davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against United Revenue Corp for committing identity theft. I have never given United Revenue Corp any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from United Revenue Corp before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If United Revenue Corp can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until United Revenue Corp can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and United Revenue Corp continues its collection efforts, I will file for litigation for actual damages caused and United Revenue Corp will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-03-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is so annoying & frustrating. Ive sent the credit bureau multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In the credit bureauss responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. Please remove this fraudulent account ASAP.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (FL)

I received a bank debit XXXX  card mailed to my prior address and forwarded to my new address. I did not apply for and I did not authorize anyone to apply for this card. Someone applied for this card without my permission or authority to do so. The name noted on the front of the card is XXXX XXXX. I currently have a card from the same bank and advised Cashapp that I did not order this card. This is the second card I have received like this. The Cashapp card is issued by XXXX XXXX
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (ID)

On XX/XX/XXXX XXXX my brother needed an airline ticket and had funds in his friend 's account his friend gave him his debit card number he funded my dad 's cash app account with {$230.00} to buy an airline ticket my dad sent the {$230.00} to me and I bought the ticket from XXXX XXXX return XXXX a lot and now 4 months later my brother 's friend files a dispute with his bank about the money that went to cash app my dad 's account when my dad 's account did not have any money in it with that dispute they saw that the money went to me to my cash app account and they took the money from my cash app account but they could also see that the money went straight from my account straight to XXXX XXXX we've called them and asked them about it and they always tell us is that we can't answer questions about that and hang up on us my dad never filed a dispute like it says on my messaging from cash app saying that XXXX XXXX filed the dispute on this charge he did not file a dispute he does not have an account with XXXX he only banks with XXXXXXXX XXXX cash app is telling him he needs to call his bank and find out what's going on his bank don't know nothing about it as I said he banks with XXXXXXXX XXXX XXXX will not talk to him because he does not have an account there they zapped my account for {$100.00} and they tried doing it again for {$130.00} when they couldn't get it out of my cash app they went to my chime account and try to get it out of my XXXX account with no warning no nothing just a text message seconds before they took money out of my account and how can they use my dad 's name saying that he filed a dispute when he did not he knew nothing about it that's another thing of fraud I just want my money back from cash app that they took to begin with my brother had all the permission in the world to access that account the gentleman gave him the debit card
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been going back-and-forth with Transunion for months because Ive been suffering because of the inaccuracy though wrong for accounts that are listed on my credit report I filed complaints directly with them. I have called them. I have mailed them IDs Social Security proof of address I dont know what else you could ask from me but, I even had to go to the point of actually writing out the letters printing out copies of my ID credit report police report sent it to them be a verified mail which I have proof of which I will upload in this company and they continue to break the law I continue to CFPB and you do nothing about it also so Im gon na do this one more time and hopefully you guys get your ducks in a row. If not, I will be approaching an attorney and I will sue both Transunion and the CFPB for fully reporting and allowing a consumer agency to report in accurate information on my credit report which has been damaging me. The following accounts need to be removed from my credit report because they are inaccurate not mine under. I dont know whose name and unverifiable I am requesting proof how do you verify and I did nothing these are the following accounts that are in accurate and I need them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am do not have the account numbers but its clear we all know what counts I am talking about so I demand that this gets rightfully fixed these accounts get removed or Im getting a lawyer
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I was incarcerated from XX/XX/XXXX until XX/XX/XXXX, upon my release it was discovered that my identity had been stolen during my incarceration. This person had access to all of my personal information including bank accounts and credit cards. I notified the bank of the situation and they did an investigation, I was later notified that the monies transferred from my account would not be reimbursed because they do not believe there was a fraud involved. I have legal documents to prove that the transactions could not have been made by me as I was incarcerated, the bank did not allow me to prove this to them by asking for such documents. I am currently out {$1300.00} from my checking account.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
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. (IL)

Saw a fraudulent hard inquiry and contacted the company XXXX XXXX  ). I was told they would send a dispute letter which they have not. I'm trying to dispute the hard inquiry.
Consumer complaint received 2022-05-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

I first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than 15days which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. 

IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.
Consumer complaint received 2022-05-25
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX  XXXX  XXXX Account # XXXX XXXX XXXX XXXX, Account # 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 a account without my written instructions
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-11
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX 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
Consumer complaint received 2022-05-25
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: EQUIFAX, INC. (CA)

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

15 USC 1681 Section 602 States 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 not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-05-25
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. (CA)

In accordance with the fair credit reporting act XXXX XXXXXXXX acct XXXX, XXXX  acct XXXX violated my rights. 

15 USC 1681 Section 602 States 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 not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-05-25
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. (FL)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$760.00}
Consumer complaint received 2023-03-10
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$29000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXXXXXX Balance : {$29000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$29000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$4800.00}
Consumer complaint received 2015-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (IN)

I had an account with XXXX phone service in which we did not receive signal on the phones. I ( and everyone on my plan ) complained to the company in store several times, as well as on their company phone number and were told they were working on the towers so it would be resolved soon. After a couple months with no resolution we asked them to close the account. In which case they sent us a bill for canceling the account and then some. I disputed the bill in writing several times and had yet to receive any response to the matter. Now I see that this is on my credit report and I wish to see an investigation into this as I do not feel I should have to pay for service that does not work nor pay to cancel such service. 
Thank you.
Consumer complaint received 2022-04-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RAB, INC. (CA)

I received an email SUBJECT - UCC Violations, Solvency, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, Case No : XXXX, Balance {$16000.00} - dated XX/XX/2016 In this email there were 11-12 different emails Most, I have no association with, in the email, there are 5 attachments containing my personal information and address. There threatened me with the following : File a Notice of Default against your Brokers License with XXXX as well as with the California Attorney General according to Uniform Commercial Code 9-607b ( 2 ) a, which could result in a fine or loss of license. 
* Contact Title Companies and Title Attorneys to serve UCC1 & intercept any current and/or future commission due to you and/or your brokerage until the balance is cured. 
* File a complaint with the California Attorney General for Fraudulent Receipt according to Uniform Commercial Code 5-502 to 5-511, which could result in a fine. 
* Add additional collection and recovery fees according to Uniform Commercial Code 9-607 ( d ). 
* Contact XXXX  as well as with the California Attorney General to advise of possible FRAUD AND FALSE STATEMENTS by Concealment of assets from conservator, receiver, or liquidating agent according to Title 18 Part 1 Ch.47 1032 ( 3 ), which could result in a fine and/or up to 5 years imprisonment. 
* File a complaint against your Brokers License based on Realtors Code of Ethics & Standards of Practices.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

An According with the Fair Credit Reporting Act Convergent XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX Date opened XX/XX/XXXX, XXXX XXXX account # XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the Rights to Privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

I have been trying to pay my loan off to the XXXX XXXX XXXX for the last couple of years. I have called numerous times and constantly keep on getting that my loan has been sold to different debt collectors which keeps causing me to wait and once I get back in touch the loan is sold again to another collector I really need help because they are making it impossible for me to pay off my loan.
Consumer complaint received 2022-05-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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