davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE (NY)

Summer of 2020 i did not receive a statement from a credit card company for XXXX informed the card company they refunded the missed payment fee but reported the missed payment to the credit bureau subsequently my credit rating went from XXXX to XXXX and to this date is only XXXX this was during the height of covid the bank was barkley
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( 3 yrs, 9 mos ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( 1 yrs, 6 mos ), XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX0 ( 1 yrs, 5 mos ) 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 2023-04-06
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. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2021-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Entered Motion to Open Default Judgment on XX/XX/21 in court of common pleas and Judge still has not opened or viewed case discrepancies, complaint and continues to allow unlawful illegal and severe misrepresentation on behalf of the counsel hired by XXXX. There is no legal assignment of mortgage to Deutsche Bank National Trust Company ever received per the FDCPA, FCRA, RESPA and other state and federal laws stipulate. Case needs to be reviewed by another judge other than Judge XXXX XXXX as this judge is very biased and refuses to apply legal laws that protects homeowners and citizens in the commonwealth of Pennsylvania.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions. this account was reported XX/XX/2022 in the amount of {$380.00}. In addition XXXX XXXX XXXX  XXXX account # XXXX has also violated my rights in accordance with the FCRA 15 U.S.C 1681 section 602 A and 15 U.S.C section 604 A section 2 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as Experian. these accounts are with DEPARTMENT OF EDUCATION XXXX XXXX, LOAN SERVICER. this is willful defamation. FCRA Part ( A ) ( XXXX ) ( B ) ( XXXX ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, .DEPT OF EDUCATION 'S XXXX XXXX which is ( still reporting )?, Experian has held an investigation longer then 30 days and with willful intentions to keep reporting another FDCPA violation liable for damages. I have peacefully notified all arrived with proof of claim and statement, and have defaulted XXXX XXXX, with a Notice of Default via mail XXXX XXXX. I have not authorized any reporting or information nor should the information be reporting on my reporting due the primary nature of this investigation and complaints of not have any written instructions or " permissible purpose " pursuant to 15 US code 1681 B, also 15 USC 1692, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character. Not to mention the XXXX XXXX action suit filed XX/XX/2021 due to predatory lending.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I, XXXX XXXX, am writing this dispute because I noticed inquiries on my credit report that I did not authorize! I do not have any knowledge of these inquiries nor do I have knowledge of how they got on my credit report. Below I am attaching a FTC Report so that the CFPB has a copy of the fraud alert I am placing on the credit agency reporting these inquiries. I am also attaching a dispute letter, proof of address and my ID as identification. Again, I do not have any knowledge of these accounts until I recently checked my credit report seeing inquiries that do not belong to me.
Consumer complaint received 2022-01-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NV)

I was misled by a friends XXXX XXXX account ( which I had no clue it was her XXXX account until she recently posted on XXXX it was a XXXX  account ) on how she experienced receiving government bail out funds and received a check. I decided to give it a try. She informed me that I need to be referred to a XXXX representative in order for me to qualify. She said XXXX contact the representative regarding the referral and gave me the phone number of the representative for FGGD Bail Out Funds. I texted XXXX XXXX. He requested for my identity including a picture of my ID, SS # and XXXX profile. He said I qualified for the program and to choose wisely on the amount due to the delivery fees. I chose $ XXXX which was {$1300.00} in delivery fees. I paid it upfront in XXXX XXXX XXXX XXXXXXXX XXXX location to XXXX, XXXX. He said your delivery should be in tact. On the day of the check delivery, he texted me and told me the delivery was delayed due to the taxes of $ XXXX which is ( 5 % of the $ XXXX ) needs to be paid prior to delivery according to state law. So I was given the run around to send $ XXXX XXXX XXXX again to erroneous people in XXXX, XXXX. At this point, the tracking was put on hold in Arizona according to the tracking number he provided. I questioned it again on why its on hold and he informed $ XXXX must be paid for insurance fee due to complaints of missing checks. So I paid $ XXXX through my bank and wired the funds to XXXX, XXXX. He confirmed it was received. I then get an email from a FGGD representative stating due to the delivery situation that I went through, my funds were upgraded to $ XXXX and fees of of $ XXXX is required for the check delivery. Mind you, I didnt request for an upgrade which I was very upset with XXXX XXXX XXXX and he advised theres nothing he can do and is unable to refund me all of the funds Ive invested. I have all of the receipts as my proof of funds sent. 

My friend posted on XXXX today XX/XX/19 that she was hacked and XXXX XXXX XXXX is fraudulent and does not work for the Federal Government Grant Department ( FGGD ). Its a scam. Delete his phone number XXXX and XXXX. 

XX/XX/19 Western Union Fraud Department Spoke with XXXX operator XXXX Case # XXXX New tracking # XXXX in replace of tracking # XXXX from XX/XX/19 XXXX XXXX XXXX Western Union Fraud Hotline Tracking numbers and details for every transaction. 
A report will be filed for every transaction. 

XX/XX/19 XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX, XXXX XXXX {$650.00} XX/XX/19 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XX/XX/19 XXXX XXXXXXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XX/XX/19 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$750.00} XX/XX/19 XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX, XXXX XXXX {$750.00} Total {$4300.00} paid
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

I would like to make a " goodwill request '' to have some or all of those late payments removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate those late payments with the credit bureaus by filling out the " Universal Data Form '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need. This is regarding account :
Consumer complaint received 2023-02-14
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy! 5 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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 2022-01-16
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. (NJ)

XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX  Original creditor XXXX  OpenedXX/XX/XXXX( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX  This is another account on my credit file that is fraudulent.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX {$320.00} Open balance XXXX XXXX XXXX  Original creditor 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 2022-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (PA)

Approximately six month ago, received a phone call from Montgomery Ward stating that I have an unpaid account and asking for payment. Notified company I did not open an account and was told to file a fraud report on my credit and would receive paperwork in the mail regarding how to file up and complete the fraud report. Montgomery Ward never sent this paperwork despite the fact I asked multiple times. Company continues to call and harass a phone number that is not my primary phone number and refuses to stop using that number. Company calls everyday despite knowing that activity is fraudulent. 

Mont Ward XXXX XXXX
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX, XXXX, XXXX XXXX this is willful defamation. Infringement on my XXXX Amendment rights, especially to privacy and to be secure in my papers. An Identity theft report has been done ( report Number XXXX ) in accordance with the Federal Trade Commission. I have sent certified mailings to credit bureaus demanding compensation from them due to the Civil Liability, the defamation and willful intent to infringement of my XXXX amendment rights to be secure in my papers, which Have been fraudulent obtained and retained, without my consent. The deceptive, false claims made by business who are in collusion with these third party credit bureau who continually are buying and monetizing off my public information. I have sent demand letters to XXXX, XXXX, and Equifax.
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Recovery Inc (VT)

Asset Recovery Inc ( XXXX Vermont ) has placed 6 ( at this time ) XXXX XXXX on my credit report. 
I can not see the account numbers for these collections to provide to you. 
They did not send a dunning letter for me to dispute the alleged debts. I was unaware they were attempting to collect any alleged debts.This is the 3rd time this company has done this in the last year. Any of my alleged medical debts are covered by XXXX XXXX XXXX ( Paid insurance ) Any remaining balance is covered by XXXX XXXX XXXX program thru XXXX  I have Spoken to my financial counsel at XXXX. They tell me the invoices were sent in error. This is the 2nd complaint I have made against Asset Recovery Inc this year. The 1st complaint took them 2 months to respond. They said they were removing the collection I complained about. They have not taken any action at this time.

This has a drastic impact on my credit score and ability to secure funding.

The collections they are reporting are inaccurate and untrue. This company is willing to report unverified, non valid accounts knowingly and not held accountable for doing so.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name and address is incorrect on my credit report. My correct name is XXXX XXXX XXXX XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX PLEASE DELETE ALL ADDRESSES, I HAVE NEVER RESIDE AT THESE LOCATIONS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX FL XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX PLEASE REMOVE THE FOLLOWING NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING EMPLOYERS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-28
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: EQUIFAX, INC. (FL)

HELLO I AM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL FRAUDULENT INQUIRIES FROM MY CREDIT REPORT HERE I LEAVE IDENTITY THEFT GURDAR ON MY CREDIT REPORT
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MS)

Back in XX/XX/XXXX I had an unexpected problem with my electric bill and got behind on my mortgage. We live on a fixed income. When I called Mr Cooper to see what I could do to correct the problem all the woman talked about was a modification. I had just gotten one in XX/XX/XXXX and was doing fine and knew I would not get another. I explained to her very clearly that I don't have a computer, printer or internet and would need papers mailed to me. All she said was I'd get them in a week to 10 days. Never saw any. Called and asked again. Same thing. No papers. Finally third time she says oh we can't mail forms just the tax form. Meanwhile months have gone by. Getting more behind and won't take any paynents. On my own I finally figure out how to download forms on my cell. Then find out how to fill them in on my cell. Took weeks because print is so small. At no time does this person tell me about refinancing or loan repayment plans only modification. After getting all paperwork in she wants a letter about taxes and then a letter saying not to use my husbands info. When I later asked her about this she denied it. Turned down because of not enough money. Now two years later and still can't get help.
Consumer complaint received 2021-09-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (AL)

MY dispute was delivered on XX/XX/XXXX to Convergent outsourcing simply asking them to provide the following information y. I requested verification of the alleged debt. Specifically, I requested the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and an itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. ( 4 ) Proof that this is an account as defined in Title 15 1693 A ( 2 ) the term account means a demand deposit, savings deposit, or other asset accounts. You are illegally attempting to collect the alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification.

I have not received a response yet Convergent outsourcing has failed to respond to my verification request. I want this alleged account deleted from all consumer report agencies immediately.
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Since some XXXX put these chip readers in. Several stores readers using CREDIT CARDS refuse to process the cards without a pin number. If I use my pin then the XXXX at huntington charge me extra fee as a XXXX card when I plainly hit CREDIT on the terminal. This SCAM is no longer acceptable.
Consumer complaint received 2024-03-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (WA)

on XXXX, I received a call from XXXX XXXX XXXX XXXX and they provided false information regarding a supposed loan that I took out with CashNet USA on XXXX. XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX xt XXXX advised I owed {$600.00} for a payday loan - loan # XXXX. She advised a civil action will be filed unless i take out an agreement to pay the amount. 

on XXXX, I called CashNet usa at XXXX and spoke with XXXX. She advised I do not have any loans outstanding and my last loan was paid in full in XXXX I do not owe anything to CashNet USA. 

XXXX sent me an agreement to sign. when i opened the document, it states merchant is XXXX XXXX her email also does not have an email address tied to XXXX XXXX XXXX XXXX, hence i am thinking this is not legitimate and fruad and i wanted to report it.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX {$320.00} Open balance XXXX XXXX XXXX  Original creditor 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.