davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service (NV)

I had XXXXXXXX XXXX XXXX  of XXXX XXXX to do a service at my home and no contract was made or paperwork. I paid for service and later decided I did not want to use them anymore. XXXX stated that it was ok and he would cancel. Not once did I hear of the few that was added. Never once reached out to me to let me know, no email, text, mailed letter, call, or voicemail was received. I did one service with them on XXXX of XXXX and now on XX/XX/XXXX am now getting a notice from a debt collector of these charges. How can someone do this and get away with it. Not once was I told of this charges. I paid for my service and now my credit is in jeopardy for their incompetency in communication and transparency with customers. I do not owe them anything.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION (FL)

I received a XXXX point deduction on my credit score late XXXX. This was categorized as account 30 days past due. I called my credit union to whom I have the CC with and there was no clear explanation given from any representative as to how, when or why I was receiving the hit to my credit score. I made an appointment to sit and talk to someone at the branch and they too were unable to explain or identify when the account was actually lapsed in payment unable to provide dates or amounts and I was told they would send an inquiry to card services. Almost a week later I was told that the account was 30 days past due in XXXX none of which has ever happened nor reflected via online banking on on hard copy letter head mail. I have never received an email, mobile banking alert, phone call or hard copy mail forewarning me or containing any information stating that the account was on the verge of being considered 30 days past due or that it was actually 30 days past due. I have yet to receive any evidence or formal explanation on when the account actually lapsed 30 days based on any policy nor the amount it was actually 30 days over due. I am constantly being told that that information is unavailable to me nor can it be emailed or mailed. Im simply left with a verbal explanation that consists of a random month, no dates and no amounts. I am told that once the account have been reported that there is nothing that can be done.
Consumer complaint received 2023-09-22
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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. (SC)

This account was charged off on the following date [ XX/XX/year> ) Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : brigit/coastal communi
Consumer complaint received 2023-11-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CITIZENS FINANCIAL GROUP, INC. (OR)

Dates are XX/XX/2023 and XX/XX/2023 and possibly for XX/XX/2023 Im struggling still to make payments due to job loss and no wages to pay my mortgage and vehicle and maintain my utility bills. Ive gone to Community In Action, XXXX and I feel like theyre always closing doors. I can never get help from them. I want to keep my home I havent been a few Monday hopefully to get the job but Im not giving up and looking for work still its been hard and tough. Im a single mom, I have faith that I will get a job here soon. God is good please help me financially to keep my home.
Consumer complaint received 2023-08-07
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. (PA)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-12-21
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. (VA)

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 Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-04-22
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. (SC)

This account was charged off on the following date [ XX/XX/scrub>XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX LLC
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MI)

CHRAGED ME {$14000.00} FOR GOODS AND SERVIES WE NEVER RECEIVED. THEY HAVE BEEN GIVEN DOCUMENTS FROM MULTIPLE ENTITIES, HERES ANOTHER FROM A LAWYER ACROSSED THE COUNTRY STAEING THEY HAVE BASICALLY WORKED WITH XXXXXXXX XXXX WARRANTY COMPANY TO CONTINUNE TO DEFRAUD XXXX AND CONTINUE TO CASUE EMENSE FINANCIAL DITRESS TO MY FAMILY. NOT TO MENTION XXXX XXXX XXXX XXXX XXXX  IS SUPPOSED TO BE IN XXXX XXXX AND GET THERE BECUASE HER TRUCK IS STILL IN THE SHOP AFTER 18 MONTHS. 

- THE CONTINUE TO INTIENTIANLLY STEAL FROM USE - THEY HAVE NOT ADDRESSED THIS ISSUE WITH ME ONCE IN 2 YEARS AND I CO SIGNED FOR THIS LOAN AND THEY NEVER GAVE MY WIFE WHAT I SIGNED FOR. 

credit acceptance has been supplied with hundreds of documents and they STILL commit fraud taking our money, charging us, and post late payments for the fraudulent sale!!!! DENIED AGAIN FOR AN AUTO LOAN YESTERDAY!!!!!!!!!!!!!! Why? Late payments posted by you.
Consumer complaint received 2024-04-22
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. (IL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

An unknown collection has began showing on my credit report XX/XX/24 under XXXX XXXX XXXX reporting a balance owed of XXXX $ that I have no contract with and this debt is not mine.
Consumer complaint received 2023-11-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Adjustment Service, Inc. (CA)

XXXX XXXX is stating the amount is {$110.00} not {$160.00} so this company is scamming me and attempting to collect the wrong amount. XXXX also gave me the number to diverse adjustment and is attempting to cover the entire bill due to the modem being returned and no other payment should be owed. I spoke with XXXX from XXXX on XX/XX/. Because the modem was recieved on XXXX XXXX XXXX it will take a month for the bill to reflex and remove the balance on the account so XXXX was attempting to credit the full bill so that I may re-open the account. The collections agency refuses to speak with XXXX  and refuses to adjust the bill. They are forcing me to pay them money even though the client is attempting to remove the bill!!!!
Consumer complaint received 2023-09-05
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. (GA)

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. has violated my rights. Or list of inquiries 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 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (FL)

I have two pending Borrowers ' defense applications that are being reviewed. I also have loans for graduate school that are not related to the borrower 's defense. I have asked Aidvantage to separate my consolidated loans so that I can start making payments on my graduate school loans. It has been a month with no response. I have also contacted the Department of Student Aid. The Department of Student Aid has also advised that they have not received a response from Aidvantage now adding an additional 15 days. Loans are now incurring interest and I am to make payment on those loans.
Consumer complaint received 2024-04-22
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)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The Consumer Reporting Agency states my account was properly investigated however how is that possible if the open date is inaccurate, the date past active is inaccurate, inaccurate balances, reporting late payments, not reflecting on all accounts. 

My rights were violated under 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 States A Consumer Reporting Agency can not furnish an account without my written instructions. 

This is grounds for removal and I would appreciate it if these accounts are deleted : 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
Consumer complaint received 2023-08-07
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. (PA)

I filled a dispute with EXPERIAN because there are 2 fraudulent accounts on my credit report they are both from the same lender XXXX one was in XXXX, XXXX  the other XXXX, XXXX  EXPERIAN said they an investigation and found that these were my accounts which is not true so I did my own investigation and called XXXX at XXXX and spoke with a representative named XXXX and found out they have a fake email and phone number also the loan was used for XXXX XXXX in someone else name but they got a loan using my ss number strongly urge EXPERIAN to call this company and they will tell I never signed any paperwork they don't even have a copy of my ID
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-04-18
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: 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 PREFERRED LEASE : # XXXX XXXX XXXX XXXX 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 connot furnish a account without my written instructions 15 U.S.C 1681 C. ( 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, otherthan 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate I would like a full investigation and aalso delete all inaccuracies because i see all in question are all inaccurate i will like all these accounts that aren't mine removed they are putting a strain on my credit and are completely wrong and also are a violation of my rights with wrong addresses and wrong names and completely wrong accounts that i never had at all i want these removed from my credit report immediately and credit immediately
Consumer complaint received 2024-01-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I XXXX XXXX am a living breathing man created by God. I hereby in Good Faith am pursuing my right to 15 U.S.C 1635 A ( f ) to Rescind this transaction with XXXX XXXX Acct # XXXX. Amongst the several violations found within this transaction I was not disclosed my right to rescind which is an obligation required under this section together with the statement containing the material disclosures required under the sub chapter. XXXXheyre also obligated to clearly and conspicuously disclose this information in which they have failed to do so. I am rescinding this transaction as I have been deceived and manipulated into making payments even though the Finance Charge in pursuant to 15 U.S.C 1605 clearly states that A Finance Charge is the sum of ALL charges which also includes the insurance. They deceived me and made me purchase an outside third party insurance as well which is included in the XXXXinance Charge with interest. More proof that I was mislead and misinformed. Im exercising my God given rights and my right to rescind this fraudulent contract as there are many violations within the Truth-In-Lending disclosure ( TILA ) and Fair Credit Reporting Act ( FCRA ) as Ive never given anyone permissible purpose to furnish any of this information being reported on my Consumer Report.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (KY)

I opened a business checking account with Truist bank in XX/XX/. I opened the account here because of the current promotions that the company was offering. If I opened a business checking account and deposited {$1500.00} within the first 60 days I qualified for a {$400.00} promotional credit. Additionally, if I got approved for a business credit card within 60 days I qualified for an additional {$300.00} promotional credit. I opened my account in a physical branch with the branch manager, XXXX XXXX. She validated the current promotions being offered and I was approved for $ XXXX line of business credit while I was in the branch on the day of opening the account. For some reason ( that was never shared with me ), a month later in XXXX I received correspondence that my credit application was denied? I'm not sure why, I contacted XXXX, and she was supposed to handle that for me as she was confused on the rescinded offer as well. 
Not only did I not receive the {$300.00} promotional credit for the credit approval I also have not received the {$400.00} for depositing {$1500.00} within 60 days ( which I did my transferring my business earnings from my personal checking to my business account which XXXX assured me was acceptable. ) This situation has been ongoing for 7 months now with no resolve or clear communication as to what is going on and why. I even contacted corporate and they also had no resolve. This is completely unacceptable.