davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was laid off from my job so I called XXXX to tell them I'd be late paying. They supposedly marked it down. About 60 days later, I don't think it was even that long, I got a letter from XXXX a debt collector. I paid that day. It was only {$60.00}. They actually sent it to the credit agencies. It's been 4,5 yrs now and it's crippled my life in many ways. My XXXX  would be XXXX, it's about XXXX because of this inaccurate information. I've called XXXX several times, disputed this with all XXXX bureaus and also hired XXXX XXXXthey we're totally useless. It says XXXX balance but it has a delinquency on my reports. I've tried everything ... How can 1 company have all this power over someone's life?? It's a utility in case I didn't mention that.
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have called TransUnion as well as sent letters asking them to remove all unauthorized inquiry from my credit report. Which then they turn around and send a letter pretty much saying they wont remove them. Which I know by law that, that isnt true they have to remove any unauthorized inquiry.
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (SC)

I'm " XXXX XXXX XXXX, '' and I value you setting aside some efforts to CORRECT the inaccurate accounts in my credit document ; as a matter of fact, there are still a few records that needs to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). The following accounts are inaccurate and have to be corrected these : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$260.00}.
Consumer complaint received 2023-05-31
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: American Credit Acceptance, LLC (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( American Credit Acceptan ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
instructions. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( American Credit Acceptan ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
instructions. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( American Credit Acceptan ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
instructions. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-02-02
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. (MI)

I have previously disputed this item with you > XXXX XXXX XXXX MICHIGAN. Reference # XXXX < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (DE)

I bought an American Express prepaid gift card in XX/XX/2021, it has {$500.00}. I spent {$490.00} on a XXXX website. XXXX deducted a pre-authorization of {$0.00}, and these orders were canceled by the merchants. The money was returned to my card. Due to XXXXXXXX XXXX, I need to go XXXX  for a period of time and can not use this gift card. In order to prevent it from being stolen, I called a customer service representative and left my information to lock the card. When I came back from work, I couldnt find where is the card. I only left the number of the card in my mobile phone. I called the customer service and provided the personal information I left at that time, and apply to unlock my card, but Instead they asked me for the serial number of the card, I was never told to keep this serial number, just have the correct card number date and security code to use, no one told me to provide this serial number, I provided all the information I gave to the customer rep they couldn't help me, it shocked me, AmEx is a big company, how can they be so rude to take money from customers? it's really shocking to embezzle money in such a way, my card I can provide information but can't re-unlock my card, this is hard for me to accept.
Consumer complaint received 2022-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (UT)

I've been in the process of XXXX loan forgiveness. Was transferred from XXXX  to mohela even though I was already past the XXXX payments. Everything is taking months to process, it's impossible to get someone on the phone to explain what is happening, and the entire process has been the least transparent experience I've ever had with any loan or financial service in my life. It's not all on Mohela, also dept of ed., but it seriously undermines the entire point of the reforms to the system in the first place.
Consumer complaint received 2017-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe (NV)

Some years ago, I had my purse stolen. I reported it to the police department when I resided  in Florida  but  whomever  the person was still open things in my name and I did n't find out until later. At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XX/XX/year> :
Consumer complaint received 2017-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (CO)

Not a valid collection - balance paid to  ORIGINAL CREDITOR.      At the time of the payment to the ORIGINAL CREDITOR the account with receivable management was CLOSED. They had nothing to do with the payment I made directly to the ORIGINAL CREDITOR  XXXX . Now they have opened a false account on my credit report stating I paid this debt in full. I paid this debt to the ORIGINAL CREDITOR   XXXX  , not receivable management.
Consumer complaint received 2021-10-18
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: Resurgent Capital Services L.P. (CA)

I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (NJ)

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

My name is 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.
Consumer complaint received 2022-12-29
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. (TX)

EXPERIAN HAS AN INCORRECT NAME DUE TO SOMEONE FRAUDENTLY ACCESSING MY PERSONAL INFOMATION DUE TO A DATA BREACH. THIS REPORTING AGENCY HAS ONE OF THE NAMES USED ON MY CREDIT REPORT AS XXXX XXXX AND I HAVE NEVER USED NOR BEEN KNOWN BY THAT NAME. IT NEEDS TO BE DELETED PROMPTLY!!!
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I purchased a vehicle in 2016 with a subprime loan through XXXX XXXX  I paid consistently for 2 yrs then lost my job. I self repossessed returned car which was run through auction. To this day 7yrs later it is still on my credit as an open delinquent account with same money due from before auction. I have contacted them with no option but to pay full amount. They keep checking my credit and will not close account or remove it. It is hurting my chances of ever getting a home loan or better credit. I feel this practice of high interest loans is wrong as it can never be paid off successfully. I need help getting it removed or closed. Please.
Consumer complaint received 2024-03-25
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. (NY)

I have many issues with how TransUnion, XXXX, and XXXX are reporting collections and closed negative accounts on my consumer report with my verbal or written consent.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 6802section ( b ) Opt out In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. My consumer report is private information. I have not received any disclosures from any of the following accounts : XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXXXXXX {$850.00} XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$630.00} I need the mentioned accounts removed from my consumer report immediately, the mentioned accounts are ruining my consumer report and my credit score which is hindering me from getting any new credit lines and credit loans.
Consumer complaint received 2020-05-01
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: Experian Information Solutions Inc. (MO)

XXXX XXXX  Experian XXXX XXXX  should not be reporting a collection/chargeoff in the amount of {$890.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. 

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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2020-12-30
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. (MA)

Good Evening and Happy New Year! I'm actually coming to this forum to draft a formal complaint against the 3 major credit bureus for failing to properly investigate these accounts that you see on the attachments. For the last 6-9 months, i've dedicated my time and money on drafting letters and send the letters through USPS. I find it really hard that XXXX ; transunion and XXXX  actually performed any investigation into these accounts. What was your actual method of investigation ; who did you talked to? Did you just used your electronic e-oscar system to verify the data? I called each of these account and they said that they never received any of the complaints or letters i sent to you guys, but yet i keep getting these genetic pre-printed templates saying that those accounts has been verified as accurate reporting - how so? 

Again, you continue to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance, and actual balance is questionable, who did the account go transferred to, the last time you reported, the last time i made payment, etc, etc. Therefore, it's impossible that you honestly performed a true investigation into these accounts, but instead, just ignored my entire request from the last 9+ months.

ALso, I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process - which i contacted them directly through mail. Im extremely upset and shocked about the way these charge-off accounts and negative items are reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified!
Consumer complaint received 2018-12-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a phone call from someone stating he was a process server trying to contact me due to a cuvil suit filed against me for an installment loan I had with Ace Check Cashing. I had made arrangements to finalize pymt and was never notified there was an issue with pymt. I then get internally transferred to someone named XXXX XXXX representing a XXXX XXXX XXXX XXXX claiming he was hired for this suit against me. I told him I was represented by a lawyer and he told me to give him info to contact him and I said I will have my lawyer call you. He said my debt amount was {$420.00} which is not what i owe and i let him know the amt was wrong. He said well i need to check because it could be extra fees. He said to contact Ace at corporate XXXX and follow the chain of title which will lead me back to him. His number is XXXX case XXXX.
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I contacted bank of america to dispute a {$2200.00} transaction on XXXX XXXX, 2020. I reiterated that I was not aware the party I was transferring money to was a scammer, and thus asked BOA to get my money back. It took BOA months to " finished '' a sloppy investigation during which BOA never once reached out to me asking for additional information or proofs.
Consumer complaint received 2023-02-15
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. (OR)

In accordance with the Fair Credit Reporting 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 can not furnish a account without my written instructions 15 U.S. C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (AL)

On Friday, XX/XX/XXXX, I lost all access to my accounts due to the PNC/BBVA merger XXXX They assured us access would be restored the following Tuesday, XX/XX/XXXX by XXXX. I have not been able to see one of my business accounts or my personal account since. I have spent over 10 hours on the phone and made two branch visits but the issue still isn't resolved. They are now telling me to wait 14 more days to see my accounts.