davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (NJ)

I XXXX XXXX XXXXXXXX XXXX., was looking earn some extra cash and a company name XXXX XXXX XXXX. So, for me to advertise there logo there willing to pay for both of my vehicles .They sent me check, I waited 3to 4 days to clear at PnC bank in XXXX XXXXXXXX XXXX nj.i spent some monies by second was told check had no funding. So I called the XXXXXXXX XXXX XXXX XXXX XXXX., and was told that no one ever contacted them.if they would 've been contacted, they would 've know the check was fraudulent check and this would not had happen. An P.n.c. bank is charging me for the entire check.why I 'm I responsible when it 's there job to clear the check.i do n't work at the bank.thanks in advance for prompt assistance in this situation. Sincerely XXXX XXXX.
Consumer complaint received 2023-01-10
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. (KY)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. 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. I need these to be removed from my file right away : 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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: A-L FINANCIAL CORP (CA)

According to the IRS an unpaid charge off is income and according to the FCRA Income can not be reported on a credit report, I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. A - L FINANCIAL CORP # XXXX. After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX. this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form.
Consumer complaint received 2023-01-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (CA)

There is an adverse information being reported to my consumer report by sunrise credit services Inc. this adverse information is causing the financial harm as well as physical harm do to the fact I suffer from XXXX which is brought on by XXXX. I have attempted to contact sunrise credit services verbally and asked that they remove the erroneous data from my consumer report. I have drafted an affidavit of truth and create an invoice and label several US code in fractions That have been violated and sent it via certified US mail.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Mr. Cooper Group Inc. (NY)

I have previously tried to obtain XXXX types of information from Mr. Cooper Mortgage servicer. First I want to state that I did not solicit business with Mr , Cooper. My mortgage was transferred to that company in XX/XX/2023. I am not in the arrears regarding payment. 
The first type if information I requested was. How much interest would be deducted if I fully paid of my mortgage in full?. Instead of providing that information, I received XXXX different answers at XXXX different times. The first answer was that they would PROBABLY deduct the interest but were unable to say how much. The second answer was that I had to pay them the full remaining balance and theywould then send me a check for any difference they deemed I was due However they refused to specify how much money would be returned to me The second type of information I attempted to receive from Mr. Cooper was regarding a recast of my mortgage. In order to recast a loan, Mr Cooper requires a nonrefundable {$250.00} application fee to be paid by money order or certified check. It also requires a minimum payment of {$100000.00}. I sent them a money order for {$250.00} with an indication that I would provide a future payment of {$14000.00} in order to reduce monthly mortgage payments. These new payments constitute and agreement between me and Mr. Cooper. Yet Mr. Cooper refused to provide any documentation regarding the new terms of the mortgage payments until after I sent them {$14000.00}. The initial application provide no terms. It only asks for your intended lump sum payment and a request for {$250.00}. I asked for further documentation on more than XXXX occasion. I explained that I was not comfortable sending them {$14000.00} without seeing the written terms of any new agreement. Nor was I comfortable with sending them the full pay off price with out knowing how much interest would be reduced. I have stopped payment on the {$250.00} money order because Mr Cooper provided no documents or service for the fee they charged The CARES ACT states that mortgage servicers are required to provide clear, accurate non contradictory answers to clients. My own experience as well reading the experience of others has shown that Mr Cooper has a consistent pattern of either providing no information or providing contradictory information I do not have any documentation regarding the payoff price and deducted interest but attached to this compliant is a chat transcript between myself and Mr Cooper and my request for documentation regarding the recast
Consumer complaint received 2023-05-19
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: EQUIFAX, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2019-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (GA)

I received a letter from Allied International Credit Corp dated XX/XX/2019 (or some one purporting to be them) demanding $XXXX  as payment for a debt that had been turned over to them from XXXX  for collection.  Contact with XXXX  confirmed that no such debt existed.  I did an internet search of this company that revealed that this was a common scam attributed to this company, and that calls to the company did not result in resolution of this matter and, in fact, often resulted in multiple phone calls from the company of a harassing nature.  I did not contact the company based upon the information about their failure to resolve matters in an fair manner and to avoid harassment by them.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the XXXX major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,
Consumer complaint received 2023-02-23
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. (FL)

In Accordance with the Fair Credit Reporting Act the following information has violated my rights. 

All of the account information that needs to be deleted/Corrected is listed below! 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose ALL OF THE INFORMATION BELOW NEED TO BE DELETED/ Updated to on time payments ; Especially these derogatory late payments I am filing a complaint I need all of this information DELETED! 


PERSONAL STATEMENTS : DELETE THIS TOO! 
XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX Total balance : {$680.00} XXXX XXXX XXXX  Original creditor XXXX Acct # XXXX Balance {$680.00} Balance updated XX/XX/XXXX 6 Late payment accounts Total balance : {$81000.00} Student loans Total balance : {$81000.00} DEPT OF ED/XXXXXXXX LATE PAYMENT Acct # XXXX Balance {$2400.00} Balance updated Original bal {$2200.00} XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$3300.00} Balance updated Original bal {$3000.00} XX/XX/XXXX DEPT OF ED/XXXX   LATE PAYMENT Acct # XXXX Balance {$67000.00} Balance updated Original bal {$49000.00} XX/XX/XXXX DEPT OF ED/XXXX  LATE PAYMENT Acct # XXXX Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX  LATE PAYMENT Acct # XXXX Balance {$3700.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX Balance Acct # XXXX {$1500.00} Balance updated XX/XX/XXXX U S DEPT OF ED/GSL/ATL POTENTIALLY NEGATIVE Acct # XXXX Balance {$830.00} Balance updated XX/XX/XXXX 2022
Consumer complaint received 2023-01-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (OH)

I am receiving calls regarding collection of a debt several times per day. I have received exactly thirty ( 30 ) phone calls from the collection agency between XX/XX/XXXX XXXX XXXXXX/XX/23. According to the FDCPA, debt collectors can not call more than 7 times in a XXXX period about any particular debt. The number I am receiving these calls from is : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

My husband and I sold our house through a short sale. The date of closing was  XXXX / XXXX / XXXX . However,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  is reporting the closing as  XXXX / XXXX / XXXX . This is impacting our ability and rate of a new home loan. I attempted to contact   XXXX   and they gave me the run around and told me that I had to dispute the information with the credit bureaus and that I needed to call the title company as they would know why there is a year discrepancy. This is ridiculous.  XXXX  is the one who agreed to the settlement. I have the settlement letter dated  XXXX / XXXX / XXXX . Additionally, it states right on the  Settlement Statement that the  date  of Settlement  is  XXXX / XXXX / XXXX . I am requesting from the   XXXX   a signed letter stating that our closing/ settlement date was  XXXX / XXXX / XXXX  and not  XXXX / XXXX / XXXX . Additionally, I expect them to immediately correct this information with the credit bureaus as it is negatively impacting both my own and my husband 's credit score. Thank you!
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (AL)

I am writing to bring to your attention an urgent matter regarding a debt that has been erroneously associated with my name. I recently received a copy of the contract from XXXX, and upon review, I discovered significant inaccuracies. 

Firstly, the address listed on the contract is incorrect, and I want to emphasize that I have never resided at that address. Additionally, I noticed that the name stated on the contract is not mine, further confirming that this debt does not belong to me. 

To support my claim, I have attached copies of my driver 's license and utility bill, clearly indicating my correct name and residential address. These documents serve as irrefutable evidence that I am not the individual associated with this debt. 

In light of these factual discrepancies, I kindly request that you conduct a thorough investigation into this matter and take immediate action to rectify the situation. It is imperative that this debt is promptly removed from my credit report, as it is unjustifiably tarnishing my credit history. 

I understand the significance of maintaining accurate credit information, and I trust that you will handle this matter with the utmost urgency and professionalism. I kindly request to receive written confirmation of the debt removal and an updated credit report reflecting the necessary corrections. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely,
Consumer complaint received 2019-02-06
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 XXXX XXXX legal ownership of said account You state you validated this account Well if I paid this account I own this account right, I have not received any documentation or notice from you for validation { law 's the law } you are falsly reporting this account REMOVE IT example XXXX owns contract sale said contract to consumer for full payment that gives the consumer now the furnisher the all legal rights. CFPB is this not correct you have violated my rights damaged my credit cost myself a lot of loss of income
Consumer complaint received 2023-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (RI)

I have collections in my name on my credit report, that 4 of them had health insurance at that time and the place where I attended did not get to communicate with my insurance, time passed and the insurance was no longer able to pay the bills because their estimated time to send the request to do so passed and they never contacted my health insurance again. and number 5, the amount is {$640.00}. I have proof from my medical insurance that the bill was paid at the time.
Consumer complaint received 2023-06-06
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)

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. 

XXXX 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 furnish an 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 2023-02-22
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)

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 2023-01-23
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. (FL)

There are many account inquiries on my credit report that I do not recognize. 

XX/XX/XXXX - XXXX XX/XX/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 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I sent Certified letters to  XXXX  and Equifax on   XXXX   XXXX   XXXX   ( I have the receipts ) requesting that they correct  XXXX   XXXX  Loans that were included in my Chapter  XXXX  BK  discharged  on  XX/XX/XXXX . I also sent a fax to Equifax on  XX/XX/XXXX  requesting the correction. They are showing these  XXXX  accounts as delinquent and my credit score has dropped over  XXXX  points. These were private loans ( not student loans ) and co-signer is now responsible. I also sent the bureaus the letters from  XXXX  dated  XX/XX/XXXX  confirming that I am no longer responsible for these  XXXX  accounts.
Consumer complaint received 2024-04-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TN)

I received a debt collection notice from Rent Recovery Solutions ( RRS ) claiming I owe {$1000.00} to DEPOSIT IQ. I have never rented through this company and believe this is an attempt to collect on a fraudulent debt. The letter included a settlement offer of {$900.00}, with a deadline that has already passed. 

Actions Taken : I have not responded to RRS or attempted to pay the alleged debt. 
I suspect this may be a scam and want to protect myself from further harassment or potential credit damage. 
Request : I would like the FTC to investigate Rent Recovery Solutions and their practices regarding this potentially fraudulent debt collection attempt.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (CA)

I had problem with citibank. About 6 years ago, I deposited check that I got from my friend 's parent that my friend owed me. Parents were staying in  XXXX   XXXX  and they were confused between check they had and accidentally gave me check from closed. Also, About three years ago, I got suspicuous check so I personally went to the bank and asked if the check is okay, and they confirmed so I deposited the check. Due to that transaction, citibank closed my account and ever since than, they are not allowing me to open checking account with them. Very bad customer relations
Consumer complaint received 2023-01-09
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. (IL)

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 XXXX XXXXXXXX Account name : XXXX XXXXXXXX # XXXX Account name XXXX 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 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.