davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (CA)

On XX/XX/XXXX i proceeded to finally book a vacation package for my family. I can not afford it up front so i saw i could do " Monthly payments '' upon checking out on XXXX app. I was searching for days and my travellers ' names were all correct on XXXX and XXXX. 
However this site took me to Affirm ( the company to loan me the trip ) site to complete booking. I was never diverted to a page from Affirm to check my package before they said it's booked. I am careful so i immediately called XXXX to correct the last name of my stepdad. XXXX XXXX should be XXXX XXXX. I booked at XXXX. and by XXXX up to XXXXXXXX XXXX i was on the phone with agents. 
XXXX told me to call the airlines. I called XXXX ( who would take us to XXXX, and XXXX XXXX for our return ). Both airlines said XXXX needed to change it. One agent at XXXX XXXX said " i know exactly what is happening, don't let them get away with it ''! No joke. 
Not to mention my whole package processed by XXXX has the wrong name. I called them back to tell them the airlines can not. They insisted they would not change it and my only option is to cancel the flights. At the same moment i'm telling them i can not afford to pay for flights and can not find matching around the hotel and activities. 
They cancelled everything and said they would contact the hotel at XXXX to send them a message to make an " exception '' for me. 
I called the hotel at XXXX my time in XXXX. They said XXXX needed to send an email. So i called XXXX to send the email and gave them the hotel 's email address. 
By this time i'm also alerting Affirm. But their site wouldn't allow a dispute until the loan is approved. It took 3 days as the site showed " XXXX loan is processing ''. I don't know and have no way to know what XXXX sent Affirm. 
XXXX sent an email saying they will refund Affirm only a portion. 
Affirm is now telling me i owe them FOR NOTHING!!! 
THIS IS BLATANT FRAUD. STEALING. 
I finally fixed my credit enough to buy a house XXXX  for me and my little girl and now i will be ruined. I have no vacation. It was only going to be 4 days but i thought it would have been worth it since my parents never had a vacation like that ever! 
Please help... i was tricked and i never got a chance to fix their mistake and i was even told the transaction is VOID but they are still saying i owe. 
XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Affirm- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-24
Product: Credit reporting 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. (PA)

I am not in school so I dont why a student loan is open. I never opened these accounts so therefore I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2019-07-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (GA)

I am contacting you about the compromising of my social security number. I am a victim of identity Theft. I obtained a police report # XXXX. Please block and remove all information from my credit report. The following item do not belong to me and is a result of fraud that I did not authorize.
Consumer complaint received 2017-08-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

I do n't know these companies or debts, tried to reach out to get information on debt but nothing was sent or verified to me, I disputed withXXXX but it comes back as verified but I did n't receive anything, if this debt is valid ( which it should not be ) I did not authorize my personal information to be shared with a third party company I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of 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. I am also XXXX and have been receiving XXXX health insurance such as XXXX and XXXX which was presented as form of payment at every doctor appointment so I 'm not sure why there is even a debt to begin with.
Consumer complaint received 2017-08-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NY)

This complaint is in reply to a previous complaint # XXXX. Much of the reply from Citi was not true. I have the emails and letters I received from Citi. Citi said I did not send all documents requested. I have always returned all documents they requested. I have never taken a month to return documents. They are usually returned within a couple of days and not more than a week .I spoke with XXXX XXXX in early XXXX and I received an email from her on XXXX XXXX. If the underwriter reviewed my file on XXXX XXXX and found documents were missing why were n't these documents mentioned in the email I received from XXXX XXXX on XXXX XXXX when she told me the file was still on the underwriter 's desk and had not been reviewed yet? ( see attachment ). Also in my phone call on XXXX XXXX, I was told by someone named XXXX that my modification was turned down on XXXX XXXX and that a demand payment notice was sent. I never received either of these notices. Our account online was never updated as documents were sent in like it was for our previous modification so we did not know what was needed. Also XXXX XXXX did not advise me of the documents I needed, XXXX XXXX did in an email dated XXXX XXXX. ( see attachment ) And speaking of a delay, XXXX XXXX never answered any of my emails and why did it take so long for him to contact me with the necessary documents I needed to send them when I asked to reapply on XXXX XXXX? I did not receive his email with the necessary documents needed until XXXX XXXX and I had those documents returned by XXXX XXXX.
Consumer complaint received 2022-03-19
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)

I am XXXX XXXX XXXX a federally protected consumer. EXPERIAN is violating my federally protected right as a consumer by furnishing a consumer report without my written consent. this is a violation of 15 USC 1681 ( b ) ( 2 ).

As a federally protected consumer I am alarmed and seriously concerned that Consumer Reporting companies are consistently violating the law willfully. 

Please see the attachments as they provide proof that Experian is violating my federally protected consumer rights in many ways.
Consumer complaint received 2022-03-19
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. (VA)

Experian has elected to completely ignore my request to certify that they have complied with XXXX XXXX - XXXX XXXX. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has a reporting relationship : XXXX Compliance mandates that carbon copies ( Carbon Copies!! ) be sent out. Also, the regulation says that simply sending carbon copies to the other bureaus is not sufficient. They are required to send carbon copies to ALL the places they have reporting relationships with that they have shared that reporting with. This DOES NOT mean just for that one bureau, or for just the main 3 bureaus, but ANY data furnisher they do business with in regard to this client. This fact alone makes it virtually impossible to comply with XXXX reporting standards. Even providing that the XXXX has carbon copies, how would they construct hundreds of them for each individual that disputes or challenges an item on their credit profile? 

Before I pursue a claim in Small Claims Court, I'm giving Experian one last time to certify that removal of the following accounts was shared with XXXX and XXXX : XXXX XXXX XXXX XXXXXXXX  I specifically asked for this in Complaint # XXXX, filed on XX/XX/2022, and that case was closed without responding to this specific regulatory requirement.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I HAVE MULTIPLE ACCOUNTS ON MY CREDIT REPORT THATS INACURATE AND UNFAIR AND SOME ACCOUNTS ISN'T EVEN MINE. THE CREDIT REPORTING AGENCIES SUCH AS ( XXXX, EQUIFAX, XXXX ) HAVE REPORTED THESE INNACCURATE AND FRAUDULENT ACCOUNTS ON MY CREDIT FILE WITHOUT EVEN CONSULTING WITH ME TO EVEN FIND OUT IF THESE ACCOUNTS WHERE ACCURATE OR EVEN MINES.. AS I UNDERSTAND IN PURSUANT TO 15 USC ( A ) ( 2 ) UNDER THE FCRA THEY CANT REPORT ANYTHING TO MY CREDIT FILE WITHOUT MY CONSENT WHICH THEY NEVER DID.. MY CONSUMER RIGHTS HAVE BEEN VIOLATED..
Consumer complaint received 2022-03-19
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. (NJ)

I HAVE MULTIPLE ACCOUNTS ON MY CREDIT REPORT THATS INACURATE AND UNFAIR AND SOME ACCOUNTS ISN'T EVEN MINE. THE CREDIT REPORTING AGENCIES SUCH AS ( XXXX, XXXX, TRANSION ) HAVE REPORTED THESE INNACCURATE AND FRAUDULENT ACCOUNTS ON MY CREDIT FILE WITHOUT EVEN CONSULTING WITH ME TO EVEN FIND OUT IF THESE ACCOUNTS WHERE ACCURATE OR EVEN MINES.. AS I UNDERSTAND IN PURSUANT TO 15 USC ( A ) ( 2 ) UNDER THE FCRA THEY CANT REPORT ANYTHING TO MY CREDIT FILE WITHOUT MY CONSENT WHICH THEY NEVER DID.. MY CONSUMER RIGHTS HAVE BEEN VIOLATED..
Consumer complaint received 2022-03-19
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. (TX)

I recently checked my credit report and i noticed several accounts that are not mine. I have had my personal information stolen in the past but i never noticed anything until i checked my credit i will list the fraud account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX XX/XX/1990 last XXXX XXXX
Consumer complaint received 2023-09-24
Product: Credit reporting 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)

15 USC 1681b ( A ) ( 3 ) ( A ) Remove these hard inquiries from my credit file immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-19
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. (CA)

I am XXXX XXXX I repeatedly giving this corporation opportunity to cure these inaccurate information being reported on my consumer report.. I am very aware of the FCRA regulations. I AM A NATURAL LIVING PERSON. Per. 15 USC 1692 a ( 3 ) .The law states that I have a right to a accurate credit file and this company is continuing to update and fix this problem this is my third time giving this corporation a opportunity. Due to there negligence myself and family are XXXX  See Attached Documents. This corporation is in violation.
Consumer complaint received 2022-03-19
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)

I recently checked my credit report and i noticed several accounts that are not mine. I have had my personal information stolen in the past but i never noticed anything until i checked my credit i will list the fraud account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 My name is XXXX XXXX XXXX XXXX XX/XX/1990 last XXXX XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

On XX/XX/2022 I called XXXX XXXX to request that they send the statement of the alleged debt to me via mail so that I could settle the debt. I was denied that request and was told they only operate online and via email ; I was also told that they would not accept my method of payment. I also requested for them to stop reporting to my consumer report as it goes against my lawful rights and privacy and causing adverse affects in my life. I was also denied that request even after I sent them the laws they are required to abide by. On XX/XX/2022 I sent a cease and desist via email as they say they do not accept anything via mail and once again I received a response denying me of my requests, my rights, and my privacy.
Consumer complaint received 2023-06-09
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. (TX)

15 U.S.C 1692c - Communication in connection with debt collection ( A ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( A-1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( B ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

15 U.S.C 1692b acquisition of location information 15 U.S.C 1681 section 604 a -2 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 a : States that I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (FL)

I dont owe Professional debt money i have never done business with them, Im unaware of this company, the address of XXXX XXXX XXXX is a accommodation i paid in full some of the transactions were done in cash and the office manager told me to find someone in my place so that i dont owe anything and i did that.please remove this XXXX XXXX XXXX XXXX XXXX XXXX  all Credit bureau accounts.Thank you
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (UT)

XXXX exists to profit from the financial instability of students. This conflict of interest, particularly when considering they handle vast amounts of the XXXX XXXX monies, mustn't be taken lightly. It impedes social mobility. 

The Western world posits value-based sectors and companies are necessary to the framework of a free market, yet XXXXXXXX XXXX  deliberate disregard for the financial health of the individuals the company is supposed to serve calls into question its position. They would not exist if not subsidized by the Federal Government and abuse the fact the XXXXXXXX XXXX  finances, in theory, can not be untangled from those of the company due to their long-standing relationship and data structures. Such realities have benefited their bottom-line rather than the individuals forced into using their products by the XXXX. 

They referenced the entire sum of my XXXX XXXX on what creditors refer to as the " XXXX XXXX '' of a given loan. Half of that amount was the legitimate sum owed -- and yet they've failed to correct such discrepancies despite my asking. Furthermore, a representative of the XXXX  advised me that no payment was necessary for the next several months due to the CARES act, adding no accounts would go into collection if one chose to hold off on said debts. 

Most folks ' credit-based foundations are nascent when first entering college. It is highly callous to sabotage their financial future and stability by contracting with a company that cares little for those Americans taking their first steps into adulthood, provided credit scores affect one 's ability to get hired, obtain lines of credit, and virtually every other aspect or strata where social mobility is relevant.
Consumer complaint received 2019-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

LVNV Funding, LLC has not responded with any valid evidence that the debt they claim I owe them is legally theirs to do so. What I receive are poor quality copies of credit card statements. There is absolutely no evidence they are legally obligated to collect from me. 

LVNV filed a judgement against me XXXX # XXXX but due to health issues and not able to fight this it was dismissed as a hardship case. I to this day have no evidence this debt is really mine or who the real owner is. I have yet to see a signed contract.
Consumer complaint received 2023-06-09
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. (TX)

Its over twenty hard inquiries on my credit report and this has caused hardship and mental mental anguish for me. The Fair Credit Reporting Act ( FCRA ) has a strict limit on who can check your credit and under what circumstance. The law regulates credit reporting and ensures that only business entities with a specific, legitimate purpose, and not members of the general public, can check your credit without written permission. Also its been over 15 days for the compay to respond and this is a violation. Seeking filing for compensation due to the negligence and the improper use of my credit. Remove inaccurate inquiries. XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX I ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2020-02-21
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. (PA)

on XX/XX/XXXX I opened a mortgage with XXXX  XXXX, later XXXX XXXX   XXXX  started to service this loan. This amount of this mortgage was XXXX. This mortgage was included in a chapter XXXX that was successfully discharged XX/XX/XXXX. furthermore, this said mortgage amount was paid off due to the property being sold.