davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX amount {$5900.00} showing that this account is open and past due. This is not correct. 

XXXX XXXX XXXX XXXX ) {$1300.00} showing a past due balance. This is not even my account. 

XXXX XXXX {$1000.00} showing a past due balance. This doesnt belong to me. 

XXXX {$120.00} showing a past due balance. I never had an account with this company. 

I have submitted several letters requesting the inaccurate information removed from my credit report. I have asked for proof that these items belong to me and they have failed to provide me with documentation. 

Please see the credit report attached with the items circled.
Consumer complaint received 2022-09-01
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-31
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. (SC)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-08-31
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: ENCORE CAPITAL GROUP INC. (NJ)

In accordance with the fair credit Reporting act XXXX Account # 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 any purpose.
Consumer complaint received 2022-08-31
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. (NV)

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 XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I have reach to XXXX XXXX many times to update my late payments on my credit from XXXX. I just placed another call XX/XX/XXXX and a rep stated on a recorded line they can't see my account dated that far back. How was this looked into before
Consumer complaint received 2022-08-31
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Re XXXX Acct XXXX XXXX {$120.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Consumer complaint received 2022-08-31
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: WELLS FARGO & COMPANY (GA)

The Credit bureaus stated Wells Fargo account, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. 



They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 



They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my disputes. 



They Also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a 1 ( li ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer report. 



XXXX reports the high credit as XXXX However the other credit bureaus XXXX XXXX XXXX XXXX reports it XXXX The last active date is reporting different dates on each credit report. 



XXXX is reporting last active date as XX/XX/XXXX XXXX is reporting last active date as XX/XX/XXXX XXXX is reporting last active date as XX/XX/XXXX The last payment date are also all different XXXX is reporting last payment date as XX/XX/XXXX XXXX is reporting last payment date as XX/XX/XXXX XXXX is reporting last payment date as XX/XX/XXXX XXXX is reporting that date open is XX/XX/XXXX XXXX is reporting that date open is XX/XX/XXXX XXXX is reporting that date open is XX/XX/XXXX XXXX is reporting the payment history of a charge off From XX/XX/XXXX to XX/XX/XXXX WELLS FARGO have deceived me, have frauded me, and have robbed me. On top of that WELLS FARGO has collected the insurance money, the IRS goes further into a CHARGEOFF or cancelled debt as GROSS or INCOME! WELLS FARGO are reporting a CHARGEOFF on my consumer report! Income does not get reported on my CONSUMER REPORT! You are inaccurately reporting this account! Further more you have committed TAX FRAUD! You have this account reporting on my CONSUMER REPORT, as a cancelled debt meaning that portion of the DEBT has been cancelled! I have proof after WELLS FARGO filed this CANCELLED DEBT. I will be submitting to the IRS! I am also going to submit this to the XXXX and the ATTORNEY GENERAL!
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

I believe I am currently eligible for Public Service Loan Forgiveness ( PSLF ) under the limited waiver. I have submitted multiple ECF forms and PSLF applications, including in XXXX, XXXX, and XX/XX/XXXX. I am trying to understand what my current payment count is. I consolidated my federal direct loans in XX/XX/XXXX and my account was transferred from XXXX  to MOHELA. Since that time, MOHELA has failed to give me payment count that includes any of my work from XXXX XXXX. I have been employed continuously by either the state or federal government in qualifying loan forgiveness programs since XXXX ( which both XXXX AND MOHELA have confirmed ) and yet I have NO payment count and NO estimated forgiveness date. 

Can I please have someone who knows what they are doing call me and tell me : What is my current payment count, from XXXX to the present? This should not be hard. I have worked for either the state or federal government my entire legal career and submitted my ECF forms dutifully at least annually. Please do the bare minimum and get MOHELA to process my payment information from either the Department of Ed or XXXX. I believe I am currently eligible for forgiveness and they are deliberately delaying processing my forms so as to avoid having to give me the PSLF forgiveness I am eligible for under the waiver. It's been so long and the delays and excuses are exhausting. Please get MOHELA to do their job.
Consumer complaint received 2022-09-01
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)

In accordance with the far credit reporting act " 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 an account without my written instructions.

! 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Equifax XXXX and XXXX they keep putting old stuff back on my credit report and I keep trying to send paperwork it's in paperwork then I give them my identification I give my proof of everything and they keep putting old past stuff back on there and it shouldn't be it's all paid in full everything is XXXX there's something definitely going wrong I should have a XXXX score all that stuff on there is wrong
Consumer complaint received 2022-08-31
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: FIFTH THIRD FINANCIAL CORPORATION (NY)

Our XXXX Acccount/ FIFTH THIRD BANK Also known as. XXXX also known as XXXX XXXX should not be reporting late IN XXXX, XXXX OR XXXX OF XXXX. 

I am just mortified. MY WIFE CAN'T STOP CRYING. 

MY WIFE CALLED IN AND DISCUSSED MY ACCCOUNT WITH XXXX 'S CUSTOMER SERVICE BACK IN XXXX OF THIS YEAR. IT WAS CONFIRMED THAT THE ACCOUNT WAS DEFERRED FOR BOTH THE MONTHS of XXXX, XXXX AND XXXX. TO OUR DISMAY AFTER CONFIRMING WITH XXXX STAFF THAT THE ACCOUNT WAS DEFERRED WE NOTICED WE HAD BEEN MARKED AS LATE! 

the staff said they wouldn't do anything to help us! but we confirmed it was deferred on a recorded line! 

MY WIFE AND I WOULD HAVE NEVER LET THAT HAPPEN. WE ARE TRYING TO CLOSE ON A HOME PURCHASE. 

WE HAVE NEVER PAID THIS ACCOUNT LATE AND WE HAVE HAD THIS SINCE LOAN SINCE XXXX!!!
Consumer complaint received 2022-08-31
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. (GA)

In accordance with the Fair Credit Reporting Act the Experian, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy, and 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( account number as appeared on my experian report ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts and account numbers are as reported on my Experian report. 

These fraudulent accounts being on my credit report is a violation of my rights under the fair credit reporting act 15 U.S.C 1681 section 602 A. 

Experian has also failed to investigate and respond to my previous dispute and it has been more than 45 days, which is also a violation of my rights under the fair credit reporting act 15 U.S.C 1681 section 602 A.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TX)

I previously submitted a complaint, # XXXX, about {$140.00} in overdraft fees my Regions Bank account incurred for certain electronic transfers that went through without my knowledge. I received a letter dated XX/XX/2022, from XXXX XXXX with Regions Bank in which he explained that the bank had mailed me notifications. XXXX XXXX provided a phone number for me to call with any questions or concerns. I never received anything in the mail from Regions bank -- not account statements, not notices of overdraft fees, and not the letter from XXXX XXXX. I have attempted to contact XXXX XXXX at the phone he provided, but it goes straight to voice mail and he will not return my calls. I tried calling into the Regions call center and they had no way of contacting him either. They explained that based on the information provided to them that XXXX XXXX was not able to call customers back. This seems extremely unfair to have a bank representative send out a letter, asking a consumer to contact him by phone with questions or concerns, when that bank representative is not set up to field questions or concerns.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I dont have a citizens credit card. However, I have been getting regular texts from them for a couple months, since I used one of their ATMS to withdraw cash in XXXX, RI. The latest was a text from XXXX, stating they put a hold on the {$140.00} charge I made. Im glad I dont have one of their credit cards their texts are very convincing. I do fear they have my debit card info or its a coincidence that the texts started RIGHT after I needed cash but was too far from my own bank at the XXXX.
Consumer complaint received 2022-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emergent Business Group, Inc. (CA)

This company Emergent Servicing keeps bothering me and harrassing me for a debt they do not even tell me about. When they finally sent a letter I was like I do not owe this. The original company said I did not owe this. Stop harrassing me.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (OK)

Was looking at my XXXX credit report and found a credit card had been opened using my SSAN. The account was with Macys XXXX and opened on XXXX XX/XX/2022. I called the card company on XX/XX/XXXXand was transferred to the fraud department who took my information and provided the following Case ID number. 

XXXX XXXX. 

The address on the Macys XXXX account was listed as XXXX CA. I live in XXXX XXXX and know no persons living in XXXX. The Citbank company rep told me that this fraudulent account would be closed and that documentation of this would be sent to my email account. 

I also contacted XXXX to dispute the card account. XXXX put a fraud alert on my account.
Consumer complaint received 2022-08-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (NV)

Rapid cash issued me a series of loans-4 within a one month period where I borrowed an amount then needed more so I went in and they increased the amount so I could pay off the prior loan and get more cash-help. I now have a writ of garnishment but am unemployed. Also no service if process, and the amount on the writ is higher than the judgment and hand written on my copy of the writ
Consumer complaint received 2022-08-31
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. (FL)

In accordance with the Fair Credit Reporting act, 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 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-31
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. (FL)

In accordance with the Fair Credit Reporting act, 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 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-31
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. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-08-31
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: LEXISNEXIS (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-08-31
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)

I am distressed that the included information below in my credit profile that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. 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. Im a natural person my name is XXXX XXXX XXXX and the credit bureaus have violated my rights. Ive sent out dispute letters to resolve any issues. 
Refer to 18 U.S. Code 242- Deprivation of Rights under color of law.

Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.

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 famish an account without my written instructions.

1. Under 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ) This account is in violation of not reporting 100 % accurate it lists the bankruptcy court as the furnisher that's a forgery and misleading when the courts do not report this type of account. 
XXXX XXXXXXXX Bankruptcy ( XXXX ) Case Number : XXXX Please remove this inaccurate information from my credit report.