davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (IL)

Notice of Violation of the Terms of Bankruptcy of the Government of the United States of America, XX/XX/XXXX, A.D. XXXX, Priority Claim For Discharge, and Entitlement Order To All All These Presents Do or XXXX Concern, Greetings Whereas, the organic laws of the United States of America forbid involuntary servitude, and ; Whereas, the public laws of the Government of the United States declare void, any contract evidencing a public debt obligation containing any gold clause requiring tender of payment in any specific specie of legal tender, and ; Whereas, pursuant to provisions set forth in said public laws, as of XXXX XXXX XXXX XXXXXXXX, no legal tender exists, and ; Whereas said public laws entitle the undersigned to claim for discharge, dollar for dollar, in any such amounts appropriated by said Government, upon demand ; Now Therefore, the undersigned XXXX ; XXXX XXXX, duly authorized to act on behalf of the entitlement holder : XXXX XXXX XXXX, Agent for the Principal : Government of the United States duly authorized by the State of Illinois ; evidenced by State File Number : XXXX, makes priority claim for discharge, dollar for dollar, on any such amounts due, and hereby authorizes and Instructs any/all parties presently in custody or control of any such amount ( XXXX ) due now, or in the future to said entitlement holder ; to act as Securities intermediary, and remit against any XXXX amount ( XXXX ) via same day electronic funds transfer at its account at the Federal Reserve Bank of New York XXXX XXXX ABA : XXXX ; FI ALC : XXXX, on said entitlement holders behalf, and release the XXXX of bond ( XXXX ), on any such property. 
( our authority granted herein and hereunder shall expire upon the earlier of : any communicator from the undersigned terminating your authority granted herein, or Your completion of the acts, authorized herein. You shall ignore any further instructions from any other entitlement holders, unless duly authorized in a communication delivered to You by the undersigned. The undersigned is not disqualified to act, under said organic and public laws It Is So Ordered. 
XXXX XXXX XXXX XXXX XXXX XXXX Holder Without recourse to the undersigned Agent By : XXXX : XXXX, XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2023-07-11
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. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Reported XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XXXX A Reported XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/202XXXX XXXX XXXX Reported XX/XX/2023 XXXXXXXX XXXX  Reported XX/XX/2023 XXXX XXXX XXXX  Reported XX/XX/2023 XXXX Reported XX/XX/XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXXXXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/2023 XXXX XXXX  Reported XX/XX/2023 XXXXXXXX XXXX Reported XX/XX/2023 XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/20XXXX XXXX XXXXXXXX XXXX Reported XX/XX/2023 XXXX XXXX Reported XX/XX/2023 XXXX XXXX  Reported XX/XX/2023 XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/2023 has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions,
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CO)

I have been working with Lexis Nexis since XXXX, XXXX  to dispute a couple items on my file, as of today they are still not resolved however, yesterday I reached out to Lexis Nexis yesterday XX/XX/2023 and was on a recorded line and was told that now I have someone else 's social security number coming up on my account. I spoke with two of the customer service employees at two separate times yesterday on a recorded line in which they both confirmed that I have two socials security numbers on my account. I could see if the issue was in the last four of the SS number but it's the whole SS number. My number begins with ( XXXX ) and the wrong one on my account is ( XXXX ). This is hurting my credit severely. I can not apply for an apartment, am having to stay with family because of this. The person that has the ( XXXX ) SS number has a bankruptcy on their account which is hurting me as well. Also, there is another bankruptcy that is hurting my credit that lexis nexis continues to tell me that they verified it to be in my name but my attorney has sent a letter to lexis nexis explaining that this needs to be DELETED IMMEDIATELY off of my credit report because of the inaccurate information being reported is hurting me. There, I am demanding this be cleaned up ASAP. I do NOT have time to keep waiting 30 days at a time for lexis nexis to keep doing this to me. My entire credit report is a mess at this point. I have worked on this for almost four months. Enough is enough and this needs to be resolved NOW!!! If needed I do have the recorded conversation with lexis nexis explaining that there is in fact an additional SS number on my account that I can send to you. Also, XXXX has sent me a letter explaining that the SS number on my account is not the one they have on my file. As for thr one bankruptcy Lexis Nexis stated on a recorded line that the Co. courts reported a bankruptcy on my account but the court clerk explained that they do not report so again inaccurate information is being reported to my file.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-31
Product: Credit reporting 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

Me and my XXXX siblings were given a check in an amount over {$10000.00} from a family friend. On XX/XX/2023 I walked into PNC Bank to open up a bank account and use that check as my deposit. The process went well but that evening I got a text stating that the check will be put on hold until five business day. I received a letter dated XX/XX/2023 stating that my check would be released the fifth business day.On the six business day, my check was not released which made it XXXX XXXX. When I asked why they are saying that theyre going to hold it for another five business days and that they need to get in contact with the person who issued out the check then they gave me a reference number stating that I call ( XXXX XXXX XXXX XXXX the bank who it initially came from to call PNC XXXX they are also telling me if they never get in contact with the person who issued out the check, they will hold my money
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX. Please remove this account ASAP.
Consumer complaint received 2023-09-06
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BETHPAGE FEDERAL CREDIT UNION (FL)

I want to make it abundantly clear that I have never, at any point, granted you permission to access my credit profile. Furthermore, you possess no legal grounds for contacting third parties with my personal information. Your actions in obtaining my consumer report on XX/XX/XXXX, without a permissible purpose, stand in flagrant violation of the Fair Credit Reporting Act ( " FCRA '' ), as explicitly codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Case law, such as Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ), reaffirms the gravity of such transgressions. 

Let me be absolutely clearI have not engaged in any transaction with Bethpage Fed CR Union. Furthermore, I do not maintain an " account, '' as defined under 15 U.S.C. 1693a ( 2 ), with Bethpage for any conceivable review or collection. It is paramount that you understand the severity of your actions, as they amount to Aggravated Identity Theft under 18 U.S.C. 1028A. Knowingly transferring, possessing, or utilizing my means of identification without lawful authority is a felony, punishable by up to 2 years of imprisonment, in addition to civil liability.

Per 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. Your transgressions have left me no choice but to assert my rights under the FCRA, [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ]. You unlawfully obtained my XXXX consumer report on XX/XX/XXXX, without my authorization or a permissible purpose under 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act ( FCRA ) and its associated guidelines for permissible purposes.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2023-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (SC)

Harris & Harris , LTD is demanding {$56.00} from me while harassing me via phone. Harris & Harris , LTD are aware this alleged debt was paid to the original creditor responsible for medical services received. 

Attached proof of payment will prove Harris & Harris , LTD are harassing me for {$56.00} with no contractual agreements to supports goods or services exchanged. 

XXXX XXXX left two voice mails on XX/XX/2023 and XX/XX/2023 on my private line. Harris & Harris , LTD does not have a permissible purpose to contact me. 

Harris & Harris Ltd received a notice on XX/XX/2023 to validate the alleged debt in question. 
XXXX XXXX and XXXX XXXX authorized representatives of Harris & Harris Ltd left several voicemail messages after USPS confirmed mail receipt. On a previous recorded call I requested Harris & Harris Ltd to cease and desist. The representative confirmed receipt of the validation notice and she was kindly asked to cease and desist. Harris & Harris Ltd are still calling.

Harris & Harris , LTD are debt collectors demanding a debt on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have not received any goods or services from Harris & Harris , LTD and I do not know how Harris & Harris , LTD received my private medical information. Please be advised no consent to treat documents bare the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX is not a medical facility with active medical degrees allowed to collect funds from their alleged patients. 

Harris & Harris , LTD ignored the Validation request and continues to harass me by phone. Harris & Harris , LTD are aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I do not agree to pay/tender anything to Harris & Harris , LTD. , on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the expense of my private medical information being on display to whomever. 

Harris & Harris , LTD proved they are willing to do whatever they can to force their alleged clients into paying debts while violating their HIPPA rights in the process. I am being harassed for an alleged debt having nothing to do with Harris & Harris , LTD I am not a party to any agreements that Harris & Harris , LTD may or may not have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am not responsible for Harris & Harris , LTD purchase / transfer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not agreed to pay/tender anything to Harris & Harris , LTD . 

At this time, I demand no further contact from any associate or authorized representative of Harris & Harris , LTD . 

All calls are recorded for my safety. Kindly Cease and Desist. 
I have included all proof in the attachments.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}
Consumer complaint received 2023-09-21
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. (GA)

I XXXX XXXX am sending this information personally and on my own behalf. The account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Account No. : XXXX is being reported to the Credit bureaus incorrectly and without my consent and therefore should not be on my consumer report. 15 USC 1681 states that I have a right to privacy and section two of that same law 15 USC 1681 Section 602 section 2 states that a consumer reporting agency can not furnish an account without my written consent I HAVE BEEN VIOLATED AND DEMAND THAT THIS ACCOUNT BE REMOVED. XXXX XXXX XXXX can not produce any documentation proving that I ever had a contract with them, in fact they can not produce any signed contract with my signature. XXXX EXPERIAN AND XXXX did not verify any of this information before publishing this information which is another violation of my rights. Also if a consumer disputes the validity of a debt or any portion of a debt the collection agency must cease collection of the debt. ALSO BILLING STATEMENTS ARE NOT EVIDENCE OF A DEBT and providing statement is not validating a debt.
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Debt Collectors International, Inc. (NJ)

DCI ( Debt Collectors International ) contacted me about an ( unknown ) debt to XXXX. I had reached out to XXXX to directly resolve the debt. 
XXXX continued to call, aggressively threatening me even after being advised I was working with XXXX directly. 
She called the shop and spoke To employees about the debt, telling them shed sue and disclosing amounts owed. She then posted on my XXXX page under several posts and disclosed the amount owed, telling customers about the debt and threatening to report me to XXXX XXXX  XXXX XXXX. She then aggressively messaged my inbox and web page. I have screen shots. She was advised to stop. She told me to bring it. This is harassment, and most likely due to the fact she wont get a commission from payment.
Consumer complaint received 2023-09-06
Product: Credit reporting 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: LEXISNEXIS (NC)

Lexis Nexis is refusing to provide my consumer disclosure report, per FCRA law. This is in violation of my consumer rights. 

I have tried for months to request online and also called to try to resolve to no avail.