davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (MS)

Im a federally protected consumer, and I am making this complaint against Exeter Finance LLC. for committing identity theft. I have never given Exeter Finance LLC. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Exeter Finance LLC. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Exeter Finance LLC. continues its collection efforts, I will file for litigation for actual damages caused and Exeter Finance LLC. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SERVICEMAC, LLC (CA)

We closed our refinance loan on XX/XX/2021 and the disbursment was on XX/XX/2021. The payoff was made to ServiceMac, who just took over the loan from XXXX. The transfer from XXXX to ServiceMac was not a smooth transfer as ServiceMac did not have our information or allow us to even make a payment on the loan for about 2 weeks after the actual transfer date in XXXX. We were informed by ServiceMac that they were not legally allowed to charge 'any ' kind of late fees for 90 days during this transfer in servicing of our loan from XXXX XXXX Our refinance just so happened to be during this transfer period. On the closing documents of the loan, it is clearly stated that there is a 'late fee ' being paid to ServiceMac of {$180.00}. This fee needs to be refunded to us immediately. 

We were also charged a fee of {$220.00} for an 'Affordable Housing Fee ' which we are requesting to have refunded. This fee is charged when there is no XXXX Cover page added to the deed. We will gladly fill out this one page document to save that {$220.00}. 

We were told by the loan originating company, XXXX XXXX XXXX, to file this complaint to you, as these matters are taken very seriously. XXXX was very helpful in the loan process, but did say that they could not resolve this matter without your help. 

Thank you for your time and advice in this matter.
Consumer complaint received 2021-06-21
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. (KY)

I have contacted Experian numerous times explaining that the account that they are listing for XXXX XXXX and the inquires for XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX are all fraud. I have not received any merchandise or applied for anything from any of these places. I was told to provide a FTC report which I have sent several time & they say they didn't get it. I have attached this information to this complaint as well. Please delete this information
Consumer complaint received 2024-02-13
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. (NC)

THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-17
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2021-11-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO)

I sent the money to my sister in XXXX on XX/XX/XXXX to have been received in XX/XX/XXXX. When she cashed the money A mistake was made on her name listing her both as the sender and receiver and we have not been able to receive the money ever since. We called, 14 times. Conversations were recorded. I filed an online complaint on XX/XX/XXXX and XXXX and as today XX/XX/XXXX. I do not have a response. They are holding my money hostage which was desperately needed by my sister and are not telling us why the money is being held, complaints are not being answered and they are hanging up on us when we call. They are also refusing to refund the money. MoneyGram is being careless with our needs and refusing to solve an issue caused by them. They are also refusing to tell us what is wrong with the file and why the money is being held. I am just looking my funds to be released and I would like other to know that this is company is not safe if you need to send money. They do not care about its clients wellbeing and mental health. They do not adhere to the practices they post in their website and do not respect the law or consumers. XXXX forbids there is a mistake.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello again this is XXXX XXXX - would just like to report that the gentleman who had been handling the whole stop payment thing has not returned the funds despite being informed ( I believe ) that he had until the XXXX of this month to get it resolved. We went to a Bank of America branch yesterday to speak to someone in person, and the gentleman who helped us had also tried to contact XXXX XXXX and like us was immediately sent to his voicemail. 

We will be returning today to see if an email that was sent by the person helping us was responded to, but at the same time we are out of time. I would like to make you guys aware that my father, XXXX XXXX, had passed away at XXXX XXXX  last Monday. We really need the {$2800.00} credited back to mine and my father 's joint account at XXXX ( I will probably become the primary account holder of that account, I just need to supply XXXX with a copy of the death certificate ) because we need it to go towards funeral costs and everything else we need to survive. 

Thank you.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I thoroughly reviewed again my credit report and I can still see the unverified and erroneous items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I am still being affected by Covid 19, and I can not afford to make this payment still. I need another payment waiver until I go back to work. I thought this wasnt supposed to be do yet. But I need another waiver.
Consumer complaint received 2020-05-28
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)

I check My Credit and I notice that someone Has been Using My personal Information for their Benefit I believe it the same person which stole my Valuable Items, which I made a police Report for Attached with this report you will find my Police report. I did not authorize nor give anyone Consent for these Accounts to be Open. This is Fraud!!! please Help me Resolve this matter, this is very Stressful This is Crazy How Can People do This Fraud Without My Consent Companies need to Do their Due Diligence before they allow just anyone to open these Account
Consumer complaint received 2020-05-28
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. (AL)

THE BELOW ACCOUNT DOESN'T BELONG TO ME, I HAVE CONTACTED THEM MANY TIMES AND THEY HAVE NOT REMOVED IT FROM MY CREDIT REPORT. I DON'T KNOW WHERE THIS COMPNAY CAME FROM, OR WHO THEY ARE XXXX  Opened XX/XX/XXXX Balance {$630.00} Account # XXXX
Consumer complaint received 2020-05-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC (PA)

I couldnt pay the loan and the car was a lemon, now theyre just doing hard inquiries on my credit without my consent. 
Mariner finance located in XXXX pa.
Consumer complaint received 2017-05-21
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. (MO)

During a review of my annual credit report in   XXXX   XXXX   I found an account for  XXXX   XXXX . I do not have, nor have I ever had a satellite service and I have never done business with  XXXX   XXXX . I contacted the credit reporting company to file a dispute but they report their investigation is complete and the account is valid. In   XXXX   XXXX   I contacted  XXXX   XXXX  directly and asked for proof of the validity of my account ; however, they refused to speak to me stating that the account has gone to collections and I must contact the collections company. In  XXXX  of  XXXX  I contacted a company called   XXXX   XXXX   XXXX   and requested proof of my debt but all they provided me with is a cover letter stating " the debt is valid, attached is verification of the debt '' and a past date bill from   XXXX   XXXX   XXXX   for an account with my name but at an address I have never lived at, nor been associated with. They are incapable of providing proof that this debt is mine but they are unwilling to remove it from my credit report.
Consumer complaint received 2023-05-30
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : 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 2022-07-17
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)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX  reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: First Data Corporation (IL)

TeleCheck declined my check not based on money in my account but on their incompetent credit assessment. I have only tried to use a check with a merchant twice. The first time was with XXXX, the second time was today with XXXX, both times declined, both times more than adequate funds in the account.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: M1 Holdings Inc. (FL)

On XXXX XX/XX/2023 I received a credit card from XXXX XXXX XXXX that I didn't order. I called XXXX  to let them know and they told me I had to physically go to a branch office and they would take care of it. I made an appointment for Monday XXXX XXXX at the local office. On Monday, I received a letter from XXXX  the card was suspended for fraudulent activity, even though I didn't activate it. The bank employee told me that the card was applied for on XXXX XXXX, and their application had my correct social security number and telephone number. For an email address they used my husband 's email. The only way I think my information could have been accessed was I filled out an application with M1 Finance to open an IRA for tax purposes, but decided not to continue the process after completing the application. I have since put a freeze on all three major credit companies ( XXXX, XXXX, and XXXX. I left all the paperwork ( including the credit card ) at XXXX XXXX XXXX for them to destroy.
Consumer complaint received 2022-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Messerli & Kramer P.A. (MN)

I have been receiving phone calls from Messerli & Kramer PA XXXX XXXX XXXX for a debt from XXXX XXXXXXXX XXXX XXXXXXXX, for {$2000.00}. Reference Number : XXXX. The debt is not my debt. The debt is the result of identity theft. Messerli & Kramer PA XXXXebt Collection Representatives have been harassing me, using profane and abusive language against me, threatening to have me arrested, put in jail and sent to prison for the debt owed, and using threats of XXXX XXXX XXXX for a debt thats not my debt and is the result of identity theft.
Consumer complaint received 2020-05-28
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. (FL)

I check My Credit and I notice that someone Has been Using My personal Information for their Benefit I believe it the same person which stole my Valuable Items, which I made a police Report for Attached with this report you will find my Police report. I did not authorize nor give anyone Consent for these Accounts to be Open. This is Fraud!!! please Help me Resolve this matter, this is very Stressful Thank You
Consumer complaint received 2023-05-29
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. (CA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$2800.00}.
Consumer complaint received 2022-07-17
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. (MN)

The following accounts and credit inquiries currently listed on my XXXX, XXXX, and Trans Union credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXXXXXX XXXX  {$580.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I am desperately looking for a fair solution. I am writing to you today regarding the following Transworld Systems accounts : 1 ) Account # XXXX, Date Opened in report : XX/XX/2014, Original Creditor XXXX XXXX XXXX XXXX, Balance {$100.00}. 

2 ) Account # XXXX Date Opened in report : XX/XX/2014, Original Creditor XXXX XXXX XXXX XXXX, Balance {$60.00}. 

This company is reporting false and erroneous information to the credit bureaus, and I am demanding both mentioned items to be removed from my reports. 

Please send the attached documents to Transworld Systems Inc. 

Thank you, CFPB.
Consumer complaint received 2022-08-08
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXXXXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( 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 2023-05-29
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (GA)

I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon checking my credit report, I noticed an inaccurate negative information with XXXX of my accounts. I've been trying to fix this error with the Bureaus but nothing changed. Please see attached file below.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-08-08
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)

My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.