davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CLGF Holdco 1, LLC (TX)

XXXX Reported to XXXX XXXX  by phone agent, that this debt in constantly being reported on my credit report negatively affecting my life. This debt has become an unnecessary hindrance to my ability to estabish credit and enjoy life. The debt reported is a {$620.00} debt for the calendar year of XXXX. 
25 years later i am still being contacted by a debt collector for payment that i do not owe! 
I currently have a very low credit score and am being rejected and this undue adversity only complicates matters for me. 
The debt is not valid and should not even exist or be reported in any action as i went through bankruptcy in XXXX, clearing my debts. Also being, unlawful for any agency to report any debt after 7 years, this has been almost 4 times that length of time, causing 4 times the adversity.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aldous & Associates, PLLC (GA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information ReferraXXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (TN)

The specific concerns I would like to bring to your attention include the collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency is violating my consumer rights by using misleading, misrepresentation and deceptive means. The collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2023-12-13
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (IA)

I am writing in response to your recent correspondence regarding the alleged debt associated with my account. I appreciate the validations you have sent ; however, I must emphasize that none of the provided documentation includes any agreement that I have signed, explicitly binding me to the debt collection efforts undertaken by your agency.
Consumer complaint received 2024-04-06
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. (NC)

15 U.S. Code {$1600.00} XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.
Consumer complaint received 2024-02-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (KY)

Receivables Management Partners , LLC ( RMP LLC ) has been harassing me every day at least twice a day via various different phone numbers to collect a debt that is not legally mine. 

I leased a new vehicle back in XXXX. I sat in the dealership with the salesman as he called the original credit union directly for a payoff amount, it was read off via the automated phone menu, and the salesman sent that exact amount to the original credit union and I signed the title over to said dealership ( Performance Select cars in XXXX, KY ). 

Days after I began receiving letters and many many calls regarding a {$65.00} difference in the payout amount that I'm not even legally responsible for as the car title hasn't been in my name since that car was signed over before I left the dealership lot. 

It took maybe a week before RMP, LLC began harassing me everyday with various different numbers NUMEROUS times a day. 

I've answered twice on recorded line explaining the debt is not mine legally and they will get nothing from me, if they'd like it paid contact those legally responsible at XXXX XXXXXXXX XXXX in XXXX. But they still keep harassing me with calls and texts every. Day.
Consumer complaint received 2024-06-21
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. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-06
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. (AZ)

I received notice that the XXXX XXXX XXXX information was fixed and updated. I pull all 3 reports just to find the inaccuracies are still reporting. XXXX has paid current, XXXX has XXXX late payments and CO, and Experian has 120 days late. Please there is nothing these agencies can tell me because XXXX XXXX is the one reporting the information to these agencies and it should not be inaccurate across the board. Please delete immediately as it is hindering my ability to obtain credit. I am in the middle of a housing sale and this is becoming a thorn in my side as i have been disputing this inaccuracy for over 6 months now. IT IS A VIOLATION AND IT DOES NOT CONTAIN MAXIMUM ACCURACY AND IT NEEDS TO BE DELETED. AT THIS POINT XXXX XXXX HAS HAD 180 DAYS TO CORRECT AND ITS STILL INACCURATE PLEASE DELETE!!!!!!!
Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NJ)

There is a collections account under XXXX XXXX for and amount of {$XXXX}. This account or debt does not belong to me and may be a confusion with someone else who opened this account fraudulently under my name or another name similar to mine. I have provided many documents of evidence showing this account does not belong to me and they continue to find ways to keep this account on my collections. I can not take responsibility for account that is not mine.
Consumer complaint received 2024-03-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EA Holdings Corp. (IL)

Easy Acceptance is alleging I owe they know I do not. The contract which acts as the note is the security that bankrolled this credit transaction. Easy Acceptance also repossessed the car so they incurred no loss because they still have the contract to trade for profits and the vehicle. What Easy Acceptance is doing is known as securities fraud which is punishable under federal law. Selling this deceptive information is also a violation of the Fair Debt Collection Practice Act. 

Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (AL)

On Wednesday, XX/XX/2023, I received an email from Chase alerting me that someone had requested a new card from my account. On Thursday, XX/XX/2023, I also received a phone call from a man claiming to be from Chase, saying there were fraudulent charges on my card and to confirm my credit card number. I called Chase using the number on the back of my card and they alerted me that someone I did not know had added their name and personal address to my account and added themselves as an authorized user. This person also requested a new card under my account. I worked with Chase to lock my account and issue new cards.
Consumer complaint received 2023-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

I am participating in the Public Service Loan Forgiveness program. My consolidated loans under this program are Serviced by MOHELA. Per MOHELAs website and repeated admission, my 120th and final payment was applied as the XX/XX/22 payment, qualifying the balance of my loan to be discharged in its entirety. It has been over 180 days and still MOHELA recognizes a balance and forecasts future payments due. I wish for MOHELA to follow the federal guidelines pertaint to my loan under the PSLF program and discharge my remaining balance at once.
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Credit and Collections Inc. (TX)

I called the collection UCCXXXX on to inquire of the date. I asked that they send me a letter or proof of debt invoice by mail. I received the letter on XX/XX/2024 to disclose the amount that is owed and who the original creditor was. I sent a pay to delete letter by email to the collections agency on XX/XX/2024. An agent called me and left a message saying they wouldnt make a settlement so I called them back on XX/XX/2024 and made a full payment. There was not clarity by them that they would remove the debt from my reports. I called and never gotten a phone call back for confirmation of removal of the debt. I feel they are avoiding me now.
Consumer complaint received 2024-02-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CashRepublic Holdings, Inc. (TX)

*** New Complaint*** Omni financial is attempting to belabor my concerns through misrepresentation of facts and lack of accountability.

Omni did in fact violate both the XXXX and XXXX at the time of loan issuance and subsequent refinance. Omni is well aware that policies in place at the time violated consumer rights and has continued to charge interest to the amount of XXXX on a loan that should be entirely void. 

Ive attempted to contact XXXX XXXX without success. No member of Omni has contacted me. 

Im attaching original response and except surrounding XXXX as Omni is incorrect in excusing violations. As civil penalties are dated for any violation taking place XXXX or later, Im now seeking damages for both financial and mental hardships.
Consumer complaint received 2024-04-06
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)

I believe a few accounts listed below have violated the Fair Credit Reporting Act in terms of accuracy and my privacy. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A says i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 says a Consumer reporting agency can not furnish an account without my written instructions ( The bankruptcy courts do not provide information to the credit bureaus. The credit bureaus collect information regarding bankruptcy cases from the Bankruptcy Courts public records. No matter the status of your case ( open, closed, discharged, dismissed ) 15 U.S.C 1681s-2 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate.

I also was never given the opportunity to check or dispute information on these accounts, if you believe you have proof of my acknowledgement and receipt of the information on these accounts please provide this proof with my name and signature of acceptance if you have sent certified mail please provide me the receipt with my signature these accounts are hurting my efforts to reestablish credit since my bankruptcy
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

dear Credit Bureau : XXXX XXXX XXXX XXXX is the Chief Financial Officer at the Trans Union LLC i, XXXX XXXX XXXX XXXX living XXXX are victim of identity theft and fraudulent activity. i, have tried to deal with different Corporations concerning private property held in Trust. i, have no contract with those Corporations. per the Uniform Commercial Code, ( UCC ), many notifications, and no rebuttals in affidavit under penalty of perjury caused the default judgments put upon them.

i need all credit scores recorded by Your Agency of the ALL CAPS NAMES ABOVE to be corrected and the record cleared. i discovered the identity theft put upon the copy-written from birth. ( see non-UCC-1 and TRADE NAME ) I had no way of signing my name on any contract or agreement. this is perpetual Fraud an Identity Theft. i, XXXX XXXX XXXX, entitled owner and Power-Of-Attorney-In-Fact have claimed the above ALL-CAPITAL-LETTER-NAMES, and SSNs created by the State Registrar. the STRAWMAN, OR LEGAL FICTION created under the CESTUI QUE VIE ACT IN 1666 and UNAM SANCTUM is now held in Trust.
Consumer complaint received 2024-04-06
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: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint against your agencies for failing to conduct a timely investigation and rectify inaccuracies within my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a dispute regarding discrepancies observed in my credit report pertaining to XXXX XXXX XXXX XXXX. Despite being well within the 30-day period mandated by the FCRA, I have yet to receive a response or any indication of an investigation being conducted. 

The discrepancies identified include variations in reported last activity dates across XXXX, XXXX, and Experian. Specifically, Experian lists the last activity date as XX/XX/XXXX, XXXX as XX/XX/XXXX, and XXXX as XX/XX/XXXX. Additionally, there are inconsistencies in the representation of payment history, with XXXX indicating XXXX instances of 90-day late payments compared to only 1 reported by Experian. Moreover, discrepancies in on-time payment percentages and specific entries further highlight the lack of accuracy and consistency in my credit report. 

These discrepancies not only violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 but also undermine the integrity of the credit reporting system. As per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), it is your obligation to conduct a reasonable reinvestigation within 30 days of receiving notice of dispute from the consumer. Yet, your agencies have failed to fulfill this obligation, thereby disregarding the purpose of the FCRA to ensure fair and equitable treatment of consumers. 

I demand an immediate escalation of this matter and a thorough investigation into the inaccuracies and inconsistencies reported in my credit report. Furthermore, I insist on receiving documented proof of any alleged late payments associated with my account. 

It is imperative that XXXX, Experian, and XXXX take swift and decisive action to rectify these violations of the FCRA and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this complaint and pursuit of legal remedies available under the FCRA. 

I expect a prompt response and resolution to this matter. Please do not hesitate to contact me if further information is required.
Consumer complaint received 2023-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have recently received information from Experian of a allegedly Bankruptcy that they say was verified from the court, I contacted the court who response was they don't verify to credit bureaus. I disputed the information again for proof of verification from Experian who responded that this was verified from XXXX XXXX I reached out to XXXX XXXX who sent me documents of a removed bankruptcy for being unverified. I sent that information to Experian on XXXX and they just responded with a result of accurate and unchanged result on XXXX. I called to speak with Experian and spoke to XXXX in the dispute department who said it was verified from XXXX XXXX XXXX XXXX who is not a verifiable source. XXXX XXXX Denied me credit for this alleged Bankruptcy.
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (FL)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX5 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 2024-02-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I have had accounts with this company for over 10 years and I have been making payments for 6 years on a {$20000.00} loan I took out over 10 years ago but now the loan is more than {$30000.00}. I have been making payments but the payments have never been going towards the interest. My monthly payments are constantly hundreds of dollars and it does not make a difference. They have never tried to work with me despite unemployment. They have contacted my co-signers despite my financial hardships even during the pandemic. I have a good income but not matter how much I make, these payments will continue to swallow all of my paychecks for another decade. I have not been able to get my loans refinanced. I filed bankruptcy in XXXX  but it did nothing for this debt.