davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: WINN LAW GROUP, APC (CA)

XXXX XXXX contacted me regarding a charged off XXXX. I advised the collector that I did not believe the debt was collectible because it was already charged off. I requested debt validation via phone, fax, and mail. I never received anything and they stopped contacting me. They then obtained a default judgement. I was never served. They never validated the debt. My paycheck was garnished and when I contacted my employer I was notified that my paycheck would garnished for 25 % until the debt to Winn Law Group is paid. I contacted XXXX XXXX at Winn Law Group and she said I owed {$1700.00} as of XXXX XXXX, 2015 and interest was still accruing. I asked her to validate the debt and she advised me it was from a XXXX XXXX collection on an XXXX account ending in XXXX. I advised her that XXXX XXXX never validated the debt and demanded that Winn Law Group validate the debt, in writing, and asked how they received a garnishment order without a court order. She said it was public record. I asked her to forward me a copy of the judgement. She declined. I have medical issues that are exacerbated by stress and I just wanted to be done with this nightmare. I offered {$1000.00} but she declined and countered with {$1200.00}. ( The most I have ever owed XXXX was {$630.00}. ) I agreed and offered to pay with a debit card. She refused and said she HAD to have my checking account routing and account number in order to make the agreement. Against my better judgement, I contacted my bank for the routing number and discovered {$820.00} had already been garnished from my paycheck. I called XXXX back and asked her to draft a written agreement that the account would be paid in full once the remaining {$430.00} was paid. She refused, saying that the amount garnished does not affect the {$1200.00} settlement amount. I refused to give her the checking information and she said they would continue with the garnishment. To date, my wages are being garnished, the debt has not been validated, the actual amount owed is unknown, I 'm not even sure it is my account, and I do n't know how they got a judgement without my knowledge.
Consumer complaint received 2022-10-17
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. (LA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$60.00} UXXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-03-03
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. (TX)

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

XXXX 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
Consumer complaint received 2023-03-08
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: DriveTime (NC)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has 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 2022-09-03
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)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I filed complaints about services nor renered by XXXX XXXX ( lost or non delivery ) I asked for sendee signed acceptance to prove it delivered. Three months passed and no receipt XXXX statement rebill {$15.00} dispute XX/XX/XXXX statement credit {$200.00},, and then same time rebilled {$200.00}, what happened to dispute?? no letter or reason why rebilled In XXXX statement rebilled {$15.00} dispute, why?? again no reason given XX/XX/XXXX statement credit {$14.00} and then rebilled {$14.00} ( transact date XX/XX/XXXX whys is there credits given and taken back without explanation or requested documentation I needed back from dispute ( ex delivery receipt or reason fro rebilling ) Covid caused madness and confusion but no reason to not notify me in loop of mercant reply Please once and for all put staff to provide customer service vs " customer no service ''
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (AZ)

I took out a secured card at Navy Federal Credit Union ending in XXXX depositing {$200.00} to use against. The card was completely paid off and account closed on XX/XX/2022. They refuse to give me the original {$200.00} I deposited to create the card and just give poorly explained excuse after excuse as to why they can't return my rightful money -- or even use my paid off card which is still displayed as active in my banking dashboard despite being closed. They agree the card was completely paid off including all interest and still refuse to release my money or even close the account/remove it from my banking dashboard -- which should have been taken care of the day the entire amount was paid and account closed. I am surprised and disgusted by this banks actions ; literally taking $ XXXX off my back with no discernible reason as to why they can't return my money. This is malicious in nature and the only people I can get on the phone to solve this are malcontents that insist no solution exists.
Consumer complaint received 2016-08-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NJ)

I have presented a case prior with Santander consumer USA and my case closed and it stated to seek legal counsel and then speaking with accelerated supervisor to handle issues at Santander and I mentioned lawyer she then explained when I agreed to at 2 times to push payments to back of the loan each time 3 months that it allowed the a loan to charge the XXXX XXXX dollars of interest and she said that on tape I agreed to change that but the conditions also changed because I was on leave due to illness. This was not explained and nor will they give these tapes to me. I was in financial hardship they took advantage and did not reveal that this will cost this amount. I am still trying to find an attorney because of the cost they charge. They kept saying at first late payments and now this and no they did not explain and they are aware they took advantage because only now am I being told more in depth answers I want this to go to court but I trying to find sway to do this without costing I have family and obligations and if I knew when I became ill that this would of cost this on these XXXX accounts I would not have agreed.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My name 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 2022-09-30
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. (OH)

I have incorrect information on my credit report, I have listed these accounts all below. These accounts are reporting to all three credit reporting agencies. I also, have incorrect information reporting to all three credit reports in regards to my car payment. During the pandemic my car payment aloud me to skip a couple payments and advised that it wouldn't effect me negatively and then they reported I had late payments. I have tried to deal with all these issues directly with the companies and have gotten no where and this negative information is keeping me and my children from getting housing. 

Please see incorrect info reporting to all three credit reporting companies, these accounts do not belong to me. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX Amount {$720.00} XXXX XXXX XXXX # XXXX Amount {$450.00} XXXX XXXX XXXX Account # XXXX Amount {$240.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$230.00} this account below is my car payment and they are reporting me late during the pandemic and I was never supposed to be reported late. 

XXXXXXXX XXXX XXXX Account # XXXX Lates below and this was never to be reported to the credit reporting agencies, they advised it would not effect me negatively because of the pandemic. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name 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 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (MD)

Hi- I have a Wells Fargo XXXX XXXX rewards card and under the card 's rewards program, every time you earn XXXX  points ( i.e., spend {$500.00} with the card ), you get a " stamp. '' After accumulating 10 stamps, you get a {$110.00} credit for a room night at a hotel on XXXX that accepts these stamps. The problem is this, while the credit card statement Wells Fargo issues includes the number of stamps you've earned in the current cycle, it does not include any points information. For example, if you spend {$200.00} in a cycle and have earned XXXX  points, that information does not appear on the statement. You have to track it yourself, which makes it easy for Wells Fargo to mistakenly ( or purposely ) fail to issue the correct number of points and stamps. I spoke with a Wells Fargo representative and they told me there was nothing they can do about this. Is this something the CFPB can resolve with Wells Fargo? Please advise, thank you.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (NY)

To whom it may concern I have 2 collections on my account from the same company. I do not owe this company any money never signed anything with them or anyone there represent. The company name is jefferson capital system they claim I owe them XXXX & XXXX to them. I do not owe them any money. I have no idea who they are or what there talking about. This is fraud/identity theft as I have no knowledge of this and never authorized or signed anything for these amounts.
Consumer complaint received 2022-10-01
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: NAVY FEDERAL CREDIT UNION (IN)

On XX/XX/XXXX I was granted a divorce and in that divorce my ex husband was responsible for his indebtedness to Navy Federal Credit union. He is solely responsible according to the state of Indiana where I am a legal resident and also XXXX XXXX where I am a resident. I reached out to navy federal credit Union on multiple occasions. I filed disputes with XXXX, XXXX and XXXX XXXX. XXXX XXXX unfairly refuses to remove my name from the debt. Even before the was an official ruling there was a temporary ruling assigning my ex husband initially responsible, XXXX federal did not want to hear it. That was XX/XX/XXXX. It is majorly impacting my credit score and has been for years. My ex husband chooses not to make payments regularly regardless of his obligations and it has impacted my ability to own a home for the XXXX children he has abandoned and does not consistently financially support. It is beyond unfair for XXXX XXXX to continue to negatively impact the quality of my children 's lifes for the neglect of their father, I am the only parent they have and I can not afford a home with such disregard for Indiana state law. XXXX XXXX has demanded I make the payments myself if I want the debt removed from my credit. THIS IS NOT MY DEBT.
Consumer complaint received 2022-10-17
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-01
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. (PA)

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4200.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-02
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. (NJ)

I recently pulled a copy of my consumer reports and noticed the following personal information you have on file are IN ERROR my correct spelling name is XXXX XXXX XXXX. I DO NOT SPELL MY NAME ANY OTHER WAY.