davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I, XXXX XXXX, am verifying that I, XXXX XXXX am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

A Final response has been made to Equifax sent by XXXX certified mail # XXXX and delivered on XX/XX/2023 regarding a final opportunity to cure this problem whereas they have been given ( 72 ) hours to perform and has failed to meet their obligation and now all correspondences will be used as evidence in a suit for relief sought on behalf of the consumer.
Consumer complaint received 2023-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the XXXX XXXX XXXX and XXXX Account has violated my rights. 

15 U.S.C. 1681 section 602 A States I have a right of privacy 15 U.S.C. 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian continues to keep an account with incorrect information on my credit reports. After multiple dispute attempts that take 24 hrs or less to verify. I sent a 609 letter to experian asking for documentation of the account and for the account to be removed if tge documentation could not be provided in 30 days under section 609 of the fcra.
Consumer complaint received 2023-01-03
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Penn Credit Corporation (NC)

Under unfair practices, 15 U.S.C. 1692f it states that debt collectors may not Use any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer ; a debt collector may use its business name if such name does not indicate it is in the debt collection business. 

On the letter I received was a symbol for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Anyone can read my letter and see that there is an attempt to collect a debt on me and that is extremely embarrassing.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

After previously submitting a complaint, I received a response with incorrect information. I was NOT explicitly told to submit proof of income, otherwise I would have done that IMMEDIATELY after my last call. Please have someone call me ( and leave a DIRECT LINE to call back if the call goes to voicemail ), because I am tired of calling and holding for literal HOURS ( TWO last time ) to speak to somebody to be told incorrect information time and time again. 

( Also, they entered my address incorrectly on the response letter and I verified its correct online so that will likely not get to my mailbox ) My sole income is unemployment insurance benefits. That is {$450.00} a week in California for 26 weeks ( {$400.00} after taxes ). 

To resolve, simply process the form so my payments go to {$0.00}. Also, dont send out expired forms after people call and hold for 1-2 hours to speak to somebody.
Consumer complaint received 2023-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NY)

I received a collection notice from True Accord, Corp. XXXX XXXX XXXX. The amount is {$590.00}. The creditor is XXXX and XXXX. 
I called Uplift to ask what this debt is as I have no idea, they refused to tell me unless I provided personal information, birthday/ss # etc. I refused to give this info. 
In XXXX of 2021 I noticed that XXXX had been taking {$51.00} a month from my XXXX account. 
I immediately contacted XXXX and informed them of fraudulent withdrawals. XXXX stopped the withdrawals and I was refunded 3 payments. I thought this was resolved until I recently got the collection notice. 
I have been unable to get any clarification from XXXX or True Accord as to what this debt is, therefore I assume this is a fraudulent claim.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Please verify these accounts and inquiries, as they contain incorrect and unauthorized information. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (MD)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CARRINGTON MORTGAGE SERVICES, LLC (MN)

I have been trying to get the mortgage off my credit. Sent in a dispute and not getting a response. Call customer service and cant speak to anyone because they say my loan no longer exsists, so can never actually talk to someone.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  this has violated my rights and I need it removed as soon as possible . 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions..

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Westlake Services, LLC (TX)

After I filed a complaint against them with DMV complaint center XXXX XXXX is taking care of my case he is investigation officer from Texas DMV, he recommended me to file a complaint with you guys because it's a fraud case for credit bureau, please read my entire email, the dealership ( motor world licence number XXXX  XXXX ) sold me a car back in XXXX XXXX  never filed the tax, in XXXX asked me to return the car because there was some issue with the title ( they said ) and promised me to refund my money but when I got there they denied instead refund me they forcely sold me this second car, and never removed the first from my credit that effected my credit badly, and for the second car he sold me back in XX/XX/XXXX never gave me the tags till XX/XX/XXXX was keep saying they have filed the tags it's from DMV making delays, I been to DMV 2 times they said it was filed once and declined right away because the dealer put wrong info about the or no car exists with that VIN, they manager of DMV asked me to file a complaint against this dealership because it seems fraud because these dealerships sells one car twice the title they put in title loan companies to borrow money and physical car they sells to the customers which makes forever to get the tags the story was revealed by DMV, so when I filed a complaint online and XXXX XXXX start investigating and reached to the dealership he immediately agreed to refund me, once I got to the dealership at about XXXX XXXX  back on XX/XX/XXXX he started playing again XXXX XXXX is witnessed of all situation, then by XXXXXXXX XXXX his DAD came up with tags, my request is to take action against this dealership and also please help me to return the car and get my refund it's a fraud and miss use of clients credit thanks, they never removed first car from my account damaged my credit until DMV started investigating it, and credit went on repo please help thanks Sent from XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX. I have an incorrect account reporting on my credit report from the company XXXX XXXX, XXXX. I sent a validation letter to XXXX XXXX which was received by them on XX/XX/2020. As of XX/XX/2020 my alleged debt to XXXX XXXX still has not been properly validated. As of XX/XX/2020 XXXX XXXX  continues to report an incorrect /unvalidated/unverified account on my credit report. To my understanding this is against federal law. Also, to my understanding XXXX XXXX XXXX had a judgement against them vs State of Texas in XXXX County TX district court for not acquiring consumer agreements and providing them per alleged debtors request. I have requested a consumer agreement and have not been provided a copy of the agreement as of XX/XX/2020. This is against my federal rights to have incorrect unverified accounts reporting on my credit report.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a complaint regarding the initial attempt to remove fraudulent items from my credit report. Recently, I discovered fraudulent activity on my credit report, including unauthorized accounts and transactions that were opened and conducted without my knowledge or consent. These fraudulent items are severely impacting my creditworthiness and financial standing, and I took immediate action to address them by reporting the fraud to the relevant credit reporting agencies. Despite my prompt reporting of the fraudulent activity and submission of all required documentation, including police reports and affidavits, the credit reporting agencies failed to take appropriate action to remove these fraudulent items from my creditreport during the initial attempt. This failure to promptly address the fraudulent activity on my credit report has resulted in significant financial and emotional distress. I have been denied credit opportunities and have incurred additional expenses as a result of the fraudulent accounts and transactions appearing on my credit report. I request that you intervene to ensure that the credit reporting agencies fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) and promptly remove these fraudulent items from my credit report. Additionally, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$750.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$5600.00}.
Consumer complaint received 2023-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (LA)

one day I saw that I lost XXXX points on my XXXX account a debt collector Firstpoint Coll RESO trying to collect on a debt that I do not owe them nor do I have a valid written contract agreement with a wet ink signature I am a natural man, I am a living human being, under 15 U.S.C.1692g it's no validation of debt that's one of the violations also another violation is 15 U.S.C.1692e false an misleading representation breaking these laws under FDCPA as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. They took adverse action against me and reported a collection to the credit bureau Section 808 ( 1 ) of the Fair Debt Collection Practices Act and Regulation F prohibit debt collectors from charging consumers pay-to-pay fees ( also known as convenience fees ) for making payments a particular way, such as by telephone or online unless those fees are expressly authorized by the underlying agreement or are affirmatively permitted by law 15 U.S. Code 1692f - Unfair practices, a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : This false entry has caused my credit score to plummet close to XXXX XXXX I reached out to the collection agency and was advised that they would look into the duplicate payment nothing happened this caused a negative impact on my finances and life leaving me with higher interest rates and denied an extension of my credit which caused an adverse action under the law I have rights under 15 USC 1681A ( K ) 1
Consumer complaint received 2023-10-04
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (FL)

On XX/XX/, a company called Westlake Financial ( Portfolio ) repossessed my vehicle without providing me with any prior information or an order. I protested against the repossession of my vehicle as I have requested information from this company since they took over from the original lender. Westlake claimed I missed a payment after taking over my loan. Despite presenting payment information, they requested more without resolving the issue. The repo man was disgusting in his behavior even pulling off with me still physically attached to my vehicle. I must now go to the XXXX  to have myself examined due to my injured XXXX  XXXX. He called Police Officers who threatened to arrest me for a civil matter when the man responsible for repossessing my vehicle was the one who was breaching the peace. The Officer stated that if I did not get out of the vehicle, I would be making matters worse for myself. I was publicly humiliated by this company and their repo company for an issue they deliberately neglected. It seems like they acquired my previous lender and are going to any lengths to recover their investment by unlawfully repossessing as many vehicles as possible. The repo driver told me that he had confiscated several vehicles for this company this week. He said that we, as the victims, should file a class action lawsuit.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: REGIONS FINANCIAL CORPORATION (IL)

I received a XXXX credit card in the mail that I never applied for. 

It was delivered to an address I am associated with through work, but I would never use that address for any reason of my own. Additionally, the address is missing the street number. I'm not sure how it was determined to send to the correct property that my colleague would bring it to me. 

The name on the card references my maiden name but it is spelled incorrectly. The company listed under my name is a company I have never heard of before. Additionally, the word " ghost '' is listed in the company name. 

This card is a XXXX  XXXX XXXX. 

I need this card removed from my records and for my reports to not be impacted by this.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I attempted to order a XXXX XXXX XXXX XXXX  online. My order processing failed. My bank statement showed three attempts with a " PROCESSING '' status to charge my account for XXXX from Intact Idea. My account balance decreased by XXXX as I observed in XXXX XXXX with concern, dropping from XXXX to XXXX. I contacted the vendor who informed me that none of my orders were successful. 

This morning when I checked my account balance, the XXXX processing charges had disappeared, but my account balance remained at XXXX. I called Bank of America for clarification and was informed by the assistant that XXXX attempts had been made and all " REVERSAL '' status transactions had been processed. No such records appear in my account history, and my cumulative account balances have been adjusted ( down ) from the previous day 's numbers preceding the processing transactions. 

I'm in the process of self auditing my bank statements to determine how much money is actually missing from my account along with my payroll stubs. At best, what's happened here is a terrible User Experience design in the web interface of Bank of America 's account management software. Right now, I'm currently under the impression that an unknown amount of money has been stolen from me, at minimum XXXX dollars.