davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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. (MD)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-12
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. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX || Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX XXXX || Account # : XXXX XXXX XXXX || Account # : XXXX
Consumer complaint received 2023-01-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (VA)

1 ) Had called XXXX XXXX if they take our insurance they said yes 2 ) After service they said they didn't send us bill over {$1000.00} 3 ) Called XXXX XXXX to resolve this they refused to call insurance company 4 ) Called insurance company, they were ready to work with us, but XXXX XXXX was not 5 ) After few days they send to collection agency Radius Global Solution LLC 6 ) We called insurance company again and they said XXXX XXXX  need to resubmit and they will work with them XXXX ) End of XXXX ( XX/XX/XXXX ) Dated we received invoice of {$280.00} from XXXX XXXX XXXX ) A check date XX/XX/XXXX was mailed to XXXX XXXX  as per statement, so this should be cleared off XXXX ) now Still I am getting bill of {$70.00}. Today, called Radius Global Solution LLC per them I need to call XXXX XXXX, both parties are playing, XXXX ) I am attaching Detail copy shows XXXX balance on XX/XX/XXXX and then someone charged collection fees of {$70.00} not sure why I have pay collection charges after paying what invoice was send for {$280.00} and was paid. 
XXXX ) this clear volitation and in past they had send my Daughters information to me too this is violation of HIPAA!
Consumer complaint received 2023-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

THE COMPANY RESURGENT RECEIVABLES LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT MINE. MY NAME IS XXXX XXXX the 3rd. 15 USC 1692 ( A ) ( 1 ) The term " XXXX '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/1933, XXXX enacted XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. this resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy, and.. Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 
15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Consumer complaint received 2022-12-01
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. (TX)

I am interested in disputing all incorrect information on my credit report with transunion to help my file. a lot of information is invalid an is hendering my file. please correct my credit report to 100 % accurate.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 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 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (TX)

BRCLYSBANKDE : Has reported my debt twice that i owe them and this is not true this is illegal they have called me several times and send me letters to pay them. I do not owe them twice and are also reporting incorrect balances. I called XXXX who is the other creditor reporting i owe them when its the same debt as BRCLYSBANKDE but with a different amount. 

When i called XXXX they told me the debt is with a lawyer and the lawyers did not want to help my case but just wanted me to pay. I need help to see what is going on here, i feel like i am being violated by my consumer rights.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 is fraud.
Consumer complaint received 2023-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HANCOCK WHITNEY BANK (AL)

On XX/XX/2023, I contacted Hancock Whitney Bank regarding my title for my vehicle. I hadn't received the title and it has been close to 2 months since the payoff. After contacting them, I was told there was a balance owed of {$5.00}. I told the lady I hadn't received a bill for this amount. She stated that a bill hadn't been sent since XXXX. I was unaware the bill hadn't been paid off. My credit history is excellent. I then contacted my daughter, who is a banker. She told me to call them back while she was on the phone because 30 days past due could be showing on my and my husband 's credit report. I called back with my daughter on the phone. She only mentioned that a negative mark could hit my credit. The rep then said it would violate privacy and I needed to go through a series of questions. I failed the series of questions and am totally unaware of some of the phone numbers they were mentioning. We called again and still the same process and I failed again. I do not feel it's fair that my credit be negatively impacted because I never received a bill after the bill I thought should have paid off the loan.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

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 2023-03-09
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (VA)

In accordance fair crediting reporting act, this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy. 15USC1681, section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC166B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company was not authorized to pull my credit report on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

This company was not authorized to pull my credit report on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

An accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX and # 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 ( b ) section 604 section 2 a consumer reporting agency can not furnish a report without my written consent. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-02-11
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. (OH)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - XXXX XXXX - Acct # XXXX XXXX  - Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX  - Acct XXXX XXXX XXXX - Acct # XXXXXXXX XXXX  - Acct # XXXX XXXX- Acct # XXXX XXXX Card - Acct # XXXX XXXX/XXXX  - Acct # XXXX XXXX  XXXX  - Acct # XXXX First XXXX - Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX Bankruptcy - XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2018-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

XXXX XXXX XX/XX/18 Loan # XXXX XXXX XXXX XXXX XXXX Ca XXXX I would like to file a complaint on my mortgage Servicer FayServicing after being over two months delinquent on my mortgage loan I contacted my mortgage company Fay Servicing and spoke to my account manager XXXX XXXX, i explained my hardship situation to her, she told me the fact that I already had two modifications in 15 years I will not be eligible for any loss mitigation options, she stated the Deed-in-Lieu of foreclosure is more likely my only option, I refuse that option and ask her for a Loss Mitigation Application, after completing and return the mitigation application, I make it my duty to call my mortgage service Fay Servicing every few days speaking to different representatives asking for updates on the decision letter of my Application, as in when was it mailed, how long does it take, knowing time is of the essence, I finally receive the decision letter on XX/XX/18 I decided to appeal the Deed-in-Lieu offer, I imedeatley contacted Fay Servicing explaining the decision letter dated XX/XX/2018 and I just received it XX/XX/18 the representative advised me to still go ahead and email my appeal to my account manager XXXX XXXX at XXXX she also provide me with the appeal department email XXXX I emediatley send my appeal to both XXXX XXXX & appeals department, I also include in my appeal the date I received the letter, I called my account manager on that following Monday for an update on my appeal, she told me the fact that I received the letter after the fourteen days window my appeal will not be considered, I was upset telling her thats not fair treatment, if they didnt send the letter in a timely manner I shouldnt be denied to an appeal, I ask to speak to her supervisor XXXX who didnt provide me with a last name explaining the situation and asking her to investigate all my recorded calls regarding the decision letter, she was not helpful at all she told me its no need to appeal because the decision will be the same, I told her I dont care just dont take away my opinion to appeal, at the end of our conversation she told me she will investigate and let me know what she can do, Im not comfortable after our conversation, I dont believe its in her interest to investigate the situation for me to appeal. 
My mortgage server is FayServicing Contact # XXXX My account manager is  XXXX XXXX her contact # XXXX
Consumer complaint received 2023-03-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; XXXX. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. XXXX. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within XXXX business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Consumer complaint received 2023-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OK)

I can not get ahold of anyone at MOHELA. Calls placed are never picked up, but will be placed on hold for extended periods of time ; in my experience, up to two hours. I have called MOHELA repeatedly and never been able to speak with anyone. They are responsible for serving all Federal loans and I can not get through to speak to anyone who works there regardless of when I try. They excluded a PSLF-eligible employer from my student loan payments and I can not get more information on how to rectify. All I can do is log into their website ; I have no means to get this issue resolved or to even begin asking questions. I have no recourse and MOHELA is actively working against me as a customer.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

On XX/XX/XXXX I made to purchases one for XXXX and another for 3 pairs of shoes. Mind you I didnt know I wasnt going to receive them. I emailed them multiple times and did not get a response back. Now I have called chime multiple times on why this is taking so long 4 months should not take that long. Its been past 30 days. I spoke to a supervisor and she rudely hung up on me. All in all I just want my money back for stuff I didnt receive. I have never had this problem before now I am if I have to further this I will get a lawyer its my money. I had the emails somehow I do not have them no more but the email is XXXX XXXX
Consumer complaint received 2023-03-06
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: OneMain Finance Corporation (FL)

Please be advise this is not a dispute for charge-off amount, this is a notice that you are furnishing inaccurate information to CRA 's XXXX You ONEMAIN XXXX are reporting a " charge-off '' on my consumer report with the CRA 's XXXX XXXX, XXXX, or XXXX ) which is in fact inaccurate information As Defined by The IRS Even if you didnt receive a form 1099-C, you must report canceled debit as gross income on your tax return. 
The IRS clearly defines a charge off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
By Definition The IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says You ONEMAIN are a furnisher of information to a consumer reporting agency. 
You ARE PROHIBITED BY LAW to furnish inaccurate information, I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately!

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: VW Credit, Inc (CA)

On XX/XX/2023 I applied for credit with AUDI FINANCIAL SERVICES and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a XXXX XXXX XXXX XXXX  Fully Loaded.
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (TX)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General, and FTC
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (AZ)

A person open a electric account on the state of Texas, the electric company name is XXXX XXXX the dates where between XXXX and XXXX on 2022 they default XXXX dollars that went into my credit.