davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-23
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (GA)

I XXXX XXXX XXXX XXXX  XXXX ) have received several threatening phone calls on various occasions disrupting my peace and normal personal family obligations and responsibilities by continuously calling me threatening and harassing me about a 20 year old non eforceable debit that I'm not aware of entering into a contract that would obligate me to pay the debt that they verbally assert my indebtness without providing and contractual aggreements or promissory notes that the company states that I entered into for the purpose of an it education, yet when I request any documents, contracts or evidence to support that alleged material fact. After several requests for this evidence or proof of debt obligation I have yet to be provided with such only vague promised that as of today 's date has not been provided to even assertain that I in fact owe a debit they have the authority to collect on lawfully.i asked them to stop the treating calls and phishing for my personal identifies and private financial, employment, properties and current financial relationships with other financial companies that are in no way related or associated to this unverified or properly identified company without any authority to attempt to collect a debit that has yet to be proved that I'm in fact the correct debtor with the correct indebtness. Please formally file this complaint and investigate this matter to your fullest ability because I truly believe this is criminal fraudulent activity in furtherence of a criminal enterprise. 
The company harassing me identifies thereself as " FINANCIAL ASSET MANAGEMENT INC. '' Atempting to collect an debt for XXXX XXXX. I've been called and harassed by XXXX XXXX and XXXX XXXX claiming to be the supervisor while simultaneously attacking me via conference call with several other associates during the same phone calls. One phishing another harassing another falsely attempting to get me to agree to the unsubstantiated debt.
Consumer complaint received 2020-12-23
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. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-03-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (FL)

I sent money to the XXXX using WORLD REMIT for a total amount of {$210.00} ( {$1.00} for service fee ). I sent the money on XX/XX/2021. I consistently called WORLD REMIT every single day since XX/XX/XXXX until today XX/XX/XXXX because they have still not transferred the funds to the receiver 's XXXX account which is a company in the XXXX. I also tried to request for cancellation but I got an email stating that they are having a technical issue. They also told me that there is a technical issue with their local partner in the XXXX. However, they are unable to further describe what technical issue they are experiencing. It has been 8 days since I sent the money. 

I tried sending money to the XXXX using a different money remittance company called XXXX and they were able to transfer the money REAL TIME. The receiver got the money through XXXX which is also a company in the XXXX.
Consumer complaint received 2020-12-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 37 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused me.
Consumer complaint received 2020-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I mailed in a dispute letter to XXXX  and TransUnion regarding the following account XXXX, XXXX account number XXXX on XX/XX/XXXX pointing out several inconsistencies that I noticed on my credit report with the way the account is reporting. The open/closed date is inaccurate, balance reporting is inaccurate, the XXXX date, as well as the account status is all inaccurate. XXXX  and TransUnion both received my dispute letters because I sent the letters certified with receipt tracking and XXXX  received my letter on XX/XX/XXXX and TransUnion received my letter on XX/XX/XXXX and has failed to investigate my dispute within the allotted time of 30 days yet they continue to report this inaccurate information on my credit report. This is ridiculous I have been disputing the validity of this debt since XXXX and XXXX  has continuously given me the run around about this account. Please DELETE this account immediately for not only inaccurately reporting but failing to investigate account within 30 days!
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I spoke directly with the consumer reporting agencies on XX/XX/XXXX & XX/XX/XXXX after noticing multiple new inquiries on my consumer reports and was instructed to contact the 'creditors '. After doing so, no accounts were found using my credit card number ( social security card ) but no person was willing to remove the inquiries pursuant to 15 U.S. Code 1681c2, 15 USC 6802, or otherwise. I gave mention of a previous FTC report filed # XXXX and the consumer reporting agency claimed they never received it. 

INQUIRIES : XXXX XXXX ( on Transunion ) XXXX XXXX XXXX ( Transunion ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Because the 'creditors ' received no expressed permission or consent, nor extension of credit from me, the original creditor, and refuse to abide by the laws set out in the Fair Credit Reporting Act, they are now criminally liable per 15 U.S. Code 1611. 

Per 15 U.S. Code 1681c2, the consumer reporting agencies must remove said inquiries in the next 4 days and criminally liable per 15 USC 1611 for denying my request for removal and not upholding the laws of the Fair Credit Reporting Act. 

15 U.S.C 1681 states : " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

An elaborate mechanism ( consumer reporting agencies ) has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

Consumer reporting agencies have assumed ( assumed, meaning appointed themselves. They are not a government agency ) a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I am submitting this complaint to hold these consumer reporting agencies accountable as my rights to privacy and my reputation as an original creditor and consumer is negatively impacted by these fraudulent inquiries. 

Per 15 U.S. Code 1681a, " the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Inquires are a transaction and/or experience between a consumer and the person ( or organization ) making the report. Having these inquiries on my consumer report is a violation.
Consumer complaint received 2020-12-23
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-12-23
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how toremove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION orhttps : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required toremove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blockingof the erroneous information which is being posted to my report. Here is the list of items that do not belong tome or were opened without my permission. XXXX XXXX XXXX XXXX XXXX Balance : {$33000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX & XXXX Original creditor : XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) theCREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumeridentifies as information that resulted from alleged identity theft, not later than 4 business days after the date ofreceipt.
Consumer complaint received 2020-12-23
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (NY)

I currently have two student loans with Sallie Mae i graduated in XX/XX/19. I am working with XXXX XXXX to help me fix my credit. In XXXX my credit scored was XXXX. I am first generation American single mother of two. I went to college to end my cycle of poverty. I fell behind on my student loan payments. i was effected by the pandemic and other life factors. I called sallie mae and informed them that I sent a notice from XXXX XXXX informing them about my financial hardship. I am trying to purchase a cheap condo to no longer pay rent and obtain an asset for my children and myself. Sallie Mae sent negative reports to the credit bureau and my score dropped over 100 point back to poor. when i called to follow up on the notice i sent, i was told they did not receive it. Why is sallie mae reporting late payments to the credit bureau when the country in the middle of a financial crisis?. I plan on paying my student loans. i will be getting evicted from my apartment soon. I need my credit score to move. Now i will have to go into a shelter until my credit improves. They should not be reporting late payments to the credit bureaus during these times. listen i am not here to get pity or sympathy, my story is my story. My ex boyfriend hit me and stole rent money from me and i also lost my job. I have worked and studied hard and sacrificed alot to empower myself, and sallie mae just crushed a goal/dream of mine. this is emotionally distressing and extremely reckless and unreasonable on sallie mae 's behalf. please help me rectify this. i know i am not alone
Consumer complaint received 2020-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates, XXXX keeps sending letters requesting to collect a debt. 
I have sent XXXX certified letters requesting debt validation with a contract including my signature. They keep sending me the exact same letter with someone else 's ssn and no proof of validation.
Consumer complaint received 2020-12-23
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. (GA)

Because I have been suffering from identity theft, I have been working with CRAs to remove all of fraudulent accounts that were made by the crime. 
XXXX and XXXX XXXX found all accounts that I have reported to be fraudulent were involved with the identity theft, so they have successfully removed all of negative accounts. But the Equifax is continuing to report one account from XXXX XXXX. As a credit reporting agency, they must delete and block such fraudulent account if the account was created by identity theft. I have submitted all the necessary supporting documents to them to notify them what my position is in this matter.
Consumer complaint received 2021-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (AZ)

Account Name : US BK XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (PA)

XX/XX/XXXX- submitted my most recent tax bill to my mortgage company and followed up with them twice to make sure it was paid ( the local tax office and I were also in contact so I knew it hadnt been paid yet ). On my 2nd or 3rd time contacting the mortgage company : TMS XXXX The Money Source ) I was told my payment had been sent. At that point I didnt think about the situation until I got another tax bill from my tax company with overdue amount of {$1000.00} for school tax and $ XXXX county tax and {$23.00} district tax Which must be paid by XX/XX/XXXX or else it will be turned over to the county as delinquent and incur more fees for being such. 
I immediately contacted XXXX to question why my taxes hadnt been paid. This was XX/XX/XXXX? And I spoke to XXXX in the tax dept. Who filed my initial complaint and explained they had sent a check to local tax office in XXXX, PA on XX/XX/XXXX in amount of {$570.00} for school district tax and it was returned to TMS for incorrect amount. I was told this would have an escalated flag put on it. On XX/XX/XXXX I contacted TMS to follow up again and spoke with XXXX from the Tax dept and he explained it was still under investigation and they probably could not pay it till after new year. I explained it will be turned over XXXX XXXX as delinquent by that time ( which means any payment TMS sends to local tax office will once again be returned because the county now handles it and the amount would be higher for delinquent fees XXXX. XXXX assured me that theyd pay any extra fees since it would be their fault but otherwise couldnt give me any more answers. 
XX/XX/XXXX I called TMS again to see what the status was for my case and spoke with XXXX from the tax department who said its still being researched and a check is scheduled to be sent out XX/XX/XXXX. I once again expressed to XXXX that this will be after the due date and payments can no longer be sent to the tax office and will also have additional delinquent fees applied. I expressed reasonable frustration as to why if I had submitted the documentation from the tax office for the necessary amount why they werent sending the check now. I asked to speak with a supervisor and was told he was busy and would respond within 24hrs. I asked that if the payment was returned back in XXXX for incorrect amount why I had never been contacted about it by TMS or why TMS didnt contact the tax office to find out why the amount was incorrect/question something, anything! It was simply ignored and no one told me anything and now Im left on the hook for delinquent taxes. I went through this same situation last year and had to pay the full amount myself. So why am I paying into escrow if I constantly have to babysit the mortgage company to make sure they pay the bills that I send to them? Everyone wants their money from me but no one seems to be in a hurry to apply said money where it belongs. Ive also had issues with TMS not paying my homeowners insurance till the last absolute minute!
Consumer complaint received 2021-06-30
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: CL Holdings LLC (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2018-06-28
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. (TN)

1 ). On XX/XX/XXXX, I sent my first round of dispute letters to XXXX Credit Bureau, XXXX XXXX and Experian Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, all three bureaus had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I sent three stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. A letter to XXXX Credit Bureau, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX, a letter to XXXX XXXX, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX, and a letter to Experian Credit Bureau, by XXXX. Postal Service Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX. These were my first round of dispute letters, for which XXXX Credit Bureau was supposed to remove : XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$3600.00}. XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. collection, account number XXXX, opened on XX/XX/XXXX, with a balance of {$1200.00}. collection, account number XXXX, opened on XX/XX/XXXX, with a balance of {$160.00}. My first round of letters for XXXX XXXX, which they were suppose to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$410.00}. And my first round of letters for Experian Credit Bureau, which they were supposed to remove : XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$36000.00}. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$33000.00}. XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$31000.00}. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$410.00}. 
3 ). XXXX Credit Bureau, XXXX XXXX and Experian Credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and XXXX ).