davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NJ)

National Credit Systems was contracted by XXXX XXXX XXXX to collect a debts which is based on a civil judgement meted out XXXX XXXX  Municipal Court in XXXX, Pennsylvania. I was ordered by Judge XXXX to pay a specific amount to XXXX XXXX XXXX, an amount which I have since paid to XXXX XXXX. National Credit Systems has insisted that I pay an amount to XXXX XXXX which is more than the court order administered by judge XXXX. I have sent documentation in addition to the copy of the court order to both National Credit Systems and XXXX. Both respective companies have chose to ignore the court document which is proof positive of the correct amount that is owed to XXXX XXXX. XXXX XXXX has purposely decided to report an incorrect that is owed to circumvent the civil judgment administered by Judge XXXX as a method to navigate around the law which disallows civil judgments from being reported to the major credit bureaus in the absence of particular vital information on the civil judgment.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX seems to continue to experience issues regarding furnishing student loan account changes to the credit bureaus. Experian, specifically, has not received an update since XX/XX/31 despite the fact that I have paid off XXXX accounts and made a significant payment on a fourth. 

In addition, XXXX is impossible to get a hold of via phone due to seemingly low staffing levels and obscenely inconvenient call center hours which results in ridiculous hold times.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Sale contract from XXXX XXXX has continued to report monthly a balance that continues to increase on a closed account. Ive never made any payments to them but it reports that I have. Their court case was dismissed for illegally selling the contract and yet XXXX and Transunion continues to report. Ive disputed several times and they mentioned it was verified but I have not document showing how or through who the information was verified. The original contract was XXXX for a total {$1600.00}. As of today there is a balance reported of {$2200.00}??? XXXX XXXX has refused to tell me where the accumulation is coming from. I will provide all the paperwork I have to help I just dont know what to do as Im getting the run around about how to fix this. I did some research and found that it appears to be illegal soliciting where they knocked on my door to sell a vacuum initially I accepted but declined the next day. I still have the brand new vacuum as I told the courts and XXXX has not come to retrieve it the same way the brought it to me. Any real help would be appreciated.
Consumer complaint received 2023-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

In accordance with the Fair Credit Reporting act Midland Credit Management Inc. 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 an account without my written instructions.

1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter 2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my wet signature.

6. Please provide a complete account history, including any charges added for collection activity.

7. Cease and desist as this is identity theft.

For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Consumer complaint received 2023-10-15
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. (IL)

15 usc 1681 section 602 : I have the right to privacy.

15 usc 1681 section 604a section : Consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666 ( b ) : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank (GA)

I had a close account with Synovus bank from about a year ago. The agent recently said that I had a negative balance wants the account clothes and I was unsure as to how that happened. Synovus wired my IRS refund to XXXX XXXX XXXX and they took my refund. It was {$5400.00}
Consumer complaint received 2023-10-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (OH)

I opened an account with XXXX in XXXX of XXXX. It was a " no contract '' monthly internet service that was " month to month ''. 

They tell you that you have to call in to cancel the service. I stopped into the store and called! 

On XXXX  - the business account for XXXX XXXX XXXX was canceled in the XXXX XXXX. It was communicated that no equipment needed to be returned and that there will be no continued bill. 

on XXXX - a phone call was made to the customer service department to inquire about a bill received for {$150.00}. It was discovered at that time that the billing did not discontinue and although no usage or activity was on the unit, the account wasn't closed and the amount was then due. 

AGAIN- the account was requested to be closed. It was guaranteed that if I paid that {$150.00} that there would be no continued service or charges. 

Based on recent communication, $ XXXX has continued to be charged by XXXX. The suggested amount owed is {$310.00}. Additional {$77.00} was charged from a collection company - totaling {$380.00} is due. 

This is not an active account and the request to cancel has been sent multiple times. 

This is not a valid charge and therefore will not be paid.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

Late XXXX, XXXX I received a collections letter from Kimball , Tirey & St John LLP. This letter only gave an amount owed with no information on the supposed debt, other than the money owed was to XXXX XXXX, a property located in XXXX XXXX, CA. I called the collector for more information and to state that the debt was not mine. I requested a copy of the rental agreement, but was denied, stating that they can not provide evidence in a case against me. In order to dispute the claim they request copies of my drivers license, social security card, utility bills and mortgage statements, to prove I did not live in said property. 
In the first week of XX/XX/2023, I physically visited the office of the debt collector. I was not allowed into the office, but someone met me in the hallway. Again, they refused to provide me any documentation of my file, but he went in and provided me with a generic spreadsheet of monies owed to the property, XXXX XXXX. 
I attempted to contact XXXX XXXX, but the receptionist could not locate my file, I was told a manager would return my call, but this did not happen. 
XX/XX/2023 I followed up on this matter with the collector. I called and again requested a copy of the rental agreement. This person agreed to send it out. 
XX/XX/2023 I received a copy of said rental agreement for XXXX XXXX XXXX, which has no information proving this is a legitimate contract with myself other than my name typed once in the header. There is no actual signature, it is an electronic signature. There is no copy of any identification on the rental agreement. No proof of any rent payments or attempts to collect any past due payments. Furthermore the supposed move-in date is a year prior to the rental agreement. 
According to the rental agreement, the Property Manager is XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. And the authorized landlord of the property is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX.
Consumer complaint received 2018-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (PA)

Pay pal and XXXX held funds without my authorization, in doing so they have caused me Financial Deformation. It is now XX/XX/2018 and my funds have been held for a week and I have to ship .XXXX XXXX XXXX XXXX to the buyer but I am unable because my funds are being held without my authorization. Spoke with XXXX representative, XXXX had see refused to release my funds after she verified, delivery of product. 

Paypal payment address is XXXX XXXX - XXXX XXXX XXXX ( XXXX ) XXXX HOLD Payment Received XX/XX/2018 XXXX - XXXX XXXX XXXX ( XXXX ) XXXX HOLD Payment Received Loading transaction details for XXXX - XXXX XXXX XXXX ( XXXX ) XXXX HOLD Payment Received + {$75.00} Print shipping label Add tracking info Contact XXXX XXXX - XXXX XXXX ( XXXX ) XXXX HOLD Payment Received XX/XX/2018 XXXX - XXXX XXXX ( XXXX ) XXXX HOLD Payment Received Loading transaction details for XXXX - XXXX XXXX ( XXXX ) XXXX HOLD Payment Received + {$86.00} Track Shipment Contact XXXX
Consumer complaint received 2024-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-05
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. (NY)

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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made a purchase for a company called XXXX I had a balance on my card of XXXX after the purchase bal was XXXX I had an issue with the company so I decided to cancel the order but kept getting no anwser for a refund so I called BOA and they removed the charge which brought my balance back to the original amount of my initial balance of XXXX XXXX sent me an email that the refund was processed to my finial institution the very next day after BOA made the adjustment so I called and canceled the claim my bal showed a deduction of XXXX from the XXXX which made my bal XXXX which I paid in full instead of bank of america charging me the XXXX there also charging me the XXXX I'm a bit confused as to why It took until XX/XX/XXXX to show an adjustment and why I'm still being charged the amount t plus now an interest charge when I was in constant contact with the bank my account said XXXX after a another charge and payment of XXXX after the payment I made XXXX my account was at XXXX on XX/XX/XXXX then bank of america added the charge back of XXXX they never gave me an actual credit the removed the charge from the credit card the numbers just don't add up for me it's like if my balance said XXXX after the amount was refunded instead of XXXX then I would have paid the full amount but if bank of america uses those tactics to get interest fees the that's wrong there are lots of recordings about this acount and the charges I was even told that it would get adjusted and the charge removed on XX/XX/XXXX when the closing date went into affect I need someone else to go over this account and explain Bank of America has been my bank since XXXX and I'm very disappointed in the extra fees I'm being charged even XXXX is alot Right now XXXX it's really alot especially when the Bank is in control of your money and dosent want to take the blame when there's a problem please listen to every recording about this charge I recorded a few conversations after making the agent aware that I to was recording the call.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$450.00}
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (NV)

I recently reviewed my consumer report and I've noticed some incorrect and fraudulent accounts on my consumer report that should not be there. I was a victim of idenity theft and i need these fraudulent accounts removed immediately. 

1. XXXX XXXX XXXX XXXX XXXX. Account # XXXX
Consumer complaint received 2023-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (UT)

On XX/XX/14 a payment of {$420.00} was taken from my account unbeknownst to me, XXXX had scheduled a payment from me that was half of my paycheck. 

They completely ignored my pending applications for XXXX and XXXX programs. 

I never authorized the amount they took. I was never informed of the amount. I received letters that my serviced had changed, but that was all.
Consumer complaint received 2023-10-15
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. (MO)

Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being.

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report. 

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA. 

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter. 

Thank you for your cooperation in resolving this issue.
Consumer complaint received 2023-10-15
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. (DE)

I filed a complaint against Equifax for violating my rights to privacy in XXXX of 2023. 

They are furnishing my credit use nad late payments on my Consumer Report after I formally opted out of said reporting. 

Due to this violation of my privacy, It's becoming difficult to obtain new credit.
Consumer complaint received 2023-04-19
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. (CA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-15
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: Experian Information Solutions Inc. (MD)

I have sent experian letters 45 day apart asking them to delete the wrong listed addresses and wrong names from my credit report. I included the letter a copy of my ID, social security card, and 3 proofs of addresses each time. I recieved a letter stating they did not remove the addresses after the 1st letter but did not recoeve any notification after the 2nd or 3rd letter. All names and addresses I ask to be removed still remain on my credit report. That are not my correct names nor my correct addresses, I own several properties at which I do not reside at and can not or have access to the mail going there. These addresses and wrong names need to be removed from my credit report immediately. XXXX and XXXX removed them on the 1st letter I sent.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IL)

Nelnet seems to continue to experience issues regarding furnishing student loan account changes to the credit bureaus. XXXX, specifically, has not received an update since XXXX  despite the fact that I have paid off three accounts and made a significant payment on a fourth. 

In addition, Nelnet is impossible to get a hold of via phone due to seemingly low staffing levels and obscenely inconvenient call center hours which results in ridiculous hold times.
Consumer complaint received 2023-05-11
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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