davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-06-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (TX)

Subject : Complaint Against XXXX XXXX XXXX, XXXX. for FDCPA Violations Dear Consumer Financial Protection Bureau, The Fair Debt Collection Practices Act ( FDCPA ), ( 15 USC 1692 et seq. ), which became effective XX/XX/1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices. The FDCPA also protects reputable debt collectors from unfair competition and encourages state action to protect consumers from abuses in debt collection.

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX. for violations of the FDCPA. I believe that this agency has engaged in abusive, deceptive, and unfair debt collection practices in my case. 

Specifically, the following violations have occurred : Harassment and Abuse : XXXX XXXX XXXX, XXXX. has harassed and abused me in the process of attempting to collect a debt. This is a clear violation of the FDCPA, which is designed to eliminate such practices. 

Failure to Send Initial Communication : XXXX XXXX XXXX, XXXX. failed to send me an initial communication before initiating a lawsuit against me in state court. This denied me the opportunity to validate the debt, which is a direct violation of 15 USC 1692g. According to the FDCPA : " 1692g ( d ) Legal pleadings : A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication. '' Lack of Signed Contract or Agreement : I do not have any signed contract or agreement with XXXX XXXX XXXX, XXXX. There is no documented proof that I owe any debt to this company. 

Failure to Provide Master Account Sales Agreement : XXXX XXXX XXXX, XXXX. has not provided any master account sales agreement between themselves and the original creditor, further casting doubt on the legitimacy of their claim. 


The actions of XXXX XXXX XXXX, XXXX. are not only in violation of the FDCPA but also cause undue stress and financial hardship. I am seeking your assistance in investigating this matter and taking appropriate action against the agency to prevent further abuse and to protect other consumers from similar experiences.

Please find enclosed copies of any relevant documents that may assist in your investigation. I appreciate your prompt attention to this serious matter and look forward to your response.
Consumer complaint received 2017-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Conn's, Inc. (WA)

I was contacted today by a woman claiming to be an attorney from  XXXX  and  XXXX   XXXX   XXXX . She claimed that I had refused to pay a debt and then asked for identifying information including my social security number. When I would not verify the information she threatened to sue me and go after my " assets '' for giving false information. Then hung up on me. I Looked up the debt and it is 14 months past the statute of limitations for the state the debt was opened in, as Texas has a 4 year statute across the board. This account was opened  XXXX   XXXX   2012 . I was not informed that the call was being recorded nor was I informed that it was a debt collection call or that the information requested would be used for that purpose. This company is practicing illegal debt collection acts and pursuing debts that are outside of the legal time allowed. This is harassment.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

Hello, Im in the process of trying to secure a home loan. My mortgage counselor pulled my credit report from all three credit bureaus, but my Equifax credit report will not come up. I called to see what the issue was and they stated my birthdate was incorrect. My actual birthday is XX/XX/XXXX, Equifax has it listed as XX/XX/XXXX. I have sent my personal documents including my social security card, ID, W2 by mail on XXXX XXXX. They never received nor updated my information so I opened an online dispute on XXXX XXXX my confirmation number is XXXX and uploaded a pic of my id and passport showing my correct date of birth. They let me know my email that they received my dispute and will update my birthdate on XX/XX/XXXX. I have called in multiple times and they have not updated my information nor given me the correct information on my dispute.
Consumer complaint received 2023-02-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-02-01
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: OPORTUN FINANCIAL CORPORATION (FL)

It looks like OPPORTUN BANK has requested my credit file via a hard inquiry three times in the past 18 months without my knowledge, permission or approval. 

On XX/XX/XXXX OPPORTUN BANK requested my credit file without my knowledge, permission or approval of a hard inquiry. 

On XX/XX/XXXX, I was sent a letter from OPPORTUN BANK Credit Department stating " a request has been made to the credit reporting agencies to remove the inquiry on XX/XX/XXXX from your credit report '' however, the fraudulent request is still on my credit report today two years later on XX/XX/XXXX. 

This is lazy, irresponsible, fraudulent, and dishonest banking. I have never done business with OPPORTUN BANK and any related agency related to this specific credit request for a credit card on XX/XX/XXXX does not have a permissible purpose for requesting my credit report.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (HI)

Based on my Escrow Balance Tab on the online account page, Mr Cooper paid my annual XXXX  Insurance bill in full XXXX  times : once in XX/XX/XXXX {$XXXX}, again on XX/XX/XXXX {$XXXX} and a XXXX  time on XX/XX/XXXX {$XXXX}. Debiting my XXXX account XXXX  times for XXXX bill, in total they have disbursed {$XXXX} from my account for a bill that was initially {$XXXX}. 

I was first alerted to the problem from a letter on XX/XX/XXXX sent by my XXXX XXXX company XXXX XXXX XXXX XXXX XXXX advising they had not been paid the annual premium. When I reached out to my insurance agent she confirmed. I reached out to Mr Cooper, my home loan servicer. They said they had sent a check on XX/XX/XXXX. When I investigated the address as it was not the one on my bill, I discovered it was a company with a similar name that handles properties in the XXXX XXXX XXXX, we are in Hawaii. I have no idea how they found this address. 

They sent another check to the address my insurance agent and I provided via a conference call on XX/XX/XXXX. Our Insurance was reinstated XX/XX/XXXX. 

I went online to review today and per my online Escrow Account Balance, they sent a XXXX check for {$XXXX} on XX/XX/XXXX Since this error was Mr Coopers XXXX, I would like the funds, {$XXXX} returned to my escrow account in full immediately.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

My loan was serviced by XXXX briefly. It was then transferred to XXXX for servicing and eventually the balance of the loan was forgiven under the federal governments public service loan forgiveness program resulting in a XXXX balance. XXXX is falsely still reporting the account as if they have the account and more significantly is reporting a balance when there is no balance. I owe XXXX yet XXXX is falsely claiming that i owe over {$110000.00}. They are also falsely reporting this account as open when that is also a lie. XXXX own website shows the loan paid off.
Consumer complaint received 2023-02-15
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2017-05-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elite Financial Services, Inc. (MO)

I recent pulled my credit report and noticed an account listed that I do n't recall signing any contracts with and by me having a common name I   XXXX   my name in my area and noticed several people with the same name as myself. After disputing with credit bureau and they claim to have verified but send me no supporting documents as in a copy of a contract of some sort bearing my signature.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several accounts that are on my Transunion credit report that has not been removed from my credit report and I have sent FTC letters to each creditor and they have failed to remove the items which by law I have the right to dispute inaccurate items reporting on my credit report when I didn't give permission to report theses items on my credit report and Pursuant to 18 USC 8, I owe No Debt. These company 's are violating my consumer right to privacy pursuant to 15USC1681b 2. Company has no permission to report ANYTHING using my info pursuant to 15USC1681 4.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is reporting this CHARGED OFF account XXXX XXXX  as OPENED on my consumer report. To my understanding a charge off account is considered to be a closed ended account therefore there should be no indication that this charged off account should be reporting as opened. I've already put transunion on notice of this blatant error and transunion refuses to modify the account appropriately therefore they should have deleted the account. instead of fixing the account TransUnion only sends me stall letters to ignore my dispute.I 've never disputed this account based on validity. this account has been disputed based on the simple fact that transunion reports this charged off account as opened instead of closed.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (CA)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.
Consumer complaint received 2023-05-31
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. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # 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 a account without my written instructions
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (FL)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Nation Star Mortgage will not report my payment to all XXXX credit agencies every since my loan was transferred in XXXX they started reporting NO ACTIVETY in XX/XX/XXXX after I got a XXXX modification this has effected my credit scores badly. I have made all payment on time never late according to the contract. 
Nation Star is reporting the original loan amount on my credit report as being XXXX when in fact the amount was XXXX is the number I 'll go with be all my paper trail from XXXX say something different. Even with my modification the loan amount was XXXX ( the new principal blance ). they always have a bunch of lies to tell when you speak to someone that 's you know with common since is not correct. 
Nation Star is also still charging me XXXX a month PMI I been paying this 10 years now. they want take it off because they said I do n't meet the LVT and I need to pay XXXX more dollars on my balance.
Consumer complaint received 2017-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX   XXXX   XXXX ,  XXXX  continues to collect a debt well past t he seven year limit. Last payment was made to the original creditor almost ten y ears ago. They still contact me and refuse to remove from credit report.
Consumer complaint received 2024-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB (NY)

Hi, My name is XXXX XXXX and I would like to file a complaint about a loan that was made through Klarna. Since, I was taking very long to pay off the debt it caused Klarna to send the debt over to the debt collection agency. But, I paid off the debt on XX/XX/XXXX on Klarna with a total of XXXX. Then I tried contacting Klarna but they said to contact the debt collection agency so here I am.
Consumer complaint received 2023-02-15
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Alorica Inc. (TX)

On XXXX XXXX XXXXXX/XX/year>, the amount of {$920.00} has been reporting as **charged off I never received a 1099c form from this creditor The company is XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (FL)

I HAVE LATE PAYMENTS incorrectly reporting on my credit report and want them to be removed immediately, I understand that failure to investigate these accounts, within a period of thirty days will results in " NON verification " which requires that thee late payments be removed from my credit file
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NV)

Tuesday XX/XX/year> I transferred by ACh {$700.00} from Cash App to my XXXX account this morning XXXX sent an email saying they rejected the ach because my cash app nick name does not match my XXXX account name. cash app insist the transaction is complete and will not return the returned funds to my account email address. It is strange how while I am steady showing them the deposit was returned all of the sudden it goes from pending to complete. This app is constantly problems and I just want my funding back and move on.
Consumer complaint received 2017-02-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NCC Business Services, Inc. (FL)

This. company NCC Business Services/XXXX appears on my credit report for {$570.00}. This debt does not belong to me - I have been XXXX oversea in XXXX for the past XXXX years. I need this removed immediately. This has been illegally reported.
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I sold my condo in XXXX MA in XXXX 2012 in a short sale. Nationstar Mortgage was the servicer on my 1st mortgage which was paid in full at the time of the sale. 
Three and a half years later Nationstar is showing up as XXXX separate dings on my credit report. XXXX dated XXXX indicated start of foreclosure although I was never notified of any such action and never received any paperwork upon sale of the property. The other item is dated XXXX is fraudulent. 
I want these items removed from my credit report.