davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights and are in error : 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 On XXXX  the credit reporting bureau ; XXXX XXXX acknowledged that they were in receipt of my dispute and were still working on the issues. On XX/XX/2023, I checked my credit report and the above accounts still reflect as a negative mark on my credit report. 
Again this is a violation of my rights under the FCRA 15 U.S.C. 1681 section 602 A which states I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 ; also states that the consumer reporting agency can not furnish an account without my written instructions. 

In my initial request to the credit reporting bureau on XX/XX/2023 ; I requested that the agency provide me proof of my written consent for the accounts listed above to be furnished. I specifically asked for the original contracts and signature, and proof within that documentation that states Im consenting for this information to be furnished. 

As of XX/XX/2023 ; I was never provided that information for any of the accounts referenced above. The inaccurate accounts are doing damage to my credit rating and I demand the accounts to be deleted from my credit report immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this request. 

Thank you for your time and help in this matter.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (CO)

US Bank has frozen my accounts. I have had 4 counts of fraud within the past year and every time I report it I can't get reimbursed or the bank won't help out. They continue to make charges that aren't mine, threatened me and finally froze my accounts. I have tried repeatedly to get help and verify my charges but the bank keeps stealing my money. I don't know what to do and it's cost me dearly.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-11-14
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)

My name 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 2022-11-14
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: EQUIFAX, INC. (NC)

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 2022-11-14
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. (NV)

This is my NUMEROUS request 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2023-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Driveway Finance Corporation (FL)

All financial transactions and records are hidden from me It is my current automobile loan. 
. Unable to access payment dates records or any information related to my loan It shows the minimum information and they do not allow the consumer to have access to any of this information. 
This is in direct violation of consumer protection laws and federal laws under United States code.
Consumer complaint received 2022-11-14
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. (NV)

This is my NUMEROUS request 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX  XXXX XXXX  XXXX Balance : {$1600.00}
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2022-11-13
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)

Please be advised that this is my SECOND WRITTEN REQUEST asking TransUnion to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. TransUnion is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of TransUnions first re-investigation, TransUnion stated in writing that theyve verified that these items are being reported correctly. 
Where are the documents that TransUnion used to verify these accounts? What is the name of the person who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 
What this means is that TransUnion must be willing and able to produce a document in their files that proves the accounts in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law if I file a lawsuit against them. Someone in TransUnion must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged accounts and all that has ever transpired for the alleged accounts, under oath and under the penalty of perjury. 
As I am sure that TransUnion is well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on, and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 
TransUnion have ignored request to provided me with the documents that they have in their files that were used to verify the disputed accounts which means that TransUnion have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA TransUnion is required to promptly DELETE all information which can not be verified.

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 2023-07-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: MoneyLion Inc. (AL)

moneylion has been taking out money from my account after I notified them on XXXX, 2023 after waiting an hour and XXXX minutes to speak to someone I informed them that they had misled me by taking money out of my account since XX/XX/XXXX and every month thereafter totaling XXXX per month for a monthly subscription for XXXX and some CREDIT BUILDER/credit reserve loan I never received ANY LOAN and I was told XXXX on XX/XX/XXXX that I was entitled to many perks because I paid for a monthly subscription, however they said they couldn't identify me and had no way to change that. I called back the next day XX/XX/XXXX and waited on hold XXXX hour to speak to someone named XXXX I informed him that I wanted my money back and that I was paying for a monthly membership and was not receiving and services and if they couldn't identify me how could they identify my checking account at XXXX XXXX to help themselves to my money, that told me that when the supposedly credit builder was a certain level that they couldn't identify me to give me my money??? the funny thing was XXXX informed me that you didn't have to have a membership to receive all of the perks anyway, therefore I demanded that moneylion return my credit builder/reserve to my account and do not take any more money out of my XXXX XXXX  account, and now on XX/XX/XXXX they have deducted more money without authorization. today the total is XXXX plus XXXX in NSF fees and I want my money back in my XXXX XXXX account ASAP this is a very deceptive company
Consumer complaint received 2023-02-09
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (PA)

A chase debit card was opened in my name and I was sent a card to activate. I did not request this and I heard on the news that people in my area were also getting the cards which was determined to be a scam. I spoke to Chase and they are deactivating the accts, but I need to fill out a form they are mailing and file a police report.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc. (NY)

Please consider this a formal Request for Early Exclusion of the Accounts below from my Credit Report. Please investigate and correct inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

2. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

3. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

4. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

5. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

6. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

7. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

8. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

9. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

10. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

11. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

12. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely,
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I am writing to formally dispute some errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified some inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (WI)

I have an escrow account that is set up to pay my property taxes. Property taxes in Wisconsin can be paid in two installments, with the first installment due on XX/XX/XXXX of each year and the second installment due on XX/XX/XXXX. 

I contacted my lender by email on XX/XX/XXXX. Since my loan had recently closed on XX/XX/XXXX, I wanted to be certain that the first installment of property taxes would be paid. The representative assured me that property taxes are paid by the due date. 

I contacted my lender again through their messaging system on XX/XX/XXXX since I could see in my escrow history online that the property tax amount had not been disbursed from my escrow account. I also contacted my lender by phone on XX/XX/XXXX. Both times I was advised to send an email to a " delinquent tax '' email address. I emailed on XX/XX/XXXX. 

Today is XX/XX/XXXX. I have not received a response from the " delinquent tax '' email address, nor have I seen the property taxes disbursed from my escrow account and I can see on the county 's property tax website that the taxes have not been paid. The property taxes were due 4 days ago.
Consumer complaint received 2022-11-14
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Services, Inc. (NE)

I have no idea what the letter is I just received I do not have anything like that I see on the letter it says that I had an account as of XX/XX/XXXX but no I do not have anything like that and it says that I owed XXXX Im receiving the letter and Im really confused stop sending me this letter Ihave never had an account
Consumer complaint received 2022-11-14
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I have no prior knowledge of the debt in question, and to the best of my recollection, I have not entered into any agreement or arrangement with your agency regarding this alleged debt. Given this circumstance, I believe it is within my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request verification of the debt in question. 

As per the FDCPA, specifically outlined in Section 809 ( b ), I have the right to request validation of the debt. This section states : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; and ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. '' In accordance with this provision, I am formally requesting verification of the debt mentioned in your recent communication. I kindly request that you provide the following information : The amount of the debt. 
The name of the original creditor to whom the debt is owed. 
Any relevant supporting documentation validating the existence and legitimacy of the debt. 
I understand that, as per the FDCPA, upon receipt of this request, you are obligated to cease collection efforts until the necessary verification is provided. I appreciate your prompt attention to this matter and look forward to resolving any discrepancies regarding the alleged debt.
Consumer complaint received 2021-02-04
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. (FL)

There is an account that I paid and the collection agency agreed to remove XXXX / XXXX XXXX # XXXX your company has not removed and only updated the settlement payment which is NOT accurate and was NOT what was agreed upon. 

Please remove this remark ASAP