davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (MD)

Re : AARGON COLLECTION AGENCY Account # : XXXX Dear I received a validation response to my request for verification on the debt sent to me on XX/XX/XXXX. However, you just sent me a bunch of statements with no other designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me in your response on >>>>>>>>>> PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount.

Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.

Thank you for your immediate cooperation. 
_____________________________ XXXX XXXX
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. (MT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX ( Original Creditor : BILLINGS ANESTHESIOLOGY PC ) XXXX Date opened XX/XX/XXXX Balance {$13.00}XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, and US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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. (MT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$13.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX XXXX {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, and US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I owed a student loan debt which was initially owned by XXXX XXXX but was sold to Navient. I filed for XXXX XXXXXXXX Bankruptcy in XX/XX/XXXX for other reasons. Navient was included in the XXXX XXXXXXXX plan with me owing a total with principal and interest in the amount of {$27000.00}. The total balance was paid off through a XXXX XXXXXXXX Bankruptcy which was successfully XXXX in XX/XX/XXXX. Navient XXXX XXXX XXXX XXXX is now alleging I owe {$6100.00} after the bankruptcy has been completed because a Navient Representative indicated that portion of the loan was forgotten to be included when I filed for bankruptcy in XX/XX/XXXX. Also, amid the bankruptcy in late XXXX Navient transferred/sold the loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). In addition, I asked Navient for the validation of debt and a copy of the original documents with my signature because Navient has alleged a loan disbursement was given to me in XX/XX/XXXX. I last attended graduate school and graduated in XX/XX/XXXX. I have not attended any other college or school since XX/XX/XXXX. To date, I have not received a copy of the documents. Furthermore, it is Navient 's error if they have forgotten to include this debt with my bankruptcy filing and I should not be liable for this alleged debt. Also, I keep receiving conflicting information about the loan when contacting Navient. 

I had started paying from XX/XX/XXXX - XX/XX/XXXX because I did not want this to affect my credit score while trying to resolve this matter as I had successfully emerged from bankruptcy. I ceased paying because this was unfair and totally a violation of the law and my rights. As you are aware there is a pause on the student loans and it had been extended on XX/XX/XXXX by President Joseph R. Biden through XX/XX/XXXX, but on XX/XX/XXXX Navient report me as 90 days late to the three major credit bureaus. There have been constant harassing calls, text messages and emails. This has caused pain, stress, anxiety and sleepless nights.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (FL)

On XX/XX/2022 I used chime bill pay service and payed XXXX XXXX and a paper check was mailed to the utility company I also did the same on same day with XXXX insurance for the amount of XXXX dollar these checks show cashed on my account page but no proof of payment is available by providing picture of cashed check from and back both merchants have requested proof of payment to credit the account I have informed chime that Both FDIC and U.S Treasury monetary rules and regulations say they must provide a copy of the check front and back at my request they refuse to do it and have kept my funds. Will not provide the information the are legally bound to provide as a bank
Consumer complaint received 2024-05-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (CA)

Tried to contact the company XX/XX/XXXX. 

Email to customer service was returned- delivery failed. So this company has made customer service very difficult to reach. 

The escrow analysis for XXXX contained incorrect information. as described below. 

1 ) the XXXX Mortage insurance was {$3800.00} ( see attached ) not {$4000.00} 2 ) the Current monthly payment is {$1700.00} not {$1800.00} 3 ) the difference in escrow due is {$420.00} not {$500.00} 4 ) the new monthly amount due is incorrect even if based on the escrow due amount of {$500.00}. 

I have confirmation of the mortgage insurance but of course, this was returned along with the email.
Consumer complaint received 2024-05-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Special Financing Company, LLC (VA)

I recently took out a loan from Special Financing Company in XXXX, XXXX on XX/XX/2024 for {$17000.00} for a Real Estate Mentorship. They made me pay an immediate XXXX payment of {$870.00} from my debit card. I decided to not move forward and now they will not refund my first payment. I called many times with no positive response about getting my deposit back. I am a XXXX XXXX and will be XXXX XXXX XXXX this year. I believe I am being taken advantage of. All I want is my payment because I did not expect to be paying XXXX XXXX of 29.99 %. I never used the Loan so I believe I'm not asking for nothing except my deposit back.
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. (MT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$13.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, and US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-24
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. (FL)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2020-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Company saying that I have debt of {$210.00} that I am have no knowledge of. According to FCRA section 609 ( a ) ( 1 ) ( A ) you are required t by federal law - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Experian Information Solutions Inc. (WA)

The company takes zero accountability for their errors and shows less compassion for people on a fixed income. I can not buy food/supplies that my family needs because they have frozen my social security check in their account based off of their own incompetence. I originally had to replace my debit card but was forced to order a third debit card on account of the second never showing up at all. Nonetheless the incompetence and paper pushing money XXXX shows true colors of Experian smart money and XXXX and XXXX in regards to suspending the account for multiple card replacements and spending time on the phone with no knowledge call centers to not help someone get the only money they have to take care of their family. One of the foreigners could barely speak English and was laughing at my situation.
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: EQUIFAX, INC. (MT)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date opened XX/XX/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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-12-28
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. (MD)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2022-07-13
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. (PA)

I have reached out to Equifax numerous of times, requesting information that i have yet to receive. Equifax is in violation of my rights as a federally protected consumer.
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. (TX)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX  Account # 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
Consumer complaint received 2021-04-13
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. (MI)

Experian and XXXX reporting false information after dispute filed by my self and XXXX XXXX, all documents sent for proof of false information filed of bankruptcys
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. (NY)

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, which are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XXXX XXXX, 2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
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. (NY)

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00}, which are 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 these accounts or information not later than 4 business days after the XXXX XXXX, 2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
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. (NV)

This is my 2nd 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 Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$230.00} ; XXXX XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} ; XXXX XXXX ; XXXXXXXX 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