davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C. (CA)

My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, and the agent for XXXX XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. XXXX XXXX and XXXX XXXX are attorneys at Gurstel Law Firm PC. XXXX XXXX and XXXX XXXX have taken it upon themselves to willfully violate my consumer rights that fall under the fair debt collection practices act. I am aware that it is FALSE AND MISLEADING for any attorney to attempt to collect any alleged debt, making this a violation under the fair debt collection practices act for any attorney to attempt to collect any debt. XXXX XXXX and XXXX XXXX have been aggressively attempting to collect from XXXX XXXX. XXXX XXXX and XXXX XXXX were sent a cease and desist letter, requesting they stop harassing and and mailing threaten letters to XXXX XXXX. The cease and desist was sent and received by XXXX XXXX and XXXX XXXX through the Consumer Financial Protection Bureau on XX/XX/2023 file number XXXX. Since then XXXX XXXX and XXXX XXXX has continued to willfully disregard the cease and desist letter. On XX/XX/2023 XXXX XXXX and XXXX XXXX mailed yet another false and misleading document to XXXX XXXX, pertaining to case number XXXX. XXXX XXXX and XXXX XXXX are now attempting to request a entry of default and a clerks judgement. These actions are false and misleading again for an attorney to commit when attempting to collect an alleged debt. Because dating back to XX/XX/2023 XXXX XXXX attempted to sue XXXX XXXX. A response was sent back to XXXX XXXX through the court denying all allegations and asking the plaintiff to prove the allegations in court. No response was given and no court date were given or missed. So for XXXX XXXX and XXXX XXXX to attempt to request a entry for default with no proof of any signs of court dates missed is again false and misleading actions from an attorney. XXXX XXXX has not caused any damages and if so, XXXX needs to be shown in a court of law.
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (NJ)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$4400.00}.
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX were reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The inaccurate personal information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureaus. The reality that these information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information 's listed below as a result. 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 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureau 's have stated stated my account has been accurately And properly investigated but how could that be possible double if the open updates Are inaccurate, High balance is inaccurate, Date of last activity is inaccurate, the closed date Is inaccurate, the 2 year payment history and Days late are in accurate.The accounts are as followed. XXXX 1.High Balance inaccurate.2 Date of last Activity.3. Date Opened. 4.Date Closed. 5.Two- Year payment history. 6. Days late. Account 2 is Ray And Flan. 7.High Balance 8. Last Verified.9. Date of Last Activity. 10.Date Reported.11. Closed date.12. Two year Payment history. 13. Days late. Account 3 XXXX, XXXX. 14. High Balance.15Last Verified.16.Date of Last Activity.17.Date Reported. 18. Date opened. 19.Closed Date. 20.Two year payment history. 21.Days late. Account 4 XXXX XXXX. 22. High Balance.23.Date of Last Activity. 24. Date opened.25. Closed Date. 26.Two Year Paent History. 27. Days Late. Account 5 XXXX XXXX. 28. High Balance.29.Last verified.30.Date Opened.31.Closed Date.32. Two Year Payment History.33.Days late. Account 6 XXXX. 34.High Balance.35.Last Verified.35. Date of Last Activity.36. Date Opened.37.Closed Date. 38. Two year payment History. 39. Days late. Account 7 UPSTART XXXX.40.High balance.41.Last Verified.42.Date of Last Activity.43. Date Reported.44.Date Opened.45. Closed Date.47. Two Year Payment History.48.Days Late. Account 8 XXXX XXXX.49.High Balance.49.Last Verified.50. Date Reported.51.Date Openeded.52.Balance Owed.53. Closed Date.54.Account Status. Account 9 XXXX XXXX.55.Last Verified. 56. Date of Last Activity. 57. Date Opened. On XXXX XXXX, XXXX XXXX as well as XXXX XXXX. No one responds or sends a new report with updated information. Also have asked to update my personal information with only my current address of XXXX XXXX XXXX XXXX Nj XXXX. And nothing. 
15 U.S.C 1681 Section 602 ( A ) States I have the right to privacy.

15 U.S.C 1681 Section 602 ( A ) Also States a consumer Reporting Agency can not furnnish an account without my written instructions How could all of this inaccurate information possibly meet XXXX standards. Those inaccurate accounts were only for experian. Transunion Also is reporting inaccuracte information just the same with just about 100 inaccurate items. XXXX is unable to find any of my information. Please help me here my life is really hitting speed bumps and setting me back big time and this is highly unfair. And i believe the credit bureau 's were not.resolving anything due to these letters coming from a repair company and not me personally. So trying to take matters in my own hands and reach out for help.
Consumer complaint received 2023-02-26
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

XX/XX/XXXX - requested and entered into forbearance, lasting from XX/XX/XXXX to XX/XX/XXXX. 

XX/XX/XXXX - applied for funding from NCHAF ( COVID-19 relief ) to take care of past due payments, fee 's, etc., that were missed during the forbearance period. 

XX/XX/XXXX - forbearance period ended. 

XX/XX/XXXX - finally contacted Servicer by phone regarding balance discrepancy on all three credit reporting agencies ( XXXX, XXXX XXXX XXXX ). Servicer confirmed the balance of {$340000.00}. XXXX as it reveals on their website, but conflicts with the balance on the three credit reports. Spoke and requested letter from Servicer Supervisor XXXX, said he will email it and send a copy to my home address, but he never followed through. 

XX/XX/XXXX - generated and sent out a " Notice of Error '' correspondence, along with supporting documents to the Servicer expressing my phone call placed on XX/XX/XXXX with XXXX XXXX. I stated the issue at hand ( discrepancy with the reported balance on all three credit bureaus ) are in contrast with what's on their online platform. 

XX/XX/XXXX - I received an " Acknowledgment '' email @ XXXX XXXX  from the Servicer. PDF attached : letter informing me that they received my written request. 

XX/XX/XXXX - I received an envelope in the mail, date stamped XX/XX/XXXX, with a letter dated XX/XX/XXXX from the Servicer, stating that they're responding to my correspondence received on XX/XX/XXXX. I didn't send in a correspondence on XX/XX/XXXX. As mentioned in my XX/XX/XXXX correspondence that I sent out FIrst Class Mail, I called them. Due to their lack of communication and integrity, it was then that I decided to reach out to them in writing, with a 10 day response and solution to the problem. I've contacted Pennymac several times by phone regarding this matter and they continue to go around the issue at hand. The correspondence sent by the Servicer only include a " Verification of Mortgage '' document regarding my account. As for the solution of correcting the balance that's being reported to the three credit bureaus, they totally ignored the intention of the " Notice of Error '' that was sent to them. Not once did they mention anything regarding the error in their letter, instead a " Verification of Mortgage? document was suffice for the correction that needed to be made. 

Pennymac refuses to do the right thing. The only way that you can contact them is by phone or in writing. Their customer service over the phone is far from professionalism. Uploading documents through their message center is the worst. They have no way of tracking what you send them, but they heavily utilize the email platform to contact their customers. I've included supporting documents to hopefully remedy the situation. I'm being treated unethically and discriminated against, causing me great anxiety. This situation went from trying to get assistance during these unprecedented times to a full-blown nightmare. Please refer to the attached. Thank you!!
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609  ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX, XXXX XXXX
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609  ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX LEND Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  COLL Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX/RBT Date of inquiry : XX/XX/XXXX ; XXXX  CRE Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX : XX/XX/XXXX ; XXXX  FINANCIAL Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX  LENDING SERVICE Date of inquiry : XX/XX/XXXX ; XXXX  FINANCIAL Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX FINANCE/XXXX Date of inquiry : XX/XX/XXXX ; XXXX CREDIT  XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-04-13
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$210.00} Original Creditor : XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX  XXXX XXXX XXXX : {$490.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
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. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 following items of information 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 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

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
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In according with the fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX XXXX  ), has violated my rights. 

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 furbish an account without my written instructions.
Consumer complaint received 2018-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NJ)

I started to receive notices in the mail for a charge off credit account from Synchrony XXXX or Synchrony Guitar Center. I have never had a credit card account from Synchrony this account is fraudulent and needs to be removed from my credit report and the collection agency needs to remove their account from all three credit bureaureports. I have attached my FTC Affidavit
Consumer complaint received 2022-10-19
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. (TX)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!