davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allgate Financial, LLC (MI)

My name is XXXX XXXX. I am submitting this complaint because a collection company ( JH Portfolio Debt Equities ) ( the " Collection Company '' ) continues to pressure me to pay the credit card debt of my late husband ( XXXX XXXX ) who passed away in XXXX of XXXX. XXXX entered into a credit card agreement with XXXX XXXX, solely in XXXX 's name, of which I had not agreed in any manner to be bound by. Indeed, I was not even aware of the existence of the credit card until after my husband 's death. While I was named as an authorized user of the account ( I am not sure how this was set up, as I was not aware of, or in possession of the card ), I was not a joint account holder, and did not agree to be bound by the account terms. I have made the above facts clear to the XXXX XXXX on several occasions and have asked the XXXX XXXX to provide evidence of my consent to be bound by the account terms. I have also attempted to explain to the XXXX XXXX that Michigan ( where my family has lived my entire life ) is not a community property state and therefore a surviving spouse is not responsible for credit card debt held only in the name of the deceased spouse. The XXXX XXXX has not offered any evidence that I agreed to be bound by the account terms or that I am a joint account holder. It seems to be relying on my apparent status as an authorized user to support its claims, and instead has filed multiple complaints against me with the court, has accused me ( in XXXX hearing in court ) of " having no respect for the law '' has surprised me at the door of my home with threatening process servers, and has bullied me with threatening communications. XXXX of the aforementioned complaints was filed in XXXX and a second was filed in XXXX. The XXXX complaint was dismissed without prejudice. The XXXX complaint is pending. Given my age and health status, these complaints, and the attendant court appearances that are required to respond to motions, arbitrations, and other hearings, as well as the related stressful interactions with the XXXX XXXX, have a significant negative impact on my physical and mental health. I therefore urge the XXXX to intervene and stop these unlawful, aggressive, abusive, and unjustified activities by JH Portfolio Debt Equities. I also request guidance from XXXX on how I can file a counterclaim for the harm caused by this Collection Company.
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

Jefferson Capital has tried numerous times in the past to collect a debt that I did not owe. After years of trying to get them to remove this from my credit report and cease collection, they finally did so. However, they have tried sending collection letters to me and to an address that I have not lived at for over 20 years trying to collect money that they insist I owe them. The debt itself was already over 10 year old, but they changed the dates to say it was from 2015, which is a lie. However, per XXXX XXXX. Laws 600.5801 et seq., this debt is already past the statute of limitations even with the new date falsified by Jefferson Capital.

They are breaking the law in at least two ways : 1 ) Attempting to collect a debt that is already past the statute of limitations 2 ) Illegal contact of someone, other than myself, in an attempt to collect this false dept.

I was embarrassed to be contacted by this person from a former address that now thinks I do not pay my debts.

Based on federal law, I am due compensation for these acts. I would like to settle out of court, if possible, but am already in contact with legal council on this matter.
Consumer complaint received 2022-07-28
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct these erroenous accounts being reported on my File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/ 2022 and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX & XXXX XXXX XXXXXXXX Late Dates XXXX XXXX XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2020-05-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX of 2019 it was brought to our attention by XXXX that our bill was delinquent and that we owed {$120.00} which was promptly paid. The account was set up on direct withdrawl and the card had expired which we were never contacted. The amount was promptly paid in XX/XX/2019 with no monies owed aside from our monthly bill from that date until now. I provided the information to TransUnion and XXXX where it appeared, screenshots and account status, XXXX  has removed the inaccurate reporting however TransUnion replied that the account has been verified which is not possible, my account evidences this. This is keeping myself and my wife from being able to refinance our home due to the score this is hurting. I can provide statements to show the discrepancy was paid on XXXX XXXX, 2019, I can provide a copy of my account evidencing, I can also provide the proof that XXXX  removed this from my account.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-07-28
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. (KS)

Account Number : XXXX XXXX XXXX is reporting this account as a " collection '', in which it should not be any derogatory mark. I paid this account in full when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a utility that was never late or charged off. The balance shown is an erroneous amount that was caused by the company 's flawed equipment records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and turned in all my equipment, then paid any balance owed. XXXX XXXX manager stated my account was at a XXXX balance and my account was closed, in 2019. This account is damaging my creditability and providing emotional hardships to XXXX  XXXX XXXX XXXXXXXX  XXXX XXXX.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (CA)

Dear XXXX, Effective immediately, your Aspire Credit Card credit limit has been decreased to {$100.00}. On XX/XX/XXXX, your account will be closed to further transactions. 

XX/XX/XXXX Account ending in : XXXX Please note that if you have a balance, even though your account is closed, you are obligated to pay us at least the minimum payment on your account in a timely manner. In addition, in accordance with your Cardholder Agreement, as long as your account has an outstanding balance, you will be billed an annual fee on the anniversary date of the opening of your account and you will be billed an account maintenance fee each month. 

You will continue to receive monthly billing statements until your account is paid in full. Please stop all automatic charges from utility companies, Internet providers, and other retailers or merchants to your account immediately. 

Your experience with Aspire is important to us. If you have any questions or comments, please call our Customer Service team at XXXX Monday through Sunday from XXXX a.m. to XXXX a.m. EST ( Eastern Standard Time ). 

Thank you for choosing Aspire! 

Sincerely, Aspire Customer Service Please do not reply to this e-mail as we are not able to respond to messages sent to this address. 

Banking services are provided by XXXXXXXX XXXX XXXX XXXX XXXX, MO, Member FDIC. The Aspire Banking Debit and Aspire Credit Cards are issued by The XXXX XXXX XXXX  pursuant to a license from XXXX and may be used everywhere XXXX debit cards and credit cards are accepted. XXXX All rights reserved. XXXX is a registered trademark, and the circles design is a trademark of XXXX XXXX XXXX.
Consumer complaint received 2022-07-28
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

This is my third and last attempt to get answers from BOA : 1. It is hard for XXXX to understand why BOA is not providing these two accrued interest and late fees charges during the default time period between XX/XX/XXXX through XX/XX/XXXX. 

TIME PERIOD INFORMATION SOUGHT FROM BOA XX/XX/XXXX - XX/XX/XXXX Interest Accrual History was NOT provided XX/XX/XXXX - XX/XX/XXXX Late Fees Accrual History was NOT provided 2. XXXX has also requested BOA through CFPB to provide the copies of the certification of the original Countrywide HELOC NOTE ( # XXXX ) which contains original signatures of the certifying entity, the original seal and the notary signature. BOA has an obligation to provide the requested copies. However, BOA has not complied with XXXX 's requests. 

These two requests are for the time period when BOA was servicing the loan so by law they must provide the requested information. XXXX is preparing to file a complaint in XXXX XXXX XXXX XXXX Nevada against Bank of America Home Loans et al., and the two pieces of information being sought will be part of the complaint.
Consumer complaint received 2022-07-28
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. (CA)

How many letters and how many complaints will it take me to have the Credit Bureaus take action and have the disputed items corrected on my Credit File? The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX Balance {$13000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} Date opened XX/XX/XXXX THE XXXX  XXXX XXXX  XXXX Balance {$270.00} Date opened XX/XX/XXXX 2018
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

I recently applied for credit and was denied, upon receiving a copy of my report I found the following errors 1.XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. Account Number : XXXX XXXX. 42 U.S. Code 1320d Account Number : XXXX XXXX. 42 U.S. Code 1320d Account Number : XXXX XXXX. 42 U.S. Code 1320d Account Number : XXXX XXXX. 42 U.S. Code 1320d Account Number : XXXX XXXX. 42 U.S. Code 1320d Account Number : XXXX XXXX. 42 U.S. Code 1320d Account Number : XXXX
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

On XX/XX/2020 I applied for auto financing through XXXX XXXX XXXX XXXX. They provided me a credit score of XXXX- source Equifax . I contacted Equifax to verify my low score though myEquifax and through customer service. I was giving a score of XXXX through myEquifax. I asked the customer service person what the discrepancy to my score. He mention that the lenders are using different scores. I told him that the score source came from Equifax. He proceeded to sell me a premier service - this is the only way to get a good score. I told him how could I purchase a premier service if i can't get a true score from you now. 

If these credit company are providing credit numbers that are different for the consumer and lenders how am I to get credit?
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2020-05-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am submitting this complaint about experian credit reporting agency. I recently submitted a dispute with them in regards to my XXXX  XXXX. It is marked on my credit report that I was more than 30 days late ( which is incorrect ). Today XX/XX/2020 I received a report with the investigation results. It shows my previous activity then shows the results after the dispute. ( They are the same ) yet it notes that there were some changes. Due to some work loss being laid off from work due to the corona virus I had lost some work. My company had closed. I immediately contacted XXXX XXXX and advised them if they can work something out with me as far as payments till I return to work. I was told I can participate in a 3 month program where my interest rate will be lowered and my payments would be lowered. I stressed over and over that I don't want this to be reported to the creditors as late I was assured it would not be as long as I made the monthly payment. I even made more than what I had to make. I am still be marked as 30 days late. Which in turn is affecting my credit score in a very negative way. I contacted XXXX cards and told them the issue and was advised again that the 30 remark would be removed and corrected and was given an apology for the error. It was never removed. I was then told dispute it with experian again. Well trying to submit a dispute online I can't do. There website keeps coming up with error message. I am upset that due to national disaster and loosing work affected my credit score like this.
Consumer complaint received 2019-04-09
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. (TX)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX ( Please see page 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-02-16
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: Diversified Adjustment Service, Inc. (FL)

I have no knowledge of this XXXX  credit error showing on my credit report. I was a victim of Identity theft and reported it on XXXX & XXXX. I dont know if this is associate with that but this is not my debt. I have mailed out 2 request to the credit bureau and the company. I have not received a response from the credit bureau and XXXX told me they have no record of an account with me. I need this collections removed
Consumer complaint received 2023-02-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc. (FL)

National Credit Systems reported in XX/XX/XXXX that I owed XXXX XXXX XXXX XXXX {$8200.00}. I contacted them immediately @ XXXX to find out what this was, that I never lived at a XXXXXXXX XXXX XXXXXXXX XXXX. I was then transferred to the collections supervisor XXXX @ ext XXXX. He told me it was an apartment in XXXX NC, I explained that I have never lived in XXXX NC. He provided me with an account # oand told me to go to IdentityTheft.gov and file a report. I did that on XX/XX/XXXX. I sent National Credit Systems twice a copy of my Identity Theft Gov letter, along with my social security card, drivers license, previous divorce paper, new marriage license, and my last three leases to show that I have lived in XXXX since XXXX of XXXX. I called Nation Credit back in XX/XX/XXXX, spoke with XXXX again and asked him the status of this, he told me that they have been in touched with apartment complex and requested a copy of the lease and a copy of my drivers license and was told by XXXX XXXX XXXX XXXX that they did not have this or any file for me. I asked him why then is this on my credit report and he told me that they have 30 days to provide documentation. I explained that me and my husband are trying to purchase a restaurant, he told me he understood. In the beginning of XX/XX/XXXX I called National Credit Systems back, spoke with XXXX again. This time he had an attitude, I told him that my restaurant deal fell through because of this collections on my credit report. I asked him why has it not been removed he told me that they did not receive a police report with my fraud packet. I told him I don't have to file a police report I am and have been in a different state, that the apartment complex can't even provide a lease or a drivers license that this is not right because this debt is not mine. I told him I was going to file a complaint, and he told me OK do that. Please help me this debt is not mine, they know this and will not remove it from my credit report.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

Account Number : XXXX XXXX XXXX is reporting this account as a " collection '', in which it should not be any derogatory mark. I paid this account in full when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a utility that was never late or charged off. The balance shown is an erroneous amount that was caused by the company 's flawed equipment records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and turned in all my equipment, then paid any balance owed. XXXX XXXX manager stated my account was at a XXXX balance and my account was closed, in 2019. This account is damaging my creditability and providing emotional hardships to remain XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have mailed out XXXX request to the credit bureau informing them that the late payments that are reflecting on my credit report are inaccurate and its a credit error. I have not received any response so I am taking the next step necessary. This is affecting my credit and I am not able to purchase a home at this time
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, XXXX, and TransUnion XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX