davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

To Whom It May Concern : This letter is regarding five Items/accounts that GLA Collection Company reported on the same day, on ( XX/XX/2019 on XXXX  ) and ( XX/XX/2019 on XXXX  and XXXX ) under my name and social security number. GLA Collection Company claim that I owe, item 1 ) {$93.00} 2 ) {$170.00} 3 ) {$330.00} 4 ) {$100.00} 5 ) {$1800.00} to the same company which they claim they represent. 

GLA Collection Company has been reporting five unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do not remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Please do not send screenshots. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay GLA Collection Company. As this debt is Not mine. 

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. 

GLA Collection Company, please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Consumer complaint received 2017-10-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have sent letters to Portfolio and the credit bureaus XXXX XXXX, XXXX and XXXX  XXXX seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports. See attached documents.
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (VA)

Dear XXXX, XXXX XX/XX/XXXX I made a Western Union XXXX for the amount of USD XXXX in error. I realized it right away and called WU Customer Service couple minutes after. The WU representative advised me to cancel the transfer from my WU application in the XXXX as she saw in the system that my debit card was not charged. So, I followed her advice and canceled the transfer from my WU application. Only on XX/XX/XXXX I received the receipt from WU showing that my debit card was charged and that I should call WU Customer Service within 180 days from the date when this transfer was available to the receiver to dispute this error. I did it on the same day on XX/XX/XXXX, and WU Customer service started an investigation and asked me to send them the bank statement as a proof, which I did on XX/XX/XXXX. After that there was back and forth with them, they escalated the case to the managerial level and after that I havent heard from them for some time, so I contacted them by phone again on XX/XX/XXXX and WU XXXX told me that it is my bank holding the money not WU, so I called the bank and the bank folks said that they there is the charge on my bank statement but they can not resolve it, it should be resolved by the merchant. Today, XX/XX/XXXX I contacted WU again and they said they never received my bank statement showing the charge. Ive sent it to them again. So it is like a never-ending story. There is no consistency between all their responses and I have it all documented, all emails and related documents. 

I hope that you can investigate this case and help me get my money refunded. Thank you very much in advance for your time and for looking into it.
Consumer complaint received 2022-06-01
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. (GA)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXX XXXX but it is still reporting on TransUnion. I sent a debt validation letter and student loan letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, XXXX XXXX XXXX. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

TransUnion is participating in fraud with XXXX XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Consumer complaint received 2022-06-01
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, Bankruptcy Reference # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-11-08
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. (MS)

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  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  finance : # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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 2022-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I canceled my XXXX XXXX  membership in XXXX, XXXX. The spoke with XXXX XXXX 4 times as well as disputed the charges with Chase. Chase continues to allow XXXX XXXX to bill my debit card for a monthly fee of {$34.00}. I don't know what to do to get this charge to stop. I have contacted the merchant. I have email proof as well as disputed the charges with Chase. 

XX/XX/XXXX {$34.00} XX/XX/XXXX {$34.00} XX/XX/XXXX {$34.00} XX/XX/XXXX {$34.00} XX/XX/XXXX {$34.00} Please assist me in resolving this issue.
Consumer complaint received 2022-04-15
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)

XXXX XXXX XXXX XXXX This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2022-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

This debt was written off, therefore the merchant received a credit for it and it makes me no longer responsible for it. It was sold to XXXX XXXX which is illegal and experian will not remove it from my report. The amount is $ XXXX would like a copy of the original contract with my signature. Full payment history from original creditor. Full name and address of address of original creditor.. I need proof that this has been assigned to them and that they own the debt. A collection is also not to be reported with a balance.
Consumer complaint received 2022-06-01
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. (MS)

I went to XXXX XXXX to apply for financing on an auto loan. I asked them to only run my name through XXXX XXXX. Instead of running my name through XXXX XXXX, they ran my name through numerous institutions instead of XXXX XXXX without my permission. 

The following Institutions are : 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 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation. I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter. I am sending this letter certified mail, return receipt requested so that I will have documented confirmation of delivery. I will also send a copy of this to the CFPB. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
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  XXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2022-06-01
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. (NY)

In accordance with the fair credit reporting act convergent XXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (CO)

I have sent MULIPLE certified letter disputing inquiries on my credit report for fraud and unauthorized. They have still NOT been removed after several months and years. I have asked all credit bureaus nice and demanded these be removed for fraud or unauthorized inquiries and they still have not been done.
Consumer complaint received 2022-06-01
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. (CO)

I have sent MULIPLE certified letter disputing inquiries on my credit report for fraud and unauthorized. They have still NOT been removed after several months and years. I have asked all credit bureaus nice and demanded these be removed for fraud or unauthorized inquiries and they still have not been done.
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastern Account Systems of Connecticut, Inc. (FL)

I, XXXX XXXX, have falsely been accused of having a debt with XXXX XXXX XXXX  I have disputed this debt, first, with XXXX, then, subsequently XXXX collection agencies. There has been no justification of services rendered for any debts owed. The most recent collection agency is EASTERN ACCOUNT SYSTEM OF CONNECTICUT , INC . I am tired of being harassed over a debt I clearly don't owe.
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (CA)

The morning of XX/XX/2022, I received an email from XXXX XXXX informing me that a negative item had been added to my credit report. 
Upon reviewing the report, I found that somebody had opened an unauthorized account with XXXX XXXX in my name. My credit report does not list the date the account was opened. But it shows that a collection agency that goes by the name of CREDIT MANAGEMENT LP is in charge of this account since XX/XX/2022. 
I did not open an account with XXXX XXXX, I have never heard of them, and I have never received any correspondence from them or from CREDIT MANAGEMENT LP. I have no idea who these companies are, and I have not authorized any transactions with them. 
My credit report shows that the account opened in my name is linked to the following TX address, which I have no knowledge, relationship or links to : XXXX XXXX XXXX XXXX, TX XXXX This morning, I filed disputes with the 3 credit bureaus. 
I have also filed a police report ( XXXX  ). The temporary tracking number is : XXXX.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XXXX I mailed off letters disputing negative information found on my credit reports. It's been more than 30 days and I still haven't received any information in regard to the account 's disputed. I am aware that credit reporting agencies have 30 days to respond to disputes but XXXX has not followed up with me in a timely manner. Therefore I'm submitting this complaint in hopes to having my issue be addressed and corrected.
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SD)

These two companies were filed on a bankruptcy and not removed from my credit report : 1. Judgement case -- Case # XXXX Filed -- XX/XX/XXXX Amount -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX Court -- XXXX Circuit Court, XXXX XXXX 2. Judgement case -- CASE # XXXX Filed -- XX/XX/XXXX Amount -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX   Court -- XXXX County Court ( XXXX ) XXXX XXXX Both cases were filed with a bankruptcy and granted at : Bankruptcy Chapter XXXX -- DISC Case # XXXX Filed -- XX/XX/XXXX Lact -- XX/XX/XXXX Attny -- XXXX XXXX XXXX XXXX -- ( XXXX ) XXXX   Court -- Federal District Court Cases # XXXX and case # XXXX   are still on my credi report and need to be removed so I may purchase housing.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Navient Solutions, LLC. (OH)

Below I have listed the fraudulent accounts I want deleted from my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX was in XXXX XXXX XXXX  The balance and date are inaccurate. The payment history/rating is incorrect. The account is listed closed. Payment terms are incorrect. On my account six times. 

XXXX XXXX XXXX XXXX XXXX balance and date are inaccurate. The payment history/rating is incorrect. The account is listed closed. Payment terms are incorrect. On my credit report seven times with fraudulent information. 

XXXX XX/XX/XXXX account does not belong to me. Duplicate account. I have a Navient account in good standing. This one is not mine. Inaccurate information. 

As a national reporting agency, you are governed by the Fair Credit Reporting Act ( FCRA ) which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that its the Credit Bureaus responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. All three Credit Bureaus have closed student loan accounts posted to my credit report.
Consumer complaint received 2022-06-01
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 ALL 13 XXXX Accounts US Department of Education, All 13 XXXX XXXX accounts, 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 an account without my written instructions
Consumer complaint received 2018-01-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC (RI)

In XXXX XXXX 2017 I applied for a modification of my mortgage with XXXX XXXX XXXX XXXX. I retained the services of an attorney to assist me. My attorney 's office attempted on several occasions to contact my mortgage servicer but was repeatedly told that there was no modification department and that they had to contact the original mortgage originator ( the person ). Ultimately, my attorney 's office sent a complete modification request package with a standard RMA, Income Verification, Bank Statements, and a Reason for my Hardship. This request package was faxed and emailed twice, only to be returned without explanation. 

My complaint centers around the fact that mortgage servicers, such as XXXX XXXX, are by law supposed to have accessible mortgage assistance programs and policies in place so that consumers may access them in times of hardship. A review of XXXX XXXX 's web-site shows that there is nothing available that can be found to direct consumers on how to go about applying for loss mitigation assistance. 

I am sure I am not the only mortgagor who has run into this road block and I believe that this type of stonewalling consumers to prevent them access to mortgage assistance programs that should be made available can only be resolved by seeking the assistance of the Consumer Financial Protection Bureau.