davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alorica Inc. (FL)

WEST ASSET MANAGMENT  ACCOUNT NUMBERs :  XXXX  In response to complaint :  XXXX  Your company have violated FCR  A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2  of this title relating to information resulting from identity theft, to prevent    that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious  WEST ASSET MANAGEMENT ACC OUNT NUMBERs :  XXXX  I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company Example  In re    XXXX   XXXX   XXXX   XXXX   XXXX    Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in the  U.S. District Court  for the   XXXX   XXXX    of  Californi a Stop collect ion proceedings against me Signatures on applications and accounts Investigators report   XXXX   XXXX   SS #  XXXX  DOB   XXXX     ADDRESS   XXXX   XXXX    XXXX   XXXX   XXXX  , FL  XXXX
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act the following 3 companies have fraudulent information, wrong personal information : XXXX : NAME should be " XXXX XXXX '' PREVIOUS ADDRESSES : I do not recognize those addresses EMPLOYERS : XXXX XXXX  is not correct Experian : ALSO KNOWN AS : I am not known by any other names other than my actual Name which is " XXXX XXXX XXXX XXXX I am NOT " XXXX XXXX XXXX '' or " XXXX XXXX '' DATE OF BIRTH : should be XX/XX/1995, not just " XXXX '' PREVIOUS ADDRESSES : I do not recognize any of those addresses XXXX : XXXX : should be " XXXX XXXX XXXX XXXX XXXX i have no former names EMPLOYERS : XXXX XXXX  is not correct All of this incorrect/fraudulent information is hurting my credit report and not allowing me to qualify for mortgages or anything. This false information also is making Charge-Off accounts to remain on my report.
Consumer complaint received 2017-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections (FL)

This complaint is against the company "   Bonneville Collections ''.
They are currently reporting two u  npaid debts on my credit report totaling {$490.00} but I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     The first account has an account number of  XXXX  and a balance of {$290.00}. The second account has an account number of  XXXX  and a balance of {$200.00}. They were both reportedly opened in  XXXX    XXXX  .     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Consumer complaint received 2023-03-04
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had fraud done to my bank account about a year ago. It resulted in them closing my account due to the fraud. I filed a fraud complaint and they would transfer me person to person and never reserved any of the issues. To this day my account is still closed and because of that I can not open an accclunt at other branches.
Consumer complaint received 2017-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (MI)

I moved out of   XXXX   XXXX   on  XXXX    XXXX  . Everything in the apartment was clean and paint. A worker in the complex paint it and fix the spot in carpet for me! They are saying that they change carpet lying because want to charge and keep the money. Also I sent them all the info and is only until a colleccion agency call me that I know about this bill. They had {$750.00} of security deposit. Also I moved out because a custody battle in Michigan and give them proved!
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX Account XXXX cell phone open XX/XX/2017 this Account was open for 1 month they said ( XXXX ) I did not open this Account, this is fraud! I told them years ago XXXX, XXXX, Experian and XXXX I have a police report from XX/XX/2017 when I notice items on my credit report that was never report.
Consumer complaint received 2023-02-06
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. (GA)

My BUSINESS information is showing on my consumer report and i need it to be remove completely and transferred to my business consumer report as soon as possible. I have been damaged because of all the inaccurate information that has been showing on my report, i will attach the proper forms to put you guys on notice that my name that is connected to my personal consumer report is a business name and should be reported properly. Thank you.
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

This debt was resolved with Resurgent and they are still reporting on my credit even though it shows that they would delete the tradeline from my credit report. They have affected my new construction home loan that I have been building for a year by reporting these on my report, and I need them to remove it since it was resolved.
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

I was approved for an  XXXX   XXXX  Citi credit card. As part of the agreements, to earn  XXXX  miles, i had to chsrge  XXXX  in the first  XXXX  months. upon receiving my card, i began using my card and i had no issues. I was approved with a  XXXX  limit. Today i used my card while on vacation and was declined. still  XXXX  plus available. when i contacted citi from my cell phone which i provided at application, i was advised since this phone was not in my name they could not remove the fraud alert. then they said if i had another credit card, they could validate my identity. i provided them my chase credit card number so they could validate. after citi called chase, now  XXXX  had added a fraud alert on my account. i was advised that i need to send my a copy of my Dl # and ss # to remove the fraud. i am not home and i dont carry my ss card with me. to protect me from fraud, perform all these steps before you approve. dont approve me, then put a fraud alert on my account, and then ask for another credit card then cause another fraud alert while im on vacation.
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (IL)

I need validation of debt. 

They are saying this is for debt for " XXXX '' This was a federal program that paid for childcare. 

The only issue is, my child is XXXX. She went to that program when she was XXXX There is no way I owe any of this type of debt. It was a government program more than 13 years ago. 

On top of that, I was never contacted, sent any information and disputes with XXXX XXXX come up as it being valid. 

How is this valid if it was a government paid program from 13 years ago??
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

XX/XX/2023 - received collections letter on behalf of XXXX XXXX for a utility account that I never started in XXXX. 

XX/XX/2023 - called collections company to let them know it was fraud. They sent paperwork that I am supposed to fill out and return. After receiving paperwork, I decided not to send in as they ask for all of my personal information. 

XX/XX/2023 - called collections again, and they said that I will still owe the balance due, and are not acknowledging that it was fraud. 

Collections company is Online Collections XXXX.
Consumer complaint received 2023-01-07
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. (TN)

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. Have violated my rights. 
FIXXXX 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 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 no affiliation within myself I also have never been employed by a company called XXXX and this is also reporting inaccurate. 




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 2022-11-21
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: EQUIFAX, INC. (CA)

This is my multiple requests 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance :
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I had a check deposit of XXXX from my personal account. Wells Fargo held the check for one week three days, My balance dropped to XXXX and they charged me an overdraft fee even after calling up my bank and verifying the check. They held the amount of XXXX and then charging me an overdraft fee. I had to call them and ask them for the overdraft fee back, they agreed to give it back but did not give it back and gave back only XXXX. the fee they charged was {$35.00}
Consumer complaint received 2023-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to dispute the following account with XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( Account number : XXXX ). This has been an ongoing issue. Years back, the original creditor had confirmed that this debt does not belong to me, and removed the account from my credit report. I am not sure what happened, but later on when they sold the account, it popped back up on my credit report. I am assuming that the original creditor did not disassociate my personal information with someone that had the same name as I do, or whatever the case was. This account does not belong to me! Please see the attached document, which is a letter that I wrote to the company, as well as my Transunion credit report. It has been significantly more 30 days since I began my dispute with Transunion, and they have not updated the dispute status. It still reflects " account information disputed by customer ''. To this day, I do not see any resolution comments. Furthermore, I also have no idea why this item is reporting as an " open account '' when it is a collection! Please have XXXX remove this account immediately, and permanently.
Consumer complaint received 2017-05-04
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. (FL)

After discovering that I was a victim of Identity Theft I contacted the companies that the accounts originated from and to no avail, next I reported the incident and Identity breech to The Federal Trade Commission and then to an officer of the court in my local area as required under Federal Law. After submitting the documents via mail, I have not received any reprieve to date.
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar is not posting payments in the amount received. We are sending XXXX they are only posting XXXX. They are also not posting in a timely manner. We paid our XX/XX/XXXX payment XXXX/XXXX/16. As of the statement we received on XXXX/XXXX/16, the payment does not show how much went to Principal and interest. The online website does. Also their statements are only sent out 4 days before the duedate. See XX/XX/XXXX statement date of XXXX/XXXX/16 due XXXX/XXXX/16. We have made our XX/XX/XXXX payment on XXXX/XXXX/16 and it has yet to show on their website or the statement. It is taking sometimes up to a month to post a payment. 
They are also charging a XXXX legal fee. after much discussion and no reason as to why that was charged they finally removed the charge. This has happened every month since they bought the mortgage. 
I have tried every month since XXXX 2016 to resolve the issue with the payment amount without success,
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (WI)

Today on XX/XX/ I am currently in XXXX visiting and woke up to my vehicle missing. I called the police to make a report only to find out that my car had been repossessed. I asked for the contact information of the company that took my vehicle to find out how did they know where I was and why did they take my vehicle. I was informed by XXXX XXXX that they ran my plate ( which was done without my knowledge nor consent ) and seen that it was in repossession status reported to their system by Exeter Finance. I spoke to Exeter asking them to release the car back to me due to an illegal repossession. They have refused and they are requesting over {$7000.00} to release my vehicle back to me.
Consumer complaint received 2023-02-06
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. (MI)

In accordance with the fair credit reporting act XXXX Account : XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I have disputed this account three times with the credit bureaus XXXX, Equifax, and XXXX they said that this was verified and failed to provide proof. No valid proof was submitted. This account is well over the allotted seven year reporting time.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

I am on a mortgage loan with my ex-husband on a home that we bought when we were married. He lives in the home now and makes the mortgage payments. I am not involved financially at all. The mortgage company changed his payment from {$850.00} to {$870.00} in XX/XX/2018. Since his payments of {$850.00} a month were being debited automatically, he was not aware of the {$20.00} increase per month. By XX/XX/XXXX/XX/XX/XXXX he was about {$130.00} behind on his payments, not nearly an entire month late. The mortgage company proceeded to report both of us to the credit bureaus as 30+ days late. My score dropped nearly 100 points. I have been working for 20 years to get my credit score close to 800 and now it is ruined. I have sent a letter to the mortgage company explaining all of this and they have not responded. I need assistance with reversing the negative information on my credit report AND removing myself from the mortgage all together. The account has been brought up to date in the meantime. Thank you
Consumer complaint received 2023-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (FL)

On Tuesday, XX/XX/2022 my company vehicle was stolen from the parking lot where I regularly park my business vehicles. Soon after this incident, I was informed that full coverage was not placed on the vehicle. I have always had full coverage on all of my financed vehicles. XXXX XXXX did not contact my insurance company at any time to inform them that full coverage was not on my vehicle even though I had requested it. Lenders require all clients to maintain full coverage auto insurance to protect their investment and XXXX neglected to confirm that insurance company complied with this requirement. I also contacted my insurance company and was told that XXXX hadn't contacted them regarding the lack of coverage on the financed vehicle. 

I repeatedly contacted XXXX XXXX to come to some sort of agreement regarding the stolen vehicle and no one was willing to assist me. Several of their representatives had very ill-mannered responses to me when I called about the situation. It took weeks for someone to send me my paperwork that was requested regarding the vehicle that was stolen. 

XXXX XXXX is requesting that I pay the vehicle in full when they neglected to insure the vehicle was protected with full coverage insurance.