davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (MO)

This is the second collections agency that this balance has been sent over too. I have been approved by a charity for this date of service and the last collections agency that I sent this too it said they were not trying to collect and that is because they gave my information over to a new collections agency. This is very stressful.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT : XXXX  XXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. 

NAME OF ACCOUNT : XXXX/XXXX  ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. 


If you can not verify that the accounts listed above are reporting 100 % accurate and without any errors. Immediately DELETE these accounts from my credit file.
Consumer complaint received 2022-04-13
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: Continental Finance Company, LLC (PA)

XXXX XXXX has marked my credit report as delinquent, yet their site shows payments every month. I was misled by their site and feel that their site is misleading and deceives you into believing you are current.
Consumer complaint received 2020-04-10
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. (FL)

Unfortunately I have been a victim of identity fraud and my information was used to get some type of medical service or procedure. I have a company calling me from XXXX and they are very rude and don't provide me with much information. I have requested to have them validate my debt and they have failed several times to do so. Please help get them to comply with the fair credit reporting act and identity theft protection. My credit has taken a huge hit because of this and it is flat out not fair to me and my family.
Consumer complaint received 2020-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Preferred Collection and Management, Inc. (FL)

This company, Preferred CMS, alleges that I owe a debt. I have never done business with this company. In XX/XX/2019, my chapter XXXX bankruptcy was discharged. I am unsure if this relates to the discharged debts. I tried calling today, but the hold time was too long. I tried to block the number, but they use rotary dialing and call from different extensions every day.
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My repeated attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries continue to severely impact my life, causing considerable stress and XXXX  I must emphasize that I never authorized or consented to the association of this information with my identity, as I am a victim of identity theft.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX and Transunion allowed XXXX XXXX XXXX to report to accounts to my credit file without verifying. XXXX XXXX XXXX has violated the Fair Credit Act. This company did not send anything to me in mail for debt validation and they never sent out a bill to me at all. This company did not allow me the right to dispute this debt in 30 days. I would like these two accounts removed from all three credit bureaus immediately. 

XXXX XXXX XXXX amount {$72.00} XXXX XXXX XXXX amount {$62.00}
Consumer complaint received 2016-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

Navient is using XXXX as their debt collector. I sent them several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint.
Consumer complaint received 2021-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Associates, Ltd. (IL)

My XXXX XXXX was Adversed with a collection account on XX/XX/2021 By Collection Associates , LTD . They refused to provide a Validation of debt pursuant to the FDCPA. They have perpetrated Aggravated Identity Theft against Me along with STRONGARM collection tactics that we outlawed years ago. The repeated called third parties and nearbys attempting to contact me by repeated calling for weeks when they were advised I did not reside there and to NEVER call again. They threated an XXXX year old woman with " legal action '' if she did not provide my telephone number to contact.
Consumer complaint received 2021-10-17
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: EQUIFAX, INC. (TX)

Hey, so I rarely ever check my credit report but when I did today I was alarmed to see various accounts I have never authorized or recognized. Attached down below is my FTC Identity Theft Report along with my notarized affidavit and identification.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

One of the debit cards on our Chase account was lost and the person who took it did fraudulent things, deposited 5 IRS checks in an ATM in Florida, these checks were from 5 different people and cashed to the bank, making online transactions, without us knowing, this happened on XX/XX/XXXX, we did not do anything about that theft, and Chase blamed us by closing the accounts and has withheld the funds we had in the other accounts. The account that was affected was that of my minor son, being a card used for his work since he only gets his salary there and it was covered by his parents.
Consumer complaint received 2020-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

ATTENTION DISPUTE DEPARTMENT PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX-XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has res
ulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX-XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-03-30
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. (CA)

I applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter as well as filed a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2021-10-17
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: EQUIFAX, INC. (FL)

Im having a issue with XXXX and Equifax credit bureau reporting false and inaccurate information about me thats causing me emotion distress and violating my rights as a consumer i would like if you can step in abd help me resolve this matter it has been more than the regulated time to clear up there wring doing and i haven't gotten a resolution that is fair and accurate. 
XXXX and Equifax is under violation for not following US 15 1692 ( e ) ( 7 ) ( 13 ) also US 15 1692 ( a ).

I sent this letter by USPS certified mail without receiving proper notice from XXXX.
Consumer complaint received 2020-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GreenSky, LLC (CA)

A GreenSky rep called me on XX/XX/2020 XXXX XXXX ) to ask if I had opened a credit with them for a XXXX  office. I said no, I have no idea who either the company or the XXXX  office is. She verified my name and address but when she wanted to verify my SS #, I said no. I was told that the XXXX XXXX name was XXXX XXXX XXXX in XXXX, CA. This woman also told me that they would send me a letter regarding the fraud. I also called the XXXX  office ( XXXX ) and we mutually verified that it was a fraud as we didn't know each other. I called back the number in XXXX and could not get through. Today I received a bill for {$20000.00} from GreenSky. They had a number on the face of the bill ( XXXX ). I called them three times today, XX/XX/2020 ; they started to give me general information but when I attempted to get information on this specific bill, the line started to be scrambled and they hung up on me every time.
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TFS FINANCIAL CORPORATION (WA)

I applied to Third Federalfor a mortgage refinance and HELOC in XXXX and they were approved but I haven't been able to close yet. Apparently Third Federal says they sent 3 requests to XXXX XXXX for  payoff amounts but XXXX XXXX  says they haven't received any payoff requests. So I applied in XX/XX/2019 and was approved but 4 months later no closing. The last email I received from my loan officer stated she would get her management team involved ( with grammar errors ). She said she thought that the title company should have contacted me even though in previous emails she said the problem was we don't have payoff amounts.
Consumer complaint received 2020-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

ATTENTION DISPUTE DEPARTMENT LAW OFFICES MBA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not  responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LAW OFFICES MBA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NC)

On XX/XX/2021, I was informed by the Chime bank that they have decided to close my account and this was their message : " After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund ''. I had an estimated balance of {$2000.00} in my account and it's been more than 100 days since the account closure notice and I have not received my balance after my account was closed.
Consumer complaint received 2020-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (MA)

My Name Is XXXX XXXX I was in XXXX for three months while i was in XXXX my tenant on the first floor furnace broke down and could, nt be repaired it have to be replaced, the cost for the new furnace is {$6500.00} so i went online and fill applications on several sites daily and getting several {$1000.00} offers and {$600.00} offers which i was turning down but not realizing that i clicked on a Esign document but i still continue to search for the loan, I return to the XXXX in XX/XX/XXXX still searching for a loan and did, nt check my account until a couple days later for my ss check and retirement check still did, nt until end of month that a withdrawal of {$170.00} was taken from account for a loan of {$600.00} i instantly contact the company that withdraw my money trying to get some answers why i was, nt contacted about an approval loan for {$600.00} they claimed they send me an email that i did, nt received i in return tell them if you guys had went about this loan the right way i would not have accepted this loan because it did not meet my caused, so i return requested paper work on this loan which was sent to me right away and i was shocked when i see the percentage rate for a {$600.00} loan IS RATE IS 714.54 % I call them back right away and informed that you are ripping off the consumer and i, m not paying you XXXX for a {$600.00} loan
Consumer complaint received 2021-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (LA)

My fianc and I used my venom for several months both collecting our unemployment. Venmo one day out of nowhere permanently deactivated my account and locked $ XXXX in the account. It has since been almost 200 days and they refuse to release our funds. My fianc was willing to prove it was him and I both using the account but they are not giving in and will not release my funds.
Consumer complaint received 2020-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (IL)

Gateway One Lending & XXXX I had a loan with them. They just sold it to Santander Consumer USA.  There was no communication or no notification. They just closed my account which brought by credit down. Very pissed about this.
Consumer complaint received 2021-10-17
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. (CA)

I contacted Trans Union in XX/XX/XXXX and XXXX of XXXX with regards to my account with XXXX XXXX. Trans Union is reporting on time payment in XX/XX/XXXX and 90 day late in XXXX of XXXX. How is it possible to go from on time to 90 day late in less than 30 days?
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/2020 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.