davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (FL)

To Whom It May Concern, I dispute your claim and request validation under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide a breakdown of fees, including how YOU calculated what YOU claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect debt in my state. Send this information to my email and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Incorrect satisfaction of mortgage was recorded at the XXXX XXXX XXXX office. The tax map designation on the lot was incorrect on the satisfaction. This was discovered during a title search of the property as we are selling. I contacted Bank of America by telephone on XX/XX/2020 at XXXX and after 2 hours was routed to " XXXX ''. I was told that a corrected satisfaction would be provided. The subsequent paperwork sent over was not for our property. I was however provided with the direct phone number of the supervisor " XXXX '' at XXXX. XXXX Calls were placed and voice mails left - none were returned. I called again on XX/XX/XXXX and was told to just " send an email and/or fax to the Lein Release department at XXXX. Letter was also faxed to XXXX. An automated response was received on XX/XX/2020 saying that a response would follow within 2 weeks. Nothing received to date.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Good morning, my name is XXXX XXXX. I am writing to address the issue of identity theft and fraudulent accounts still appearing on my credit report. Despite notifying TransUnion about these accounts, submitting copies of my police report, FTC identity theft report, proof of identification ( birth certificate, Social Security card, Ohio driver 's license, and a utility bill ), and even writing a letter about the identity theft, they have failed to block, delete, and remove the fraudulent accounts from my credit report. 

The following are the fraudulent accounts that are still being reported by TransUnion, even after being notified to block, delete, and remove them due to identity theft : - Account Name : XXXX XXXX XXXXXXXX, Account # : XXXX, Amount : {$190.00} - Account Name : XXXX XXXX XXXX, Account # : XXXX, Amount : {$6400.00} Both XXXX and XXXX have already deleted these fraudulent accounts, and TransUnion needs to do the same immediately. I have attached a letter with all the necessary information to file a complaint with the Better Business Bureau. I urgently need these items to be removed and blocked from my credit report.

According to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft, a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after receiving such information from the consumer.
Consumer complaint received 2024-03-19
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, and, XXXX XXXX has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

Every month of the year from XX/XX/XXXX to as of now XX/XX/XXXX all negative marks and late payments on a closed account that was obtained with my information and used by some fraudster to scam me and my SSN now discover has a balance of XXXX $ on a credit limit of XXXX $ again I never used that XXXX card! Nor did I ever open that account i have never been a customer of discover card bank XXXX XXXX they have continued to practice criminal behavior they have been told to delete this account and now I have gone to the attorney generals office due to the refusal to comply! The account is not mine it must be removed immediately! Executive office at discover has been complicit in the harm against my fried which was a XXXX when I first realized somebody had used all my old info to obtain this account! They will be sued for this i have XXXX and can not even get a XXXX removed as this has effected my credit and income and my income business! I want it gone now!
Consumer complaint received 2023-02-09
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. (IN)

My husband and I both noticed a new account opened on our credit reports. This account was for XXXX for the amount of {$32.00} with a credit limit of {$10000.00}. We DID NOT open this account. This is FRAUD. We reported this information to all the credit bureaus for Fraud and have placed a FREEZE on our credit. We also contacted XXXX to close this account and report a FRAUD. We believe that XXXX ( XXXX XXXX ) is somehow complicit in this - their security is inefficient and ineffective.
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

This is the 2nd dispute for this matter. 
There are 2 incorrect entries on my report, both for XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX & XXXX XXXX is the bank/lender, and XXXX XXXX is the credit report agency for the bank. Equifax has 3 entries listed on my credit report for hard inquiries, where there should only be ONE ( XX/XX/XXXX ). 
I submitted letters from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX that said the only SOFT inquiries were requested, not hard inquiries and they should not be on my report. I was informed by Equifax that I needed these letters to remove the improper and fraudulent entries on my report. However, when I submitted these documents to them, they ignored them, and ( still ) refuse to remove the fraudulent entries. 
Their lack of professionalism and candor has been appalling throughout this process as they have consistently lied to me on numerous occasions. Furthermore, I provided the EXACT documentation THEY requested themselves, and they continue to act in a belligerent and incompetent manner.
Consumer complaint received 2020-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I sent a certified letter to Portfolio Recovery Associates LLC to answer why they have continuously sent letters stating that I have a debt with them for over {$8000.00}. I never signed a contract with them. I ask for a signed contract with my signature to validate said debt. They sent me a letter with a creditors name, account number, and balance. There was no substantial information provided to me to validate this claim that I owe them for a debt.
Consumer complaint received 2020-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (SC)

On XX/XX/2020 I paid my medical bills with XXXX XXXX. The collection company that had the accounts is Credit Collection Services in the amounts of : Account # Amount XXXX {$97.00} XXXX {$150.00} XXXX {$150.00} XXXX {$97.00} Two of the four accounts have been deleted but the other 2 still remain. I have attached a screenshot of my payment email from the original creditor.
Consumer complaint received 2020-10-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (MD)

I started the FHA XXXX  Refinancing process with XXXX  XXXX  in XX/XX/2020, and I was informed the process would be approved XX/XX/2020, with an interest rate of 2.9 % ; and I would skip the XXXX mortgage payment. On XX/XX/XXXX I received an email from XXXX, XXXX Representative informing me that I would have to make the XXXX mortgage payment. At that time, I had to pay late fees because the payment exceeded the XXXX grace period. I was then informed my refinance would be approved for XXXX XXXX it was not ) and then XXXX ( it was not ). Due to the mishandling of my refinancing I received two late fees and now the inability to do a FHA XXXX XXXX and my credit score drop substantially, which hinders my ability to refinance for the next six months to a year. This situation has placed me in financial hardship and I need resolution. I have text messages and emails to substantiate everything I've listed. I would like to place a FORMAL complaint against XXXX. I have a wonderful credit history prior to this process. The way my case was handle was unprofessional and has caused stress in my household. We are already dealing with a pandemic and this has truly taken me over the edge. I am requesting your immediate attention to this request.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I made a purchase on XX/XX/2023 to internet retailer XXXX for merchandise in the amount of {$5600.00}. I received used, damaged, and not-as-described merchandise. I tried to return the merchandise but the seller refused and made the situation very difficult. I opened a dispute with Citi bank on XX/XX/2023 for help in this matter. Citi begun an investigation and initially ruled in favor of the merchant. I reviewed the materials supplied by the merchant and discovered blatant fraud, including forged documents and a false story that the merchant accepted the return and provided shipping labels. This was the first time I have ever seen these labels, and came as a surprise, because the merchant outwardly refused to provide them before. My suspicion is the merchant attempted to provide a different narrative but the story they provided made so sense and is also fraudulent. I called Citi bank to discuss this matter and on a recorded line, they advised me to " send the merchandise back so we may resolve this dispute in your favor. '' I did this. I sent the merchandise back with the newly discovered return labels the seller furnished to Citi bank on their dispute response. Citi bank then also asked me to submit a signed letter describing what happened and where the merchandise is. I did this. I sent back the items and supplied Citi bank their requested documentation on XX/XX/2023. I received notification on XX/XX/2023 per their website that the dispute was again resolved in favor of the merchant. Completely appalled, I called Citi bank on XX/XX/2023 to discuss this matter and they claimed the website is wrong and the dispute is still pending. They then asked me to provide the exact same signed letter I already had provided. I suspect gross negligence and incompetence on behalf of the investigative team at Citi bank and insist this complaint be used to re-examine the dispute and to properly resolve this matter in my favor.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my profound dissatisfaction and concern regarding the handling of fraudulent items on my credit report by your agency. Despite numerous attempts to rectify the situation and provide evidence of the fraudulent nature of these items, I have encountered significant delays and hurdles in having them promptly removed. 

Despite my diligent efforts and the seriousness of the matter, I was shocked to receive notification that the fraudulent items were being expedited for removal from my credit report without thorough investigation or validation. This premature action has left me vulnerable to further financial harm and has undermined my confidence in your agency 's ability to handle such sensitive matters effectively. 

I strongly urge your agency to reconsider the expedited removal of the fraudulent items and instead conduct a comprehensive investigation into the validity of these claims. It is imperative that all necessary measures are taken to ensure the accurate reporting of information on my credit report and to safeguard against potential future instances of fraud. 

Furthermore, I request transparent communication and regular updates on the progress of the investigation into these fraudulent items. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

Transworld Systems Inc is harassing me to collect a debt that I do not in any way owe. The debt is supposedly from XXXX a power company in XXXX  for a house I did own but for a time when I was not living there. The debt is for {$180.00} from XX/XX/XXXX. The last time I lived at the residence was XX/XX/XXXX.
Consumer complaint received 2020-10-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Back in XXXX usaa had informed me that they had given my loan to a different company, this was done without my consent. In mid XXXX usaa sent me a demand letter wanting over {$4200.00} or they would repossess my vehicle. They were trying to tell me how this was a good thing and theyd wipe all bad reporting on my credit report if I paid them. I called to pay and usaa was now demanding {$4900.00}, usaa was not flexible with the amount. I paid and USAA has yet to fix any credit errors. Usaa has been nothing short of deceitful, your agency has fined them and you need to look into them again. They prey on and hurt veterans. They make unreasonable demands and dont hold their end up.
Consumer complaint received 2021-02-04
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Colony Brands, Inc. (NC)

This company has been harassing me and is threatening me trying to force me to pay for something that does not belong to me I am tired of them calling from blocked numbers and they even went as far as contacting my former employer, I say former because they have repeatedly called this man and told his I owe money I am a dead beat all types of negative false statements that are terrible. I do not owe this money. 

I contacted legal assistance and they told me based on North Carolina Laws they are over the Statute of limitations on collecting debt whether it is or isnt mine dont even matter they shouldnt even be contacting me for this because of that. 

So they are harassing me after I told them In writing not to bother me any further and I told them they are over the state statue to which they replied that state statues dont matter on this account which I thought was a total lie but at this point I am used to all this. Its the same guy that keeps calling me he calls me and uses different names and he swears he is not same person but I have received so many calls that I no how this person talks and I am going to Give all the evidence I have collected from these calls to My attorney and I will be filing a lawsuit and a protective order of protection if this does not stop immediately
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MN)

XXXX  on XX/XX/26 through an email telling me of a credit score drop, that, on XXXX XXXX, a credit card was taken out in my name through Goldman Sachs Bank-USAXXXX XXXX XXXX My identity was stolen and a XXXX dollar credit card was taken out through GSXXXX XXXX XXXX I have contacted this bank and have discussed with their fraud department. They are taking steps to fix the issue. They told me to file a report with the FTC.
Consumer complaint received 2020-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (CA)

On XX/XX/XXXX I took out a private loan for {$24000.00}. While I attended school the loan ballooned to {$30000.00} by XX/XX/XXXX. As of today, I've paid back {$37000.00} and as of XX/XX/XXXX, my total balance is {$20000.00}. My expected payoff date is XX/XX/XXXX and I was told if XXXX continue to pay my loan payments every month until the loan is paid off I would end up paying back anywhere from $ XXXX $ XXXX. National Collegiate Trust owns my loan and the loan is being serviced by American Education Services. I've written to AES and NCT regarding my loans and any kind of relief and have not received a response. When I call AES regarding my loan they refer me to NCT which says they have no record of my account. I am not sure what else to do.
Consumer complaint received 2022-12-21
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: Applied Data Finance, LLC (GA)

In the matter of complaint # XXXX, Personify Financial presented fraudulent documentation to close the complaint. I have issued an verified Identity Theft report for which no rebuttal has been offered by Personify. If Personify maintains that my Identity Theft report is fraudulent & that their documents presented are valid, I have attached an Affadavit of Fact that will help Personify verify the validity of the documents submitted by Personify in complaint # XXXX.
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conduent Incorporated (CT)

Emailed the state of Tennesseee unemployment office with a fraudulent application in my name. 

Attempted to call Way2Go card debit card through XXXX XXXX  and report a fraud freeze on any further attempts at collecting monies against me.

First agent said they could not help me, made no attempt at connecting me with the fraud department. Hung up on me without further explaination.

2 more attempt transferred to fraud department with no contact with agents after holding for 45 minutes and 20 minutes.

Connecting with first line agents only took less than 3 minutes everytime.

My issue with all debit/visa etc is they should still verify through a  credit bureau for identity theft. To prevent further identity theft in having a credit card with stolen victims name imprinted on cards. 

Thank you XXXX XXXX XXXX