davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (FL)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Todays date : XX/XX/XXXX RADIUS GLOBAL SOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUS GLOBAL SOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-02-25
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: EQUIFAX, INC. (TX)

I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Please refer to the attached Letter dated XX/XX/2020. The Table, Column Two ( 2 ) labeled Note 1, Line 2 indicates XX/XX/2020. ( Note 2 ). What does this reading mean. Is there a date like this? This is confusing. 

You have not addressed the issue. How do you justify interest rate increase during COVID19 crisis?. Is this fair to raise the interest rate from XXXX XXXX XXXX XXXX XXXX while the COVID 19 has adversely affected me as well? 

I request that Wells Fargo reconsider the current interest rate and restore the prior interest rate.
Consumer complaint received 2022-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MA)

In 2018 I was provided with a Public Service Loan Forgiveness Employment Certification Form which I submitted to the Department of Education/XXXX XXXX I was denied the forgiveness of my loans after 10 years of public service. However, I kept paying the loans. 
Now there's a lawsuit against XXXX XXXX and I need my account to be examined.
Consumer complaint received 2022-02-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NE)

Naivent to took my rehabbed student loan in approximately 2008. I have paid thousands of dollars over the years and still owe money. When interest payments were suspended for everyone else, navient told me they couldnt because it was a private account. The recent call I made to collections they said I wouldnt be part of the settlement because I was public account. I would really appreciate if someone could explain whats going on. All I know is that through the years they have told me nothing, I dont ever remember even signing anything.
Consumer complaint received 2022-02-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Movement Mortgage LLC (LA)

This file is in review for loss mitigation with Movement Mortgage. We have not gotten any real update since XXXX. We request call backs and escalate for updates weekly with no response. The lender is delaying the file on purpose. The reps that answer the phone state that they do not have to ability to transfer the call to a supervisor. Their only solution is to escalate the file and request for an update and that is getting us nowhere.
Consumer complaint received 2021-10-28
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. (MO)

TRANSUNION IS STILL REPORTING FRAUDULENT INFORMATION ON MY FILE AND I WOULD LIKE IT TO BE REMOVED. THEY ARE NOT ANSWERING ANY OF MY LETTERS THAT I'M SENDING.
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

XXXX XXXX XXXX XXXX is trying to collect on a debt that is the was result of identity theft. 
XXXX XXXX XXXX  was sent may letters telling them that this account was opened through the result of identity theft. 
This debt is not owned by anyone in this household. 
Also XXXX XXXX XXXX was told that the account was the result of identity theft.
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/21 I received a text message claiming to be from chase. The text contained a link and the following message CHASE : A payment attempt on your Chase account has been canceled. For more information please click here XXXX XXXX XXXXXXXX I followed the link which asked me to sign in. A few hours later I received a call from someone claiming to be a chase representative. They provided their name and employee id, said that the website has been taken down, and advised me to change my login and password as well as canceling my debit card and requesting a new one. I completed all three suggestions and patiently waited for my new card to arrive. It is now XX/XX/21 and I still had not received my card. I proceeded to call chase and ask for the status of my new card being mailed out. I was told by the representative that there was not indication that my debit card was canceled and a new one was being sent out. The representative advised that my account did show that it was accessed by a chase employees employee on XX/XX/21 but it was a completely different rep mentioned in my account that I had never spoken to or heard of. My account and debit card was left unsecured as I was under the impression that my card had been canceled and a new one was mailed out. This is completely negligent and careless on chases behalf and I am now left with the worry of my information being released into the wrong hands. This is also not the first time that Ive had issues with fraudulent activity that was not done on my part but could not be explained by chase. This not only affects my current financial situation but any future financial situation that is to come. My information was exposed due to the negligence of chase employees and chase has done little to nothing to secure their customers personal information.
Consumer complaint received 2021-10-28
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)

MY IDENTITY WAS STOLEN THREW TAX THIEF & XXXX DATA BREACH SINCE I CHECKED MY CREDIT REPORT AND FOUND THESE UNAUTHRIZED ACCOUNTS & INQUIRIES
Consumer complaint received 2018-07-02
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: EQUIFAX, INC. (CA)

There is a XXXX credit account on all three of my credit reports that show charge off and late payments. I never had chase account and was never made aware that I am an authorized user. 
The account number on the credit report is XXXX
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (NJ)

I have sent out letters to each of the credit bureaus by mail on XX/XX/22 regarding unauthorized inquiries posted on my consumer report. I have yet to receive any response or update regarding my claim. It has been more than 30 days and they have failed to look into this matter. as a consumer I have rights to privacy, which each of these credit bureaus have violated. Equifax, XXXX and XXXX also known as a financial institution have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information being shared to benefit for monetary returns. They are in direct violation of 15 USC 1681 ( b ) - It is the purpose of his subchapter to REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, they are also in direct violation of 15 USC 1681e ( b ) which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates, in which they have failed to do this. I have never given, authorized or verbally consented to any of these transactions.

Please be clear that no consent or authorization is IDENTITY THEFT! Their willful noncompliance has resulted in identity theft which I demand to Cease and Desist! Pursuant to 15 USC 1681a ( d ) ( 2 ) Congress makes it clear that a consumer report does not contain any transactions or experiences. As a result, I am demanding for the following transaction and or experiences to be deleted in accordance with my written instruction.
Consumer complaint received 2021-04-14
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. (CA)

Inquiries on my credit report that I did not authorize : XXXX via XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2021-10-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I seen inaccurate information on my consumer report and I tried to delete the accounts which I have attached to the letter. When I submitted the accounts to be deleted from my consumer report, the investigation results came back verified without any proof.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX and XXXX, 2019, I attempted to apply a security freeze on my credit report using Experian 's website. Submitting all my information correctly, I receive the following response : We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered They want me to do this through the mail with various forms of documentation, which is not entirely secure. It's also not within the time frame of which they should allow me to carry out this type of action.
Consumer complaint received 2024-03-04
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. (AL)

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 2019-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

I want to write a complaint for Zelle money transfer service. I am a XXXX XXXX and I was looking for potential roommates off campus at my local University so I could renew the lease on the house I was staying at since some of my roommates were leaving. One girl messaged me through a common roommate website used by students called XXXX and told me she was doing an internship out in XXXX but she wants a room in the house when she returns in XXXX for summer classes. She gets me in contact with her father so that he can send me a security deposit for the room. The check I received was for {$3300.00} instead of the {$850.00} for the security deposit. He tells me his job mustve sent me the wrong check and since he is " out of the country '' as well, he wanted me to deposit the check and to send him and his brother the rest back. I deposited the check and the balance showed up in my account so I sent him {$2000.00} total through Zelle believing the money was in my account. I sent {$1000.00} on XX/XX/XXXX and another {$1000.00} on XX/XX/XXXX. For the rest of the money, he convinced me to send it through XXXX XXXX. My XXXX XXXX order was placed on hold and they told me to call them. They asked me several questions and then they explained to me that I was a potential victim of scam. I believed everything was fine until I checked my banks mobile app again and it now says that the check has not been fully processed until XX/XX/23 and I realized that the check would bounce ( it ended up being a fraudulent check ). I tried calling Zelle to report the scam and they told me it wasnt their responsibility to report anything. I understand they do not want to refund any money but all I was asking was to help me locate the account and individual where my money was transferred to but they still refused. This is exactly how scammers get away with exploiting people. They know that banks and these money transfer companies are compliant and will allow them to continue exploiting people without any repercussions. Zelle did not have effective security measures such as XXXX XXXX which successfully blocked my transaction and helped me identify that this was a scam and blocked the transaction from occuring. Now that I realized I am a victim of a scam, I looked online and there are several reports and news articles explaining that Zelle is commonly being exploited by scammers because of their lack of security measures. Meanwhile, Zelle has not addressed to their clients that their services are commonly being exploited by scammers and they did not effectively warn clients through emails or other resources.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

The Credit reporting Agencies have been neglecting their duty to correct a consumer 's Credit File despite the multiple attempts to correct my Credit File via numerous Dispute letters and countless CFPB Complaints that I have been submitting to the Credit Bureaus. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. My information has been exposed in the XXXX data breach. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also, the Credit Bureaus have been claiming that the disputed accounts are verified and yet, they have not sent me copies of documents bearing my signature or proof of ownership to support the Credit Bureaus claims. This action by the Credit Bureaus is a clear violation of the consumer 's rights under the FCRA.
Consumer complaint received 2019-07-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

a years worth of collection robo calls to my number. I have excellent credit and have no out- standing debt. genesis debt collection agency out of washington state. a bout a year prior i received messages to my then new number ( still current number ) from a landlord trying to get money, obviously from the numbers previous owner. i do not want to speak to these people since i read much disturbing information about them. plus it has nothing to do with me.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Owed : {$0.00} Chapter XXXX XXXX  XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$600.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed XXXX {$600.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX