davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (NY)

Good afternoon, I noticed that my personal information was sold to a third party company in order to collect a debt that I wasnt even aware of. Therefore your company violated my personal rights such as, Law 15 U.S. Code 1681s ( stats ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Etc.

15 U.S.C. 1692d ( stats ) A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

Etc
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A, 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (IL)

This company that Ive never ever heard of called Radius Global is constantly and repeatedly calling me at all hours of the day and night as early as XXXX and as late as pass XXXX harassing me Ive never done any type of business or work for this company the calls are ridiculous its 5 at a time back to back for the last few days I WANT IT TO STOP
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just reviews my credit report and want to make sure everything is reporting 100 % accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

XXXX : XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXXXXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX  XXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 

XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (GA)

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 2018-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (PA)

Contract Callers Inc has called my home phone every single day looking for a XXXX XXXX. I have told them twice now I have no known knowledge of this person and asked them to remove my number and they have not. They call my home phone every single day.
Consumer complaint received 2022-12-06
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: Experian Information Solutions 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 Account XXXX XXXX XXXX Account name : XXXX Account number : XXXX Account Name : XXXX XXXX Account Numebr XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX  XXXX Account Number XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX and XXXX Account Number : XXXX 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 XXXX 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 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (NC)

I recently checked my credit report and saw that GLOBAL LENDING SERVICE ( located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) ran my credit and that inquiry caused my credit score to XXXX. I am now concerned that my identity has been stolen.
Consumer complaint received 2023-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I have received 2 notifications for a shortage in my escrow account. I asked the company how much the shortage was, and sent in the shortage amount stated. They then raised my payment amount anyway. 2 months later, I received another statement stating my escrow account was short again, and that they were going to again raise the payment to accommodate the shortage. I called to inquire why the 2nd shortage came up only 2 months after the original notice for the escrow shortage. I was told that they had to do 2 different evaluations on my home due to a new California directive. I again asked how much it would take to pay the shortage so my payment would stay at the original amount I had financed. They again told me that it would go up to cover any future shortages. I then filed a complaint through HUD and the loan company finally said my payment would go back to the original payment, but not until XXXX XXXX, 2023. I investigated the reasoning for the shortage and found out that it was due to an increase in my homeowners insurance. I switched insurance and had the payment lowered quite significantly, and told the lender I wanted to see the difference on my new payment amount. 

Since then, I have received another 2 notices now saying that when I switched to the new homeowners insurance there was a lapse of 1 day from the old policy to the new policy. I told them that the existing canceled at XXXX am on XX/XX/2023, and the new insurance started at XXXX am on XX/XX/2023 which meant that there was no lapse in the coverage. However, they insist that this is not true and that they were going to charge me the 1 day difference, and put it into a new payment including interest, late fees, taxes, etc. unless I paid the difference. That is why I'm filing this complaint as I am really upset with all these unbelievable charges they are trying to put on this loan.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute a collection item that appears on my credit report from XXXX XXXX XXXX XXXX. I have reviewed the details of this item and found several discrepancies that need to be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

The discrepancies are as follows : Account Number Discrepancy : The account number listed on TransUnion is XXXX, while on XXXX it is XXXX. This inconsistency may indicate a reporting error. 

Original Lender Name Discrepancy : The original lender 's name is listed as XXXX XXXX XXXX XXXX XXXX TransUnion and XXXX XXXX XXXX on XXXX. 

Collection Agency Name Discrepancy : The agency name is listed as XXXX XXXX on TransUnion and XXXX XXXX XXXX on XXXX. 

Absence of XXXX on XXXX : There is a considerable amount of information missing on XXXX, including account number, original lender, agency name, and balances. 

Current Balance Discrepancy : The current balance is only reported on XXXX as {$12000.00} and not on TransUnion or XXXX. 

Different Status Listings : The status listed on TransUnion is Unrated or bankruptcy while on XXXX it is Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department. 

I am requesting that you conduct a thorough investigation into these discrepancies and correct or remove the inaccurate information from my credit report. 

I look forward to your prompt attention to this matter. Please update me on the status of this dispute within 30 days as required by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX.
Consumer complaint received 2023-01-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: DriveTime (NV)

I walked in drive time XXXX XXXX in the afternoon around XXXX XXXX XXXX to the desk as if they participated in through the lending and right after back the lady told me that it was some sort of XXXX XXXX trend I informed her that it's not a XXXX  training is it in fact an act at all dealerships follow she then told me the other way to do this transaction was to put it down payment down I informed to her that day Banks do the obligations according to 12 years c is to borrow because Banks do not have money they have debt and negotiable instruments that have no power unless too contracting parties agree I told her that I would like to extend my credit but the consumer credit transaction and purchase the vehicle she continued to mock and demean my character willingly and knowingly I left after finally getting her to get on the phone with her finance department who told her to contact her general manager she is the assistant general manager however she identified as the general manager so when I asked her if there's anyone I can speak to above her she said no then proceeded to call her general manager in which I'm still waiting on a call back I don't think I'm going to get
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (MO)

To Whom It May Concern : This letter is in response to your computer-generated letter dated XX/XX/2023. Your letter states that you have decided to cease the investigation of the incorrect items I have reported to you because in your opinion I am the client of a third-party credit repair agency. 
You were advised by me on my letter dated XX/XX/2023 ( copy enclosed ) to investigate a few things that I believe are inaccurate. That request was written by me and mailed by me-not a third party agency. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. And FYI, I did some research on the matter and found that there is no law forbidding a consumer from using a credit repair agency, which makes your response even more absurd! 
As a matter of fact, Congress has found the process so overwhelming that they specifically afford consumers the right to use a third party agency on their behalf if they so choose. Congress also reserves my right to sue a credit bureau for violations of the FCRA.

I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and you are now stalling the process further. I realize disputes may be expensive and therefore it is your job to stall them but you do so at great risk. 
Please take notice that this letter dated XX/XX/2023 is a formal notice to you that I am requesting for you continue moving forward with my XXXX dispute investigation request. 
Send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not XXXX more. 
I am outraged at your accusation and I have fully researched my rights in regard to my credit file. I look forward to your expediting my XXXX dispute request immediately. 
Enclosed is a list of accounts that you claimed were verified. Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX  XXXX XXXX account number XXXX XXXX XXXX XXXX/ with account number XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX  XXXX with account number XXXX XXXX XXXX XXXX with account XXXX XXXX Best Regards,
Consumer complaint received 2024-04-02
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. (OH)

This is a company seeking money from me, we never agreed in no such contract there are sharing my personal information on different platforms without consent. I told the company that I will conditionally expect your offer upon proof of claim that if you can provide the original charging instrument for this account. Pursuant to the Uniform Commercial Code you must be holder and due course of the original charging instrument otherwise you may not make the presentment. If you you provide the original charging instrument I will gladly pay the said amount also I conditionally expect your offer upon proof of claim if you provide the XXXX OID that shows who the recipient of said funds. If this company can not provide this information its identity theft and must be removed off my credit report immediately and the cost of the violation XXXX XXXX dollars per penalty
Consumer complaint received 2023-09-05
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. (IL)

Please know the information on my credit report is not correct. I've listed inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard by the institutions responsible for reporting accurate, complete, and permissible information I am seeking help from a higher source. Remove urgently.
Consumer complaint received 2021-03-19
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. (CA)

There are many student loans and an acct on my credit report that Do not belong to me I have not applied for these I have not signed for these or applied for these!!!! I have sent multiple letters to bureaus and furnishers but have not received anything back. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2023-09-29
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NY)

Someone tried to open an XXXX card in my name. It was not me and now the inquiry is on my credit and is damaging to my credit. Please help me by removing this fraudulent inquiry. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: EQUIFAX, INC. (PA)

My name is 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 2023-04-18
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. (TN)

I noticed on my credit report that I had a collections account with XXXX. I already paid a balance of {$390.00} with XXXX prior to closing my account with them, bringing my account balance to {$0.00} which I then immediately closed the account directly after. 30 days later, I noticed a collections account of {$390.00} on my credit report. This account is NOT mine and is being falsely reported on my consumer report. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!