davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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. (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 ACCOUNT NO XXXX XXXX  : ACCOUNT NO : XXXX XXXX : ACCOUNT NO : XXXX XXXX XXXX ACCOUNT NO : XXXXXXXX XXXX XXXX XXXX XXXX. ACCOUNT NO : XXXX XXXX XXXXXXXX ACCOUNT NO : XXXXXXXX XXXX XXXX XXXX NO : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NO : XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT NO : XXXX XXXX XXXX XXXX ACCOUNT NO : XXXX XXXX XXXX XXXX ACCOUNT NO : XXXXXXXX XXXX XXXX ACCOUNT NO : XXXXXXXX XXXX XXXX  ACCOUNT NO : XXXX XXXX  ACCOUNT NO : XXXX XXXX5 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.

15U.S.C. 1681 c. ( 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.

45 U.S.C. 1681 s- 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 2022-06-03
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-07
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. (MS)

XXXX XXXX is reporting I have late payments on my account which I do not. 
The account that I made payments from cleared through my account XXXX XXXX later they returned then money and added additional charges.
Consumer complaint received 2022-06-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical-Commercial Audit Inc (MO)

On XX/XX/2022 XXXX researched a collection account and provided me with the contact information of MEDICAL COMMERCIAL AUDIT INC in XXXX XXXX, MO. 
On XX/XX/2022 I sent a certified letter to MEDICAL COMMERCIAL AUDIT INC requesting they send me proof that they attempted to validate this alleged debt PRIOR to reporting this tradeline to my credit report by providing me a signed delivery slip or tracking number OR remove this collection from my credit report. 
On XX/XX/2022 in response the debt collector sent several documents, ( a ) a bill [ {$41.00} ], ( b ) a copy of a drivers license, ( c ) a medical account summary listing medical procedures, ( d ) a HIPAA notice. 

This is not the documentary evidence I clearly requested. The documents I was sent, including the bill, says this debt collector was ASSIGNED this account. This assignment, the furnishing of it to my consumer report as a means of bringing harm to me and my financial reputation, and the fact that this agency has a means of my identity without my authority to coerce me to pay them is a violation of 18 USC 1028A - Aggravated Identity Theft.

The FTC says that debt collectors can not furnish first and ask questions later when it comes to consumer reports, also known as debt parking. 
The furnishing of this collection to my credit report is in violation of 15 USC 1692d and the furnisher is engaging in unlawful extortion activities.
Consumer complaint received 2022-06-02
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. (PA)

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against XXXXXXXX XXXX XXXX XXXX. for committing identity theft. I have never given sunrise credit service, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with XXXX XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022 I have not received any documentary evidence, such as a trilateral contract, giving XXXXXXXX XXXX XXXX any right to collect on this alleged debt. 
I have never received any documentation requesting validation from XXXX XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXXXXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: ICUL Service Corporation (NJ)

I have tried to get a replacement card from ICUL Service Corporation XXXX XXXX XXXX XXXX XXXX IL or XXXX XXXX XXXX XXXX Fl XXXX or XXXX & XXXX I have called several times. The representative stated my card will be mailed out. When I did not receive the card, I called again, the representative stated no card was mailed out. She stated she will send another, I'm still waiting. I do not understand what is going on or if the number I'm calling is fraudulent because it's the number provided on the statement. What kind of business is this? I have not moved, and all my information is the same. Where is the replacement card, that I have requested several times over 1 year now? Also, why I have to make several calls to this business and now put in a complaint in order to get service?
Consumer complaint received 2022-06-02
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: SUNRISE CREDIT SERVICES, INC (PA)

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Sunrise credit services inn. for committing identity theft. I have never given sunrise credit service, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Sunrise credit service and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022 I have not received any documentary evidence, such as a trilateral contract, giving Sunrise credit service any right to collect on this alleged debt.

I have never received any documentation requesting validation from Sunrise credit service before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Sunrise credit service can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Sunrise credit service, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Sunrise credit service, continues its collection efforts, I will file for litigation for actual damages caused and Sunrise credit service, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-06-02
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: JPMORGAN CHASE & CO. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS. HOSPITAL BILLS ARE BEING REPORTED WHICH IS VIOLATION OF THE U.S. CONSUMERS REPORTING AGREEMENT.
Consumer complaint received 2022-06-02
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-02
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-06-02
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: NAVY FEDERAL CREDIT UNION (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I am reaching out to obtain a status update on the request made on XX/XX/2022, regarding XXXX XXXX XXXX XXXX. MOHELA is literally " hiding '' behind the issues that are presently addressed through the legal system. I have been in the XXXX XXXX XXXX XXXX for over XXXX years with over the XXXX payments required for forgiveness, and my account was only affected by those legal issues once you all CONVINCED me to consolidate my parent plus loans. 

I am attaching a copy of the letter from FED Loans dated XX/XX/2022, indicating that my XXXX  XXXX XXXX was XXXX at that time. I am also attaching a copy of the PSLF Payment Tracking showing that I made XXXX payments. 

I consolidated on XX/XX/2022, to include my parent plus loans. MOHELA processed the consolidation on XX/XX/2022. I was on the Income-Driven Repayment ( XXXX ) plan before consolidation and am currently on the XXXX payment plan. MOHELA has only given me credit for a total of XXXX payments. 

I was provided information from XXXX XXXX XXXX and MOHELA that my payments before consolidation would be counted after the loans were consolidated. This has yet to happen. Instead, MOHELA has been " gaslighting '' me since day one. They have not applied any of my payment counts to my student loan account. I do not wish to move forward with the consolidation if they do not plan on upholding their end of the agreement. I made the XXXX payments before consolidation, and I want to revert my loans to their status before consolidation. This would leave me with the parent plus loans needing to be repaid back for roughly {$14000.00}, give or take a few dollars. I would have never consolidated in XXXX of 2022 if they had not practiced " deceitful tactics '' to lure me into consolidating those loans. 

I have tried contacting MOHELA, XXXX, and FED Loans to resolve this situation. I have yet to be successful in obtaining any resolution from these folks. The representatives at MOHELA are very unprofessional and have a nonchalant attitude when discussing your concerns with them. The last representative laughed during our phone call without any provocation. 

I need clarification on how MOHELA acquired my loan in consolidation but not my payment count. I have spoken to several representatives with MOHELA, and all of them have assured me that they only enter notes into the computer system and can not provide ANY assistance on my account. I have a copy of my entire FED Loans file, over 1,000 pages. I have been in the PSLF program for over ten years. I can not email the file as it is too large, but if you need additional information on my student loans, I probably have access to the data. I can be reached at ( XXXX ) XXXX or at XXXX.
Consumer complaint received 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

SHELLPOINT MORTGAGE SVC XXXX This account should NOT be reporting any late payments as there was a " Forbearance Agreement '' placed from XX/XX/XXXX through XX/XX/XXXX. 

My credit report shows I was reported late in XX/XX/XXXX and XX/XX/XXXX. This is not correct. My payment for XXXX was made on XX/XX/XXXX and XXXX 's payment was made on XX/XX/XXXX. See proof of bank statements attached.
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting act 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-06-02
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.