davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

On XX/XX/2022 four transactions were processed on my cash app account {$4.00}, {$9.00}, {$9.00}, and {$19.00}. I have instant notifications for this account and was notified that the transactions were being processed and i immediately contacted them to notify them that I had not made any purchases from the merchant. XXXX was used by the fraudster to conceal their identity. I reached out to XXXX to confirm and they did not receive the money nor did they have a receipt or record of them at all. I submitted two disputes with the proof from XXXX they were denied. {$49.00} of my money was stolen and they refuse to refund my money.
Consumer complaint received 2023-02-03
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. (IN)

XXXX, XXXX, Equifax, as a consumer reporting agency, is governed by 15 USC 1681 and I have evidence that they have violated my rights under this act multiple times. The following accounts listed below were furnished by XXXX, XXXX, Equifax without my written consent and I demand their immediate deletion : XXXX XXXX XXXX  Account Number : XXXX According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) also states that a consumer reporting agency may not make any report containing adverse information that antedates the report by more than seven years. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) requires that a person shall not furnish any information about a consumer if they know or have reasonable cause to believe that the information is inaccurate. 

I also did not authorize the following companies to access or pull my credit report, and these inquiries were fraudulent. I have contacted these companies and they have no proof of authorization or permissible purpose : 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  In conclusion, I demand immediate removal of these blatant violations of my rights. Failure to do so will result in me taking legal action against all parties involved. I request that the Consumer Financial Protection Bureau takes swift action in resolving this matter and ensuring that my rights are protected. Thank you for considering my complaint.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (MD)

Early last year, I applied for the XXXX XXXX XXXX XXXX program and in XX/XX/XXXX, my student loans were transferred from EdFinancial to XXXX. 

On XXXX XXXX, XXXX while checking my credit report, I noticed that my student loan balance was doubled because it was reporting twice. Upon further inspection, I realized that EdFinancial is still reporting my loan account as open with the full balance. 

I contacted EdFinancial that same day via chat to have the discrepancy resolved. I was told that I needed to dispute the information with the credit bureaus, at which point EdFinancial would confirm the account is closed with XXXX balance and it would be updated correctly. 

I submitted disputes with all three credit bureaus on XXXX XXXX, XXXX. On XXXX XXXX, I was notified by XXXX that EdFinancial confirmed that the account was still open and the full balance was correct, so no changes were made to my credit report.

EdFinancial continues to report erroneous information to the credit bureaus. My account is paid in full with them and closed ( which is reflected if I log into my account ) and yet they continue to report something different to the credit bureaus.
Consumer complaint received 2022-07-04
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. (IL)

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX and 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. States a consumer reporting agency can not furnish a account without my my written instructions.
Consumer complaint received 2022-07-04
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc (MO)

I was contacted by mail about a debt on XXXX XXXX. I responded to the message via mail on XXXX XXXX. In that message I authorized the company to communicate with me via mail and no other means as is my right per FTC regulations. I received a letter in the mail dated XXXX XXXX. This was a response to my previous communication in which Medicredit recognized that they had received and understood the communication. I received a phone call from XXXX XXXX XXXX XXXX ( which is the phone number of XXXX as listed on their communications ) on XXXX XXXX  regarding the collection of the debt. This phone call was made after the company had received my explicit request to cease communication other than that through mail. I believe this to be a violation of the The Fair Debt Collection Practices Act.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2022-07-04
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. (FL)

XXXX, Experian, XXXX, youve consistently failed to comply with the FAIR CREDIT REPORTING ACT and now I have no choice but to FILE A LAWSUIT AGAINST YOU. Pursuant to 15 U.S. Code 1640 ( B ) - Civil liability class actions arising out of the same failure to comply by the same creditor shall not be more than the lesser of {>= $1,000,000} or 1 per centum of the net worth of the creditor ; I, XXXX XXXX, am aware of XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions Inc CFO, XXXX XXXX XXXX XXXX XXXX XXXX, racketeering activities and The maximum criminal penalties for violating RICO include a {$25000.00} fine and imprisonment for 20 years. 

These penalties are imposed on top of the criminal penalties resulting from two or more substantive offenses that the individual or organization has committed in the 10-year period.

Penalties Under the RICO Act, A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. 

Im aware ALL party ( s ) mentioned above and agent ( s ) have willfully and intentionally violated my rights and has violated the FAIR CREDIT REPORTING ACT as dated on XX/XX/2022, I have given written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and all party ( s ) have failed to comply now I have no choice but to FILE A LAWSUIT WITH PREJUDICE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2021-03-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (CA)

We have recently applied for a loan through XXXX  and the loan officer we were working with ( XXXX XXXX, NMLS ID # XXXX ) failed to communicate effectively with us. This resulted in us losing out in the opportunity to purchase the house we wanted. We have reached out multiple times and her responses would occur late in the evening after normal business hours. This made it very difficult to meet the requirements in the allotted time given. We would try to contact her during normal business hours to answer questions or concerns in which she failed to return our calls or emails. We feel this is an act of unfair business and we were not given the correct opportunity to fulfill the loan/transaction requirements.
Consumer complaint received 2023-05-26
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Offices of Timothy M. Sullivan (OH)

Received multiple phone calls last XX/XX/XXXX through XX/XX/XXXX ( multiple times a day ) saying that criminal charges were being filed against me. Wouldnt give me information. So I would hang up thinking its a scam. Now Ive notified by my employer that my wages are being garnished. Never was served with anything, but do lets say my signature was signed for XXXX delivery to an address I didnt even live at! There was an eviction case at the same municipal court 3 weeks earlier. So now the company or the court is lying about the signature of being served? 
The lying scum 3rd party collection agency HS Financial was allowed to have this judgement filed against me when it was past the statues of limitations to sue me for this debt. How does a this happen?
Consumer complaint received 2020-01-19
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)

This situation that I'm dealing with Identity theft is very stressful i work very hard to live a normal life. how can someone try to destroy my life with this fraudulent account that i did not authorize. please remove this account from my credit files thank you.
Consumer complaint received 2021-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MD)

Phoenix Financial Service refuse to send me VALIDATION of this account ( of which I know nothing about ). I filed a dispute with XXXX  and they send the same bill to XXXX  ( not VALIDATION ), yet XXXX  is refusing to remove this account. how could they " verify '' the debt belongs to me if I'm disputing the validity of the debt? 

Phoenix Financial have yet to send me validation of the debt ( I send a certified letter seeking it ), but also refuse to remove it from my account. 

According to the report : Account Number is XXXX, Date Reported is XX/XX/XXXX, Date Assigned is XX/XX/XXXX, Creditor Class is Medical/Health, Status Date is XX/XX/XXXX. Status is Unpaid, Date of 1st Delinquency is XX/XX/XXXX, Balance Date is XX/XX/XXXX. Amount is {$35.00}. 

XXXX  is using the bill as verification of the debt. Rather than seeking validation of the debt ( since they won't send it to me ). After notifying me on XX/XX/XXXX that my dispute is being investigated, XXXX  closed the dispute on XX/XX/XXXX without notifying me ( had I not check my report on XX/XX/XXXX, I wouldn't know of the status ).
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX place me with the credit bureaus XXXX, Experian, XXXX as a debt and there is no balance owed to XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX dated XX/XX/year> showing a {$0.00} balance Policy : XXXX
Consumer complaint received 2021-07-27
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: Xtreme Products LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-09-18
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)

Under the COVID Forbearance CARE ACT, Laws, I can not be reported as having late payments as I am protected under the pandemic. The holder of my mortgage/ deed has violated my rights and the law. XXXX XXXX, Home Mortgage is currently showing that I have late payments in XXXX ; XXXX, during my COVID Forbearance Care Act. I signed a Mortgage Modification, which both parties agreed upon and I've been paying on time, with no late or delinquent payments.
Consumer complaint received 2021-09-03
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. (NV)

OnXX/XX/2021 letters were regarding inaccurate and incorrect stuff on my credit report. It has been 60 days and I have yet to receive any type of response yet or acknowledgment in regards to my credit accounts. I am clearly being taking advantaged of, and my disputes are being ignored by XXXX, XXXX  and Equifax. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. At this time is has been over 60 days and these items should be immediately removed and deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress that has been caused by this matter. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am currently a victim of identity theft and although these companies are aware of this they continue report false and misleading information on my accounts which is clearly not legal.
Consumer complaint received 2023-05-26
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 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 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 2022-10-18
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: General Motors Financial Company, Inc. (IL)

in accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 it also states that the consumer reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666 b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-21
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. (NC)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2022-07-04
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Key 2 Recovery, Inc. (TN)

I currently pay XXXX $ every 2 weeks. I havent revived a statement every 2 weeks like Im suppose to. The last statement I got was5/17/2022. I have contacted the company several times even spoke to supervisors. They keep saying the statement has been mailed out. We confirmed they had the right address and still nothing. Tried to get in text messages the first time didnt receive nothing that way either. Im very annoyed that I can not see what is being applied to my loan and if this is not handled I will be speaking to a lawyer to have him contact the company. key 2 Recovery has been an awful experience and they need to learn how to communicate and handle problems better.
Consumer complaint received 2022-11-06
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 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 U.S.C. 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 2022-11-06
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. (TX)

I have been trying to clean up my credit to buy a new home and automobile. I have learned throught the CONSUMER FINANCE PROTECTION BUREAU on how to use your rights as the consumer. With that said ; I found out In accordance with the Fair Credit Reporting act these accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I NEVER AUTHORIZED OR GAVE WRIITEN CONSENT ANY OF THE THREE CREDIT REPORTING AGENCY TO PUBLISH ANY OF MY CONSUMER CREDIT TRANSACTION. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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  I XXXX, XXXX XXXXXXXX, XXXX XXXX,, has violated my rights. 

I want action taken immediately to recover the lost of a higher credit score which had made me pay a higher interest rate on my CONSUMER TRANSACTIONS, because of the information on my credit report. 

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 15 U.S.C 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 U.S.C. 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. 

I have uploaded a file with my current XX/XX/2022 credit report to show the evidence that their are inaccuracies on my credit report from all three CREDIT REPORTING AGENCY.