davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2021-07-07
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: JPMORGAN CHASE & CO. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2023-06-29
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. (MI)

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2014 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX  XXXX XXXX Balance XXXX {$1600.00}.
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This debt is not mines. This company keeps reporting on my credit report and it is a violation of my rights. Please remove immediately as these accounts are not mines. Show me a wet signature to validate that this is my account. You won't be able to because they are not mines. It is against the law to report erroneous accounts. I will sue if this is not deleted immediately.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

So fast forwarding to today ( XX/XX/XXXX ) these 3 ILLEGAL accounts still remain on my XXXX, TransUnion, and XXXX bureaus. Not only are these accounts ILLEGAL, they have the nerve to keep reporting failed payments as of XX/XX/XXXX which keeps DRASTICALLY dropping my credit score. This is beyond illegal. Please remove these items off my credit report. I will not stop disputing! For someone to keep opening and reclosing and account on your credit bureau that is FRAUDULENT does a LOT of damage to your score. Please remove these items ASAP. The opening and reopening of fraudulent accounts, with added remarks is ridiculous. I am STILL going through a NIGHTMARE after these FRAUDULENT accounts were opened in my name and the creditor feels they can reopen anytime when its FRAUDULENT! They are reporting to my bureaus as LATE PAYMENTS on XX/XX/XXXX FOR THESE ACCOUNTS that were illegally opened without consent and the re-opening and closing of these accounts WITH UPDATING INFORMATION SAYING THAT PAYMENT IS LATE AS OF XX/XX/XXXX WHEN FOR THE LAST 120 DAYS I'VE DISPUTED AND TOLD YOU THESE ACCOUNTS ARE FRAUDLENT!!!! THE LAST 4 MONTHS I KEEP GOING THROUGH A NIGHTMARE. SHOULD NOT BE ABLE TO KEEP DOING THIS TO A CONSUMERS REPORT! ITS LIKE THEY DONT CARE. PLEASE REMOVE THESE ITEMS!! 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TN)

I received a phone call at XXXX XXXX  from XXXX XXXX XXXX XXXX from someone claiming to be on a recorded line. I hung up but called back later to figure out who the call was from and was told I reached TRANSWORLD SYSTEMS INC. I can only assume this call was regarding an alleged debt ; however, I have received no mailed correspondence. I am writing this complaint as my formal written request to Cease and Desist all calls. As required by FDCPA, TRANSWORLD SYSTEMS INC. was supposed to send a written debt validation notice with information about an alleged debt it is attempting to collect. That written notice must be sent within five days of the first contact.
Consumer complaint received 2021-07-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the XXXX CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requestingsome accommodations so I care to protect the integrity of my credit file.XXXX  XXXX XXXX  XXXX # XXXX account is reporting XXXX, DAYS LATE XXXX XXXX XXXX XXXX  # XXXX account is reporting XXXX, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. 
I have some inquiries that I do not recognize from the following XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX, XXXX XXXX
Consumer complaint received 2021-07-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC (NM)

On XX/XX/XXXX XXXX XXXX XXXX received a payoff letter from Novad stating the total partial claim amount was {$15000.00}. Novad had two liens, XXXX in the amount of {$6100.00} and XXXX in the amount of {$9700.00}. XXXX is requiring that the payoff letter states that both liens from XXXX and XXXX be released with a total payoff of {$15000.00}. XXXX says that they have had experiences with Novad in similar situations where Novad had come back to collect on undocumented liens. I have tried changing title companies and this issue is a roadblock and non-negotiable. No one wants to be liable. 
Between XXXX and myself we have contacted Novad by email or phone call 11 times. My calls have been escalated from the call center multiple times. I have been connected with the help desk who have sent emails to upper management and Novad. I have asked to speak to upper management and was told they are not available me. I was told that the only thing I can do is call back every 5 business and they would send an email to Novad on my behalf. 
On XX/XX/XXXX Novad sent me a duplicate payoff letter without any requested clarification or communication from the company.
Consumer complaint received 2021-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am a federally protected consumer and you have violated my consumer protection laws by stating I owe you a debt and sending my personal information to the consumer reporting agencies. 
Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ). 
Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit. 
When I entered into the consumer credit transaction with you, I extendedly credit using my credit card XXXX social ). Everything was supposed to come out of my OPEN END CREDIT PLAN which is coming from my social security account. 
Pursuant to 15 USC 1692a ( 4 ) Congress defines creditor as any person who offers or extends credit creating debt. 
Due to the fact that I extended my credit to you using my credit card ( social ) I AM THE ORIGINAL CREDITOR! Not you. You are a debt collector. Congress used the word PERSON, not corporation. This immediately rules out the possibility of you being the ORIGINAL CREDITOR. Bankruptcy laws and other case laws through Supreme Court title 12 USC banks cant lend credit.

Pursuant to 15 USC 1692a ( e ) Congress defines person a natural person or organization Pursuant to 15 USC 1692a ( 6 ) Congress defines debt collector as any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attend to collect, directly or indirectly Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. 
( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt. 
I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.
Consumer complaint received 2021-07-07
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. (TX)

TransUnion PROVIDED MY CONSUMER REPORT TO THE BELOW LISTED ENTITIES WITH MY CONSENT. 

Name Requested On XXXX XXXX XXXX via XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Equifax,   XXXX   and  XXXX . I would like to see my credit updated correctly. Tax lien remove, no scores decline after submit  Dispute and Inquiry s top going into my credit report.
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (IL)

I received a call from Dynamic Recovery Solutions. The companys URL is XXXX XXXX XXXX and their phone number is XXXX XXXX XXXX XXXX. I dont have any hospital, collections, or past due student debt. Can you help with this?
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

XXXX XXXX  did not provide the service they promised me when I opened the account. The XXXX service had 0 signal in the area where I live. Because of that, I decided to close the account the same day it was opened. XXXX also has a 14 day trial period for customers to try out their service before committing. I called the XXXX company to cancel the account and because I cancelled the service the same day it was opened, the XXXX representative told me they would not charge my card and no fees would be involved. Now, after checking my credit report, I see a collection from the XXXX account that was opened 2-3 years ago. 

I disputed with the 3 Major Credit Bureaus and they did not assist me since the claim I made to the Bureaus was made electronically. The collection is still on my credit report.
Consumer complaint received 2021-07-07
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. (MA)

Days ago a current credit account I have was closed based on wrongful information on the attached Trans Union credit report dated XXXX. This information is marked on the attached showing a high balance of {$8400.00} from XX/XX/XXXX -- -through XX/XX/XXXX. 

This is impossible!!! until XXXX of XXXX my credit limit was only {$1100.00}. In XXXX of XXXX was increased to {$8000.00}. This report shows my high balance was as stated above is INCORRECT and has caused my other credit account to be closed based on this wrongful information. I have had this account since XXXX and never missed a payment. 

I have Never gone over my credit limit EVER. In XXXX my credit limit was increased to {$8000.00} and I have not ever gone up over it!! nor ever at any time since I opened this account in XXXX. 

.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I contacted Capital One on XX/XX/2021 and notified them of the 980 violations of my rights as a consumer when communicating with me via telephone, email, and standard mail pursuant to 15 USC 1692 ( b ), ( c ), ( d ), ( e ), ( f ), ( g ), ( h ), and ( k ). I sent them an Affidavit of Truth, Cease & Desist, and an invoice for them to pay for violating my rights 980 times. I also notified them of the fact pursuant to 15 USC 1692 g ( c ) that my paying on a fraudulent " debt '' before knowing my rights as a CONSUMER does and did not validate the debt or the fraudulent contract that is now null and void due to being established under false and misleading representations pursuant to 15 USC 1692 e. I provided Capital One with an invoice pursuant to 15 USC 1692 k that states each violation is considered actual damages and worthy of {$1000.00} per violation. That's {$980000.00} in violations alone. Now, before sending off this recent packet of documents, I sent them a Validation of Debt letter and they responded without providing an original agreement and could not produce a page with a wet signature, which is a violation of my rights and fraud. Additionally, I notified them of the fact that they were violating my rights pursuant to the FCRA by reporting this account to the credit bureaus without my express written consent. pursuant to 15 USC 1681 b ( 2 ). I demanded they remove my information from any 3rd party sites, companies, and credit bureas unless I expressly consent in writing.
Consumer complaint received 2021-07-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (NJ)

The attached exhibits clearly display each violation of federal law against my consumer rights that Fed Loan Services has committed and if I did not send a cease-and-desist letter on XX/XX/2021, Fed Loan Services would have continued to violate my consumer rights in regard to an alleged debt. I am the original creditor of this consumer credit transaction and am the only one who could validate this alleged debt. This alleged debt is not mine nor does it belong to me but instead my social security number assigned to me as a natural person was used for fed loan services to have a line of credit extended to the corporation. Fed Loan is the debtor/borrower for the referenced accounts mentioned in the attached exhibits. Fed loan Services also has been sharing my information with XXXX parties that were not involved at all with the initial consumer credit transaction which also violates federal law. Fed Loan Services has caused much pain and hardship for me and my family as consumers and they must be stopped before Fed Loan Services continues to violate other natural persons consumer rights. The referenced Fed Loan Service account # : XXXX should be deleted from all XXXX of my credit reports ( XXXX, XXXX, XXXX  XXXX and monetary damages detailed in the attached Bill of Particulars should be paid within 30 days of receipt of this demand letter. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete, and relevant information has not been omitted. If this demand for violating my rights through perjury of law is not acknowledged and rectified upon receipt or within 30 days, I will proceed to file required legal documents along with my legal counsel to pursue this matter within the state/county court that I reside in.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NY)

DIVERSIFIED ADJUSTMENT IS REPORTING TO THE 3 CREDIT BUREAUS AN ACCOUNT THAT DOES NOT BELONG TO ME XX/XX/2020 ITS REPORTING AND PREVIOUS UPDATED ON CR AS VERIFIED. PLEASE REMOVE ACCOUNT ITS NOT MINE. letters have been sent out to company previous to this with no resolution other then to verify information and for it to stay on my reports. No balance is reporting
Consumer complaint received 2020-12-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. I according to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.
Consumer complaint received 2021-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had written dispute to the bureaus XXXX, XXXX  and TransUnion regarding several inaccurate accounts that does not belong to me. Those accounts are not authorized and done without permissible purpose. Up to date I have received no response nor proof that the alleged accounts belongs to me. These erroneous reporting badly hurt my credibility to obtain a fair credit. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information they are reporting.
Consumer complaint received 2020-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

In XX/XX/XXXX I contacted Citi to close my Citi Premier Card due to the annual fee. Given that everything has changed due to covid, I thought I should save that {$95.00} rather than pay the bank. While speaking via phone, the representative offered me a deal/offer : If I spend $ XXXX/month, for three months in a row, Citi will refund the charged annual fee. Given that I like the card, chose to accept the offer, I even thanked the rep For offering me that. Offer was active from XX/XX/XXXX to XX/XX/XXXX. I did spend the required amounts, yet the annual has not been refunded. I have contacted Citi a few times via phone and via Chat ( message us tool at citi mobile app ). Via phone I have spoken to : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and the Last time I spoke via phone was on XX/XX/XXXX, first with a rep called XXXX, then with a supervisor named XXXX. -XXXX  confirmed that I have completed the required spending, therefore I will get the fee refunded at the end of the cycle XX/XX/XXXX. It did not happen. The chat reps were absolutely incompetent ( last conversation tonight XX/XX/XXXX XXXX with XXXX  ). 

Today, 6 months after Citi promised and offered the deal, ( I paid the {$95.00} annual fee in XX/XX/XXXX ) I am writing to you due to their irresponsible behavior. They should have let me close the account, not lie to me with an offer or promise they did not intend to fulfill!
Consumer complaint received 2017-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I paid off huntington bank in 2013 XXXX.they people from the XXXX XXXX keep saying I owe XXXX I talked to a guy there he said do n't worry about it he 'll make it a charge off.they do n't send me a letter or anything.there number is XXXX