davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (OH)

Spoke with agent XXXX XXXX XX/XX/22 approximately XXXX XXXX- I Wasn't aware of debt until found on credit report-XXXX said XX/XX/22 XXXX got my new address XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX the day after they received acct XX/XX/22 and sent first and only collection letter- no corespondance was sent to new address although they identified a new address for me- I advised XXXX I hadnt lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX since XXXX XXXX said it isnt their responsibility to check their files for new addresses before credit reporting- I told XXXX I dont know if its my debt because Ive moved and XXXX ( original creditor ) has my correct phone number and I havent received any calls and she didnt offer debt validation/verification letter- Representative wouldn't answer questions about debt, said she didn't want to argue with me-Requested supervisor transfer agent refused and as she will have supv call back but she doesnt know when- When I asked her to document on my file they had my correct address the day after they received acct she said no-Said she will only document acct for supervisor to call back and there is no formal dispute process- XXXX implied repeatedly no action will be taken- I want this removed from my credit report because no attempt for contact was made after they got current address
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

In pursuit to the fair debt collection act, 15USC 1692 sec. 809 ( b ) PORTFOLIO RECOVERY ASSOCIATES LLC is required under the above named titled and section, to show their lawful authority to collect on an alleged debt claim.. The documents that was sent too me in response too a debt validation letter that was sent too said company as a attempt to validate the debt does not conclude that a debt is owed too portfolio recovery associates llc.. I informed portfolio recovery associates llc that the fact that a debt is owed does not give them legal right to collect on the debt.. I've sent them a XXXX debt validation latter demanding them to show me their legal standing to collect this debt by showing me their lawful authority to collect the debt without my consent or a copy of the original contract between myself and the original creditor where i agreed to the assignment of the debt ; WITH MY INK SIGNATURE anything outside the scope of this evidence constitutes defamation of my character and i would be forced to take legal action against portfolio recovery associates llc
Consumer complaint received 2022-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TN)

Can you please show me based on the law you have the right to access a person 's medical file while not being authorized by that person? I consumer XXXX XXXX notice Online Informations Systems debt but they can not have my personal information because I as a consumer didn't give them permission to. This is a violation of XXXX which indeed every XXXX  office says the adhere to. I am not acknowledging this debt as mine but I am speaking on the matter of this debt on my credit report. They are defaming my character and violating my rights as a consumer according to 15 USC 1692. I have attached my license to use a verification tool only to verify the person sending this complaint not to acknowledge this debt.
Consumer complaint received 2022-04-25
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. (CA)

XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 
I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX 's XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2022-04-25
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. (CA)

XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXXXXXX XXXX  XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2022-07-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A. (MN)

A debt collector contacted me for a debt from credit card companies that I do not owe due to identity theft and I told them do not contact me anymore for this debt. This debt company decided to be more resilient by contacting and sending someone to my place of work with no success. They also came to my home knocking at my door several times when I was not home and then ask my neighbor if she can signed a paper on my behalf since I was not home. My neighbor refused and notified me by phone. This is a violation and trespassing at my home and place of employment
Consumer complaint received 2022-05-03
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: Transcontinental Credit & Collection Corp (GA)

accordance with the fair credit reporting act XXXX  account # XXXX, has violated 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 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WI)

I opened up a complaint ( XXXX ) ) that was closed based on American Express response . They indicated that I was informed that I was not eligible for the promo offer of 70,000 XXXX XXXX. I was NEVER notified. I would have cancelled my application at that time. Because I was not notified I made the required spend only to find out months later that I was not receiving the miles. I asked for a copy of what I was sent and proof that it was sent and acknowledged by me. I went through all of my emails and have no such email. I also did not receive any written acknowledgment. My wife received a promotion to make a referral which she did and it advertised 70,000 miles. I received the referral and completed the application and was approved very quickly.

The attached is American Express response that I received received to my complaint. They can not send me a copy of what they are saying I received. I am assuming it is a fine line in the application process. Why was I not notified when I received the approval and credit card? I would not have made the required spend on the card had I been notified that I was not eligible for the advertised offer. This was very non transparenton their part! 

If this can not be resolved I will take this to my attorney for review. I will also reach out to The Points Guy so he can warn people about the XXXX XXXX process. How awful as I am a very loyal American Express customer! 

I am a very fiscally responsible individual with an outstanding credit score. I think it would be required that I would be notified if I was approved for the card but was NOT APPROVED UNDER THE TERMS OF THE WELCOME OFFER THAT WAS ADVERTISED IN THE APPLICATION REFERRAL I RECEIVED. 

HOW DO YOU NOTIFY A COSTUMER THAT THEY WEREN'T APPROVED FOR THE WELCOME OFER? How would a customer know as I received NO CORRESPONDENCE REGARDING THIS FROM AMERICAN EXPRESS!! 

I called about this a few times and was told I needed to allow 8-12 weeks for the points to be deposited into my account. I did wait only THEN to find out I was not approved for the welcome offer.
Consumer complaint received 2022-04-26
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. (TX)

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 15USC 1681.

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 informationAny adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blackrock Mitigation Group LLC (CA)

I received notice of civil lawsuit notification from Blackrock XXXX XXXX file # XXXX, on XX/XX/2022. On XXXX XXXX I responded with debt validation request, also see attached documents
Consumer complaint received 2022-07-12
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

" XXXX XXXXXXXX Balance : {$5400.00}, XXXX XXXXXXXX Balance : {$2700.00}, XXXX XXXX XXXX : {$1900.00}, XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$7400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance : {$84000.00} " If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research accounts I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-10-11
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. (PA)

Hello my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize the following charges or open the following accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity theft affidavit. I have been a victim of identity theft since 2014 the suspect ( s ) also tried to file a fraudulent return, I have attached the affidavit from them aswell. Please delete the items as soon as possible.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

in accordance with the fair credit reporting act account # 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
Consumer complaint received 2024-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/year> our Wells Fargo account was hacked and two wire transfers were made without approval. One transfer was made for {$17000.00} and second one was for {$6800.00}. Thankfully we attended our nearest bank branch and they were able to stop the second transfer from fully going through. Unfortunately the first transfer did go through for {$17000.00}, Wells Fargo stated they needed to to do further investigation before proceeding with adding funds to our account. On XXXX XXXX we received a letter from Wells Fargo stating they were not refunding any money since the transfers were made with in their security perimeters. This has a created a tremendous financial hardship t our family, please help us get our money back.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act ; CHILD SUPPORT- Account # XXXX, CHILD SUPPORT ENFORCEMENT- Account # XXXX, FLORIDA DEPT OF REVENUE- Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Under 15 U.S.C 1681e ( b ) and 15 U.S.C 1681i ( 5 ) : This account in violation not reporting 100 % accurate as it lists the Child Support court as the furnisher, that's forgery and misleading because the courts DO NOT report this type of account.
Consumer complaint received 2022-04-25
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: Rocket Mortgage, LLC (MA)

Several Rocket Mortgage employees called me and left voicemails over several days. I had previously requested that I be removed from their sales list, so called back thinking there might be an issue with my mortgage. 

The salesperson I spoke with asked me several questions about my home situation ; throughout our conversation, I was clear that I had no interest in making any changes to my mortgage. The salesperson then stated that he was going to take a look at my credit to make sure everything was in line and asked me if the last four of my social were XXXX. I confirmed that the numbers were correct, and which point he immediately left the call and put me on hold - before I could ask what he meant by taking a look at my credit or why he would need to do so. I absolutely did not understand that he was going to make a hard inquiry into my credit. He did not use the words " mortgage inquiry '' or " hard inquiry. '' When the salesperson ( who referred himself as a " banker '' ) returned to the call, I asked him if he had just executed a hard pull on my credit report and he assured me that it was " no big deal. '' Unsurprisingly, my credit score was in fact negatively impacted by his action. I later contacted Rocket Mortgage to ask that the inquiry be removed from my credit report and they said they could not remove it because I consented to the credit pull by confirming the last four of my social. Again, I did not understand that the salesperson was asking for my consent to create a hard inquiry into my credit and had made clear that I had absolutely no interest in any new mortgage product.
Consumer complaint received 2022-04-25
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. (FL)

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX 2021 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 2022-04-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

Navient has contacted me on several occasions about 'special programs ' they have to help reduce private loan debt faster. I have applied for 2 different programs, one in XXXX of XXXX, in which I made 20 payments at $ XXXXmonth to a company called XXXX XXXX ( supposedly an affiliate of Navient ), and another I enrolled in for a loan for the amount of {$5500.00} in XXXX of XXXX. I paid Navient $ XXXX/month from XXXX XXXX XXXX. The company ( Navient ) then asked me to 'reenroll ' for the program because they had to assess my income again. I went through the process, then started receiving debt collector calls the month after from Navient, stating my loans are now in arrears. 
Original loan amount # 1 : {$5500.00} Today 's loan amount : {$17000.00} Original loan amount # 2 : {$2800.00} Today 's loan amount : {$7100.00} Original loan amount # 3 : XXXX Today 's loan amount : {$6100.00} Clearly Navient is making it impossible to pay off any loan, even the small ones. No one can explain why the amount keeps rising, even as I make payments. These are private loans that I am requesting be absolved, as they are clearly unable to work with consumers, unwilling to assist during financial difficulty, and unable to clearly explain why to ANY question asked.
Consumer complaint received 2022-08-07
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. (MD)

XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Investigation Request Letter Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have XXXX days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting XXXX percent accurate, please remove them from this account and update the account as paid as agreed. 
I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. I still have not received any updated credit report from your office. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX