davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (GA)

Genesis FS Card Services has falsely and, in my opinion fraudulently, claimed on XX/XX/2023 that a payment to my account was rejected by my bank. They provided zero evidence for this and indeed my bank shows no attempt to actually make such a charge. The company has flat out lied in order to charge me a fee. They provided no evidence of their claims, they simply lied in order to charge me a fee.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have requested EQUIFAX to update my personal information they are reporting on my credit report however they have not done so or respond back to me requesting unnecessary required information in an attempt to stall or prevent me from updating the information they are reporting on my credit file. Equifax continues to report inaccurate information regarding my name, address 's ( that are nonmailable address 's ), phone number 's, employment and other information in regards to who I am. This false and unauthorized information Equifax continue 's to report on my credit reporting file has caused me so much stress, anxiety, denial of credit, hardship, lost of personal property, homelessness, the ability to find affordable and safe housing for myself and my family, and XXXX XXXX blocks on my rights to presue happiness on this journey called life we all are seeking. I have filed an identity theft report with the FTC and I am in the process of seeking approval for a new home. I need ALL of my credit reports to say the same thing across the board in order to raise my chances of being approved. As a consumer reporting agency Equifax has assumed a vital role in assembling and evaluating consumers credit and other information. According to 15 USC 1681-3 ( A ) ( i ) my report should not contain information solely as to transactions or experiences between the consumer and the person making the report. So how is it possible for you to verify anything you are reporting on my consumer credit file. Equifax is violating my federal protected consumer rights!
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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.

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 15 U.S.C 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 U.S.C. 1681s-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 2023-07-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (GA)

On Tuesday, XX/XX/XXXX around XXXXXXXX XXXX, I received a suspicious phone call from someone who claimed to represent a debt collection agency with XXXX XXXX XXXX. He knew my name, my email address, and the address of my previous residence. He insisted that I had a {$170.00} debt that needed to paid urgently, and that it has already hit my credit. 

He was very insistent that I pay immediately through his guidance on the phone, but I hesitated to oblige and eventually hung up, so he would stop pressuring me. I don't think the call was coming from within the US. It felt like a scam. 

I then went to check my credit to see if there was any truth to what he said, and I was shocked to see that my XXXX score was indeed affected. A company by the name of Creedence Resource Management had reported this falsified {$170.00} debt to my XXXX account. 

I searched this company online to discover that dozens of others have been victimized as well - virtually all of them mentioning a similar scam involving a falsified debt with XXXX XXXX XXXX. 

It's been about a year since I've used XXXX XXXX XXXX. The apartment that I lived in at the time bundled this service with my rent, so I paid the property management company every month, and they paid for XXXX XXXX XXXX XXXX service under my name. I received an electronic bill every month from XXXX XXXX XXXX for {$0.00} to acknowledge the payment. 

At no point should I have accrued any kind of missed payment from XXXX XXXX XXXX, and if so, one would think they would contact me directly with a notice. 

Because my XXXX XXXX XXXX account closed after I moved out, I don't even have an account to log into to see if there is even any kind of debt to pay. My email is no longer on file for them. I'm sure XXXX XXXX XXXX can verify all of the information I have shared above. 

I can only assume that this scam company obtained my personal information as a result of a data breach on XXXX XXXX XXXX XXXX end earlier this year. I'm filing this report to bring attention to the issue, and to use as documentation for the dispute I've filed with XXXX. 

I am attaching a screenshot of the derogatory mark from my XXXX XXXX account, and screenshots of some of the XXXX reviews Credence Resource Management has received - showing that others are dealing with the same issue. 

I am also attaching the final email bill of {$0.00} I received from XXXX XXXX XXXX, which was sent to me several months after I moved out. I moved into my new house in XXXX of 2022, and do not currently have any service or account with XXXX XXXX XXXX.
Consumer complaint received 2017-04-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (LA)

LVNV is reporting a debt on my credit report, XXXX and XXXX, this company, LVNV, has not validated this debt as per my request and as per fdcpa, they are in violation of FCRA and subject to a XXXX fine.
Consumer complaint received 2023-05-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Management Group, Inc. (GA) (NV)

In reviewing my credit report I found an account on collection held by XXXX XXXX PH : XXXX XXXX XXXX Amount : {$2700.00} Original XXXX XXXX XXXX XXXX XXXX XXXX Florida It is true that I was XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX but my bills were paid my XXXX and since I had never heard of such debt ( no one ever contacted me about it ). On XX/XX/2023 I contacted XXXX XXXX of XXXX Florida, Billing inquiries, PH : XXXX XXXX XXXX, and after searching using my name and date of birth they were not able to find anything on my name, they did tell me that since it was an older bill they would be better able to tell me something if I could provided an invoice number. 
So, the same day, XX/XX/2023 I called XXXX XXXX, the lady that took the call, after I identified my self and explained what I needed, told to call XXXX XXXX XXXX where they would be able to provide me with the invoice number, the number turned out to be for XXXX XXXX XXXX XXXX XXXX XXXX 
I called them again and them some other lady took the call and after a bunch of bla bla told that she would email me the information, which she didn't. 
I'm sure that when you talk to them they will denied all of this and will tell you that I'm an old man and didn't understand what they were saying, and that I gave them the wrong email. It is true that I'm XXXX years old, but I assure you that I'm not senile and that what I just wrote is the truth. 
I'm sure that you will be able to clarify this situation. 
I appreciate your help, thank you.
Consumer complaint received 2023-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (ME)

On XX/XX/2017 Midland Funding opened a collection. 
Account # : XXXX XXXX $ that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have no written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 


XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NC)

Account ending in XXXX. On XXXX  I opened 5 billing disputes against the same merchant. The merchant wasnt able to fulfill my orders and advised me, in writing, to charge back those transactions with my bank. I uploaded a copy of this communication to Amex. 

On XX/XX/, Amex credited my account for the disputed transactions. This credit is usually temporary pending dispute investigation. 

On XX/XX/, Amex closed t he 5 dispute cases in my favor. It has been more than 30 days since I filed the dispute. Amex gives merchants 20 calendar days to challenge charge backs, that time has now passed and the credit balance is no longer temporary. I submitted multiple requests to Amex to refund the remaining credit balance without success. Every time I receive the following message : We wanted to let you know that unfortunately we are unable to process a wire transfer at this time. Your account is under review with another department.
I never received any sort of communication from that department r

egarding this review. Under 12 CFR 1026.11, Am
ex is required to refund any part of the remaining credit balance within 7 business days from receipt of a written request from the consumer.
Consumer complaint received 2023-07-03
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. (NY)

AS OF XX/XX/XXXX OF NOTICED FRUADULENT ACCOUNTS DISPUTE RESPONSE! 
THE XXXX credit bureaus and the company named below took more than 45 days to respond according to the " FAIR CARES ACT '' law ALL COMPANIES INVOLVED ARE NOW IN VIOLATION OF THE LAW!! 

NAME : XXXX XXXX XXXX Balance {$13000.00} Balance updated XXXX XXXX, XXXX Original balance {$13000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. Status updated XX/XX/XXXX Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

RESPONSE DISPUTE! 
15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-05-09
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. (NV)

I am a victim of identity theft. The information listed in attachment which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. 
It is the result of identity theft. 
I have disputed these accounts with you since XXXXXXXX XXXX XXXX and NO action was taken. 
section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX BUSINESS DAYS and to promptly notify the furnisher ( s ) of that information. As consumer I am requesting these accounts to be deleted IMMEDIATELY Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2015-11-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Walwick, Inc (CA)

Governed by XXXX ( a ) sets forth the required contents of a typical collection, or dunning, letter : ( a ) Notice of debt ; contents ( 1 ) The amount of the debt ; MCA indicates this is multiple accounts and list XXXX. ( 2 ) The name of the creditor to whom the debt is owed ; NOT PROVIDED ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; NOT PROVIDED ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NOT PROVIDED And leads me to believe it also violates the following - XXXX : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' XXXX ( XXXX ) ( A ) : A debt collector may not falsely represent " the character, amount, or legal status of any debt '' XXXX ( XXXX ) : A debt collector may not use " any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' XXXX XXXX. XXXX specifically provides that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including, without limitation, collecting " any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ''
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are some hard inquiries on my account which i never ever applied for i never run any loan or any credit card or anything with th creditors and they still put hard inquiries on my credit report i dont know why but the best explanation i can think of is someone else would have run my social to get anything which results in this please look after on the hard inquiries please.
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX Accounts : 1. XXXX XXXX- REPORTING 4 MISSED PAYMENTS 2. XXXX XXXX XXXX XXXX-REPORTING 1 MISSED PAYMENT 15 USC 1681 SECTION 602 states I have the right to privacy.

15 USC 1681 SECTION 604 SECTION 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC code 1681a states Defintions ; rules of construction - Exclusions. -- Except as provided in paragraph the term " consumer report '' does not include -- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B states - A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
THE FCRA ALLOWS 30 DAYS FOR THIS TO BE RECTIFIED.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Update to XXXX # XXXX Received this letter by XXXX from XXXX XXXX on XXXX, also received a call from the representative that this may take up to 90 days for " Forbearance '' to be removed from my credit report. 

My mortgage is paid in full, including the two month " grace period '' XXXX XXXX offered. 

The XXXX XXXX # XXXX submited XX/XX/2020 I hold a home mortgage with XXXX XXXX, and they have been on autopay up until XX/XX/2020. XXXX XXXX offered deferment of payments for 3 months, due to Covid-19 hardships ( like many banks ), but did not disclose at the time it would report my mortgage as Account In Forbearance, and further, show Amount Past Due on billing statements. No other banks or lending institutions did this.
Consumer complaint received 2023-07-03
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. (GA)

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. 

Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 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 U.S.C. 1681s-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 2023-07-03
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. (TX)

in accordance with the Fair Credit Reporting act XXXX  account XXXX number XXXX account US DEPT ED number XXXX and account USDOEXXXX number XXXX has violated my rights. 

Law 15 U.S.C. 1681 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 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

During Covid federal loans payments are supposed to be suspended with 0 percent interest. When I didn't make the payment, they said my loans didn't qualify and I should do forbearance. I signed up for that. 

My credit report and StudentAide.gov both state that I have 0 interest. I received a letter in the mail this week that said I was being changed interest. 
I called and was told I didn't qualify for the no interest. 

We are in a national pandemic and the federal law says no interest. I made these loans with the department of education and now they are saying they are private loans. I did not take out a private loan so I should not be changed. They would do nothing to work with me.
Consumer complaint received 2023-07-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

BANK OF AMERICA has listed this account as Chargeoff on my Consumer Report for months, I mailed them a letter asking the meaning of the word ( CHARGEOFF ) and they responded with a validation letter. 2 months later they notified me via email that XXXX will be servicing the account moving forward. Ive never arranged for ( XXXX ) to have my information, I never was granted the opportunity to opt out of sharing my information and it was never disclosed to me that I was opting into sharing my information upon applying for this account.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Per XXXX, an account was opened for services on XX/XX/XXXX, at address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas, an address I have never been my residence. In addition it is to my understanding the services went on until XX/XX/XXXX. I was informed on XX/XX/XXXX, the investigation was completed, of which, I was never informed of the out-come of the investigation. My wife and I was in the process of purchasing a home and due to time restraints I was forced to pay XXXX, because the company was not at all willing to help me with this issue.