davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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: 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. 

ADD ACCOUNT NAME, ACCOUNT NUMBER AND THE LAWS EXAMPLE : 1. XXXX XXXX XXXX- Account NumberXXXX, has violated my rights. 
2. XXXX XXXX XXXX  - Account Number:XXXX, has violated my rights. 
3. XXXX XXXXAccount NumberXXXX, has violated my rights. 
4. XXXX XXXX XXXXAccount NumberXXXX, has violated my rights. 
5. XXXX XXXX XXXX XXXX-Account Number : XXXX, has violated my rights. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate 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 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. 

Please delete these accounts off my credit report IMMEDIATELY and update of late payments to a positve status.
Consumer complaint received 2022-09-12
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. (TN)

FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT I HAVE NO KNOWLEDGE OF NEITHER HAVE I BENEFITED FROM ANY OF THESE FRAUDULENT ACCOUNTS OR INQUIRIES
Consumer complaint received 2019-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

I sent a certified letter on each attempt dated XX/XX/18, XX/XX/18 and XX/XX/18 to Ad Astra Recovery Group for Validation of the alleged debt that they claim I owe to their company and that is appearing on my credit report. I did not open this account reported on my credit file. I don't Know who this company is. I specifically asked for a signed agreement and other supporting documentation that states that I signed an agreement to Ad Astra Recovery Services. The  request was not adhered to. Ad Astra Recovery Services continued to report to the credit bureau for the alleged debt. I never received a billing statement from this company. I don't even know who they are. Ad Astra Recovery Services have reported the information to the credit bureaus as verified and I am asking that it be deleted the account was never validated. The account does not belong to me.
Consumer complaint received 2024-03-15
Product: Credit reporting 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 one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  XXXX ; Inquiry : XXXX XXXX Inquiry XXXX XX/XX/2023 XXXX
Consumer complaint received 2018-12-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (MI)

I have been trying to call and pay Ally Financial, they are giving me an hard time. 
They want me to give them an address I no longer know, they want the vin number I no longer have the car. They keep hang up on me telling me there is nothing they can do. 
I'm trying to make settlement or lower payments
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: American Profit Recovery, Inc., Marlborough, MA Branch (AR)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-02-28
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. (CA)

XXXX XXXX account # XXXX This account is a charge off and I settled with a small payment to delete account after payment. The payment was received however it was never deleted/removed from my account. Also the credit bureaus is still reporting delinquency which is more seven years.
Consumer complaint received 2019-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WLCC (CA)

ON XX/XX/2018 I received an email from my HR of a voluntary wage garnishment from XXXX XXXX- I have no loans or ever had business with this company. I have had identity theft in the past and have filled police reports and FTC affidavits proving my case. 


In the wage assessment sent to my employer, they claim I signed a contract online and that's all they needed to collect on this debt. 

The demand letter was sent by XXXX XXXX who is not licensed in the state of Washington.
Consumer complaint received 2019-01-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

I have called Freedom Mortgage several times on XX/XX/XXXX and XX/XX/2019 as well as today. I have asked them several times about my yearly escrow analysis which is done the first week of XX/XX/XXXX every year. The representative today said she does not see where they have started on my escrow analysis and that my mortgage payment will still be the same next month. I told her " that would not be fare because I have already did my own calculation of my yearly escrow analysis and my payment will go down as well as they would owe me a escrow refund check. She stated that, since she does not see where they have started on it all she can do is put in a request.
Consumer complaint received 2019-08-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Lending Services Inc. (CA)

CREDITOR XXXX XXXX XXXX # XXXX start date XX/XX/XXXX balance XXXX. 
orginal creditor : credit lending services start date XX/XX/XXXX orginal blance XXXX, acount removed XX/XX/XXXX DISPUTE i was never informed properly that my orginal creditor the dealership XXXX XXXX XXXX XXXX   sold my account, nor was it told to the insurance company or to the dmv. 
it was a fraudulent overturn of the account from the dealer to the 1st creditor then to the creditor inquesition. 

COMMENTS i have included 2 links of a claim from my insurance on the car that was a dated from XX/XX/XXXX for the amount of XXXX check number XXXX in to pay to the order of it clearly states XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. 
Also my sales contract states that XXXX XXXX XXXX XXXX is the financer. 
Not Credit lending services Please copy and paste : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Now in XX/XX/XXXX I had provided XXXX  with the claim above and they deleted the account off my record so XXXX went forth and decided to add it to my other reports and it hurt my scores hard XXXX   removed it but it didn't go back up except by 1 point and XXXX hasn't even gotten back to me as of now in any way. 

They have officially ruined my scores. 

Thank you and have a great day
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Today XX/XX/year> two new accounts appeared on my consumer report that I do not recognize and Im not liable for. There was previously a fraud alert active on my account from previous identity theft. No account should be open under my good name. Please remove fraudulent accounts by XXXX. Place fraud alert on my account if one does not exist already. Thank you for your time in this matter is of extreme attention to me.
Consumer complaint received 2023-02-28
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. (MA)

In accordance with the Fair Credit Reporting act, 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.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Dear sir or madam, I recently did an investigation of my credit report and found 1 incorrect item on my credit report. 

The account XXXX XXXX last reported on XX/XX/XXXX does not belong to me. This account was opened fraudulently and was not authorized by me. I have not done any business with XXXX XXXX XXXX 

I have contacted XXXX XXXX  on multiple occasions to report the fraud and have asked for them to stop contacting me regarding this account as it does not belong to me. The harassing calls all day/night never stopped and now this account is appearing on my credit report. 

I contacted them on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

I have never done business with XXXX XXXX  AND DID NOT OPEN UP THIS ACCOUNT WITH THEM. I would very much like to ensure my credit report is accurate .Please update me with a full report on your findings. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-02-28
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. (LA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute two items on my credit report : a charge off account from XXXX XXXX with the account number XXXX and a charge off account from XXXX with the account number XXXX. 

Upon reviewing my credit report, I found that these accounts were reported inaccurately. I do not believe that I owe the reported amounts, and I have not been provided with any documentation supporting the reported debts. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and to receive an investigation of the disputed information. Additionally, the FCRA requires that information on my credit report be accurate, complete, and verifiable. 

I am requesting that these accounts be investigated and verified by the credit reporting agencies. If the accounts can not be verified, I request that they be removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-12
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)

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 these accounts. I have no knowledge of these and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent are fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WA)

XXXX XXXX 's student XXXX XXXX Washington XXXX XXXX College XXXX Instructor : XXXX XXXX Graduation completed Honor Roll G.P.A. XXXX XXXX No proof of deferment of Stafford loan through financial institutions Sallie Mae No proof of certification is available for transcripts of educational data or credits XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you kindly review the paperwork? Several of the enumerated accounts contain inaccuracies, causing me discomfort.
Consumer complaint received 2022-12-13
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$540.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

M & T bank issued me a letter on XX/XX/XXXX specifying that my hazardous insurance has expired and that the bank plan to buy. Also, the bank ask that I should provide insurance evidence as soon as possible and fax or mail to the bank. 
So I called bank, roughly on XX/XX/XXXX, asking how many days that I have to buy the insurance ; bank rep. answered that I have 45 days before bank forcefully buys for me. 
I called insurance agent and purchased the insurance on XX/XX/XXXX ( within 45 days of bank notice ). The insurance I purchased covers from XX/XX/XXXX - XX/XX/XXXX. 
On XX/XX/XXXX M & T bank issued second letter that I need to provide evidence of insurance for the period of XX/XX/XXXX thru XX/XX/XXXX else they will charge me {$1300.00}. 
I called the bank and mentioned that I did not receive any notification about my insurance was going to expire on XX/XX/XXXX. The rep. also acknowledged that she does not see any notification issued to me from M & T prior to XX/XX/XXXX about getting insurance renewed. The only notification she sees about hazard insurance expiration from the bank was issued on XX/XX/XXXX. 
I followed bank instructions and did the due diligence to purchase the insurance for one year and provided evidence to them. The bank DID NOT state any timeframe or dates on the " first letter '' that I need to purchase or cover the insurance for. The bank DID NOT issue insurance expiration notification prior to XX/XX/XXXX. So after I acted on the bank instructions to purchase the insurance and provided the evidence, the bank now wrote specifying to show evidence of past dates coverage ( XX/XX/XXXX thru XX/XX/XXXX ) on the " second letter ''. 
To cap : bank did not issue any notification of insurance expiration prior to XX/XX/XXXX. The bank did not specify any date on their 'first notification letter that I get coverage ( XXXX ) on XX/XX/XXXX. After I purchased the insurance, the bank now releasing the dates. Their communication to me was vague or not clear. 
I respect our financial institutions but in my situation M & T did not provide notification early on insurance expiry, did not communicate clearly on its notifications that I get insurance for specific dates. We, the consumer rely, on our institutions for clear guidance to act fairly and in timely manner. 
I should not be charged for the period XXXX thru XX/XX/XXXX for the insurance. This is my issue and dispute with M & T bank.
Consumer complaint received 2023-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

To Whom It May Concern : This letter is being sent to you in response to a credit item that is listed on my XXXX XXXX consumer disclosure sent to me on XX/XX/2023. This notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), and debt validation is requested. See Attachment This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have every had any student loans serviced by your company.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, legal action has or will be brought against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal option. Any listing of any information to a credit reporting repository that could be inaccurate or invalidated should be immediately removed. If your office fails to respond to this debt validation request, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX Student Loan # XXXX
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

I made payment to an electrical contractor on XX/XX/XXXX for a service scheduled for XX/XX/XXXX. The payment was through a credit card with CitiBank. I cancelled the service on XX/XX/XXXX, because I was concerned about some bad reviews on the contractor 's XXXX XXXX. I never received any service from the contractor so I was expecting my refund which was never sent to me. To get my money back, I filed a dispute to Citi on XX/XX/XXXX regarding this transaction. I explained to CitiBank that I never received any service and the merchant was a fraud, and I provided details of this transaction including the date I made payment and when I cancelled it. It took CitiBank almost 2 months for the investigation, and on XX/XX/XXXX CitiBank got back to me saying that the merchant did not want to issue refund so Citi was unable to reverse the transaction. Till this time, other than the letter from Citi say " we are unable to reverse the transaction because the merchant is unwilling to '', I have not received any materials or documents that demonstrate that Citi did conduct the investigation. From all my communications with Citi, it gives me a feeling that Citi is reluctant when it come to investigating a dispute, and that Citi is sided with the fraud merchant. I don't know how Citi credit card customers are protected against fraud activities.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (WA)

My credit card company ( ASPIRE ) has not returned my negative balance credit for over three months. They claim I requested it on XX/XX/XXXX but that is false. I have called multiple times and was told it was going to be mailed. I called and confirmed I have had a negative balance since XX/XX/XXXX. I don't know what to do.
Consumer complaint received 2023-05-25
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$6000.00}