davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lendmark Financial Services (MD)

Lendmark Financial Services has filed a suit against me and I have received a WRIT of Summons to appear in court on XX/XX/2023 XX/XX/2023. I have attempted to settle this matter personally with no luck. This company has violated a number of my Consumer Rights. Without the signatures of all parties involved and without proper disclosures of my XXXX XXXX XXXX in accordance with the Federal Truth in Lending Act the legally binding contract is null and void. Lendmark has also hired a XXXX XXXX XXXX XXXX XXXX, XXXX to assist in the collection efforts of this alleged debt. This law firm has contacted me via mail and phone calls attempting to collect on this alleged debt with out my consent which is a violation of my rights to privacy. I did not consent to a third party having my information. The FDCPA is clear about the lawful actions that can be taken by a debt collector and this company has blatantly disregarded those regulations. With XXXX different companies contacting me about the same alleged debt I am confused about who is the debt collector and who is the original creditor. Lendmark has also reported false negative information to the Credit Reporting agencies. Defaming my Character and Ruining my reputation. 

15 USC 1692e False and Misleading Representation states ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

15 USC 1692i Legal Actions by debt collectors states Authorization of actions ( b ) Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

15 USC 1692j Furnishing Certain Deceptive Forms states ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Flexible Finance, Inc. (OH)

Hello I've applied and have been using Flex services for a couple of months. You must have funds available to charge on your card for your first months rent. Then the service will pay your full month it's split into to payments and a membership is charged monthly. I've been having problems and had the money. When XXXX came time to pay you can not get hold of anyone for hours. It's all thru email, no phone call, no phone service only thru customer support. I just received a eviction notice and I was charged XXXX for my bill. You have until the 5th from my complex to pay and I did and got a email the next day saying they could not charge my payment. Made no sense when I've sent XXXX emails since XXXX XXXX  on the XXXX requesting for payment to be made. I was told the next day should d XXXX XXXX that they could not post payment or had problems. I made sure there was no problems. 

Spoke with my complex and said they should of had no problems making payments. There stating you must have XXXX. And I did but they paid with a credit card which is still showing in my account. Now I am left with late fees and evictions notice. This is bull. 

Bad business ratings for this company because people can not get a hold of them. They also deactivated my account by mistake according to the rep on XX/XX/22 but reactivated XXXX XXXX XXXX apologizing for the inconvenience. The rep told me. And then took my second payment. In XXXX we had an issue they took my rent payment on the XXXX then did not pay until the XXXX. The company is flexible finance Inc. 

Please help.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 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 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 has violated my rights. 
15 USC 1681 Section 602 A. 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.

15USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-31
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. (NV)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC 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 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/2020, I opened a billing dispute with my credit card company regarding a merchant that had not refunded by account for a return, despite several attempts by me to facilitate the processing of the refund. This is a high value item ( {$1700.00}, transaction date XX/XX/2020 ), and given the difficult economic conditions we all find ourselves in, I had serious concerns about the status of this refund, and whether I would ever receive it. 

I have provided ample evidence that the item was received by the merchant ( which I will submit again here ), yet the merchant continues to refuse to provide a credit in a timely fashion, only giving assurances about a forthcoming refund that to date has not occurred. 

For this reason, as said, I opened the billing dispute with American Express and advised them of this situation in some detail. I further provided the return tracking information ( attached here as well, item received on XX/XX/2020 ), as well as the company 's own several confirmations ( also attached here ) that the item was properly received and that a credit was forthcoming. 

However, despite the clear preponderance, in fact, mountain of evidence in my favor, AmEx refuses to issue a provisional credit for this amount, which, in my view, suggests a clear bias in favor off the merchant during this investigation. In the absence of any documentation from the merchant justifying their failure to issue a timely credit, there is no justification for requiring me to carry this balance on my card ( even if interest does not accrue ), which has an impact on my credit score and is therefore of great importance to me during these times. 

I can only assume this decision is because of a commercial relationship AmEx has with the merchant, that AmEx has taken this stance. While I understand that a provisional credit is not permanent, any fair-minded reviewer of the evidence to date must agree that I have well-established my case. I do not believe AmEx therefore is acting in the spirit of an unbiased arbiter in this dispute ( as mandated by the Fair Credit Billing Act ), and therefore I am fearful of the eventual final outcome as well.
Consumer complaint received 2023-01-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (CA)

I receive a notification from my credit bureau alerts stating of a change in my credit, upon review of the notification, I was notified that there was a collection being reported against my credit a collection that was reported opened on XXXX XXXX XXXX Reviewing my credit file it looks like the collection agency called consumer adjustments XXXX, purchase a debt from a original collector called XXXX XXXX XXXX, Which I have never conducted any business with. 

I will file a police report filing a fraud claim against XXXX XXXX XXXXXXXX and I will submit an added to this report once I get the report.
Consumer complaint received 2023-01-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I have fraudulent accounts on my credit report. I have listed them and also the police report with FTC report. 

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 2023-01-06
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. (NY)

EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX RE : INQUIRY REMOVAL Dear Sir or Madam, While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : 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 I did not authorize anyone employed by these companies to make any injury to my credit score. I did NOT receive any benefit from these inquiries on my credit report and I did NOT authorize these companies or EXPERIAN to negatively impact my credit score.

I demand that they be deleted.

In addition, I did not give you EXPERIAN permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry, and giving my approval to negatively impact my credit score. 
I also demand you, EXPERIAN to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf and giving permission to you to allow my credit score to be negatively impacted without any benefit to me. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Arundina, LLC (LA)

My elderly client missed her first payment in XXXX of 2023. She contacted the mortgage servicer in XXXX of 2023 to make a payment for the missed months of XXXX and XXXX, but the servicer rejected it as a partial payment, requiring that she pay all the payments through XXXX. At the time the servicer rejected her payment, it was less than 30 days past due.
Consumer complaint received 2023-01-31
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. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-27
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. (TX)

ALL FTC VIOLATIONS ENCLOSED The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. The FDCPA covers the collection of : MortgagesXXXX XXXX, XXXX XX/XX/XXXX - ... stop collections on an additional XXXX accounts to settle the FTC 's charges that the company violated the FTC Act. XXXX will pay another {$2.00} ...
Consumer complaint received 2023-01-31
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (IN)

On XXXX XXXX I received a call from XXXX XXXX from National Credit Systems about a collection attempt from a past due rent amount that included other charges for XXXX. 
Through our conversation she was very argumentative and asked for a payment today. I told her I do not get paid until Thursday and I could not afford to make a payment until then. At the beginning of the call she made reference that they would report to my credit report if they did not receive payment. Towards the end of the call I asked directly if it was going to be reported to my credit report today and she said yes and I said so there is nothing I can do and she no... I then repeated that she has said at the beginning of the call that it would be reported if I didn't make payment and then she replied yes that is correct but you are not making payment. Then she back tracked and said she never said she threatened to report to my credit. She also called me in XXXX and I remember that I was busy trying to get my daughter ready for a funeral ( her grandfather had just passed away ) and I told her she called at a bad time and her first words were you don't even have time if it has to do with your credit report? LISTEN TO THE RECORDINGS!!!! I am not ok with the threats of using my credit report. She is also consistently insuating that I am lieing about what I am disputing and I do not appreciate someone who was not there to even try and discuss the issue at hand. When I asked to speak to someone above her she told me she is the person that handles the escalations and did not allow me to speak to anyone. I even tried to talk to her more calmly and she still went back to trying to argue the situation. Please do not allow this person to continue to treat people this way. Its not how you handle situations and you definalty do not threaten someone's credit report!!!! Again listen to the recordings!!!!
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I have previously filed a complaint regarding the negative accounts on my credit report. I have long requested for these to be removed by the three bureaus, but they have yet to take any action on this matter. These negative accounts are severely affecting me, so I am once again requesting their removal. This time, if the three bureaus still do not take action, I will file a lawsuit against them and seek compensation for the damages they have caused me.
Consumer complaint received 2020-05-21
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)

information was compromised during the massive 2017 XXXX data breach, my ' private information, including names, Social Security numbers, dates of birth, credit card numbers and driver 's license numbers. I had Credit monitoring which seem to not help ive paid for Bureaus to alert me and Ive been lock out account made me economic deprived from loan if I need to seek financial help due to my credit I havent got to open and enjoy my credit because of the mess thats been going on for years of debt I hadnt accumulated Im a victim Ive took you guys to court which some due to my email being Compromised I lost a lot of documents I couldve helped me during my court process of me already being the victim of identity theft/data breach the increase that you guys have still havent approved my credit score is a four theres a lot of suffering
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I participated in a program for a free phone from XXXX XXXX but after finding there was hidden fees and rules I decided to return it. I was to return the phone and I would receive a refund and all further charges stopped. That never happened instead they continued to charge me for a phone I had returned. after contacting XXXX with XXXX  on the line we were told the item was infact in the warehouse and that they would fix the issue, but that also never happened. In order to rectify their mistake of automated charges they we're issuing me refunds. One of the final times we spoke the representative said the issue was they weren't issuing the entire credit to absolve the debt, but she would and i wouldn't receive anything else. Some time passed after and I received a letter from Credit Collections Services in XXXX MA stating they would send me to collections if I didn't provide documents stating otherwise in approx14 days. I provided the information promptly stating that I didn't owe any debt and that the information was false. I. e. tracking number, invoice and email ; requesting they not move any further according to the law and my rights. Unfortunately, they have decided to move forward even though I've shown multiple documentations explaining in depth that there is no unpaid order, they are violating Fair Debt Collections Practices Act, section 809 ( b ). XXXX shortly thereafter emailed me requesting the payment as well as the Credit Collections Services, both attempting to collect. I do not have any devices or unpaid orders ( the date included in the bottom of the photo ). 

XX/XX/XXXX ordered. {$27.00} XX/XX/XXXX return issued. {$0.00} due XX/XX/XXXX sent XXXX XXXX  returns. 
XXXX phone arrived at XXXX facility and return issued again. 
XX/XX/XXXX charged {$28.00} XX/XX/XXXX refunded {$28.00} because the phone was returned {$0.00} due XX/XX/XXXX received collections letter dated XX/XX/XXXX in the amount of XXXX. 
XX/XX/XXXX disputed the claim with Credit Collections services XX/XX/XXXX received an email from XXXX requesting {$390.00} XX/XX/XXXX received letter from collection saying they are proceeding to collect.