davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation (LA)

Contacted for a debt that is not mine or that of a family member, identifying information of the revealed by debt collector about the intended target/debt which is against the law. 

XXXX  message received to my personal cell phone on Friday XX/XX/2024 @ XXXX XXXX : Penn Credit Corporation, a debt collector. Please contact our office at XXXX regarding an important business matter. To opt out reply stop. 

Text message received XXXX  XX/XX/2024 @ XXXX : Penn Credit Corp is a debt collector : ( Name Redacted ) you can make your XXXX XXXX payment online. Tap XXXX XXXX XXXXXXXX XXXX # XXXX & zip code, or XXXX opt out reply stop. 

Opt out reply sent XX/XX/2024 @ XXXX. 

I am not a family member or spouse of the intended recipient, nor have I ever been. In the text messages Penn Credit Corp not only identified the name of the debtor but the company they were collecting debt for and provided me with a link to which I was able to open and view the name of the debtor, the company who the debt was with, the amount of the debt and the date the debt occurred. 

Per my research : They have to identify themselves as debt collectors and they cant reveal your debts to any third party except your spouse or attorney. 
I have no affiliation with the person who holds this debt but, I am concerned with Penn 's tactics of illegally providing debt information to strangers.
Consumer complaint received 2022-12-18
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: Ascendium Education Group (FL)

XXXX website is not allowing me to dispute inaccurate information. 
XXXX is no longer in business and has reported inaccurate information on my credit report. I disputed on XXXX website and had received an error. I was given the fraud department phone number, then the consumer complaint department and then finally a dispute number. It's a game of frustration getting anything done. I submitted a FTC report and also a valid identification on my credit report. Its made to wear you down and not resolve any issues one per day.
Consumer complaint received 2022-12-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion and XXXX have violated my rights to privacy and they are still reporting information that I have asked for them to delete. I have asked them for a ledger or account of where the companies got their information and how they arrived at the so called fact that I owe them. My next step is to file for compensation for me being stressed and the laws that they have violated. I have sent the attached letters several times I have sent my ID, proof of the Identity theft, and my Social Security card and their response is that they have not received them or they don't see them on their side this is wrong on so many levels and they should not be allowed to play these games. Please see letters from them and my response. Please make them adhere to the laws.
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

Dear Resurgent Capital Services L.P., I am writing in response to your recent communication regarding the collection account XXXX. I appreciate the information you have provided, but I must respectfully challenge the validity of this debt. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I have the right to request validation of this debt. I am requesting that you provide me with the following : * Verification of the original creditor 's name and address.

* Verification of the original account number and any relevant dates.

* A copy of the signed agreement, contract, or other documents proving that I am responsible for this debt.

* Verification of the amount of the debt, including any fees or interest charges.

Please note that under the FDCPA 809 ( a ), you are required to provide this information within 30 days of receiving this request. Until you have provided the requested validation, I am requesting that you cease all collection activities, including reporting to credit bureaus.

Additionally, the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) stipulates that information reported to credit bureaus must be accurate and verifiable. Failure to provide the requested validation could result in inaccurate reporting, which would be a violation of the FCRA. 
I look forward to your prompt response and resolution of this matter.
Consumer complaint received 2022-06-04
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. (MO)

In accordance with the fair Credit Reporting act These accounts included with date. 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 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 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 they 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 written instructions.
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (TX)

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 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 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 2022-06-04
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. (AZ)

I am a victim of identity theft. Its been ongoing since 2020 during the pandemic. My SSN was stolen and its reaked havoc on my credit score. XXXX XXXX is not my fault nor my responsibility!!! Please remove this from my credit report immediately. Ive sent letters, police reports and have called numerous times. This account is fraudulent!!!
Consumer complaint received 2022-06-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (AZ)

I was notified by my bank that my credit score dropped significantly, and a new account appeared on my credit report on XX/XX/2022. I have no idea who this person or company is. I checked XXXX and collected two addresses. They never contacted me and reported to the credit bureau only that I owed them money, in the amount of {$730.00}. I tried to dispute the report with the credit bureaus, but they said it was accurate information. My lawyer sent two letters to the company who had two addresses. One letter was " undeliverable '', and the other letter was delivered with no response. The company is SECURITY CREDIT SERVICES, OTHER COLLECTION AGENCIES, at XXXX XXXX XXXX, XXXX, XXXX XXXX - never called me, or sent me any mail. They also have another address for XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and contact phone XXXX. They reported doing business with XXXX XXXX XXXX. I requested documentation IF I owed them money, and I was never contacted, and never provided with any proof at all. My credit score has decreased, and the credit bureaus are stating that the information is accurate.
Consumer complaint received 2017-07-28
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. (CA)

I 've disptued this with all 3 bureaus already, twice each and not only does this still report exactly the same, but I am not receiving the proof of their alleged investigations. First of all, there shoud n't even be an investigation - these are blatantly obvious errors and second, I asked for these to be removed due to the knowledge that these would be veriifed.
See my disputes below : XXXX  XXXX balance : Experian and XXXX $ XXXX/XXXX {$20000.00} ; late payments : alleged late on XX/XX/XXXX is reported as paid as agreed on with Experian, which is correct I was never late XXXX XXXX XXXX  has me listed as currently 60 days late on both of these accounts - # 1 I was never late on this account and # 2 I can not be currently 60 days late on a paid off account that was always paid on time account! They have not updated this account since XX/XX/XXXX on the first and XX/XX/XXXX on the 2nd! If I was in fact late on these accounts, they would have continued to be late instead of showing a late payment status on a closed and paid account! These can not possibly report on my credit file any longer considering the fact that ( once again ) I was never late and I can not be late on accounts that have not been updated for 1-2 years!
XXXX XXXX XXXX I paid on time XX/XX/XXXX and XX/XX/XXXX and all 3 bureaus are reporting that I was late without any proof
Consumer complaint received 2021-08-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I would like to ask you to reconsider my application for your Personal Line of credit. Application Number : XXXX. 
I recently applied and I was rather surprised to receive a denial regarding my application. Due to the numerous positive reviews shared by my family and friends with respect to this bank I would like to share some more information with you in hopes of obtaining an approval. In your letter, you listed that the reasons for the denial were : too many financial obligations against income. 
My income is $ XXXX. I have no idea why my income is an issue. I make more than enough to cover my monthly bills and then some. 
This doesnt make any sense when all of my cards are under 30 % utilization. For example, I have a $ XXXX credit limit on my XXXX XXXX XXXX XXXX cash rewards is only $ XXXX, which is 15 %. My XXXX XXXX card is {$200.00} balance out of {$3500.00}, which is only about 6 % utilization. The {$5000.00} personal line of credit will prove especially useful to me. Not only did I rebuild my credit within 6 months, but my stock portfolio weighs in at {$39000.00}. I also have accounts with XXXX XXXX, PenFed, and XXXX XXXX XXXX. If you are willing to give me a chance, you can even start me with a low credit line of {$5000.00} so I can prove to you my reliability and loyalty to this bank. My account balances are in excess $ XXXX to show Im worthy. I thank you for your time and reconsideration and I hope to hear back from you soon.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have tried to use my FCRA rights with all three credit bureaus ( XXXX, TransUnion and XXXX ) by requesting the exact same, sent at the same time. Issue was, nothing was done. Monitoring this platform, ensuring we just do this right and be done. 

My name is XXXX XXXX XXXX, I have requested all the credit bureaus to make multiple changes between CFPB, XXXX, TRANSUNION and anyone else 's that would listen I want AGAIN after I sent letters two months ago no response three credit bureaus. 

Please, all I want is my credit and financial FICA/FICO 's rev-elevated, ensure all three bureaue 's have the same personnal information as I expressed to each of them, one name : XXXX XXXX XXXX, XXXX XXXX XXXX ( same ). Job, ( same ) I worked 30 years, I sacrificed all of those years with being a 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 I deserve them to get my credit correct!
Consumer complaint received 2022-06-04
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. (GA)

In accordance with the Fair Reporting Act XXXX XXXX account # XXXX as well as 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 a account without my written instructions.
Consumer complaint received 2022-06-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I was wrongly evicted during the pandemic. I qualified for renters assistance and the balance of my past due rent was paid in full. The collections company ( Genesis ) confirmed that the amount paid was indeed the full amount due and agree to remove the account from my credit. They made no change for about 3 months and then ANOTHER debt appeared for another XXXX which has continued to put a damper on my credit.
Consumer complaint received 2022-06-04
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. (GA)

In accordance with the Fair Reporting Act XXXX XXXX account # XXXX as well as 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 a account without my written instructions.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MD)

LEXISNEXIS REINVESTIGATION REQUEST NOTICE XX/XX/2024 PLEASE PROVIDE PROOF OF INVESTIGATION. 
THE UNITED STATES BANKRUPTCY COURT DISTRICT OF MARYLAND stated that they did not provide information to any 3rd party or reporting agencies and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt. 
I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. 
LEXISNEXIS is currently reporting negative information as a violation to federal laws. 
ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 
15 USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. 
AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. 
THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. 
HOW WAS THE INVESTIGATION CONDUCTED? 
PURSUANT TO 15 USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. 

I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Consumer complaint received 2022-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

I requested a refund for student loan payments made during the COVID pandemic. Per CARES ACT law, they should be eligible for refund. I was told that the refund I requested may not be processed, and if it is, it could take 150 business days! This is unacceptable considering the fact that other servicers are providing refunds within a couple of weeks.
Consumer complaint received 2017-07-28
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 've disptued this with all 3 bureaus already, twice each and not only does this still report exactly the same, but I am not receiving the proof of their alleged investigations. First of all, there shoud n't even be an investigation - these are blatantly obvious errors and second, I asked for these to be removed due to the knowledge that these would be veriifed.
See my disputes below : XXXX  XXXX balance : XXXX and TransUnion $ XXXX/XXXX {$20000.00} ; late payments : alleged late on XX/XX/XXXXis reported as paid as agreed on with XXXX, which is correct I was never late XXXX XXXX TransUnion has me listed as currently 60 days late on both of these accounts - # 1 I was never late on this account and # 2 I can not be currently 60 days late on a paid off account that was always paid on time account! They have not updated this account sinceXX/XX/XXXX on the first andXX/XX/XXXXon the 2nd! If I was in fact late on these accounts, they would have continued to be late instead of showing a late payment status on a closed and paid account! These can not possibly report on my credit file any longer considering the fact that ( once again ) I was never late and I can not be late on accounts that have not been updated for 1-2 years!
XXXX XXXX XXXX I paid on time XX/XX/XXXXand XX/XX/XXXX and all 3 bureaus are reporting that I was late without any proof
Consumer complaint received 2022-06-04
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. (TX)

In accordance with The Fair Credit Reporting Act XXXX Account XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681section 602A states i have the rights to privacy. 15 U.S.C 1681 Section 604 A Section @ : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-04
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)

in accordance with the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS