davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (NY)

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. Please delete the accounts : XXXX - CARD SERVICE XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} XXXX - CARD SERVICE XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$23000.00}
Consumer complaint received 2023-10-05
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thaxton Investment Corporation (IN)

I took a major pay cut from my job and had to switch jobs, I can't afford to pay any of my bills and I stopped paying. They continue to call me and all my references asking me to pay and threatening to sue me. They call me at least six times a day from different numbers. My block list is long. I'm tired of vetting calls for real ones.
Consumer complaint received 2023-10-05
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: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (KY)

I called the student loan company ( NelNet ) XX/XX/23 to get information about repayment for my moms account, thats on my behalf, and was on hold for over 2 hours to talk to someone. I was able to get a little information and we done the steps they told us to. While I was on the phone for over 2 hours waiting, I also sent an email. I didnt get a response back until XX/XX/23. Now that repayment is coming up ( XX/XX/23 ), and I attempted to reach them XX/XX/23 because the repayment plan has not been fixed and its coming up due for payment on that. But I was hung up on numerous times, stating their office was closed. I was attempting to call at XXXX and their office didnt close until XXXX ( this was also stated by the automated message that kept playing while I was on the phone. ) So long story short, I cant even get ahold of my servicer to try to fix the repayment plan and try to get information on how to get that fixed with little time between now and the repayment date.
Consumer complaint received 2023-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service (NV)

I am not liable for a debt with CC COLL SVC account # XXXX and do not have a contract with XXXX. They did not provide me with the orginial contract that has my signature agreeing to pay them like I previously asked. 

Account : CC COLL SVC Account # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I previously contacted CC COLL SVC and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application stating that I agree to pay them CC COLL SVC bearing my signature and they have not been able to provide such proof to me. I have not agreed to pay this collection company. 
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

As a result of your conduct described above, you shall promptly DELETE the information disputed. Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( XXXX ) DELETE the account in dispute, ( XXXX ) send a updated copy of my consumer file, ( XXXX ) send me the {$1000.00} check to my mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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. (NJ)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
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. (NY)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-18
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. (AL)

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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX  Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX  Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated
Consumer complaint received 2018-05-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Riverwalk Financial Corporation (GA)

XXXX XXXX XXXX XXXX XXXX. is reporting an account which they claim I owe {$7100.00}. The rst attempt to resolve this matter was received via certied mail USPS ( XXXXXXXX ) on XX/XX/XXXX. I request validation, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. XXXX XXXX XXXX XXXX XXXX. responded with an itemized document, printout of original contract. As per FTC opinion letter from Attorney XXXX XXXX XXXX a printout of a bill or itemized document does not constitute verication. Not only was validation not provided, the documents contained a copy of a XXXX Drivers License. This is beyond alarming especially being I never resided in the State of XXXX, which you can veried based on my address history on all three credit reports.

A second attempt was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. Again, XXXX XXXX XXXX XXXX XXXX. responded with an itemized document this time containing my former State of XXXX  driver license.

Due to nature of this inaccuracy, and the detrimental effect to my ability to grow my XXXX XXXX XXXX, I have led a Small Claim Law Suit in the State of Georgia on XX/XX/XXXX in the amount of {$3000.00}. XXXX XXXX XXXX XXXX XXXX. should expect a 2nd Original serviced to their Registered Agent, XXXX XXXX XXXX XXXX, in XXXX County within the next seven business days.

Laws included in Suit : 1 ) FCRA Section 623 2 ) FCRA Section 605 ( c ) 3 ) FDCPA Section 809 ( b ) FTC opinion Letter Cass From XXXX  If XXXX XXXX XXXX XXXX XXXX fails to come to an amicable resolution or attempts to have a schedule court appearance moved, XXXX XXXX XXXX XXXX XXXX   must be advised of other potential laws broken : 4 ) Metro 2 Compliance 5 ) FCRA Part ( A ) ( 5 ) ( B ) ( ii )
Consumer complaint received 2024-06-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (GA)

**To : Consumer Financial Protection Bureau ( CFPB ) ** **Subject : Lack of Response from Credit Bureaus Regarding Dispute** Dear CFPB, I am writing to formally bring to your attention an issue regarding the lack of response from credit bureaus following a dispute I initiated. On XX/XX/year> I submitted a dispute to [ credit bureau names ] concerning inaccuracies in my credit report. Despite providing all required documentation and following the necessary procedures, I have yet to receive any acknowledgment or resolution from the bureaus. 

The absence of a response has caused significant inconvenience and distress, as the inaccuracies in my credit report continue to impact my financial standing and creditworthiness. I kindly request the CFPB 's intervention to ensure that my dispute is addressed promptly and fairly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Consumer complaint received 2023-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Lac Courte Oreilles Financial Services II (NC)

In XXXX of 2023 I applied for a new loan at Eloanwarehouse, only getting XXXX and had about {$190.00} to pay off so they combined the loan. The payment is {$240.00} for 6 months. However I got to pay the Federal close to XXXX and State {$1000.00} I couldn't pay XXXX but paid on time and well the last 2 months, and they said they would attached the payment at the end of XXXX. I looked at the payment it's {$520.00} Heck I only borrowed {$490.00} and paid {$490.00} back and this additional {$520.00}. XXXX and they got 3 more payments. I can't pay a car payment to these people this is against Federal Law in NC to even charge those outrageous fees.
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2024 - called Chase bank to discuss a mistake they made in determining the outcome of a customer credit card charge dispute. The customer signed up for our monthly music lesson service, used the service, and we provided documented proof of the usage from our servers. Chase denied the claim saying that we did not provide proof of usage. It's a clear mistake. Maybe Chase 's representative just missed the file showing the usage. We contacted customer service and every representative stated, very clearly reading off a template, that " you must call the customer and have them call us to cancel the dispute ''. This doesn't make any sense. We're telling Chase the customer is committing fraud and they're asking us to contact the customer? 

Chase not only completed the chargeback, but took an equal amount in additional chargeback fees. They are profiting off fraud and literally stealing from small businesses who can not fight back legally. 

We have complete documentation of everything, but nowhere to go.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I have paid off my car loan with XXXX XXXX XXXX and they are still reporting a balance to XXXX, XXXX and Experian. I need this loan to report XXXX on my credit report as soon as possible.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have paid off my car loan with XXXX XXXX XXXX and they are still reporting a balance to XXXX, Equifax and XXXX. I need this loan to report XXXX on my credit report as soon as possible.
Consumer complaint received 2024-07-02
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MA)

In XXXX of XXXX I received notification that I owed property tax from a vehicle that i turned in in XXXX of XXXX. At that time I looked at my account and it said it was clear. I then contacted GM Financial to make sure this was a legitimate claim. I then sent a check for {$100.00} that was cashed on XX/XX/XXXX. I also filed an abatement for the vehicle which GM received {$120.00} so a total of XXXX which is more than the {$180.00} they were looking for. This has affected my credit scores and I have tried to go through the process with them and it is still being reported incorrectly. I did reach out to them and they said they would not do anything.
Consumer complaint received 2023-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc. (TX)

The debt was in the amount of {$870.00} from an incident that occurred in XXXX. I thought I had paid it then, but the company is stating it was not. However, I have not received any phone calls, letters, or messages that this debt was owed until it hit collections on XX/XX/XXXX and negatively impacted my credit score. Five years later is a huge gap in time and they should have reached out to me before it affected my credit report and score.
Consumer complaint received 2023-06-23
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. (CA)

TransUnion, XXXX, and XXXX have repeatedly and continuously violate my federally protected rights under the Trafficking Victims Protection Act of XXXX ( " TVPA '' ) which was mostly recently reauthorized on or about XXXX. Additionally the CFPB released rules for credit reporting agencies to follow in regard to this law in their ( CFPBs ) Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ). 
I submitted 4 documents to XXXX, XXXX, and TransUnion in accordance with the TVPA and in excess of what was required under TVPA and Regulation V. Those documents were a non-governmental organization letter attesting to my status as a victim of human trafficking, a copy of my passport, a copy of a recent utility bill, and a copy of the self-attestation letter, the template for which was provided by the CFPB. These documents were uploaded to the e-Oscar system on all three ( XXXX ) of the credit agencies ' specific websites. The documents were also mailed via certified mail to TransUnion, XXXX, and XXXX. This was done repeatedly beginning XX/XX/XXXX to XX/XX/XXXX of XXXX. To date, XXXX, TransUnion, and XXXX have not removed the items within four ( 4 ) business days as required by the federal law, TVPA. 

XXXX, TransUnion, and XXXX continue to cause me further emotional, mental, and financial damage by refusing to comply with the federal, violate my federally protected rights, and further inflict egregious damage on me by continuing to participate in my victimization under TVPA by continuing to profit from my personal information while I am under duress and suffering as victim. 

XXXX, TransUnion, and XXXX have stepped and operate unscrupulously outside of their positions as self proclaimed credit reporting agencies while engaging in profiteering at the expense of my status as a victim. THIS IS MY THIRD COMPLAINT REGARDING THE SAME ISSUE.
Consumer complaint received 2023-10-05
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. (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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.