davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-20
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: EQUIFAX, INC. (TX)

I have sent XXXX  several disputes to get inaccurate items off my credit in which they fail to correct errors and never return my green return receipt showing they received my letter certified mail XXXX  shares my information with out my written consent they also never received my written consent to report anything about me which is illegal and identity theft every dispute I send in if they acknowledge it is always verified which is not accurate cause laws states that the consumer is the only person who can verify a debt so how is XXXX XXXX or these alleged creditor able to verify alleged debts for Me when 15 u.s.c 1681 clearly say that the reporting agency are supposed to to confirm everything with me the consumer before reporting it but this company breaks the law cause of the money they receive from these alleged creditor who pays them to keep control of the consumer 1681a ( 2 ) ( b ) state that no comsumer credit transaction made with my credit which is my social security card should be a private transaction but yet in still Transunion reports this information then tell me lies or give me false information on why they can't delete meaning they fell they are above the law cause they want to keep receiving money for illegal activities which has cause me personal financial injuries
Consumer complaint received 2021-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

On numerous occasions the AARGON AGENCY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX United States, used tactics that violates my rights under the The Fair Credit Reporting Act, 15 U.S.C. 1681, by manipulating the dates of the opening of the account to act as if the debt is new or currently missing agreed payments, theyre double reporting a increase of negative balance owed, in a attempt to damage my credit, when they check it and see its improving, theyre adding on interest and them removing the interest to negatively affect my score, theyre using these tactics to force me to respond to a debt that I dont owe. Its financially hurting me and its not right. Theyre proving that they dont respect the laws in which the promised to follow when they decided to become a debt collection agency. Theyre misusing the power they have to get the outcome that makes them the most money or damages my credit the most. I do not own the debt. I Dont know how the debt was started in my name. I spoke with XXXX at XXXX XXXX on a recorded line, he stated, where he agreed to dispute the debt and remove the inaccuracy from my credit report and its still on my credit reports damaging my credit.
Consumer complaint received 2021-03-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TD BANK US HOLDING COMPANY (TX)

I got served with documents threatening to take me to a court or file a judgement against me I have sent letters on XX/XX/XXXX asking for the company to verify that this is my debt and they failed to do so on XX/XX/XXXX they served me with a letter threatening to sue me however have not been able to verify if this is my debt. i never applied for this card nor do they have any type of signature just an e signature I have attached my dl and I authorize the letters I sent on XX/XX/XXXX target card need to be removed as well as the other unauthorized items listed on my report
Consumer complaint received 2021-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (MI)

Up until recently I was in the covid forbearance program. I requested my servicer, United Wholesale Mortgage ( UWM ), to evaluate me for the streamlined flex modification since I can not afford my pre-covid monthly payment due to reduction in income. The flex modification is one of the option available for those impacted by covid-19 as per my investor, XXXX XXXX, guidelines. I have been very clear in all my communication with UWM that I need the loan modification and NOT the deferment. UWM assured me the modification is available and that they have begun the process. 

In my first attempt at getting approved for the loan mod, UWM insisted that I needed to fill out a borrowers response package ( BRP ). I informed that according to the covid-19 hardship reference guide provided by XXXX XXXX this should be a streamline process which does not requires a BRP to be accepted ( XXXX XXXX XXXX ). They agreed and said they will get started on it. 
Then on XX/XX/XXXX I get an email stating that they have entered me into the deferment program claiming that I requested it. 

I have had several conversations with UWM since they accepted me into the wrong program and each time they say they will resolve the situation. Then when I follow up, I find that the previous employee didnt do what they said and that the deferment is still going through. 

At this point, I have been lied to, hung up on by employees, and said I would be getting calls from managers with no follow through. These past few months have been absolutely frustrating and dreadful working with UWM. They have provided no single point of contact to help resolve this ongoing problem. I dont know what else to do at this point besides file a complaint.
Consumer complaint received 2021-03-21
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. (GA)

I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the XXXX  Data Breach.
Consumer complaint received 2021-03-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I unknowingly purchased a vehicle from dealership that had not been inspected and would not pass inspection. Following a lengthy amount of time i retuned vehicle due to the numerous potentially dangerous safety issues. The dealership then sold same vehicle on their lot for more than I owed for payoff. The dealer then filed with courts and i was unable to attend hearing they had scheduled. Giving courts false information the dealer i purchased auto from got a {$3000.00} judgement. Then the dealer turned judgement into installment loan which the court informed me was not legal. i spoke with dealership and they would not give me any of paperwork I requested which also is against the law ( to my knowledge ). The Transunion credit bureau has been reporting negatively on my credit report stating I owe {$9000.00} for numerous years. I have been unable to get response from dealership ( XXXX XXXX ) and am very frustrated that they are allowed to report fraudulent information and continue to cause damage to my credit score. 
XXXX XXXX located XXXX XXXX XXXX Utah has committed and have continued to commit illegal and fraudulent acts against myself along with 2 other persons i am aware of.
Consumer complaint received 2022-01-03
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (MI)

Follow up to the previous complaint. I am still on the phone with American Express and Im hyperventilating and shaking because of the harm and distress that they continue to cause me. The refuse to investigate my claims of identity theft. I opted out of phone, Mail, and email communications from them in regards to ANY DEBT. And instructed them to contact me through the consumer financial protection bureau at which they refused and sent me another email advertisement against me request.
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (CA)

I had two loans with NetCredit. The first I paid off almost immediately with on-time payments. They do not report that loan on my credit report. The second I defaulted on within the first year ( the interest was 84 % a year ), but they claimed that I was still making ACH payments on the loan long after it had defaulted. I made the principle in payments before I could not keep up with the excessive payment schedule. This was in XXXX. 

I have contacted them several times and to no avail. I submitted a dispute through XXXX or XXXX, and instead of updating my loan as paid off, they changed it to only 50 % on-time payments. Additionally, they sold that loan to a debt firm but continue to report it as though they own the loan. 

So reported incorrectly, inaccurately. 

First loan was {$2600.00}, account ID XXXX, funded XX/XX/XXXX. Paid off XX/XX/XXXX. 

Second loan was {$7200.00}, account ID XXXX, funded XX/XX/XXXX. On XX/XX/XXXX I cancelled the ACH auto deduction they were doing to my account. On XX/XX/XXXX they started charging my bank account again at a reduced amount but then accelerated payment, after 8 months of contacting them repeatedly about the balance. On XX/XX/XXXX they sold the account to another company. They continue to report it as a late payment.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-03-20
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: FirstPoint Collection Resources (NJ)

Several certified and notarized letters with proof of disputes were sent to Firstpoint Collection Resources and to XXXX. Every time the investigation was done it remains even with proof sent that it does not belong to me. The original contract from the health provider that has someone else 's name and no signature.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Leaders Financial Company (NJ)

Due to XXXX XXXX and health problems I contacted loan company about vehicle they agreed and were happy to take van back which they sold for {$1000.00} dollars more than I owed. After the sale they added a {$40.00} charge to my credit account and refuse to let me pay it they intentionally are hurting me its a crime. They continue to report a charge off every month 4 years later refusing to let them give them {$40.00}
Consumer complaint received 2023-02-20
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. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2021-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Medical Administrators, Inc (CA)

In about the end of XXXX or early XXXX, I ordered a Dietary supplement, XXXX, and the online system pushed for addition supplement, XXXX XXXX XXXX, to complete the order. A couple weeks later, the products arrived. If you recall the mail delivery system was very slow before the election. There is no detail instruction along with the shipping. I called and talked to a lady with a XXXX XXXX accent, she said that I can try and have to cancel in 14 days, by XX/XX/XXXX if I'm not satisfied with the product. XX/XX/XXXX I kept that date in mind. 

On XX/XX/XXXX, the company, XXXX XXXX posted a new charge on my account for {$110.00}. I called and talked to their repXXXX on XX/XX/XXXX, I told the gentleman that I'm not satisfied with the products and wish to cancel. He agreed that the dateline is on XX/XX/XXXX and cancelled the subscription, he emailed to me to confirm ( he also tried to persuade me to keep the products by offering a deep discount of 40 % and 60 %, I'm not certain that he offered 80 % also ). { On their cancellation email stated that the order date is XX/XX/XXXX, I can email you the 2 emails separately to confirm this fact }. With further discussion, he said that I don't have to return the remaining product. The products are still sitting on my shelf at home. If he insist that I have to return in 30 days, I would have. Please take note that their rep. sent me a cancellation email. 

Now the company have XXXX XXXX XXXX, a debt collector, try to collect {$150.00} from me. She, XXXX - collector, saying that I passed the cancellation date line of XX/XX/XXXX XXXX ( I believe that is the day I received the products ) = trap # 1. I told her that I called and received the extension to XX/XX/XXXX, she didn't acknowledge that. she said that I didn't return the product within 30 days = trap # 2. The gentleman whom I spoke to when processing the cancellation said that I don't have to return the products at the end of our conversation. they have a tape recording of that, they taped everything. have them show you the recording. 

Additional products had never arrived since it had been cancelled. She threatened that the only way is to pay them. I need your help. I tried to complied with all their rules. I shouldn't be penalized after followed their instructions. 

Sincerely submitted, XXXX XXXX XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

I am no longer an authorized user for this account and I am asking to have account removed from credit reports. XXXX XXXX. I have sent in numerous complaints along with attached documents that I am no longer an authorized user and account is closed however XXXX remains on credit report.
Consumer complaint received 2022-10-31
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( XXXX ) ( XXXX ) ( C ) Authority to decline or rescind. 

XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX  XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$15000.00}
Consumer complaint received 2021-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have been disputing information with the credit bureaus but nothing has changed ; there is an account by the name of PORTFOLIO XXXX XXXX that is reporting to my credit that reports as a Factoring Company. I have no idea who they are, or why they are reporting to my credit, I have filed disputes against the company with the credit bureaus but nothing has been removed. All that it states that the item was disputed and that the issues have been resolved but I disagree and I have been going back a forth about this issue to no avail.
Consumer complaint received 2021-03-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MO)

Date : XX/XX/2021. Debt collection letter from Southwest Credit. 
About : XXXX auto insurance membership fee, amount : {$57.00}. 
I switched my auto insurance last year, and stopped paying XXXX auto insurance membership, since I got auto insurance policy and services covered by another auto insurance provider. I did not need XXXX auto insurance membership anymore once I switched to another insurance provider. 
But I still got debt collection notice from Southwest Credit Systems LP, stating that I owed AAA {$57.00} membership fee. 
It is total ridiculous! How can a prepaid insurance membership fee need to be collected since I even do not need to have its membership? Why XXXX sold such a kind nonsense to a debt collector? I was really upset by such a harassment.