davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-04-08
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. (NY)

AS OF XXXX XXXX XXXX Ive noticed fraudulent accounts and inquiries 
ACCOUNT NAME :XXXX XXXX  
BALANCE UPDATED :XXXX XXXX XXXX
ACCOUNT NUMBER : XXXX
DATE OPENED 
DATE : -
CLOSED : XXXX XXXX XXXX
STATUS: INCLUDED IN BANKRUPTCY
COMPANY CONTACT 
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX
Phone number
XXXX XXXX
Consumer complaint received 2024-03-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MD)

I noticed the debt on my credit. I tried calling XXXX who no longer could help me. They couldnt even give me a phone number. The address and everything matches my previous address. I was no longer at that address and the account was opened after I moved from that address. I disputed with the credit bureaus and because its my previous address they claim its mine.
Consumer complaint received 2019-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB (GA)

I recently reviewed my XXXX  credit report and I was totally shocked to find State Farm Bank has reported a fraudulent account on my credit report. I am requesting for State Farm Bank to delete and remove this account immediately from its system as well as my XXXX credit report or legal actions will be taken against your company.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was very sick in XXXX. I missed my payments from XX/XX/XXXX - XX/XX/XXXX. I would like these to be deleted from my credit history. I spoke with XXXX XXXX and they said they can make an exception because I have a good credit history besides this time of my life. I was unable to pay because of my sickness. I was in the XXXX. Thank you.
Consumer complaint received 2019-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (LA)

I have asked Tower Loans in XXXX, La. several times not to call anyone on my account they have called my family several times, called my job several times!! Ive told them Im having some financial issues do to helping out my sister that is having some medical issues! The employees at that branch are rude they hang up the phone on you etc. So after making arrangements with XXXX on the phone I made the payment online dated for XX/XX/2019. So today at my job they sent me a certified letter from an attorney stating that I had to pay {$480.00} or they would issue a judgment against me, so I set the payment up online. When I moved I called the office gave them my new address so there was no reason for them to send something to my place of employment!! Tower loans employees seem to think it is ok to share your information with others and talk to you like you are trash!! I have never in my life been treated like this, this company is unbelievable!!! Im in the same business I know the laws and what they do to customers is unacceptable, I hear my customers talk about how bad they are treated!! Something really needs to be done about this company especially the XXXX Branch in Louisiana!!
Consumer complaint received 2023-04-08
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. (NY)

AS OF XXXX XXXX XXXX Ive noticed fraudulent accounts and inquiries 
ACCOUNT NAME :XXXX XXXX  
BALANCE UPDATED :XXXX XXXX XXXX
ACCOUNT NUMBER : XXXX
DATE OPENED 
DATE : -
CLOSED : XXXX XXXX XXXX
STATUS: INCLUDED IN BANKRUPTCY
COMPANY CONTACT 
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX
Phone number XXXX XXXX
Consumer complaint received 2019-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDICO. INC (CA)

I keep getting calls from XXXX XXXX of Credit Collection Bureau, repeatedly calling up to 3+ in a row daily. I have received a letter in mail from XXXX on XX/XX/19 with a copy of old invoice that clearly states {$0.00} balance owed to XXXX XXXX XXXX in XXXX XXXX, CA. The balance was paid several months ago directly to XXXX XXXX XXXX. 

It should never have been given to any collections agency. Even a monkey could tell that the invoice they mailed reads {$0.00} balance. It is verifiable with a bank statement and directly can be confirmed with XXXX XXXX XXXX. The medical facility was paid in allocated time allowed before any debtor is notified. 

XXXX XXXX of Credit Collection Bureau is inflicting harassment with malicious intent. I have answered a call without speaking and she starts talking to me as if she knows me personally. Neglecting to state who she is or reason for calling. Then ends the call by saying I will trying again tomorrow, good bye. 

I am XXXX and feel this is violating not only FDCPA, but also my rights under ADA.  Providing no form of accessible communication to inform either company of the issue. Other then a phone number to call or to answer the annoying repeated phone calls. I can not speak clearly or for long on phones without pain because I have XXXX XXXX. The business, Credit Collection Bureau, and XXXX XXXX personally, is strongly in violation of FDCPA and ADA. 

In consideration of the several months time span between paying directly to XXXX XXXX XXXX the remaining balance on account and receiving letter from XXXX XXXX of Credit Collection Bureau. I am now suspicious that it is a scam to collect money from myself, potentially others that do not actually have a debt owed to any business. In the attempt to fraudulently collect funds already paid.
Consumer complaint received 2024-03-25
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: Loqbox US Inc (WI)

To remove fraud accounts off my report completely dont just close the account remove it XXXX XXXX XXXX ( {$530.00} ) Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX Everything else XXXX dollars but with late payments LOQBOX FINANCE US LLC Closed XXXX XX/XX/XXXX Its hurting my credit score badly Transition XXXX XXXX
Consumer complaint received 2019-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (WI)

XX/XX/XXXX, WestLake Portfolio MGM Date Opened, account {$12000.00} this company put this on my credit report I never had any loan through them I recently had a car loan under another company which was closed out and wipe off my credit because I co signed dont have any knowledge of this company. I contacted the credit bureau and did a dispute XX/XX/XXXX and the same day they just updated the information they didnt do a full investigation to see if this what debt I owe.
Consumer complaint received 2019-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

I am requesting for Discover Bank to remove and delete fraudulent accounts from my XXXX, XXXX, and XXXX credit report immediately due to fraud as well as these fraudulent accounts from its system. I have sent Discover Bank Id Theft report as well as police report stating that these accounts are fraudulent. 

Discover Bank has violated my rights.
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (HI)

Signed up for the American Express Platinum card back on XX/XX/XXXX where it offered XXXX Membership points after spending {$5000.00} in 3 months. I would have to spend {$5000.00} by XX/XX/XXXX. 

I called on XX/XX/XXXX to confirm if I got the promotion and rep mentioned I did and that I am on my way to getting the promotion. 

I called again on XX/XX/XXXX to confirm how much I have left to spend to reach the minimum spending and to verify that I am still on the promotion. After further digging, the rep mentioned that I am not part of any promotions at the moment and that I will not be receiving any signup bonus. I've spent a total of an hour on the phone to figure out what happened and was told to contact Membership Rewards for further investigation on what happened. Unfortunately, the department was closed for the day. 

I called the Membership Rewards contact on XX/XX/XXXX and was helped by a XXXX XXXX. He mentioned that I will not receiving the Membership Points but he said he will file a dispute with me to upper management. XXXX called me few days later for a follow up and mentioned the decision stands and because I have had this card prior. I asked XXXX to further investigate because I did have not signed up for this card ever. He investigated and found that I indeed did not sign up for this card, but told me unfortunately it's a decision Amex has already made.
Consumer complaint received 2023-07-07
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. (TN)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number:XXXX
Consumer complaint received 2019-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS Portfolio Recovery Associates LLC case # : XXXXand filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2019-04-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc (NV)

I am having issues with plus four inc. I was never sent a letter about my collections until it came up on my credit report several years ago and I reached out to them, medicaid, and the XXXX XXXX to let them know I was not responsible for this payment but instead of resolving the issue they continue to increase the amount and bill me for interest on my credit report. It is harassing and it is hurtful to my advances to buy a home or a car in the future.
Consumer complaint received 2019-10-02
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. (OH)

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX case # : XXXX, XXXX XXXX /XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2023-04-08
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)

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint demanding to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and Information that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX . I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (MI)

A THIRD DEBT COLLECTION AGENCY HAS APPEAR ON MY CREDIT REPORT ( XXXX & XXXX XXXX ) WHICH IS UNAUTHORIZED ACCOUNT.RECEIVABLES PERFORMANCE DEBT COLLECTION STATED I OWE {$370.00} TO XXXX XXXX WHICH WAS DELETED BACK IN XX/XX/XXXX DUE TO FRUADLENT ACCOUNT BY XXXX .THEY REQUEST THAT BOTH CREDIT REPORT COMPANY DELETE DUE UNFAIR LABOR PRACTICE AND IDENTITY THEFT.IN ACCORDANCE WITH FAIR DEBT COLLECTION PRACTICES ACT, I AM ASKING TO IMMEDIATELY STOP ALL COLLECTION ACTIVITES ABOUT THIS DEBT WHICH WAS FOUND FRAUDULET.XXXX   SHOW THIS DELETED ACCOUNT AGAIN AFTER IT WAS REMOVE THANKS TO XXXX XXXX XXXX HAD IT DISPUTE ACCOUNT NOT MINE.RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX , WA XXXX ... I FILE A DISPUTED WITH XXXX ALREAD WHICH CLAIM IT TAKE 30 DAY TO SETTLE.XXXX  XXXX XXXX & XXXX XXXX INVESTIGATED THIS CLAIMI AGAINST XXXX XX/XX/2018 FOUND ACCOUNT HISTORY NOT MINE.
Consumer complaint received 2019-04-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: MARINER FINANCE, LLC (TX)

I have been working with a loan company and the have approved me for {$3000.00}. I was planning in going into sign the documents today. I have a lead provided a copy of my drivers licence and a my companies name, address, tel number and my managers name. They are asking me to bring my social security card and provide 3 names and their contact info. It seems that because I have a non American   accent that they are treating me very differently. They phoned me today XX/XX/2018 and told me I had red flags on my credit report. There is no red flags on my report. The loan companies request seem all unnecessary and extreme. I just want to be treated like everyone else that is getting ready to signs an agragrrement.
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MD)

I started the transfer of {$500.00} XXXX on XX/XX/XXXX at the time of the transaction on the website says XXXX to XXXX  days but it sent an automated e-mail saying receiver will receive the money on XXXX, I called them since XX/XX/XXXX, they do not provide any information of where the money is, the receiver also could not verify the amount is credited to his account. The money is extracted from my bank account on XX/XX/XXXX.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (SC)

I applied for a mortgage refinance on XX/XX/XXXX with Quicken/Rocket Mortgage. Rate was locked at 2.75 % with XXXX points which was going to cost {$7300.00}. Rate lock was for 60 days ( expired on XX/XX/XXXX ) given I had a HELOC which was going to require a subordination agreement between my HELOC lender ( XXXX XXXX ) and Rocket. I submitted all requested documentation in more than a timely manner ( usually same or next day ). The loan was conditionally approved on XX/XX/XXXX. Appraisal was received back on XX/XX/XXXX. My HELOC lender said Rocket was waiting on title work as of XX/XX/XXXX and hadn't yet done anything related to the subordination. Per emails with my HELOC lender, they did not receive a subordination package from Rocket until XX/XX/XXXX, which was four days after my initial rate lock expiration date. I had to become involved on several occasions to ensure the rate lock was extended. Rate lock got extended to XX/XX/XXXX and again to XX/XX/XXXX. I was constantly checking in with Rocket as the process was moving horrendously slow, through no fault of mine or XXXX XXXX 's. I checked in with Rocket on XX/XX/XXXX, prior to the rate lock expiration, and the originator told me " the underwriters will handle the situation so it is taken care of ''. Well, Rocket did not extend the rate lock and I inquired about it on XX/XX/XXXX. The originator said " we will be able to take care of this for you when the underwriters have completed the necessary steps on their end. No need to worry it will be taken care of ''. The originator also told me on XX/XX/XXXX that " yes ... we extended the rate for you ''. Come to find out, this did not happen, and XXXX XXXX  to re-lock the rate in a new higher rate environment. The new re-disclosure dated XX/XX/XXXX has me locked at 2.75 % - with XXXX points. Which costs an astonishing {$27000.00} - almost {$20000.00} over my initial disclosure. I have additional email records with dates, and I have message transcripts exchanged with the Rocket originator. Rocket moved horrendously slow on this refinance. I expect them to honor the original rate and points as they are the sole cause for this taking > 90 days to close. I have not closed as of today as Rocket 's Executive Solution Consultant said the best they could do was offer 2.75 % with XXXX points, which, I believe, amounted to a difference of $ XXXX {$9000.00} over what I was originally quoted at.
Consumer complaint received 2021-04-01
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX XXXX XXXX ( Original CreditorXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX