davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (MO)

This complaint involves ( 2 ) companies, XXXX XXXX and their collection agency, Wakefield Associates. I have disputed this account with both originator ( XXXX XXXX and the assigned collection agency ( Wakefield ). Neither has responded. They are " verifying '' the collection account electronically via XXXX and not provided a comprehensive response. 

I am disputing the account because I never received notification of the debt. 

I have requested validation of the debt via the following : provide method of verification ( MOV ), detailed account statement with dates and corresponding medical codes. Additionally, provide TRUE VERIFICATION, what details were used to verify this account, who did they talk to, what signed documents do they have, and how are you all contacting/communicating ( XXXX  and Wakefield ) XXXX 

I mailed certified letters to both and confirmed that they have received both, but still no response. Tracking information is enclosed.
Consumer complaint received 2018-10-07
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: Midwest Recovery Systems (OK)

On XX/XX/2018 I received a notification from XXXX XXXX that a new derogatory account had been added to my credit reports. Upon logging in, I saw that on XX/XX/2018 Midwest Recovery systems had added a new collection account in the amount of {$220.00}. I sent them a certified letter on XX/XX/2018 requesting validation of the debt within the next 30 days and also telling them that they needed to remove the unvalidated debt claims from all 3 of my bureau reports. As of XX/XX/2018, I have not heard anything from them nor has anything been removed from my bureau reports. I was never contacted by them in writing or by phone before they threw this alleged debt collection onto my credit reports causing my fico scores to drop.
Consumer complaint received 2018-10-07
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: Navient Solutions, LLC. (VA)

Sallie Mae has constantly been on my credit report as closed and 120 days past due. They no longer handle my loan but on my credit report instead of taking it off my credit reports they just put transferred in the notes but it still shows up negative closed account on my report. They have removed one or two so I know it can be done.
Consumer complaint received 2023-02-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Mitsubishi Motors North America, Inc. (IL)

I was sent mail from mitsubishi that i had won {$1000.00} dollars. at XXXX on XX/XX/XXXX on the phone, They told if I am came in that they would redeem the ticket. when i got there at XXXX they said that they were no longer honoring it and tricked me into their sales floor. they were rude and inferred it was common practice to use deceptive mailers. 

the mailer even said no gimmicks. 
the phone guy said they would redeem then they acted like i was the XXXX  and said they sent out XXXX winners but only had to pay out XXXX. 

they really were happy at how deceptive it was.
Consumer complaint received 2018-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (OH)

OWR " Qualified Written Request '' I filed a chapter XXXX bankruptcy in XXXX. In the bankruptcy was a home loan it was reaffirmed at a lesser amount than the original amount of the note. The crammed down balance of the mortgage was not petitioned by the investor to be added to the unsecured debt and was therefore discharged at the confirmation of my plan. Ever since then the investor has asked for this money on my monthly billing statements and listed it on several payoff statements. XXXX in XXXX purchased forced place insurance and created a escrow account while this property was under a Federal Stay. XXXX also violated the Debtors confirmed bankruptcy plan by paying off a tax contract that was part of the plan and trying to collect the tax though an escrow account. This investor has now cost me time and money in in excess of the amount of the mortgage just trying to defend my self and keep my home. I am notifying XXXX XXXX XXXX that I do not owe the investor any money because of damages to my company and my credit due to false reporting. I filed a complaint one year ago XXXX and was ignored and told by XXXX  we do have permission to talk to a third party meaning the CFPB. So I filed another complaint giving them permission. Now being contacted by XXXX want to collect a debt one year later REALLY. XXXX XXXX cover up
Consumer complaint received 2018-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (CA)

1. On XX/XX/2018, I sent an initial letter to EOS CCA ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$520.00}.

2. I also notified EOS CCA that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to EOS CCA on XX/XX/2018 at XXXX XXXX. A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for EOS CCA to send me verification of the debt. I havent received anything.

5. The entry of {$520.00} on my XXXX  and XXXX  credit reports is entirely inaccurate, incomplete, and represents a very serious error in reporting.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2017-11-08
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. (FL)

TransUnion is reporting an account with XXXX which they say has a balance and that is not correct. There is no money owed to that company. Please help me.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-01-27
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. (GA)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2022-11-07
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. (CA)

I submitted a letter to the Experian Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 XXXX 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 Experian 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-27
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-08
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: Experian Information Solutions Inc. (TX)

I have recently become an adult and monitor my account like I should. I purchased a XXXX  account which shows the reports for all the Credit Reporting Agencies. As ofXX/XX/XXXX I also purchased the Experian premium service and found that there were to credit cards opened in the name XXXX XXXX one on XX/XX/XXXX and another in XX/XX/XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over 50 XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX P.S there is over 250 XXXX XXXX in a 6 hour radius of where i currently live.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$94.00} 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 2023-05-19
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: Experian Information Solutions Inc. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-02-01
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: CITIBANK, N.A. (TX)

In accordance with the fair credit reporting act XXXX account, has violated my rights.

15 USC 1681 Section 602 Staes I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-27
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. (DE)

Credit bureaus XXXX and Trans union are violating my privacy rights according to the fair credit reporting laws15 U.S.C. 1681-1681x. My bankruptcy was discharged XXXX however it still reads as a open discharge on. XXXX.
Consumer complaint received 2024-03-22
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)

THIS IS NOT A DUPLICATE!!!!! I AM OPTING OUT! 

XXXX XXXX IS PLAYING A SICK GAME, THEY BETTER STOP PLAYING WITH ME BEFORE I WHISTLEBLOW AND REPORT THEM TO THE S.E.C FOR SELLING SECURITIES ON THE SECONDARY MARKET!!!!!!!

I HAVE THE RIGHT TO PUT IN THESE COMPLAINTS AND XXXX WILL NOT STOP ME!!!!!!!!! 

According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 and states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX : The financial institution and the consumer reporting agencies Equifax and XXXX DO NOT have my consent, and they DO NOT have my written consent. Any and all consent to Equifax, XXXX or XXXX XXXX XXXX whether it is verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. ALSO, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting AGAIN WITHOUT MY permission, which is against the law. 15 USC 1684s-2 ( a ) ( 1 ) ( A ) states : 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. 15 USC 1681 ( e ) states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states : " A consumer may exercise the right to opt out at any time. " I AM OPTING OUT OF YOUR REPORTING SERVICES! ''
Consumer complaint received 2022-11-07
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. (NY)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-11-07
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. (NC)

I have been submitting multiple letters from XX/XX/XXXX, to XX/XX/XXXX, with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered unprofessional on the XXXX end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my request should result in immediate removal of the unauthorized items listed below : XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX