davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
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. (SD)

I have made multiple disoutes and complaint there are things on my report that should not be on there, either not mine, is put on there without my consent, and the fact that charged off account has been paid and after closed charged off they attempt to still collect and never sent me XXXX like they are supposed to. None of the companies have. I have mentioned this before and yet they are still reporting to my credit report. There are collection accounts that I have dispute sent validation letters to months ago, and never recieved anything back yet they are still reportiing on my report those would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that is just some of them, I have disputed and asked for validation from nelnet over a year ago, i have received nothing yet they are reporting open accounts. I believe it ws month ago i disputed the addresses, well, to sum everything up, none of the reports match. I would like to invoke my right to remedy for this and receive that {$1000.00} per violation. This is severely messing up my credit. Also with XXXX XXXX XXXX i have been trying to talk with them, we have arbitration clause but apparently they can just ignore me after committing fraud and them close my loan account without saying anything to me. I have evidence of their and automaxx fraud, forgery, etc. But they can not legally do anything that they have done if they force me to stay out f court, because arbitration. THE WAY IT SEEMS is since they have the money that they can do what they want even though they never gave me a loan, I have asked several time for document s including the original promissary note they never produce it, wasn't asking them to send that to me just if went to court that it could be seen by a judge, i get ignore and they trying take truck. While committing the crimes they are. I am sick of when I file disput, it always comes back verified but how can it be verified if i don't know the company, never recieved any paperwork validation letters anything but they are verified. I feel that my right are extremely being violated and feel remedy and report being fixe s the route
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NC)

Charge for {$160.00} was discovered on my Comenity account. The account has not been used for over 1 year and no charges were authorized. The accounts have been closed and I have received the XXXX balance letters form the bank. However, it is still showing on my credit report. 

I contacted the company to let them know there was an issue. They informed me it was noted as fraud. Two weeks later, their billing department called to tell me I was late making a payment. I informed them, again, that it was fraud and the accounts had been closed, with a XXXX balance.
Consumer complaint received 2022-11-25
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. (TN)

The collection agency is blaming you and you are blaming them. I have not gotten any results with your actions. I will like for you to investigate this matter to the full extent. Read the documentation I have attached. I would like to be compensated XXXX per violation about this XXXX XXXX XXXX XXXX XXXX Date Opened, Date Reported, Date Last Active should be the same. 15 USC 1681 states, " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Yall both are participating in this allegation, and I want to have my attorney general involved if you don't honor the law. You understand that the lenders depend on you for accuracy according to the law being stated and by your errors, its undermining the public confidence such as banks and apartments. I can not move due to your carless errors. This account remains inaccurate after every dispute investigation which means in the investigation of e-oscar are not performing very well and are not lawful. You are supposed to contact neighbors and other sources to verify the debt. I am wanting to know when are yall going to own up to mistakes and pay me and delete the account. I have attached the collection agency statement about your actions and the credit reports before and after investigation.
Consumer complaint received 2023-10-02
Product: Credit reporting 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)

To whom this may concern, In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. Everything has to be 100 % accurate on my credit report. Experian and XXXX are reporting this account which should've been removed from credit report. This account is over 7 years old which is past the statue of limitations, this debt is considered time-barred. This is illegal and is grounds for removal immediately.
Consumer complaint received 2022-11-26
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3200.00}.
Consumer complaint received 2023-10-02
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: Credence Resource Management, LLC (FL)

I disputed on XX/XX/XXXX to XXXX, XXXX and XXXX. however it's been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ). before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2023-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

I have had XXXX for years, they randomly and recently canceled my account and charged me over {$2400.00}. When I called and asked for a contract they said I was not under a contract, they also could not explain to me after 3 hours of recorded calls why my account was canceled to begin with and that they had no idea why I was charged. They apologized and also said that they were going to send a check out to my home to correct the problem. I also received emails where they promised me a refund and apologized profusely for charging me and canceling my account. I spent over 3 hours on the phone with no resolution. No tech came to my home, in fact the local representative advised me she was speaking with management. That was two weeks ago, and today I receive a letter from a collection agency who now threatened to damage my credit. This is absolutely false, it is racking up interest charges on my credit card, as well as falsely damaging my credit.
Consumer complaint received 2023-10-02
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't want this on my report XXXX it hurts my credit history and it's not mine.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (NJ)

Well from my account with Cash App/Block inc located at ( Block Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ca XXXX ) i had Cash Outs transfers totaling {$760.00} they claim well actually they totalled {$780.00} that occurred on my account between XX/XX/2020 and XX/XX/XXXX, XXXX they were not authorized or anything by me I had not even noticed till my account was very short on funds for bills and took a very long look into why and noticed these transactions and they tell me that I authorized them when I don't even know anyone who lives in Michigan let alone going to tell me that I did it I am born and raised in New Jersey still live in jersey and been tryin to fight this for a while now I'm willing to go as far as filing charges and everything court and all like I live on ssi just became homeless recently like I don't understand how this gets closed cause they investigated this and says I did it like I showed papers and all that I had nothing to do with these transactions I'm disputing I'm like baffled with this all like where is justice and everything but I guess cause big Corp says it it has to be true God forbid small people open there mouth and voice injustice being done to them to where I end up losing {$760.00} like I'm supposed to just sit here and take it on the chin with a smile well I'm not going too I'm going to continue to fight for this wrong being done to me and voice it out to all who will hear me and help maybe I am so disappointed with this government and there non-helping ways to XXXX the little people over as long as the rich get richer maybe you would understand when it finally hits you like it did me
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

UNAUTHORIZE INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NC)

Upon discovery after viewing my consumer report I see an alleged account reporting onto my credit report. I am requesting president XXXX XXXX & LVNV Funding LLC to send me verification - ( sworn under oath -28 USC 1746 ) of the name & address of the original creditor pursuant to 15 USC 1692g ( b ). I am also demanding that LVNV Funding LLC cease all forms of communication through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c ). Failure to comply with any provision listed will result in legal action pursuant to 15 USC 1692k.
Consumer complaint received 2023-10-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: VW Credit, Inc (SC)

I contacted them and told them i was on XXXX  orders and wasnt in the States. I had no ways of communication with anyone. I was on Orders for the United States XXXX. I have Orders. I am XXXX XXXX XXXX Thanks
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (CA)

Received a text from XXXX This is a Mercantile Adjustment Bureau , LLC, an professional debt collector. 
Please contact us regarding XXXX ref # XXXX at XXXX or visit our website : XXXX XXXX XXXX  to access your account information or make payments. 

This is a scam
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-02
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. (NJ)

This information is not mine, it does not belong to me and I do not want it in my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

My student loan was forgiven in XXXX. It was not updated to Experian. After a few phone calls I filed a dispute. Experian blames XXXX. XXXX blames Experian. The dispute was finalized as incorrect. ( Still showing a balance of a little over {$300000.00} ) I created a new dispute which Experian simply combined with the previous dispute and declined it as well. Even though the information they used was from XXXX. 
The information was again reported by XXXX  on XXXX. I spoke with someone today who again said it's not their problem and for me to call XXXX. I waited on hold for XXXX hours to speak with someone at XXXX. They confirmed that this information was reported to Experian on XXXX even though Experian says it was not. 

The people who answer the phone for Experian are rude and very condescending.
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Southwest Recovery Services, Inc. (TN)

I have disputed this alleged debt with southwest recovery services. I have no recollection of this alleged debt. I have recently received another email from them attempting to collect. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. 
These items include : XXXX. The original contract with the original creditor with my picture and my signature XXXX. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me. 
XXXX. Any and all payment history regarding this alleged debt
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WA)

Followed instructions to submit documentation to change my IDR plan. They say they haven't received it. I've been on hold for XXXX hours to fix this and they won't pick up the phone. This is a XXXX loan servicer, and they're incapable of servicing federal loans.
Consumer complaint received 2023-10-02
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act conversion Account numbers has violated my rights.

Per 15 USC 1681 SECTION 602 A, it states that I as a consumer have the right to privacy when it comes to my credit report. These Account numbers are violating my rights to privacy.

Per USC 1681 SECTION 604 A section 2, also states that I have the right to not have my information published with my consent or my written instructions, and I as a consumer have not given any credit report that right to published my information by oral or written consent.
Consumer complaint received 2023-06-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TMX Finance LLC (TX)

Title Max on XXXX XXXX XXXX XXXX, Issued a title loan to me, a consumer. When I reviewed the loan terms and ran a credit check. Title Max offered me XXXXXXXX XXXX on a XXXX  credit score accepting loan terms of 17 % interest. After my amount would be leaked on the dark web by Titlemax. Paying my title loan TitleMax employee mentioned if I gave XXXX XXXX on my first payment. '' My interest would drop dramatically. '' Looking into the terms of the contract that stated I would pay 198 % APR on my title loan of XXXX XXXX
Consumer complaint received 2018-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TN)

I have been disputing XXXX XXXX XXXX aka XXXX XXXX XXXX sinceXX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX of this year. I utilized XXXX and seen that I initially had ( 1 ) collection item listed from this company. I immediately took action disputing the validity of this account, asking for verification, and proof that they attempted to contact me prior. The company never provided any documentation and then proceeded to send me threatening letters stating that they would seek legal action. I received another correspondence stating that I personally spoke with them on the phone and spoke with their legal dept, I asked for proof of those conversations and I never received it. Prior to me disputing this account, I have never had any contact with XXXX XXXX and XXXX XXXX has never reached out to me. Most recently, I check my credit again and XXXX XXXX still has this debt on all 3 of my credit reports. I am beyond outraged that this company continues to violate my consumer rights and also damage my credit. I do not owe any debts to Midland or any outside vendors that they may have. To add insult to injury, They allege that they sent me letters, I never received any documents or notification for validation for that alleged account. XXXX XXXX has been the topic and center point for numerous class action lawsuits and settlements due to their illegal practices. This company is attempting to swindle monies from me and I will not actively participate in their activities. Every time that I dispute an account that is not mine, Midland begins to send me stressful threatening letters demanding payment or I will suffer legal action. Midland also present these letters in a manner as if they have been communicating with me on a regular basis. This is not the case and completely false representation on Midland 's part.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

Over the last few months Experian has been upgrading my account from free as I previously set it. However, during that time there have been multiple billing attempts from Experian for an upgraded account. At one point I opened a live chat session and advised the rep that I should not have been billed. At that time I thought the issue was over but a day or so later I tried to login to my account to look at my report, but I could not due to a " billing issue ''. I then called in and went thru the entire explanation process and was told the issue was resolved. Unfortunately, it has happened again as I am currently being billed and I can not afford for them to take money that I need in order to pay my power bill to get thru these hot Florida summers. This is really affecting my family as well. I have been afraid to have any funds sent to the account because I am afraid that Experian will take it and cause my bills to be late. I am beginning to think that this is Experian 's way of bullying me due to my relentless efforts to hold them to accountable to remove unreported/inaccurate information from my report. 

As of XX/XX/2023 Experian has continued to attempt to bill me making me unable to bank normally out of fear that Experian will take my money. This has cause me hardship.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (SC)

I had XXXX transactions were the funds was deposited into an account that I am not accolated with. I have summited XXXX claim and was denied a refund. Since I don't have and I am not linked to the account the money was deposited the bank will not refund the money as well. 
In XXXX XXXX my Cash App. was compromised/hacked and I had to get a new card. I did not realize at that time they added a debt card to my account to to have monies deposited in. 
On XXXX XXXX XXXX XXXX XXXX a deposit of {$56.00} was deposited to this fraudulent account and on XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$100.00}. 

The fraudulent account is with XXXX XXXX and I don't or have I ever had an account with them. 

I was denied my refund twice, stating I authorized this transactions and I did not. 


Thank you