davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

On Saturday, XX/XX/XXXX I contacted XXXX and opened a claim about ( XXXX ) gift cards my dad purchased for me XXXX XXXX, XXXX at XXXX. He gifted them to me for XXXX, however I was never able to use them. I attempted to use the cards to make an online purchase. Both attempts with both cards failed. I then logged onto the vanila gift site to check their balances and both cards had the funds drained immediately after purchase. Card # XXXX was drained of {$390.00} within XXXX minutes of purchase. Card # XXXX was drained of {$390.00} within XXXX hours of purchase. 
Since XX/XX/XXXX, XXXX has refused to honor their claim that they would refund me. I initially called them and explained what happened. They claimed they would refund me after filling out their refund packet. In the span of ( XXXX ) months, the company has only given me a runaround, claiming they never received the packet, which is impossible because I've sent it now well over XXXX times. 
I have begun to take notes after my phone calls with them. I have notes from the calls on dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
These are my notes from dates I have sent them emails with the packet attached. 
Dates : XX/XX/XXXX sent form, asked for update XX/XX/XXXX, sent forms again XX/XX/XXXX, asked for update and resolution XX/XX/XXXX, sent forms again XX/XX/XXXX, sent forms again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DC)

You are in violation under 15 U.S.

Code 1681i ( 5 Removal of Inaccurate invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy You have violated law 15 U.S.C.

Sec. 1681 ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether loan balance, last date reported, date last active is inaccurate. 
XXXX XXXX XXXX Please remove this account immediately
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (CA)

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 2024-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

The date of this debt is unknown. They do not have it listed. The amount they have is {$630.00}. I received a collections letter from this company regarding a debt from XXXX. I do not have XXXX, I have never had XXXX, I don't owe XXXX anything. When I call them, they refuse to answer any of my questions or transfer me to a higher authority. 
I want this removed from my credit reports and I want them to leave me alone. 
15 USC 1692C - If a consumer notifies and debt collector that the consumer refuses to pay a debt, the debt collector must cease all communications. 

The company name is Jefferson Capital systems LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (MO)

US Bank is improperly reporting on my credit report because they are greedy and refuse to do the right thing so it's all lies that they are turning in on my credit report. I'm not receiving my security interest or nothing. They have been a headache all the way around
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Mercury Financial Intermediate LLC (GA)

I currently have a closed MERCURY XXXX account thru XXXX XXXX  XXXX XXXX that I am currently paying on. Before the account was closed the credit limit was {$2500.00}. On XX/XX/XXXX the company offered me a settlement amount of {$1100.00} where the rest of the balance that was owed would be canceled and I accepted this offer. Since that time and up until now, I've paid {$340.00} towards this settlement amount which would make the current balance owed {$810.00}. Unfortunately this company continues to falsely report an inaccurate balance of {$2300.00} instead on all three credit bureaus even after I've called them twice to correct this issue. 

I've also disputed this account on several occasions this year with XXXX, XXXX, and XXXX to correct inaccurate errors pertaining to the payment history for this account and each time some of the same errors still exist. The payment history for this account is still inaccurately reporting that for XX/XX/XXXX and XX/XX/XXXX that I was 60 days late. XX/XX/XXXX was paid on time under the payment agreement! Then XX/XX/XXXX inaccurately shows me as 90 days late yet I paid on time for that month. Then again XX/XX/XXXX is being reported as 60 days late. The payment history that is being reported across all three bureaus is inaccurate because it doesn't follow the 30, 60, 90, 120 day sequence. 

I am demanding that the balance for this account to be updated to {$810.00} and that the payment history be fixed across all three credit bureaus or delete this account from my reports immediately. In the event that this account isn't corrected or deleted across all three bureaus then I will retain an FCRA lawyer and seek damages. I'm fully aware that this account is in violation of 15 USC 1681 s-2 ( b )
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

I discovered errors on my credit report in connection with 15 USC 16c-2. The inquiries were not authorized by me, and this is hurting my credit score. Please remove all unauthorized hard inquiries. Thank you.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Requested validation of the debt from the original creditor XXXX XXXX XXXX XXXX to which now MERCHANTS & MEDCAL the debt buyer have been reporting the open account open and active since the purchase to which XXXX XXXX XXXX XXXX have charged off and closed the account prior selling it to MERCHANTS & MEDCAL
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NV)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX XXXX Experian XXXX XXXX XXXX, XXXX XXXX XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Here is a list of the unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I demand that you delete these inquiries immediately and send me a new, updated copy of my credit report reflecting these changes. I am not requesting. I am telling you to comply with the law. T
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (TX)

I signed up for XXXX XXXX XXXX and received a XXXX XXXX loan. I was not in school 30 days when the course was cancelled due to no XXXX. I never received the education promised. As we all know, XXXX XXXX XXXX was permanently closed. Evidently, XXXX XXXX sold my loan to Navient. I have tried to get help from Navient, although no results. I have paid massive money on this loan, still with a balance due, that I do not owe. I need help please to resolve this serious issue.
Consumer complaint received 2016-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (GA)

On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account HUNTER WARFIELD via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with HUNTER WARFIELD ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). 
On XX/XX/XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX County, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with HUNTER WARFIELD ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing HUNTER WARFIELD the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that HUNTER WARFIELD stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (FL)

I purchased a flip cell phone from a company named Affirm. The phone was defective, and unable to use. I called them about it before the time was up on returns, and they just down played it. Then I went back and brought it to XXXX to see if they could help me get it activated. The man from XXXX told me to bring it back to them, because it had a line running through it were it closed. I had to contact the attourney general to get them to see some kind of resolution. Affirm agreed to look into the matter, so they asked me for abunch of paper work to include a picture of the screen of the phone. They then said I would hear back from them in 27 days? The only time I hear back from them is to tell me I have an upcoming payment, or they will increase my credit. When I call they just say they will get back to me. It has been months, and I'm still paying on a phone I never used. I believe they were trying to sell me a used, refurbished phone. Thank you
Consumer complaint received 2016-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OK)

I was contacted by the company Navient in between the hours of XXXX and XXXX yesterday. I was speaking to a young woman at first and our conversations have gone the same way since XX/XX/XXXX : that I can not pay a full settlement. My issue with not being able to pay is not the focus of this complaint, as I asked this young woman to please call me back at XXXX as I was driving in heavy traffic and I was not in a position to discuss my income or my situation. While at a very busy intersection this young woman was interrupted by a man named XXXX XXXX. He stated it was policy to monitor the calls as he stepped in to 'take over the call '. At that point I felt as if I were being three way called by an XXXX grade bully with enough lack of rhetoric that his title as 'supervisor ' is questionable. I was bombarded immediately with every time I had supposedly dodged this company. This man did not pause in his speech waiting for anything I had to say. He spoke AT me. Not to me. This caused me to pull my car over and nearly have a nervous breakdown while I entered into a yelling match with this man. I do not normally speak to creditors this way but his approach is what caused it. I asked his name. I even asked how old he was, to which he asked me 'What does that have anything to do with this? ' I asked this because I did not feel as if I was speaking to a supervisor of a company that handles more than XXXX in student loans, I felt as if I was being attacked by an XXXX thrown into the role of assistant manager at a nearby XXXX XXXX XXXX store. This company calls my father daily and I fear every day that he is going to have a XXXX XXXX from their calls. If supervisors of this company speak to people this way and attempt to collect in this manner this needs to be regulated.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX USAA FSB To whomever it may concern : I am writing regarding an issue with the way you are reporting this account on my credit file. I have noticed that your company has reported to the bureaus that my account was charged off. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history, note, or other instrument bearing my signature. 

USAA FSB Account Number : XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.