davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
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. (NJ)

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 2023-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Please find attached, along with XXXX supporting attachments, my Formal Direct Dispute of XXXX Account XXXX. : XXXX XXXX XXXX XXXX and its corresponding Receivables In Case Of Portfolio Recovery Associates , LLC ( formerly known as ) PORTFOLIO RECOVERY ASSOCIATES, L.L.C., dated XX/XX/XXXX.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNCOAST CREDIT UNION (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-09-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (KS)

In XX/XX/XXXXXXXX  I received two letters by mail from a collections company named XXXX XXXX , XXXX in which they claimed I owe the amount of {$5800.00} to them. This letter included my actual residential address and my legal name. On the other hand, the other letter contains the name of : XXXX XXXX with the same address as me. This person does NOT reside in my address nor I have any relation with, and I do NOT owe any amount of money to them. In XX/XX/XXXX, just 30 days after I receive this first communication from them, I sent a Debt Validation Letter asking them for validation, information, and competent evidence in regards that I owe them that amount, and also a Cease and Desist request to stop them trying to communicate with me by phone and only by mail. 
They received my Debt Validation Letter on XX/XX/XXXXXXXX  as my tracking number from USPS stated, given that I sent my letter with Priority Mail for evidence reasons. As of today, I have not received any evidence of dismissal of the debt but a negative credit report on my XXXX credit bureau yesterday, Thursday XX/XX/XXXX. I tried to contacted them yesterday by phone and they refuse to talk to me because I need authorize that again ( Cease and Desist requested for me ) but indirectly telling me that they indeed received my letter and obey my request, but fail to prove that debt belongs to me. The name of the representatives that I spoke to are XXXX XXXX and XXXX XXXX from Hunter Warfield , Inc . I filed a dispute to XXXX yesterday XX/XX/XXXXXXXX  and provide them with some evidence that I have and looking to have them remove out of my credit report and repair the damages they have done to my credit.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected ASAP. Thank you. 
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
Consumer complaint received 2022-11-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

A couple of years ago. My wife and I had to file for XXXX XXXX Bankruptcy due to a crazy amount of hospital bills, and related tests and exams, which we were making payments on, decided we were not paying in a timely manner and began sending all our past due bills to collections. 

We tried to work out the payments with the collection companies, but they wanted more than we could afford. Some bills were from tests that we had no idea had been completed. Some test were questionable but the credit companies would refer us back to the hospital and the various testing companies. They would refuse to discuss the matters because in their words, " The account had been sent to collections and it was out of their control. '' We attempted to pay all our debts but the collections companies pushed us to file for XXXX XXXX bankruptcy. 

My concern is with XXXXXXXX XXXX. We had a XXXXXXXX XXXX XXXXXXXX XXXX which was overseen by XXXXXXXX XXXX  We payed our debt off to XXXXXXXX XXXX XXXXXXXX. We did not file bankruptcy on XXXX XXXX or XXXX XXXX XXXXXXXX. We specifically stated to the Bankruptcy judge that we had payed the debt to XXXXXXXX XXXX XXXXXXXX and XXXX XXXX But our Credit card privileges were suspended. 

XXXXXXXX XXXX refuses to respond to any letters we send to them. They do not acknowledge that we sent a letter to dispute this claim. 

We do not understand their reasoning for this decision. We paid our debt to XXXXXXXX XXXX yet they refuse to respond to our questions.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (GA)

I have called Citibank several times over the past few weeks. I had a credit limit of XXXX untilXX/XX/XXXX, when I PAID off my card balance. They then cut my credit limit to {$500.00} - even though my credit score went UP 50 points. I called today, XX/XX/XXXX, to complain, and my card was closed. They then told me I would need to REAPPLY and couldn't guarantee that the card would be reopened.
Consumer complaint received 2022-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

I attempted to deposit {$1300.00} into my XXXX account through an authorized Pnc atm. The machine took my money, then told me the transaction was not allowed. When I called the atm customer service, XXXX, the representative who answered the phone was rude and short.
Consumer complaint received 2022-10-28
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)

These items were not authorized nor completed by me as a consumer : XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am very pleased to report that, subsequent to my recent query through the Bureau, I received notification from Mr. Cooper that they are re-initiating the short sale, using the buyer who is offering their requested price. 

I am enclosing the letter I recently received, which requests all the usual paperwork to fulfill my part of the process. 

However, the XXXX file that was re-opened seems to reject the new short sale, and my efforts and the buyer 's agent 's efforts have not produced any resolution of that situation. We wish to send my paperwork NOW, but it is not being accepted by XXXX. 

So I am back again, hoping to communicate more directly about this situation so it can be resolved asap.
Consumer complaint received 2022-12-11
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, and 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 2022-12-11
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. (NV)

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, 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 2022-12-11
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, and 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 2018-12-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I reached out to the 3 credit reporting bureaus in regards to a collection account that is not mines and I have documentation showing it is not mines. I just want to get this removed because its reporting inaccurately.
Consumer complaint received 2023-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL (GA)

Oxygen XL keeps sending me collection notices saying that I owe them $ {$85.00}. I have responded twice in writing to let them know that I do not owe this debt and I have no contract with them. Oxygen XL keeps sending me a bill as validation and not verification of the account that I have no knowledge of. I have asked Oxygen XL for a contract with my signature obligating me to this debt which they have not provided. This debt does not belong to me.
Consumer complaint received 2022-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

SPS say that a Covid related Hardship is honored and can be considered for Assistance from loosing home to foreclosure however when I submitted such information I was denied for assistance with no real detail of why just generic that could not be fact checked.Also the original repayment program I was on I missed two payments out of the 12 due to a Covid related Hardship and the Repayment agreement did not say such could not be considered. When I ask SPS customer service representatives of such they dont have a answer. I even asked if I could get a forbearance for those two months giving circumstances of the hardship in which the to no avail with the SPS customer service rep. I then proceeded to ask for a forbearance for those two months via the SPS representative email in which I got a generic standard email reply to no avail.
Consumer complaint received 2018-06-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Loan was with XXXX XXXX XXXX, was transferred to Nationstar Mortgage now Mr Cooper, letter from XXXX XXXX XXXX  dated XX/XX/2012 said fax in modification paperwork and balance reduction and modification will be done! Was faxed and then transferred. Mr Cooper always says that was modified with XXXX XXXX XXXX but was not or would not be complaining! Mr Cooper always refutes the information and again WAS NEVER MODIFIED WITH THE BALANCE REDUCTION! THATS WAS I WANT AGAIN NEVER MODIFIED WITH THE BALANCE REDUCTION! Mr Cooper will sell to someone at value but inclosed is proof, DO THE RIGHT AND ETHICAL THING AND  HONOR LETTER AND QUIT GIVING EXCUSES!
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/2023, to remove the accounts that are UNKNOWN to me. The items have an erroneous status and it is detrimental if it remains in my file. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ {$3900.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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. (NJ)

in accordance with the Fair Credit Reporting and XXXX XXXX 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 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (TN)

I called cb indigo in XXXX of 2020, I had my late fee waived and can indigo gave me an financial accommodation. Cb indigo told me not to worry that they would waive my late fee due to the pandemic. I also called them and told them I was suffering due to the pandemic. XX/XX/2020 I called them to have the late payment fee credited back and they did just that. According to the Cares Act they gave me relief and they shouldnt have reported me as late during this timeframe. I would like this late payment removed as it is unlawful due to the Cares Act.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX... Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Balance : {$360.00}
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NJ)

Friday XX/XX/2022 I received a bill from my XXXX credit card. I viewed the bill and it had 1 charge for XXXX dollars that I did not make. I notified them immediately there was a fraudulent charge on my account. They told me I was required to pay the bill or I would be assessed a late fee. The only thing on that statement was the fraudulent charge and they are requiring payment or I will be assessed a late fee. They also did not even cancel the card and provide a new card with a new number they just left me with the old card number that had fraudulent charges on it. I chose to cancel the card and not do business with XXXX again.
Consumer complaint received 2023-11-09
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. (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  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. Or list of inquiries 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 2022-10-21
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry on XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2023-03-04
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: Experian Information Solutions Inc. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.