davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-19
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. (TX)

XXXX is reporting an inaccurate balance on my credit report and continues to report late payments. 
According to credit reports it shows The car was repossessed, mentioned it was resold, and Im addition it was indeed charged off. Yet XXXX is still continuing to report and state that I owe for late payments. I myself have not had any history with this account since XXXX and now it is XXXX and this company is still reporting I owe a higher balance, and themself are reporting erroneous information. 
I ask that This account be fully verified, every single payment amount and date received be confirmed, further proof of when and to whom the car was sold to and the amount the car was sold for.
Consumer complaint received 2021-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (TX)

Hello I contacted COMENITYCB/XXXX  Account number XXXX by mail in XXXX and XXXX regarding this account being placed on my credit file. I requested documentation from the company with my original signature showing I opened this account. I have no knowledge of this account. The creditor failed to respond to my request & failed to delete the negative item from my report. I advised that under Section 611 ( 5 ) ( A ) of the FCRA that the creditor is required to promptly DELETE all information which can not be verified. 
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) the creditor failed to comply with Federal Law. I am a litigious consumer and pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2017-03-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Amsher Collection Services, Inc. (TX)

I am a victim of identity theft and noticed a collection from AMSHER COLLECTION. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMSHER COLLECTION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (AZ)

I, XXXX XXXX XXXX, attempted to open a line of credit with a major credit company. I was told due to a mark on my credit report that I can not participate in such lines of credit. I checked my report through my bank, and saw a collection for the total of. XXXX $ on the date of XX/XX/2018. I never received a call, or a letter of verification or ability to dispute within 30 days. I was never informed of where this apparent debt was incurred, or how I could even potentially pay it off. 
This is a clear violation of the Federal Debt Collection Practices Act.
Consumer complaint received 2021-06-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding has failed to provide lawful validation of this alleged debt, they have failed to provide their method of verification of this alleged debt, they failed to update this account to have been under dispute in the past and are reporting inaccurate information associated with this account like open account on my consumer reports. Each of these are blatant violations of federal law actively being committed. I am engaging the CFPB to aid me in the enforcement of my protected rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I will be enforcing my rights to obtain remedy for all damages caused by this company. Pursuant 15 USC 1692k and 15 USC 1681o there is no limit on monetary relief I can relief for all proved damages.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MI)

LexisNexis continues to report incorrect names that do not belong to me. I previously provided proof of this. I will not provide any other notice besides this last one to remove every name but XXXX XXXX. If you do not this is your notice I will sue LexisNexis.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2021 I was alerted via email by American Express that my credit limit on my AMEX Hilton card had been reduced from {$25000.00} to {$8000.00} which was just above my balance. I was shocked to read the secure message from American Express stating that the adverse action was due to my FICO score being XXXX. I do not have anything negative on my credit reports. I immediately pulled my FICO scores from both XXXX  as well as XXXX. These are true FICO scores. My XXXX  fico score is XXXX. I have attached proof of this to this complaint. I contacted XXXX  and spoke with a supervisor and she also confirmed that there was nothing negative on my credit report. She also stated that XXXX  did not do a soft account review inquiry on XXXX XXXX which is the date American Express states they performed the review that resulted in the credit limit decrease. There is nothing to dispute with XXXX, as the report is 100 percent accurate, including personal information, social security number and address. 

I spoke with multiple reps at American Express and was told that if I paid {$1800.00}, they would restore my Hitlon Amex limit of {$25000.00}. I have no problem with this, however it does not address the issue of American Express stating my credit score is XXXX. 

On XX/XX/XXXX, I used my American Express XXXX XXXX card and immediately received an email from AMEX stating that they had reduced this card from {$35000.00} to {$1000.00}. Of course, the same letter was attached via secure message as with Hilton, referring to the severely inaccurate XXXX FICO score. 
I called a CSR and was told to submit my FICO score via fax and they would consider reinstating my credit limit. 

My concern goes way beyond just restoring my credit limits. I want to know why and how American Express got the false information that my credit score is so low when it is not. The only thing I can think of is that I am an additional cardholder ( authorized user ) on a family member 's AMEX card that has the same last name as mine. I have been an additional card holder for close to 20 years without an issue. This family member is in good standing with AMEX but does have credit issues. They have stated that on THEIR Amex account page, their FICO shows as XXXX. I do not believe this is a coincidence. 
It is my belief that their FICO score was updated to my individual American Express account during an account review of their account. It really is the only explanation. 

I have a job where I have to maintain a good credit score. I take clients to business meeting dinners and would be humiliated to have my credit card declined due to false credit information. I am also preparing to refinance my mortgage. I have been stressed beyond belief and appreciate your help with this. I would like to use my American Express card with confidence again.
Consumer complaint received 2021-06-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

I filed for bankruptcy in XXXX of XXXX. The company called everyday pretending to be a federal agency saying my bank account had be breached, my social security had been stole, I had a warrant out for my arrest, through out my bankruptcy processing. They continued to make impersonating claims of this manner. In XX/XX/XXXX the auto-dialer that made the same call every day with a different number had an dial number 1 to speak to a federal agent. I pushed one and someone on the other end responded XXXX XXXX. 
My mothers car recently got repossessed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX phone number ( XXXX ) XXXX She was in bankruptcy too and they would not let up through the bankruptcy and after. 
They are still calling me. I still use my car but they are calling everyday with a new number and the same auto-dialer. I have filed complaints with the Federal Bureau of Investigations, Internet Crime complaint center because i thought it was a phishing scheme but they will not let up even though I have an automatic stay. They are a creditor and can not contact me for the purposes of repossession or any restitution of the loan that was vacated by the bankruptcy filling. When I communicated with Toyota Motor Credit Corp they seemed to be in complete agreement with the way their employee did business. 
The latests call was XXXX at XXXX XXXX  XXXX XXXX XXXX using phone number XXXX. 
XXXX XXXX XXXX  at phone XXXX XXXX XXXX XXXX  at phone XXXX XXXX XXXX XXXX XXXX at phone XXXX. 
the list is endless every day for almost two years.
Consumer complaint received 2017-03-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I am submitting a new complaint regarding my old complain # XXXX. It seem that we are still having issues. BofA has reported mt to the credit bureau again.. I finally have a XXXX balance but some how owe XXXX which is what they reported again. Please review my last complaint and help me get this resolved.
Consumer complaint received 2021-06-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NH)

On XX/XX/2021 I submitted a request to withdraw my funds from my rollover IRA ( money saved while working in the US ) and close my account at Citibank Banking, I now live and work in the XXXX. I called a month later and was told the process should have taken 2 weeks, so the customer service representative escalated my request. I received no email, call or letter for another 2 months, and since my calls were being disconnect while being on hold every time I was trying to call, I gave up and wrote by post, highlighting my urgent need for these funds. 
On XX/XX/XXXX, I received a letter acting to resubmit one of the form, I did so the same day. I called on XX/XX/XXXX, and was told the form had been acknowledged as received on XX/XX/XXXX. I called 3 weeks later, as I had still not had the funds transfer. As no movement or information on file, the customer rep, escalated again. Each time I reconfirmed my phone and email address to help with communication, but I still did not receive information. On XX/XX/XXXX, I called again, spoke with a manager said this was in the hand of the tax group which I can contact directly, and he would not transfer. I clearly stated I was complaining and would escalated if not informed in a timely fashion. As of XX/XX/XXXX, I have : - Not received my funds - Not being asked for information - Not being informed of the status of my request or when I could expect my funds - Not been provided with a complaint number. 

As no longer have an current account with them, ATM or credit card, I can not use the online portal, and feel they are treating like garbage. When they wanted information from me for other purposes, funnily enough they remember to email me using their usual secure email, but to answer my questions they can't. 
Please help me. I'm just trying to get my money back I trusted them with and work very hard to put aside. After the 100s of millions of dollars they overpaid to a corporate client, I feel cheated for a few {$1000.00}.
Consumer complaint received 2016-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NE)

My loan is with Nelnet and XXXX owns the note. I make my payments to Nelnet. I have been paying the loans for over 20 years since graduating from college in XXXX. I did have a couple deferrals and struggled to make timely payments when our daughter was XXXX and the high medical expenses we incurred XXXX. Over the last 10 years have made consistent payments and nothing is going to principle but all interest. My original amount principle amount was {$39.00}, XXXX and my current balance is {$63000.00}. My current Nelnet statement shows : Total principle paid through XXXX/XXXX/XXXX ; {$26000.00}, total interest paid through XXXX/XXXX/XXXX ; {$25000.00}, Total amount paid through XXXX/XXXX/XXXX ; {$52000.00}. This does not add up and I continuously ask for assistance in researching my loan and why my statements continue to show " XXXX '' to principle and my entire payment of over {$600.00} goes to interest only. I am frustrated and want to make due on my student loans and feel I have with the amounts I have paid. I am being taking advantage by this unlawful practice. Can you please help me investigate so I can get some resolution on how this is possible or legal to do to any consumer?
Consumer complaint received 2023-02-06
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account # XXXXXX/XX/XXXXXXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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
Consumer complaint received 2021-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates (TX)

On XX/XX/XXXX I received an alert on my XXXX report that I had a new collection account I was very disturbed by this news and immediately opened up my credit report to see what was going on. I see a collection posted from a company called Prince Parker stating I owed a debt I have never heard or done any business with company. Furthermore on my report it stated I opened the account with them XX/XX/2021. So I was really confused this is the first time i hear about this company when they put the negative on my report and then for them to have I opened the account with them in XXXX this is inaccurate not validated information being reported to my credit. I didn't receive any letter in the mail stating I owe them anything or any written letter given me the opportunity to dispute a debt. This is unfair debt practice to place something on a persons credit without having one conversation with them or sending any notification by mail just placing a collection my account without verifying anything. I disputed the account and requested validation and today I received a payment coupon to make a payment. Not a welcome letter introducing themselves or explaining where they come from or any reference stating I have a right to dispute just a payment coupon saying please submit payment. Can you please look into this.
Consumer complaint received 2017-03-24
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BARCLAYS BANK DELAWARE (NY)

In continuing with # Case number : XXXX the second check in question, number XXXX was never received by me, and as I understand it, this check was fraudulently cashed. I never authorized or saw this check in question. 
Barclay Card Services must investigate this issue. Please contact me for any questions. 

I will be faxing the check with my letter of authorization within three business days, thank you, XXXX XXXX XXXX
Consumer complaint received 2017-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (MS)

The Judgements were paid on  XXXX   XXXX ,  XXXX  in the full amount of {$1600.00} through the Courts of  XXXX ,  MS . Th e Courts finally took the public records off of my account on  XXXX   XXXX ,  XXXX .  XXXX  and  XXXX  refuse to remove the collections off my account Case or ID #  XXXX  Case or ID #  XXXX
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have checked my credit report that the account from XXXX XXXX ( XXXX ) contains erroneous information. The account states that I made late payments on this account. this is incorrect! The lease that is the subject of this account is an automobile lease that ended on XX/XX/XXXX. All payments pursuant to the terms of the leaser agreement were timely made. 

There is an amount that XXXX XXXX is alleging that I owe that I'm not agreeing with. There was no agreement between XXXX XXXX and me to pay the amount alleged to be owed by XXXX XXXX on my credit reports. Pursuant to XXXX XXXX ' publicly posted information, the company is to send the " XXXX XXXX XXXX '' " up to XXXX days after your vehicle has been returned XXXX XXXX XXXX XXXX 

I turned in my leased vehicle to XXXX XXXX on XX/XX/XXXX. I received a call from XXXX XXXX approximately XX/XX/XXXX asking me to turn in the vehicle that I had turned in 4 month prior. It was not until XX/XX/XXXX that XXXX XXXX sent me a notice advising me of an amount owed for those months. XXXX XXXX clearly did not know where the vehicle was for XXXX months after I turned in the vehicle. 

I have repeatedly contacted XXXX XXXX but have been consistently told that they are unwilling to do anything. XXXX XXXX is listing the account as having late payments/Chargeoff thus negatively affecting my credit report. I have attached copy of the certified mail I have sent to all 3 credit bureaus.
Consumer complaint received 2021-06-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

This complaint is about the consumer reporting agencies ignoring my dispute letters and also violating my consumer protection laws under the United States Code Title 15 Chapter 41. They are reporting that I owe debt. Under the definitions listed under the fair debt collection practices act, the term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money property insurance or services which are the subject of the transaction are primarily for personal family or household purposes whether or not such obligation has been reduced or judgement. Debt does not mean money according to congress. 
I am the original creditor because I extended to credit to the corporation. Therefore I am the only one who can validate this alleged debt because only the NATURAL PERSON can validate the debt not the corporation because a corporation is a entity not a natural person. So like I said I DO NOT VALIDATE THIS DEBT. 
Due to the fact that they have ignored all of my letters and violated my consumer protection laws under the United States Code Title 15 Chapter 41 I DEMAND THAT THEY DELETE THE ACCOUNTS THAT I HAVE LISTED ON MY LETTER OR I WILL BE SEEKING REMEDY!!
Consumer complaint received 2017-05-16
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. (AZ)

I am a victim of transunions injury issue.   I have :  XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  These hard inquiries were already off my credit and now they are back on. Please fix this issue, thanks.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

BELOW ARE FOUR ACCOUNTS THAT ARE REPORTING AS LATE PAYMENTS. THESE ACCOUNTS ARE NOT REPORTING CORRECTLY. I HAVE NEVER PAID THESE ACCOUNTS LATE. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX