davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

At the start of XX/XX/2022, myself and my fiance disputed the illegal attempt at collecting a debt not valid under Nebraska Law by XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX XXXX is the proper name of our former residence, not XXXX XXXX. ) I disputed the results with both XXXX and Transunion, as it had not yet reported to my XXXX credit report. After initiating these disputes, XXXX XXXX XXXX XXXX retaliated by submitting the collection account for the illegal debt not valid under Nebraska law with XXXX. 

At this point, it has been removed by XXXX but not Transunion, as, according to Transunion, the debt is valid, yet several pieces of information on the account are incorrect. Firstly, the responsibility for this account is not an individual account, it is a joint account under both my name and my fianc 's, and the original creditor for this illegal debt was XXXX XXXX, not XXXX XXXX, and this debt doesn't have legal basis in the State in which it was claimed, so how could any of the collection have merit? Transunion failed to look at the provided documentation and did not remove this mark from our credit reports, despite XXXX doing so when presented with the same evidence.
Consumer complaint received 2018-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

Date incident occurred : XX/XX/XXXX Date contacted Chase : XX/XX/XXXX Transaction Amounts : {$800.00}, {$500.00} I contacted Chase on the morning of XX/XX/XXXX when I noticed that my debit card was missing. I noticed that there was two new withdrawals ( {$800.00}, {$500.00} ) that I did not withdrawal. I reported the withdrawals to Chase that same morning. I told Chase that I had my card number written on my card because I have a babysitter that uses my card for my daughters needs while I work. Chase told me that they were going to reverse the money back into my account and investigate. Chase then contacted me a week later and told me that they were going to send me two papers that I needed to sign so they could further investigate the issue. I returned the papers and two days later I received a letter stating that my claim was denied. I contacted chase and asked them why and they continued to state that I still had my card when these transactions were made and that the person that used my card didnt put the pin in multiples of times ( WHEN I TOLD THEM MY PIN WAS ON MY CARD ) and they also said because a XXXX XXXX automatic payment came out of my account on XX/XX/XXXX. I continued to tell chase that I did not have my card and that the XXXX XXXX automatic payment was processed on XX/XX/XXXX. Chase then asked me if I had documentation like a work schedule that could prove that I did not make these transactions. I provided Chase with my work clock in/outs and dates. My work schedule said I was at work from XXXX the day of the incident. The fraudulent transactions were made in an area that is 2 hours away from where I live/work. One day after providing Chase with my work schedule they still stated that my claim was denied. Chase then sent me to the executive claims department in which a lady named XXXX said that she was going to look further into my claim and get back with me. XXXX never contacted me once I contacted XXXX numerous of times and left messages in order for her to call me back regarding my claim. XXXX contacted me back and told me that she looked at my claim and that my claim was still denied. I asked XXXX why and she said that the dates did not add up. I told them I was taking this to court in which Im in the process of doing so. I was without any money for two weeks. I could not buy gas, food or diapers for my daughter and my account is still in the negative.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please See Attached Documents 15 USC 1681 S-2 You are a furnisher of information to the reporting to the credit bureau agencies . 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. You are PROHIBITED BY LAW to furnish accurate information. I demand you to CEASE and DECEASE of this inaccurate information immediately. You are hereby put on notice you have been reporting inaccurate information. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The lender must file a 1099-c and you a copy of the debt if more than XXXX XXXX and the lender is a federal institution, credit union, and government agency . Please send me my form 1099 c that they should of sent you that they filed as cancelled debt.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (HI)

I have not Supplied proof under the doctrine of Estoppel by Silence XXXX XXXX XXXX ( mo ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2018-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (SC)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2017-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (IN)

> Two ambulance rides were provided for a Veteran on  XX/XX/XXXX  by   XXXX   XXXX   of Indiana.
> Two claims were submitted to the VA for payment : #  XXXX  and #   XXXX   > VA paid #  XXXX  o n   XX/XX/XXXX in amount of {$300.00}. EFT #  XXXX  VA paid #  XXXX  on  XX/XX/XXXX  in amount of {$290.00}. EFT #  XXXX  >   XXXX   XXXX   claims to have no record of payment for #  XXXX  ; and sent Credence collections agency to seek payment from the Veteran directly. Previously, another collections agency was also hired to seek payment for both claims from the Veteran.
> Despite being given the Electronic Funds Transfer number, the Tax ID to which it was paid - #  XXXX  and the bank account to which it was transferred -  XXXX  Acct. - XXXX ,   XXXX   XXXX   refuses to acknowledge payment and has only placed this account " on hold '' rather than closing this claim.
> As a result of this process, the Veteran has suffered severe stress and has had his credit damaged for a debt that he was never responsible for and a debt that was satisfied by the VA as documented.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've been trying to remove the fraudulent inquiries from Transunion with file XXXX XXXXXXXX and yet they have been circling me back to invalidating my FTC document even if i know myself that i made the report right. I want the following fraudulent inquiries be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-13
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: CREDIT ACCEPTANCE CORPORATION (IL)

Credit Acceptance Corporation. Mailed my title with lien letter as well as my payments I made to them to XXXX XXXX XXXX. They closed out the account because they never received title from XXXX XXXX. After filing a police report and civil suit the title was sent to Credit Acceptance with my name on it. They mailed it to the dealership instead of me. Now they are refusing to send proof that they mailed it to XXXXXXXX XXXX instead of me. They also mailed a check for XXXX made out to me to the dealership. They closed out my account because they did not receive title after 9 months of being paid by me. They tried to state they reassigned the contract however the contract was null and voided once the title was not received and they closed it.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

I Requested validation of this debt as allowed per the FCRA section XXXX and the fdcpa. 
Despite Previous correspondence the collection agency XXXX XXXX XXXX has only provided a billing statemen of the alleged debt, and has failed to provide the original contract.as me being a previous victim of identity theft. I always request all documents for my own file. Additionally, XXXX funding. XXXX has failed to provide documented ownership of the debt, proof of their license or right to collect on the debt in my state, and proof of any previous payments made on the debt. Their failure to provide this information within the required timeframe is a clear violation of the FDCPA. Furthermore, XXXX XXXX XXXX has continued to contact me through true accord regarding this debt despite me requesting for them to cease communication. They are texting me as i type this .which i have documented. Their continued contacts constitutes harassment.moreover, XXXX XXXX XXXX has even failed to report to the bureaus that the two alleged debts were in dispute.as such, I demand {$1000.00} for their non compliance and harassment. Additionally they are reporting a balance on a collection account. ( two collection accounts by them ( credit one bank ) this is misleading and inaccurate reporting.LVNV has violated me in many ways. So i request they delete these accounts off of my credit report. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-03-23
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. (MI)

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. 


I told Experian, XXXX, and XXXX to reinvestigate this account ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 



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. Account name : XXXX XXXX XXXX  Acct # XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (LA)

Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-11-21
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: Southern Auto Finance Co (IL)

The company SAFCO appeared on my XXXX credit report on XX/XX/2017. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Consumer complaint received 2023-09-04
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: EQUIFAX, INC. (NJ)

I am writing to formally submit a dispute regarding inaccurate information on my credit report with Equifax. On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report, and to this date, they have not responded. The details of the inaccurate information and the required corrections are as follows : The following account was never late : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$89000.00} Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (CA)

As directed by congress interest was meant to begin accumulating which began in XXXX this year, however, my loan site Aidvantage is saying I have missed a payment which doesn't match how often payments should have started back up for. Payments began in XXXX, I made my payments for XXXX and XXXX so far however, they're saying I've missed a payment which I know I haven't they double charged me in the month of XXXX and I'm upset as this is messing with my payments I have made so far and I'm finding this to highly unethical of them.
Consumer complaint received 2024-03-23
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates (GA)

MBA Law claims I owe {$1300.00} for medical services. Ive never seen this charge nor has it been submitted to my insurance company. The supposed debt is almost XXXX XXXX XXXX. It is not my debt. 

I received an alert on my credit report that needs removed.
Consumer complaint received 2023-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (CA)

My account was opened on XX/XX/XXXX. The Automated Clearing House ( ACH ) payments, on several occasions, incorrectly failed although my bank account had sufficient funds. After it happened several times I reached out to their customer service representatives and was told that such was possible according to a chat interaction I had with one of their employees named " XXXX XXXX '' on XX/XX/XXXX, whereby it was claimed that such had " happened a lot recently. '' I have the chat transcript whereby this was attested if need be. I did my best to make the payments on time, I even made my automatic bill payment date on the first, which is the day that I am paid, to ensure that there would always be enough money for them to withdraw. However, I suppose I put too much trust into their ACH system and they gave me a late payment mark on the date of XX/XX/XXXX. I filed a Goodwill Request in XX/XX/XXXX which the company declined and I opened a dispute with XXXX in XX/XX/XXXX to no avail. It's very frustrating that I did everything in my power to ensure I paid on time, including signing up for the ACH payments, but their system failed and yet I have to live with this on my credit report for seven years. It seems a point of pride on their part that they don't want to admit that their system failed and caused this. I wish they would swallow their pride and allow me to recover from their mistakes.
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

CCS Collections is attempting to bill me for allegedly providing vehicle insurance in   XXXX   2015. I have been disputing this issue with them for several months now, and consistently keep getting misled by both   XXXX   and CCS. Initially  XXXX  advised me to send a written statement stating that I sold the vehicle in question and therefore did not need to have it insured during  XXXX  2015. After sending the statement, they switched their story and advised me that the account has been purged from their records and they can not do anything to recall it from CCS. They also proceeded to tell me the account has been sold to CCS. Then, when speaking to CCS, they clarified they are not debt buyers and did not buy the account. I feel like they are just misleading me and trying to confuse me in an attempt to coerce me into paying an invalid debt.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MS)

On XX/XX/XXXX I requested that the following inquiries be removed from my credit report : XXXX : XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry dateMar XXXX, XXXX XXXX  XXXX  Inquiry dateXXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Experian : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2018-11-21
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: Thaxton Investment Corporation (TX)

XXXX  has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.