davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

To whom it may concern : I was the Managing Partner and CEO of XXXX, XXXX, a small software company located in XXXX, FL from approximately XX/XX/XXXX until XX/XX/XXXX, at which point the company was closed down due to financial problems. From roughly XXXX until the company 's close I was a minority shareholder and owned approximately 15 % of the company. 

Before the company was shut down in XX/XX/XXXX, it borrowed approximately {$130000.00} in the Fall of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, and the servicer, XXXX XXXX XXXX XXXX XXXX located at XXXX XX/XX/XXXX XXXX XXXX, XXXX Fl New York, NY XXXX. This loan was unsecured. It had NO personal guarantees and even had a clause expressly written into the agreement stating exactly that. When the company was shut down there were no assets left to repay this debt. 

Therefore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a lawsuit against myself and my father, XXXX XXXX , who was also a company shareholder, in a New York court in an attempt to collect the debt from us personally. We defended ourselves pro se and the case was dismissed ( based on the fact that we had not personally guaranteed the debt and showed proof of that to the court ). 

This debt has never been determined to be a valid personal debt of ours. However, that did not stop XXXX XXXX from filing a personal debt collection against me with all three of the credit bureaus. This debt has been on my personal credit report as an outstanding and delinquent debt that I personally owe. However, by law, I do not owe this debt personally and I would like it removed from my credit report. It has been negatively impacting my credit score, despite me not being personally responsible for the outstanding amount. 

Rgds, XXXX XXXX
Consumer complaint received 2021-03-20
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: EQUIFAX, INC. (OH)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

On XX/XX/2020, I mailed a letter requesting an investigation for inaccurate accounts listed on my credit report. It has been 4 months and I still haven't received any results of an investigation and these accounts are still showing on my credit report.
Consumer complaint received 2021-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

I received an email saying XXXX claim went into my favor. But it was received after my account has been closed on the XXXX of XXXX. I emailed numerous times inquiring how Ill be receiving my check and no reply on my inquiry If I dont get my money sent out as in check Ill take it to ny court
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRANSWORLD SYSTEMS INC (DE)

I have been calling this company sense XXXX of 2021 they will not return my calls I have also asked them to do an internal investigation which they have snowballed me for 4 months, I had XXXX and was in the hospital at the XXXX XXXX XXXX I called this company to let them know that I was sick and was told that my payment could be deferred sense I had a life treating illness the derrment was for three months and then you restart your payments and I agreeed to that so I asked them to get the phone records that they refuse to get and will not return my Phone calls and sent it to another collection agency and the price went up by XXXX dollars in 2 months they have lied about everything and to show the lies they have avoided me sense thmontheeen I call leave massages and they don, t call back for month, XXXX.
Consumer complaint received 2021-03-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

On XX/XX/2021 I filed a dispute with equifax and as of today, XX/XX/2021 they have yet to update or send any verification letter. Confirmation number of dispute with Equifax is XXXX.
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

I sent two debt validation letters to this company requesting VALIDATION not VERIFICATION that the debt is mine. The company has failed to provide validation for the account # XXXX. This was submitted with the previous complaint request the company failed to remove this account from my credit report. This company has failed to validate the debt and failed to provide a Hippa authorization form. This business violated my health privacy rights and committed another violation of my privacy by not providing me the requested debt validation information,
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (MD)

Wakefield & Associates have annotated on my Credit Report for a bill owed by XXXX XXXX XXXX of SC ( XXXX XXXX XXXX ). I have no knowledge of the account, made an attempt to contact using the Account number annotated on Credit Report the Representative could not find anything. I am a XXXX Military personnel/XXXX XXXX XXXX Veteran. My Medical is covered by the Military/Veteran Administration. I relocated from South Carolina in 2018. I am requesting this erroneous annotation removed and corrected.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Motors Financial Company, Inc. (CA)

On XX/XX/XXXX my vehicle XXXX XXXX XXXX was repossessed, at about XXXX, I immediately called Gm Financial to determine what monies I would need to pay to redeem my ve.hicle, the representative advised me to pay XXXX, which I did, the total amount came out to be XXXX including the service charge of the third party company, I was not fully advised of the details of what will happen once I redeemed my vehicle, in which I paid all fees and received my vehicle out of repo in less than 24hrs. I was in constant contact with the lender regarding my financial situation due to covid, my husband and I were unemployed during XXXX, and the business we had open was just getting off the ground as a restaurant caught in the pandemic issues. In XXXX my the vehicle was totaled, this week we were trying to get another vehicle is when I discovered that GM Financial had added to the credit report in a matter of days a repo on my credit report which prevented me from helping my daughter to purchase a vehicle, I called on the same day to speak with a manager in the finance department and was told that's what they do once a vehicle has been repossessed and then redeemed, I advised that this is an unfair practice, this is the first they have added this type of derogatory information to my credit report, and it was nothing they will be doing about removing this from my credit report. 
I do not believe this is fair to add this to my credit report, being that I redeemed my vehicle in less than 24 hours, so from XX/XX/XXXX the date of repo, date redeemed XXXX, repo information added by XX/XX/XXXX, I need help to have this removed, we have as a family dealth with a lot including losing my mother in XX/XX/XXXX XXXX
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I contact Equifax today to ask why a new inquire from XXXX appeared on my credit report when there is supposed to be a freeze to stop anyone from accessing my report. Someone tried to get credit. After asking to have the item removed because of fraud and to have a special word/code to protect against accessing my report by anyone, I got the run around. I asked Equifax to transfer me over to the Fraud department but twice the call was ironically disconnected.
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I received money on PayPal from my friends. They were just helping me out and PayPal assumed I was conducting business on their platform and I wasn't. I'd like my account to be restored as I need it now and cant wait 180 days it's too long. My PayPal account email is XXXX XXXX
Consumer complaint received 2021-03-21
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: CITIBANK, N.A. (WI)

In early XXXX I opened a XXXX credit card account which was serviced by XXXX XXXX. I made purchases and paid my bill on time. In XXXX, Citibank took over some of XXXX credit accounts. I did not make any purchases after Citibank took over my account. I continued to make payments through the same portal I had been using for months, through XXXX. In XX/XX/XXXX, I paid the remaining balance in full. Ive been contacted numerous times by Citibank saying that I owe hundreds of dollars that Ive already paid off through XXXX. These charges include multiple late fees and interest charges. Ive tried contacting Citibank, but was told I have to get my money back from XXXX so I can give it to Citibank. From a consumer point-of-view this is very confusing. It was very hard to get in touch with a representative as they only offer a customer service phone number, no other way to solve this miscommunication. I dont think this is an error on my part. I owed money to a company that I borrowed from, and I paid it back. It seems that Citibank and XXXX do not have an effective plan in place for how to professionally handle the accounts transition. Citibank is now reporting to credit bureaus that I owe money. I never even made any charges on the account since Citibank took the account over. These two companies need to get together and share information. Citibank is now harassing me and incorrectly reporting a balance due which is devastating my credit which Ive worked for the past three years to rebuild.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed complaints with the XXXX bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me.
Consumer complaint received 2024-09-10
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. (MD)

I am at my wit 's end with your inability to handle the clear and obvious fraud on my credit report. Despite multiple attempts, you have failed to remove the fraudulent accounts and inquiries that I did not authorize. Your lack of action is both negligent and illegal. This is my final demand before I sue you. 

Fraudulent Accounts to be Removed Immediately XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries to be Removed Immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 And many more previously disputed XXXX 
Legal Violations and Consequences : Your refusal to act violates : Section 609 ( a ) ( 1 ) ( A ) of the FCRA [ 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) ] 12 CFR 1006.34 ( b ) ( 5 ) FCRA Section 605B [ 15 U.S.C. 1681c-2 ] FCRA Section 1681e ( b ) [ 15 U.S.C. 1681e ( b ) ] 15 U.S.C. 1692c 15 U.S.C. 1681b 15 U.S.C. 1681N These laws mandate that fraudulent accounts and inquiries be removed promptly. By ignoring these regulations, you are exposing yourself to massive liability. 

If the fraudulent accounts and inquiries are not removed within 7 days, I will take you to court and seek {$1000.00} per violation, plus {$10000.00} in damages for emotional distress and hardship. I will also escalate this issue to the CFPB and FTC, which may result in further penalties for your company. 

This is your final warning. Comply with federal law, or face the consequences
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I C Systems is unable to provide me with exact services and or the nature in which my debt was incurred as i did not recall the agreement they informed me i was in debt for being a patient at XXXX XXXX so i immediately asked how IC Systems was able to verify or provide verification of me being a patient or services rendered without this being a violation of HIPA law which is suposed to provide doctor patient confidentiality. I am requesting IC Systems remove my debt from collections and all three credit agencies or i will be seeking legal representation and filing a civil law suit against the reporting creditor as well the debt collection agency IC Systems.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2021-03-21
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: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ). 
This company has assigned an attorney ( 3rd party ) which they are committing infringement of privacy once again
Consumer complaint received 2021-03-20
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. (NJ)

on XX/XX/2021 I sent a letter pointing to inaccurate and false and accounts reporting on my credit report. It has been 60 plus days and nobody has yet to respond to my disputes on the matter. According FCRA 15u.s.c. 1681i, failure to investigate dispute items 30 days of notice by a consumer of the date agency receives notice of dispute, the disputed items shall deleted/removed in accordance with paragraph 611 ( a ) ( 5 ). I am fully aware that this is a direct violation according to FCRA 15 u.s.c. 1681s-2 623 ( a ) ( 1 ) ( A ) ( B ) which has damaged my reputation according to FCRA 602 ( a ) ( 2 ) and caused me stressed and I demand these accounts be deleted from my credit report immediately which has also caused my information to be impacted by the XXXX Data Breach or I will file for litigation.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (TN)

I have had a loan with Upgrade since XX/XX/XXXX. I was making every payment on time then I was affected by CXXXX XXXX and went on a hardship program in XX/XX/XXXX. I agreed to make lower monthly payments then get back to full payments in XX/XX/XXXX. 
I was quarantined for XXXX in XXXX and was late for a payment and missed the due date, Upgrade never told me they removed me from the hardship program. My last hardship payment was made on XX/XX/XXXX. At this time upgrade reported to the credit bureau that I was 120 days late, 2 30 's, 2 60's,2 90 's. 
XXXX XXXX-30 day late XX/XX/XXXX - 60 days late XXXX - XXXX current XX/XX/XXXX - 30 days late XX/XX/XXXX - 60 days late XXXX - 90 days late Janurary XXXX current Clearly, this is a mistake, They then told me if I would not pay XXXX immediately my account would be sent to collections. I have tried to work with upgrade and they refuse to help me or remove this information from a credit report. I also spoke to multiple account reps up to XX/XX/XXXX and they all told me the account was fine and I have nothing to worry about. I have taken steps to bring the account current.I was also never never told my hardship plan on terminated. 

I would like to add that upgrate has reported on credit wrong on multiple occasions now
Consumer complaint received 2024-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2021-03-19
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. (TX)

UNKNOWN INQUIRES XXXX XXXX XX/XX/2020 UNKNOWN THEY TOLD ME THE LOAN IS A TITLE LOAN. I DON'T HAVE A CAR SO WE AGREED IT WOULDN'T BE SUBMITTED. 


XXXX XX/XX/2020 UNKNOWN XXXX XXXX XX/XX/2020 UNKNOWN FACTUAL DATA XX/XX/2020 & XX/XX/2020 APPLIED ON XX/XX/XXXX ONLY FOURSIGHT XX/XX/XXXX UNKNOWN ***ON THE FOLLOWING SEVEN ( 7 ) I WAS ASSURED IT WAS NOT GOING TO BE A BROKERAGE WHERE THEY THREW OUT THE BAIT TO ALL FINANCE COMPANIES BUT THAT'S WHAT HAPPENED ANYWAY*** XXXX XXXX XX/XX/XXXX NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND XXXX XXXX FINANCE XX/XX/XXXX NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND XXXX XX/XX/2020 NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND XXXX XXXX XXXX XX/XX/2020 NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND SECURITY SERVICE XX/XX/2020 NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND XXXX XXXXXX/XX/2020 UNKNOWN XXXX XXXX XXXXXX/XX/2020 UNKNOWN XXXX XXXX XX/XX/2020 UNKNOWN XXXX XXXXXX/XX/2020 SHOULD ONLY BE ONE NOT TWO INQUIRIES. I GOT A MEDICAL CREDIT CARD FOR XXXX