davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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. (ME)

An account was opened without my knowledge or consent sometime in XXXX or XXXX with XXXX XXXX XXXX. I never opened this and I was working outside of the United States as a XXXX. This fraud was revealed during a required security clearance check. XXXX XXXX refused to correct their mistake which is clearly a violation of the Fair Credit Reporting act. In act they, and their Collection agency has told me to " pay or die! '' This was an agent at XXXX who then proceeded to call my father and demand double what they are reporting! They " skip traced '' and began threatening my XXXX XXXX XXXX father saying he was liar and that he was me. XXXX XXXX XXXX and XXXX XXXX clearly violated the Fair Debt Collections Practices Act. Their mistake will cause me to lose my security clearance any my job.
Consumer complaint received 2024-02-20
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. (GA)

In accordance to the fair credit report Act : this creditor has violated my rights under 15 USC1681 section ( a ) ( 4 ) which states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] states : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE REPORTING COMPANY WRITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED.
Consumer complaint received 2022-11-11
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. (ME)

An account was opened without my knowledge or consent sometime in XXXX or XXXX with XXXX XXXX XXXX. I never opened this and I was working outside of the United States as a XXXX. This fraud was revealed during a required security clearance check. XXXX XXXX refused to correct their mistake which is clearly a violation of the Fair Credit Reporting act. In act they, and their Collection agency has told me to " pay or die! '' This was an agent at XXXX who then proceeded to call my father and demand double what they are reporting! They " skip traced '' and began threatening my XXXX XXXX XXXX father saying he was liar and that he was me. XXXX XXXX XXXX and XXXX XXXX clearly violated the Fair Debt Collections Practices Act. Their mistake will cause me to lose my security clearance any my job.
Consumer complaint received 2019-06-28
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. (CA)

XXXX  and Transunion are reporting incorrectly lates on the XXXX XXXX partial account number XXXX. ( Please see pages 6 - 8 of the attached credit report. ) I applied for a loan modification and got behind on payments. I was then in a position to make multiple payments only to have the payments sent back to me. I was not aware that they would not accept partial payments. In the middle of trying to get the payment situation straightened out, my loan was sold without any notification to me. I was told that I would be able to make partial payments and get all payment caught up, however this was not true. Consequently, since the payments I made were not applied, I was zapped with late payments. This incorrect reporting is harming my credit score. Please delete these late payments from my credit report.
Consumer complaint received 2022-11-11
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. (ME)

I never opened this account. It was opened by somebody without my knowledge or consent. I work as a XXXX in the XXXX XXXX, and I learned about the fraud from a problem with my security clearance. Please remove and correct my history. This is a fraud account that does not belong to me. I am in jeopardy of losing my job and security clearance over this error in reporting. The account listed against me is : XXXX XXXX account number xxxxxxxx XXXX Date opened XX/XX/2015 This was not my account ever. Please remove it.
Consumer complaint received 2022-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (RI)

I used my credit card to send payment through Venmo on XX/XX/XXXX in the amount of {$3600.00}. That payment was returned to my Venmo balance, minus the {$100.00} fee Venmo charged. I then transferred the balance from my Venmo account to my verified bank account but Venmo is not releasing the funds. 

I have used the same Venmo account since XX/XX/XXXX. I have also kept the same email address associated with that account since then. I have also verified my identity, verified my bank account, and sent photo identification when requested by Venmo.
Consumer complaint received 2022-05-18
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. (GA)

I HAVE DISPUTED WITH XXXX BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES XXXX BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Consumer complaint received 2022-11-11
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Columbia Debt Recovery XXXX you have broke the law! You have shared & used my non public personal information without my consent. I have not disagreed to pay you, however, I have requested the proof of this claim you have against me. I have requested that you provide me with verifiable proof, and You Columbia Debt recovery have failed to provide me with any verifiable proof of this alleged debt. 
I now ask that you provide me with a copy of your XXXX bond issued by a XXXX company authorized to do business in the state of Texas as prescribed by the XXXX XXXX XXXX, as well as a copy of the original contract binding you, Columbia Debt Recovery and I together, A signed invoice, a receipt of the transaction you made with XXXX on XXXX, and a full breakdown of the account ledger. You have 10 days upon receipt to provide me with this information, if you are not able to have this information available I expect this account to be deleted from consumer reporting agencies immediately! I will not hesitate to seek a private right of action should you fail to comply.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act 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 2022-11-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reel Time Capital LLC (ND)

I applied for a {$700.00} loan I fell behind on payments The debt was then sent to reel-time debt collector, who said that the company was threatening to pursue fraud against me saying that I closed my debit card account when in fact there were no communication sent to me through XXXX indicating that there was a problem with the payment
Consumer complaint received 2024-02-20
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. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2019-11-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (TN)

I have a loan with Santander, Account # XXXX, since XX/XX/XXXX. I had a total loss of my vehicle on XX/XX/XXXX. I paid my usual payment in XXXX XXXX. It was applied to my account. My insurance company issued a check to Santander for {$22000.00} on XX/XX/XXXX. Santander did not post monies until XX/XX/XXXX and did not apply monies to principal. They divided it among interest and fees. I had a warranty check ( {$1200.00} ) issued to Santander which they posted on XX/XX/XXXX and applied to principal and interest. If they had applied the total of {$22000.00} and {$1200.00} then I would not owe as much. I have attempted several times to reach a supervisor and accouinting with Santander but unable to after lengthy hold times. At this moment, they are saying I still owe {$600.00} that is valid through XX/XX/XXXX. I believe this needs to be furthered evaluated. I am trying to pay off the reminder of the balance but I feel like the monies should be applied to the principal and not interest or fees becuase more principal that is left the more interest is accrued and more money for them. Look at last image ( 2185 ), after I emailed them they always take off transaction history just like today.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Blockchain.com, Inc. ()

I deposited XXXXXXXX XXXX into Blockchain.com 's interest account last year XXXX. After using their services for till XX/XX/2022, I decided to withdraw the funds and interest earned which were deposited there. To my suprise, they have blocked my withdrawal and not offering a quick solution eventhough the documents requested were submitted to them.
Consumer complaint received 2022-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (CA)

Throughout XXXX I made calls several times a week to be put on hold for hours or just hung up on after being put on hold. On Monday, XX/XX/2022 I was finally put through to an Aidvantage customer service representative who told me that she had officially submitted my request for a refund of my loan payment of {$10000.00} and was told it would take 4-6 weeks of processing. Seeing no movement or updates on any loan balances for 7 weeks, I called again multiple times throughout the 1st week of XXXX and finally reached someone who did not transfer me on XX/XX/2022. They told me it would take 10-14 weeks. I have not seen my balance be updated and have been given conflicting information, potentially setting me up to pay interest on loans I had already paid off in full.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I've sent numerous letters ( from XXXX XXXX ) asking them to investigate several accounts on my credit report. They came back as verified and when I pulled the updated copy of my report it still showed numerous inaccuracies. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2022-11-11
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. (OH)

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 has violated my rights. Creditor. Date 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. XX/XX/XXXX Have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-30
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. (FL)

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, has violated my rights.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-18
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. (MO)

I have been i victim of identity theft and these companies are affecting my credit report. 

XXXXXXXX XXXX  credit card opened XX/XX/XXXX, balance {$540.00} XXXX XXXX XXXX XXXX  balance {$0.00}, opened on XX/XX/XXXX. 

XXXX  balance {$0.00}, opened on XX/XX/XXXXXXXX XXXX XXXX XXXX balance {$95.00}, opened on XX/XX/XXXX XXXXXXXX XXXX accoun # XXXX, balance {$1600.00}, opened on XX/XX/XXXX XXXX has been filed at identitytheft.gov see attached file.
Consumer complaint received 2022-05-18
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. (MO)

I have been i victim of identity theft and these companies are affecting my credit report. 

XXXXXXXX XXXX  credit card opened XX/XX/XXXX, balance {$540.00} XXXX XXXX XXXX XXXX  balance {$0.00}, opened on XX/XX/XXXX. 

XXXX balance {$0.00}, opened on XX/XX/XXXX XXXX XXXX XXXX balance {$95.00}, opened on XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX, balance {$1600.00}, opened on XX/XX/XXXX XXXX has been filed at identitytheft.gov see attached file.
Consumer complaint received 2017-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Personal Loan Service (OK)

I was hung-up on twice by each person in the office. 
I feel that I was overcharged on the Garnishment ... ..I was charged twice for Court Fees after My Employer had already replied to the Company. I was already on an existing Garnishment and the Company knew that and went ahead and filed again on me, charging me over {$100.00} a second time for the Court costs.
Consumer complaint received 2022-11-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: St John Rossin & Burr, PLLC (FL)

I am requesting a verification of debt from this debt collector that continues to harass my family and I by making false allegations of erroneous amounts being owed. 

VIA CERTIFIED PRIORITY MAIL TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX OFFICES : On XX/XX/2022, one of your employees or agents contacted me on behalf of your company and claimed that I owe a debt to XXXX XXXX XXXX, XXXX XXXX OFFICES, AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under ACCOUNT & PROPERTY ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida [ XXXX ]. 

At this time I would like for you to make a note that I am disputing this claim and that I do not believe I owe this inaccurate balance. This is the first allegation of any debt being owed via your correspondence on XX/XX/2022. I have never received a bill from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX regarding any debt being owed whether expressed or implied. 

Your continuous harassment with letters & such conduct has caused my family and I to suffer severe humiliation, embarrassment, emotional distress, and physical discomfort, defamation of character within our community and mental anguish. Not to mention our household has been severely impacted by hurricane Nicole and Hurricane Ian and are currently under a State Of Emergency in the State of Florida. 

Please take note that any future unsolicited forms of contact will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt of collecting said debt. 

I HEREBY DEMAND THAT YOU CEASE AND DESIST all future contact with my family and I and that you update your records immediately. If action is not taken by you to cease and desist within 30 days from receipt of this letter, I will have no choice but to take appropriate legal action against you including but not limited to filing a report against your company under the Fair Debt Collection Practices Act. 



Very truly yours,, XXXX XXXX XXXX, XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Enclosure : VERIFICATION OF DEBT REQUEST
Consumer complaint received 2022-11-11
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: Sequium Asset Solutions, LLC (WI)

I am a victim of identity and tax frad. My information and social security number is on a dark web as of XX/XX/XXXX There is a trace on my social security number and I'm victim of a data breaches as XXXX. I tried contacting the company that data breaches my personal information XXXX XXXX XXXX a company XXXX has my information also on dark web as of XX/XX/XXXX.
Consumer complaint received 2022-11-11
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. (KY)

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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 XXXXXXXX