davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
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: Collection Bureau of the Hudson Valley, Inc. (NJ)

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. XXXX is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory 3rd party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof of permissible purpose for reporting these fraudulent accounts. Every time I write to or call XXXX they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my XXXX credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to XXXX are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. XXXX seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay XXXX to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as NJ issued driver 's license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by XXXX and all unauthorized 3rd parties listed in the notarized affidavit and complaint.
Consumer complaint received 2016-09-11
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IN)

XX/XX/XXXX or XX/XX/2016 I entered into a Repayment Plan with CitiMortgage. The Repayment Plan stayed the foreclosure proceedings in the XXXX County Superior Court. Paragraph XXXX of the Repayment Agreement states that the payments are due on or before the due dates. ( the XXXX of the month ) Payments were to begin on XXXX/XXXX/2016 for XXXX. I did not make the payment on XXXX/XXXX/2016 and did not make payment on XXXX/XXXX/2016. Sometime XX/XX/2016 I called my then homeowner support specialist for CitiMortgage, someone by the name of XXXX XXXX XXXX, to see if the Repayment Agreement was still active or had been cancelled. I added that I had the money to catch up the payments for XX/XX/XXXX and XXXX 2016 of the Repayment Plan. XXXX XXXX said she needed to check " into somethings '' and would get back with me. A few days later, she called and stated the agreement had not been cancelled yet, but that I would have to pay XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to keep the Repayment Plan. On XXXX XXXX, 2016 I sent to CitiMortgage {$2500.00}. I did not make the XXXX, 2016 by the first of the month. On or about XXXX XXXX, 2016 I received an email from CitiMortgage stating my new Homeowner Support Specialist would be someone named XXXX XXXX. On XXXX XXXX, 2016 CitiMortgage sent me an unsigned letter stating that my Repayment Plan would be cancelled. I then called XXXX XXXX and was essentially told that XXXX XXXX made a mistake in taking the payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and that she did n't go through the appropriate underwriters.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX 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 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections and they did not provide me with the original contract as I requested. This same account has been removed from my other credit profiles XXXX and XXXX due to this information being wrong and inaccurate please remove this account from my credit profile. The account fingerhut is still listed on my report as well two of the following are both showing on my report how can a debt that is being claimed to be owed showing twice on one report this is against the law remove both reports from my file I did not give written notice or consent.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (LA)

I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained and what information and see if it's legit. Please note that I don't a verification but a validation containing the information listed in the letter
Consumer complaint received 2023-02-23
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account 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 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 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Collector advises account was opened XXXX i have no knowledge of the agency nor did i open an account with them- XXXX  has no record of debit owed- XX/XX/17 XXXX made an escalation of this account due to poor celluar service- XXXX operator # XXXX that advised that no further action would need to be taken on our part.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

They refuse to return 16 months of on time never late payments to XXXX and now say my XXXX needs more time, WHY when clearly according to there own website says they are not honest
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (MD)

Hello I received a text message from CENTRAL PORTFOLIO CONTROL INC stating that they have a matter in their office. I logged onto the website as stated and it lists a XXXX  account that is past due and in collections that I have no recollection of. Also, my address is incorrect as listed. I emailed the company at XXXX and asked that they provide proof of the debt and proof of my acknowledgment to them having this debt and their right to collect. I received an email back from XXXX XXXX saying that I needed to call the office to better handle this matter. I emailed him back and said I was weary of scams and that I would not be calling the office. He could please just provide me with the information I requested to the address on file they have. He that wrote back and stated " XXXX XXXX, I understand your concern with scams going on, unfortunately in my industry I am required to complete a verification process before I can disclose any information or provide anything in writing to you. That is why I asked you to call me. 



If you want to provide your current mailing address, and either the last 4 of your social or Date of Birth than I can proceed. '' I informed him again that I would not be providing that information as they should already have it on file and I was within my rights to request a debt validation letter be sent to the address they have. If the debt is indeed valid then they should have all of that information and it can be sent to me within the 5 days as required by law.
Consumer complaint received 2022-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: World Acceptance Corporation (OR)

World Finance Corporation issued {$1900.00}. using my social security number to pay someone a loan. They are reporting this uncollected balance on my credit report while it isn't my account. I only found this error when I noticed my credit score declining. World Finance Company hasn't reached out to me, and allowed someone to use my credit very very loosely.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian is reporting inaccurate and outdated information on my credit report that are tied to fraudulent accounts. 

These are NOT my names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are NOT my addresses : XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX
Consumer complaint received 2022-11-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Tower Loan of Mississippi, Inc. (LA)

Agent with company has come to home several times to collect money, she also sent a text saying a letter will be sent to my address today with the items they will be picking up. She stated either the company will pick up items or the Sheriff. I explained that I would give her some money but it wouldn't be the full amount because my mother had XXXX and I had to help her.
Consumer complaint received 2022-11-09
Product: Debt collection — Medical 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: State Collection Service, Inc. (WA)

For the past month, I've been receiving call from state collection service inc. 

This is their address : XXXX XXXX XXXX XXXXXXXX, XXXX The phone call i received from them is at all hours, morning as early as XXXX XXXX, night as late as XXXX XXXX. They said that I owed them a medical debt of $ XXXX. I requested the representative send me a copy of the debt along with the copy of my ID that shows the name, address, date and time of the copy of the debt that they said belonged to me. 

The associate i spoke with by the name of XXXX XXXX, told me that they are not going to comply with my request when I'm the person that they try to collect the $ XXXX debt from, explained to him that it is my right to request this information that state collection service have on me. That's when he started threatening me by saying that state collection is a powerful collection agency that have connection with the law enforcement and will use the law enforcement not only to destroy my credit history and my life, but also the lifes of people around me, which is my wife, XXXX of my kids, friends, families, relatives etc. The state collection agency associate also threatened me by claiming that state collection agency will put me in jail without any chance of parole if i didn't pay up the $ XXXX that they claimed i owed them and slammed the phone on me. 

After that conversation that's when the call started coming in at different time through out the day and night, spoke to a friend of mine from church who is an attorney, he told me that state collection service inc doesn't have anything on me since they are not able to provide the information that I requested, he also told me to ask state collection to call his office if they called the next time. 

I followed his advise and told the next person that i spoke with by the name of XXXX XXXX to call my attorney and provide my attorney with the proof that i owed them $ XXXX in medical debt they said that incurred in Wisconsin which doesn't make sense as i have never lived in Wisconsin XXXX give XXXX ' my attorney address too, she said that state collection agency will use their contact with the government to go after me and my attorney and make sure that my attorney and me will never see the light of the day per se. 

It's been a week now they still keep calling me night and day on the daily basis to harass and threaten me. So far neither me nor my attorney have received any official documentation from State collection agency.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX have 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 2024-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

XX/XX/XXXX, XX/XX/XXXX with no correspondence prior nor about the XX/XX/XXXX offset. After my denial for Medical discharge and having provided Medical documentation, I appealed for Forged Signatures Fraud and continuous Fraud appeals in XXXX, XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2023-04-09
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. (AR)

N accordance with Fair Credit Reporting Act XXXX account XXXX XXXX XXXX XXXX, has violated my right 15 U.S.C 1681 scetion 602 A. States I have the right to privacy.

15 U.S.C 1681 scetion 604 A. Scetion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
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. (CT)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX, Have violated my rights. 

15 U.S.C 1681 section 602 A. State 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 an 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 and other adverse item of information, other than records of convictins of crimes which antedates the report for more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating ot 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 2023-06-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC (NM)

UWM ( United Wholesale Mortgage ) is NOT doing there job. My insurance carrier notified UWM in XXXX 2015 of what my homeowners insurance amount would be, which is approximately {$630.00}. My escrow amount before the insurance payment was {$1000.00}. UWM sent them XXXX checks totally a little over {$1500.00}. UWM does NOT update their information but once a year, so now I have a negative in my escrow. This is TOTALLY unfair!!
Consumer complaint received 2022-11-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Rushmore used Attorneys that submitted fraudulent papers on the Court not only in my case but in dozens of other mortgages. Rushmore and their Attorney deliberately and knowingly committed fraud upon the court in numerous counties against numerous properties to fraudulently obtain assignments to foreclose on properties. They submitted and affirmed that all documents were accurate when they were submitting documents where the notary had their license suspended or revoked as long as XXXX months to a year before the documents were notarized. This is just XXXX of the many frauds this firm committed along with their title companies and servicers. I intend to notify attornies that are presently revisiting cases and those that represented lost foreclosure cases and the persons who had their homes foreclosed on. They should be able to have their cases revisited also, who knows how much fraud is in all these cases.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

I've noticed that over the last two years, TD bank has done a terrible thing to me. I am a XXXX father of 4 and they continuously took unfair amounts of overdraft fees, usually these fees showed up without any warning or explanation, came out to around {$7000.00}. They were never good to me when I asked for these overdraft fees back over the course of two years. They were always nasty to me especially XXXX, the manager at the branch on XXXX XXXX XXXX. She wouldn't even give me a debit card.. This bank is taking advantage of a XXXX person and it is totally wrong. I find it disturbing that I noticed they have taken almost {$7000.00} from me like this. 

You said not to include personal info so I am only including my last 4 digits of the account. 

Acct XXXX overdraft fees XXXX {$1900.00} XXXX {$4500.00}
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (LA)

Loss of job, house, and wages due to COVID- 19, Since then I have been declared 100 % XXXX and now I am on a set income from the government and deem total XXXX