davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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: ALLY FINANCIAL INC. (GA)

I am writing to bring to your attention a matter of concern regarding certain inquiries on my credit report that do not appear to be accurate. As a victim of identity theft, I have taken necessary steps to rectify the situation and protect my financial well-being. However, it has come to my attention that several companies have made inquiries that I believe to be excessive and potentially erroneous. 

I kindly request that you investigate the following companies in relation to the mentioned inquiries on my credit report : 1. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2. Ally Financial : - Dates : XX/XX/XXXX, and XX/XX/XXXX 3. XXXX XXXX XXXX : - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 4. XXXX XXXX  : - Date : XX/XX/XXXX Considering the circumstances surrounding my identity theft case, I find these inquiries to be excessive and potentially indicative of fraudulent activity. I request a thorough investigation into these inquiries to determine their legitimacy and ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I would like to emphasize the importance of ensuring a watermark-set signature for validation of my authorization to check my credit. This signature serves as evidence of my complaint and supports my request for inquiry removal. It is essential to protect consumers from unwarranted inquiries and safeguard their creditworthiness. 

I intend to contact the XXXX XXXX XXXX ( XXXX ) and the Attorney General 's office to seek compliance and support regarding FCRA guidelines if necessary. I appreciate your assistance in resolving this matter promptly and ensuring the accuracy and integrity of my credit report. 

Thank you for your attention to this inquiry removal request. I have enclosed a copy of my identification and any supporting documents that may assist in the investigation. Please do not hesitate to contact me if you require any additional information or if there are any updates regarding this matter.
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc (AR)

I am writing to submit a complaint regarding the company XXXX and its affiliation with XXXX XXXX. I recently received a debt collector 's notice on XX/XX/2023, indicating that I owe {$2000.00} to XXXX through XXXX XXXX. However, I believe that I should not be held responsible for this payment, and I would like to present a compelling argument based on my email communication with XXXX. 

On XX/XX/2023, I emailed XXXX at XXXX, explaining my situation and expressing my inability to continue the course due to unforeseen circumstances. I stated that I had been involved in a car accident on XX/XX/XXXX, which resulted in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently undergoing XXXX XXXX for these injuries, and it is uncertain whether they will permanently or temporarily impact my daily life. The accident has also profoundly affected my XXXX XXXX, plunging me into a XXXX XXXX. 

The debt collector 's notice I received on XX/XX/2023, was the first correspondence from XXXX or XXXX XXXX since my initial emails. I expressed my hope that I could halt my progress in the course and cease being charged, considering my inability to work due to my injuries. 

In my communication with XXXX, I outlined that I had enrolled in their program enthusiastically, as I am genuinely interested in the subject matter and courses offered. However, my physical and mental health conditions have significantly impacted my ability to continue. I am currently undergoing therapy for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which causes considerable pain when using a computer or typing for extended periods. This, in turn, has affected my motivation and time management. 
I made a sincere request to step back from the course without facing any financial repercussions. I emphasized that should I decide to pursue a career in XXXX XXXX in the future, Avocademy would undoubtedly be my preferred choice. I suggested that XXXX reconsiders its policies and adopts a more compassionate approach to individual circumstances, as treating everyone equally does not mean treating everyone the same. 

Additionally, I mentioned that I have already contacted XXXX, the payment platform associated with XXXX, to dispute the remainder of my payments. I provided them with our email correspondence, medical documentation, and the accident report as evidence. I have also engaged the services of a lawyer to pursue compensation for my injuries, car damages, and pain and suffering. I am currently unemployed and unable to receive unemployment benefits due to being classified as " XXXX. '' I would like to express my deep appreciation for your attention to this matter and for considering my request for an exemption from payment.
Consumer complaint received 2021-06-11
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: SUNRISE CREDIT SERVICES, INC (TX)

XXXX XXXX XXXX XXXX Sunrise Credit XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 The following items are listed fraudulently on my credit report. I have not did business with these companies or authorized them to run my credit.
Consumer complaint received 2021-06-11
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. (AL)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  & on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2018-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I had been helping my spouse out and paying my rent and bills and one day I went to go take care of a bill and a agent at XXXX  told me I thought you were blocked from sending money a long time ago and she proceeded to send my transaction for my bill and I went home and had my receiver try to get there money it said it was available but when they went to receive it 2 days later I had to call them and they refunded my money in the meantime I called XXXX  and asked a manager why would she say that she said call in the morning when all the money center representatives and managers are available so I went up there the next morning and got a manager and she asked her to tell me why she said that and she said we had several rumors going on so we called MoneyGram and had your name blocked from sending or receiving money I asked them to fix it they got a attitude with me and told me to call up there and fix it I lost a lot of money behind them playing games with my name MoneyGram advised me my name is just blocked forever behind what they did I would really like them to fix this issue I also filled a complaint with there company at XXXX XXXX  complaint number XXXX that I filled in XX/XX/2017 when they told me how they slandered me and my receivers name
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

I have tried for a few years to have a derogatory acount taken off of my credit from simply bee that was not me. I never authorized the card, had the card, used the card or signed for anything to do with the card or charges. XXXX  and XXXX  are saying they confirmed it was me. That is impossible as it wasn't and could not have been. XXXX XXXX agreed it was not me and deleted it finally but XXXX  told me to file a complaint and send them the complaint for as well as the XXXX XXXX findings and deletion from my credit report. I did call simply be and they said they had no information except they sold the debt. They gave me a number to call and that number went to a closed company. Could not talk to anyone. So how cold a closed company nor simply bee say it is confirmed it was me when it is impossible.
Consumer complaint received 2020-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NH)

Specialized Loan Servicing accepts my electronic payment every month with the additional funds I send to be applied to princ. and they continue to instead take the extra funds and advance my next due payment date. This is in direct violation of the loan note, which says that payments will be applied in the following way : first interest due, then any fees/late payments due, then the balance to principal. Since XXXX of 2019, I have had to call every month to have them go in and reverse the " extra payment that advanced my next due date '' and appropriately put the extra funds to principal. Each month the associate that answers tells me there is no supervisor on staff to help me and she can only forward my name to a supervisor and I'll get a call back. I have not had a single call back from a supervisor to discuss this problem. That's five calls, five requests over five months, and not one return call from anyone. I went on line in XXXX and asked for a call via the on line chat and got nothing.
Consumer complaint received 2024-03-04
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 thoroughly reviewed my credit report, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Consumer complaint received 2024-03-04
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. (IN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX To : XXXX/Experian & Attorney General/Consumer FinanceXXXX. 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B Again, I am in receipt of a credit file that indicates more fraudulent activity, in the form of Collection Agencies demanding that I pay them monies for accounts that I have never engaged in setting up! Also, there are credit account inquiries on my reports that shows applications for credit that I have not engaged in and should be immediately removed without prejudice! 

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in 2018 The affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX AMT :  {$650.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX 2019
Consumer complaint received 2019-10-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 360 Mortgage Inc. (LA)

On XX/XX/2019 at XXXX XXXX I sent a correspondence to XXXX at 360 Mortgage, Inc. I'd spoken to XXXX earlier that day after visiting the companies website to file a complaint about the service I was experiencing at the time. I've emailed this gentleman one more time since the initial correspondence and have not yet received an answer as to what went on with my loan application. My credit was pulled by the loan originator at this mortgage company. I have all correspondences to the gentleman and the loan officer including texts. The initial email correspondence read : " On XX/XX/2019 I reached out to XXXX XXXX regarding doing business with your company. 360 Mortgage, Inc. came highly recommended by a friend and colleague for possibly getting difficult deals like mine done. 

XXXX and I corresponded via email and text messaging and I submitted all the items requested as soon as possible. When she pulled my credit, I hadnt yet lifted the security freeze off of one of the credit reporting agencies, but did so immediately upon learning from her that she was only able to obtain two of them. I learned last week that she still hadnt obtained a report from the third agency and thats when it occurred to me that my application probably wasnt being processed. I have all text and email correspondences between she and I. Im not sure where things went wrong but Im perplexed at how business has been handled. 

Thank you for reaching out so promptly and if there are any other questions or concerns, please dont hesitate to contact me at any time. 

Sincerely, XXXX XXXX ''
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

XX/XX/2022 I received an email stating I had an online transaction of {$230.00} on my Citi XXXX XXXX from XXXX. I called them right away and disputed the charge. They sent me a form to fill out and send back, which I did, and figured it would all resolved. 
XXXX XXXX I received a bill from XXXX for {$2700.00} for the unpaid phones. I had been ignoring mail from XXXX since I thought the credit card company had handled the unauthorized transaction and it wasn't valid. 
XX/XX/2022 I received a notice from a debt collection service for {$2800.00} for the unpaid bill from XXXX XXXX 
XX/XX/2022 I called Citi about the situation and they did nothing about the disputed charge. XXXX, billing specialist, found the letter I returned to them and sent it to the company XXXX. I am waiting to hear back from them.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I reviewed my credit report and saw some fraudulent things. I called the credit bureaus and filed a police report.I sent the report to the bureaus and received only few results. Experian sent a letter and said they couldn't verify me and pretty much rejected my police report. Also everytime I call them they disconnect my call. I understand that they are in the business of making money with selling consumers information and even making billions on the stock market with our information without our consent. This isn't cool these fraudulent activities are ruining my credit score and that is holding me from making progress with my life. Please help me with all of these issues. ( Experian )XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} # XXXX  this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX {$1400.00} # XXXX  this account is NOT mine. XX/XX/XXXX XXXX  {$790.00} # XXXX  this account is NOT mine. Inquiries XX/XX/XXXX XXXX XXXX XXXX NOT mine, XX/XX/XXXXXXXX XXXX XXXX, NOT mine, XX/XX/XXXXEXPERIAN BUSINESS CRED, NOT mine. ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX  {$790.00} # XX/XX/XXXXthis account is NOT mine. XX/XX/XXXX XXXX {$0.00} # XXXX  this account is NOT mine. ( XXXX  )XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} # XXXX  this account is NOT mine.XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} # XXXX  this account is NOT mine. Inquiries : XX/XX/XXXX XXXX  NOT mine, XXXX XXXX XXXX XXXX /XX/XX/XXXX NOT mine, XXXX XXXX XXXX XX/XX/XXXX NOT mine, XXXX XXXX XXXX XXXX /XX/XX/XXXX Not mine. These accounts are NOT mine and the credit reporting companies listed above is continuously allowing creditors to violate my rights. PLEASE HELP ME WITH THESE ISSUES.
Consumer complaint received 2022-09-04
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: Atlanticus Services Corporation (NC)

XXXX, XX/XX/2022. XXXX $ I called company told them I was Very XXXX and was out of work, I would do what I could but pls dont put dilquent payment on my report,
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (LA)

On XX/XX/2021, I had written to MOUNTAIN RUN SOLUTIONS LLC, and ask that they validate the debt. I received a validation letter from them and it was not my signature. Which I already knew because this debt had been sold from a previous collection agency that I had to contact you about before. 
In their response letter on XX/XX/2021, included the falsified signature which I knew, and a letter stating they purchase the debt from XXXX whom I have never signed a contract to do any business with. In the letter, they stated I can settle the debt for {$2000.00}. 
And they sent the response letter in an envelope with their logo and name posted boldly on the front of it. 
I wrote them another letter on XX/XX/2021, letting them know about the FDPA act and to please send me {$2000.00} dollars for a violation of my rights. They turn around and sent me the same information on XX/XX/2021. And never removed it from my credit report.
Consumer complaint received 2023-06-26
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PNC Bank N.A. (MD)

XX/XX/XXXX, I received from XXXX XXXX XXXX Notice of Intent to Foreclose for a lender and amount ( XXXX ) I was unaware of. When disputed, they informed me of the original debt was with PNC Bank. While, I was familiar with PNC, the debt was charged off in XXXX. For seven years, there was no communication from PNC or XXXX XXXX XXXX XXXX, indicating it had been turned over to a new servicer. 
Throughout the dispute, XXXX XXXX XXXX XXXX back dated interest, and late fees from XXXX until the XXXX to support their Intent to Foreclose notice. All of which was discovered during the process of negotiation with me hiring an attorney. XXXX XXXX XXXX XXXX agreed to forgo additional fees and only to pay $ XXXX However, they submitted updated Notice of Intent to Foreclose for $ XXXX themselves as 1st Position. The information regarding Loss/Mediation wasn't forwarded to me until XXXX of XXXX It was later discovered that XXXX XXXX XXXX XXXX was not licensed to act as a debt collector in Florida, Maryland or anywhere on the consumer licensing information site. Since they are unlicensed and my former attorney informed them they were to cease with collecting, that have now signed my Deed of Trust over to XXXX XXXX XXXX. Unfortunately, my attorney has withdrawn from the case and I am left without any resolve.
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (NV)

Evergreen note, called a person not listed on the account ( my daughter ), and proceeded to accuse her of lying that she was in fact me and provided confidential information. I returned XXXX XXXX phone call and notified her that the debt was paid at the end of XX/XX/XXXX. She reported that it was not. I told her that I had a report from XXXX XXXX that shows the payment was paid in full. She then told me that some of her other clients don't report to XXXX XXXX, so even though I had a report from XXXX XXXX showing the account was paid in full, it may not be so.

I then proceeded to ask her to only contact me in writing, and she told me that she wouldn't send me anything and this would be on my record forever. She also told me that she has been a debt collector since XXXX and is fully aware of what to do under the FDCPA.