davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
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. (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. 

DEPT OF ED/XXXX XXXXXXXX Balance. {$5700.00} DEPT OF ED/XXXX XXXXXXXX balance. {$2800.00} DEPT OF ED/XXXX XXXXXXXX balance. {$5500.00} DEPT OF ED/XXXXXXXX  XXXX balance. {$2700.00} DEPT OF EDXXXXXXXX XXXXXXXX balance. {$10000.00} DEPT OF ED/XXXX XXXXXXXX balance. {$5600.00} 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. I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I owe money on a XXXX XXXX revolving account ( XXXX XXXX Card ). Covid hit and I had trouble paying it off. That being said the debt was sold to Midland Credit Management. Midland started to call me every day harassing me. From there I decided to set up a payment arrangement to pay off the debt over time at affordable payments. Unfortunately midland tried to scam me out of extra money. What I was told is all payments would be used to pay down the amount owed. But upon reviewing the agreement they sent me, upon laying the initial payment my balance would remain the same. Therefore they tried to get me to agree to something that we did not speak about, and tried to get additional payment from me. I cancelled the agreement after I had reviewed it. From there they threatened to sue me via a third party legal team. Now midland and XXXX XXXX XXXX XXXX third party legal team ) call me daily in regards to said debt. They are now calling family members of mine attempting to collect a list of assets and gather further information from them to use against me. The sad part is I tried to set up the payment arrangement to settle this matter but they tried to scam me for additional money.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

Equifax is removing positive accounts from my credit file. This practice by Equifax keeps my score low. Once a negative item falls off they remove a positive item. I opened an account with XXXX XXXX XXXX. The credit line reported to my Equifax credit report and one week later it was removed by Equifax. I contacted XXXX XXXX XXXX and they advised that they reported the item to Equifax and that they ( credit rent boost ) have no control over what Equifax decides to remove from someone's account.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Consulting Services, Inc. (CA)

I got in contact with Credit Consulting Services , Inc. collection agency, I told them I want to pay my debts regarding to hospital bills, but at the time I ask for the letter agreement they denied to provide because they said they don't do that, when they provide to me the amount of the full payoff I notice they charge interest ad very high which I do not remember sign any contract saying I will pay for interest in case I can't pay at that time. The first 2 persons I talk to from the agency collection argue different excuse and make pressure on me to obligate me to pay the amount they said, explain to me I not allowed to pay the accounts I want and telling me if I want to pay should be as a package bundle, all amounts at once. The only account beg to them for detailed explanation is that one from republic services which after 3 weeks I didn't receive any notice. All this happen at the last day of mach 2021, I went to their office to talk with the person in charge of that office, in our conversation she said charging little bit less than 10 % in interest I respond to her isn't true is almost the 20 % and she quote " you know have until XX/XX/XXXX to pay the amount we said. and get away with out answer my other concerns. In the different conversation I have with different persons in there include the in charge of my account named XXXX its being many lies and different answers to my questions from every single of them, although I told them I consult the government website regarding my rights as debtor, they try to rip me off charging interest to debts which they shouldn't. The only ting I want to pay the debts. other thing they have being doing is reporting false information to companies as XXXX XXXX  showing inflating amounts of those debs. Last year my wife did partial payments to tis office which the share very high interest and they did not clarify to me. The last thing I request to them is copy of the paper I sign and they respond they not going to do it.
Consumer complaint received 2021-04-22
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. (IL)

I sent in my police report and my notarized affdavit to Experian. I called last month and talked to XXXX from the fraud department who asked me to send in my fraud package. after sending it to them they did not comply with anything and said they don't have to block the fraudulent account even after going to the XXXX XXXX  XXXX Police Dept and filing a police report in person. they sent me some generated letter saying if i want to block the fraudulent account to send it my Police report and affidavit that i have provided them. Today at exactly XXXX XXXX  i spoke to XXXX who said he was fraud department integrity team and completely said he won't do anything and he didn't care what XXXX told me and said he doesn't have to follow the FCRA rules. I told him i got some letter saying if i wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605B I told asked him to transfer me to a supervisor and he hung up on me. I have done everything in my power to fix this fraudulent information if this is not fixed my only option is to file a lawsuit
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There are several inquiries on my Transunion credit report that were not authorized. I contacted each company and Transunion directly and received no acknowledgment or cooperation in removing the inaccurate inquiries. I believe I might be a victim of the Transunion data breach regarding the reporting and reinstating inquiries. The inquiries in dispute are listed below : XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

During the first week of XXXX, I was informed TD Bank initiated to close my account and I would receive my remaining account balance in form of a check sent through the mail. Since that time, I have gone to the branch multiple times, stood for long hours under the sun, and on some days in the rain-soaked wet which made me very very unhappy because I am sick ( being in those conditions is dangerous for my health ) and after all those distressing waits the only answer I kept on getting was " the account is not closed yet but will be closed and I would receive a check in the mail. '' When will it be closed? Why is it not closed yet? I never got an answer to those questions. 

I resorted to getting somebody from a different office on the phone hoping that they couId help me solve this issue but I was just taken back to the same problem. I spent so many hours on the phone to be repeatedly told by each and every customer care agent the same exact thing that I should go to the usual branch I went to on XXXX XXXX XXXX XXXX and they would close the account then they would either hand me a check or send it in the mail. This never happened and whenever I went to the branch office I had to go through the same heart-breaking experience. Imagine yourself going to the bank about twice a week, WITH A HEALTH CONDITION standing under the sun and sometimes under the rain. This could cause me serious health consequences during a time when any sickness could be fatal. 

Today the branch manager XXXX XXXX XXXX told me the same thing he has been telling me for the past months that he is sorry but there is nothing he can do for me and this is out of his hands ; how is this a solution from a branch manager. An account closure is not so complex but why is my situation different? I never had an answer to that. I told the branch manager I am honestly very annoyed and have tried my best to be as humble and polite as possible but it is clear they are unwilling to help me. 

I have tried every possible polite way to get this resolved. Frankly, I am very angry and disappointed. I have suffered physically, financially, and mentally just to get an account closed. I should not have to go through all of this just to get my money back. 

Please help me close my account and send me my balance. Thank you
Consumer complaint received 2021-04-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (SC)

I contacted : MIDLAND CREDIT MANAGEM Original creditor : XXXX XXXX {$2200.00} Balance updated XXXX XXXX, 2021 Several times concerning this collection. They have no record of the amount of this debt or any other info on. I requested they stop report I got this collection credit or taking credit for this debt because they couldnt produce the minimum info on it. I contact the XXXX who said the debt was verified ... it was not since Midland Credit Management had no information on the debt when I called them. This is a scam. XXXX  is enabling them to do it. Please take action. 
Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX My name. XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2021-04-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I attempted to dispute a account on my credit score but Myequifax won't allow me to log in. The error reads " We are temporarily unable to complete this request ''.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Since XXXX I have been disputing improper accounts on my credit report, I have reported them as not mine and being fraudulent since, not once was Experian or the creditors able to provide me with a contract signed by me with their companies, not once did they provide a contract that proves the accounts belong to me, each time I dispute them, they do not reinvestigate the issues, they provide same responses to the accounts as they have in the past. 
Below are the accounts in question Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent, show proof of a contract with my wet signature Account Name : XXXX XXXX Account Number : XXXX Reason : Account is fraudulent, show proof of a contract with my wet signature Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : Account is fraudulent, show proof of a contract with my wet signature on it Account Name : XXXX Account Number : XXXX Reason : Account is fraudulent, show proof of a contract Experian is the worst when it comes to investigating disputes, they do not take consumer issues to heart nor do they care the improper reporting does to a consumers life.
Consumer complaint received 2021-04-23
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: GOLDMAN SACHS BANK USA (MI)

I found a seller on the XXXX XXXX  who wanted to sell the photography equipment listed below. And after back and forth negotiation, I ordered a XXXX A XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX for the total sum of XXXX XXXX, XXXX XXXX and XXXX dollars ( {$3900.00}. XXXX ). We both agreed to use XXXX for secured payment. I made the payment via three cards because my credit card has a limit of XXXX XXXX dollars {$2000.00}. Consequently, I made payment in {$1800.00}, {$850.00}, and {$1300.00}, respectively. The seller claimed the item would be shipped in XXXX different boxes. The first box was delivered on the XXXX of XXXX. When I got the box in my mail and opened the flat tiny box, it was only a notepad that was in it. The second box was delivered on the XXXX of XXXX with a damaged box sticker from USPS, and when I opened it, it was a bigger notepad and printing paper to mimic the weight of the equipment. I tried to reach out to the seller immediately via XXXX and realized I had been blocked from the XXXX marketplace. Till today I am not able to reach the seller via XXXX XXXX except through XXXX. 
So immediately, I logged into my XXXX to file a dispute on all the payments. 
I officially filled the dispute with XXXX and Goldman Sachs, the credit card provider. 
XXXX sent me a request to have a police report that I did and submit a complaint online to the Internet Crime Complaint Center. After submitting the reports, XXXX issued a refund for XXXX and XXXX dollars but refused to make a refund for the {$1800.00}, stating that " I already filled a dispute with the credit card provider which is Goldman Sachs. 

After ninety days, I got feedback from Goldman Sachs that the dispute was in favor of XXXX. So I reached out to them on the XXXX of XXXX, demanding to speak to a supervisor who told me that XXXX XXXX skipped a process to resolve the matter. He then asked me to submit evidence which includes the police reports, screenshots from XXXX that show I was refunded XXXX and XXXX dollars, respectively. And the dispute will take another ninety days. 

On the XXXX of XXXX, I got another email that the dispute filled was resolved, and it is in favor of XXXX. So, I called Goldman Sachs and demanded to speak to another supervisor ; she apologized and promised to escalate the matter and that someone from a certain department will call me within ten days. 

I waited till the XXXX of XXXX but did not receive any call. So, I called XXXX XXXX again to ask what the update was and if the evidence submitted helped in any way. The supervisor stated she is escalating again. I got the XXXX dollars on my card, but to my surprise, today, the XXXX of XXXX, the money paid to the card was reversed. So I called XXXX XXXX to ask what the problem was, but the supervisor does not have any tangible response.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX & on XX/XX/XXXX I sent a letter with a federal trade commission affidavit to the XXXX, Equifax, and XXXX explaining to them the information on my credit report was inaccurate and for them to investigate. I gave them 30 day to respond to me and they did not.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-04-22
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: EQUIFAX, INC. (CA)

On XXXX I sent a letter regarding inaccurate and unknown things in my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand these accounts be deleted 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 my have gotten into the hands of the wrong person.
Consumer complaint received 2021-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (IL)

I am a victim of identity theft This collection agency is not only reporting fraudulent account but also aware that this account is fraudulent, I sent in my police report and my FTC affidavit that is notarized. they keep verifying this fraudulent account and are not responding to my dispute. I have never had any goods or sevices with Kimball Tire aSt John or XXXX XXXX yet they knowingly and willingly reporting this fraud.
Consumer complaint received 2021-04-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC (MD)

A number of years ago I began suffering from a medical and financial hardship that forced me to sell my assets, including my home and purchase a different car. The only option available to me at the time was to take a loan from Flagship Credit Acceptance, for almost 20 % interest. 

I have been working to pay off my loans and commitments over the last three years and Flagship has consistently been harassing with phone calls and communications, sending bills that reflected amounts owed higher than I owed ( and sometimes confusing me enough to pay double ) - altogether raising my anxiety and greatly impacting my health further. Continuing to make the payments required, even during the pandemic - and continuously communicated with them upon a late payment - and made sure to keep my account current. Despite this, Flagship have reported negative reports on my credit report - worsening my financial situation during the pandemic. 

To resolve matters, I made a huge effort to pay off the XXXX USD remaining on the loan - this was to be rid of Flagship. Still having paid off my loan early in XXXX, I still have not received a title. Making matters worse, it seems Flagship have also ignored communications from the XXXX after I registered my car in Maryland last year and didnt provide them with a title either back then. At this point I have reached out to Flagship credit over 4 times over the course of the last 3 weeks, only to spend hours on the phone with them - promising to return my calls and resolve the matter, but to no avail. Separately, they also took their time - well over 30 days - to report the payoff to credit bureaus. 

As a consumer who has been doing all he can to remain afloat, especially during a pandemic, the despicable business practices and lack of communication or resolution by Flagship Credit Acceptance LLC are unacceptable and have negatively impacted my life on many levels, now impacting my health and anxiety - I worked to pay off the loan and now will soon not be able to legally drive my car when my registration expires, despite owning it outright. I ask for your assistance in resolving this matter as soon as possible so I may resume my life, as well as for your assistance in punishing Flagship Credit Acceptance LLC who has been a longtime offender of consumer rights ( see many other complaints online ).
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am reaching out for your help with this incorrect account appearing on my credit report. Ive raised this matter because its been damaging my reputation, and I need your assistance. The mishandling of my credit report has left me in a difficult situation, as this inaccurate information has damaged my reputation. Please correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

I was a customer with XXXX for over two years. One of their customer service agents fraudulently extended my contract without my knowledge or consent. When I went to cancel my contract because I was moving to a new location that didnt offer XXXX service, they notified me that I had to pay a hefty cancellation fee of {$660.00}. I do not owe this money and the company refuses to help me, even after hours on the phone, including this evening where I was transferred and placed on hold for an hour and a half before hanging up. Its now listed twice on my credit report dragging my otherwise solid score down below where Im able to get a mortgage.