davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
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. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unity Asset Management (TN)

I normally do not answer phone calls from numbers I do not know but today I received XXXX calls in a row from the same number so I thought it may have been someone I knew. However, an extremely rude lady asked if I was XXXX, I said yes, and she told me that her client wants her to read me something regarding something I owe but she would not tell me what. I told her to mail me something and she got really upset with me because I wouldn't speak to her and became confrontational when I asked her why she called XXXX, hung up when she got my voicemail, and then called right back. Then she called A THIRD time so I finally blocked her number. She in turn left a voicemail which I will attach a copy of so you you are able to see the message she left. She didn't verify who I was, except to say that she was with Unity Asset Management ; she didn't very any personal information such as the last XXXX digits of my social security number and she did not give me the mini-miranda.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX called on XXXX and left a threatening voicemail that I need to " act accordingly ''. 

I called on XXXX  and spoke with XXXX XXXX, stating that the debt in question had been paid years ago. 

I was told that if I don't send them the money today they are going to report me to XXXX XXXX, have my bank account closed, Report the debt on my credit report, file a judgement against me and file fraud charges against me that would result in my arrest. 

This debt is over XXXX yrs old and was settled many years ago.
Consumer complaint received 2024-10-05
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (TX)

I received a {$300.00} Vanilla Visa gift card in XXXX. Upon receiving the card, I checked the balance and placed it aside. Today, when I went to use the card for a large purchase I have been planning, the card only processed for {$160.00}. Upon checking the balance, it was used on XXXX on XX/XX/XXXX ( not by me ), and then had multiple declined transactions from XXXX and XXXX. I have submitted the claim, but the company estimates it will not be resolved until XX/XX/XXXX. I have tried to call and can not reach a person to chat with regarding the issue. I have not heard from them, and per experiences of my peers, it seems they will make it incredibly difficult to recuperate the lost funds from the card.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is an ongoing issue that I have been trying to fix now for months but my requests to correct the errors being reported on my credit are consistently ignored which is absolutely frustrating. These times have been challenging and this is a big hindrance to me in achieving financial freedom, my applications are getting denied due to these errors impacting the overall aspects of my life negatively.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC (NC)

This happened XXXX XXXX XXXX XXXX XXXX XXXX, NC at XXXX XXXX gas station. I was there to get gas and the pump did not work. I tried twice but it still did not work so I left to go to another gas station. After my card was declined at a XXXX  I came back to the gas station and talked to the store manager asking what happened and to refund me and he said it was normal and would be refunded. I called law enforcement. They came and looked at the cameras but it showed I was not even charged. She told me to call the bank Daves and I did. The bank blamed me and I let them speak to the officer. The officer spoke several times about that there was no charge and cameras do not show any transaction. For a XXXX {$71.00} would never fit and that was an argument but the bank still argumed back saying it could take 3-5 or 7-10 days. It has been 7 days. No bank has ever taken more then 3 days to refund. They are holding money that was not even used with proof I have from the store and the officer. I want this bank to refund me the money they have stolen from me. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-21
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. (AR)

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXXXXXX, has violated my rights. 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
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC (FL)

This company has contacted a random person on my behalf trying to get my information. 

on XX/XX/year>. They have harrassed and called numerous times to someone trying to locate me. This person has now reached out to me regarding the harrasment. They person 's name calling is XXXX.
Consumer complaint received 2024-07-21
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. (MO)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

To Whom It May Concern, RE : COMENITY BANK/EXPRESS/Account number XXXX I am demanding the following late payments be removed because I believe my consumer rights have been validated based on the consumer law ( s ) listed below 15 usc 1681a - Definitions ; rules of construction Section 2 - Exclusions subsection A subsection i - reports containing information solely as to transactions or experiences between the consumer and the person making the report. 15usc1666b- late payments 15 usc 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the me that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report.

Under 15 usc 1681n, - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. 
PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed
Consumer complaint received 2024-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I have reported this to the FTC multiple times and also to the cfpb and XXXX constantly refuses to delete the fraudulent account on my credit report!!! This is the XXXX time Im disputing something that has been removed by XXXX and XXXX months ago though XXXX keeps insisting that I get LVNV funding to delete this claim! I have never had a contract with LVNV funding they purchased this fraudulent account which I thought was against the law too purchase social security numbers, so why is it legal for companies you have no contract with can harass you when you never signed any documents making you liable for that debt? Ive never had a contract with the original debt collector. I have told both parties I have never lived at the address pertaining to this collection nor is the address on my credit report! Im contacting XXXX  because I think something fraudulent is going on with XXXX that they wont delete a fraudulent account that isnt on XXXX or XXXX reports! The federal government requires that all credit reports be accurate and if XXXX out of XXXX are holding the correct account information then that means the XXXX one is failing to do there due diligence to make sure that all credit reports are accurate and updated.
Consumer complaint received 2024-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau (IL)

I am writing to dispute a collection account listed under " XXXX XXXX XXXX' by XXXX XXXX or XXXX XXXX. This debt does not belong to me, and I request that it be removed from my credit report. Please investigate this matter and ensure that my credit history is accurately reflected. Thank you for your attention to this issue.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-07
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: Bread Financial Holdings, Inc. (FL)

I have a hard inquiry on my XXXX credit report that i noticed through XXXX XXXX. The hard inquiry is from ComenityCapital/Sephora and i never applied for any credit from them. The date of the inquiry is XXXX XXXX and when i contacted Comenity Capital they did not have any of my information or knowledge of me in their system so they told me to reach out to the Credit Bureau. When I contacted XXXX, I was told to fill out this form and file a dispute. I think someone did it fraudulently and accessed my credit to attempt to open a line of credit through sephora. None of the other Credit Bureau 's show any hard inquiries on my credit report as of XX/XX/year>.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AL)

My credit score decreased XXXX points at the beginning of XXXX. I had exceptional credit and worked hard to get it that way. I am about to rent or buy a house and this greatly affects me. Upon looking into it, XXXX noted that the extreme drop of my credit score was due to " XXXX accounts closing ''. After looking into this further, it appears that since my XXXX student loans are currently deferred until XX/XX/year>, the loan provider ( Nelnet ) somehow reported my information wrong and said my accounts were closed or delinquent. I have messaged them and have not heard back to resolve this issue. NOTHING has changed with my loans and they are NOT delinquent. 

XXXX XXXX
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AL)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please
Consumer complaint received 2024-09-11
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. (TX)

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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

To Whom It May Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : Case Number : XXXX ( Dismissed on XX/XX/year> ) Case Number : XXXX ( Dismissed on XX/XX/year> ) These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within 24 hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (IL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-09-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (FL)

Ive attempted to contact American Credit Acceptance , LLC regarding getting the title for XXXX XXXX XXXX which belong to my principle account. Vehicle was already charged and numerous of securities instruments was submitted to XXXX debt. I made a finally attempt and submitted an Affidavit of Fact indicating that alls bills are paid and XXXX XXXX  days to respond. Instead of receiving the title from XXXX XXXX XXXX XXXX, they had my property picked up from my place of worked on XX/XX/XXXX by a repossession company, which would've been the XXXX day for them to respond to the XXXX of XXXX. My personal belongings was also taken and I wasn't able to retrieve it for about XXXX weeks. The repo company also stole personal property that was inside of the vehicle that was never returned to me.