davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRUSTMARK CORPORATION (MS)

XXXX XXXX XXXX firm trying to garnishee my bank account from a debt from XXXX first that said the debt was XXXX XXXX yrs later the debt is XXXX I spoke to someone in the firm today ant they said they reopen this garnishment back in XXXX of XXXX I havent received no paperwork saying nothing about the case reopen all of a sudden Im getting a letter in mail said my bank account being garnished status of limitations say XXXX yrs they cant charge me I just need some advice of what actions I need to take
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Prosper Marketplace, Inc. (NY)

I was involved in an automobile accident XX/XX/2022 and became XXXX going through physical therapy with severe bodily injuries with total loss of income. Had payment protection on all my credit card accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all have Credit Protection Plans and was triggered. All the listed credit bureaus were inform and failed to apply the protection as violation of Federal Trade Commission Act ( FTC Law ), Violation of Credit Protection Act, Truth in Bureaus reporting act, and violation of Federal truth in credit disclosure act. All lates and deragoratory informations be remove immediately as matter of Federal and State law. I am disputing all lates, charge off, and balances. Requesting a full refund for misrepresentation and breached of contract.
Consumer complaint received 2019-12-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX about XXXX i was supposed to quickpay through chase my ex girlfriend some money for rent under the agreement that she pay me back. I send the XXXX dollars only to realize i sent it to the wrong number. I call chase they say i was scammed and they can not help. I contact the person who received my money and they inform me they will send it back. They then lie and say they sent it to the wrong number and then proceed to block my phone number from contacting them. I just want my money back this isnt right.
Consumer complaint received 2019-12-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (SC)

An auto loan was fraudently opened in my name in XX/XX/2016. I had no knowledge of the account until its repossession. An. {$18000.00} loan which I did not consent to. GM FINANCIAL. Refuses to remove the item from my credit report
Consumer complaint received 2022-09-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC (CA)

CASE # XXXX COURT CASE # XXXX XXXX XXXX # XXXX Im requesting to receive a termination letter/ release letter of all levys removed immediately. 
Especially the lien from the house in XXXX XXXX CA XXXX! 
My name is XXXX XXXX. I strongly feel this is a mistake error, it is unfortunate that there is a Social Security attached ending in # XXXX. 
This XXXX issued date XXXX XXXX. 
When I speak to all these collection agencies, they all have different dates & amounts. 
Some say this dept is for something back in XXXX or XXXX, they don't even know. 
I spoke on XX/XX/XXXX ( time started still waiting for all the information ) & XX/XX/XXXX with XXXX XXXX representing XXXX XXXX XXXX. 
I request, & By law is my right to receive a copy of the original contract. 
& There is none. 
Proving information with a signature that shows I owe, if any of this debt. 
I need proof of ownership, payment historys anything & everything on this is. 
( as asked for many times ) office has 30 days from XX/XX/XXXX to comply & give me all this information. 
you must delete this mistaken debt ASAP. 
I also need all the creditors/Law Groups that have been involved in this court case # XXXX. 
Information needed is, complete legal names and address, contact information emails and numbers.. 
Companys License XXXX XXXX which are required by law or ordinance to be engage in business as a collection agency. 
Information will be used to do a background check on all law firms & license numbers to confirm all legality through the state of California and Attorney General. 
I would like the complete information on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX to verify on our behalf as well. 
Copy of Proof of Service form XXXX I also have no clue or recollection on how or why the court house in XXXX XXXX  XXXX would even comply to a judgment on XX/XX/XXXX.! 
I the Defendant was never served or notified that XXXX hours away from my home & was supposed to be in a courthouse. in LA. 
I live in XXXX XXXX XXXX. 
In Learning about this false XXXX from XXXX? 
I was never serviced : on this claim, & not given the at least 15 days before the court date. 
I feel There is so many laws Where this XXXX is being broken through Law FCRA, FDCPA & HIPPA.
Consumer complaint received 2024-01-01
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. (IL)

On XX/XX/2023, file a dispute with XXXX regarding a XXXX XXXX bankruptcy that was sent to TransUnion, XXXX and XXXX I was informed by XXXX that the bankruptcy was validated from the bankruptcy court & Clerk .I went in person to the bankruptcy court and spoke to the clerk in case # XXXX XXXX XXXX on XXXX XXXX I was informed by the clerk Please see Letter stating that the bankruptcy dose not report or verify the accuracy of the court records XXXX is in violation of the Fair Credit Reporting Act 15 U.S.C. 1681 ( 4 ) the right to Privacy The FCRA state in 15 U.S.C.1601 states there is a needs to insure that the consumer reporting agencies exercise their grave responsibility and respect for the consumer 's right to privacy!!! XXXX is a corporation that does not follow the law. also, XXXX along with XXXX are in violation. of 15 U.S.C 1681 B- ( 2 ) in accordance with the written instructions of the consumer to whom it relates meaning me ( XXXX XXXX XXXX also 15 U.S.C 1681 N & 15 U.S.C.1681 O. I have sent over 6 disputes to XXXX and refuse to follow that FCRA. 
dispute letters dated XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX also the bankruptcy letter dated XXXX XXXX
Consumer complaint received 2019-12-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NH)

I have private loans from Navient. I am currently 9 months  XXXX  about to go on leave from my job as a XXXX  in a XXXX  and will be getting a small income from XXXX until I do find child care for my baby. They are unable to help me with any type of financial hardship. Both cosigners are older and only making enough social security to support themselves. They wont help me with any type of payment unless I make payments of {$510.00} each month which is INTEREST ONLY! I can barley pay my bills to live right now and they will be sending me to collections if I don't pay this month. I just don't make this type of money and it is impossible for me to make this type of payment just for a private student loan. 

I need help!!!
Consumer complaint received 2018-02-26
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. (IL)

In XX/XX/XXXX I filed a dispute with equifax stating 2 items were being reported incorrectly. One I tem was XXXX XXXX XXXX in which they never investigated and I continued to send in requesting new investigations and still nothing they totally ignnore. at the end of the year XXXX I get item investigated.and remains. Thats 360 days it took to investigate this item has 30 days but they kept ignoring. Now they say was investigating but no information is available on this account buy account holder so how investigation was done is beyond me. Equifax violated federal law as it has 30 days to respond not one year and is and should be fine. I sent them a new letter in which they signed for on XX/XX/XXXX telling them od the fraud they have committed and to remove the account its now XX/XX/XXXX and they have ignored and have not responded back. This item goes why beyond fed limits and they should be fined which is my next step as it has cause great distress. Next at the same time account XXXX XXXX XXXX was also received on XX/XX/XXXX by Equifax. This item was previously removed in XX/XX/XXXX then put back on after removed and disputed for a year not 30 days then they after a one year investigation which is illegal come back and add time on to a loan that was paid off XX/XX/XXXX and show it being paid all the way though XXXX and marked status 120 late. Now they ignored my request that they received on XX/XX/XXXX to remove and havent responded and its now XX/XX/XXXX. This is also a serious violation of federal law. How can a loan paid off in XX/XX/XXXX show late 120 days a year after account was closed.. They flat out ignored both my requests not only in XXXX but now XXXX. This has cost much damages to my credit score as well as taken much of my time to write letters to try and correct and only to be ignored. Such failure of federal law should entitle me to 1000s of dollars..This is total neglect of their responsiblities. I dont wish for a new investigation as they have botched up and ignored 1 plus years of request. I want these items totally removed as well as some kind of compensation for there neglect of duty.
Consumer complaint received 2019-08-04
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. (IL)

I have called and written to dispute this inaccurate ( fraudulent ) information on my credit report and let them know this information is fraudulent. I have sent the recommended documents to get this resolved. The following accounts are listed incorrectly XXXX XXXX, XXXX XXXX XXXX. There should only be one address listed on my report XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. My name is XXXX XXXX that is the only name I have ever used when applying for credit. The inquries for XXXX, XXXX XXXX XXXX XXXX XXXX I did not do this.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XXXX I was alerted that loans with XXXX had been taken out under my identity. After several attempts of trying to contact XXXX I finally was able to a representative via phone on XXXX. She told me that loans associated with my SSN and name had been open XXXX -- XXXX and paid to XXXX XXXX ( telephone XXXX ). The email, address and phone associated with the account were fraudulent and not associated with me. When I told the representative, she said that she would change this in the system and update their records. When I tried to explain this was fraudulent she directed me to contact Federal XXXX  Aid to close my XXXX and XXXX and she just updated the account on XXXX to reflect my current address. When I attempted to contact XXXX they said this isn't something they can do. I have been unable to get another representative from XXXX to contact me without making an account on their website. I have now reported to the XXXX  ( XXXX ) and the XXXX XXXX XXXX.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (CA)

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the inaccurate information from these accounts : XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
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. (NJ)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (VA)

I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( on XX/XX/XXXX and second on XX/XX/XXXX ) to DIVERSIFIED CONSULTANTS and requested they only contact me by mail. There has been no response from the debt buyer. 
This account was not opened by me, and I have not resided at the address of the account for three years. The account belongs to the current resident, who has since called and paid the outstanding amount. I informed XXXX, the original creditor who informed me my information would be removed from this account and the current resident would be added but I have yet to see resolution. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by DIVERSIFIED CONSULTANTS regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated
Consumer complaint received 2024-03-15
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-11-29
Product: Credit reporting 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. (VA)

I did Not authroize these inquires and need them removed I tried to contact the Bureaus and they did not remove them and it is a violation according to 15 U.S. Code 1681 c-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rausch Sturm LLP (TX)

This company has been practice law send 2009 scam, people out their money by collect for another company on old debt and he is not License, to practice in Texas. This Law firm has 43- Complaints on different consumers all over different states, and they have tried to work with them with a settlement with written statements which they refuse to do. How they are scam, people take their bank information and make payment arrangements, verbal with no original contract, and filed Lawsuit in different states and not been License in these states. And also when the consumer makes payment arrangement, Verbal over the phone with collector, 90 days of payment arrangement and sell their debt to another company to start over-collect money with no contract with another Law firm company. This is illegal and fraud and scam people all over the states. This company needs to be investigation need to take place with this company Rausch , Sturm , Israel , Enerson & Hornik LLP! 

Please start looking at all the complaints this Law firm has with XXXX  which is 43 complaints scam people out their money and file fraud lawsuit! Sell old debt, another Law firm!
Consumer complaint received 2023-11-29
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29
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. (AR)

I hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern related to my account. It has come to my notice that there are fraudulent items associated with my account, which require immediate attention and resolution. 

Despite my previous attempts to address this issue through your designated channels, the fraudulent items persist on my account. This situation is causing me significant distress, and I am deeply troubled by the potential impact on my financial well-being. 

I kindly request the following actions be taken urgently : Please promptly remove all fraudulent items and transactions associated with my account. 

Conduct a comprehensive investigation into the origin and nature of the fraudulent activities to prevent any recurrence. 

Keep me informed about the progress of the investigation and the steps being taken to resolve this matter. 

Implement additional security measures on my account to prevent any future unauthorized access or activities. 

I understand the importance of maintaining the integrity and security of your services and believe that swift and decisive action is crucial in this situation. I trust that your company values the well-being and satisfaction of its customers and will take immediate steps to rectify this matter. 

Please acknowledge the receipt of this complaint at your earliest convenience. I anticipate a prompt resolution to this issue to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX