davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
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)

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed {$310.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$850.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXXXXXX XXXX XXXX : {$1900.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXXXXXX Balance Owed : {$850.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$420.00} 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 2017-05-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

XXXX   XXXX   XXXX  illegally raised my ren t (  California require s 30-days notice for any rent increase. I recieved 0-days notice ) I e mailed them and they agreed not to charge me the rent increase so long as I moved within 30 days. At the end of the month they sent the increase in rent to collections instead.      XXXX
Consumer complaint received 2022-10-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

hello, to whom it may concern, this is an urgent matter regarding the my mortgage lender PENNYMAC lying about my loan modification request. 
At the beginning of XXXX PENNY MAC confirmed my mortgage was under review for a loan modification and now i found out they went behind my back and sold the property thru a foreclosure sale date with zero notice to my family. 

please help since PENNYMAC keeps lying about the status of my home, last conversation with PENNYMAC they told me they were going to review my application for a loan modification. 
which i knew they were lying. 

As of today received a call from a the lenders lawyer telling me i need to get out of the house immediately otherwise they will be calling the sheriff since the property was sold with no notice. 
please help me since i have a family and we have no where to go. PENNYMAC lied and tookd advantage having no where to go.
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CO)

Date of transaction:XXXX The amount of money that I paid : {$1100.00} The company is Visible. 
The company sent the device and they did not arrive. They just said that they delivered the device without my signature. I contacted with the visible company and they asked me to uploaded the police report and I have uploaded the report and they denied to refund with no reason. They even deleted my account with no reason. I tried to talk to them and they did not seem to want to solve this problem and just cheat themoney!! I was so angry with this kind of company! I tried to claim on XXXX  and XXXX told me that visible has already claimed from them. So visible claimed the lost iphone from XXXX  and they did not refund me? What are they doing??? And also discover told me that they received a tracking number showing full proof of delivery to the shipping address, this shows the merchant has fulfilled their obligation to get the product to you. They did not consider the police report and other document. I was so angry about what they are doing!! They asked me to upload the document but did not consider at all.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX
Consumer complaint received 2017-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Last week I was contacted by a debt collection agency by the name of  XXXX   XXXX   XXXX ,  XXXX  and told that they had a debt of {$150.00} that I owed Fifth Third Bank. I asked for proof of the debt and they sent me an email that was their own statement. I have asked for proof that I ow ed Fifth Third Bank anything and they told me that the email was all they had. I have been called upwards of 20 times in a day various number in an attempt to annoy me. I have asked them to send me proof and they still have not. Today I told them to stop calling me and hung up. The company called right back and said they would take other actions to get the debt. If Fifth Third contacts me with proof of the debt then I will pay the debt.
Consumer complaint received 2023-11-01
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. (CA)

I reviewed my credit report earlier this year and found fraudulent accounts opened under my name that I had no knowledge of. I have mailed in the documents requested from me and have not seen the corrections that need to be made on my credit report. I spoke with many customer service representatives and requested to make disputes on the phone. After an investigation, they still do nothing to correct the mistakes. I even asked for validation of the debt although they claim to have verified the debt is mine but have never sent me a consumer contract as proof. According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, it is required to provide the original consumer contract! The following accounts were not opened by me and need to be corrected and deleted : XXXX XXXX - XXXX XXXX  XXXX XXXX, XXXX {$2700.00} XXXX XXXX XXXX XXXX, XXXX {$3900.00} XXXXXXXX XXXX XXXX XXXX, XXXX {$27000.00} XXXX XXXX XXXX, XXXX {$7500.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$2100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$15000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$33000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00}
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2021-01-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlanticus Services Corporation (PA)

Pursuant to 1692b ( 5 ) and 1692f ( 8 ) Aspire sent me a statement with their symbol on the envelope and inside the content. The content in the letter did not state that it was an attempt to collect a debt.
Consumer complaint received 2022-04-20
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. (TX)

In accordance with the Fair Credit Reporting, Everything has to be 100 % accurate on my report.

The credit bureaus stated these account : XXXX  XXXX, was properly investigated but how is that possible if a charge off has late payments its a closed account, the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well in all three bureaus. 
This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-01
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. (SC)

whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( Account in Collection/Charge off please delete ) Account Name : XXXXXXXX XXXX Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Account Name : XXXX  Account : XXXX PAST DUE BALANCE : {$1100.00} ( Account in Collection/Charge off please delete ) This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc. (NY)

Hello, My name is XXXX XXXX and I am inquiring about a dispute that I recently put in in regards to a fee that I am being wrongly charged for. This fee is for {$940.00} and I refuse to pay this because I believe this is wrongly charged on my behalf. During the spring semester of 2020, I attended XXXX  at XXXX for about 2-3 weeks at MOST ( nowhere near an entire semester or year ) where I experienced XXXX, lack of motivation, and an overall decline in my feeling of sense of belonging on campus. I simply wanted to change my major because I realized I was in the wrong Master 's program, XXXX, and I was given such a hard time from several staff and faculty whom I reached out to in regards to my situation. I had to retell my story over and over which made me relive a discouraging time and also lose motivation as time was ticking through the semester with little to no progress on my request. 

Consequently, I decided to resign from my position as a student. When I inquired about the process of a leave of absence, I also received poor support and was not pointed in the direction of how to do this in a clear and concise way. After all of this, I realized that it would've been easier to just to pursue my career around what was and is my passion, working with youth to inspire them to be a better version of themselves than to wait after WEEKS had gone by with no progress on SWITCHING MY MAJOR. I was very frustrated with this because I have never " dropped out '' or quit on anything that I have started in my life, but I felt that it was the best decision for my mental health, career, family, and overall well-being. 

Shortly after, all schools were closed for XXXX which we know was an extremely disheartening time for many, but this showed me again that school on the XXXX 's level maybe just wasn't for me at this time. To fast forward and see now, that this school is charging me for any sort of fees is outrageous to me. I can see the business side of things, however, this is so unethical in my opinion, for me to pay for a service that not only did I not use, but for most importantly, one that did not serve me or satisfy and cover areas that it claimed it would. 

I am asking with the upmost respect and humility that this charge please be removed from all accounts related to my name. I have submitted two disputes and am now submitting this complaint to show how passionate and frustrated I am about this but also because I believe you all are able to help me with this. I do not want this to hinder or hurt my credit score or my ability to advance in my life, especially when I really did not benefit at all from any of these services.
Consumer complaint received 2022-11-01
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. (MI)

I have requested the accuracy on the following account because it is aged past 7 years and it is not supposed to be reporting on my credit report. I consulted with a lawyer because I have been fighting this some time now, They told me that this falls under the following section inside of the FCRA. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. I have asked this company not to report this because it is outdated past 7 years. I have even told XXXX, Experian, and XXXX to look at it because it is outdated. It is also reporting incorrectly across all 3 bureaus. Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. The account type details is different, the reporting balances are different, the date of last payment and date of last activity is different and and both have not been touched since XXXX.
Consumer complaint received 2022-11-01
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. (MA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information.Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please repair the accounts below otherwise remove them from my file : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (GA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-11-01
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. (GA)

There's information that's on my consumer report that is a result of identity theft and fraud. I did not provide permission to anyone to TRAFFIC my personal identifying information that is being reported on my consumer report. Also I have the right of privacy as a consumer. And my privacy rights has been violated.
Consumer complaint received 2022-10-31
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: Resurgent Capital Services L.P. (NJ)

LVNV Funding LLC XXXX On XXXX XXXX. I contacted XXXX XXXX after noticing that LVNV FUNDING, LLC ( C/O RESURGENT CAPITAL SERVICE ) listed as derogatory mark on my XXXX and XXXX credit report .I disputed the alleged debt with XXXX XXXX and the response was ( the account information disputed by consumer, meets FCRA requirements ) nothing else. I received no evidence to validate that debt. LVNV FUNDING, LLC FAILED to produce any evidence required to validate the alleged debt within the thirty ( 30 ) day time frame in accordance with 15 U.S.C. Sec. 1681i ( a ). I have NEVER received ANY service or product from LVNV FUNDING, LLC and I have NEVER had a Contract or an agreement to pay LVNV FUNDING, LLC at ANY time. LVNV FUNDING, LLC is GUILTY of Unfair Deceptive Business Practices and I am hereby requesting that the CFPB aid in correcting this matter. 

LVNV FUNDING, LLC didn't provide me the legally required validation of debt listed below : 1.Complete payment history, including but not limited to, verification by line item ( with an explanation of each item ) for the entire amount, dates of execution, as well as last date of activity. 3.Proof that LVNV FUNDING, LLC owns this debt or the contract giving you power to collect 4.Proof that this debt has not been written off as a tax liability 5.In addition, I've recently learned that you're required to send me notification of this or any debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT. And if you think you did, then you must also send me proof that you did. I am demanding all of the following resolution in regards to my complaints -Deletion from all consumer reports. Remove all remarks or comments off my consumer report Cease and rescind any and all use of my information and my signature
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (CA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following o XXXX XXXX XXXX XXXX CA XXXX o XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX o XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX o XXXX FCU XXXX Balance : {$580.00} o XXXX XXXX Balance : {$100.00} o XXXX FCU XXXX Balance XXXX {$4500.00}