davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2017-09-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I do NOT have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for this collection from XXXX XXXX. I am not responsible for this debt with Portfolio Recovery Associates.
Consumer complaint received 2021-07-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (UT)

CBE Group repeatedly sends letters trying to collect a debt that I do not owe. I have requested twice to dispute the debt and for them to cease contacting me as per FDCPA. 

I have explained that it was a result of a crime and I was assaulted. The police forced me to go to the hospital. I told the hospital I did not want treatment and that it was a concussion. The hospital forced me to sign a release before they would let me leave. I signed the release and walked home in the middle if the night. 

CBE Group has been given the case, judge, DA, explanation, etc. They even put a negative mark on my credit. When I disputed the negative mark, CBE removed it. Now they are trying a third time to collect. It is NOT my debt.
Consumer complaint received 2023-08-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Mobiloans, LLC (NE)

The customer service representative will not verify my identity unless I provide them my full social security number, date of birth, zip code, email address, phone number, bank routing number and bank account number. I dont feel comfortable giving them all that information and feel its a bit excessive in order to confirm my identity. I did, however, provide all the information excluding my banking information and they said unless I provide all my personal information, they are unable to answer any specific questions about my account and would only be able to answer general questions. I feel this violates my rights and privacy and raises the risk of potential identity theft.
Consumer complaint received 2022-08-30
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: Experian Information Solutions Inc. (NJ)

Dispute Department Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and these inquiries were unauthorized. I ask that the items be deleted from my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible, as they are preventing me from opening new lines of credit. 

Fraudulent Inquiries -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my numerous attempts to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8300.00} XXXX XXXX  Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (FL)

Yesterday, we received our Chase Visa bill, which contained a {$25.00} late fee and {$5.00} interest charge on a prior balance of {$430.00}. Trouble is, we had paid the bill in its entirety, and on time, as we have for the past XXXX years. When we received it, in late XXXX, I set it up for electronic payment with our bank for XXXX XXXX, a Friday. It was due on XXXX XXXX, a Sunday. The bank paid it on time, and when you pay electronically, the money is received a few moments after it 's sent
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (NC)

I am writing this letter due to the actions that Credit Control , LLC has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Credit Control , LLC, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Since XXXX of this year I have written in to all three credit reporting agencies to address accounts being reported inaccurately. The accounts that are not being reported accurately are XXXX XXXX, XXXX XXXX XXXX, and Capter XXXX bankruptcy. XXXX XXXX is still reporting late payments when the account has been closed/ paid in full. XXXX XXXX XXXX is invalid because the account is not mine and should not be on my credit file and lastly the Chapter XXXX Bankruptcy is not mine, no monies owed, being reported inaccurately also to my knowledge all public records that are not being reported accurately were to be removed XXXX XXXX, 2017 which also has not happen in my case. I have sent all companies formal written disputes none have replied with supporting documentation of the debt being valid or verified. I have written in to all three credit reporting agencies to have these accounts removed which also to this day has not happen.
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Since XXXX of this year I have written in to all three credit reporting agencies to address accounts being reported inaccurately. The accounts that are not being reported accurately are XXXX XXXX, XXXX XXXX XXXX, and Capter XXXX bankruptcy. XXXX XXXX is still reporting late payments when the account has been closed/ paid in full. XXXX XXXX XXXX is invalid because the account is not mine and should not be on my credit file and lastly the Chapter XXXX Bankruptcy is not mine, no monies owed, being reported inaccurately also to my knowledge all public records that are not being reported accurately were to be removed XXXX XXXX, 2017 which also has not happen in my case. I have sent all companies formal written disputes none have replied with supporting documentation of the debt being valid or verified. I have written in to all three credit reporting agencies to have these accounts removed which also to this day has not happen.
Consumer complaint received 2023-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

This is not a regular dispute. Take action immediately you are in violation. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC (NC)

I am writing this letter due to the actions that XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with XXXX XXXX XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XX/XX/year>
Consumer complaint received 2023-03-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

I called Navient several times over private loan fraud and requested a letter for proof of signature of this loan since filing it with CFPB to go now where. I filed a complaint with the Attorney General which I finally received a letter of no signature on file from Navient and the Attorney General Dismissed the private loan. The problems with Navient to reach customer service and trying to upload documents on their website for school closure for XXXX XXXX to receive no responses when filing this several times with them. They indicated it was involved to recent students for school closing when I won a case with the Attorney General office for a lawsuit of fraud for misrepresentation of my cases from the Attorney General for fraud. I requested for the school closure to be removing XXXX debt since having to transfer credits that XXXX XXXX XXXX indicated that they would honor which they did not. I put this for a whole other complaint with CFPB of transfer of credits while charging me for an entire program of funding from FAFSA. The final issue with Navient was payment arrangements to be setup and while during the COVID issue for putting it under forbearance while charging me interest on the loans during this time. Since the transition from XXXX to XXXX ; my income has dropped to almost half, while inflation has tripled in the past two years. I could only find contract work which almost made me homeless twice and while finding an alternative to move out of the city near family to assist with economic hardship. I have no way of paying my loans due to XXXX and XXXX XXXX XXXXXXXX fraudulent misrepresentation of loans and while working on a XXXX XXXX with XXXX for telling me that a XXXX XXXX wasn't going to be enough for future roles. I went from making XXXX to XXXX while living with my son due to inflation. I am looking to have my loan situation with student loans to be handed through economic hardship and have applied for putting my name on lists for these programs. My loans are standing at XXXX and no way to pay back these loans due to hardship. I am currently XXXX with XXXX in both arms, neck, and shoulders from the type of jobs in the past from falling. I am working on getting XXXX in the near future as well. I am adding this complaint for Navient over interest to loans due to forbearance that did not allow me to make low payments that I could afford. I am adding a complaint for not removing XXXX loans for school closures that I hope to get resolved through CFPB. I plan on filing another Attorney General complaints with this complaint. I am looking for my loans to be declared for an emergency of clearance due to financial hardship and under XXXX of approaching XXXX  years of age. I will not be able to work much longer due to limitations.
Consumer complaint received 2020-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

My name is XXXX XXXX.Recently, I found out that I was a victim of Identity theft after receiving an attempt to collect a debt from Discover bank. I believe that I have never had any outstanding debt with Discover and I have never received any type of communication regarding this fraudulent account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.
Consumer complaint received 2022-08-30
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. (IL)

I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Transunion has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that is done so in a manner that is fair and equitable. Transunion has failed to do this. In XXXX and XXXX of 2022, I mailed letters to this agency asking for validation of several accounts on my credit report and I was ignored. These accounts must be removed immediately as they have damaged my character and are hindering my ability to provide for my family.
Consumer complaint received 2022-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc. (FL)

XXXX Business Account # XXXX XXXX XXXX XXXX XXXX Charities : XXXX never sent a finale bill out as to the return of there equipment was return. 
I was also informed that once that got the equipment back they could not send out a finale bill and it could take up to once the equipment return 30 days to process before i would get a bill. 
I got a bill and call them several times being 8 times in one month a rep would call back every time when you call XXXX is another state not even in XXXX XXXX and nothing but the run around with spectrum. 
McCarty Burgess & wolf contacting me before it was even 30 days of the account closing harrassing me about the bill and threating me. 

MC Carty Burgess & Wolff XXXX XXXX XXXX XXXX OH XXXX Phone # XXXX XXXX Mc Carty Burgess & Wolff is very ruid and when contacting bill changes every time nothing but con artist. 

Nor did Mc Carty Burgess & Wolff mail me any type of notice nor XXXX as before sending it to MC Carty Burgess & Wolff as to dispute the bill. 
XXXX  never return calls or letter mail to them over the situation
Consumer complaint received 2022-04-14
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. (GA)

Hi I filed a chapter XXXX that was Discharged on XXXX. XXXX is posting all the late payments, these accts we're all discharged and should not show this it's affecting my approval to build my credit after filing Bankruptcy.
Consumer complaint received 2017-09-01
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. (CA)

There are several discrepancies that are showing on my credit report that and five by student loan 's. Each credit report is showing a different amount I need all of them to reflect the lowest amount and I 'm also requesting not Verification but validation.
Consumer complaint received 2022-08-30
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section I602 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
Consumer complaint received 2022-08-30
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section I602 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