davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
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)

Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX Contrary to 15 U.S.C. Sections 1692d, 1692i, and 1692c Dear Equifax Information Services, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act. 

Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the XXXX system, without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information. 



Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ).

Moreover, it has come to my attention that the information shared through credit bureaus like Equifax has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors. 



As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts. 

Tangible proof or verification of these accounts within five ( 5 ) days of your receipt of this correspondence. 

Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX. 

Immediate cessation of harassing calls by their associated debt collectors in line with FDCPA provisions. 



Please be advised that persistent contacts from XXXX XXXX based on false or unverified information reported through Equifax may result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent. 



I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Consumer complaint received 2024-04-07
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AmeriCash Holding LLC (WI)

I got sued after XXXX XXXX firm purposely tried to have it served at wrong address to get the judgement in their favor than after it was in their favor sent me a copy of the complaint. Never once have I received the original amount of what the loan was where all the interest came from. I have just like others as there is a laundry list of people they have done this too. Than I sent a letter to the court regarding this along with a garnishment statement filled out and shocker under the federal poverty level. Now with ZERO contact from these people they have successfully had my check garnished by sending the garnishment paperwork to the wrong address. The amounts are above the 4 % yearly allowed post judgement interest. The original judgement amount was {$2900.00} somehow now is {$3600.00} plus dollars and I still dont even know how its {$2900.00} cause I have never gotten any paperwork I asked about including original loan paperwork. They know where I work they know where to send letters to my actual address not a prior address just so they can get a garnishment to go through. This law firm if you can even call that keeps to this to so many people and everyone complains files complaints and nothing happens to them and the keep getting away with unlawful collection practices repeatedly
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2023 I deposited {$3000.00} cash into my Chase branch atm. The atm said that it could accept XXXX bills. I put into the atm slot XXXX {$20.00} bills. After it took my money it printed out a receipt without the amount of money I put in and it just said please call chase if you do not see the funds in your account. I immediately called and filed a claim because the funds never went I to my account, now its XX/XX/XXXX they are still giving me the run around about my money and they have told me that it was about 14 error messages with the same atm that I used but still havent credited me or given me any of my money back.
Consumer complaint received 2022-12-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Need all accounts with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/1993 to be fixed in the system real birthday is XX/XX/1993 social Security number XXXX and address to be updated XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX new phone number update ( XXXX ) XXXX
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NE)

My bank is XXXX and it is connected to my Venmo account. I paid another person on Venmo {$650.00} in XX/XX/XXXX. I later disputed the charge as I incorrectly thought it went through twice. When I submitted the dispute through my bank they alerted Venmo and Venmo took the money back from the other user I had originally sent the payment to. Later, I received a letter from my bank stating the fraud investigation is done and Venmo proved the transfer was legitimate and legal so the dispute was denied. At that point I expected the money to be sent back to the person I originally sent it to. It has not been sent to her as of today. I have contacted my bank and Venmo multiple times trying to find this money. Every time I contact my bank they say their investigation is closed and I need to contact Venmo. When I contact Venmo I get a different answer every time but they always say to call my bank. The original receiver and myself have since received multiple responses from Venmo/Paypal that the investigation done by XXXX was done and found to be in my favor but I did not get the money. The investigation that XXXX conducted was not found to be in my favor, so that is a lie from Venmo. I received a call from XXXX today XX/XX/XXXX from someone with the CEOs office stating that when they conducted their investigation and found that I was liable for the money, at that time the money was sent back to Venmo. Which makes sense because thats how disputes work. Venmo refuses to provide the money or contact me back to settle this. So now Venmo needs to either send that {$650.00} to the person I sent it to or send it back to me so I can send it to her through a better money transfer service. I will not be letting this go until Venmo gives me the money and provides detailed documentation showing all of the moneys movement including after the dispute was investigated and closed.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), CAPITAL ONE NA, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by CAPITOL ONE NA on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and Capital One NA and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Consumer complaint received 2023-08-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

It all started when I received a notification on XX/XX/2023 because my profile information on my Experian account changed. I did not initiate the change. I continued to log in, and my password and the phone number associated with my account were both incorrect. I then continued to click on " forgot username '' and my username got sent to an email address that was not mine. I placed a free fraud alert on my account while this issue was being resolved. I contacted Experian about this change on XX/XX/2023, faxed them any information needed on XX/XX/2023, and have yet to receive a response about my Experian account. I also received a letter in the mail on XX/XX/2023 indicating a recent credit card application, that I did not apply for, was denied because they were unable to verify identity information. I have also received a notice of application denial for XXXX XXXX dated XX/XX/2023, for which I have also not applied for a lease. 

I checked my credit score and there was a hard inquiry on my account by XXXX XXXX XXXX XXXX on XX/XX/2023. I disputed this inquiry with XXXX on XX/XX/2023 and received an answer on XX/XX/2023. The results were : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX believe whomever gained access to my Experian account applied for a credit card and lease- to-own agreement through XXXX XXXX with my information. I did not apply for any of these and I placed fraud alerts on my accounts and locked my credit score to prevent any further fraud. I called XXXX on XX/XX/2023 to get more information on this dispute and next steps I need to take. This report is a part of those steps.
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (MO)

My daughter received a pre-approved letter for an American Express card. She was approved for a card. I never signed for a card nor ever was issued a card. Prior to XXXX I use to have an American Express card but filed bankruptcy which included American Express in XXXX and all my debts at that time including the American Express were covered in that debt. My daughter missed her payments and went into default and American Express in their attempts to collect a debt that does not belong to me erroneously added it to my credit report. If you look at my credit report you will see that in over 22 years I have not as much made a late payment, ever. Always paid on time and never have been late. I have called numerous times to have this resolved and they have done nothing but give me the runaround. They are even reporting that this account was opened in XXXX which the credit bureaus are aware of now and we are in the process of collecting all data if further action is needed as we have protections under the FDCPA which they have continuously violated. I have sent XXXX letters registered mail to American Express to no avail asking that this information not only is validated with my signature which they can not do because I never signed for anything and this account does not belong to me. My daughter even contacted them to no avail stating that this is her account and does not belong to me to no avail. Which means they continued on XXXX separate occasions to continue to violate the FDCPA which in turn means that they leave me open to Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) and so much more. 
I simply want this inaccurate information removed from all XXXX of my credit reports as they not only have refused to provide me with a correct validation of signature. Looking on a computer screen and seeing a summary of a debt owed does not constitute a legal debt especially in light that this is not my debt and no signature can be provided legally binding me to this erronious account that they continue reporting in error. One look at my credit bureau reports and you will see that I am correct and that this had damaged my credit in a severe way as I have not even had a single derogatory remark, negative item and have had a perfect pay history on time always in over two decades +. American Express has been negligent in following the laws that are in place to protect all of us consumers especially when you fall victim to a credit company such as theirs.
Consumer complaint received 2022-02-16
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. (NC)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I called the Experian after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a account on my credit report which are misleading to me. I sent a letter to the Experian credit bureau XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I included this in my last complain and hoping that this XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00}, 60 days late will be removed.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OR)

I have been trying for the past year to get Nelnet to stop their negative and inacurate reports concerning my Federal student loans. Nelnet has repeatedly refused to stop their negative reports which has caused me great harm as a XXXX XXXX XXXX XXXX XXXXXXXX veteran, currently homeless and trying to secure financing to by a house. 
for 7 years had been on an income based payment of {$0.00}. the last year of the loan prior to the loan being closed ( it should be discharged due to XXXX XXXX VA XXXX ) they required me to pay {$1.00} per month even though my income had not changed and my living situation had become much worse ( homelessness ). i disagreed with their request because i felt as though they were doing this in an attempt to trick me into paying this {$1.00} amount so as to reset the number of years at {$0.00} needed to discharge the debt. At the same time XXXX happened and i felt i was not required to make a payment as my loans were Federal loans. 
Nelnet began destroying my credit by reporting all 5 loans as delinquent. One month i was reported as current... the next 90 days late ( how is it possible to be 90 days late in the span of 30 days? ) They deliberately began reporting me to try and force me to make the {$1.00} payment ( it should have been {$0.00} ) thus resetting the consecutive number of years at {$0.00} so that they would be able to continue to collect on the loans and not discharge them. If this is not an illegal act... it should be. They created a situation so as to coherse me into doing something that was not in my best interest. they continue to report adversely even though the account is closed. i want them to stop causing me undo harm, please.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXXXX/XX/XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ;XX/XX/XXXX
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Debt collection was deleted earlier this year from XXXX XXXX for the amount of XXXX. Debt was sold and re-inserted without any proper notice by mail that it was being sold nor did the 5 day time frame take place. Debt is now appearing again on my credit report from " XXXX XXXX XXXX '' on Equifax and " XXXX XXXX XXXX '' on XXXX for the same amount of XXXX.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tenaglia & Hunt, PA (NY)

Tenaglia and Hunt is the law firm representing XXXX XXXX XXXX XXXX XXXX XXXX is wrongfully reporting debt on my credit... On XX/XX/2023 at XXXX ... New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Number : XXXX - XXXX - XXXX / XXXX Case Name : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Type : Civil Room : XXXX Courtroom ( XXXX ) OUTCOME : DISMISSED BY HONORABLE XXXX XXXX XXXX I have reached out trying to resolve this issue and have not gotten anywhere. This is still wrongfully being reported on my credit due to the case being DISMISSED!!! This is hurting me as a consumer and effecting my credit! To top off this matter, aside from the case being DISMISSED IN COURTXXXX XXXX XXXX XXXX  is outside of the Statute of Limitations defined by law in New York State to collect the above debt claim.