davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit ( 2 ) Insurance, ( 3 ) an application for employment, or ( 4 ) a court order. 

The following inquiries are not related to one of the allowable purposes, as I have reiterated from the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
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. (GA)

This company has refused to honor my requests and properly investigate my disputes citing on numerous occasions that " A credit repair company was used to issue disputes '' when in fact I mailed these disputes myself. I've sent in an updated police report, FTC reports as well as numerous requests to resolve my issue all to my dismay.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAVALRY INVESTMENTS, LLC (NY)

I am disputing this collection agency XXXX XXXX XXXX the amount of {$8100.00}, I do not have a contract with them. XXXX, I know where they got this loan from. I need the original contract date opening payment made. It was reported on my credit reports and have no contact with this collection agency. I want them to remove it immediately it's in the packing of my credit score account # XXXX it is reported as collection and charged off, next is the Cavalry portfolio collection agency They are collecting. for an account that was XXXX XXXX  and closed XXXX XXXX XXXX XXXX XXXX XXXX  it's still harassing me and calling me and sending me mail I want them to stop harassing me and remove all collection and charges from my credit report account # XXXX amounting to {$3200.00} the original loan amount was {$2000.00} I would like them to provide your original contracts with XXXX. XXXX XXXX was closed for a long time. I don't have any contact with them. Cavalry portfolio agency. This accounts. I don't even have the original anymore because he has been popping since XXXX  I don't have any documents of all the XXXX doses.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I regret to notify you of how disturbing it is that you select not to solve my identity theft issue due to an apparent error or significant fact misrepresentation. What power do you have to decide what constitutes relevant facts? You are not a judge, you are not a juror, and you have no right to any of these things. The Federal Trade Commission ( FTC ) mandates compliance with the law when it receives an identity theft report about identity theft filed by a law enforcement agency ( in this case, the FTC ). 

I believe that involving law enforcement is an essential measure to ensure a thorough investigation and resolution of the matter. I am committed to assisting law enforcement agencies in any way necessary to facilitate their inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I trust that your organization will take this information into account and cooperate fully with any law enforcement inquiries that may arise from this matter. If there are any further actions required from my end to support this process, please do not hesitate to contact me.
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc (OR)

I woke up on XX/XX/year> at about XXXX to a text message and XXXX emails from Affirm. The text message was sent at XXXX XXXX  with a code that said to not share. The emails came in at XXXX, XXXX and XXXX. The first XXXX emails were telling me that XXXX was processing my order. The third email stated that I have XXXX in purchasing power and that I'm now able to spend that much with Affirm. I did not authorize any of these transactions or request to have purchasing power. Mind you, I do have an Affirm account already where I used it to purchase a XXXX ( now paid off ) and a Tonal ( still owe XXXX ). Affirm takes out monthly payments from my checking account to pay towards my Tonal purchase. I called Affirm on XX/XX/year> at XXXX as soon as I woke up and saw the text and emails. I let them know it was fraud. They stated they would do an investigation that would take 30 days. Today, I saw Update that XXXX of the charges was refunded ( XXXX ) but the other charge still said pending. I then received a email stating that they determined the charges were accurate in the pending XXXX order and that I was responsible for paying it. I then called Affirm to find out why the other charge was still there and they stated they are still investigating it. They told me l needed to fill out an online form through their app stating " unauthorized use ''. I did that and one of the questions asked me if I filed a police report and wanted the case number. About an hour after I finished the online report on Affirm I received a text stating thank you for signing up for autopay on my XXXX order. Which I never did. Affirm had told me that they put a block on my account so no one can access or use my credit. So not sure why things are still happening. I'm very frustrated to say the least. 
Please help.
Consumer complaint received 2024-05-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

My loan servicer changed from Nelnet to Sloan Servicing without proper notification, and was unable to log on and access my account, which then went into delinquency. 

After paying off the full amount of my student loan upon learning of the amount due, and the company it was now due to, I requested the delinquency to be removed from my credit report, which was denied, despite having paid.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I've already notified the appropriate creditors about these phony accounts, and I've sent along all the supporting paperwork needed to confirm the accounts ' late payments. Several credit reporting agencies have verified the instances of late payments and swiftly removed these accounts from my credit history. 

XXXX XXXX XXXX- This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service. 

XXXXXXXX XXXX XXXX XXXXXXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service. 

I am aware that you have 30 days after receiving a customer dispute to look into disputed information in accordance with the Fair Credit Reporting Act ( FCRA ). I implore you to act quickly to settle this matter and make the necessary updates to my credit record. 

In addition, after the required adjustments have been made, I would like a copy of the updated credit report as well as written confirmation of the removal.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (CA)

I received a letter dated XX/XX/2024 regarding a debt from Central Portfolio Control stating the current creditor XXXX XXXX XXXX for a balance of {$3800.00}. I responded to the letter on XX/XX/2024 asking them to provide me information to validate the debt belonged to me since I have experienced identity theft in the past. This information wasnt provided nor did Central Portfolio Control respond back to my request dated XXXX, however the information was reported on XXXX, XXXX and XXXX reports as a collection.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I am currently in the process of buying a house and noticed that on my credit report, there was a collection in the amount of {$15000.00} from a collections company called Jefferson Capital. I do not know what this debt is or where it came from. Our mailbox has been broken into many times and I know that this is due to identity theft. Again this is not my debt and need to be removed from all three of my credit reports immediately.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Accscient, LLC (GA)

NATIONWIDE RECOVERY SERVICE , INC IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA. 

Nationwide Recovery Service , Inc . 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2024 NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

You have fraudulently accessed my personal information that I did not give consent for you to have. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete this request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ). 
In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent letters to Transunion in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and no help I call the bankruptcy court and they informed me that Transunion has not reached out to them and its against the law to speak with them. The Fair credit act repair requires them to verify this information and they havent done so. Please have them remove this incorrect information from my report this is gendering me from purchasing a home and inquire a security clearance for my job
Consumer complaint received 2024-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently pulled my credit report on XX/XX/XXXX I know inconsistencies on my credit report. The credit reporting agencies per FCRA is responsible for reporting 100 % ACCURATE, VERIFIABLE AND COMPLETE information on my credit report. I look and notice ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT XXXX XXXX is still reporting an account that was sold to a collection company by the name of XXXX XXXX XXXX  XXXX Its been XXXX  months of this creditor still reporting inaccurate information on my credit report. The account been charged and was sold which the credit written it off as bad debt. Im requesting all business transactions documents with this account in question I want the account ledger, 1099 OID report, 424 b5 prospectus and RC-S & RC-B call schedules to be sent immediately. If you are unable to provide me out these documents I ask that you delete this account immediately. The date last verified from TransUnion XX/XX/XXXX is inaccurate. XXXX is missing the date last verified which is inaccurate. Date last activity TransUnion XX/XX/XXXX, XXXX date of last activity is XX/XX/XXXX is inaccurate. Date last reported XX/XX/XXXX. XXXX date last reported XX/XX/XXXX is incorrect. TransUnion date open XXXX XXXX date open XX/XX/XXXX is inaccurate. TransUnion date closed XXXX XXXX date closed is missing the date. This account has been in dispute since XX/XX/XXXX the dispute status on my credit report reads account not disputed this how I know TransUnion and XXXX did not investigate this account at all also XXXX year payment history is incomplete. I want this unverified, unproven, obsolete, incomplete and inaccurate information deleted from my credit report immediately.
Consumer complaint received 2023-05-13
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc. (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have not received the check after closing the account. I went to the branch, and they informed me that the check was sent on XX/XX/XXXX. I had to call customer service to confirm the situation, and they told me that the funds were frozen, although the account showed the customer had withdrawn the money. They asked me to provide the receipt from when I made the deposit. I provided my ID and was recorded by the camera at the branch when I made the deposit. They insist on me providing evidence of the deposit, but I made the deposit on XX/XX/XXXX and have since lost the deposit receipt. Their inconsistent statements seem like an intentional effort to withhold the money. They have cameras in their own branch and I provided ID when making the deposit. Now they want me to prove that the money was deposited by me? It's truly terrifying. They demand proof of my deposit, or else they'll indefinitely freeze my funds and refuse to give me my money. 

uploaded some pictures I went to the branch, bankers wrote me number or cases etcs
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Experian is reporting that XXXX XXXX on behalf of XXXX. XXXX XXXX, has reopened a collections account as of XX/XX/2023. A similar collections account was on my file previously but had it fallen off a couple months ago and now has reappeared. This account has been re-aged.
Consumer complaint received 2023-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (AZ)

Bridgecrest is violating the law with misleading practices, unfair debt collection. 
15usc1692 Committing fraud with down payments 15usc 1605 Violating the law by giving my information to third party without my consent 15usc 1605 unlawful finances charges
Consumer complaint received 2016-12-31
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Resources, Inc. (TX)

I have not been notified that my hospital bill was sent to collection. I started receiving called from a number leaving me automated messages like " if this is ( my name ) please call back about your collections account ''. They call every day during working hours, no one tells me what debt I owe or who they are, just leaves messages calling and saying I need to call back.
Consumer complaint received 2023-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

The original debt was from an old XXXX XXXX Credit Card Account. Midland Credit Management Inc was not the original credit card company nor were they represented as a collections agent for XXXX XXXX, even though they say they are. XXXX XXXX confirmed that Midland Credit management is not the debt collector on this account. Midland Credit purchased this debt from XXXX XXXX and then sued me saying that I owed the money, even though I did not have any credit or an account with them. 
I went to court and explained the situation but the court said that even though they aren't the creditor and are not the collection agency for XXXX XXXX, hey have the right to sue me anyway. 
This was on XX/XX/2021. 
I have paperwork that shows that the amount that the court decided that I owe is {$2000.00} which is the amount that I owed XXXX  XXXX. I have legal paperwork from the court that is notarized by the courts, which shows this amount. 
Midland Credit Management insists that I owe them {$2700.00} and that they are not honoring the agreement because no such agreement exists. They claim that the court awarded them {$2700.00}, even though the notarized paperwork says {$2000.00}. 
They are fraudulently trying to get me to pay more than I owe, and are constantly harassing me and threatening to sue me again for even more money plus court fees. They even hired the XXXX XXXX Sheriff 's Department to serve me paperwork stating that I need to list all my assets that the Sheriff 's Department would confiscate and surrender to Midland Credit management.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Adler Wallach & Associates, Inc. (CA)

18 USC 1028A is a federal statute in the United States known as the " Aggravated Identity Theft '' law. This law makes it a crime to knowingly transfer, possess, or use another person 's identification or means of identification during or in relation to certain felonies, including any violation of federal immigration law, or any act punishable under specified sections related to terrorism, espionage, or domestic violence. The penalties for violating 18 USC 1028A are severe, with mandatory additional prison time imposed on top of the sentence for the underlying felony. It's an important law aimed at combating identity theft and related crimes.
Consumer complaint received 2024-03-27
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Capital Management Services, LP (NY)

XXXX XXXX XXXX closed my account and sent my card debt to collections with Capital Management Services. On XX/XX/XXXX i called and placed a payment for XXXX to settle the account in accordance with a 30 % settlement offer. Then on XX/XX/XXXX I called back and made an additional XXXX payment to finalize settlement. CMS accepted and processed first payment and then accepted settlement on the account but instead of settling moved the account to current status and not settled. I attempted to make a XXXX payment of XXXX and settle the account which was accepted but was then never processed. When I called back I was told that CMS no longer had my file and that XXXX had possession of it. Upon calling XXXX I was told that they did not have my file and that CMS had the file. And calling CMS back they told me that they cancelled my 2nd payment and sent my card data back to XXXX starting an endless cycle with me no longer having a settlement agreement. I called XXXX and was provided confirmation numbers for the first payment of XXXX which was XXXX and for the XXXX attempted payment was XXXX. I called XXXX as well. And was also provided with a defunct number of XXXX.