davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Illinois XXXX XX/XX/year> Jefferson Capital LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on ( Date ) or a listing on my credit report ( Choose Which Sentence Best Represents Your Situation ). Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. 
( OPTIONAL CEASE & DESIST ) I would also like to request, in writing, that your offices make no further telephone contact to my home or place of employment. If your offices continue to attempt telephone communication with me, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
Best Regards,
Consumer complaint received 2020-01-23
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT RELATE TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED ME. THEY HAVE BEEN DAMAGING MY CREDIT AND HARMING POTENTIAL LOANS THAT I APPLY FOR. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT AND ITS EMBARRASSING BEING DENIED FOR A SIMPLE LOAN. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT.
Consumer complaint received 2020-01-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have requested in previous letters to Transunion, to have Public Records Information re-investigated pursuant to the Fair Credit Reporting Act. In their response they claim that this information was in fact confirmed as mine. I have requested their " METHOD OF VERIFICATION '', yet they have not provided it to me. I have contacted the Court listed and they have stated that they do not provide any such information to the Credit Bureau 's. It is impossible for them to have verified any information with the Court and I have Security Freezes on all other Data Furnishers. It is impossible for them to have verified this information and my Consumer Rights have been Violated by their inaction to correct this matter by deleting this inaccurate information from my credit file.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX, TRANSUNION, AND XXXX IS KNOWLY AND FALSELY REPORTING INFORMATION FROM XXXX XXXX AND XXXX XXXX THE DEBT PURCHASER. THEY REFUSE TO CHANGE THE DATE OPENED ON THE ACCOUNT TO INJURE MY CREDIT STANDING AND THEN SELL ME CREDIT CARDS.
Consumer complaint received 2020-01-23
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNTS DOES NOT RELATE TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED ME. THEY HAVE BEEN DAMAGING MY CREDIT AND HARMING POTENTIAL LOANS THAT I APPLY FOR. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT AND ITS EMBARRASSING BEING DENIED FOR A SIMPLE LOAN. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT.
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (NC)

In accordance with Fair Credit Reporting Act XXXX  Account XXXX ( original creditor XXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 A States I have the right to privacy. 15 USC 1681 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

RADIUS GLOBAL SOLUTION Original creditor : XXXX in the amount of {$510.00} is currently trying to collect a debt from me after this same account was deleted on XX/XX/year> from my report under a different name. XXXX XXXX XXXX  Original creditor : XXXX  in the amount of {$510.00}. XXXX and XXXX bureaus re-inserted this debt back on my credit report XX/XX/year>. I disputed this debt with the credit bureaus on XX/XX/year>. I asked to please provide me with debt validation and original contract I signed that states I owe this debt.
Consumer complaint received 2020-01-24
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)

I have noticed the following on my credit file XXXX XXXX Bankruptcy These are not mine. They are either a result of identity theft I have experienced or an error. Please remove immediately and do not report again.
Consumer complaint received 2019-12-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX was paid by me and my insurance companIes. I had XXXX XXXX XXXX XXXX XXXX first  and a hospital indemnity secondary insurance. I reached my maximum out of pocket prior to being treated at XXXX. Which means my insurance would pay for 100 % of my medical bills because I had already spent {$4000.00} in medical bills. The lady at XXXX lied about verifying my insurance, because she informed me I needed to pay a {$1200.00} copay ( which was absolutely false ). I was given no other choice because I needed to be operated. XXXX was paid over {$50000.00} by XXXX XXXX XXXX XXXX XXXX  first. Eventually they even refunded me over {$700.00} because of the mistake they made in regards to my insurance. I also never received any information regarding this debt in writing nor from my surgeon during post op visits, he is affiliated to XXXX.
Consumer complaint received 2023-02-27
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (TX)

Experian slashed my FICO credit score by XXXX points for no apparent reason. There is no negative item on my report that could be disputed. I have been trying to resolve this issue for last three days. Today ( XX/XX/2022 ) I spoke with Experian Credit Score department and they admit that it was a system error but they refuse to correct it.
Consumer complaint received 2022-07-06
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)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX ; XXXX RI XXXX ; XXXX XXXX ; XXXX, XXXX, L ; XXXX, XXXX, XXXX ; XXXX XXXX AV XXXX, CA XXXX ; XXXX B XXXX XXXX XXXX XXXX, CA XXXX; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX ; XXXX XXXX LA XXXX XXXX LA XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$85.00} ; XXXX XXXX XXXX XXXX Owed XXXX {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-03-05
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: Coastal Credit, LLC (IN)

I have contacted Coastal Credit ( inquiry XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX ), and XXXX. I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (VA)

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 XXXX : Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  : Account # XXXX, XXXX Account # : XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX : Account # XXXXXXXX XXXX  : Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681eb : A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the reportEach permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).

15 USC 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 2022-07-06
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: Mr. Cooper Group Inc. (CA)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an Incorrect Account which is : NATIONSTAR XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$37000.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that this NATIONSTAR Late payment XX/XX/XXXX 30 days late will be removed.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AR)

On XX/XX/2023 at XXXX money was taken from my account by a company named XXXX. I have never came in contact with this company whatsoever. So at XXXX {$180.00} was taken from my account. At this time I was at XXXX and I swiped my card at XXXX. I was notified that money was taken from me from spectrum. I drove home so I could get in contact with my bank which is Chime. Before I made it home another {$180.00} was taken out. By this time I made it home and I called chime to dispute these transactions and to lock my card. As Im on the phone with chime {$500.00} was taken from me! I was panicking on the phone because I didnt understand who and what was taking my money right before she locked my card {$110.00} was taken out! So I filed a dispute and the lady told me that I would be getting an email from chime support that never came the next two days. So I called them I emailed them several times trying to get my money back which was {$980.00} total. They told me I had to wait 45-90 business days before I could get my money back due to an investigation. I have proof of where I was at at the time and what I was doing so how could I be the one spending the funds? On top of that it says that its a internet and cable company. A internet and cable company would not make 4 different transactions if it was real. Im a single mom with no money, no place to go, and hungry! Im begging you guys to please help me get my funds back please. I even looked up the number on the internet and it stated that the number was associated with fraud and I have proof of that also.I have the times when I was on the phone with chime when money was taken out also. I can not wait 90 calendar days for my money back Im in need now and it has caused me and my family so much stress. If you guys need more information my number is XXXX and my email is XXXX thank you for your time.
Consumer complaint received 2023-02-27
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX  XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also , this bankruptcy file date is wrong and this bankruptcy are out of statute for reporting on a credit report. And it should no longer be reported because it is past the 5 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. 
Bankruptcy XXXX XXXX-discharged Reference number : XXXX Filed on XX/XX/XXXX Court : US BKPT CT MI XXXX Bankruptcy : Discharged XXXX Reference number : XXXX Filed on XX/XX/XXXX Court : US DIST CT XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : U.S. Bankruptcy Court
Consumer complaint received 2024-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

XX/XX/year>, I went to bed and my guest XXXX XXXX had left my home. At the time I had my phone with me in bed. XXXX had re-entered my home without my knowledge and at XXXX XXXX my phone was taken without my knowledge or consent by XXXX XXXX, which you can see on camera from the provided footage. At XXXX XXXX  the transfer of {$1400.00} to XXXX XXXX with the handle XXXX XXXX was completed by XXXX XXXX. XXXX is seen leaving my home at XXXX XXXX When I woke up, I searched XXXX XXXX XXXX XXXX  and found it under clothes in my guest bedroom. 

I was not aware of anything until I realized I had not paid my mortgage on XX/XX/year>. When logging onto Cash App to transfer the funds my Tenants transferred to me, I realized it was short. Thinking it was a tenant who was late on rent, I saw the unauthorized transaction of {$1400.00}. I immediately contacted Cash App and have had no success getting my stolen money returned, despite the countless efforts I have made. 

evidence : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (MT)

I am submitting this complaint regarding GM Financials refusal to offer a review of my husbands car loan interest rate and payment terms despite his status as a XXXX XXXX XXXX XXXX. His loan currently has an interest rate of 21.95 %, which is significantly higher than the rates typically offered to veterans by other institutions. Furthermore, GM Financial has refused to negotiate on payment dates to accommodate his financial situation. 

I have made two formal requests by letter and phone on his behalf, asking GM Financial to reconsider the rate and payment schedule in light of his protected veteran status and current financial constraints. During both phone calls, representatives were dismissive, stating that if he did not like the rate, he should not have signed the contract or I should go elsewhere, ignoring the fact that he is a Protected Veteran. 

During these calls, representatives also thanked my husband for his service but maintained that contracts can not be amended, which is both factually incorrect and an inflexible stance given our circumstances. 

I find this treatment highly inappropriate, especially considering that many other financial institutions offer veterans more favorable terms. I am seeking a formal review of his loans interest rate and payment schedule. GM Financials unwillingness to negotiate or provide any veteran-related accommodations has left him in a precarious financial position, despite our good faith efforts to resolve this matter. 

Their refusal to engage in good-faith negotiations, combined with their unwillingness to put anything in writing, raises concerns about their commitment to fair and transparent business practices, particularly regarding veterans issues. It is troubling that, despite my formal letters, I have yet to receive the requested formal response outlining their position.

Specific Issues : 1. Lack of Written Communication : GM Financial has failed to provide any written responses despite my explicit request in both lett
ers.

2. Dismissive and Patronizing Phone Calls : The tone of the phone calls was highly unprofessional and dismissive of my husbands veteran status. Representatives repeatedly stated that contracts can not be amended, which is legally incorrect.

3. Failure to Respond to Formal Letters : Despite sending two formal letters outlining my requests, GM Financial has not responded as requested in writing, raising concerns about their transparency and professionalism. 

Thank you for your consideration and assistance in resolving this matter.