davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report.

2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
6. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
7. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 8. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For EXPERIAN 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For XXXX
Consumer complaint received 2020-09-20
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. (FL)

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the  creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allegiant Capital Recovery LLC (MI)

Allegiant Capital Recovery Services has violated my federally protected rights under the Fair Debt Collection Practice Act. 
XX/XX/2022 I reached out to Allegiant after receiving an email that says Final Notice when I was only contacted once before and I thought they were different debt collection agency and told them I already satisfied the balance. I spoke with a representative by the name of XXXX who was very rude and used obscene and propane language and gotten frustrated with me asking questions about the account that I have no knowledge of and threatened to report it to the credit reporting agencies if I didn't pay immediately which is a violation under 15 USC 1692e ( 8 ). She said they have little information, no contract only a couple statements and can not provide me with additional documents to verify the account unless I pay because the documents cost to receive them from the creditor. She also told me I know nothing about FDCPA and she can talk rude because she is not customer service. Today XXXX I received a blank contract with no signature that has a totally different balance from what they are collecting on. I am asking this company to Stop All Communication with me unless it pertains to my specified remedy including no communicating with my consumer report as they have threatened. They have failed to provide me with documents including but not limited to a contract binding you and I, and to show you are the holder in due course and that you have a obligation to collect from me. Please check attachments
Consumer complaint received 2020-09-20
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. (VA)

I recently received a copy of my credit report, The credit report showed a credit inquiry that i do not recall authorizing. 
If you find that i am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that i am reserving the right to take civil action if necessary.
Consumer complaint received 2020-09-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EQUIFAX 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
6. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
7. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 8. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
10. Validate Account XXXX  XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

For XXXX 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For TRANSUNION
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (MD)

From XX/XX/2024 to present I have sent various letter to XXXX, Equifax, and XXXX regarding numerous inquires on my credit profile that do not belong to me. I was a victim of identity theft and for that reason I have a fraud alert placed on my credit report with each bureau instructing any creditor wishing to access my credit profile to verify my identity through contacting me at the listed phone number and obtaining identification. XXXX, Equifax, and XXXX failed to comply with my wish to protect my credit information and even more so did not complete a thorough investigation of my disputes when presented to them sending out correspondence stating that the inquires would remain for 2 years. 

In accordance with the Fair Credit Reporting act. The list of inquries below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. .15 U.S.C 1681 section 602 A. 

XXXX, Equifax, and XXXX have not complied and I am requesting action or demanded compensation.
Consumer complaint received 2019-08-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (CO)

There are so many problems here, I dont know where to start. I signed up for a MoneyLion account, enticed by the quick {$500.00} loan and XXXX app. I received the {$500.00} loan and made 1 payment on it. Since the payments are automatic, I assumed the loan was being paid because there were charges to MoneyLion on my account every month. I recently got notification from XXXX XXXX that a negative mark is on my credit report because the loan hasnt been paid in a while. I was never contacted in any fashion. No calls, no emails, no texts to tell me that my payments were not being applied. But money was still being taken out of my account. The money being taken out of my account was for MoneyLion Plus, of which a portion goes to the MoneyLion investment account. 

I currently have about {$440.00} in an investment account with MoneyLion and I owe about {$460.00} on my loan, which I can not make payments to, not because of financial inability, but because I can not reach customer service. I have tried on 4 different occasions : XXXX MST XX/XX/2019 I was on hold for 45 minutes and then hung up. XXXX MST XX/XX/XXXX I was on hold for XXXX hour and no one answered, so I hung up. XXXX XX/XX/XXXX, I was on hold for 1.25 hours and no one answered. XXXX MST XX/XX/XXXX I was on hold for 1.5 hours and no one answered. I have spent at LEAST 4.5 hours trying to get a hold of customer service. 

I would like to liquidate my investment account, apply it towards my loan, pay the remaining balance, and close my account and see MoneyLion pay for the horrible customer service. Actually, its not even horrible - its nonexistent. 

I would also like to know why the MoneyLion Plus payments were being taken from my account, and the loan payments were not being taken from my account. 

I now have increasingly bad marks on my credit report after spending 2+ years paying off my debts and getting my score back up and the worst part is that I have zero control over  this. 

Please do something. Thank you.
Consumer complaint received 2020-09-20
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: Experian Information Solutions Inc. (VA)

I recently received a copy of my credit report, The credit report showed a credit inquiry that i do not recall authorizing. 
If you find that i am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that i am reserving the right to take civil action if necessary.
Consumer complaint received 2022-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, mn, XXXX Dear XXXX XXXX XXXX I am responding to your contact about collecting a debt. You contacted me by [ XXXX, XXXX XXXX XXXX XXXX fl XXXX. 
and identified the debt as XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. You have no proof that this debt is mine or that I signed for any service or phone. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I lived in my home for almost 11 yrs. My husband got XXXX  and XXXX XXXX  from XXXX. My home was financed with XXXX   XXXX, when they went bankrupt and my loan was sold to XXXX XXXX XXXX. I had no choice my loan was just transferred. I had multiples debts with my spouse being sick over 2 1/2 years and tried to work with XXXX to stay in my home. They would not work with me at all.They were absolutely terrible to work with. I was basically forced out of my home with my children after they had just lost their father they now needed to move from the home they knew. They wanted XXXX dollars from me with all of the services fees and phony charges they added. I lived there 11 years and they wanted more then the purchase price of the home which was XXXX. Then then sold the property at auction for XXXX and since has been sold again. I have not resided in this home, nor this town for over 5 years. Now I am attempting to start fresh and purchase a new small house and XXXX puts recently on my credit report that I am delinquent on a loan for a partial payment plan. There is nothing owed on this loan. I have never had any partial repayment plan of any kind with XXXX that is a breach of FACRA. It is falsely reporting. This original loan ended in foreclosure, and I have all papers showing that I owe nothing on the loan.
Consumer complaint received 2021-10-14
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: Experian Information Solutions Inc. (IL)

On XXXX XXXX I disputed the following information with Experian, XXXX, & XXXX and they have yet to respond in the time allowed by the FCRA.XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 

Experian Negative Accounts : XXXX XXXX US BANKRUPTCY XXXX US BANKRUPTCY XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX ( CAR ) US BANKRUPTCY XXXX US BANKRUPTCY XXXX
Consumer complaint received 2020-06-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

My saving account was closed and its assets sent to a State unclaimed property remittance. 
On or about XX/XX/XXXX I received from Chase Bank a monthly summery for XX/XX/2020 of my savings account which stated that my saving account with {$22.00} was closed and sent to Unclaimed Property State Remittance. 
My compliant is the Bank never notified me that my account was in jeopardy and when I complained, I was told that I would have to reclaim my money directly from the state remittance fund. I spoke to several Chase Bankers and none could tell me the State where these funds were distributed. 
I finally submitted a formal complaint about the Notification procedures. 
As of this day I have not received a reasonable answer to this complaint.
Consumer complaint received 2020-09-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (MA)

On XX/XX/2020 I received a letter from Commonwealth Financial Systems , Inc., XXXX XXXX XXXX, XXXX XXXX, PA XXXX listing 13 "  account numbers '' and dollar amounts of alleged debt from XXXX XXXX XXXX. They had already taken action to ruin my credit by filing numerous derogatory comments at the credit bureaus on XX/XX/2020. They didn't just THREATEN to ruin my credit ... they took action to ruin my credit before they ever notified me of anything or provided me a chance to dispute this. I called on XX/XX/2020 and sent a letter advising them that I have valid, current health care insurance ; that I disputed the debt since they didn't bother to list dates of service, name of patient, or description of services. I also advised that they had made NO NOTIFICATION to me prior to making derogatory remarks at the credit bureaus. I asked what steps they had taken to validate the debt before making the derogatory remarks. The woman said they simply " assume '' the debt is valid. I requested validation and advised that I dispute the debt. I was told validation would be sent. However, a few days later, they made additional derogatory remarks at the credit bureaus, even after I advised them it was in dispute. I filed a complaint with the XXXX explaining that I have no idea what this is about, and that the collection agency did not validate the debt. They LIED in their response to the XXXX  claiming they sent validation on XX/XX/2020. Their letter to me wasn't dated until XX/XX/2020 advising they had these accounts and offering a 25 % discount on the debt. In addition, their employee verbally admitted they did not validate anything since they " assume '' records from a health care facility are valid on their face. I disputed the debt with the credit bureaus in XXXX and it was removed. After being notified by the XXXX of my complaint to which they filed the false statement about sending validation on XX/XX/2020 that I mentioned above ... they also told the XXXX they were requesting additional information. Why would they need additional information if they had already validated and sent me validation on XX/XX/2020 ... .they didn't do any of that. NOTHING has been provided since their original letter dated XX/XX/2020. To make matters worse, in XXXX they filed all new additional derogatory comments. I have no way to determine whether this debt is valid, whether it is old, and/or who even received XXXX XXXX. I have a family plan. I have seen many complaints about this company on the internet regarding the fact that they try to collect debt that is not valid, and engage in the same type of unethical conduct with the credit reporting agencies. It is my belief they continue filing these bogus derogatory remarks to harass and try to intimidate me into paying bills that I do not owe.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlantic Collection Agency, Inc. (CT)

I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with Those reporting agencies./// Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation , by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I lived in my home for almost 11 yrs. My husband got sick and passed away from XXXX. My home was financed with XXXX   XXXX, when they went bankrupt and my loan was sold to XXXX loan servicing. I had no choice my loan was just transferred. I had multiples debts with my spouse being sick over 2 1/2 years and tried to work with XXXX to stay in my home. They would not work with me at all.They were absolutely terrible to work with. I was basically forced out of my home with my children after they had just lost their father they now needed to move from the home they knew. They wanted XXXX dollars from me with all of the services fees and phony charges they added. I lived there 11 years and they wanted more then the purchase price of the home which was XXXX. Then then sold the property at auction for XXXX and since has been sold again. I have not resided in this home, nor this town for over 5 years. Now I am attempting to start fresh and purchase a new small house and XXXX puts recently on my credit report that I am delinquent on a loan for a partial payment plan. There is nothing owed on this loan. I have never had any partial repayment plan of any kind with XXXX that is a breach of FACRA. It is falsely reporting. This original loan ended in foreclosure, and I have all papers showing that I owe nothing on the loan.