davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

My wife and i are trying to buy a house and when my credit report got pulled a judgement of XXXX was on my report. When i dug deeper into it i realozed that this debit belongs to my father and not me. a couple years ago he showed me a letter stating that he needed to appear in court because midland funding was suing him for an unpaid balance.Also said it was for a credit card my parents decided not to pay anymore and just let it go. Now fast forwarding its on my credit and not my fathers. We have the exact same name cause we dont use our middle name. Midland funding did not investigate this matter to make sure they had they right person and now its affecting me and my family. I need this taking off my report immediately.My parents had the card for a very long time about 15 or 20 years. so that alone says i would be to young to have a credit card.
Consumer complaint received 2022-03-01
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) ; the permissible purpose of consumer reports to any consumer reporting agency may furnish a consumer reports under following circumstances in accordance with the written instructions of the consumer to whom it relates. 

I consumer XXXX never gave EQUIFAX, XXXX, AND XXXX any written consent to report anything on my consumer report. If you have my written consent to furnish my information, please show me proof of such written instructions from me, the consumer! EQUIFAX, XXXX, AND XXXX  are just an elaborate mechanism defined pursuant to 15 U.S. Code 1681 ( 2 ) ( 3 ). No consent is Identity Theft.
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stevens Business Service, Inc. (MA)

A Family member stole my identity and used there medical condition to create a utility bill under my name with out my knowledge i was not a resident at the time either and i got a phone call XXXX of 2018 saying i owed XXXX i disputed it but i also no longer live in the state of said incident and want the debt removed cause it was never approved by me, The Electric company is Until Based in XXXX mass, The person whom stole my identity is XXXX XXXX XXXX my father
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AZ)

on XXXX XXXX/XXXX/2017 sent in a pmt of XXXX and to have an extra XXXX applied to principal. the mortage company did not credit me with that pmt but added to escrow. I want it correctly applied to what I checked off on pmt coupon.
Consumer complaint received 2017-10-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (WA)

I opened a new checking account with UnionBank. I deposited {$250.00} through the personal check and deposited {$120.00} through the bank transfer. But a few days later, I received the letter from UnionBank stating my checking account was closed for fraud reason. And all my funds are frozen.
Consumer complaint received 2015-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc. (TX)

On XXXX XXXX, 2015 I received a collection letter from XXXX ; for debt that had been deleted from my credit report in XXXX 2015 due to CBE Group 's failure to provide validation. On XXXX XXXX, 2015 I requested validation of the debt from XXXX ; still have not received anything. On XXXX/XXXX/15 I pulled my credit report and discovered that this invalid debt is being reported.
Consumer complaint received 2016-12-26
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

My name is XXXX XXXX live in XXXX Va. Sold XXXX handbags to XXXX XXXX whom gave me a cashiers check dated XXXX/XXXX/2016 {$1300.00}, check # XXXX, routing # XXXX, and bank acct # XXXX, drawn on Fifth Third Bank in XXXX KY which was returned and I called my bank Suntrust who stated looked suspicious so my acct was overdrawn due to this. Called Fifth bank spoke W/XXXX who stated the acct # on check is good but there was no monies on this cashier check and does not know what happened, so I believe XXXX knew this at the time she presented the check and so I feel I got now where with Fifth Third bank. There customer committed fraud. I been sending emails to here about this and she has not responded so I believe she intended to stiff me out of this monies and I would liked this looked into. her email address is XXXX and with offers up email listed as Deals discuss-XXXX
Consumer complaint received 2024-02-16
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)

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Transunion are consumer reporting agencies and I am the Consumer. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Transunion, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, and XXXX XXXX XXXX are not maintaining reasonable procedures.
Consumer complaint received 2021-06-06
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 — Investigation took more than 30 days
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I have filed a dispute in regards to the incorrect items listed on my credit report. Its been well over 45days and I still have not received any investigation results.
Consumer complaint received 2019-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Clark County Collection Service (NC)

I am a veteranXXXXgovt employee working in XXXX XXXX XXXX   Hospital XXXX XXXX. I do not have responsibilities for any bills. The VA is my insurance company. The City of XXXX XXXX sent my bills to XXXX XXXX XXXX XXXX XXXX Fee Basis   sent invoice for my bill for payment To XXXX Texas XXXX for date of service of XX/XX/XXXX. The confirmed electronic check # XXXX XX/XX/XXXX was sent to City of XXXX XXXX. My file had XXXX Balance. No account was ever sent to collections for any reason. ( Confirmed ) The City of XXXX XXXX started outsourcing billing XX/XX/XXXX according to my research. 
I received this information from agents still working with files before XX/XX/XXXX. I have been working on improving my credit score since my illnesses. I checked my report and this collection has been on my report since XX/XX/XXXX. 
I am very very disappointed and upset. The information is incorrect & should not be there. I did not receive any notice. Im concerned there have been more files in collections being billed twice through Dept of Veterans Affairs. 
I have tried giving all this information to CLARK COUNTY COLLECTIONS AGENCY   without resolution. I would like my score to be returned back and this to be remove from my credit report. I would like an audit of files sent to the from City of  XXXX XXXX about Dept of Veterans Affairs.
Consumer complaint received 2016-04-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collections Acquisition Company, Inc. (FL)

Reported to the credit bureau that I wrote a bad check to a company I NEVER had any dealings with- its is called XXXX and the check is in the amount of {$4400.00}!! I have disputed with XXXX - but they said the collection agency isnt taking it off- EVEN THO the collection agency CAN NOT produce ANY Proof- Because there is NONE- I HAVE NEVER WROTE A CHECK TO XXXX- much less XXXX for $ XXXX THATS A HECK OF ALOT OF SODA- dnt you think?!!!!! This is ridiculous, and these companies can not be allowed to do this WITHOUT PROVING their claims for collections!! this is ruing my credit- and its fraud!!!
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

It has come to my attention that I, XXXX XXXX XXXX, a natural person, pursuant to 15 usc 1602e am fully aware that there is evidence of Resurgent Capitol Services ( LVNV Funding ) illegally attempting to collect an alleged debt! and has violated my federally protected consumer rights to privacy and confidentiality Resurgent Capitol Services ( LVNV Funding ) is in Violation of FDCPA Title 15 USC 1692c 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt! 
( I Never gave you permission to contact me ) Pursuant to 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( You Have Not Validated This Alleged Debt, Partial Information is unacceptable ) I did not grant Resurgent Capitol Services ( LVNV Funding ) permissible purpose to obtain my personal & private information, So they also have committed identity theft, Pursuant to 15 USC 1681a ( q ) ( 3 ) : The term identity theft means a fraud committed using the identifying information of another person.

I have sustained emotional and psychological damages because of Resurgent Capitol Services ( LVNV Funding ) unfair and deceptive practices, and willful disregard of my privacy and its reporting has damaged my character.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am making a complaint with Transunion Credit Bureau. I have a bankruptcy on my credit report that was sent to the credit bureau. I provided my documents from the bankruptcy courts stated that they did not report to Transunion Credit Bureau. Transunion Credit Bureau still is refusing to get rid of the bankruptcy in my credit report.
Consumer complaint received 2017-10-13
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: GRANITE STATE MANAGEMENT & RESOURCES (VA)

InXX/XX/XXXX, my daughter was accepted into XXXX XXXX College. However, after one week, she  asked to come back home because the school climate was not conducive to her as an XXXX XXXX. She withdrew from the college and then we started receiving invoices for repayment of a {$5000.00} loan. This private loan was never distributed to her nor my account so we do not understand why we are repaying a loan for one week  's stay.. 

When I asked about this loan of which I believe I am a co-signer, I was told the school records indicate that she was enrolled from XX/XX/XXXX to XX/XX/XXXX. This is incorrect and this loan is being questioned. 

The school 's admission office was pushing all type of financial aid so that she could attend their school. 

We would like this matter investigated.
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Collections West, Inc. (NC)

Date per company:XXXX Company : US Collections West Issue : I have submitted to the company, and XXXX  a police report and an Affadavit explaining this account is fraud. Back in XXXX ( cant  temember exact date ) I was in the process of moving where I went to a public library to make copies of ids socials and other info ( paystubs etc ) for a rental application. I left the folder at a computer while using the restroom and it disappeared. All of a sudden later about 1-3 months accounts started popping up that was not opened by me. I know people may think all XXXX people look alike because they allowed this person to physically open up stuff and sign or it and everything. I explained this to the company over 5 years ago. It was also at one point removed from all of my credit reports then all of a sudden inXX/XX/XXXXthis company put it back. This company is refusing to remove it. I sent them my police report and everything. XXXX has also sent them the same info. They refuse to let me speak to a fraud specialist and they have not given me any other way to remedy this. This isnt right. And I need help.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

TRANSUNION REPORT ONE OF MY XXXX CREDIT CARD OVER THE LIMIT WICH IS NOT TRUE AND MYU SCORE WENT DOWNED XXXX POINT. I CALLED TRANSUNION CUSTOMER SERVICE AND THEY SAID THAT XXXX XXXX  XXXX ACCT CREDIT CARD ENDING XXXX IS OVER XXXX AND THAT IS NO TRUE THE ACCT IN QUESTION BALANCE IS XXXX WHICH LEFT ME WITH XXXX AVAILABLE TO USE. HERE IS XXXX XXXX  XXXX XXXX FOR YOU TO VERIFIER WHAT I SAID. I NEED TRANSUNION TO STOP TARGET ME AND GIVE THE XXXX POINTS BACK TO MY SCORE.ANY FUTHER DOCS YOU NEED DON'T HESITATE TO CONTACT ME PLEASE. 


XXXX XXXX
Consumer complaint received 2022-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (CA)

Approximately XX/XX/XXXX I received a bill ( attached ) for {$78.00} for medical services performed on XX/XX/XXXX at XXXX XXXX XXXX. Note that, although it was nine months after the service, XX/XX/XXXX was the first time I received a bill for the services. My husband promptly paid the bill in full on XX/XX/XXXX and got a receipt for payment ( attached ). In early XX/XX/XXXX I began receiving phone calls from ARstrat, the collection agency for XXXX XXXX XXXX. They said I still owed {$31.00} on the bill. I said, " no, the bill was paid in full and I have a receipt ''. The agent, XXXX XXXX [ XXXX ] asked me to email a copy of the original statement and the payment receipt, which my husband did on XX/XX/XXXX. XXXX also suggested " well maybe the balance owed was from a different bill ''. She was guessing. I said " no, the date of service and the account number on the collection statement ( attached ) matches the original bill. You're trying to collect on a bill that was already paid ''. Further, I said " even if there is another unpaid bill then tell me what bill that is so I can prove that it was paid also ''. I have not received a response to that request. A few weeks later, I am still receiving phone calls and collection requests in the mail. They keep insisting that I owe the money. They have also threatened to report me to the credit bureaus for non-payment. I consider this bullying and harassment.
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent four letters to Transunion credit dispute department started on XXXX 2017 thought out the months leading up to XXXX 2017 asking them to verified four accounts each time Transunion mail me my dispute results always say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. Transunion have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( 12 U.S. Code 5533 ) seems to be false representations and inclusion of inaccurate information this violating federal laws. Transunion is unwilling to verify any of these accounts, then under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I  am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Each letter I sent had a copy of my SS # and driving license inclosed
Consumer complaint received 2019-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are inquiries on my credit report that are not mine and someone has been trying to open accounts in my name. I am in the process of contacting the appropriate authorities. The following inquiries are from identity theft and not mine. Attached is a copy of my FTC affidavit. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-16
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: Experian Information Solutions Inc. (TX)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.