davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I recently discovered the alleged debts being reported on my credit report from this company. As I did n't recognize the debt I mailed this company a request for validation. The company has not provided me with validation and continues to report the accounts on my credit report still.
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (OR)

Someone is using my information to open fraudulent utility accounts. Recently I became aware that a fraudulent account had been sent to collections by Transworld ( I was alerted by my credit monitoring ). I contacted Transworld and let them know that it was a fraudulent account and that I have never resided in Texas. They asked me to file a report at XXXX, which I did. I also sent them copies of my drivers license, power and Natural gas bills here in Oregon during alleged time, and copies of my mortgage statement proving I reside in Oregon. I have heard nothing from them.
Consumer complaint received 2024-02-14
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. (SC)

Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account NumberXXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX XXXX - Account Number:XXXX
Consumer complaint received 2015-10-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: EQUIFAX, INC. (TX)

I hired a law firm in XXXX 2013 because XXXX was going outside the parameters of their contract and was committing deceptive trade. The supporting documentation is attached that I have tried to work with XXXX and my attorney has also tried to work with XXXX to correct the issues they are reporting. Essentially XXXX has a glitch in their website and they are not processing payments in a timely fashion and then reporting them as past due although the payments are made prior to being 30 days over the due date.
Consumer complaint received 2022-01-20
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. (OR)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-02-14
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. (IL)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

Summary of Accounts being challenged in list form XXXX XXXX - Account XXXX Bankruptcy - Account XXXX Bankruptcy - Account XXXX
Consumer complaint received 2024-02-14
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2022-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/22, XX/XX/22 and XX/XX/22 I purchased 4 {$500.00} Apple gift cards for a total of {$2000.00}. The cards I received were not activated despite the packaging holding the cards being correctly activated. This was confirmed with Apple gift card support. Despite this problem being recognized, Apple gift card support refused to help correct the problem. I was in contact with Apple gift card support over the telephone and email multiple times between XX/XX/22 and XX/XX/22.
Consumer complaint received 2022-01-20
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. (OR)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FORD MOTOR CREDIT CO. (TX)

On XX/XX/22 received 11 calls in 10 mins. On XX/XX/22 received another 18 calls in 3 mins. On XX/XX/22 received another bill of calls. I have screen shots of all the history. Have called ford to get them to stop and was told no.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CT)

So in XXXX I took a trip from Connecticut to Florida while down there I was the victim of a robbery in the process my card was taken I called and reported my card stolen and opted to pay the fee too have a new one shipped to Florida the card came but the opportunity to use it never did because they sent it restricted with a request for legal documents I would have no way to get for them while over a thousand miles from home they did however give me the option to have my account terminated which I didn't want to do at that time do to my direct deposit I did however order a new card ( brinks ) unbeknownst to me there the same company ( XXXX ) which means my account information is the same netspend still refuses to have the corporate office contact me as well as the fraud department they refuse to terminate my account or transfer funds to the brinks card verifying it's me through cross reference and in the meantime while the country suffers from a pandemic I'm not allowed access to my funds which have been held from me for over a couple months
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

I gave a 60 day notice to leave the apartment building where I used to live. I left a letter in leasing office and talked with the leasing department as well but they still charged an extra month plus additional fees in order to damage my credit. This was a fraudulent and bad business practice from the landlord to charge extra at the moment of leaving the property. 

The lease was paid in full and always kept the contract in good standing.
Consumer complaint received 2022-01-20
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. (FL)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Yes Online Inc (OK)

The collection agency is listed on experian as Dynamic Legal Recovery on XXXX  and XXXX they list same debt collections agency yes online inc this is a corporate debt not a personal debt, they know this, they threatened to ruin my credit on the phone. I have asked them to verify debt in us mail several times and they have failed to do so. XXXX will not remove the collections, XXXX will not remove the collections nor XXXX. This deriggatory info on my credit file is damaging to me in which it is not my personal debt they should remove derogatory info immediately i have attached an order form the creditor XXXX XXXX  not XXXX XXXX gave to me
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXXXXXX XXXX used my Credit Information with banks that I did not authorize such as XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I authorized to run my credit to XXXX XXXXXXXX XXXX to get an auto loan from XXXX. I authorized just 1 Bank and not 5 different banks. XXXX XXXXXXXX XXXX affected my Credit Score. They should tell me in advance before running my credit 5 times. 
The car salesman offered me on XX/XX/XXXX, a XXXX XXXX XXXX XXXX XXXX. I traded my old car XXXX XXXX XXXX, and the salesman said that everything was approved by the dealer, and I left the car dealer place with my new car. Next day a received a call from the same salesmen stating that the financial manager wanted to talk with me. I went to the XXXX XXXX dealer again and the Financial Manager informed me that I had to return my new car. He said the auto loan was not approved. I informed to Financial Manager that the Salesman told me that everything was approved, and that is why I left the dealer with the new car. They lied to me.

This situation increased my Car Insurance, because I had to change my car insurance for a new car, before leaving the dealer. So, they made me return the new car XXXX and offered me another car. I had to trade the new car XXXX for another car which was not XXXX  ( XXXX XXXX ). I had to report to my car insurance company again and they increased my car insurance again. This situation was very difficult and frustrating. I requested an appointment with the Sales Manager, and he just offered me to give them another big down payment of {$6000.00} after I gave them {$2000.00} to get a XXXX  car like the car that I trade from the beginning of the whole story. I ended up with my credit score very low after having a decent one. They screwed my car insurance. I ended up paying {$8000.00} down payment, they ran my credit 5 times without my authorization. I spent a couple days and long hours at the dealer trying to fix all this situation. They even lost my plate number, and they requested another one from XXXX. It was a nightmare. I hope nobody experiences something like this with this Dealership XXXX XXXX XXXX.
Consumer complaint received 2022-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I have reached out to XXXX XXXX Several times in attempts to Inform them that this account is no mine. I didnt open an XXXX XXXX account. At the time it states that it was opened my credit wouldnt have allowed me to get a new credit card. 

Please have this account removed, it is hurting my credit substantially. I have disputed this several times with the credit bureaus and contacted the business as well to no avail. Also I have asked them to verify that this is me via Name, Phone number, ID etc and. Nothing. 

Please have this removed asap. 

Thanks, XXXX
Consumer complaint received 2020-06-01
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. (NC)

Transunion displaying inaccurate employer on credit report. I do not work for XXXX XXXX. Which I have told them before I work for XXXX  and sent them info.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (TX)

I opened a Apple card account in XX/XX/XXXX with a credit limit of XXXX USD In XX/XX/XXXX I spent XXXX USD using this Apple Cards Credit. 
I made payments of XXXX USD on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX. 
The Items that I purchased for XXXX that I initially used this card credit was returned to the Apple card by the merchant because I did not keep the products. 
These payment caused my credit card to become have a XXXX USD credit available plus XXXX over within the account. 
I was then notified that credit limit was increased to XXXX USD without applying or agreeing to it. 
I contacted the Apple Card Specialist to decrease the credit balance back to XXXX USD because I have spent XXXX USD and was charged interest of 24.24 % APR on that amount. 
They said that they could decrease the balance to XXXX USD but I would still owe XXXX USD and that I would continue to be charged interest on the XXXX that I paid to the account that was not borrowed as credit. I disagree that I should be paying interest on that money that XXXX USD and consider that it should be treated or seen if anything as more more of an investment because I am sure that they since used it for investing.I also did not agree to any terms for a percentage of what i would receive for them having possession of this XXXX USD that was in this account.
Consumer complaint received 2023-04-05
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 is not relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-06-01
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. (NC)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX  XXXX XXXX, XXXX
Consumer complaint received 2016-09-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: First Associates Loan Servicing LLC (OH)

My school was shut down ( XXXX ) and credits are not transferable. I do not feel that I should have to pay loans for schooling that I can not use. I did not finish the program and would have to start all over losing all of my credits. I contacted the loan comany and was told that they could not help me with discharging my loans.
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RSI Enterprises, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I had a federal student loan with XXXX ( now Navient. ). I 've been paying it since XX/XX/XXXX. The original amount was $ XXXXwith XXXX still outstanding. I 'm having trouble getting statements from Navient. Paid {$59.00} on XX/XX/XXXX and received a notice dated XX/XX/XXXX stating that my payment ( in XX/XX/XXXX due XX/XX/XXXX ) was not received and that {$28.00} was now overdue. 

I only have XXXX XXXX benefits to live on and feel that Navient is just harassing me about payments. Can you help?
Consumer complaint received 2016-08-22
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

I already have submitted a complaint. I am writing further to inform you that the Franchise Tax Board, State of California, has recorded a Lien against my property. This means any sale, transfer or rental is illegal. Pass it on to the subject ( s ) of my complaint. I have no mortgage, nor have I had one ever with Ocwen Loans, or any of the other parties so connected. I am the registered, Deeded owner, and I have sent documents to illustrate this fact.
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

This matter must be resolved, after providing Equifax with proof my FATHER past away and to not merge my information with his and providing my ID 's and his death certificate I receive a notice they added the death certificate to my file. There are his accounts listed on my credit file, accounts that are in my wifes name only listed on my credit file. Accounts that are business debts only on my personal credit file etc. Please help assist me as I am not getting anywhere.
Consumer complaint received 2015-11-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

My Ocwen Loan Service Company is playing games with my home and wants me to pay for it after my husbands death ( XXXX 2015 ) and will not do a refinance, so I can keep my home and continue to make payments by remodifing the home loan. It has been in the works for since XXXX 2015 for the loan modification, which they keep staling to do so I could keep my home. please help me to get this cleared up.
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On or about XX/XX/2022 I received several letters from local attorneys notifying me that Portfolio Recovery Associates LLC was going to sue me in court over a debt of {$6300.00}. I have never been contacted by Portfolio Recovery Associates LLC either by mail or by phone about this debt. I have no idea what this debt is as I have no unpaid debts of this amount. I have never been provided any proof of the validity of this debt. This is obviously a case of identity theft that Portfolio Recovery Associates LLC is a partner to. 

If Portfolio Recovery Associates LLC is claiming that this is a valid debt, I would like to see a copy of my application/agreement relating to this alleged debt clearly showing my legal and verifiable signature agreeing to the terms and accepting the agreement. I am confident that Portfolio Recovery Associates LLC will be unable to provide that or any other proof to me that this is a valid debt.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (LA)

The account with ACIMA Credit acct # XXXX was closed out for a settlement amount of XXXX dollars with this creditor. I was NEVER late on the account and due to settling the account, the creditor reported me late in XXXX & XXXX of 2021
Consumer complaint received 2015-07-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ZWICKER & ASSOCIATES (TX)

A number for a law firm XXXX. This agency has called me XXXX times alone in XXXX 2015, I 've picked up and told them I am not XXXX nor do I owe them any debts. I 've also called back and left voicemail and stated if they continue to call my cell phone without permission I will file a claim. They called XXXX times in XXXX and yet again picked up and told them they had the wrong number.