davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAINE & WEINER COMPANY, INC. (TX)

I have repletely asked this company to stop using threating tactics. I have already told them I never opened an account online and they are harassing my friends/family, calling non-stop at my job, leaving me voicemails in which comes thru my company email, and besides threating calls that I getting arrested and I have a court date. When asked for more the details repeating I am not the correct party they just continue to harassing me.
Consumer complaint received 2020-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The accounts listed below are reporting inaccurately on my credit report and are in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  CARD SERVICES # XXXX, XXXX DEPARTMENT STORE # 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 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CONGRESS COLLECTION CORP (MI)

Incorrect collections on my CR especially XXXX  and XXXX. 
XXXX  XXXX XXXX XXXX creditor XXXX {$240.00} Item was returned on XX/XX/XXXX. 
This was regarding a equipment device that was returned XX/XX/XXXX years ago. This collection takes it off then puts back. All other CR have removed it. I have submitted showing the date that it was sent back to company in their prepaid envelope. See enclosed documentation Congress Collection Medical bill Dr XXXX XXXX {$400.00} XXXX  that insurance paid included in preventative maintenance plan in XXXX. All other CRs have taken this off except XXXX.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out to CFPB again because you are the governing authority to monitor and ensure the credit reporting agencies are maintaining accurate information. However, I have mailed certified letters to Transunion the last six months and this information has not been corrected. 

I am asking that you comply and enforce current federal laws and make them correct this information. This is my last attempt to resolve this matter with Transunion before seeking legal action against them. 

This is also my notice of my intent to file litigation for multiple violations of the FCRA. 

I pulled my credit report from XXXX and XXXX whom both confirm that the information they are reporting is coming directly from the Transunion database. I have not seen where Transunion has experienced a recent data breach that would lead me to believe that XXXX XXXX and XXXX XXXX are being less than truthful in their recorded statements to me. 

As of XX/XX/XXXX, Transunion is still reporting XXXX, XXXX, XXXX and XXXX XXXX as variations of my legal name. I have never gone by these names and they do not belong to me. However, my spouses name is XXXX XXXX XXXX and therefore these variations should not be reported on my credit report. 

As of XX/XX/XXXX, Transunion is still reporting XXXX XXXX XXXX, XXXX, XXXX, MD, XXXX as a valid address. However, I have never resided at this address and Transunion has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/XXXX, Transunion is still reporting XXXX XXXX XXXX, XXXX XXXX, MD, XXXX as a valid address. However, I have never resided at this address and Transunion has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/XXXX, Transunion is still reporting the following open accounts. These accounts are not mine. I have sent certified validation and verification letters to each creditor and they have not been able to confirm these accounts are mine. However, Transunion continues to report them. Under federal law until an account has been properly validated and verified according to article 609, they may not be reported on a consumers credit file. Transunion needs to immediately remove the following : - XXXX XXXX XXXX  - XXXX  XXXX - XXXX/XXXX  XX/XX/XXXX - XXXX/XXXX  XX/XX/XXXX As of XX/XX/XXXX, Transunion continues to report the following invalid and unauthorized inquiries. The creditors have been unable to provide proof of such authorizations. 

- XXXX  XXXX XX/XX/XXXX - XXXX/XXXX-XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX Your assistance with this matter is appreciated. 

Thank you.
Consumer complaint received 2020-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (VA)

Source Receivables MNG is requesting payment for a XXXX account worth {$10000.00}. The collection was opened on XX/XX/2019. I disputed the charge on both XXXX and XXXX, but both didn't find identity heft. I called Source Receivables MNG and was told to fill out a fraud packet. I have never had a XXXX Account. My whole family uses XXXX.
Consumer complaint received 2020-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

On or about four months ago Midland started contacting me after they bought XXXX   account. So, as their attempt to collect on the debt, in this email to a lawyer this is a snapshot of some of the threatening tactics used by the personnel listed in said email : XXXX XXXX XXXX To : XXXX Sat, XX/XX/XXXX at XXXXXXXX XXXX  To whom it may concern : Right now as we speak, the above mentioned credit collection agency is attempting to collect on previous debt, that they have bought from XXXX XXXX  XXXX. Now, it is my understanding that under Georgia Law and the F.C.R.A I have certain rights as the debtor, it is my intention on paying some of the alleged debt, but the person I spoke with on the phone is only giving me verbal promises, and as such I am not fully confidant of XXXX XXXX ' sincerity nor her agreements for me to pay on or satisfy said account. 


I would like a free consultation on matters I can take, there has been two letters outlining what is owed but validation can still be sought, the letters state, that around the XXXX of this month debt would be considered valid, as I am in the pre- legal status what ever that means. 



Sincerely, Mr. XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Your response really infuriated me! How can you dismiss my request for assistance with my credit report as if it's insignificant? Your explanations are nonsensical, and it seems like you're disregarding my concerns altogether. 

Here is the list of the following account need to DELETE : XXXX XXXX and XXXX XXXX XXXX 

I'm not playing games here I genuinely believe I'm a victim of identity theft. I provided you with all the evidence, and you're suggesting that I made a mistake or lied? Seriously? I need you to reconsider and ensure accuracy this time. 

If you require additional information, just ask plainly. Don't hide behind convoluted language and confusing explanations. I want this resolved promptly, and I mean now. If you still refuse to listen, at the very least, honor my request and add the statement of continued dispute to my credit report, as I requested.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (MI)

Incorrect collections on my CR especially XXXXn and XXXX. 
Enhanced Recovery Company Original creditor XXXX {$240.00} Item was returned on XX/XX/XXXX. 
This was regarding a equipment device that was returned XXXX years ago. This collection takes it off then puts back. All other CR have removed it. I have submitted showing the date that it was sent back to company in their prepaid envelope. See enclosed documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} Colonoscopy that insurance paid included in preventative maintenance plan in XXXX. All other CRs have taken this off except XXXX
Consumer complaint received 2020-06-13
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I had a balance of {XXXX in my Venmo account. I sent it to a friend. Next day my account got frozen. Hers did as well. The money got returned to my account. I was told by Venmo via email that I would need to provide my ID card which I did. After they received my a picture of my ID card, the account specialist reached out to me saying that my account has been permanently deactivated and I wont be able to use Venmo services anymore. After that the balance on my Venmo disappeared. Now it says {$0.00} I messaged the Venmo account specialist again and I keep asking what happened to my balance, where did it go. He refuses to answer my question related to the balance. All he keeps saying is that he cant divulge the reasons why my account is being deactivated.
Consumer complaint received 2020-06-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EXECUTIVE FINANCIAL GROUP (CA)

I applied for loan with Executive Financial Group XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2020 and they failed to provide me a Loan Estimate within 3 days. 

I called several times and at the end on XX/XX/2020 the loan office ( XXXX ) was rudely saying " Do you wnat the loan or not? " and deflecting my question about why I had not received loan estimate when I applied with them and they ran my credit and requested all my documentation.. Please address or assist so they don't mislead consumers..
Consumer complaint received 2020-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

My servicer is United Wholesale Mortgage. I submitted a request for 180 days forbearance following requirements from SEC. 4022 of HR 748 ( aka Cares Act ) signed into law on XX/XX/2020. Under the law, the servicer must provide for forbearance up to 180 days unless REQUESTED to be shortened by borrower. I did NOT request a shorter forbearance timeframe. UWM said they are only granting 90 days in spite of the fact that that law specifically provides for 180 days. UWM is NOT following the provisions of the law as detailed. I have contact UWM 3 times and requested that they follow the law and grant me the 180 day forbearance provide by HR748. They have refused to do so with no just reason other than they are choosing to shorten the time to 90 days as a matter of process on their own choosing even though I, the borrower and not requesting them to do so. 

UWM is in direct violation of HR 748 as a servicer for federally back ( XXXX XXXX ) mortgage loans.
Consumer complaint received 2020-04-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Data Systems (NC)

I received two bills from a " Financial Data Systems, XXXX '' with two charges that have no explanation and claim that their client has tried repeatedly to collect from me, but no such communication has happened. I went through some of my voicemails and discovered that I had been getting automated ( computer programmed ) calls notifying me of debt, but no further explanation. the voicemail starts with " by staying on the line for 5 seconds you confirm that you are XXXX XXXX '' then it proceeds to count : " XXXX XXXXXXXX  '' etc. 
I googled the company and their " client '' XXXX XXXX and both have reviews with similar complaints about false debts and illegal collection methods.
Consumer complaint received 2020-04-13
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT AUTHORIZED AND WHO OBTAINED MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. THIS SITUATION IS NOW BEYOND MY CONTROL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2020-04-13
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: Progrexion Holdings, Inc. (IA)

This complaint concerns Credit.com , Inc., a company which access credit reports and provides them to consumers. 

I have tried on multiple occasions to close my account with Credit.com and revoke my authorization to access my credit report. This process has taken many hours and several weeks. I have both tried to use an automated online link to close my account, which has been fruitless ( as discussed in the attached emails and shown by the attached screenshot ), and emailed back and forth several times to try and get support to close the account to no avail. 

In doing so, I have repeatedly revoked my written instructions to close the account in accordance with the provisions of the Fair Credit Reporting Act and the Terms of Service ( in particular, Section 15, which provides that authorization is revoked by " terminating the Service '', which is governed by Section 25, which states that consumers wishing to terminate should contact under Section 17, which provides for customers to contact customer support at support.credit.com, which directs customers to email support@credit.com ) and nonetheless Credit.com has failed to act in accordance with that revoked authorization. 

This, in my view, has violated my rights under the Terms of Service and the Fair Credit Reporting Act.
Consumer complaint received 2020-04-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: FIRST PORTFOLIO SERVICING INC (CA)

I was a student at XXXX XXXX XXXX. In XXXX, Massachusetts Attorney General XXXX XXXX sued XXXX XXXX XXXX for allegedly " misleading and harassing students. 
On XX/XX/2016, XXXX XXXX ceased operations and closed all of its locations, issuing a statement that attributed the closing to the Department of Education 's actions. 

Student Loan Companies : ACTIVATE FINANCIAL  , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX General Correspondence and Submitting Documents : XXXX - XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Fax : XXXX California Residents : XXXX. XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am a natural person, I am a living human being. I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P.S.C., Inc (WA)

I received a notice of debt from PSC regarding medical services provided by XXXX XXXX XXXX. I was shocked to see a collection notice as I never received a normal bill from them prior to that. I have disputed these charges through an online service that routed to the main credit bureaus for dispute but never heard from a response from PSC. 

Finally, I sent a certified letter on XX/XX/2020 requesting a correction of their charges as the doctor only saw me for 3 minutes in a bed temporarily in the hallway as the hospital was busy during my visit and even the medical provider spent a quarter or half an hour, {$500.00} is excessive. To my surprise, their response was a statement of account. 

This is not an acceptable response from PSC or XXXX XXXX XXXX as the billing practices are excessive and abusive. If they adjust their bill accordingly or even had the decency to explain their variance, I would have been more than happy to resolve this matter. 

XXXX XXXX XXXX 's attempt to collect excessive charges over actual across state lines from my insurance carriers constitutes insurance fraud and these practices should be further investigated. 

( 1 ) Puget Sound Collections is in violation of the FDCPA 's section 807 by providing a statement of account instead of an answer to excessive billing practices as a response to a dispute.

( 2 ) Because of this, Puget Sound Collections is also in violation of the FDCPA 's section 809 subsection ( b ) for improperly attempting to validate the debt and not directly addressing the erroneous and excessive billing amount.

( 3 ) Puget Sound failed to respond within the 5 day period as stated by the FDCPA 's section 809 subsection ( a ). Please see attachments confirming the dispute letter was sent on XX/XX/2020 and their response was 36 days later on XX/XX/2020. 

The FDCPA does allow a consumer to recover up to {$1000.00} per violation
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-01-06
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2023-01-06
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$640.00} XXXX  XXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX XXXX Balance : {$4100.00}
Consumer complaint received 2020-06-13
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)

I had 4 acts with XXXX XXXX secured credit cards that were paid off after collections filed and I have receipts to prove this. Ive reached out to all 3 major credit reporting agencies and to XXXX XXXX and their collection agency XXXX And no response or one waiting for another using excuses. Ive tried for 3 months. Paid in full.