davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Experian Information Solutions Inc. (GA)

I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXX XXXX XXXX opened XXXX XXXX amount XXXX but the federal law states the social security number belongs to the SSA and anything purchased with that identifier number is in obligation of the United States USC 8 means that anyone attempting to collect a debt from me is guilty under the false claims act [ FCA ] 31 U.S.C 3729 I also was required to put money down for the transaction title 31 USC sec 3123 all debts are United States Obligations and there is plenty more laws made by Congress that protect me as the consumer 42 USC 408 states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a crime.12 USC 1431 banks cant loan money because theyre the borrowers. UUC 3-104 tell us how to use a negotiable instrument,31 USC 5118. 1681 2a they arent supposed to report transactions 15 USC 1602 I am the original creditor. 15 USC 1605 finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into 15 USC 1635, 15 USC 1662,12CFR s 202,15 USC 1602g USC 8, 12 USC 95a , 18 USC 894 is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of Title 18, Chapter 42 of the U.S. Code, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since XXXX  knowingly and willingly deceives the American people for financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.
Consumer complaint received 2024-10-17
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. (TX)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-10-17
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. (TX)

Previous complaint with CFPB XXXX, I submitted a dispute for fraudulent accounts on my credit report through the CFPB contacting Transunion regarding fraudulent accounts, the disputed process transunion used did not removed the fraudulent accounts. I provided a FTC Identity theft report regarding the fraudulent accounts. The FTC is a law enforcement agency under section 4 of the FTC. On XXXX Transunion responded to the disputed fraudulent accounts as verified and Accurate. 
Transunion file # XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX Balance {$16000.00} XXXX XXXX acct # XXXX Balance {$320.00} XXXX XXXX acct # XXXX Balance {$990.00}
Consumer complaint received 2024-09-24
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. (AL)

I am writing to file a formal complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to inaccurate and unverified information on my credit report. I have disputed the following items on my credit report with Experian because I believe they are inaccurate and can not be verified. Despite my formal request for verification under Section 611 of the FCRA ( 15 U.S.C. 1681i ), Experian has failed to provide adequate verification or delete the contested items. The disputed information includes : Creditor/Account Name : 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. In addition to contacting the credit bureaus directly, I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter. My FTC report reference number is. This report outlines the same issues I am presenting here and supports my claims of unverified and inaccurate information on my credit report. On XX/XX/year>, I sent a formal dispute letter to Experian, requesting verification of the items listed above. I provided copies of my credit report and supporting documentation, but I have not received a satisfactory resolution. The disputed items remain on my credit report despite the lack of proper verification. Given the continued presence of unverified and potentially inaccurate information on my credit report, I request that the CFPB take the following actions : Investigate the failure of Experian to comply with the FCRA. Ensure that Experian either verify the accuracy of the disputed items or promptly delete them from my credit report. Address any potential violations of my rights under the FCRA by Experian. Please find attached the following documents to support my complaint : A copy of the FTC report XXXX .Any correspondence between myself and Experian regarding this dispute I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights under the FCRA XXXX 
Sincerely, XXXX XXXX
Consumer complaint received 2021-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2024-09-24
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. (AZ)

I sent out letters disputing all items in my credit file XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX on XX/XX/XXXX also to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, and Also to Experian XXXX XXXX XXXX XXXX, TX XXXX .... All Accounts on these credit reports, No actions were taken as was a victim of fraud and unfair credit reporting under XXXX XXXX XXXX, and was involved in the recent credit Breach. 
XXXX XXXX XXXX and a bal. of {$3400.00}, XXXX XXXX XXXX  XXXX bal. of {$540.00}, XXXX XXXX XXXX XXXX bal. of {$390.00}, XXXX XXXX XXXX XXXX. OF {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 2023
Consumer complaint received 2024-10-17
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. (NV)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-09-24
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. (CA)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA (PA)

Between XX/XX/XXXX and XX/XX/XXXX Mohela added seven new loans to my credit report. They are now stating that I had six missed payments in XX/XX/XXXX when I have not had a missed payment ever. They even provided a statement on my credit report that customer disputes this information. They are claiming that I made a late payment in XXXX for a loan that was closed in XXXX, XXXX, XXXX then on top of that Mohela has listed a second time claiming that the very same payments were all made late in XXXX. The company is completely inept, I cant even upload my documentation to prove my income and they refused to correct the records
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I have been having multiple issues with this company and they still refuse to update the false credit reporting. I was under the covid forbearance program and while i also had significant issues with that process, they are refusing to comply with the terms and still reporting the forbeared amount ( {$11000.00} as delinquent ). I have resumed making my payments consistently since XX/XX/XXXX and also in some cases made more than my regular payment amount and they have not been applying the excess amount correctly. 
They have also reported incorrect information in my credit reporting which was reported XX/XX/XXXX. These are all the incorrect information to date : 1. Reporting forbearance from XX/XX/XXXX through XX/XX/XXXXXX/XX/XXXXinstead of XX/XX/XXXX months ( please note that they should not be reporting this in the first place per CARES ACT ) XXXX. XXXX XXXX XXXX payment late even though they received payment per transaction report I pulled from their page. This XXXX transaction statement showed I pay {$1400.00} monthly and they only apply {$1300.00} which is incorrect. 
3. Month end balance as of XX/XX/XXXX is {$160000.00} and they are showing {$170000.00} 4. They are showing a monthly payment of {$1300.00} on credit report even though my monthly payment is {$1300.00} The number of inconsistencies is mind boggling to say the least. I called again today and spoke to XXXX who was beyond rude and asking me to email their support team even though I have done this on multiple occasions with no response to date. 

This loan servicing company is not complying with regulations and especially not following Section 6 of RESPA as they have refused to respond to any of my written requests. Please see attached the request emailed and sent to them on XX/XX/XXXX
Consumer complaint received 2024-11-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NC)

Regarding an open collection on my credit report associated with IC System, I have reviewed all my records and confirm that I do not owe any outstanding balance to this organization. IC System has not provided any documentation to substantiate the alleged debt. This unresolved issue is impacting my credit score, and without proof of debt, I believe this collection is inaccurate. I am requesting that IC System remove this collection entry from my credit report to reflect my true financial standing.
Consumer complaint received 2022-10-27
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. (MI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 2024-11-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (CO)

I spoke with the private loan provider Sallie Mae in 2018 about payment options. They advised there were only 2 options. The first option was to pay {$550.00} a month with low interest and the second option was to pay {$500.00} a month with higher interest with no possibility of a revised payment plan
Consumer complaint received 2024-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2023-08-10
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. (WI)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT DATE : XX/XX/2022 ACCOUNT NAMEXXXX XXXX XXXX XXXX ACCOUNT DATE : XX/XX/2022 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. Ilook forward to your response.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (CA)

Dear Sir or Madam, Subject : Request for Assistance with Dispute Resolution Inaccurate Bankruptcy Record Reporting I am writing to seek assistance with an unresolved issue concerning the reporting of my XXXX  XXXX bankruptcy by the credit reporting agencies XXXX and XXXX. Despite a previous dispute filed and processed in XX/XX/XXXX, inaccuracies persist in my credit report that I believe are unfairly impacting my credit status. 
Background and Details of the Complaint : Record Type : XXXX XXXX bankruptcy discharged. 
Date Filed : XX/XX/XXXX. 
Date Resolved ( XXXX ) : XX/XX/XXXX. 
Responsibility : XXXX. 
Reference Number : XXXX. 
Address of the Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Phone Number of the Court : ( XXXX ) XXXX. 
Dispute Processing : My dispute regarding this matter was processed in XX/XX/XXXX, but the report remained unchanged. 
Despite my efforts to correct this issue directly with XXXX and XXXX, the bankruptcy record remains inaccurately reported. The response from both agencies stated that the item remained unchanged post-dispute processing, which contradicts the actual resolution details of my case. 

Impact on Me : The persistence of this inaccurate information is detrimental to my financial health, affecting my ability to secure credit and other financial services. It is crucial that my credit report reflects accurate and updated information as per the legal discharge of my bankruptcy.

Resolution Sought : I request a thorough reinvestigation of the bankruptcy record and correction of the discrepancies found in my credit report. Additionally, I seek confirmation of these corrections in writing from both XXXX and XXXX. 

I have attached copies of relevant documents, including the bankruptcy discharge paperwork and correspondence with the credit bureaus. I am prepared to provide any further information necessary to assist in resolving this matter. 

Thank you for your attention to this serious issue. I trust the CFPBs involvement will ensure a fair and prompt resolution. 

Sincerely,
Consumer complaint received 2023-10-10
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. (NE)

I submitted a complaint again XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (SC)

Dear XXXX, I am writing to report a complaint against Kraken, a XXXX XXXX registered as a XXXX XXXX XXXX with XXXX. I have been unable to access my funds, and Kraken has been unresponsive to my repeated attempts to resolve the issue. On XX/XX/year>, I initiated a withdrawal of {$390.00} from my Kraken account to my bank. However, the funds have not been deposited into my bank account, and I have received no updates on the status of my withdrawal. I opened a support ticket with Kraken on XX/XX/XXXX, but have not received a response. I have also attempted to contact Kraken through their online chat, but they were unable to provide any information about my withdrawal. Krakens lack of communication and failure to release my funds is unacceptable. I am concerned that they XXXX be engaging in practices that violate my rights as a consumer. I respectfully request that XXXX investigate this matter and take appropriate action to ensure that Kraken fulfills its obligations to its customers. I can send copies of the support ticket email, and chat logs as evidence if need be. Thank you for your time and attention to this matter.