davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

checked my consumer report and noticed that there are fraudulent accounts on my consumer report. Those accounts are a Credit card with XXXX XXXX that is now closed with a amount of {$2100.00}. A personal loan that is closed and shows a late payment with Possible finance for {$60.00}. There is a charge off collection with XXXX XXXX that was sold to XXXX XXXX on my XXXX consumer report. I have never done business with this company. I have never done business with XXXX XXXX  XXXX has a collection on my XXXX consumer report. I have never done business with this company. I have the following fraudulent inquiries on XXXX. XXXX XXXX, XXXX, XXXX, XXXX And XXXX. These fraudulent accounts and inquiries has cause me financial injury. UPDATE, XXXX has places a collection on my consumer report for the company XXXX XXXX. This collection is fraudulent because i have never opened an account with XXXX XXXX XXXX, BANK XXXXXXXX XXXX! This is not good faith Pursuant FCRA
Consumer complaint received 2024-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2023-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (TX)

RDAC continues to violate my consumer rights. RDAC has been notified and invoiced for their violations of my consumer rights. They have been non-responsive and non-compliant to those identified violations. RDAC refuses to provide any contractual obligation to pay them. RDAC refuses to provide any prior consent from the consumer to communicate with third party financial institutions. RDAC has admitted being given permission by their client to communicate my personal and private information to creditor reporting agencies. RDAC has only provided statements and photos from their client that does not constitute an obligation to pay them anything. RDAC is liable to pay this invoice to the consumer under the Congressional law of the FCRA pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ).
Consumer complaint received 2023-05-02
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)

XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numb # ), has violated several of my rights. 
1

5 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

There is an auto loan debt/reposession reporting to my consumer report, and the account does not belong to me. This is a result of identity theft, I have been trying to dispute this matter with both the Credit Bureaus and furnisher, and the account still has not been removed and affecting me, my life, my children, and my family negatively.
Consumer complaint received 2023-11-28
Product: Debt or credit management — Student loan debt relief
Issue: Didn't provide services promised — 
Company: Maximus Federal Services, Inc. (NC)

I paid off my student loan in full to XXXX and keep getting statements from the USDept of Education that I owe money to aidAdvantage. I have made repeated attempts over months snd months to rectify by situation. I have written to XXXX XXXXhree times. Nothing.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I have a situation where my bank will not accept a deposit of a bill of legal tender even though I think they should. I have a single dollar bill that has been torn and missing a large portion. it is clearly more than 50 % of a bill and it's an odd shape so there really aren't any questions about that. The other piece of the bill, wherever it is, would definitely appear to be less than half a bill. 

I understand that businesses do not have to accept cash as the federal reserve has have discussed previously here : https : //www.federalreserve.gov/faqs/currency_12772.htm According to eCFR, I have 'unfit currency ' that a bank should exchange for me, but I do not have 'mutilated currency ' that would have to be sent back to the Dept. of the Treasury for service. 
https : //www.ecfr.gov/current/title-31/subtitle-B/chapter-I/part-100/subpart-B/section-100.5 I don't qualify to send this to the Treasury, and Chase bank won't accept it. 

I took my bill to the bank and tried to deposit it into my savings account or exchange it for a fresh dollar, but they wouldn't take it, stating that their policy is as follows : they only accept money where there is at least 3/4ths of a bill intact and where 1 full serial number and at least half of the second serial number are present. My dollar bill does not suit their definition. 

This bill is otherwise in pretty good condition. It is generally clean, barely folded, legible, of normal color, of normal density, etc. 

Here 's how I know this dollar bill is more than half a bill : * I folded another dollar bill up perfectly in half and put it behind my part of the bill. My bill completely covers that folded bill and extends beyond its border. 
* the shape of the tear on my valid but unfit bill is not even. It protrudes at one end so it's not even a close call. 
* if the other part of the bill ( or parts ) were found, they would clearly be less than half of a dollar bill. 

In 2012, Chase even went on the record saying they accept legal tender so long as there's more than half a bill in a public news article : XXXX XXXX XXXX I guess my question is, if my bank accepts cash deposits, do they have to accept all legal tender, or can they set restrictions such as my bank has done? I'm not trying to be difficult ( such as paying with XXXX XXXX XXXX ; this is a normal deposit ) or outrageous ( this is just a single dollar, not a large sum of money ), but I'm trying to understand the principles and policies that govern this situation. Should I appeal to them to accept my dollar anyway? Can you provide guidance on if they are allowed to limit the receipt of this dollar? Can you require them to update their policy? If not, what should I do to use this dollar? 

Thanks for considering this question. I know that it's not a very important issue, but maybe its weird details will be interesting to address.
Consumer complaint received 2024-02-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc. (FL)

I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USC 1681-s. 

The collections account in question, associated with DEPTEDNELNET, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report. 

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

The collection agency, DEPTEDNELNET, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, DEPTEDNELNET has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law. 

I am disputing any ownership of debts to DEPTEDNELNET. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt. 
The purchase agreement between myself and the original creditor. 
I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws. 

Sincerely,
Consumer complaint received 2024-02-14
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

Chase is unable to resolve a dispute I have with XXXX XXXX XXXX. The credit card company considers a transaction by the Merchant as valid even though it was a keyed credit card entry by the Merchant over the phone without disclosures or signed agreement, and no goods or services was provided. If true, anyone with my credit card information could make charges without evidence of delivery or my authorization. I have called multiple times and asked Chase to reexamine the dispute without a fair outcome. 

I am enclosing a letter I provided with details of the dispute. Thank you in advance for any assistance provided.
Consumer complaint received 2023-06-14
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (FL)

XXXX/MILESTONE is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, XXXX XXXX. XXXXMILESTONE does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have been trying to obtain my Equifax report from XXXX and XXXX. When it comes to obtaining my equifax report I receive an error code of NH or another message stating Equifax has no records of your credit report or different personal details for you on file. After contacting Equifax they requested I send over copies of my License, Social Security card, and a letter explaining my issue. I did so and requested they fix this issue.
Consumer complaint received 2023-11-29
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. (FL)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 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 2024-02-13
Product: Credit 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: CITIBANK, N.A. (CA)

On XX/XX/2023, I had unrecognized transaction on my card for {$200.00} done in XXXX. On XX/XX/2023, when I discovered that, I submitted a dispute claim and notified my credit card company ( Costco Citi credit card with Citibank ) of the issue that this is not authorized transaction and asked them to reverse and refund me the money. Then, I haven't received any communications from my credit card company after this, so I kept calling them many times to resolve it, but the credit card personnel were very unprofessional and incompetent. After few months, I received a letter from credit card company stated that they closed my dispute, so I called them again wondering why they closed it and they said that it was a mistake, and we will reopen it. Then, after few months, I was told that this dispute is transferred to the fraud dispute department that when I called, they told me that they don't have any claims for me. Every time I call the credit card company asking them for updates, letters and/or full names of people I talk to, they refuse to help me. Till now, I don't have any information about my claim, nor the money was refunded to my account.My case number is XXXX
Consumer complaint received 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Receivable Management Services LLC (TX)

To Whom It May Concern, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand a thorough investigation and prompt removal of a collection account that is inaccurately reported on my credit report. Your immediate attention to this matter is required, as the collection agency has failed to provide original debt information from the original lender. 

The collection account in question is as follows : Creditor : Receivable Management Collection Account Number : XXXX XXXX XXXX XXXX XXXX The aforementioned collection account contains inaccurate information, and the collection agency has not furnished the necessary original debt information from the original lender. This lack of substantiation renders the account invalid and its presence on my credit report is causing significant harm to my financial well-being. 

Pursuant to the FCRA, I demand that you initiate an immediate and comprehensive investigation to verify the accuracy of this collection account. Should you fail to substantiate the validity of this account or correct the inaccurate information, I insist that you promptly delete the account from my credit report. 

In accordance with the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide me with the results in writing. If your investigation substantiates the inaccuracy of this collection account, you are legally obligated to remove the account from my credit report and notify me of the changes made. 

I expect your agency to fulfill its legal obligations under the FCRA without delay. Failure to do so may result in further legal action on my part.
Consumer complaint received 2023-05-16
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance - ; XXXX XXXX Balance - ; XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX Balance XXXX ; XXXX  XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2024-01-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (MI)

I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This is infuriating, my new credit applications are getting turned down due to the inaccurate reporting being done on my credit. I am rebuilding my life and score and have met all my financial responsibilities, but just because of these errors it is stopping me in getting approved for loans which furtherly impacts my life negatively in all aspects and in achieving financial freedom.
Consumer complaint received 2024-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Collection Services, LLC (LA)

I was referred to radiology clinic by my surgeon in XX/XX/year> for XXXX XXXX. Said he refer all the time cost about {$1500.00}. I went for consultation they said 3 treatments {$1800.00}. I filled out package and no quote was included to sign. Never sat with any financial consultant. When I was finished the front office asked if I had health insurance. And confirmed they could accept my provider. Few months after 3 sessions I see XXXX they billed insurance over {$6000.00}. 2 of the line items insurance had them remove. The billing made no sense. They charged them for much more than the XXXX treatments. They never could produce financial agreement as I requested because they didnt have one for me to sign. Had I known they would make these outrageous billings I never would have given them my insurance I would have done self pay for cheaper. I makes me so mad to think of the fraudulent charges they are doing to patients in real XXXX treatment.
Consumer complaint received 2024-02-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc. (FL)

I moved out of XXXX  at XXXX  my place was immaculate and I have a witness my gf moved out with me. They owed me {$300.00} deposit never set it and then lied to collections said I have to pay for clean carpet. I lived there a year paid XXXX building has to put new carpet for next tentant not my responsibility and they tried to charge me to clean cabinets that were clean? They also put me in for {$170.00} collection I dont owe. Never validated my dispute and lie and said they sent it. They also violated the fdcpa and didnt state the mini XXXX while trying to collect this fraud error on my report I dont owe. Its also out of the statue of limitations. Call on XX/XX/24 violated fdcpa. 
Ideal recovery and collection in FL!
Consumer complaint received 2024-03-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (WI)

I am the consumer as defined under 15 USC 1692a ( 3 ). I am unaware of this alleged obligation to pay any debt owed to National Credit Adjusters , L.L.C ( DEBT COLLECTOR ). I did not have the opportunity to dispute this information. If in fact National Credit Adjusters , L.L.C ( DEBT COLLECTOR ) believe they have given me, the consumer under 15 USC 1692a ( 3 ) PROPER NOTIFICATION. National Credit Adjusters , L.L.C shall send me the certified receipt with my name on it, my signature.