davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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. (GA)

I am writing to express my deep frustration and dissatisfaction with the lack of progress in resolving the fraudulent items on my account, despite multiple attempts to rectify the situation. 

I have diligently followed the appropriate procedures and channels to report and dispute the fraudulent items appearing on my account statement. I have provided all necessary documentation and evidence to support my claims of unauthorized transactions. However, despite my numerous attempts, the fraudulent items have not been removed from my account. 

This ongoing delay in addressing the issue is unacceptable and has caused significant distress and inconvenience. Not only do these fraudulent transactions compromise the security of my account, but they also tarnish my financial reputation and integrity. 

I demand immediate action to rectify this matter and promptly remove the fraudulent items from my account. Additionally, I expect your institution to conduct a thorough investigation into the source of the fraudulent activity and take appropriate measures to prevent similar incidents from occurring in the future. 

Furthermore, I request regular updates on the status of the investigation and the actions being taken to resolve the issue. It is essential that your institution demonstrates transparency and accountability in addressing this serious matter. 

Failure to take immediate action to resolve this matter will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lincoln Educational Services Corporation (IL)

As a federally protected consumer. 
I am currently being harassed by multiple debt collectors. Most of these debt collectors have sent me statements to collect a debt on a POSITIVE balance, if anything I should be the one getting paid.Based on the FDCPA 15 USC 1692 them sending me statements makes them a debt collector .Since they are NOT the original collector this makes them a Third-party debt collector .As a consumer I have the rights to know how much was this sold for or the commission it was assigned. ALL of this so far are violations to the LAW. I have asked for validation and a signed contract between me and the third party debt collectors, which they have not sent me only statements and statements does not mean contract by any means.With this being said that is under violation as well and considered fraud because they unknowingly put me under contract and tarnished my credit report and reputation .Which is another violation. Under the FCRA 15 USC 1681 THESE debt collectors ruined my " reputation " with a bad debt and furnished it to my credit report. The debt also states " failure to pay this debt will result in us furnishing this debt to ANY or ALL consumer reporting agencies. '' This is considered a threat. The word debt is in fact obscene and profane. Last but not least as mentioned before the papers sent to me are all in a positive balance if I OWED anything to these unknown people the balance will be negative because it is impossible to pay a positive off, therefore this means its been paid with my social this entire time .Is there a way of reimbursement? 



The companies im talking about are : XXXX XXXX Amount : XXXX Date : XXXX lincoln Tech amount : XXXX Date XXXX XXXX XXXX XXXX  amount XXXX date XXXX XXXX XXXXXXXX XXXX XXXX amount - {$1000.00} dateXXXX XXXX XXXX
Consumer complaint received 2017-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc. (TX)

I received a phone call from ARA, lnc. ( Asset Recovery Associates ) onXX/XX/XXXX phone XXXX on my cell phone at XXXX XXXX. XXXX, with ARA said she was calling to collect a debt I owed for a XXXX account with XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. I told her I have always paid all my bills and I do not owe any money to XXXX XXXX XXXX and my credit score is very high. She asked if I went through a divorce in the XX/XX/XXXX and maybe the bill was my ex-husband 's and I did n't pay it. I said it was none of her business if I was divorced or not and that she must have the wrong person. She said my social security number and said something was sent to my previous address ( from 9 years ago ). I told her that was not my address anymore and I had n't lived there in years. She then said my current address. She said they were going to file a judgement against me. I asked her how much she was claiming I owed and she said {$11000.00} from the XX/XX/XXXX 's but with interest and fees of {$16000.00}, the balance was {$27000.00}. I told her that was impossible and she would have to send me an itemization of the charges. She said I would have to contact XXXX XXXX XXXX to see if they archived the statements for the account. I told her I thought this was a scam and she got very rude. She said if she was a scammer with my social security number, she would be opening credit card accounts in my name and using them to make money. I asked again for something from XXXX XXXX XXXX, stating that I owe them money. I said the debt she was talking about was so long ago that it was n't on my credit report and I did n't think it could be collected, even if i owed it. She said she would send me a letter via XXXX to my home. I received the XXXX letter today with a XXXX XXXX XXXX Account number stating that ARA has agreed to a settlement of {$5600.00} to be paid by XX/XX/XXXX and when paid they would not report derogatory information to the credit bureaus. If not paid, the full balance of {$27000.00} will become due. I read online that XXXX XXXX XXXX became inactive as of XX/XX/XXXX and merged and is operated as part of XXXX. I also read lots of complaints about ARA, Inc. making these harassing calls, with no right to do so. It is my understanding that the statute of limitations in Texas is 4 years. Even if this debt is legitimately due, the statute of limitations for debt 25 years ago has expired and it is my understanding they ca n't call me to try and collect it. What do I say to this company when they call again and what my recourse to keep them from harassing me? Is this even legal? It seems like a scam. Should I notify credit bureaus that this company has my social security and other confidential information? Thank you.
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

This issue is NOT IN LITIGATION In XXXX of 2021 a conversation was held between myself XXXX XXXX XXXX and attorney XXXX XXXX XXXX of XXXX XXXX, XXXX the JP Morgan Chase Bank, NA representative where this attorney does in fact represent also XXXX XXXX whom I requested 2 FOIA 's on in the past few years, that have STILL gone unanswered by Fannie Mae. Please see the affidavit by myself XXXX. 

I have just received TODAY in the postal mail a payoff quote which I DID NOT REQUEST!!! This representative of Chase refuses to answer the obligated by law to answer the FOIA 'S and instead has sent me a payoff quote while not only violating the FOIA laws but also breaching many rules/laws as an attorney. This attorney Needs to answer the two FOIA 's!!! JP Morgan Chase Bank, NA can not ignore the laws!! nor her!!! This is NOT in litigation and Chase refuses to stop ignoring these NEW identified crimes NOT IN LITIGATION!!! YET!!! 

In addition this is an obsolete mortgage as of XX/XX/2021 on top of the Promissory Note And the Mortgage papers are photocopied and forged!!!
Consumer complaint received 2023-03-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have repeatedly informed Equifax, XXXX, and XXXX of inaccurate information that's being reported on my credit file. The first dispute was sent to all three bureaus on XX/XX/2022. I did not receive a response from my dispute. I also sent a dispute to the company furnishing inaccurate information to the credit bureaus, but still -- I did not receive a response. I repeated this dispute in XXXX of XXXX, and again in XX/XX/2022. Still no response. 
The inaccurate information has prevented me from being approved for a mortgage. I ask that CFPB investigate this matter on my behalf.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

On all 3 of my credit reports XXXX XXXX reported the credit card was charged off XX/XX/XXXX however that is inaccurate information. The card was charged off fraudulently XX/XX/XXXX. The late fees were refunded because XXXX XXXX know they made a mistake and still forced me to pay for interest for a card that should have been closed XX/XX/XXXX. However They have reported the card charge off date as XX/XX/XXXX which is not true. It was charged off XX/XX/XXXX. 
Since XXXX XXXX had failed to correct inaccurate information on my credit report damaging my credit report I ask the info completely be removed. Also the card in question is involved in a class action law suit against XXXX XXXX. The information by law should be removed until the litigation is completed.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX  has send me a letter stating the account is not delinquent but the servicing company XXXX XXXX  hired by XXXX XXXX  is reporting incorrect information to the credit bureaus and reducing my credit scores. Documents showing the same are attached.
Consumer complaint received 2019-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (GA)

On XXXX I was given a loan in the amount of {$3700.00} by Omni Financial, I had made several payments since the start of the loan and called to see what my current balance was only to hear that it was still {$3000.00} and change. I asked if there was a way to pay more monthly and was told that the allotment amount couldn't be changed. I was told I had to set up an allotment and have the monthly payment come out of my check every month as the only way to pay back the loan. I came across the Military Lending Act which states " No mandatory allotments. A creditor cant require you to create a voluntary military allotment in order to get the loan. An allotment is an automatic amount of money taken from your paycheck to pay back your loan. '' I believe Omni Financial has violated this act.
Consumer complaint received 2024-03-05
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)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my frustration and disappointment regarding the persistent delays in correcting the late open accounts and the removal of public records from my financial records, despite numerous attempts to rectify these issues. 

It has come to my attention that there are inaccuracies in my financial records, specifically related to late open accounts and public records that have been erroneously reported. Despite my repeated efforts to address these discrepancies and provide supporting documentation, the necessary corrections have not been made. 

These inaccuracies have had a significant impact on my financial standing and creditworthiness. As a responsible consumer, I have diligently maintained my accounts and fulfilled all financial obligations. However, the presence of these inaccuracies unfairly tarnishes my credit history and undermines my financial credibility. 

I demand immediate action to correct these errors and ensure that my financial records accurately reflect my financial history. It is imperative that the late open accounts are rectified, and any public records inaccurately reported are promptly removed from my records. 

Furthermore, I expect your institution to implement measures to prevent similar errors from occurring in the future and to provide better support and assistance to customers facing similar issues. 

Failure to take immediate action to resolve these matters will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. 

Thank you for your attention to this urgent matter. I trust that you will act swiftly to address my concerns and restore the accuracy of my financial records. With this, I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX  XXXX XXXX Balance Owed : {$1000.00} I have serious doubts regarding the accuracy of the reported late payment dates. I firmly assert that I made all payments on time as required. I demand that you promptly report the payment status as positive and eliminate all late payment entries from the reporting associated with this account. Your immediate action to sort out this matter is expected. 
XXXX XXXX XXXX Balance Owed : {$2100.00} The presence of a 30-day late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected. 
XXXX  XXXX Bankruptcy Reference # : XXXX The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Consumer complaint received 2024-03-05
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. (GA)

XXXX XXXX XXXX XXXX, ACCOUNT # XXXX WAS PREVIOUSLY DISPUTED VIA CERTIFIED MAIL AND SENT TO YOUR AGENCY. A RESPONSE OF " Account previously in dispute - investigation complete, reported by data furnisher '' AND " Account previously in dispute - Now resolved by data furnisher '' AND " Dispute resolved; reported by grantor '' WAS PROVIDED 30 DAYS AFTER THE DISPUTE. BUT IT IS TO MY UNDERSTANDING THAT THIS ACCOUNT IS STILL INACCURATE AND REPORTING DIFFERENT INFORMATION ON ALL THREE CREDIT BUREAUS. INSTEAD OF ASKING FOR A REINVESTIGATION, I AM REQUESTING FOR THE DELETION OF THIS ACCOUNT DUE TO THE UNLAWFUL MISTAKES BY THE XXXX CREDIT AGENCY. 



XXXX. XXXX, ACCOUNT # XXXX WAS PREVIOUSLY DISPUTED VIA CERTIFIED MAIL AND SENT TO YOUR AGENCY. A RESPONSE OF " Account previously in dispute - investigation complete, reported by data furnisher '' AND " Account previously in dispute - Now resolved by data furnisher '' AND " Dispute resolved; reported by grantor '' WAS PROVIDED 30 DAYS AFTER THE DISPUTE. BUT IT IS TO MY UNDERSTANDING THAT THIS ACCOUNT IS STILL INACCURATE AND REPORTING DIFFERENT INFORMATION ON ALL THREE CREDIT BUREAUS. INSTEAD OF ASKING FOR A REINVESTIGATION, I AM REQUESTING FOR THE DELETION OF THIS ACCOUNT DUE TO THE UNLAWFUL MISTAKES BY THE XXXX CREDIT AGENCY. 



15 U.S. Code 1681e - COMPLIANCE PROCEDURES ( b ) ACCURACY OF REPORT 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.
Consumer complaint received 2015-07-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

The credit bureaus are now limiting how and when your account information can be investigated. Because I disputed information on my mortgage account over a year ago, XXXX will not allow me to dispute any information again on the account unless I go through a lengthy process of re-submitting additional information and substantiate my requests. This is how the credit bureaus are going to work around and not truly help the consumers and maintain control while limiting any negative reputation towards creditors. I think it 's wrong! If it 's been over a year and I need to dispute the same account, I should be allowed to without any hassle and resistance. The bureaus are supposed to be there to help us ensure creditors are not abusing their power and accurately reporting. They should not be limiting/controlling how and when I need to make complaints on an account.
Consumer complaint received 2024-03-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am formally notifying you that if the appropriate steps to rectify this situation are not completed within 10 days, I will file a complaint with the FTC. You are required by law to respond to me within 15 days. Non-compliance can result in fines up to {$1000.00}. 
Please provide the detailed procedures taken when obtaining the investigation results for XXXX XXXX XXXX within 10 days to avoid further action.
Consumer complaint received 2023-02-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I was reviewing my credit report and noticed so items reported on my credit report. I noticed the listed debts below on XXXX, Equifax and XXXX ). I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

I have made several attempts to send validation of these debt. I have still not received with 30 days of any proof of this debt.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-27
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. (IA)

Over a year ago I disputed a fraudulent XXXX XXXX Credit Card on my credit profile a long with sending in police report. Equifax claimed after investigating that the account was mine. I sent the same police report and filed a CFPB complaint against XXXX XXXX ( CFPB # XXXX ). XXXX XXXX sent me a letter dated XX/XX/2017 stating the account was fraudulent and they will stop reporting to credit bureaus. I again disputed the account with Equifax. They have not deleted that account from my credit profile.
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: EQUIFAX, INC. (WA)

IN ACCORDANCE WITH THE FCRA THESE CREDITORS HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER.
Consumer complaint received 2022-12-16
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. (GA)

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.