davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (FL)

All debts on my record are over seven years old. They are hospital bills. I had insurance at the time. They keep calling and harassing me for multiple years. They keep getting sold off to a new debt collector that keeps changing dates on my credit score. I have never once indicated that was my debt. I have never acknowledged I was who they were calling for. For all I know these arent even hospital bills. I havent even been in that state ( XXXX  ) since 2017. There dates are incorrect. It is unfair for it to keep renewing when it has been on my report for too long without any proper documentation. I want justice!
Consumer complaint received 2024-08-22
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: AMERICAN EXPRESS COMPANY (FL)

Source XXXX AMEX  Inquired on XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX ( XXXX ) XXXX AMERICAN EXPRESS XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX ( XXXX ) XXXX
Consumer complaint received 2024-08-22
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Pacific Credit Exchange Corporation (CA)

Hello According to 15 USC 1692 c this you have violated my rights by unlawful communications, Please remove this collection from my credit. I have received threatening XXXX  calls from a XXXX  with this company, this man has named my place of employment and my home address and has threatened to come to these locations to serve me as he stated his company had filed a court order against me. I have no knowledge of what this man and company is referring to and has caused me to very concerned. I have notified this company and no one seems to care this is violating my rights as an XXXX XXXX there for please remove this collection off my credit report once and for all thank you.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NJ)

I have late payments showing on my student loan and it is really affecting my credit score because I know that its been extremely hard to afford to pay my student loans and Ive always called to add a forbearance to make sure that doesnt happen and I really need somebody to have that Removed From the reporting agencies, I never a payment I always called to have a forbearance in place.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Tried to sign up for an account so I could freeze my credit. It won't let me log in, says there's an issue with my account, and that I have to call the number. I called the number ( which is horribly configured, blasts piercing music at you nonstop, and requires you to press XXXX once a minute or it hangs up on you ) and after waiting for half an hour, I pressed XXXX to receive a callback, at which point I got into a loop of it repeatedly prompting me to enter my callback number so I had to hang up. 

So, I feel they are violating my legal right to freeze my credit account with them by denying me access to the website and making it literally impossible to speak with a representative over the phone.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union website has been broken for weeks and will NOT allow you to freeze your credit report online. This comes after the recent data breach of XXXX XXXX XXXX. Trans Union 's website is not allowing credit freeze, and also NOT allowing a credit lock via their security website mytrueidentity.com All the ways to freeze or lock your report with Trans Union are BROKEN
Consumer complaint received 2024-08-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mutual Management Services LLC (FL)

This collection agency is trying to collect a debt that isnt in our name plus charging 18 % interest, i did sent a proper letter to verify this debt if legitimate but this collection agency send me an email with a receipt qith a different name on the receipt
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Fidelity Services, LLC (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-08-24
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: Upstart Holdings, Inc. (VA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: P.S.C., Inc (WA)

I received phone calls and mail from puget sound collection agency for a debt that was not mine. O have been trying to resolve this problem with them and they refuse to send any verification that I owe a debit. They sent me a thier own typed up bogus letter saying I owe them money the letter didn't come from the alleged creditor.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/year>, my Wells Fargo account ending in XXXX was closed, all pending items which were payroll taxes, XXXX contributions, health insurance contributions and payroll were returned unpaid. The balance of {$160000.00} is being held since XXXX. I called XXXX and was told a check was mailed out and I should receive next day via XXXX XXXX to my po box . I went to the po box to find nothing and I spoke to the postal office attendant confirming that they could indeed receive a XXXX XXXX  package by putting a slip in my box and I could claim it with them. I called XXXX was told they were waiting for approval on check to be generated and I called XXXX was told the same thing by customer service. I called this morning at XXXX and was told that they would have to transfer me to research dept. When I was transfer they said they can submit for research and it would take up XXXX hours to assign someone to the case and up to XXXX  days for them to make the correction ( or mail my check ). I ask to get something in writing which they proceeded to send and then told me they could not generate the email and passed me to a supervisor who could not do anything for me but pass me on to a different dept. Which they didnt get me to them. XXXX came back to the line saying he would research further with no conclusive information. still have not received any resolution from anyone. i am being told the same thing. Why would a bank hold on to funds for so long?
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (MN)

On the date of XX/XX/XXXX I noticed a weird email from my credit apps saying I opened a new card with a lender. I quickly checked my banking apps and realized it was from american express. I was unsure and confused since I didnt sign up for any amex cards recently and for a long time. I looked through once again and noticed it was a new card design for my existing current amex personal card. On the date of XXXX XXXX I had lost my amex personal card copy and requested a replacement and after seeing the new inquiry I then realized I accidentally clicked on the new design instead of the existing gold design. I quickly reached out to the american express line and expressed my concerns. They proposed to me that the inquiry would be removed as soon as possible as it was an accident and was caused by me seeking my current amex gold replacement copy. I am writing this complaint on XX/XX/year>, and still have yet to get this accidental inquiry removed.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

TransUnion is unable to tell me if my credit is frozen or not, and has a lengthy time that is unreliable when calling them to place a freeze. They also require signing up for a paid XXXX  ( formerly XXXX ) account to be able to contact them there. 

The TransUnion site is broken when attempting to log in- I am receiving a message that they are " Unable to verify identity '' and I have no agency over viewing/freezing/un-freezing my credit with them. 

I contacted TransUnion multiple times via several channels and was unable to get any resolution to my account online. This is a major problem compared with the other two agencies who allow easy sign in and viewing of your credit freeze for free. You are able to freeze and unfreeze instantly with the click of a button with the other two agencies, but not TransUnion.

This seems nefarious and predatory and needs to be investigated.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

We have received additional information to counter attacked ChexSystem phony claim. 

The cited they are protected by Section 603 ( x ). I demand they provide the total content of this provision of this statue. When we looked up Section 603 ( x ) this is what we discovered : Section 603 ( x ) provides special procedures for investigations of suspected misconduct by an employee or for compliance with Federal, state or local laws and regulations or the rules of a self-regulatory organization, and compliance with written policies of the employer.

I am NOT an employer of Any of Chex System clients. Weather that be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

So this file should NOT be closed until they provide us the complete statue that protects them from the FCRA.

If they choose to not furnish this information to the CPFB or any government agency, we are ready to litigate.

Ad every violation that they have violate in punishable up to {$1000.00} and there are many cited here. 

XXXX XXXX XXXXXXXX is claiming these same nonsense statue, " Specialty Consumer Agency ''. There is not such statue on the federal level of such. If it is, we are also demanding they provide us and the CPFB the very statue they claim protects them from the FCRA. We do not want a form letter. We want the very statue that protects them or we litigate here also.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/year> at XXXX XXXX, TransUnion ( TU ) sent me two emails. One email welcomed me to their company. The other email stated " Thank you for choosing TransUnion! You have taken an important step toward protecting your identity & credit. Here 's the next one : Check your account details now. Log into your TransUnion account to make sure your personal information is accurate and your account settings work best for you. Bookmark your login page so you can easily access your account when you need it most. '' I did not sign up for this service. I had not contacted TU even for information. These emails came in out of the blue. So I contacted TU and informed them that I was concerned that someone else, impersonating me, was trying to sign up for a credit monitoring account with TU. I gave them the email with the Order number and said I needed to understand why it had been sent to me. They insisted on asking for all of my personal information, including my DOB and SSN, before helping me. They refused to answer any questions. So the bottom line is I told TU, that I didnt sign up for this service and was concerned about fraud and they ignored me.
Consumer complaint received 2024-08-22
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: PENNYMAC LOAN SERVICES, LLC. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

There are false accounts reporting to XXXX XXXX XXXX, and chex systems that are hindering me from securing traditional banking services. I am the XXXX XXXX XXXX and have a different middle as well as an additional last. I am either a victim of identity theft or these companies are pulling misinformation from the other XXXX XXXX in my family. I honestly do not know which has happened, I have no knowledge of opening these accounts let alone making transactions within them and I am being held responsible for the monetary loss of these institutions and I had no part in any of this. I am a XXXX man trying to become a responsible and I can not even open a bank account. This is disheartening to say the least. Please help me, when I reach out to these institutions I am receiving no help or way to rectify these situations.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMERICAN EXPRESS XXXX
Consumer complaint received 2024-08-22
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: SLM CORPORATION (CA)

In XXXX  I inquired about obtaining a student loan from Sallie Mae but when I applied, a co-signer was requested. I contact Sallie Mae by phone and was told that I did need a co-signer but after 6 months of payments, I could request this person to be removed. It was never implied that I would need to some how qualify by myself or that there was a stipulation to have my co-signer removed other than making 6 months of payments. I have moved forward with asking my uncle to co-sign for me with the information provided by the Sallie Mae representative and he agreed. I have acquired a large student loan and have now been told that I will have to qualify for the loan on my own to have him removed. I believe that these tactics were used to pursue me to acquire this loan when the there were extensive stipulation required to get a co-signer removed. This liability of the loan for my cosigner is not what he agreed upon which I feel like is unfair for the borrowers. This situation has been a notable tactic mentioned in other litigations and their deceit towards borrowers continues. 

In addition, my cosigner had an incredibly high credit score but my interest rate terms were 14 %. While I accepted these terms in order to pursue my Degree in XXXX, I feel like they are predatory and unmanageable. I believe that Sallie Mae is setting interest rates based on financial gain rather than credit score.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

Sent and called about account to verify be of Two accounts being reported from this company under XXXX XXXX XXXX XXXX XXXX XXXX ) That was settled XX/XX/2024 by still reporting under the account number w/ Derogatory remarks with late payments
Consumer complaint received 2023-07-06
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. (LA)

My name is XXXX 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 2024-06-28
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: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint against Credit Bureaus regarding their persistent failure to correct inaccurate information on my credit report. Despite my repeated attempts to resolve these issues over the past several months, totaling many separate requests, the credit bureaus has not taken the necessary actions to correct the late open accounts and remove the charge-off entries. Despite providing evidence that these accounts were not opened late, they remain incorrectly reported on my credit report. These entries are inaccurate and should have been removed after my initial dispute. However, they persist on my credit report, negatively impacting my credit score and financial standing. Despite my efforts, the credit bureaus has failed to correct the inaccuracies or provide a satisfactory explanation for their refusal to do so. I respectfully request for your intervention to ensure that the credit bureau/institution complies with the Fair Credit Reporting Act ( FCRA ) by accurately reporting my credit information. With this, I am asking for your assistance to correct the late open accounts and remove the charge off from my credit file : XXXX. XXXX XXXX Balance Owed : {$4000.00} Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX. XXXX XXXX Balance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2024-06-28
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. (LA)

I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.