davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I contacted this company in regards to a Bankruptcy they are reporting on my consumer and Lexis Nexis report. This company stated that they verified the account with PACER! PACER is not a valid source of verification. I KNOW MY RIGHTS AS A CONSUMER! THIS COMPANY IS IN VIOLATION TO 15 USC 1681B AND 15 USC 1681C-2A! I HAVE NOT GIVEN THIS COMPANY ANY WRITTEN PERMISSION TO ACCESS MY PERSONAL INFORMATION! I ALSO PROVIDED PROOF TO THE COMPANY THAT THE US BANKRUPTCY VERIFIED THEY DO NOT SUPPLY ANY OF MY INFORMATION! TO THIS COMPANY OR ANY OTHER CONSUMER REPORTING AGENCY!
Consumer complaint received 2023-06-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$730.00} past due as of XX/XX/XXXX. 

PORTFOLIO RECOV ASSOC XXXX Date opened XX/XX/XXXX Account type Debt Buyer These XXXX accounts were opened with XXXX XXXXXXXX in XXXX, its well over the 7 years that it can stay on my report by law, yet this company has bought the debt and is continuing to report it as a collection. 

Please remove this from my credit report. It is continuing to hurt my credit. The 7 years has not passed. Please remove this from report immediately.
Consumer complaint received 2023-06-04
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. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made withoutmy consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XX/XX/2023 2. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/2023. 3 The inquiries was not authorized from XXXX XXXX ( 4 ) different inquiries from same company Date of Inquiries : XX/XX/2023 Please remove it from my credit report. 5. This account should not be reporting on my credit report XXXX ( account number XXXX ). Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2023-06-20
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. (CA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX
Consumer complaint received 2023-06-04
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. (FL)

Equifax is reporting a XXXX XXXX credit card account ending in XXXX on my Equifax credit report. It is not mine. The account has not had any updates since XX/XX/ 2023.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

UPON CHECKING MY CREDIT REPORT IVE NOTICE SOME UNAUTHORIZED FRAUDULENT INQUIRIES ON MY CREDIT REPORT ACCORDING TO THE ( FCRA ) THESE FRAUDULENT ITEMS MUST BE REMOVED.
Consumer complaint received 2023-06-04
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. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made withoutmy consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XX/XX/2023 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of Inquiry : XXXX/XXXX/2023. XXXX The inquiries was not authorized from XXXX XXXX ( XXXX ) different inquiries from same company Date of Inquiries : XXXX/XXXX/2023 Please remove it from my credit report. XXXX. This account should not be reporting on my credit report XXXX ( account number XXXX ). Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2023-06-12
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-01-23
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. (IL)

This is my 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX After recently obtaining a copy of my credit report I became aware that you are reporting a debt to my credit report. Under the laws of the FDCPA ( Fair Debt Collection Practices Act ), I am requesting that you validate this alleged debt below : XXXX XXXX XXXX Please provide the following information : A thorough breakdown of all alleged charges. 
Dates of alleged services rendered. 
List of services/procedures performed. 
Provide a copy of my signature from the provider showing my request to release information to you Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. I never gave permission to your ( XXXX  XXXX XXXX ) to release my medical information to ( XXXX ). 
Please send the above-requested information to my mailing address listed above.

This letter is a request for debt validation and I request full documentation containing all information you received from the service provider of this alleged debt.

Continuing to report this debt without properly validating is a violation of the FCRA ( Fair Credit Reporting Act ). You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required.
Consumer complaint received 2023-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Hello, I am a former customer of Wells Fargo Bank Mortgages and I received an email on XX/XX/2022 from CFPB regarding the class action lawsuit with Wells Fargo Bank Mortgages regarding those who were wrongfully foreclosed or illegally denied modifications. It advised that if I am eligible I do not have to take any action and the company will notify me, well they have not. I experienced these issues with them which forced me to retain legal counsel. I would like to have been a claimant in the lawsuit and receive any compensation that I am entitled. Perhaps I was overlooked. Which is unfair. How would I proceed to file a claim? please email me, XXXX XXXX
Consumer complaint received 2023-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

At the beginning of they year, my account was fixed and everything was set current. All of a sudden, I'm behind again. All my payments have been made on time. How can a place do this, they can't even figure out how to post a payment. I emailed the rep multiple times and she never responded, I tried on the phone multiple times and couldn't get anyone to help. Customer service is non-existent at Pennymac, how they're allowed to service loans is a travesty.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: The CBE Group, Inc. (FL)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15U.S. Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-05
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 — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC. (GA)

I am a victim of identity theft and have a police report as well as an ftc report to support my claims. I have requested XXXX to delete and block a Santander Consumer account as someone had used my information to get a used car. My complaint is towards XXXX credit report agency as they refuse to remove it despite my proof of being a victim of identity theft
Consumer complaint received 2023-06-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mid-South Adjustment Co., Inc. (AR)

I was issued a writ of garnishment of XXXX the XXXX of XXXX but my job contact me frist about it on the XXXX I contact the debt collector an ask for a validation of debt and why was this my frist time of hearing about this the agent said that I was contacted in XXXX about this debt but I dont recall the conversation are being served paperwork for said debt but in the agent records indicate that I had know about it and I requested information about debt to prove it was my debt the agent begin to be aggressive with me an refuse to provide anymore information and told me that they work for XXXX the local hospital in that town and have write them two letters of debt validation and sent the court a appeal letter and have not heard from no one and its by on the 30 day since I requested the information and according to the agent all so the debt was for a medical bill from XXXX and and that claim that sued me XXXX But didn't not inform me that the debt was pass stature of limitation and the garnishment was filled on XX/XX/XXXX but was not sent out to me XXXX XXXX XXXX of XXXX
Consumer complaint received 2023-05-06
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. (NC)

I'm submitting this complaint to notify the credit bureau AGAIN that I was a victim of identity theft. It appears that the credit agency is unconcerned by my desire to challenge unlawful things on my credit record. Because this is a clear breach of FCRA laws, I require that the items be removed from my file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

I have always had issues with over drafting fees.Cant give dates because it goes back to far back and got tired of arguing with over and and over many times. But feels it unfair and insufficient fees are outrageous especially when charging more than once.
Consumer complaint received 2023-06-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (OR)

During XXXX ( XXXX  ), I had gotten a payment deferred. On my 2nd to last payment, I had a payment returned due to my bank having a fraud alert. I immediately paid the amount again, which was then XXXX days late. I got a XXXX day late remark on my credit report that they refuse to remove, saying it was XXXX days late. After checking my payment schedule and history and talking with a representative, it looks like the deferment was not applied correctly. They were going to remove the remark, but they continue to report it and claim it is accurate when disputing it with the credit reporting agency. The accuracy is also wrong, with multiple credit reports showing different months it was 'late ' as well as the loan being paid after it was paid off. This was the only 'late ' remark on any of my XXXX loans, as they are always paid on time, which makes me certain this was an error on their side. I was in communication with them throughout the XXXX issue, and was reassured that the deferment was in place with the additional payment moved to the end of the loan.
Consumer complaint received 2023-06-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (FL)

On the XXXX day of XX/XX/XXXX, I went to XXXX XXXX XXXX to purchase a vehicle. The vehicle I bought was a XXXX XXXX XXXX XXXX listed at {$14000.00}, I was advised that a down payment of {$2000.00} was required to obtain my car. I was also coerced into believing that I had to be fully insured before I could leave with my car ( 15 US Code 1605 c ). I was not given my right to rescind ( XXXX2 CFR 1026.23 ), nor was any document in my contract explained in full detail without prejudice. Many fraudulent acts are indicated throughout my contract with XXXX XXXX XXXX. First, being indicated on my retail installment sale contract XXXX XXXX XXXX is my creditor, but I am making payments to Exeter Finance of {$430.00} a month. The payments I am making on my car should be going directly to XXXXXXXX XXXX XXXX, which they are not, so my identity was heisted to be sent to the 3rd party- Exeter Finance , to open a loan for {$17000.00} in my name ( 15 US code 1605 a ). My retail purchase agreement has many discrepancies compared to my retail installment sale contract. To give insight into the differences, the model of my car is incorrect, the odometer isn't the same and the charged amounts are different.
Consumer complaint received 2017-09-20
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Penn Credit Corporation (PA)

Penn Credit Corp contacted me at my employer a few weeks back. This was after repeated phone calls on my cell phone previously. I told them they ca n't contact me at this number, as it 's a business line. My employer does n't allow phone calls not related to the business. On the XXXX/XXXX/XXXX they once again called me at my work. I once again informed them they ca n't use that number to contact because it 's not allowed and had to end the call before I got caught. Tonight, XXXX/XXXX/XXXX they once again called me at my employer around XXXX and I explained for a third time they ca n't call me at this number and how it 's not allowed. The woman tried telling me nobody contacted me before and nobody was told they ca n't use this number. I checked my XXXX XXXX report and they reported they had contact with me and lied saying resolved and that I disagree when we were never discussed anything besides the line they were calling me on is forbidden.
Consumer complaint received 2023-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

This pertains to a now short sale on a property mortgaged by Wells Fargo ( WF ) from XXXX to XXXX and went through short sale around XXXX after I was in personal bankruptcy dishcharged in XXXX after the death of a co-borrower. 

I wanted to keep the property via a mortgage modification and WF requested income and bank statements to go through HAMP. Every 2 or 3 months WF requested updated documents for HAMP but never offered me a modification until after 1 year had passed.

I now understand they were prolonging this process for over 12 months so what was a condo in bankruptcy became a separate event. WF then said if I made 3 payments of around {$1600.00} they would consider modifying the loan but never offered a modification.

I did not make those payments and then agreed to sale the property which further affected my credit beyond the bankruptcy which now included a short sale.

WF seemingly had no intention to process me through HAMP but rather wanted a short sale if the property.
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have recently reviewed a copy of my credit report. I am concerned because there was an inquirys by companys that I do NOT recall authorizing. 
It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. I have told transunion in they did not help me at all CC : Federal Trade Commission, Office of the Attorney General, Consumer Alliance for Fair Credit Reporting, Department of Banking and Finance, Office of Thrift Supervision, Better Business
Consumer complaint received 2023-06-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (MD)

I was behind on my mortgage payment, and I was approved for a grant to cover my payment. I receive my statement for XXXX with the full amount I was behind. The balance between my payment, and the grant will leave my XXXX payment to be {$280.00}, I am being told there was a shortage in my escrow, so I will have to pay the full amount of {$550.00}. The payment for the shortage is included in the behind payment, so the grant cover the shortage. Plus, there was an additional charge of {$2300.00} I didn't find out about until I saw my XXXX statement. It was called Recoverable Corporate Advance. I was told by my mortgage company this was money they advance me to pay there attorney fees. I didn't sign any paperwork. I didn't know anything about this. I wouldn't agree to this. This amount is almost as much that I owe. I was in a hardship, and we were in a pandemic. They should have been working with there customer, and waived this fee.