davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
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. (UT)

XXXX XXXX  XXXX is mistakenly reporting to all XXXX credit bureaus an account that isn't mine. I have requested for many years that they provide an original contract with my signature proving the account is mine, but of course they can not because it doesn't exist. So I have requested many times that they remove this bogus account but they refuse. I have also asked the XXXX credit bureaus to remove it, but they won't saying the creditor " says '' it's mine. SAYING IS NOT PROOF. They can not provide an original contract with my wet signature, thus the account it not mine. They have caused me serious financial damage by destroying my credit score with their mistake/fiasco. Please make them remove it immediately from all XXXX credit bureaus. With sincere thanks.
Consumer complaint received 2022-02-01
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. (UT)

XXXXXXXX XXXX XXXXXXXX is mistakenly reporting to all XXXX credit bureaus an account that isn't mine. I have requested for many years that they provide an original contract with my signature proving the account is mine, but of course they can not because it doesn't exist. So I have requested many times that they remove this bogus account but they refuse. I have also asked the 3 credit bureaus to remove it, but they won't saying the creditor " says '' it's mine. SAYING IS NOT PROOF. They can not provide an original contract with my wet signature, thus the account it not mine. They have caused me serious financial damage by destroying my credit score with their mistake/fiasco. Please make them remove it immediately from all 3 credit bureaus. With sincere thanks.
Consumer complaint received 2024-03-12
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. (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. 

Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NH)

This company increased my monthly payments by more than double by adding an escrow without my consent. When I reached out to them by mail on XXXX XX/XX/XXXX as to how such a mistake could have happened, they sent me a letter dated XXXX XXXX that says that they do not see a mistake an explained that they had paid a property tax bill on my behalf, again without my consent or knowledge. That letter also says that the payments I have made, which include the XXXX XXXX XXXX I have been paying since the inception of this loan in XXXX, but not the escrow add-on, are being held in " suspense, '' which I take to mean they are accepting the payments but just holding the money instead of applying it to my loan balance. The same day ( XXXX XXXX ) I received this letter, I also received another letter from them dated XXXX XXXX that threatens me with foreclosure unless I pay them a large sum of money XXXX days from that XX/XX/XXXX date. If they do not receive that payment by XXXX XXXX ( which at this point is basically impossible even if I thought it was a valid thing to do ), the letter says they " may '' commence foreclosure. 

In response to their XXXX XXXX letter, I also sent them another letter on XXXX XXXX disputing their determination that there was not an error in increasing my payments. I explained to them that the tax payments they say they made on my behalf were not correct, and provided them with documentation showing that I paid my property taxes in full and on time during the interval in question. ( This documentation was also provided to the tax collector on XXXX XXXX. ) I have not received a response to this letter yet. 

I also sent the loan servicing company another letter on XXXX XXXX to reiterate that i am disputing the amount they say I owe and asking for the contact information of the actual mortgage holder. I sent this additional letter because there seem to be XXXX XXXX  XXXX boxes involved and I wanted to be sure that both parts of this company understand that I am disputing their claims.
Consumer complaint received 2024-03-12
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. (CA)

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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc. (VA)

I took out a loan with XXXX XXXX XXXX. The company closed and I was informed that SST ( System Services Technologies , Inc ) would be taking over the account. I have this account set up on auto draft that XXXX said to keep in place and that all things would be transferred and set up. I kept all things as agreed by XXXX. In XX/XX/2019 SST continuously tried to take money out of my personal checking without my authorization. Tried calling to get a answer and they did not know but said they did receive my allotment. They then started charging my account XXXX late fee which I never signed for a loan with them and in my old contract there is not a late fee of XXXX. This fee then made my account looking like it was pass due and they are reporting me and being 30 days late. I have made extra payments and my allotment is set up for XXXX which my payment by contract with XXXX is XXXX. I have called this company every month requesting a statement of the applied payments and that to remove late fees since its not in my contract. They tell me to look online and I have told them I want a physical statement sent my house. We never received a physical statement. We paid this loan off. This company is breaking many lending laws and practice is very shady. I want the late payments removed off my credit report.
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (LA)

I applied for a mortgage with Navy federal credit union, and I was denied because of a student loan that is 50,000 dollars. I have friends and family who were approved, and they have student loans on their credit. I think because my name shows as XXXX on my application, I was denied credit.
Consumer complaint received 2015-03-19
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc. (WA)

I received a court XXXX for a XXXX bill from XXXX years ago from a debt collection agency. I called immediately to ask what it 's from and they would n't give any information and said I can pay XXXX of it to settle it but that the legal process would n't stop. I asked how much half would be and they said XXXX, but the amount of suit on the summons is listed as XXXX. I hung up and called again and was given different information. I was told I could make a payment of {$400.00} and monthly installments and it would halt the legal process. I do n't know what this debt is for or how much I actually owe and I 'm getting different information from different people. When I said I was unemployed they just sat on the phone in silence.
Consumer complaint received 2022-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I currently have 3 pending complaints against the credit reporting agencies. According to the FCRA the credit reporting agencies are in violation and the accounts are to be deleted off my credit report while the investigation is in progress. Please ensure Transunion XXXX XXXX remove the following accounts off my credit report until the investigation is complete. 

Complaint ID XXXX XXXX XXXX
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GLOBAL SOLUTION BIZ LLC. (GA)

They are trying to collect on behalf of another company. They called my office and gave them all my personal information to an employeee which is against the law. We advised to cease and desist. I asked to not call my place of employment and they continue.
Consumer complaint received 2016-08-25
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (AL)

I have sent several letters over the last month to this collection agency requiting that the validate not verify my information. As of today they have not sent me anything in writing that proves this belongs to me, that I owe what they say, and have not provided me with documentation with my signature showing that I authorized the said services or account. According to FCRA validation included everything listed above, and they have failed to provide this information. They have now violated my rights under FCRA and are subject to violations.
Consumer complaint received 2022-03-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-03-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB (NJ)

On XX/XX/2021, I uploaded a Klarna in store card for XXXX ( store location : XXXX, NJ XXXX ) to my XXXX Wallet. The store clerk rung up my clothes in the amount of {$130.00}. However, she stated that the Klarna App doesnt work in store yet, and said the transaction didnt go through. I was XXXX, nevertheless, showed the transaction went through on my end but she refused to bag my clothes. I left the clothes at the counter and walked out empty handed. I waited to see if I would receive a refund, but instead Klarna has been taking payments. I called Klarna, emailed them too. Ive been told that this would be resolved but I still havent received my money back and I have an outstanding balance on a purchase that was never made.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid 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: ARVEST BANK GROUP, INC. (OK)

I bout XXXX XXXX  online from XXXX for XXXX on the XX/XX/XXXX the funds came out of my account on XX/XX/XXXX for XXXX. I never did get the tires they were shipped XXXX tracking # XXXX they were delivered to the wrong address. I file a complaint XXXX XXXX They { XXXX } could no find my tires and has noted them as missing undelivered to me. Some one by the name of XXXX signed for the tires I dont know them and that is not my name. I called XXXX XXXX time they told me the order went out from a third party and they can not do a refund and that I would have to dispute it with my Bank. Called my bank opened a dispute on XX/XX/XXXX I was told me it could take up to XXXX days I am getting nowhere with this please help
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (IL)

On XX/XX/2022 and XX/XX/2022 I wrote to The Bureaus, Inc requesting that they validate an alleged debt they claimed is owed to them by me. In my letter I requested that they provide specific documentation of validation as pursuant 15 USC 1692g ( b ). However, they failed to address my very specific legal requests, and have continued to unlawfully report this purported debt in violation of my right to privacy and the cease and desist requests, submitted in my previous communications, as defined under the FDCPA. The instruments they provided did not validate their proof of claim as it did not include evidence of any legal instruments bearing my my signature or their lawful right to collect on this alleged debt ; nor did it contain the accounting ledger in accordance with 15 USC 44 that illustrates the amount they purchased this alleged debt for and the correct amount allegedly due. Under the FDCPA it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Their negligence and unlawful reporting of this alleged debt is causing me unwarranted stress and frustration, damaging my reputation and credit worthiness, and affecting my mode of living.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my credit report. I've also filed previous complaints that were not acknowledged.
Consumer complaint received 2022-03-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2016-11-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Cardinal Accounts, Inc. (IN)

I have a a unverified account fromI CARDINAL ACCOUNTS INC. I had previously disputed this account. I have never done business with CARDINAL ACCOUNTS INC. Pursuant to the Fair DebtXXXX Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CARDINAL ACCOUNTS INC. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2022-03-17
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. (TX)

XXXX 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-03-17
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. (TX)

XXXX 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-03-17
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. (VA)

Account # XXXX XXXX XXXX XXXX reporting a past due balance and late payments on my credit report after they have sold it to XXXX XXXX XXXX XXXX collection agency ). It is against violations to continue to report a past due balance on a charge-off debt and sold to a collection agency. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information