davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga [ XXXX ] Experian XXXX XXXX XXXX XXXX, TX XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verficiation of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

American Express currently has a JUDGEMENT against me, but my question ( or complaint ) is that the credit information XXXX social security number, income, employment info, etc ) used to obtain the credit card was my husband 's and NOT mine. As a FULL-TIME CAREGIVER who had not worked outside the home for decades at that point in time, I was happy with my " pay in full '' every month basic Green Card that I'd had for over 20 years when the high pressure American Express sales agent called giving us the sales pitch, catching my husband 's ear with the promises of low interest and free balance transfers. I told them I would NOT qualify as I had NO INCOME and had not had any for since XXXX. They asked how we paid our bills and my husband said " obviously on my income '' and they proceeded to take HIS INFORMATION. But rather than giving HIM a card they upgraded MY CARD including doing BALANCE TRANSFERS from his other credit cards to my card, with an open credit line of {$25000.00} ( for a person with XXXX personal income ). My husband did pay this account for on time for years, but when the recession hit and he lost his business in XXXX I was the one stuck with a debt I HAD TOLD AMERICAN EXPRESS I COULD NOT QUALIFY FOR OR AFFORD right from the get-go. Flash Forward to today : My husband and I are separated ( yes, the debt was the straw that broke the camels back ), and he nor I had the means to pay this account, and American Express would not grant any payment plan options at all, and instead took me ( and me alone ) to Court in XX/XX/XXXX winning a JUDGEMENT against ME. I am now working a part time job earning just a bit above minimum wage, XXXX XXXX XXXX and am struggling to get by, and with the JUDGEMENT also living in fear. Again, this account was given based on my husband 's income, credit, and social security, nothing to do with me, but the debt is mine -- -all mine? My question is -- -is this, was this, LEGAL?
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Once more, this 2nd submission of my complaint was to follow up to the XXXX, XXXX and TransUnion Credit Bureaus the assistance for help to have several unauthorized credit inquiries properly investigated and removed if not verifiable from my credit report. I received a copy of my credit report and noticed that there are eleven ( 11 ) unauthorized inquiries listed. The unauthorized inquiries are listed below : XXXX : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

XXXX # XXXX, XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX # 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 an 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.

I SENT IN LETTERS TO DISPUTE THE CLAIMS TO THE CREDIT BUREAUS. THE CERTIFIED MAIL RECEIPT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX. I AM INCLUDING THE CERTIFIED RECEIPT NUMBERS BELOW FOR ALL CREDIT BUREAUS I SENT THE INFORMATION FOR DELETION TO.
Consumer complaint received 2017-07-17
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blitt and Gaines, P.C. (IL)

Blitt and Gaines, LLC of  XXXX  Illinois placed and illegal garnishment on my wages using false statements and document from th e Circuit Court of    XXXX   County, Illinois. They have included form that are not legal court documents. The amount is   XXXX   for a student loan that list   XXXX   XXXX   XXXX  ,   XXXX   XXXX   (   XXXX   ), and   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   as collectors.Then garnishment start date was   XXXX    XXXX , 2015. I have the court document to support the illegal garnishment.
Consumer complaint received 2017-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (TN)

I had a   XXXX   XXXX   while I was under wage earner. The loan was with drive financial. The name changed to Santander through the courts. Case number   XXXX   XXXX  . These changes were made without my knowledge in  XXXX . My   XXXX   XXXX   was totaled on XX/XX/XXXX . I 've submitted the police report number. I just found a copy Of The credit report that I filed in  XXXX . I found the account number for Santander. I was discharged in  XXXX  from the above case number. When I learned that I am a victim of identity theft. I changed my name in probate court to reflect my maiden name, which is  XXXX . I kept my married name, it 's  XXXX . The   XXXX   Family have stolen my identity.
Consumer complaint received 2023-07-25
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. (GA)

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 


account number Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
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. (MO)

This is my several request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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. (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 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. XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX BANK XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$180.00}, and XXXX XXXX BANK XXXX Date Opened XX/XX/XXXX XXXX : {$0.00}. Also these inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX BANK XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These are not my addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I am writing to highlight issues faced during MOHELA 's transition to a new portal, which prevents borrowers from making payments during the blackout period. Unlike my recent experience with my mortgage being transitioned to XXXX XXXX transitions did not halt payments, MOHELA 's approach not only blocks payment submissions but also continues to accrue interest, disadvantaging those of us trying to make additional payments. 

I request your intervention to encourage practices allowing payments during such transitions or to prevent interest accrual in blackout periods, aligning with borrower-friendly standards seen in other loan servicing transitions.
Consumer complaint received 2022-11-26
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. (CA)

This is my multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-25
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. (OH)

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 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I mailed a dispute letter to TransUnion. They mailed me a letter suggesting I didnt mail it. I personally mailed and certified my dispute letter. I have the tracking receipt to prove it. Please contact TransUnion to confirm I sent this letter
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX tracking number letter delivered XX/XX/XXXX I sent a certified letter telling XXXX too fix my credit report XX/XX/XXXX and to remove items that aren't me or shouldn't be on credit report and it's now XXXX and still nothin has changed I'm a victim of identity theft and want my credit to be in order I can't even get a XXXX card XXXX nothin business credit card anything at age XXXX and it's ridiculous. I have sent them a list of inquires that aren't mines and I wanted removed immediately due to the fact I never signed up or gave any company my permission to post anything on my credit report those inquires are fraudulent and don't belong too me I have sent more then one letter I actually sent 3 letters to each credit bureau and it has got me no where also I have a loan from money lion on my credit report that I have paid in full XXXX dollars that is still displaying I owe them money I have my receipts and evidence to prove I have paid them in full 8 months early hoping my credit score would have a boost they only report every 3 months and it's been 3 months and my last report there stating my loan hasn't been paid in full but I'm currently paying on time I paid in full in XX/XX/XXXX my balance should be XXXX dollars. Also TransUnion I did the same thing wanted inquires that are fraudulent or I didn't do or ask to be put on my credit report about XXXX inquires of places I've never been in contact with XXXX is the tracking number which my letter was delivered to TransUnion XX/XX/XXXX and nothin has been cleaned up. Also it's been over two years for most inquires hard and soft that should by law already have been taken off my credit report that these credit bureau are still keeping locked on my report and I want them all removed my letter or time plus money I've spent sending them letters to fix my credit wasn't a joke and I demand to be taken seriously thank you
Consumer complaint received 2023-02-27
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. (NY)

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. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : # 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 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 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (FL)

On or about XX/XX/XXXX. I attempted to deposit a cashier check from another bank to pay off a car loan. The branch never contacted me to inform me there was an issue. When I contacted the branch about my funds they said the check was no good. If I went to the branch they could take care of the situation. Upon arrival they said they already overnighted the check me. It took approximately another week to get a certified copy of the check not the original back. Because of this I incurred interest from the original loan.
Consumer complaint received 2017-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

On  XX/XX/XXXX  an account was reported as being opened by commonwealth financial with an amount being owed of {$920.00} I then sent a validation of debt letter via certified mail on  XX/XX/XXXX  which in return I received a letter back from them dated  XX/XX/XXXX  stating that commonwealth financial systems, inc. Has closed and returned the above referenced account to our client,   XXXX   XXXX   XXXX  . They also stated CFS will send a deletion update to the   XXXX   major credit reporting agencies in which they have not.
Consumer complaint received 2023-05-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me. Its been more than 30 days and have not received the investigation status or results gives a reason to immediately remove