davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC (CA)

I received a debt collection notice from FIRSTOURCE ADVANTAGE, LLC. I request validation of contract between myself and FIRSTOURCE ADVANTAGE, LLC. As far as I know there is no contract, promissory note, application, agreement or any other instrument your company have with my signature establishing an obligation between myself and FIRSTOURCE ADVANTAGE, LLC. I also request proof of contract between your company and the alleged creditor in your records that gives you authorization and my consent to have my information. 
The deceptive notice received from your company is in violation of my privacy under Privacy Act of 1974. I did not verbally nor did I provide written agreement of sharing my personal information with 3rd party, non-affiliate companies as I am opt-out of 3rd party and non-affiliate sharing of my information. the consumer will take it a step further in seeking remedy per 15 USC 1692k. 
This notice appears to not only provide false and misleading representation as we have no contract/no agreement but this is also deceptive, abusive and unfair practices which are all violation of Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act. I am prepared to file suit against FIRSTOURCE ADVANTAGE, LLC for invading my privacy, using my identity for your own personal gains as well as threatening to destroy my right to fair credit reporting under the Fair Credit Reporting act but also this damage could affect my rights to credit under the Equal Credit Opportunity Act if fraudulently reported. 
I ask that unless your company can provide me original signed contracts, that you cease and desist. Your company is harassing me and failed to provide any documentary evidence of such alleged debt. There is no true bill. 
I am filing several complaints against your company for violations mentioned. This is harassment. This is identity theft. 
Under California Consumer Privacy Act. I have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING XX/XX/XXXXXXXX  AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION. DELETE FROM PERSONAL CONSUMER CREDIT REPORT IMMEDIATELY. 
Your company has no right to collect any alleged debt on any private accounts nor does your company have rights to interfere with investigation and disputes with any alleged creditor. Per 15 USC 1681a consumer report can not have personal transaction history. According to IRS publication any charged off or collections accounts are considered a certificate of indebtedness with is income and income can not be reported on my consumer report. You are in violation as a debt collector buying alleged debt which would actually be considered income that is to be reported to IRS. YOU ARE BEING DEMANDED TO NOT SHARE INFORMATION TO CONSUMER REPORT. I demand United Collection Bureau to CEASE and DESIST all collection and communications except to provide remedy.
Consumer complaint received 2018-11-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Portfolio Recovery Associates comes up on my credit report every couple of years with new dates, they have called my sister, my parents, my boss and stated I was in legal trouble and going to be arrested if I didn't call them back. I had the attorney general in MN contact them 10 years ago and they promised to stop but every couple of years they start again. They have two bogus collections on my credit report that I can't seem to get rid of.
Consumer complaint received 2018-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I divorced my husband on XX/XX/XXXX, on the divorce decree he was supposed to redo the loan and put it on his name only ( see atach 1 ).

At a later time, we went back together, however, during this time he forced me to give him a quit claim ( see attach 2 ) He got the title but the loan remained on both of us name. Upon his death XX/XX/XXXX the mortgage company removed him from the debt and make me liable for the full amount, so I am not able to refinance or sale the property because I am not on title. 
Due to the hardship, on XX/XX/XXXX, I started a loan modification with XXXX XXXX XXXX and the outcome was denied on a letter dated XX/XX/XXXX ( see attach 3 ) they stated I did not qualify. On XX/XX/XXXX the loan was sold to Bayview ( see attach 4 ) and I requested another loan modification on XX/XX/XXXX. I submitted all the required documents, then I found out that they change my asst manager XXXX XXXX ( see attach 5 ) I started with another asset manager XXXX XXXX ( see attach 6 ) I submitted the papers once again, three appraisals were done during this time ( see attach 7,8,9 ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX All the papers were complete by XX/XX/XXXX ( see attach 10 ) then I received another letter dated XX/XX/XXXX stating that it was incomplete ( see attach 11 ) Due to the fact that the property had equity, they determined not to approved the loan modification. ( It took about a year to get an answer ) At the present time I got a third asset manager, XXXX XXXX handling my case. 
On XXXX XXXX got a NOD. Two days ago I found a notice of trustee sale taped to my front door ( see attach 12 )
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 Account # XXXX has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX Account # XXXXhas violated my rights XXXX XXXX XXXX XXXX Account # XXXXhas violated my rights XXXX  Account # :XXXXhas violated my rights XXXX XXXX Account # : XXXXhas violated my rights Bankruptcy Reference # : XXXX violated my rights DPT EDXXXX Account # : XXXX violated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated 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 information is inaccurate.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

applied to recieve my free annual credit report, was told the with a pending drtispute could not get report, transunion will not except any other disputes till original is closed, they are dragging out the complaint so they do not have to take several problems with my report.
Consumer complaint received 2021-05-18
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. (GA)

Equifax and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX XXXX - XXXX and XXXX ; XXXX - XXXX ; XXXX - XXXX XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX and XXXX ; XXXX XXXX XXXX ; XXXX XXXX - XXXX ; XXXX ; XXXX ; XXXX ; and XXXX ; XXXX XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2022-07-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update this inaccurate account. I think you have not confirmed this information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate This account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable information below : XXXX XXXX XXXX : {$55.00}
Consumer complaint received 2022-07-26
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX : {$480.00}
Consumer complaint received 2023-03-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (VA)

In accordance with the fair Credit Reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX  XXXX  Account # XXXX has violated my rights XXXX  XXXX Account # XXXX**** has violated my rights XXXX Account # :XXXX****has violated my rights XXXX XXXX XXXX XXXXXXXX Account # XXXXhas violated my rights XXXX/XXXX  Account # XXXXhas violated my rights XXXX  XXXX Account # : XXXXhas violated my rights Bankruptcy Reference # : XXXX violated my rights DPT ED/XXXX  Account # : XXXX violated my rights DPT ED/XXXX  Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT ED/XXXX Account # : XXXXviolated my rights DPT ED/XXXX Account # : XXXXviolated 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 information is inaccurate.
Consumer complaint received 2022-07-26
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. (FL)

I sent a letter on XX/XX/2022 to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$2700.00} XXXX XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX CARD XXXX Balance : {$7400.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$84000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$2800.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again.
Consumer complaint received 2023-03-23
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 am submitting this CFPB Complaint to contest the presence of fraudulent items on my credit report. After recently receiving a copy of my credit report, I was dismayed to discover that several accounts and information were listed that I did not open nor have any knowledge of. The accounts in question include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance {$2500.00} XXXX  XXXX Balance {$7400.00} XXXX XXXX XXXX XXXXXXXX XXXX {$590.00} XXXX XXXX # XXXX XXXX  Balance {$390.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$670.00} XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX. I confirm that I did not authorize the opening of these items, nor did I grant permission for anyone else to do so on my behalf. I strongly suspect that these items are the result of identity theft, and I am taking appropriate measures to report this to the relevant authorities. Kindly provide me with a written response to this dispute, including the outcome of your investigation. I also request that you send me an updated credit report after the elimination of the fraudulent items.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter on XX/XX/2022 to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$5400.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX Balance : {$84000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$2800.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again.
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2017 XXXX XXXX furnished a charge off account Account number : XXXX I have never signed any written document that i owed this debt to the collector. They are violtating my federaly protected rights under the fair credit reporting act as a consumer. 
I do not know who they are and have not written consent on my end also they have not verified that i owe this debt to the alleged company. Please have this removed from all three bureaus. 

XXXX XXXX
Consumer complaint received 2022-07-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again.
Consumer complaint received 2018-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXXXXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX These are the ones that I didn't delete. They call several times per week with no one on the other end most of the time and no message. Prior to this, they have called members of my family and they have also threatened that they were sending a process server with the authorities. They use bullying and harassment tactics. The give personal information to family members that are not authorized to have it. They are breaking the law. 

Portfolio Recovery has been hounding and threatening me constantly for years. They need to be stopped and I want the old debts that they are chasing off of my credit report.
Consumer complaint received 2018-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Walwick, Inc (WA)

XX/XX/2018 - Received a call from XXXX XXXX XXXX. They wanted me to confirm my address and I refused. They rudely, repeatedly and forcefully insisted that I was obligated to confirm my address. I told them I would not give out personal information over the phone to someone who I did not know. I told them to send me a letter to the address they had on file & they could confirm it that way. They insisted that theyd already sent a letter but I hadnt received anything. I said they should send me something in writing and do not call me ever again. 

XX/XX/2018 - Received another call from XXXX XXXX XXXX. Same conversation : rude, forceful and repeated insistence that I confirm my address. They insisted I owed them a confirmation of my mailing address. I said dont call me anymore, send me something in writing if you have my address. I told them I would not give my personal information over the phone and I clearly stated Do not call me again. 

XX/XX/2018 - Received a letter from XXXX XXXX XXXX  stating that I owed {$7400.00} to a Mr. XXXX XXXX with " Inspiration and Results ''. ( I do not have a copy of this letter. ) XX/XX/2018 - Sent certified cease & desist letter to XXXX XXXX XXXX instructing them to stop contacting me. ( See attached for letter and confirmation of receipt. ) XX/XX/2018 - Sent certified letter to XXXX XXXX XXXX as follow up stating that I dispute the debt. ( See attached for letter and confirmation of receipt. ) XX/XX/2018 - Received another call from XXXX XXXX XXXX, similar in nature to the previous calls. I told them not to call me ever again. 

XX/XX/2018 - Received a letter from XXXX XXXX XXXX claiming that I now owed {$7600.00} ( see attached ) XX/XX/2018 XX/XX/2018 - Received a letter from XXXX XXXX XXXX claiming that I now owed {$7700.00} ( see attached )
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 obtained services/product from a person/company. paid thru Bank of America ( XXXX XXXX never received products or service. company/person are two different entitys. later looked up she has several fraudulent names and companies. she is a fraud and bank of america XXXX XXXX  ) refuses to refund my money. I am not working due to COVID