davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
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. (NC)

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX ( ACCOUNT # XXXX ) XXXX BNK ( ACCOUNT # XXXX ) XXXX ( ACCOUNT # XXXX ) XXXX PREMIER ( ACCOUNT # XXXX XXXXXXXX XXXX ( ACCOUNT # XXXX ) XXXX ( ACCOUNT # XXXX ) XXXXXXXX XXXX ( ACCOUNT # XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-06-07
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)

XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2023-09-15
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. (MS)

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. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2024-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I don't recall having a contractual relationship with this collection company CREDIT COLLECTIONS SERVICES , INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TN)

Although I am on the SAVE Plan with a {$0.00} payment, I am still being incorrectly charged interest on my student loan. I have called numerous times and spent hours on the phone to get this corrected and each time I am given various excuses on why it has not been corrected and a new timeline on when it will happen. I am one of the numerous people that never received my bill for XXXX which started the issues. I was assured the interest would be removed from my account, I would receive a copy of my billing statement, and I would receive credit for the month but none of those items has occurred. I still have not received a copy of a billing statement or any documentation after multiple requests to prove that I am receiving credit towards PSLF or income driven payments with my {$0.00} SAVE plan payments so I have no faith that they are correctly tracking those items. MOHELA is not following the stipulations of the SAVE plan as evidenced by my ballooning loan balance.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I submitted a Consumer complaint XX/XX/2023 in regards to an account that is reporting XXXX separate times on my credit report with different information of each of the reports. I submitted documentation proving my points. 
The account in reference is the XXXX XXXX XXXX XXXX  XXXX for an amount of {$740.00}. 
Ive submitted my dissatisfaction multiple times and the hinderance that the inaccuracies that are being reported is affecting my ability to pursue futhur in life.
Consumer complaint received 2023-09-12
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. (IL)

I am writing to complain to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report numbers related with this complaint are XXXX and XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-06-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX  XXXXXXXX XXXX XXXX  and Bank of America credit card pulled my credit on all 3 bureaus. 
XXXX, XXXX, XXXX. 
This happened over night at XXXX and XXXX. 
I did not request any credit to be pulled nor did I inquire about getting a credit card. 
I currently do not have any open credit cards with these companies
Consumer complaint received 2023-09-15
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. (LA)

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. 

Account XXXX : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-06-07
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)

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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX  : Account Number:XXXX Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX 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 2023-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/XXXX, I attempted to make a purchase through XXXX using my Wells Fargo credit card. I received an email stating that the purchase had been declined. XXXX then charged a different card which went through. On Friday, XX/XX/XXXX, my second Wells Fargo card was declined for a purchase through XXXX for monthly membership. I have not received any information from the bank, regarding the reasons that my cards would be suddenly declined. On XX/XX/XXXX, I attempted to pay the bill for the active cash card which was approximately {$340.00}. I saw a message in the app stating that I still had a past due amount of {$150.00}. I thought that was a little odd since the late fee, and the terms and conditions that I had received stated that a late fee was {$30.00}. I have not been late With my payments, since in the terms and conditions, it states that I have 30 days from the due date in which to make a payment before it is considered late.. I went into the rewards section of the app to see how many rewards I had accumulated. I noticed that XXXX of the rewards IDs said unavailable. This rewards amount shouldve been approximately {$180.00}. The bank has also negatively affected my credit report, all three. I have lost over XXXX points in the past couple of months due to their in accurate reporting of my account. I also attempted to pay this unjust late fee, however, I received a message saying that I had exceeded the daily, or monthly payment limit for my account from a non-Wells Fargo account, and that I needed to use a Wells Fargo account to pay, or call them directly.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (NC)

I called Credit Karma Spend due to my account being involved in fraud. I gave them several transactions that were not approved or accessed by me. There was thousands of dollars missing from my account. They told me they were sending me a provisional credit for {$2600.00} and then they told me they denied the credit and reversed it. They have closed my account where I cant see anything that is going on in my account! I cant see transactions, statements, or access anything in that account. I have requested these items and requested my email be changed. They have done none of this! I have appealed the decisions they made and told me they will let me know in 2-3 days, but arent sending me anything or anyway of giving them proof that these werent made by me! They owe me several refunds! {$400.00}, {$5100.00}, {$700.00}. All I get is a run around that they will send to their review department. They dont send me anything! I need help. They are a fraud! Stealing peoples money and not having to give it back! They tell me I will receive money and dont.
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL INC (CA)

I spoke with XXXX XXXX ( XXXX ) at Coast Professionals, Inc. ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) on XX/XX/XXXX in the morning ( XXXX  ). My account number is # XXXX. I indicated that I was disputing all or part of the debt, as the letter they sent me said I needed to do so by XX/XX/XXXX. I indicated that we paid the estimated taxes due at the time and that I was on the phone with the IRS to resolve it. She indicated that I could not dispute the debt without providing supporting documentation. I read her the language on the form that she sent me that indicated I just needed to call/write to dispute. I said I would fax in the form at the bottom of the form saying I dispute the debt but I told her it did not say I needed to provide supporting documentation at that time. She again indicated that I had to provide supporting documentation to dispute. She then indicated that I needed to schedule a follow up phone call. I said that I was not required to do so. She again pushed that I schedule a follow up phone call. I then asked for a copy of our recorded phone call and she indicated that she could not provide a copy of the recorded phone call. She indicated that only the company and the IRS could have access to the phone calls. I asked her for the person giving her this information regarding the documentation and access to the recorded phone calls and she said it was XXXX XXXX ID XXXX. XXXX then gave me her managers name XXXX XXXX. She was going to give me the ID but the call was disconnected on their end. She did not call me back at either of the numbers I provided her. I later called the IRS. They found a payment we made that had not been applied to the taxes that was under my husbands tax payer ID and not mine ( the primary ). The issue with the IRS was resolved and the payment was backdated.
Consumer complaint received 2024-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

When my loans were transferred to the new servicing platform with Mohela they advised that my payment amount was different. When I called and spoke with them, they let me know that the information showing the different payment was incorrect and that they would get that corrected. This was not done. I called again, they apologized and said that this would be corrected. When I went online it showed that I only owed a lower payment of {$90.00}. I made that payment and thought that everything was corrected and that the {$90.00} payment was because of the error and that I wasn't charged interest. I see today that they have also taken out the payment amount that I was paying before about {$260.00}. I did have payments set up to pay in the future through the old platform but since we as the consumer can not see or go into the old platform they should not be taking payments from that platform. They also are not showing as pending on the new system. This is now the 4th issue that I have had with Mohela. When I call everyone is nice and professional but they clearly have no idea what they are doing with this system change. This is extremely harmful to the consumer. I have children, and taking an almost {$300.00} payment out of my account unexpectedly is really harmful to our well being. Something needs to be done with Mohela their systems are not doing what they are supposed to and it is hurting Americans. I am trying to pay my loans and keep moving and they are making it really hard. I also would really like to be able to see my previous payment history because I no longer have faith that my loans have been applied properly. This is very very stressful.
Consumer complaint received 2023-11-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

On XXXX I received a bill for {$470.00} from the collections company IC System , Inc XXXX XXXX XXXX, XXXX XXXX MN XXXX for a past due XXXX ( XXXX ) bill. 

I have never in my life ever subscribed to XXXX. I have lived in XXXX for the past XXXX  years. This account was created and set up on XXXX XXXX XXXX  in XXXX XXXX. The person 's email address that set it up is XXXX. I am assuming the culprits name is XXXX XXXX, if not made up. His address of service is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have contacted the collections company as well as XXXX themselves. I have filled out their fraud paperwork. My Case number with XXXX is # XXXX.
Consumer complaint received 2024-06-07
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: EQUIFAX, INC. (WV)

this is a formal complaint about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. 
XXXX XXXX Balance {$4300.00} XXXX XXXXXXXX Balance {$3700.00} XXXX XXXXXXXX Balance {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance {$25000.00} XXXX XXXX Balance {$4300.00} XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance {$12000.00} XXXX XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$3700.00}
Consumer complaint received 2023-03-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc. (AL)

I contacted Prosper to inform them of their violations against me as a consumer and was told they had the right to deny me for a line of credit.

Prosper is in violation of U.S. Code $ 1681m - requirements on users consumer reports ( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( A ) Duties, generally ( ii ) does not include- ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report. 

Late payments are considered transactions which is a violation. 

There was also unauthorized use of my credit card by this company.
Consumer complaint received 2024-07-31
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: EQUIFAX, INC. (AL)

Hello, i recently tried to obtain a copy of my credit report, but its completely blank. i spoke to a representative and he advised me to provide my current address. However, the call was disconnected. Im simply asking for an update to the appriopate address that should reflect on my credit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-07-10
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. (CA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in blatant violation of Federal Law. In their responses to my dispute letters, they claimed to have verified the items as accurate but failed to provide copies of the documents used for verification, as I explicitly requested.

Their failure to provide these documents clearly indicates that they can not and did not verify any of the disputed accounts as claimed. Moreover, their refusal to delete the disputed accounts they can not verify, even after two written requests, demonstrates a willful disregard for Federal Law.