davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: UHG, LLC (MD)

Since XX/XX/XXXX, I have been receiving daily aggressive phone calls from a XXXX  claiming to be urgent and from XXXX. The message instructs me to call back using the number on the caller ID promptly to speak with a live representative. Despite this, the calls intentionally misrepresent the information on the caller ID to conceal the caller 's identity. Frequently, the calls are spoofed to make it seem like they are coming from a local number. After researching, it is alleged that " XXXX '' is not an acronym but another agency of United Holding Group, LLC ( also known as UHG , LLC, UHG I LLC, and UHG II LLC ), a Delaware limited liability company with its principal place of business at XXXX XXXX XXXX, XXXX XXXX, XXXX, New York. which highlights " strategic receivables solutions '' for " unlocking value in charged off and non-performing consumer loans. '' Per The Fair Debt Collection Practices Act ( FDCPA ) debt collectors are required to provide validation information within five days of their first communication with a debtor. To date, I have not received such information from XXXX aka United Holding Group. Instead, I have been subjected to harassing and aggressive phone calls from spoofed telephone numbers. To date, the calls and caller id information have generated as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX from ( XXXX ) XXXX ( XXXX, MI ), XX/XX/XXXX ( XXXX XXXX  ) from ( XXXX ) XXXX ( XXXX, NC ), XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXX ( XXXX ), XX/XX/XXXXXXXX XXXX XXXX XXXX  ) from ( XXXX ) XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX ) from XXXX, XX/XX/XXXX ( XXXXXXXX XXXX  ) from ( XXXX ) XXXX, XX/XX/XXXX ( XXXX XXXX ) from ( XXXX ) XXXX ( XXXX, AZ ), XX/XX/XXXX ( XXXX XXXX XXXX from ( XXXX ) XXXX, XX/XX/XXXX ( XXXXXXXX XXXX  ) from ( XXXX ) XXXX ( Private Name ), XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXX, XX/XX/XXXX ( XXXX XXXX XXXX from ( XXXX ) XXXX ( XXXX, MD ), XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXX, XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXX, XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXX ( XXXX, GA ), XX/XX/XXXX ( XXXX XXXX ) from ( XXXX ) XXXX ( XXXX, DE ), XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXXXXXX XXXX XXXX MD ), XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXX.
Consumer complaint received 2022-07-07
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. (LA)

At the beginning of XX/XX/2022 an account with XXXX XXXX was reported to the credit bureaus, this account was established in XXXX of 2022. I have knowledge of this account. I contacted XXXX XXXX Customer Support at ( XXXX ) XXXX XX/XX/2022, I started calling to get information on this fraudulent account. I have been calling for almost a month and can't get anyone on the line. After the initial introduction on the automated call there is nothing but silence on the line, I than sat on hold for over 30 minutes multiple times over the course of a week and a half with never being to speak to someone. I found a contact email XXXX on XXXX XXXX website XXXX but was told they couldn't give me any information because the email I was communicating from was on the account. I replied stating I have no Idea what email or phone number is on the account because I didn't start the account. I sent an email asking for validation of the debt to be sent to my home address but have yet to receive it. Calling into XXXX XXXX isn't getting me anywhere either which makes me feel like the company is a scam and does things like this all the time.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (GA)

CCS reported that the account was closed. I was told to pay a settlement amount and the account would be deleted. I have submitted several disputes and nothing is taking place. The XXXX debt should be listed as deleted instead of closed.
Consumer complaint received 2022-09-26
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)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}.
Consumer complaint received 2021-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I want to place disputes on my credit via fax to Experian, Equifax and TransUnion. Online and on Myfico, fax numbers are given, but all ring busy or are saying " the line is no longer in service. '' This is misleading and highly inconvenient, in addition https : //www.experian.com/consumer/upload/ NEVER allows you to upload documents. It continues to give an " ERROR '' message when trying to upload documents that are within their required parameters. This site is fraudulent in my opinion, not allowing it to be used at all on purpose. This is the 21st century and not everyone feels comfortable with sending highly sensitive documents ( ie. Social Security, Identification cards, etc ) in the mail. Mail has been proven to be tampered with, stolen, inconsistent, and so on. We need to be allowed and assisted to submit our important documents DIRECTLY to these agencies via FAX and/or UPLOAD ONLINE.
Consumer complaint received 2022-07-07
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)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-07
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-26
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-03
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: DISCOVER BANK (IL)

Subject : Notice of Dispute - DISCOVER - XXXX To Whom it may concern, I am reaching out to express my profound dissatisfaction and concern regarding the handling of the reporting of the account DISCOVER - XXXX on my credit report. It has come to my attention that there are multiple clear breaches of the Fair Credit Reporting Act ( FCRA ) associated with this account, and I am requesting immediate action to address this issue. 

I am formally demanding a comprehensive debt validation, which necessitates the provision of the following details : Original Contract : Furnish a complete copy of the original contract between the purported creditor and myself pertaining to the account DISCOVER - XXXX. 
Original Creditor : Clearly disclose the name and contact information of the original creditor linked to this account. 
Original Open Date : Specify the precise date on which the account DISCOVER - XXXX was initially established. 
Date of Last Payment : Provide the exact date of the last payment made in connection with this account. 
Date Account Was Closed : Indicate the date on which the account DISCOVER - XXXX was formally closed. 
I am fully aware of my rights under the FCRA, and it is evident that there has been a failure on the part of XXXX to fulfill its obligations in ensuring the accuracy and validity of the information it reports. I am insisting on a swift response and resolution to this matter. 

Failure to adhere to this request within [ 15 days ] from the date of this correspondence will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. Please consider this as a formal notice of my intention to take such action. 

I anticipate a timely response, along with the requested documentation, to be transmitted through the CFPB portal. Additionally, I request that any corrections made to my credit report are promptly reflected.
Consumer complaint received 2022-07-07
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-08-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Since you ignored the conditional acceptance/change in terms of agreement for proof of claims, the following will happen : Based on tacit acquiescence the legally binding arbitration award, which resulted from failure to provide proof of claims to the conditional acceptance for proof of claim and change in terms of agreement The contract states estoppel from all activity. Since then, a civil lawsuit was filed by XXXX XXXX XXXX into XXXX County District Court case XXXX. According to the contract you agreed to, estoppel of any matter relating to the conditional acceptance change in terms of agreement for proof of claims based on answering each and every averment based on facts and specificities according to law. The agreement stated that any attempt to bring suit against XXXX XXXX will require 3X amount of claim enforced by agreement. Since you agreed to arbitration in the agreement. You are now liable for XXXX. The agreement you agreed to states 3X the original if parties were to further proceed in this matter without answering proof of claims enforced by the contract. Since then, you have filed a case in XXXX County, XXXX and have ignored the terms of the agreement. This brings your total obligation to XXXX. This amount is legal and binding on all parties who chose to ignore the legal and binding correspondence. Notice to all parties were sent via Certified/Return Receipt for Arbitration. Ignored. The Arbitration concluded on XXXX. The Claimant awarded XXXX. The harassment from XXXX XXXX XXXX continues as they have ignored all facts pertaining to this matter and have breached contract. The amount awarded to Claimant will be XXXX X 3 totaling XXXX now due and owing to Claimant XXXX XXXX. Please send payment to XXXX XXXX XXXX XXXX, XXXX Washington [ XXXX ]. L
Consumer complaint received 2022-07-07
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-06-15
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. (MS)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Opened XX/XX/XXXX {$340.00} Original creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NE)

I opened a checking account with HSBC, I was told by phone the account needed to remain open for 120 to avoid early closure fees. I complied and then after the 120 days I called again to close the account. Conversation went well I was told the account was closed and I would be receiving confirmation in the mail. Never received anything and the account remained open. I did not want to acquire monthly maintenance fees which is why I was closing the account. Contacted the bank again and now they state the closure never processed and I would be charged a {$25.00} early closure fee. I stated that per my previous two conversation with their representatives it was 120 days and the account should already be closed. Bank will not close my account without the fee and now I will be getting a monthly maintenance fee on top of all of this due to the account remaining open without my knowledge.
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (MS)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Opened XX/XX/XXXX {$340.00} Original creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX XXXX  XXXX -I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 

BANKAMERICA XXXX I was never late 30 days on XX/XX/19. The payment history and the status of this account is inaccurate. This account should not be late pursuant CARES Act. Thoroughly investigate and update with lawful accuracy.
Consumer complaint received 2019-08-02
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. (CA)

In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX  XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX  ),
Consumer complaint received 2021-06-15
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: AMERICAN HONDA FINANCE CORP (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

In XXXX 2015 I called XXXX XXXX and gave them my information. And they told me that I was eligible for debt forgiveness of my debt being completely forgiven. But afterwards I found out that they just switch my laundry to something else and told me that I was accepted for forgiveness but I did not get it afterwards. My loan was n't reduced or forgiven and now I pay a higher interest rate. And the put me in forbearance without my knowledge.
Consumer complaint received 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (IL)

my Identity was used without my consent for phones with XXXX XXXX sou XX/XX/XXXX, for the amount of {$480000.00}, i would like this collection removed as resolution for the identity theft. 
amsher collections {$790.00} XXXX, XXXX XXXX