davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CT)

Good afternoon, I contacted Jefferson Capital Systems , LLC. to get a debt validation prior to proceeding with their allegation I owe a debt especially since I've never done business with this company. This was sent XX/XX/XXXX and they received XX/XX/XXXX confirmed through Certified Mail. In my debt validation request in which I have the right to request under 15 usc 1692g, I asked Jefferson Capital Systems , LLC. to provide validation through : * The amount of the alleged debt * The name of the original creditor to whom the debt is owed * The name and address of the original creditor which differs from XXXX XXXX XXXX * The agreement between Jefferson Capital Systems , LLC and XXXX XXXX XXXX granting Jefferson Capital Systems , LLC. the alleged right to collect on XXXX XXXX XXXX behalf * A statement that if I notified Jefferson Capital Systems , LLC in writing within 30 days that the alleged debt is disputed, Jefferson Capital Systems , LLC must give me the verification of the alleged debt and a judgement against me the consumer * Any insurance claim submitted by any creditor regarding the account in question. 

I stated if any of the information requested isn't received or provided and an invalidated debt is still being reported to consumer reporting agencies, I will have to exercise my rights under 15 usc 1692k which includes for me filing this complaint through the CFPB. 

In response to this call to action on XX/XX/XXXX I was sent misleading and offensive information stating " they can't sue me due to law limits of time when they can sue on the debt. '' They state " if I dont pay the debt, they may or continue to report to credit reporting agencies as unpaid as long as the law permits this reporting. '' They also included 1 false and misleading representation of what they call a " verification '' of the alleged debt which is nothing but a statement from XXXX XXXX XXXX being sent to MS XXXX XXXX XXXX dated back to XX/XX/XXXX reporting on the alleged debt. This is not a validation of the alleged debt as I requested. This statement doesn't address any of my validation requests and is intended to mislead me on information regarding the alleged debt. This isn't right and I will like to continue to take action against Jefferson Capital Systems , LLC. pursuant to 15 usc 1692d. Thank you for helping me to bring remedy to this unfortunate circumstance.
Consumer complaint received 2021-05-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LENDING COMPANY, INC., THE (NY)

On XX/XX/XXXX, I received repeated calls that indicated Unknown and Spam on my cell number that is associated with my personal, unsecured loan account. Finally, I decided to answer the number that displayed Unknown. The representative proceeded to advise me that he was from the XXXX XXXX and needed for me to verify my account before providing any information. 

I said, " WAIT, hold up ''. " You are advising me that you are from the XXXX XXXX, who has all of my personal information and data, you " proactively '' call me and then ask me to provide you with my personal information. Is this a joke? '' The representative advised " well, I assure you, it's necessary and even though we called you. I advised this seems strange and not a practice that you should be conducting. The XXXX XXXX proactively called me from Spam and Unknown number and thought I would just voluntarily provide my account information. Are they insane? Perhaps they have become ignorant to all the ID Theft and data security breaches occurring against everyday citizens. This was not me calling XXXX XXXX, it was the XXXX XXXX proactively calling me from an unknown number. This is a horrendous and sketchy practice. 

To add more fuel to this fire, I decided to call XXXX XXXX back at XXXX to speak with a representative about the previous calls and determine if valid. This was a mistake. Although, I learned that the calls were valid! Apparently, the auto-debit from one of my personal loans was turned off and they wanted to speak about a payment. However, the representative was hostile and rude. I could not believe that a firm that has been my go-to financial institution for small personal loans went to XXXX in a hand basket so quickly. Since I called in this time, I was more than happen to know my account information needed validation but she kept cutting me off as I was trying to verify. She was impolite, apathetic. She was only focused on getting my loan payment matter sorted. I advised and authorized her to ACH debit agreed upon account and then asked to speak to a supervisor. She placed me on hold and advised that I would have to be put on a list to get a call back. I never did.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1600.00}
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX XXXX XXXX for {$100.00} to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for {$100.00} opened on XX/XX/2020 for {$100.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (UT)

I have co signed on the following student loans with my daughter and although the loans are in Deferral the lender Sallie Mae is reporting that I have borrowered over my high credit limit which is having a negative impact on my XXXX and hindering my ability to secure financing. the loans are : SALLIE MAE BANK XXXX XXXX SALLIE MAE BANK XXXX XXXX SALLIE MAE BANK XXXX XXXX
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-25
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. (VA)

XXXX is reporting unverified information on my credit report. They are reporting a bankruptcy on my credit report that is inaccurate. When I brought this to their attention, XXXX XXXX stated that they received the information from the US bankruptcy court. I then wrote a letter to the court system myself, asking for an explanation. The US Bankruptcy Court replied to my complaint stating that the court, in fact DID NOT provide XXXX this information, nor do they provide any personal information to any other credit organization. This is a clear case of identity theft and has been reported to local police. 
I sent this letter certified XXXX USPS tp XXXX along with my Identity Theft Affidavit. The company has not responded. to my complaint
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion 's skip-tracing product " TLOxp '' has been selling my personal data to a criminal operation running out of XXXX, GA using the pseudonyms " XXXX XXXX XXXX XXXX " XXXX '' and " XXXX ''. 

Transunion refuses allow me to block the sale of my personal data. Transunion refuses to disclose the actual identity of this customer and refuses to disclose all entities they've sold my data to through " TLOxp '' service. Transunion continues to sell updated data to this criminal and perpetuate a 2-year campaign of abuse and identity theft.
Consumer complaint received 2019-03-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CA)

I have an account with the money transfer service Transferwise. 

On XX/XX/2019, I received an e-mail about a money transfer being sent to a recipient in the XXXX, which I did not recognize nor authorize, in the amount of XXXX US Dollars. 

I contacted Transferwise and they informed me the money had already been sent and wasn't recoverable.

I strongly believe my Transferwise account was hacked into and this person used saved payment data to make a transfer to themselves ( or a fake alias ).

Once I logged onto my bank accounts and cards and noticed no money was taken out of my accounts, I immediately contacted Transferwise again to inquire how could the transfer be completed and the money sent, and no transaction be showing in either of my bank accounts. They informed me, then, that the payment method used was a Debit Card from XXXX XXXX XXXX. I do not have nor did ever have business with that bank institution. 

After realizing the money that funded my transaction had not come from my personal accounts, Transferwise said the matter was resolved. 

However, I called XXXX XXXX XXXX to inquire if any accounts had been opened using my personal data and they were unable to find any accounts under my name ( and all possible variations ), nor my Social Security Number. 

My best guess is some fraudster ( details below obtained from the Transferwise Transaction receipt ) used my account and someone else 's payment info to make this XXXX US Dollars transfer. 

I did inform XXXX XXXX of that, and did forward a copy of the transaction receipt to their representative XXXX XXXX, who was very helpful in trying to find if any accounts had been opened under my name or SSN. 

This is all the information I was able to retrieve from the recipient to which the money transfer was sent. I managed to obtain the following details in the Transfer Receipt : Recipient Details Recipient : XXXX XXXX Order Number : XXXX Address : XXXX XXXX XXXX., XXXX, XXXX, XXXX XXXX Phone : XXXX XXXX XXXX Bank Account Details Sort Code : XXXX IBAN : XXXX IBAN BIC : XXXX Account Number : XXXX I have also submitted a report with the National Fraud & Cyber Crime Reporting Center in the XXXX XXXX, home of the Recipient of the transfer.
Consumer complaint received 2021-10-25
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. (VA)

XXXX is reporting unverified information on my credit report. They are reporting a bankruptcy on my credit report that is inaccurate. When I brought this to their attention, XXXX XXXX stated that they received the information from the US bankruptcy court. I then wrote a letter to the court system myself, asking for an explanation. The US Bankruptcy Court replied to my complaint stating that the court, in fact DID NOT provide XXXX this information, nor do they provide any personal information to any other credit organization. This is a clear case of identity theft and has been reported to local police. 
I sent this letter certified XXXX USPS tp XXXX along with my Identity Theft Affidavit. The company has not responded. to my complaint
Consumer complaint received 2021-09-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a 609 dispute letter to Transunion, XXXX and XXXX on XX/XX/21. It has been over 30 days and they have yet to provide me with the results of the investigation. They have been reporting inaccurate Information. I have also sent a demand to comply letter on XX/XX/21 to the Bureaus.
Consumer complaint received 2021-04-30
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MN)

We have been charged PMI insurance from the date of our loan origination, this was despite the fact we had an appraisal showing the value of the property is significantly higher than the sales price. We requested the PMI insurance be immediately removed and a refund for the payments made as the there was more than an 80 % LTV on the property as required. The lender is refusing to honor the appraisal they have had in their possession since origination and was used to gain original approval for the loan. We feel the lender has fraudulently charged this fee and is refusing to remove the ongoing charges.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Upgrade, Inc. (AZ)

I received a legitimate looking credit card in the mail two weeks ago that I did not apply for. 
Last week I ran a free credit check through XXXX and the card doesn't show as an open account. 

Today I called " Upgrade '' aka XXXX XXXX Bank to confirm this was a soliciation. They asked for my email address to see if I had an open account. They did confirm I had an open account but would not help me without verifying the last four of my social and my date of birth ( understandably so ). 
I tried to reset my password online using the email they said I had used to apply for the account- it requires my full social security number to reset my password. 

This all seems highly unusual and suspicious. Probably phishing.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2022-04-29
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. (NY)

In accordance with the Fair Credit Reporting Act : XXXX Account XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX & XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
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 an account without my written instructions.
Consumer complaint received 2018-03-06
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. (LA)

Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX XXXX. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to Ally that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX XXXX paid XXXX XXXXXXXX  in full