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. (FL)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit Bureau stated my accounts were properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal and they also 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 instruction. 

Attach is first letter I sent stating this and copy of certified letter receipt showing they signed. 
I sent letter on XXXX XXXX  and it was received on XXXX XXXX  I received a letter in the mail stating they were not going to investigate because it looks like the letter didn't come from me. I called and assured the rep it came from me and she would put dispute in I called around the XXXX of XXXX to check status rep told me they were not disputing again because everything is verified but as you can see below reports are not showing 100 % accurate
Consumer complaint received 2023-02-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Below are notes I have taken while speaking on the phone with Carrington Mortgage.

Customer care agents have been helpful at times but seem to focus only on taking or processing a payment, they neglect the need to do anything more than this most of the time. Escalation agents have been professional and helped usually but most fall short and also neglect to call me back, or update IT tickets in any manner. They still need the manager 's assistance to do most things. This makes me think, I am speaking with a long-term agent also in customer care or is this actually an escalation team? 


XXXX ID : XXXX - first escalation specialist I spoke with. marked my IT ticket opened on XX/XX/XXXX as urgent. This ticket ended up being close stating no trouble found. No members from IT called me to discuss this. 

First IT ticket : XX/XX/XXXX Supervisor submitted Second IT Ticket : XX/XX/XXXX Agent requested email to supervisor. 

Spoke with Agents and requested IT ticket - Unknown original agent information as no notes were placed on the account. 

XXXX ID : XXXX - customer care agent, was rude while on the phone refusing to transfer me to the escalation team. 
XXXX ID XXXX - asked to open IT ticket for payment error, no ticket was opened XX/XX/XXXX ID XXXX- Same request to open a ticket but one was not opened. 
XX/XX/XXXX ID XXXX - requested IT ticket and to escalate, was transferred back to another customer care rep not the escalation line. 

XX/XX/XXXX - Spoke with Customer service agent who refused to escalate me prior to reading all the notes and then was given permission to escalate. Took 15 minutes, I requested he see that in the notes I spoke with XXXX on XX/XX/XXXX in the escalation department and should just transfer me. Spoke with XXXX in escalations who reached out to XXXX. XXXX and their manager rebuilt my profile and asked me to try processing a payment again. I attempted using the app and got the same error advising my routing number or account numebr are invalid. XXXX submitted a new IT ticket since the original was closed saying no issue on there end. XXXX then transferred me to Leasing department agent XXXX XXXX who stated " '' Doesnt have an ID '' and is not licensed in NYS. Said he was unable to notate my account he didn't have the ability then instantly mentioned he could try to note the account advising I have called in and would not be making my monthly payment but that he could confirm this probably will affect my month to month billing history and not meet the 12 months in a row for lending options to open up.

I advised I would be starting legal action against them. 

XX/XX/XXXX - spoke with customer care and escalations team, no update on IT ticket, still unable to process payment online. Advised I have until XXXX XXXX  EST to pay XXXX the automated phone system or by XXXX XXXX EST with an agent on the phone. Advised I would try the phone system at XXXX XXXX EST.
Consumer complaint received 2019-07-22
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: EQUIFAX, INC. (GA)

The following accounts are reporting to my credit report in error. They must be removed immediately as they are the result of identity theft. I already filed a complaint with the FTC and local authorities. 

1 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 2 ) XXXX XXXX   {$4600.00} opened XX/XX/XXXX 3 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 4 ) XXXX XXXX for {$100.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX with {$0.00} Balance Opened XX/XX/XXXX 6 ) XXXX XXXX for {$520.00} Opened XX/XX/XXXX 7 ) XXXX XXXX XXXX for {$100.00} Opened XX/XX/XXXX
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (AZ)

This debt collection company is unlawfully attempting to collect {$2.00} worth of tolls and has assessed me with a " fine '' of an additional {$100.00} for toll evasion. I did not amass these tolls. They've offered me a " hearing '' only if I pay the full {$100.00} as a " deposit ''. When advised that they do not have jurisdiction to collect for the transportation company nor assess penalties without due process, they attempted to extort me and claimed that they " will levee my bank accounts and withdraw the funds without my knowledge ''.
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I NEEDED HELP WITH MY MORTGAGE PAYMENT. I APPLIED FOR ASSISTANCE IN XXXX XXXX. NO WRITTEN DECISION HAS BEEN ISSUED BY MY SERVICER, NATIONSTAR. INSTEAD THEY HAVE SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/XXXX. AFTER SEVERAL MONTHS OF REVIEWING MY FILE THEY MAKE THE CLAIM THAT THEY ARE MISSING PAGES XXXX OF THE REQUEST FOR MORTGAGE ASSISTANCE APPLICATION. NATIONSTAR IS EITHER AN EXTREMELY SLOW READER OR THEY HAVE NO REAL INTENTION OF PROCESSING MORTGAGE ASSISTANCE REQUESTS.
Consumer complaint received 2023-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (TX)

Company Weltman , Weinberg & Reis Co., LPA first contacted me back on XX/XX/XXXX with claims of an owed debt. The debt being requested was not mine and appeared to be fraudulent. Weltman, Weinberg & Reis Co., were then as to validate the said debt owed, and they were informed that they had 30 days to do so per FDCPA regulations. They failed to adhere to federal regulations and have since reattempted collection procedures dating to XX/XX/XXXX. This company is in major violation of my consumer rights, and has committed multiple violations under Fair Debt Collection Practices Act, 15 USC 1692.
Consumer complaint received 2021-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Last XXXX I've sent disputes for those unknown and inaccurate accounts that I found on my credit report. It cause me stress because it's almost 90 days now but I haven't received any response. I demand for the deletion of those inaccurate or unknown accounts or I will file a litigation.
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Payment for transaction XXXX / {$100.00} for bitcoin was made on theXX/XX/XXXX/17 and it still sitting in pending. I have tried to contact and email support on multiple occasions and received no response. Coinbase case number XXXX
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Went to branch during business hours XXXX Fri XX/XX/2023 to receive certified check for car purchase. Check needed same day as purchase was for Saturday which was out of state. Flight was purchased for {$1000.00} to deliver certified check and drive back car for Saturday. Bank had no way of transferring money to other accounts, withdraw money to cash, or wire money to different account in my name in order for me to complete the purchase.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following account be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXXXXXX XXXX ) ( XXXX XXXX )
Consumer complaint received 2020-12-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

The credit Company is   XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  .   XXXX   XXXX     XXXX   I did not apply for this card. I have been writing letters to this company and all  XXXX  credit bureaus for a number of years off and on. There has yet to be a resolution and this company as well as the bureaus have yet to delete from my credit files. I just recently written the companies this past   XXXX    XXXX , 2017 and still getting computer print outs with no validation of signature and who verified the account as accurate.
This negative and inaccurate reporting has been going on for over ( 7 ) years which is past the statue of limitations for the state of Georgia.
This company continues to re-age this information into my credit reports.
Consumer complaint received 2017-07-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NJ)

Two private loans I have with them very discharged in my Chapter XXXX bankruptcy in 2015. Provided paperwork numerous times. My loan keeps getting rolled into forbearance then they show it over 120 days late on my credit reports. And getting daily calls for payment. Do n't know what else to do at this point. Any help would be appreciated.
Consumer complaint received 2020-04-26
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. (TX)

ftc violations attached Fair Debt Collection Practices Act Great Seal of the United States Long title An act to amend the Consumer Credit Protection Act to prohibit abusive practices by debt collectors.

Acronyms ( colloquial ) FDCPA Enacted by the 95th United States Congress Citations Public law Pub.L. 95109 Statutes at Large 91 Stat. 874 Codification Titles amended Title 15 U.S.C. sections created 15 U.S.C. 16921692p Legislative history Introduced in the House as H.R.5294 by XXXX XXXX on XX/XX/XXXX Passed the House on XX/XX/XXXX Passed the Senate on XX/XX/XXXX with amendment House agreed to Senate amendment on  XX/XX/XXXX ( ) Signed into law by President Jimmy Carter on XX/XX/XXXX United States Supreme Court cases Sheriff v. Gillie , No. 15-338, 578 U.S. ___ ( 2016 ) Henson v. Santander Consumer USA Inc., No. 16-349, 582 U.S. ___ ( 2017 ) Rotkiske v. Klemm, No. 18-328, 589 U.S. ___ ( 2019 ) The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]
Consumer complaint received 2017-07-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I have a student loan with American Education Services. This is not who I originally received my monies through, but my loan was sold to them. For the past almost eight years I have been making biweekly payments to lower my balance and in turn keep the amount of interest down. The amount still owed after all this time is still more than what was originally borrowed!!! How can this be??? I was in banking/loans for 15 years!! What they tell me is bull on a cracker!! They are in the business to rip people off!! Look at the reviews on line. You can not get a straight answer from anyone!! This is terrible and should not be allowed!
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION XXXX BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-02-23
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: Conn's, Inc. (GA)

Im a identify theft victim, I have reported to these companies as well as the credit bureaus thats these are not my accounts. Neither show any interest of resolving this issue, I have submitted police report as well as ftc report still nothing. Ive ask for physical signed documents which hasnt been provided.
Consumer complaint received 2020-12-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Service (AL)

Between XXXX to XX/XX/2020, I have written to Alliance Collection Service four times asking for debt validation and proof that my HIPPA rights were not violated in their purchasing or being assigned this alleged debt. They have not responded and at this point, after 6 months it's time for this to be deleted!
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: SYNCHRONY FINANCIAL (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

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 2023-02-02
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. (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 XXXX XXXX XXXX. 

XXXX XXXX : # XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX # XXXX XXXX Dept. of XXXX XXXX XXXX XXXX # XXXX XXXX bank # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information any other adverse item of information, other than records or convictions or 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 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NV)

I filed for bankruptcy in 2020 because of my vehicle only which my attorney and the court was aware. XXXX  stopped reporting my loan details to the credit reporting agencies and claims my mortgage was part of the bankruptcy which it was not. I tried to resolve the issue with the lender and credit agencies. The lender replied to all agencies and keeps telling them the information theyve been reporting is accurate even though its not since the loan is active and current.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2017-07-17
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. (AL)

THIS IS MY 3RD DISPUTE TO EQUIFAX AND   XXXX   IN REFRENCE TO THESE FRAUDULENT INQUIRIES ON MY CREDIT REPORT. I HAVE MAILED CERTIFIED LETTERS TO EVERY CREDITOR MENTIONED AND NO RESULTS. I AM REQUESTING THAT THESE FRAUDULENTS INQUIRIES BE REMOVED SOME WERE MADE 2 AND 3 DAYS IN A ROW WHICH DOESNT MAKE SENSE THAT I WOULD REQUEST MY CREDIT TO BE PULLED BACK TO BACK. I CONTACTED THE LOCAL CITY POLICE DEPARTMENT AND I HAVE FILED A POLICE REPORT THIS IS FRAUD AND UNAUTHORIZED. THERE ARE OVER   XXXX   INQUIRIES THAT I DID NOT AUTHORIZE AND I HAVE SPENT OVER 60.00 SENDING OUT XERTIFIED LETTERS TO EACH CREDITOR WHICH I SENT COPIES TO EACH CREDIT BUREAU SHOWING I DID MY PART. AT THIS TIME I AM ASKING THAT THE FOLLOWING INQURIES BE REMOVED FROM MY CREDIT FILE THAT I DID NOT AUTHORIZE. EACH CREDIT BUREAU HAS A COPY OF MY FORMAL POLICE REPORTS FROM IDENTITY THEFT. MOST OF THE INQUIRIES WERE FOR ONLINE AUTO LOANS. PLEASE REMOVE FROM CREDIT FILE
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.