davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (FL)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This FIRST CREDIT SERVICES account with a balance of {$220.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2023-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance with the FCRA, XXXX  account # XXXX XXXXXXXX, XXXX, XXXX, and XXXX has violated my rights 15 USC 1681 602 A states that I have the right to privacy. 

15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent. 

If you have any questions I can be reached at XXXX XXXX XXXX
Consumer complaint received 2022-05-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bepensa Capital, Inc. (CA)

I paid my vehicle loan off on XX/XX/2022 and since have been trying to obtain my title from Credito Real. They have continually lied, telling me it is on the way. The only thing I received the lien release. I have been to the XXXX and spoke to the Manager there, who has advised that Credito Real must electronically release my title. I have tried to contact someone in their title department and all I am told is " you can send them an email, we have no way to directly contact that department. '' I have sent XXXX emails to Credito Real, as well as advised them that I am filing a formal complaint. No one has replied and I still do not have my title for my paid in full vehicle.
Consumer complaint received 2022-05-17
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. (FL)

Delete hard inquiries listed. 
XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2022-05-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (IN)

A month before my lease ended, I traded in my XXXX XXXX XXXX to XXXX. XXXX paid off the remainder of the car to XXXX ( XXXX in XX/XX/XXXX ). XXXX assessed a turn-in fee for {$350.00} ( plus XXXX tax ) on XX/XX/XXXX. I did not return the vehicle to XXXX. Therefore, they should not have assessed a turn-in fee. 
I attempted to contact XXXX using the method they specify on their website ( called XXXX ) during normal working hours - XXXX to XXXX per their website. The automated system said they were closed and offered no other way to contact the company. I found no way in the automated system to dispute the fee.
Consumer complaint received 2022-05-17
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. (FL)

Delete hard inquiries listed. 
XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX  reports to credit companies before my cycling dates. My bill is due on the XXXX They reported on the XXXX My cycle date is the XXXX. My Credit card balance was paid in fullon the XXXX. This is the second time they XXXX XXXX this because my cycling date fell on the weekend. I work hard on my credit. Pay all my bills. They are causing me to be denied or pay super high interest rates. The credit company dropped my scores XXXX points which will take me forever to recover from. I'm a business owner I can have bad credit.
Consumer complaint received 2015-07-16
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Pinnacle Credit Services, LLC (CA)

Pinnacle Credit Services , LLC XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Violated the FDCPA by placing an account with XXXX XXXX into collections status with all XXXX credit bureaus without validating the debt of alleged XXXX with XXXX XXXX using XXXX and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX letter dated XXXX XXXX, 2015 was sent to both party 's requesting validation of this debt which was not responded to.
Consumer complaint received 2021-11-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My identity was stolen by my brother. I alerted you all of this. I filed a police report, placed freezes on all credit bureau 's. The initial response was that an investigation indicated that the account did belong to me and there was no evidence of fraudulent activity on the account. Your company is right about the owner of the account. However, my personal assistant at the time, my younger brother, had access to my financial data. As apart of his job he ran errands for me that included him making purchases. Running to get me coffee, buying a piece of furniture my interior design business, etc. He had access to most of my accounts. This account was a major account that he had access to. I urge you to remove this derogatory remark from my report as I continue to work with the FTC and local law enforcement to protect my identity.
Consumer complaint received 2023-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX Account Number : XXXX Discrepancy : Account charged off. {$2400.00} written off. {$850.00} past due as of XX/XX/2023. Credit limit was only {$2000.00}, indicating over-limit status which I did not cause. 

XXXX  XXXX XXXX Account Number : XXXX ( assuming the last four digits ) Discrepancy : Status indicates " Paid, Closed, '' but I did not open this account. 
XXXX Account Number : XXXX ( assuming the last four digits ) Discrepancy : Account charged off. {$1600.00} written off. I did not open this account or incur this debt. 

XXXX XXXX ( 1st account ) Account Number : XXXX ( assuming the last four digits ) Discrepancy : Closed. {$200.00} past due as of XX/XX/2023. I did not authorize this account or the accumulated charges. 
XXXX XXXX ( 2nd account ) Account Number : XXXX ( assuming the last four digits ) Discrepancy : Closed. {$230.00} past due as of XX/XX/2023. This debt is not mine, and I did not authorize the opening of this account. 

XXXX XXXX Account Number : XXXX ( assuming the last four digits ) Discrepancy : Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/2023. I did not create this account and am not responsible for the charges. 

XXXX XXXX Account Number : XXXX Discrepancy : Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/2023. I did not authorize this account or the accumulated charges. 

XXXX XXXX XXXX Account Number : XXXX Discrepancy : Account charged off. {$2700.00} written off. {$2700.00} past due as of XX/XX/2023. I did not open this account or approve any charges. 

XXXX Account Number : XXXX Discrepancy : Account charged off. {$3900.00} written off. {$3900.00} past due as of XX/XX/2023. I have no knowledge of this account 's creation or charges. 

XXXX Account Number : XXXX Discrepancy : Account charged off. {$420.00} written off. {$420.00} past due as of XX/XX/2023. This is not my account, and I did not make these transactions. 

XXXX XXXX Account Number : XXXX Discrepancy : Transferred, closed. {$12000.00} written off. I did not create this account or incur this debt. 

XXXX XXXX Account Number : XXXX Discrepancy : Open. {$970.00} past due as of XX/XX/2023. I do not recognize this account or the associated debt. 

XXXX XXXX Account Number : XXXX Discrepancy : Open. {$4100.00} past due as of XX/XX/2023. This account is fraudulent, and I did not take on this obligation. 
XXXX XXXX Account Number : XXXX Discrepancy : Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/2023. I did not open this account or accrue this debt. 
XXXX XXXX XXXX Account Number : XXXX Discrepancy : Collection account. {$120.00} past due as of XX/XX/2023. I do not acknowledge this debt or the associated collection action. 
XXXX XXXX XXXX  Account Number : XXXX Discrepancy : Collection account. {$2500.00} past due as of XX/XX/2023. This debt is not mine, and I did not authorize any activities leading to this collection.
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I have a second mortgage on my home with Specialized Loan Servicing , LLC. I pay my {$440.00} mortgage on time every month. For the last eight months I have been sending in a seperate payment of {$500.00} that I have clearly marked " Additional Payment for Principal Only ''. They have only applied XXXX of these payments to my principal. I have called three times and submitted a previous complaint. They said they corrected it and that they would send me a listing of all of my payments. They sent the list of payment but it also showed that they have only applied XXXX of these payments to principal. The other principal only payments they are holding in an " unapplied account '' or they apply it to the next regular payment. They are holding my money. Not applying it as I asked and lying to me about it when I call. I believe they are fradulently doing this to extend the loan that I am trying to pay off early.
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AL)

I have tried to make my payment twice with Nelnet.com. First on and XX/XX/XXXX and then on XX/XX/XXXX. After days of processing the payment was returned to my account both times. My account appears past due and shows a penalty for it. I have been on hold for hours 3 separate times unable to get any help from customer service. I have also tried emailing twice with no response.
Consumer complaint received 2023-06-12
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. (MD)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OH)

Working with chime company, Had fraud on a credit builder checking account XX/XX/2023 was resolved in my favor funds were credited back to a closed account, as account is closed Im u able to withdraw or transfer funds to another account chime member service has confirmed several emails that the check went out in XX/XX/2023 then another email in XX/XX/2023 as my issue isnt being resolved I am communicating via phone and email and email response is automatic and continue to request my address also confirming check is out received another email today saying credit to my account however chime failed to provide me documents with proof my current checking account was credited researching all history chime has yet to send me disbursement funds as I have referred to companies closing account procedure the 90 days service level has expired and my issue isnt resolved or handled properly
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (GA)

Date of Occurrence : XX/XX/XXXX Amount involved : XXXX Company involved : Discover Bank ( FDIC cert # : XXXX ) Nature of Complaint : On XX/XX/XXXX at XXXXXXXX XXXX  EST we were unable to login through our mobile banking and prompted to call Discover. When I called we were transferred to to the Fraud department. I spoke with XXXX in XXXX, AZ initially. She explained that our account had been closed due to a " Business decision '' and that we no longer had access to the funds. There was no explanation given and we were not allowed to speak to a supervisor. We were told a supervisor would call us within 24-48 hours. I asked when the funds would be released and she said after the investigation is closed, they would issue after 60-90 days. I explained to her that I am XXXX  and due in 60 days, that we are set to close on a new home in 30 ; all to her telling me there is nothing she can do. 
Over the next few hours I proceeded to call back and attempt to speak to a supervisor. I spoke with multiple representatives all who told me the same scripted message, " a business decision was made to close your account. '' After 3 hours I was transferred to XXXX in XXXX, AZ again ; she proceeded to cry and said " I want to tell you something that is happening but I could lose my job. '' That threw up a red flag for me immediately. She finally transferred me to her supervisor, XXXX ( also located in XXXX, AZ ), who proceeded to tell me the account was closed by a malfunction in the computer. However, there was nothing he could do on his end. 

On XX/XX/XXXX I spoke with XXXX in Discover 's Fraud department who told me again that the account was closed. I probed further and she finally disclosed that it was due to a check I deposited which included my middle name rather than my legal name ; therefore this was suspicious to them and it was a " Business decision '' by Discover to close the account. I asked why they didn't contact me to confirm that this was actually me, and she informed me this is not how Discover operates. I continued to ask her what we are to do without any money for the next three months and she had no resolve ; stating " it's out of my control. '' Action taken by Company : None. They have not reached out to resolve and they are locking down all funds we have for the next 90+ days without any alternative options.
Consumer complaint received 2023-06-12
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. (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. XXXX XXXX, in amount of {$3700.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023, XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}, XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$700.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2000.00}, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2022-05-17
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)

My Credit Profiles indicates XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX  and XXXX, all Debt Collection Companies, placed collections on my Credit Reports. However, I did not provide any written consent at all, not to mention the inaccuracy in the first place. I disputed through all three credit reporting agencies ( XXXX, XXXX, and Transunion ) and the response came back confirmed. This is impossible because I have no knowledge of these accounts. Unfortunately, I have been a victim of numerous data breaches, credit companies included. According to the Fair Credit Reporting Act ( FCRA ), the consumer must receive notification of debt and an opportunity to dispute the debt before being added to any credit profile I never received it because it is false. Additionally, I did not give explicit or written consent to any of the above mention companies and for that matter, neither have I have heard of nor ever conducted any business with them. Furthermore, through the Consumer Financial Protection Bureau, these business matters have not been resolved ; Additionally, under 15 US Code 1681b - Permissible purposes, this is to be considered as identity theft. As a result of these inaccuracies my credit score has been deeply impacted making me seem as if I am not credible. I am uncertain why these companies are attempting to collect this erroneous debt. Kindly delete the collection account from all three credit bureaus ( XXXX, XXXX, and TransUnion ). 
Please remove these inaccuracies from all three credit bureaus immediately. second and third party credit reporting agencies are owned by all three credit reporting agencies. I feel this is why I am not getting any results, because they are asking themselves if I am me. This is totally unfair and illegal.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.