davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (VA)

I recently began receiving emails from a company called " National Credit Adjuster '' regarding a debt for {$1200.00} owed to them by XXXX XXXX. I have no idea who XXXX XXXX is, nor do I know who this company is. However, I'm getting more & more emails about this debt, each one increasing in severity. The latest email is below : -- -- -- -- -- -- -- -- -- -- -- -- -- -- Date, XXXX, XXXX, 2021 XXXX XXXX, XXXX XXXX XXXX, XXXX Address, XXXXXXXX XXXX XXXX XXXX XXXX City, XXXX XXXX State, NC XXXX XXXX XXXX My name is XXXX XXXX XXXX From National Credit Adjuster, I want to inform you that there is a case file on your name in the amount of {$1200.00}. 



Case file No : XXXX As you are aware, you have a large printing debt of {$1200.00} that remains unpaid. We have given you more than enough time and every chance to resolve this matter outside the courthouse but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you, we have repeatedly advised you of your long overdue balance in the amount of {$1200.00}. Since you have not made payment we have turned your account over to our attorneys and instructed them to commence suit without further delay. However, our company would prefer to give you one last opportunity to make payment and avoid legal action, if you want to settle your account outside the courthouse, you have to pay back the settlement amount within the next 24 hrs. Please contact us at the earliest, if we do not receive your communication or the amount you will have to face the consequences. 



Once again : this is the last chance resolve this matter without any legal proceedings. 





If once your case file gets downloaded inside the courthouse then you must pay {$15000.00} inside the court house including Court fees, Judge Fees, your bail charges, your attorney charges, extra late fees Penalty fees & interest and lots of more. Finally, your name and Social Security Information would be reported to the major credit bureaus of US, it would be affecting your FICO scores and your social security number would be black listed. 



Bankruptcy filings can be listed on your credit report for 10 years. Most other debts can be listed for 7 years. ( M.G.L. c. 93, s. 52 ). 



If your credit is bad, you can work towards building good credit. 



( 1 ) Pay back the debt you owe.

( 2 ) Do not borrow money that you can not pay back. 



Your case file will be presented inside the court house on XX/XX/2021, Now I want to know that do you want to resolve this matter outside the courthouse or submit your case file inside the courthouse. 





Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse, Thank you. 



Sincerely, XXXX XXXX NATIONAL CREDIT ADJUSTER ( HEAD OFFICE ) XXXX XXXX XXXX XXXXXXXX, XXXX, Alabama XXXX,
Consumer complaint received 2023-06-01
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. (MN)

In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have violated my rights under 15 usc 1681 sec 602 states I have the right to privacy. 15 usc section 604 a it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Between XX/XX/2022, through XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX and XXXX  which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firms.
Consumer complaint received 2024-03-28
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. (NC)

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 2023-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (MD)

national XXXX XXXX has been reporting inaccurate information on my credit report. My identity was stolen and as a result, false inquiries, was made on my behalf. This account, is a brought debt, so the company doesnt own the debt.15 USC 1981 XXXX Numerous disputes were filed, with no results
Consumer complaint received 2021-07-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (MI)

To whom it may concern : RE : Santander Consumer USA Predatory Lending PLEASE DELETE IMMEDIATELY Account # XXXX SS # XXXX Santander Consumer USA has recently settled in a 33 State Class Action Lawsuit for Predatory Lending Practices. In the settlement, Santander agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions going back to XX/XX/XXXX through XX/XX/XXXX. They continue to report this account and derogatory information to all the credit bureaus XXXX, XXXX, XXXX  and XXXX. They have continued to report a charge off with amount past due and continue to update this account on my credit. This is a VIOLATION of the Settlement Agreement. I have continually contacted Santander and the bureaus. They have failed to remove the account. I demand that this account file be deleted from all credit bureaus and all collection efforts cease and any and all information regarding this file be sent to all the credit agencies and be removed immediately! I have attached a copy of the FINAL CONSENT JUDGMENT from the State of Michigan for Santander 's 33 State Class Action Settlement for Predatory Lending and from the Michigan Attorney General.
Consumer complaint received 2024-03-28
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. (NJ)

I sent a letter out to the 3 credit reporting agencies XXXX, XXXX, and Equifax on XX/XX/XXXX requesting they stop reporting certain information. To date the accounts are still reporting and I have not heard back from XXXX XXXX. I want this matter resolved asap.
Consumer complaint received 2022-11-15
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. (AZ)

Equifax dropped my score XXXX points from XXXX accounts that was opened in 2020. These accounts ware reported opened in 2020 when they were originally opened and has since been on my credit in good standing and has reported every month since 2020! These accounts should NOT have affected my score unless they were in bad standing! I feel as though Equifax is targeting my credit from my previous complaint!
Consumer complaint received 2023-06-01
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. (OK)

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. 

The letters are stated with items and issues. 

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 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

See my previous case ( XXXX ). I have mailed in the requested documentation to Equifax MULTIPLE TIMES by certified mail, and they STILL will not lift my security freeze. There is no office to visit to escalate this, there is no human being on the other end of the customer service line there is just the same letter being mailed to me in response to me mailing all of my documentation, at my own expense via certified mail, stating that Equifax will not lift my freeze. THIS IS ABSOLUTELY BLATANT FRAUD.
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... When I investigated my credit report, I realized that some of the information was erroneous. The Transunion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, please investigate the unverifiable item/accounts/information below:XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-01-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Braviant Holdings, LLC (CA)

Some time in XXXX of XXXX, I received an alert on my credit report that I had a collection from a company I have never heard of. 
I called the number listed. It is XXXX XXXX XXXX. They said a debt was sold to them by a company called SunUp Financial LLC. I called them and they had no information for me. They said they could not provide me any documentation and that I had to call XXXX again. So I called XXXX again and they had nothing to provide me but an account number and a strange copy of payments due for some type of loan that is not mine. I begged them to provide me the amount, how did I get the money, something with my signature but all they have is some strange docusign paper with the amount of XXXX dollars on it. My name is not even attached. This is apparently from XXXX, and I have never taken a loan for XXXX ever! I even had my bank XXXX go through with me all any any deposits or money from this company or any company in this amount and nothing. I make allot of money and have a good job. There is no way I would ever take a loan for this amount of money. The company XXXX are very rude and every time I dispute this, I get a result saying " We investigated and its staying on my credit Report. '' This is not right. This is not my signature on the attached document. I did not receive any money and I did not take a loan.
Consumer complaint received 2023-08-26
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: EQUIFAX, INC. (MI)

I did not give XXXX XXXX or Equifax consent to share my personal information with any company and place any hard inquiries on my credit report. This is a violation of my right to privacy act. I am asking that all consent forms from each company to be forwarded to me immediately or remove those hard inquiries from credit report.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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 filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the correction of these items from my credit reportUnder Section XXXX, restrictions on investigative consumer reports [ XXXX U.S.C. XXXX ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The accounts that should be adjusted are as follows : NC XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-03
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: CITIZENS FINANCIAL GROUP, INC. (CT)

I have sent numerous letters to my mortgage company regarding fraud contract such as po box not contracting venue and 18usc 1341 and 1342 and now my credit is impared. The mortgage is not even in my correct name. For the voidance of perjury, i require correct parse syntax sentence structure. I have all documents. I have contacted the XXXX XXXX XXXX director as well.
Consumer complaint received 2021-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CO)

I found a website and purchased a XXXX XXXX XXXX. I paid through XXXX and was given a tracking number. However when the " package '' arrived it a very cheap phone case. It is clearly not what I paid for ; as I paid {$180.00} for a camera and not for a flimsy phone case. It has been increasingly difficult to get my money back from my bank or XXXX. 
They seem to be siding with the scammer in this instance and it is quite frustrating. I really need some help. 
Since I recieved something, they refuse to re-imburse me, even if it is a cheap phone case. 

I purchased the product on XX/XX/2020 recieved the incorrect product on XX/XX/2020 I tried to open a dispute with XXXX but had no luck as the seller wanted me to send the product ( cheap phone case ) to XXXX! 
I pleaded with XXXX that this is clearly a scam and I proof of not only myself but others getting scammed. 
I then went to my bank as I figured I would have protection from them. I was denied my claim, filed an appeal, went to a branch and gave them my proof to fax to fraud department and denied AGAIN! I am now filing a THIRD appeal but I am not sure what to do anymore. I am so frustrated.
Consumer complaint received 2024-03-25
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX  XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX  Balance : {$60.00} XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX  XXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$580.00} XXXX  XXXX Balance : {$550.00} XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-20
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: Affirm Holdings, Inc (DC)

Affirm Acct XXXX XXXX XXXXXXXX Dispute XXXX XXXX I HAVE ALREADY DISPUTED THIS ACCOUNT WITH XXXX XXXX THIS IS A RE-INVESTIGATION. YOU HAVE 7 BUSINESS TO REMOVE THIS ACCOUNT. YOU MUST CEASE AND DESIST ALL REPORTING, IMMEDIATELY! 

XXXX is assisting companies with breaking consumer laws, by allowing them to make false, inaccurate credit reports. Affirm did NOT provide ANY documented proof that I requested or agreed to obtain a loan. More and more, XXXX is apparently going on these companies ' word, instead of documented PROOF of applications, loan agreements & purchase agreements. 

Because the requested documents DO NOT exist, I order you to CEASE AND DESIST reporting to my credit reports, starting TODAY, XX/XX/. Any further reporting is classified as harassment, breaking Federal and state & laws, as well as violating my consumer rights. 

In my XXXX Credit dispute report # XXXX, Affirm FAILED to provide the following requested documents, because They DO NOT EXIST : XXXX. The dated and signed loan application with my wet signature. 

XXXX. The dated and signed loan agreement with my wet signature. 

XXXX. The original purchase agreement that shows I am the legal owner of this alleged debt to include all terms and conditions that are included in this purchase agreement. 

Since you did NOT provide ANY of these documents, I requested that you remove this acct from my XXXX  credit report. Since you refused to remove this account, NOW I AM ORDERING YOU TO CEASE & DESIST ALL REPORTING TO MY CREDIT REPORTS IMMEDIATELY & PERMANENTLY.