davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXXXXXX XXXX is furnishing. 

I sent a Dispute letter dated XX/XX/2022 with a green return receipt. To no Avail LIST OF INNACCURACIES FOUND ON IDENTITY IQ CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX XXXX  was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Consumer complaint received 2021-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

I tried to log into my MoneyGram account to send my mother {$100.00} on XX/XX/2021. When trying to log into my account I was told that my account was unavailable. I contacted customer service by chat. The representative researched my account. She told me that MoneyGram had closed my account due to prior loss of money. I had an issue several months ago where I sent a wire transfer to an individual. I never received the product, nor did I receive my money back. I did report this issue to MoneyGram at that time, and did not hear anything back. Why am I being penalized by having my account closed when I did nothing wrong? I reported the issue that occurred several months ago when it happened but didn't hear anything back. Also, MoneyGram never notified me that they closed my account. I find the closure of my account to be on unethical. Why should my account be closed for an issue that was not my fault? I was the one that was scammed several months ago. This issue with my account being closed and me never being notified forced me to search to find other options to send my mother {$100.00} that she needed emergently.
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I was alerted of an account that was sent to collections ( Procollect ) on my credit report. After further investigation I found that my social security number was used fraudulently. I called Procollect to find out what steps I needed to take to erase this fraudulent debt off of my credit report. I sent the documents they requested and after a couple of days I received a call about other documents that needed to be submitted. I asked multiple times which documents where needed so that when I listened to the call recording Id be able to double check and submit what was needed. I have sent the documents 3 times already and have not heard back from them. They are giving me the run around and this is not my debt.
Consumer complaint received 2022-03-31
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Harris & Zide (CA)

XXXX XXXX had split up. All communications from XXXX XXXX ceased. I was not told that XXXX is the new loan holder. I did not received any communications from XXXX regarding the split or that they are in charge of my student loan. 

In XXXX XXXX & XXXX took me to court on behalf of XXXX. I did not know who XXXX was, and still have not heard from XXXX except for the yearly student 1098-E Tax form. I've contacted XXXX to ask them why they are sending me the form when I have never made any payments to them. During the court hearing I was informed that XXXX is XXXX XXXX. 

I was ordered to make payments to Harris & Zide. I asked the attorney representing Hariris & Zide what my monthly payment is,. and he responded " whatever payment you can make. I leave it up to you. '' I've been paying either {$100.00} or XXXX a month. 

Harris & Zide returned my payment for the month of XXXX, XXXX. The letter dated XX/XX/XXXX, stated that " the check is being returned due to ACCOUNT CLOSED WITH OUR OFFICE. '' The letter was from XXXX XXXX, XXXX XXXX. I immediately called and left a message. No one from Harris & Zide returned my call. On XX/XX/XXXX, I sent a letter to Harris & Zide for clarification on what " Account Closed '' mean. Do I still owe the money, should I still be sending a payment, the status of the judgment against me. 

On XX/XX/XXXX, I called Harris & Zide again. I was told by the staff member that my account is closed, and that I have to contact XXXX XXXX regarding my payment. I Responded that it was Harris & Zide that took me to court. All payments were made to Harris & Zide since XXXX. 

Prior to the law suit no one at XXXX XXXX has any record of me. No one from Customer Service could help me because they could not find me. Had XXXX XXXX contact me to let me know that my account is no longer with them and that XXXX is handling my student loan I would not have a judgment on my record. 

No one has reached out to me regarding making payments. In XXXX XXXX have no record of my account, XXXX did not respond to any of the letters I wrote asking for documents showing that I have a loan with them. 

I can not contact an agency that I have no dealings with in over 7 years.
Consumer complaint received 2021-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diaz & Associates, Inc. (CA)

I received a letter from Diaz & Associates about a credit card collection that is a time barred debt on XXXX. I called the credit company whom they are referring that I owe money to. The credit company XXXX says they have no record of the account or anything under my SSN. I do not recall ever opening an XXXX credit card. The name on the letter is before my name change in XX/XX/2005. I have not opened a credit in that name in over XXXX years. I also check my credit report and I do not see any credit card loan or default for XXXX.
Consumer complaint received 2022-05-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Certified mail was sent to XXXX, And EXPERIAN last year on XX/XX/2021, and also multiple times throughout the year of 2021. I obtained my credit report from XXXX, and Experian and there were U.S. Bankrupcty Court listed. For the FCRA 623 ( a ) ( 5 ) : If XXXX, or Experian can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said Information from consumer credit file. 
Ive requested the companies XXXX, And Experian to validate the public Bankruptcy reporting on my credit reports. In response to my letter the companies mentioned to have verified the bankruptcy through the United States Bankruptcy Court. In which I decided to contact the United States Bankruptcy court, in writing asking them to verify that, theyre the ones sharing the public information with credit BUREAUs XXXX and Experian. In response to my letter, The county Recorder of Deeds and Bankrupcty Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, and/or other third parties providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court system due to Fair Credit Reporting Agency PRIVACY LAW. 
XXXX XXXX XXXX ( XXXX XXXX ) Experian Worker are refusing to investigate this issue. Delete the public record, and update credit report.
Consumer complaint received 2022-05-30
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. (VA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Balance : {$1700.00XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I got a letter XXXX SEE ATTACHED LETTER FROM THEM ) in the mail from Credit Collection Services stating that I owed Creditor : XXXX XXXX COMPANY around XX/XX/XXXX. I responded back with a letter XXXX SEE ATTACHED LETTER XXXX asking validation with my signature regarding account File Number XXXX XXXX XXXX, which they claimed I owe a debt amount of {$730.00} on XX/XX/XXXX ( SEE ATTACHED SHIPPING SCREENSHOT ) and they received this letter on XX/XX/XXXX ( SEE ATTACHED TRACKING ). Well I never got a letter off validation of any kind after my requested which by law they are required to respond back within 30 days. If they report anything to my credit bureaus I will be seeking legal actions. I do know the FDCPA/FCRA Laws.
Consumer complaint received 2019-10-23
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Robo-signing '' is a term used by consumer advocates to describe the robotic process of the mass production of false and forged execution of mortgage assignments, satisfactions, affidavits, and other legal documents related to mortgage foreclosures and legal matters being created by persons without knowledge of the facts being attested to. It also includes accusations of notary fraud wherein the notaries pre- and/or post-notarize the affidavits and signatures of so-called robo-signers. I am alleging both Select Portfolio Servicing ( SPS ) and XXXX ( XXXX ) has executed not only a false mortgage assignment, but a forged mortgage assignment as well. Forgery : Although XXXX did not allegedly file this mortgage assignment, they are culpable due to the fact they authorized SPS as their attorney in fact ; according to the documentation SPS provided. Either they did or did not authorize SPS as an attorney in fact. If they did, they are culpable. I would like written confirmation from XXXX stating in the affirmative the fact they did or did not authorize SPS as attorney in fact for the AOM filed on XX/XX/XXXX. Notice the signature on the XX/XX/XXXX AOM by XXXX XXXX compared to two other documents used to verify XXXX XXXX notary signature. The difference is remarkable and overwhelmingly substantiates forgery. Falseification : Notice the property address listed in the XX/XX/XXXX AOM ( listed as XXXX XXXX, XXXX, NY XXXX ). This is different than the actual property address contained in the mortgage dated XX/XX/XXXX, Instrument # XXXX SPS references in the XX/XX/XXXX XXXX. The actual address is unknown as it is not listed in the mortgage document referenced by SPS. However, the address listed in the security agreement is XXXX XXXX XXXX New York XXXX. The security agreement also states, You are giving us a security interest in the real estate located at the above address. Also, the legal description codified in the document is not the legal description of my deceased parents home location. In addition, the dollar amount referenced in the XX/XX/XXXX AOM is inaccurate compared to Instrument # XXXX. All the above constitutes falsification. Both SPS and XXXX are aware of these fraudulent actions, however, they both have chosen to ignore the clear and accurate documentation I have provided on numerous occasions. I demand a thorough investigation conducted by a third party other than SPS or XXXX, as it is evident they lack the integrity in their ability to investigate these matters independently.
Consumer complaint received 2022-05-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
Consumer complaint received 2022-02-01
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: ID Analytics, Inc. (PA)

It has come to my attention that XXXX XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). 
As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. 
It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the fair credit reporting act, XXXX, XXXX 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I am seeking litigation
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

I have reached out to American Express recently and they did not address my issue. American Express is in violation of 15 USC 1666d. I requested my balanced by zeroed out each month per the law, American Express is in violation of my rights as a federally protected consumer. I never stated I wanted my account closed. Now I am demanding that my account be left with a balance of {$1.00} each month.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Capital One bought the XXXX XXXX credit card that I have had for many years with no late payments. My account was on auto pay and when Capital One bought out XXXX XXXX this fall, the auto pay was not transferred. I did not realize this until I looked at my credit report and saw 2 late paymentsXXXX and XX/XX/2021. I immediately paid the amount due and contacted Capital one. They said XXXX XXXX sent out a notice that auto pay would be disabled and we would have to set it up again, but we did not recieve this notice. Nothing by mail and no phone call. 

I have never had a late credit card payment in my life, and this greatly impacted my credit score and my ability to get a mortgage. Capital One has not been helpful in any way with how to resolve this issue. I have called twice and submitted disputes. I would like them to remove those late payments from my credit report.
Consumer complaint received 2022-03-31
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. (GA)

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine. 18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).
Consumer complaint received 2020-12-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I'd like to know how can experain claim to have no record of my credit card in XXXX, that they asked me to review ( detail of my name and picture ) the card via email in XXXX. .how does experian know to ask me to review it, yet doesn't know i have it.? 
SO WE ARE CLEAR, HOW DOES EXPERAIN KNOW I HAVE THAT CARD TO ASK TO REVIEW IT? I HAVE PERFECT UTILIZATION, YET THEY HAVE NO RECORD SO CANT REPORT SO MY CREDIT FILE REFLECTS THAT..I DONT WANT EXPERIAN TO BOOST MY SCORE, JUST REPORT ACCURATELY, MY SCORE WILL BOOST ITSELF ... THE RECORD WILL REFLECT VIA PREVIOUS COMPLAINT THROUGH THE CFPB PROTAL THAT THERES " NO RECORD " THEY STATED THAT LIE AFTER THE EMAIL ATTACHED WAS SENT ... FOR THEM TO SEND ME THAT EMAIL AND SAY MY NAME AND TO REVIEW A CARD, MEANS " NO RECORD " IS A LIE ... THEY WITHHOLD IMPORTANT CREDIT REPORTING INFO TO FLUCTUATE YOUR SCORE.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I'm trying to login into myequifax.com to manage my credit freeze. On XX/XX/2022, I spent about 2 hours on the phone trying to get logged into my account. I was never successful, so I can't get credit, even though my score is around XXXX. The representative was unable to verify my identity- their software appears woefully buggy. 

When I try to login to the account, I get the message " We are temporarily unable to complete this request. '' The message never changes, day after day. 

I requested and received a verification code my USPS mail. Today, I went to my.equifax.com/pin and entered the code. It said the account was setup. When I went to login, I get the same message : " We are temporarily unable to complete this request. ''
Consumer complaint received 2021-12-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX refused to remove acct XXXX Auto Loan there three different amounts on my consumer report And with this chargeoff acct I am unable to apply for anything do to this
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX, CA XXXX. Your professional cooperation will be greatly appreciated. XXXX XXXX XXXX