davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Subject : Immediate Deletion of Inaccurate Account Information Within 30 Days : I am writing to demand the immediate deletion of inaccurate account information from my credit reports held by TransUnion and XXXX. The account associated with XXXX is currently being inaccurately reported, as outlined below : 1. The account numbers provided on my TransUnion ( XXXX ) and XXXX ( XXXX ) reports do not correspond to the original loan documents ( XXXX ) I possess. 
2. The reported balance of {$630.00} on both my TransUnion and XXXX credit reports is blatantly incorrect and does not align with my payment history or the actual purchase amount of {$450.00}. 
3. The inaccuracies in my credit reports are compounded by the fact that my last payment of {$140.00} made on XXXX XX/XX/2024, was never deducted from my original balance of {$450.00}. This discrepancy further highlights the inaccuracies in the reported balance and payment history associated with the XXXX account . 
Despite previous disputes with TransUnion, XXXX, and XXXX , the inaccuracies in this account were negligently verified without proper investigation. This negligence in verifying the inaccuracies is grounds for immediate deletion of the erroneous information in accordance with law. Their negligence in conducting a thorough and lawful investigation further exacerbates the violations of my rights. 
The inaccurate reporting of this information is a clear violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. The discrepancies in the reported account numbers, balance, and payment history not only violate my rights under the Fair Credit Reporting Act ( FCRA ) but also raise concerns regarding compliance with Truth in Lending Act ( TILA ) regulations. 
I demand immediate action to rectify this situation. The reporting inaccuracies directly contravene the following FCRA and TILA provisions : - Section 611 of the FCRA, mandating consumer reporting agencies to furnish accurate and complete information. 
- Section 623 of the FCRA, specifying the procedures for disputing and correcting inaccurate information with consumer reporting agencies. 
- Failure to provide accurate and complete account information as required by TILA regulations. 
- Misreporting of account numbers, balances, and payment history, which directly contravenes TILA 's provisions for accurate disclosure of loan terms and transactions. 
- Negligence in properly documenting and reflecting payment history, leading to incorrect reporting of outstanding balances. 
- Failure to ensure the accuracy and integrity of credit reporting information, a fundamental requirement under TILA to protect consumers ' rights and financial well-being.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

As a consumer and natural person am a victim of identity theft. XXXX, Equifax, XXXX have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Equifax, and XXXX has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! XXXX, Equifax, and XXXX are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.
Consumer complaint received 2023-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

XXXX XXXX  has been fined for identity theft fictitious loans schemes against victims of identity theft fraud financial crimes. 

The XXXX XXXX  has used the government offices, government resources and government employees to aid fictitious loans schemes against properties withholding information from CFPB ORDERS AND REMAINING IN CONTEMPT OF CIVIL PENALTY RELIEF FUNDS TO VERIFIED VICTIMS. 

XXXX XXXX  are using subsidiaries : Rushmore Loans CA XXXX XXXX XXXX TX AZ XXXX XXXX  XXXX XXXX XXXX TX plus XXXX and XXXX XXXX XXXX  OF XXXX FLORIDA The parties hired by XXXX XXXX  ignore consent decrees of civil penalty relief, they threaten me, and conceal evidence of fictitious loans, victim of identity theft, title theft crimes and financial crimes to unlawfully seize my property. 

The parties use government resources and ignore regulations of CFPB AND ACT LIKE AGGRESSIVE DEBT COLLECTORS FOR PROFIT AND TO REMAIN IN CONTEMPT OF CONSENT ORDERS FILED BY CFPB XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX minutes ago ) to me, XXXX XXXX afternoon, I am coordinating the hearing for the Motion for Summary Final Judgment, please review the below hearing dates. 

XX/XX/XXXX ( Monday ) XXXX XXXX  XXXX min XXXX XX/XX/XXXX ( Tuesday ) XXXX XXXX XXXX min XXXX XX/XX/XXXX ( Tuesday ) XXXX XXXX   XXXX min XXXX XX/XX/XXXX ( Wednesday ) XXXX XXXX  Please note if we dont hear from you by the end of the day Monday, XXXX we will be moving with setting it at our convenience Thank you XXXX XXXX Legal Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX Tel : XXXX EXT XXXX Fax : XXXX
Consumer complaint received 2023-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

RE : Cease and Desist MIDLAND CREDIT MANAG currently has an account listed on my consumer report that is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in the appropriate court venue for damages related to fraudulently trying to collect on a debt that I do not owe. I have never contracted with this company, and I am demanding verification of such alleged debt. Verification is defined as a formal declaration made in the presence of an authorized officer such as a notary public under oath but in the presence of such an officer whereby one swears to the truth of the statements in the document XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also demand proof that this corporation provides proof that I signed a contract with them. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since you will not be able to prove that I owe your company any money, I demand the following account be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows : XXXX XXXX - MIDLAND CREDIT MANAG within 30 days from receipt of this notice.
Consumer complaint received 2023-10-07
Product: Credit reporting 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)

As a consumer and natural person am a victim of identity theft. Transunion, XXXX, XXXX have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! Transunion, XXXX, and XXXX has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! Transunion, XXXX, and XXXX are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.
Consumer complaint received 2024-04-02
Product: Credit reporting 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)

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.

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 2021-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (MA)

Hello XXXX Hospital /DYNAMIC RECOVERY SOLUTIO , Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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.

This accounts and Inquiries 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.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NOVA Financial Holding Company, LLC (NV)

On XX/XX/2023 my mortgage with Nova Home Loan was paid in full. I disputed the balance and they have refused to report that loan is paid in full and reported to credit bureau that their reporting in correct.
Consumer complaint received 2023-10-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CO)

I have sent an initial letter stating to validate the debt. They did not respond in the 30-day follow-up. I sent a second letter to validate the debt giving them a 15-day follow-up permitted by law and they have failed to respond and validate which means the debt is not valid.
Consumer complaint received 2023-04-25
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)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-30
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: Avant Holding Company, Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im in a Direct Violation of The Fair Credit Reporting Act XXXX : ( XXXX ) Avant LLC/ WEB BANK ( XXXX ) XXXX ( XXXX XXXX XXXX : ( XXXX XXXX ) has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly stated that I have the right to privacy.

15 U.S.C1681 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 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Please Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting ACT/
Consumer complaint received 2023-05-18
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-04-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

My home was damaged from Hurricane Ian. We were finally issued our claim funds and PennyMac will not issue funds so we can continue our process. We were issued 2 checks that are both spent to contractors to do work. We are in the process of getting our roof replaced next and I need additional funds to be released to pay them the balance or I will be charged 11 % interest which is unnecessary since the money is there. I pay my mortgage on time every single month and have not once asked for any kind of assistance from you. The insurance premiums are paid by ME and this is the reason I pay insurance so I can be protected. I have waited 7 LONG months to start the process of rebuilding and I can not continue without funds. I have already spent more than I can afford out of my own pocket and I do not have any more available. If I could pay for all of this myself I would not need insurance and/or a mortgage and I would not wait this long to have my home fixed. i have always been cooperative, I have sent copies of contracts and have done inspections so you can see I am using the money to fix my home. I need to get my home fixed so i can begin living a normal life again after 7 months.
Consumer complaint received 2023-10-08
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)

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 XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : TRANSUNION CREDIT BUREAU ; 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.

I HAVE NEVER GAVE TRANSUNION PERMISSION TO FURNISH OR PUBLISH ANY ACCIUNT INFORMATION RELATED TO THESE COMPANIES. I HAVE CONTACTED TRANSUNION VIA CERIFIED MAIL AND PHONE AND INSTRUCTED THEM TO BLOCK OUT FRAUD ITEMS AND THEY REFUSED. I CONTACTED THEM AND ASKED THEM TO PLEASE NOT ALLOW ANY OF THE ABOVE MENTIONED COMPAINES TO BE ABLE TO FURNISH ACCOUNTS ON CREDIT FILE OR HAVE ACCESS TO MY INFORMATION AND TRANSUNION VIOLATED MY RIGHTS AND ALLOWED THESE COMPAINES INTO MY PERSONAL CREDIT FILE
Consumer complaint received 2023-07-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (IL)

Received this from PayPal : After a review, we decided to permanently limit your account as we found potential risk associated with it. 
You'll not be able to conduct any further business using PayPal. 
Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. You'll also be charged a High Volume Dispute fee based on your activity for all existing and future cases you receive. 
Any bank or credit card information that's linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you can't send or receive money. 
If you have funds in your PayPal balance, we'll hold it for up to 180 days. After that period, we'll email you with information on how to access your funds. 
We regret any inconvenience this may cause. 

I never was able to use PayPal and not sure why I am unable to use it. 
Please assist. 

Thank you, XXXX
Consumer complaint received 2021-07-24
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (AZ)

I am disputing a charge of {$29.00} plus interest, shipping and handling and sales tax to my credit card account on XX/XX/2021. The charge is in error because the item I ordered was missing from the delivery. 

I have been in contact with the company by phone calls, writing emails since XX/XX/2021 disputing their error until now. I received a letter from the company XX/XX/2021 dated XX/XX/2021, after registering my dispute on the telephone XX/XX/2021 stating the purchase was paid in full at the time your dispute was received ; a credit for the disputed charge ( s ) will not be applied. I responded " You will see on my bill of XX/XX/2021 which was the bill the following month of the charge on XX/XX/2021 that I was charged a minimum interest charge of {$2.00} because I did not pay for the missing item. I didnt want anymore interest charge so I paid my bill but you can see on the Statement Closing date XX/XX/2021 that there was a balance of {$35.00} which was the balance on XX/XX/2021, the date of my phone call and again a request for the missing item. It was not until XX/XX/2021 when my auto payment of {$29.00} was applied. '' Why would I be denied a credit for an item that I did not because I pay my bills?