davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance to the Fair Credit Reporting Act XXXX accounts : STUDENT LOAN Account # XXXX **** STUDENT LOAN Account # XXXX **** STUDENT LOAN Account # XXXX **** STUDENT LOAN Account # XXXX **** XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Have 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 : States a consumer reporting agency can not furnish a account without my written instructions. I have not given these people written instructions to furnish my information. I would like a proper investigation done and these accounts removed.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2020-12-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Panteris & Panteris, LLP (NJ)

Firstly this law firm send me a threatening letter, telling me that if I will not pay the debt than they will file a lawsuit .They didn't include no information that they are a debt collectors .See attachment. After I ignore them I received a letter than they filed a lawsuit against me. when I was filing the answer, I found another stipulation saying that apparently they have spoke to me and we agreed to payment plan. I didn't speak to nobody and this company is not only in violation of FDCPA but committed Court Fraud. 
I requested validation of debt from them and I have never received any answer .Please find attached certified receipt.
Consumer complaint received 2020-12-03
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. (CA)

There are some fraudulent accounts on my credit, I have sent XXXX disputes to experian, XXXX, and XXXX. The main concern is the accounts on the FTC reports I sent to them. They have been on my credit for a long time and I can not seem to get rid of it, they didnt even acknowledge the accounts as fraud. They didnt block the accounts withing XXXX business days of recieving the disputes. please help
Consumer complaint received 2024-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHERRY TECHNOLOGIES INC. (CA)

In XX/XX/year>, I did a consultation for XXXX XXXX paid in advance. They stated I should apply for financing for their program online. They stated I was approved. I did not receive anything as far as paper to read to understand anything regarding the program with Cherry Tech ( financing ) or XXXX XXXX. After that day, I was XXXX XXXX XXXX XXXXXXXX XXXX and XXXX most of the week and canceled all appointments and stated to Cherry Tech that I could not continue. They stated to file a dispute since I did not hear from anyone at XXXX XXXX. I do not owe anyone for I did not receive any services after the one day which I paid for in advance. Cherry Tech is now reporting me late and credit score went down XXXX points.I also was to do jury duty. Sent letter from doctor to court, in turn was dismissed. Cherry Tech did not consider my health issue and continues to hamper my well being by misguiding me with solutions and still behind the scenes, state I do not pay my bills and damaged my credit. I did not receive services and one reason, could be their practice is not good for my health. I believe the credit report states I owe XXXX. For what?
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2020-07-02
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. (CA)

I am filing this report because there are a few accounts on my credit report that do not belong to me. The only reason I found out is because I applied for a loan today XX/XX/20 and I was not approved so I started to look through my credit report trying to figure out why I was not approved and I found five accounts that aren't mine. The accounts are from these companies. XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor am I affiliated with them in any way. I did not benefit anything from the accounts that were opened in my name without my permission and I never made any payments towards those accounts. I am still trying to figure out who is responsible for these unauthorized accounts but in the meantime I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these accounts.
Consumer complaint received 2024-10-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: CADENCE BANK (MS)

I was given a HELOC Loan, at the time I did not have the knowledge regarding loan products. The lender preyed on me because he thought that I was another person ( of more means ). I was given this loan without having any documentation submitted proof, no credit report completed, no verification of income or employment. He gave this loan to me. I had only been in my home 5 years. The Loan went into default. I was never sent a letter by the courts to appear for the hearing to defend myself. The Atty. walked this case through and file for a Judgement. The courts ruled in the banks favor because I was not there to defend myself. The Atty. sent me a copy of the ruling that was final and the results are history. I tried to appeal but this Atty. denied and stated that it could not be changed. I did not know the process of the Court system, so I became prey to it. The Judgement happened in XXXX, with interest accrued XXXX, XXXX. I call this XXXX XXXX because this is how the Court system with the help of Atty. took advantage of people of XXXX and stole their land or property in Mississippi. I went to his office in XXXX to offer a settlement, but he dismissed me and shared with me to leave his office. I do believe that this case is associated with my neighbor in the back of me, because she has an Atty, who has an office in this same Atty. building. This lady is an XXXX person as myself. She has tall dangerous tree over XXXX ft tall. Her limbs are hanging all in my yard and on my property line ( pine needles & cones coming into my yard ). Each time I have a situation, I have noticed that I will receive an increase in the judgement interest.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I had an unauthorized charged of XXXX by a hotel and I didnt authorized this transaction. I have disputed twice and they have reversed the credits and took it back from my account. The refused to give me on the unauthorized transaction. I had called the the second time said sorry my mistake we will credit that to you and the just took it on the XXXX of XXXX, 2023. Wells Fargo is the name of the institution. I have never filed a dispute with them and they dont believe me on this charge. I feel helpless. Please help
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

XXXX, XXXX, & Experian NEVER perform a real Investigation. Therefore, I have commenced the process of litigation in the federal court system... .. ... XXXX , To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case No. XXXX  XXXX XXXX in The Central District of Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Consumer credit report. Please delete ALL of the Following : 1 ) XXXX  Credit cards {$530.00} acct # XXXX 2 ) XXXX XXXX {$63.00} XXXX 3 ) XXXX XXXX XXXX {$370.00} acct XXXX 4 ) XXXX XXXX XXXX {$300.00} XXXX.. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!
Consumer complaint received 2020-12-03
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)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2023-03-18
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: 1 Auto Finance, Inc. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-10-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (LA)

I am writing to formally request validation from I. C. Systems Collections of the debt referenced in your recent correspondence regarding an account originally held with XXXX XXXX XXXX in the amount of {$300.00}. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt you claim I owe. Please provide the following information : The amount of the alleged debt. 
The name of the original creditor ( XXXX XXXX XXXX ). 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A copy of the original agreement or contract that obligates me to pay this debt. 
Any other documentation that supports your claim. 
While I am aware of the account in question, I dispute the validity of the debt. Until I receive the requested validation, I kindly ask that you cease all collection activities, including reporting this debt to credit bureaus. 

I appreciate your prompt attention to this matter.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Consumer Reporting Agencies are continuing to report inaccurate and incomplete information on my Consumer report. The CRA have failed to verify that these accounts are 100 % completely accurate. 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 XXXXXXXX 15 USC 1681 ( i ) ( 5 ) ( a ) Accuracy and fairness of credit reporting.

15 USC 1666b-Timing of payments 15 USC 1637 ( b ) STATEMENT REQUIRED with EACH BILLING CYCLE
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc. (TX)

I lost my card in XXXX and there was a transaction made, I maid a fraud claim and Self Lend told me it would take about 7-15 days to get my money back. They actually took 3 months, then they took it back out they decided to close my account and keep that money. They dont want to give me the money because they said I owe that money, I dont owe anything because that is a secured credit account I deposited {$2000.00} when I opened that account they never lend me anything. They kept taking and taking money from me from fees and statements!
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 1 MONTH / 30 DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2020-07-08
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. (AZ)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc. ()

Commencing on or around XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX ( the Fraudster ), who involved me in making deposits for a total amount of XXXX CAD from my Trust Wallet account to a fraudulent investment firm ( XXXX ).
Consumer complaint received 2020-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

IQ Data International placed me for collections XX/XX/XXXX for {$540.00} from an apartment complex I lived at. I only noticed it because I was checking my credit score about a week ago and noticed something was very off. When the gentleman called and first notified me about the attempt to collect, he told me I owed {$540.00} from the property. On the phone I never refused to pay, but I did ask for a written letter stating all of the information he went over. He proceeded to say it was sent to my old apartment complex ( which I moved from ) but refused to forward it to my current address or email address. After arguing with me and saying that he is going to have to send me to collections if I do not pay he finally took down my mailing address but I still never received a letter. I am not sure on the date when he first called because of the different numbers used to call in but I have a voicemail from XX/XX/XXXX and it shows we called back and forth that day as well ( I do have call logs if needed ). He called my cell phone a few times and even called my work before my office manager at the time had to tell him that we do not allow personal calls. I figured he could not proceed without me having seen any letter stating I owed anything so after time went by I figured the issue was dropped - which was just an unfortunate mistake on my end.