davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc. (FL)

Hello, my name is XXXX XXXX XXXX I am a victim of identity theft. Ive reported to all three bureaus and the company is. Ive never lived here. I am a victim of identity theft. Please help me. ive been harassed by this company. 

XXXX XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX XXXX XXXX department XXXX XXXX {$4700.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : Account information disputed by consumer Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX {$4700.00} {$4700.00}
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (VA)

On XX/XX/year> ( due date of payment ) I made the due payment amount of XXXX by automated system by phone to : Concora Credit XXXX XXXX XXXX XXXX OR XXXX Indigo Mastercard issued by XXXXXXXX XXXX, a XXXX XXXX XXXX, serviced by Concora Credit Inc . 

XXXX www.indigocard.com I paid using checking account number and routing number. 

Five days later, after noting my payment had not been posted to my credit card account, I called customer service to inquire as to why. I was told it could take up to 14 days for the payment to post. When I asked why, I was told it depended upon the computer system and might or might not occur every month when payment was made. 

I received a letter dated XX/XX/year> ( received on XX/XX/XXXX ) stating that payment dated XX/XX/year> for XXXX was not honored by financial institution and has been reversed from Indigo Mastercard account. 

As well as, in accordance with account agreement, a returned payment fee may have been applied to account. 

The XXXX payment is listed on online checking account as a cleared payment posted on XX/XX/year> ACH to Concora Credit, payment ID XXXX On XX/XX/year> I contacted said creditor by phone to inform them of this posted payment information. I was informed that the payment was showing on their end as not processed and returned with a returned fee of XXXX added to my account. 

Upon nothing being resolved or any information being requested, I asked the call to be escalated to a manager. Said manager repeated the same information as was already stated then requested a fax to be sent showing posted payment on bank account letterhead. He gave me a fax number of XXXX, refused to give me the name of a contact person and recipient of fax, refused to provide an email address and stated to address the fax to the " back office ''. I inquired of when I would receive a response and was told within 14 days. 

End of conversation. I received no confirmation of any sort establishing this contact or how I would be contacted within 14 days. 

At this point, I am wary of sending any personal information ( including a bank account document ) to Comcora. 

Please provide information on this creditor as well as possible avenues to resolve this situation before it affects my credit rating. 

Thank you very much, XXXX XXXX
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX the CRA reported a late payment on an auto loan for XX/XX/XXXX that was incorrect. I disputed the information and sent my proof to the CRAs. The late payment was then removed XX/XX/XXXX. On XX/XX/XXXX a new late payment was added for XX/XX/XXXX. This inaccurate data has been reported to the Attorney General and XXXX. this inaccurate data is also in violation of a number of FCRA Laws, XXXX XXXX data compliance and consent of disclosure. If the information was correct and true under XXXX the data would not constantly change.
Consumer complaint received 2023-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

I have been paying off my credit cards and have been checking my credit report because I will like to finally buy something. I notice a change in my credit report saying that I owe on a credit card no knowledge of it and they telling I have to pay it. I have had fraud on my account for years no credit card should be open unless my information is verified. How did this happen? Midland Credit Mgmt says I owe {$1000.00}
Consumer complaint received 2024-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

XXXX - I recertified my income and then learned that my recert deadline was extended and that Mohela would return me to my prior payment amount. XX/XX/XXXX - I received a billing statement for my XXXX payment, due XX/XX/XXXX. XX/XX/XXXX - I received a notification that Mohela placed my account into processing forbearance XXXX. I did not request or approve this. XX/XX/XXXX - I called Mohela and was informed that XXXX would not count toward PSLF unless the forbearance was removed and so I asked for them to remove it. I told was it would take up to 87 days to remove the forbearance. Despite all of this my loan status was repayment up until today. There is no XXXX payment due. I submitted a pslf form in XXXX and as of today XX/XX/XXXX is also still showing as ineligible. XXXX will be my XXXX month of employment that qualifies for pslf. I can not leave my job in XXXX as planned because of this issue, which is causing an incredible amount of financial strain. 

These shenanigans are making it impossible for me to leave public interest. Regardless of whatever is going on internally at Mohela, XXXX will be my XXXX payment, and I need to be able to leave my job and soon as possible after that. I have made financial decisions based on this timeline and this is jeopardizing everything I have worked for for 10 years. 

I need FSA and/or Mohela to confirm in writing that XX/XX/XXXX and XX/XX/XXXX will count towards my PSLF XXXX. I can not move on with my life without this. I can not afford, literally or figuratively, to wait and see what happens in XXXX when supposedly everything will be magically fixed and it is completely unacceptable to put people in this position.
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2022-11-26
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. (FL)

This is my 3rd 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 alleged fraud or extortion. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00}
Consumer complaint received 2024-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

The recertification process for an income driven repayment plan was pushed back. This is the exact wording on the Federal government 's website. The deadline to recertify your IDR plan has been extended to XXXX XXXX, XXXX. The earliest you will have to update your income and family size for your IDR plan to meet that deadline is XX/XX/2024. Mohela ended up kicking me out of my plan and raising my payments from {$90.00} to over {$400.00} because they said I did not recertify on time. Since they are tied to federal loans they should be following that same statement. I called Mohela when I saw a payment for over {$400.00} processing from my bank account. Mohela said that the best they can do is put me in forbearance for the next few months and refund my money. I have not received my refund yet and am worried this will affect my payments towards PSLF.
Consumer complaint received 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-25
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: Experian Information Solutions Inc. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have 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.
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

there is a lot of personal information on my report that is not mine. I'm including a copy of the ID Theft Report I filed, My Driver 's license & utility bill as proof of ID & residence. I want any item that does not pertain to me to be removed.
Consumer complaint received 2023-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I ordered shoes from this instagram seller for {$110.00} on XX/XX/XXXX and when i asked for a refund because i realized it was a scam i got left on read.I already tried calling chase and they said all they can do is make a complaint and that if they get the money back theyll give it to me but she told me it wasnt likely so i read about regulation 5 and was wandering if i could get my refund.
Consumer complaint received 2022-11-17
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. (MA)

In accordance with FCRA the following creditors have violated my rights. Under 15 USC 1681 sec 602 states. i have the right to privacy. 15 USC 168 sec 604a sec 2 it also states that a consumer reporting agency can not furnish information about my account without my written instructions. Additionally any amount being disputed on credit report must come off credit report 15 USC 1681 a.1.a. 

The following creditors have violated these laws, and are currently reporting these accounts incorrectly. There are also several details on my report that are in dispute, which should not exist on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to the above, the following creditors are reporting balances due on my credit report while being actively in dispute. These is illegal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX I have filed several dispute letter with them, and they have not replied. I have notified them that they are subject to the doctrine of estoppel by silence, and only then did they reply. 

Not one of these creditors have provided adequate proof of the debt, yet continue to report them.
Consumer complaint received 2023-03-03
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$8400.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (FL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XX/XX/2021.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.
Consumer complaint received 2023-06-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FirstCredit, Inc. (PA)

I am repeatedly, for months, contacted by Firstcredit Services. They call nearly every single day, for months, and leave no message about what the call is about. 

Because of the fear of telephone fraud, I don't answer any call where I don't recognize the number/caller, that I'm not expecting, know who the caller is and why they are calling. 

This company never leaves a message about why they are calling. I have no idea on whose behalf or for what supposed debt they are trying to collect. The only reason I know that they are a debt collector is because I looked them up.
Consumer complaint received 2023-05-09
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-06-23
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: 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. 

The letters are stated with items and issues. 

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 2022-11-14
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  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.
Consumer complaint received 2023-05-09
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. (LA)

Remove fraudulent unauthorized inquiry from XXXX XXXX XXXX  on XX/XX/2023 off my report with monetary relief or provide wet ink signature or proof in writing within 30 days.
Consumer complaint received 2022-11-14
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX XXXX Balance XXXX {$730.00} XXXX XXXX XXXX  Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2021-01-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC (TX)

I receive phone calls from Capio Partners and when I ask have I done business with them directly, they will not respond. They repeatedly ask me for my date of birth, I have no idea who this company is I have asked them to mail me correspondence from their company and they still haven't done so. I have told them I am I have had my personal information exposed on the dark web and I will not provide information to a company that I have never heard of.