davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (NY)

I am writing to dispute the presence of a paid and closed mortgage loan account on my consumer reports. As per the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( a ) ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is not included in a consumer report.

Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This includes my social security card, drivers license/ID, and license plate, which were used for the extension of credit.

By including the paid and closed mortgage loan account on my consumer reports, you are willfully noncompliant under the civil liability section of the FCRA 15 USC 1681n and the TILA 15 USC 1601.

Furthermore, the GrammLeachBliley Act 15 USC 6802 states that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information without clearly and conspicuously disclosing to the consumer, in writing or in electronic form, that such information may be disclosed to such third party. Specifically, GLBA Section 6802 ( a ) requires that a financial institution may not disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of the Act. GLBA Section 6802 ( b ) ( 1 ) also requires that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

I have not received proper notice from your company nor have I been given an opportunity to opt-out of the disclosure of my nonpublic personal information.
Consumer complaint received 2022-03-09
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-03-09
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Construction Credit and Finance Group, LLC (WA)

Construction Credit & Finance Group LLC contacted me via phone and left a message attempting to collect an alleged debt.

Construction Credit & Finance Group LLC as of today 's date is not licensed to collect debt in the state of Washington.

I called the Washington Department of licensing and verified this and verified via web search.

Washington law requires debt collectors to get a license from the Washington State Department of Licensing ( DOL ) and post a bond before attempting to collect debts. They must renew their licenses yearly. Out-of-state debt collectors also have to get a license before attempting to collect from Washington residents. ( Wash. Rev. Code 19.16.110 ).
Consumer complaint received 2022-03-09
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. (OH)

XX/XX/2022, submitted a letter, XXXX XXXX XXXX Bankruptcy XXXX, regarding an entry appearing on my Experian Credit Reporting Account. 

XX/XX/2022, received a letter from XXXX XXXX XXXX Bankruptcy XXXX, confirming that the XXXX Bankruptcy XXXX doew not report case information to the credit reporting agencies XX/XX/2022, submitted a follow-up letter to the Experian Credit Reporting Agency , in which Experian reported as being verified with the bankruptcy court, which prompted me to contact the Bankruptcy Court ,
Consumer complaint received 2018-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

A person named XXXX XXXX contacted me ( on XX/XX/XXXX ) referencing old contact information and the last 4 digits of my SSN claiming I owed a balance on a debt with XXXX XXXX that I settled over 7 years ago with a 3rd party collector ( XXXX XXXX ).  He said that although I paid a settlement amount, I still owed a balance ( an amount which couldn't be correct as I settled the debt ) and that the last payment I made was in XXXX which is also not true. I didn't make payments. I settled the debt in one sum in XX/XX/XXXX and I have bank records showing I made my settlement payment. This debt does not show on my credit but he threatened that he'd report it unless I paid him this alleged balance. He also fished for my current contact information, which I did not give as I did not want to invite further contact. I told him repeatedly that what he is claiming was not correct and that I'd paid the debt. Someone called again today from the same area code/prefix and this time the caller ID identified the business as XXXX XXXX XXXX ( XX/XX/XXXX ). They left a voicemail referencing a problem with my account and to call them immediately. I did not return their call. I researched XXXX XXXX and can see that XXXX XXXX works for them. Neither voicemail nor conversation provided any disclaimers identifying who they were or why they were entitled to collect on this alleged debt.
Consumer complaint received 2018-08-13
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XX/XX/XXXX/XX/XX/XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/201 Company XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company:XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:05/11/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX  XXXX Company : XXXX XXXX XXXX : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date XXXX XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXXte : XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX/XXXX  Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX/XXXX XXXX Date:XX/XX/2018 Company : XXXX/XXXX Date:XXXX Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company XXXX XXXX XXXX XXXX  Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX/XXXX XXXX   Date:XX/XX/2018
Consumer complaint received 2023-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

today, XXXX XXXX i got scammed on XXXX  by a certain XXXX. she was selling XXXXXXXX XXXX  tickets for {$320.00} each and i sent her the money thru zelle but i never got tickets. she then procedeed to block me. i have all her messages still.
Consumer complaint received 2018-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

On several occasions I have attempted to change my repayment plan through Navient. In the past I was directed to a government website. Again today XXXX, I called Navient and first spoke with " XXXX '' work ID XXXX. She told me my spouse and I earn too much money to qualify for an income based repayment plan ( I am trying to qualify for the Public Student Loan Forgiveness Plan ). A manager named " XXXX '' XXXX repeatedly tried to direct me to a lower repayment plan- I specifically said numerous times that I want to enroll in one of the following plans : Revised Pay As You Earn ( REPAYE ) plan, the Pay As You Earn ( PAYE ) plan, the Income-Based Repayment ( IBR ) plan, the IncomeContingent Repayment ( ICR ) plan. I was told I do not qualify, and the manager keeps changing the subject. After more than 54 minutes on the phone line, much of which is on hold, I am waiting to speak with a representative based out of the United States due to communication barriers. The XXXX XXXX XXXX is trying to prevent me from applying for a qualifying repayment plan for Public Student Loan Forgiveness.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

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 the information is inaccurate.
Consumer complaint received 2022-03-09
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 am writing to delete the following information on my credit report. These items i need deleted have been enclosed within the report. My identity was stolen an I'm a victim of identity theft, an did not authorize these charges. Please delete these charges as soon as possible.
Consumer complaint received 2022-07-08
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2021 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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-25
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. (CA)

How many letters and complaints do I have to submit to the Credit Bureaus for them to comply with the FCRA section 605b? Upon Reviewing an updated copy of my Credit reports, I was disappointed to see that the Credit Bureaus have done nothing and cotniued reporting the unverified information on my Credit Report. I previously complaint about the same issues and requested that the Credit Bureuas provide me with copies of documentation which bears my signature to support the Credit Bureaus claims that the Disputed Items belong to me. The Credit Bureaus were given by the FCRA ample amount of time and repsond to my Letters and yet they have to do so. I am submitting this complaint to protect my rights under the Fair Credit Reporting Act section 605b and correct my Credit Report from erroneous and fraudulent information. I need the following items removed from my Credit File immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00}
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (ME)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX Tel : XXXX Alleged Balance Owed : {$1300.00} Original Creditor : XXXX
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (TX)

In reviewing my credit report, I noticed a derogatory claim by a company named Receivables Performance. I contacted the company and in verifying the information they had on file, the have an incorrect address. This explains why I did not receive collection notifications.
Consumer complaint received 2018-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MO)

My complaint is with XXXX XXXX XXXX. They are trying to obtain an amount different than their correspondence claims. My original correspondence stated I owed them {$540.00} which I agreed to owing. I set up a payment plan with them for {$100.00} a month to be debited from my account after I had already mailed them a {$100.00} money order. Today in the mail I get notice that they will be drawing out another {$100.00} on the XXXX of the month. That will be {$600.00} that I have already paid to them. When I called them about this they stated that I set up the payment arrangement for this payment with a final payment of {$37.00} and change to be taken out in XXXX. I asked her what the additional amount was for because I've already paid them most of the debt they originally said I owed. This rep told me it was for {$86.00} in court costs plus {$4.00} in interest. When I looked back at the notarized copy of what we agreed up, the interest says {$.00} and the court cost line is left blank. According to this paper sent from their office I only owe the debt of {$540.00} I believe this is a violation of the fair debt reporting act in trying to collect more than the original agreed upon amount was. I don't have an issue with paying in full the original amount they gave me but feel it's unfair that they are now trying to tack on this random amount I knew nothing about. It was NEVER on any of the letters they mailed me about my debt. I had another debt with them prior to this one and they were given too much money which took me almost 2 months to be refunded to me. Their debt collection practices need to be looked further into. I don't feel as if I should owe this additional since it was not stated prior. I did tell the representative I will be closing the account they are debiting their payment from and send them the remaining {$47.00} and that will be my final payment.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Neon Newco Corporation (AZ)

I have contacted NetSpend several times beginning XX/XX/ 2020. I was not able to get through to any reps for 26 days, on the day I was able to get through I was repeatedly placed on hold for hour long increments. My stimulus payment was direct deposited to an old NetSpend account I no longer use. I have been trying to get NetSpend to merge the old account with the new account I opened with them in order to access my funds. I have not received any help with this matter.
Consumer complaint received 2023-07-04
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: WELLS FARGO & COMPANY (FL)

On XXXX I had received a 30 Day Late Payment, due to unemployment. I have a job now that was better than my previous job and I get paid more. I came to an agreement with Wells Fargo when I spoke to one of their representatives that they are willing to remove my 30 Day Late Payment on my credit report for all 3 bureaus. XXXX already got this remark removed off my credit report. We just need XXXX and XXXX to remove the 30 day late payment off my credit report.
Consumer complaint received 2022-07-08
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/202XXXX 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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've consistently upheld timely payments on this account, preventing any instances of overdue balances. The appearance of late payment remarks on my accounts leaves me puzzled. As outlined in 15 USC 1666b - Billing Error, discrepancies should be corrected promptly.
Consumer complaint received 2022-03-09
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. (PA)

Upon checking my most recent credit report, I noticed that you are continuously reporting an account with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed Experian with regards to this issue and I have not received any response from them until this date. Listed Below is the account in question : XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX