davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2021-10-29
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: Nelnet, Inc. (PA)

Hello. A representative XXXX from Firstmark called me to get payment from a loan my ex husband took out for our daughters college tuition. He applied for that loan in XXXX from XXXX. Since then, XXXX sold the loan to Firstmark. I talked to XXXX to let her know that my name was signed electronically and she said there is nothing she can do. XXXX admitted on a recorded line that I did NOT co-sign on that loan for my daughter. Now, I have a missed or late payment on my credit for something I have no dealings with. Here is the contact person at Firstmark to validate what the conversation was about on XX/XX/XXXX around XXXX XXXX XXXX Recovery Specialist II Firstmark Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o : XXXX Firstmarkservices.com
Consumer complaint received 2017-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stanislaus Credit Control Service, Inc. (CA)

Stanislaus Credit Control Services reported {$450.00} on my credit without sending me any communication. I was never informed that this money I have to pay. I did n't even receive verification of debt which I requested. They did n't even inform me, all they did is reported to my credit report. So I called them and requested them its wrong I may dispute it later by I want this off my credit report. So they asked me to fax a letter which I did n't on XX/XX/XXXX but they still did n't fax me any proof. So I am not even sure if I owe this money and if I do I still need complete proof of service. I would like to request why did they report it without informing me. So I like this to be deleted from my credit report
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX  XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX, EXPERIAN & XXXX DATE OPENED-DATES DIFFER FROM XXXX, EXPERIAN & XXXX BALANCE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX, EXPERIAN & XXXX CREDIT LIMIT- AMOUNT DIFFER FROM XXXX, EXPERIAN & XXXX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, EXPERIAN & XXXX DATE LAST ACTIVE-DATES DIFFER FROM XXXX XXXX EXPERIAN XXXX XXXX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX XXXX EXPERIAN XXXX XXXX PAYMENT HISTORY-DATES DIFFER FROM XXXX, EXPERIAN XXXX XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Consumer complaint received 2022-12-16
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. (TX)

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 which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$33.00} ; XXXX XXXX XXXX XXXX Balance : {$320.00} 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 2021-10-29
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SMS Financial, LLC (OK)

XX/XX/2021 XXXX - Contacted my employer who transferred the call to my department. At this time she was advised that this is a work number and personal calls are not allowed. Advised not to call back. ( 2 other staff were witness to this conversation. ) XX/XX/2021 XXXX XXXX left on company voicemail from same woman who was advised on XX/XX/2021 that this is a work number and we are not allowed personal calls at work. 

XX/XX/2021 XXXX XXXX left on company voicemail from same woman who was advised on XX/XX/2021 that this is a work number and we are not allowed personal calls at work. 

XX/XX/2021 XXXX same woman transferred to my dept and was AGAIN advised that this is a work number and personal calls are not allowed. Same woman called back AGAIN, spoke with another dept and left a message asking for me to call her back. ( emails from co-worker on XX/XX/2021 XXXX and XXXX )
Consumer complaint received 2022-05-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX, has violated my right. 

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. 


XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account # XXXX
Consumer complaint received 2022-05-16
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. (TX)

I have disputed with the Equifax at the beginning of the month but they failed to attach a police report when disputing the fraudulent XXXX  XXXX XXXX ending in XXXX. The investigation took 3 days and to be honest that's not an investigation and they didn't verify everything in 3 days.I have never signed up for this account My rights have been violated and I am trying not to file suit
Consumer complaint received 2022-05-16
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I settle with this company, accordance with fair credit reporting act XXXX  credit acceptance corp XXXX violated my rights. 15 u.s.c 1681 section 602 states i have the rights to privacy. 15 u.s.c 1681 section 604 A. Section 2 It also states a consumer reporting agency can not furnish account without my written instruction. I would like it to be removed from my credit report.
Consumer complaint received 2022-12-16
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)

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 which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$320.00} 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 2021-10-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

On XX/XX/2021, I started a couple of transactions at the Money Gram website, both were for the amount of {$2900.00}. ( XXXX XXXX XXXX XXXX XXXX XXXX and XXXX/100 's dollars ) Authorization No. XXXX and Authorization No. XXXX. 

the money was deducted from my XXXX XXXX checking account, on XX/XX/2021. 

XXXX XXXX Reference : MoneyGram WEB PMTS XXXX XXXX XXXX XXXX MoneyGram WEB PMTS XXXX XXXX XXXX XXXX On XX/XX/2021 I canceled both transactions trough the Money gram website. I didn't get any email confirmation for my cancellations but that has happened before, so I was not worried about that at the moment, and on my Money gram account both transactions appeared as cancelled. 

On XX/XX/2021 a credit for XXXX was posted on my XXXX XXXX checking account XXXX XXXX XXXX MoneyGram WEB PMTS XXXX XXXX XXXX XXXX I contacted Money Gram service via chat a few days later to ask about the other reimbursement and was told that I needed to way up to 10 business days to get my money back, which is understandable and I was OK with that.

After 10 business days I contact them again, and get the same response. 

then contact them again and they tell me that the refund was made on XX/XX/2021, that if the money was not showing on my account, I should contact my bank, and they could do nothing else. I asked for a reference number on their transaction back to the bank, but all they keep saying is that they don't have any additional information. 

Knowing that the bank could not resolve this, I initiated a claim with the bank, and the obvious result was the it was denied, since they never received the money from Money Gram back into my account.

Please help me get my money back from Money Gram. 

All they keep saying is that they already deposited my money into my account, that it is the bank 's responsibility.
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

The loan servicing company, XXXX ( Lakeview Servicing ), does not properly disburse funds from escrow and does not communicate with its customers. As is typical with a conventional mortgage, my homeowners insurance and flood insurance was supposed to be paid from my escrow account. All payments are current and have always been paid timely since the inception of the mortgage. 

Regarding my homeowners insurance, XXXX did not timely pay to re-new my insurance policy, which resulted in a lapse of coverage and multiple phone calls to try and resolve why the premium was not paid. This is unacceptable and the company should be making timely payments and not allowing its customers to be left with a lapse in coverage. 

Regarding my FEMA mandated flood insurance, XXXX never advised the flood insurer that it was now servicing the mortgage ( originally a XXXX Mortgage ). XXXX never paid the flood insurance renewal - allowing the Policy to lapse. The original flood insurance company refused to back-date the Policy, resulting in me having to purchase a completely new flood insurance at a much higher cost. I provided proof of a brand new flood insurance policy on XX/XX/XXXX and still today ( XX/XX/XXXX ), XXXX has refused to pay the policy premium through the escrow account. They have instead suggested I buy the Policy myself. XXXX is also threatening to charge the account {$670.00} because there was a lapse in coverage - a lapse that the company caused and created and is now blaming the homeowner for and charging the homeowner. XXXX is placing lender placed forced flood insurance on my property, where I have provided a different Policy and they refuse to pay it and instead tell me the situation is " out of their hands. '' Most of the representatives are nice, but seem very limited in anything they can do and can not resolve any situation. Please do not allow XXXX to continue to service mortgages, and fail to pay from escrow accounts, resulting in a significant hassle and frustration to the homeowner. This is an unacceptable practice, whereby ultimately, XXXX is holding on funds it needs to release and is engaging in predatory lending practices and violating fair debt collection practices.
Consumer complaint received 2022-12-16
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IN)

Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process.

Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately.
Consumer complaint received 2022-12-16
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 submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly correct or remove the following right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX 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 2022-05-16
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. (AL)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Google Compare Credit Cards Inc. (TX)

I bought gift card for a friend, that friend without knowing that his account was hacked I sent the gift cards to him via E mail. Google Play Cards. Six {$50.00} cards in the amount of {$300.00} I have contacted google about this and they will not help me. I am very upset! 
My name is XXXX XXXX Please leave me a message regarding this My phone number is ( XXXX ) XXXX My email is XXXX XXXX
Consumer complaint received 2022-05-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (FL)

Good morning my name is XXXX XXXX Ive made a complaint already so this is junction to that complaint. Complaint id XXXX. Please read that complaint to be informed. Now XXXX XXXX  is asking me to contact Bam trading services inc, for a notarized statment from the paye that the wire transfer is valid and that it will not be requested back by hold harmless letter! Ive been going over this for the past 4-5 months please help
Consumer complaint received 2021-10-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc (TN)

I sent a debt verification request to Professional Credit Management , INC on XX/XX/2021 and it was confirmed received on XX/XX/2021 and the company has failed to adequately validate the alleged debt. Instead, they sent me a list of medical procedures done, which I know is a direct violation of HIPAA regulations. I never signed and they could not produce a release form authorizing them to have access to this information.
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (GA)

My closing agent mailed XXXX checks to payoff my XXXX CITI credit cards on XX/XX/XXXX. The XXXX checks were cashed by CITI on XX/XX/XXXX, as of today CITI still does not apply those funds to my accounts and they are charging me late fees and reducing my credit limit because I " owe '' money to them.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a copy of my credit report and found the following item to be in error : XXXX XXXX account number XXXX 1. Three different balances are being reported {$1500.00} is being reported on TR, {$2500.00} is being reported on XXXX  and {$1500.00} is being reported on XXXX. 
2. Three different last dates of payments are being reported XX/XX/XXXX ( TR ) XX/XX/XXXX and XX/XX/XXXX XXXX reported 30 days late XX/XX/XXXX when the account was not. XXXX also reported 60 days late XX/XX/XXXX and the account was not. ( TR ) and ( XXXX ) reported 30 days late in XX/XX/XXXX when the account was current. XX/XX/XXXX ( TR ) ( XXXX ) ( XXXX ) all reported different account statuses. 
By the provisions of the Fair Credit reporting Act, I demand that these items be removed. This is a clear violation of 15 U.S 1681s-2 ( a ) a duty of a furnisher to provide accurate information. 15 U.SC Sec. ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is inaccurate. I understand that under 15 U.S.C Sec. 1681i ( e ) you must complete this re investigation within 30 days. Please send me a copy of my credit report to the address listed below. Thank you for your help in this matter.