davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

XXXX XXXX  [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau [ Address ] [ City, State, Zip Code ] Subject : Violation of Consumer Rights by Collection Agency Dear Sir/Madam, I am writing to bring to your attention a serious issue regarding a collection placed on my consumer report by [ Collection Agency Name ]. Despite repeated attempts to obtain validation of the debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has failed to provide any such validation. 

Furthermore, I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( D ). This lack of due process directly violates my consumer rights and places me at a significant disadvantage.

It is evident that [ Collection Agency Name ] is engaging in deceptive and misleading practices by reporting this collection without providing the necessary disclosures required by law. Their actions are in direct violation of 12 CFR 1006.34 and 16 USC 1681-S, which clearly outline the obligations of collection agencies regarding consumer reporting. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against [ Collection Agency Name ] for their blatant disregard of consumer rights. Additionally, I request assistance in rectifying this erroneous collection from my consumer report and preventing any further harm to my financial standing. 

Enclosed with this letter are copies of relevant documentation supporting my claims. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to address this violation and ensure that consumers are protected from such unlawful practices.
Consumer complaint received 2022-09-01
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. (PA)

I have been dealing with identity thrift for almost 2 years now with mis use of my information and fraudulent information on my credit reports I have reached out to credit companies multiple times for dispute I have tried disputing on my own no help I would like these fraudulent information off of my credit reports
Consumer complaint received 2022-09-01
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. (NH)

XXXX XXXX XXXX  reported a delinquent payment to credit bureaus ( Transunion and XXXX ). I do not have an account nor a credit card with the XXXX XXXX XXXX and I never received a bill or a notice regarding any dues! Yet they have reported it without my knowledge.
Consumer complaint received 2022-09-01
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. (PA)

I have been dealing with identity thrift for almost 2 years now with mis use of my information and fraudulent information on my credit reports I have reached out to credit companies multiple times for dispute I have tried disputing on my own no help I would like these fraudulent information off of my credit reports
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

I believe the account is invalid. LVNV FUNDING LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.LVNV FUNDING XXXX and LVNV FUNDING XXXX
Consumer complaint received 2024-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (WI)

Mr. Cooper overcharged me on final claim, then again in XX/XX/2022. 

To date I have no credits for $ XXXX and they are sending me to foreclosure. 

But they owe me XXXX XXXX XXXX
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CO)

There is no way to submit a compliment so I am using this form to reach my bank. I want them to know that my TJX Reward credit card that I had for many years was the most fun credit card I have ever had. It was a bright spot in my life and I looked forward to all the coupons that I would get at the end of the month with which I would plan a little shopping spree at my favorite stores. Cash back is no fun... .it just goes somewhere to pay some bill. TJX or Synchrony Bank was also very good to me in little ways. I liked to keep my credit card limit low because if it were ever stolen the person couldn't go too crazy with voluminous spending. This was unlikely to happen because I kept it in a secure RIFD cover and tied it to my clothes instead of my purse which would be impossible for someone to take. Sometimes, however, I would unknowingly get too close to my limit and have to make a payment quickly. They were very kind to process my payment immediately which no other bank could do or was willing to do. 
I just want Synchrony Bank to know that I miss that part of my life and I am grateful for those years that we were together.
Consumer complaint received 2019-01-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: REGIONS FINANCIAL CORPORATION (FL)

I have repeated told them I have had some medical issues arise, I have been put on XXXX, I am aware of the debt and to please stop calling multiple times daily as it doesnt help get them any money or help me get better where I can work and pay my debt. Very nasty individual called today speaking to me like a 2 year old. I may be sick but I am not a child
Consumer complaint received 2019-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PENTAGON FEDERAL CREDIT UNION (MI)

PenFed ( Pentagon Federal ) Credit Union keeps transferring money back from my checking account to my savings account so that every single time I do a bill pay, the check that is supposed to go to the payee ends up BOUNCING!

They are not ONLY defrauding me, but had been engaging in systematically harassing me through these fraudulent transactions where they bounce checks that I issue from my checking account through bill pay ON PURPOSE.

Before I do any bill pay, I MAKE SURE that I have enough money from my checking account to cover the amount of check I am writing.

As soon as I have issued a bill pay check from my check account, PenFed EITHER closes my checking account OR transfers the money back from my checking account to my savings account WITHOUT MY CONSENT AND KNOWLEDGE!

This has happened TWICE already, and they are doing this to force me to close my accounts with them, not to mention contributing to my unnecessary stress and greatly affecting my state of mind.

Thus, PenFed is committing fraud on my behalf by intentionally and knowingly making it look like I am bouncing checks when I AM NOT, not to mention cruelly and consistently harassing me.

They are also prolonging transactions on purpose so that they can control how long I keep my accounts open instead of me doing that!

There was also a time that one of the member representatives told us ( family member and I ) over the phone that we would have to go back to Texas to deal with this account in a satisfactory manner.

No travel to where the account was opened, no satisfactory resolution was what this PenFed employee indicated.

That sounds like EXTORTION using interstate communication to me!
Consumer complaint received 2023-08-04
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. (AZ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Green & Sons Agency, Inc. (ID)

XXXX XXXX XXXX based out of XXXX Utah/ XXXX  XXXX , Idaho won't report my accounts are being paid. They are garnishing my wages, but refuse to report the account as paid.
Consumer complaint received 2019-02-04
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. (CA)

Date : XX/XX/2019 Place : XXXX checkout counter in XXXX XXXX, XXXX, CA The associate told us that if we sign up for store membership, we would get additional discount, but when he asked for my SSN to sign up, I asked him, if this is a credit card application. He replied Yes. So, I asked him that I would like to opt out. He said, he has pulled out the application and my credit is not affected. 
I checked my experian account and a credit inquiry had already been posted. 

Date : XX/XX/2019XXXX XXXX PST I called Experian to dispute the enquiry and the redirected me to talk to XXXX only. 

Date : XX/XX/2019 XXXX XXXX PST I called XXXX asking them to withdraw the enquiry and the associate on call, told me that XXXX will not do anything to withdraw the enquiry. I even told them, if they can get the checkout associate on conference call, I can get a confirmation on the series of events to which they said, they won't do that either.Also, I asked them if there's an email Id in XXXX to which I can write for my grievance redressal, to which they said, " Only verbal confirmation can be provided ''
Consumer complaint received 2022-09-01
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. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2019-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

Since XX/XX/XXXX I have been trying to get my student loans errors corrected. 
On my credit report the Nelnet company is reporting the same information 3xs on my XXXX, XXXX, XXXX, XXXX & etc. reports showing all loans have increased in XX/XX/XXXX through XX/XX/XXXX in red. 
Signaling that I'm late in paying when I haven't started paying because I'm still attending school and my loans are in Deferment. 
The loans are subsidized and unsubsidized and are not to increase while in deferment. 
Nelnet company is refusing to correct how they are reporting my accounts making my credit profile look like I'm paying my loans late which is not true it's a lie. 

The Nelnet accounts I'm referring to are as follows : # XXXX ; # XXXX ; # XXXX ; # XXXX ( is a duplicate acct. being reported as mine not true only one is not both ) # XXXX ; # XXXX ; # XXXX ; # XXXX ( is a duplicate acct. only one is not both ) #  XXXX ; # XXXX ; # XXXX ; # XXXX ( is a duplicate one is not mine ) ; # XXXX ; # XXXX ; # XXXX ( is a duplicate one is not mine ) ; # XXXX ; # XXXX ( is a duplicate one is not one )  ; # XXXX ; # XXXX ( is a duplicate one is not mine ) # XXXX ; # XXXX ; # XXXX ( is a duplicate one is not mine ) # XXXX ; # XXXX.
Consumer complaint received 2022-09-01
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell Transunion 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. Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}
Consumer complaint received 2022-09-01
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. (CA)

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Convergent Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX Balance Owed : {$13000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX ) XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: First Data Corporation (CA)

On XX/XX/2018 I file a disputed claim with my prepaid card XXXX XXXX   dispute case ID # XXXX  for the amount of {$1800.00} there was 12 transactions not authorize by me I follow every step I need to and after 15 days of opening my dispute I got letter on the mail that my dispute was denied for controversial information, well I call them and ask them if they can send me a copy of documents they used to denied my dispute and they say yes we will send it to you but they never did I request it twice and they wont send it then I appeal the decision and they denied again so I call them everyday trying to get information why they denied my dispute they wont give me the reasons or papers they use to make there desision thank you
Consumer complaint received 2022-08-29
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX, XXXX Balance : {$72.00}
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PA)

As I in the process to repair my credit, on XX/XX/2020, I contacted Midland Funding LLC at XXXX, located in XXXX, MI and debt collector, regarding to my credit card debt with XXXX XXXX on the amount of {$1100.00}. I was connected with Mr. XXXX XXXX, who introduced him as an Account Manager for Midland Funding LLC. We agreed to settle the amount due on the total of {$950.00} and paid on XXXX XXXX and was provided with the confirmation number of # XXXX. Mr. XXXX mentioned to that I will received a letter within 10 day as confirmation since they do not send emails as payment confirmations and the balance will cleared from my credit. On XX/XX/XXXX, I contacted Midland Funding LLC since I have not received the confirmation letter nor was the balance due cleared from my credit. I was told that the letter was " just generated and will be mailed on that week ''. As of XX/XX/2020, not only have I not received the letter, but the balance on the account still is on my credit. I feel that Midland Funding LLC has acted on " bad faith '' and has not kept their word on our agreement/settlement.
Consumer complaint received 2021-08-20
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. (IA)

I am writing to delete the following fraudulent information in my file.The items I need deleted are listed in a word doc attached to this report. 
I am a victim of identity theft and did not apply nor create the illegitimate information included in my credit report.I ask that the items be removed at once. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.Please delete the items as soon as possible.
Consumer complaint received 2023-07-06
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. (NY)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (NC)

In a letter received in late XX/XX/2020, State Collection Services , Inc. request {$200.00} within 30 days for a non-existent debt. 

I have written to the company requesting they immediately close this case, and cease contacting me about this, or any other, non-existent debt.
Consumer complaint received 2020-08-03
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. (NY)

I am writing in reference to XXXX account number XXXX. This account does not belong to me. I do not remember applying for this card. If this account is accurate why is it only reporting in Equifax? 

The year this account opens is very suspicious to me. I would like to know from the application to transactions made in this account. I need to know how my identity is compromised for someone to open to the account without my knowledge. 

This account was just brought to my attention because of the high balance reported that prevented me from qualifying for a mortgage. I have written to the FTC and disputed this account with Equifax before and came out to be fully verified. 

This account is preventing me from buying a house and it would make a huge difference if you are able to eliminate it from my record. I would like to stress that the fact that the information currently being reported is inaccurate and therefore needs to be removed from my credit report.