davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KAHRS LAW OFFICES, PA (KS)

This account is a gym membership that was opened as a family account with XXXX XXXX ( address XXXX XXXX XXXX XXXX Kansas XXXX ) with an ex-boyfriend XXXX XXXX XXXX on XX/XX/XXXX. The original contract was per signed contract {$50.00} for a 24 month period ending on XX/XX/XXXX. On XX/XX/XXXX somehow the payment increased to now a {$70.00} from XXXX with additional late fees and such. 

XX/XX/XXXX during the time of signing ( XX/XX/XXXX XXXX ) of those payment were processed per bank statements on our joint account, last payment date XX/XX/XXXX. My ex boyfriend went in and canceled our auto renewal and we closed our joint bank account, which we thought would be the last of XXXX XXXXXXXX. XXXX XXXX was bought out by the XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX they permanently closed this gym articles reflect in XXXX. I never received the original notice that was alleged sent XX/XX/XXXX XXXX XXXX Never was given the opportunity to dispute debt and have now since accrued an obscene amount almost double what the original debt In the contract it does state a lot of contradicting information, my contract outlines 24 months and even though this account was closed its going against its breaching its own contract by not abiding by the terms and conditions after initial terms has expired membership will renew for same terms and continue at rate. Numerous of discrepancies with amounts and the debt itself. 
XXXX XXXX of XXXX i noticed a debt reflecting on my credit, immediately disputed it because that was the first Ive seen or heard about said establishment since closing account. XXXX deleted the debt from my report for : Accuracy There were fraudulent charges made on this account. 
The contract related to this account has been cancelled. 
Nothing until XX/XX/XXXX when my employer notified me of a garnishment with XXXX XXXX, immediately said day i go to the court house to seek help and guidance, clerks advised to request a hearing. Hearing date was XX/XX/XXXX XXXX XXXX XXXXaid attorney wasnt present at the hearing so judge called XXXX XXXX and proceeded judgement via telephone, the judge didnt even look at the information i gathered nor seemed to care that i was disputing ownership the debt or the default judgement, Ive since left numerous of voicemails at XXXX XXXX XXXX and never get anyone on the phone, the voicemail guideline to prevent a delay in a return call state leave name, employer, last 4 of social & phone number with area code, no response from the office or any means to resolve or challenge the debt, i feel violated and at a loss that i cant defend myself or that my voice isnt being heard and Im now financially insecure for a debt that isnt true or accurate, i feel the office is avoiding me because they are getting the money regardless Im just a check they are collecting on, Im pleading to have this re-examined and the garnishment to reflect accurate dues or gone completely, this is unfair and cant see how this is lawful and not against consumer rights.
Consumer complaint received 2022-08-01
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)

All Dept EDXXXX accounts are reporting late payments : They each have 1 payment that were not caused by me. MY PAYMENT HISTORY IS ABSOLUTELY FLAWLESS. Also it violates 15 U.S. Code LAW 1681i ( 5 ) Removal of Inaccurate and Invalidated Credit Information. As I understand, Im supposed to receive notice within 21 days before a late payment happens but I was not informed otherwise I would have handled the issue.

AND you guys are violating 15 U.S. CODE LAW 1681e ( b ) - Compliance procedures maximum possible accuracy. All of these accounts including the student loans are not reporting the full account numbers which makes the account inaccurate. These are the accounts that are each reporting 1 late payment. 

1. DEPT OF ED/XXXX Account Number : XXXX 2. DEPT OF ED/XXXX Account Number : XXXX 3. DEPT OF EDXXXX  Account Number : XXXX 4. DEPT OF ED/XXXX  Account Number : XXXX 5. DEPT OF ED/XXXX Account Number : XXXX 6. DEPT OF ED/XXXX Account Number : XXXX 7. DEPT OF ED/XXXX Account Number : XXXX 8. DEPT OF ED/XXXX  Account Number : XXXX 9. DEPT OF ED/XXXX Account Number : XXXX 10. DEPT OF ED/XXXX  Account Number : XXXX 11. DEPT OF ED/XXXX Account Number : XXXX 12. DEPT OF ED/XXXX Account Number : XXXX 13. DEPT OF ED/XXXX  Account Number : XXXX 14. DEPT OF ED/XXXX Account Number : XXXX
Consumer complaint received 2022-08-01
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: LEXISNEXIS (DE)

On XX/XX/2022 I called the US Bankruptcy Court of Delaware that is located in XXXX Delaware to ask if they were contacted by XXXX or XXXX credit bureaus, I was informed that no one has contacted hem on the behalf of me nor would they provide any information to any third parties. The bankruptcy court also informed me that they do not provide any information over the phone so I was very confused by the fact that both credit bureaus has stated they have verified the bankruptcy to be 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 SECTION 603 ( 3 ) ( E ) STATES ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom her or she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 15 U.S.C 1681-2 ( 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 informations inaccurate.
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

One day I woke up to a company named National Credit System on my consumer report. I do not know who they are and how they got my non-public identifying information. I have never given consent for them to furnish anything on my report. I demand a debt validation with a wet ink signature copy between XXXX XXXX and National Credit System. I also demand XXXX to block this fraudulent information immediately.
Consumer complaint received 2022-01-11
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. (OH)

I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant .617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is not accurate. The items that appear on my credit report as unknown addresses please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are phone numbers on my file that do not belong to me plead delete remove the following numbers : ( 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. 
pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is derogatory in nature as well as not accurate. The items that appear on my credit report as : 1. US BANKRUPTCY : thisfiling has missing data and is not accurate please delete. 
XXXX XXXX XXXXXXXX # XXXX : This account is listed wrong and error please delete. 
XXXX. XXXXXXXX XXXX XXXX  # XXXX : THis account is not listed properly error please delete. 
XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX : This account was discharged and listed improperly please delete.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (CT)

XX/XX/XXXX I canceled the credit card. I paid the balance in full, and canceled the card by calling the card company. I was told the card was canceled. 
In XX/XX/XXXX I was sent a statement that I owed XXXX. I called the credit card company back, and they said a charge was made for XXXX. I told them that's impossible, I canceled the card. The person I spoke to said I was correct. The card was canceled. She said an investigation would begin. 
In XX/XX/XXXX I called them again after noticing my credit score was being severely damaged because this credit card company was reporting my account delinquent. So my score has dropped. I told the credit card company this information, and they again said a dispute would be entered. Today, XX/XX/XXXX I just got another statement saying I now owe {$170.00} for an account I canceled in XX/XX/XXXX. And I was told it would be upt to 99 days until the XXXX. XXXX would be removed. But they are not removing interest and late fees on a freaking account that I nceled and did not authorize a charge to a closed account that is still being charged freaking fees. 
I don't owe them anything!!!! 
Genesis FS Card Services XXXX XXXX XXXX XXXX GA XXXX. 
My account # that I canceled a year ago is XXXX
Consumer complaint received 2022-01-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sentry Recovery and Collections, Inc. (NV)

I was with an apartment complex three years ago with a lease. I had to break the lease in XXXXXXXX XXXX XXXX due to relocation for my job. The apartment complex excessively and unnecessarily charged me and due to COVID, I was unable to pay it. I heard absolutely nothing about this issue until until just a few months ago from Sentry Recovery and Collections. I began to get repeated and harassing phone calls from this company. I attempted to call and set up a payment plan last month. The individual stated that he needed a large payment as the company was adding interest to my account every month I did not pay. I stated I could only do about $ XXXX {$200.00} a month due to my job uncertainty, and he rudely said that my suggested payment amount would not work as that wouldn't even cover the interest on my account. I pleaded with him and he was extremely rude and I hung up from the phone call extremely distressed.
Consumer complaint received 2022-08-01
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. (DE)

On XX/XX/2022 I called the US Bankruptcy Court of Delaware that is located in XXXX Delaware to ask if they were contacted by Transunion or XXXX credit bureaus, I was informed that no one has contacted hem on the behalf of me nor would they provide any information to any third parties. The bankruptcy court also informed me that they do not provide any information over the phone so I was very confused by the fact that both credit bureaus has stated they have verified the bankruptcy to be 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 SECTION 603 ( 3 ) ( E ) STATES ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom her or she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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. 

According to : 15 U.S.C 1681-2 ( 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 informations inaccurate.
Consumer complaint received 2022-01-11
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. (AL)

I have been continuously disputing with XXXX, experian, XXXX XXXX, concerning reporting/displaying invalid information on my credit report, the company refuses to provide accurate information regarding to student loans on my report, i have informed them countless times to provide me with the original instrument of indebtedness used by XXXX in order to even put this information on my credit report, this false information was original reported in 2006 i was not of age to consent to such action, as the required age is XXXX. XXXX, experian, XXXX XXXX all reported inaccurate information from credit acceptance, and refuse to follow the law and remove account from report.They allow debt collectors to put anything on reports without actually investigating the matter properly.violation 15 U.S. Code 1681s2, Prohibition ( A ) Reporting information with actual knowledge of errors 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. One items was removed liability, inconsistent score across all 3 bureaus causing adverse action, oppression, hardship to consumer
Consumer complaint received 2022-08-01
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-01-11
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. (AL)

I have been continuously disputing with XXXX, XXXX, trans union, concerning reporting/displaying invalid information on my credit report, the company refuses to provide accurate information regarding to student loans on my report, i have informed them countless times to provide me with the original instrument of indebtedness used by XXXX in order to even put this information on my credit report, this false information was original reported in XXXX i was not of age to consent to such action, as the required age is XXXX. XXXX, XXXX, trans union all reported inaccurate information from credit acceptance, and refuse to follow the law and remove account from report.They allow debt collectors to put anything on reports without actually investigating the matter properly.violation 15 U.S. Code 1681s2, Prohibition ( A ) Reporting information with actual knowledge of errors 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. One items was removed liability, inconsistent score across all 3 bureaus causing adverse action, oppression, hardship to consumer
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX without 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 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 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am filing this complaint to dispute fraudulent information that appears on my XXXX, TransUnion and XXXX consumer reports. 

Fraudulent Inquiries on my TRANSUNION CREDIT REPORT : XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX BANK XXXX Bank ) XX/XX/XXXX Fraudulent Inquiries on my XXXX CREDIT REPORT : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CITIZENXXXX 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 XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-08-01
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. (IN)

I Sent my letter off on XX/XX/2022 and again on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX and XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.