davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VYSTAR CREDIT UNION (NV)

Suddenly out of the blue I get an email from XXXX XXXX XXXX for a VyStar credit union in XXXX Florida which I have never even visited. They send me an email where I must take a link to find their reference number, but I don't take links on emails from what I consider Spam. I called them up to try to straighten it out but they want information like my social security number which I would not give them. Apparently they just send out emails to any XXXX XXXX they can find, they certainly did not think I would use a XXXX XXXX XXXX  when I live in XXXX XXXX and have for XXXX  years. Basically they are telling me they can not resolve it without me giving them confidential data, which I find absurd. I tried my best to help them on the phone for over and hour but they just kept insisting I give them confidential data.
Consumer complaint received 2024-05-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (IL)

XXXX XXXX XXXX XXXX  loan, {$2700.00} loan, half is given up front, the rest is financed and put in a savings and when loan is paid off you recieve the other half. The amount of {$1300.00} has not been transferred to me. XXXX transferred this loan to SST technology to service. Their customer service has continually lied to me. I paid loan in full on XX/XX/XXXX, they continue t0 not tell me where my money is. Allegedly its in an savings account thru XXXX XXXX XXXX, however they refuse to tell me the full account #, they customer service has put me on hold for hours, being tossed around, hung up on, told different excuses. Delay XXXX to XXXX holiday, delay because I paid loan off to soon, delay because they dont know why, delay because they are manually entering transfer. Ive been told so many lies. No one has been able to tell me when I will receive my money. Per the contract I should have received my money no later than XX/XX/2024. Ive called everyday, and its a different story. I was harassed by 2 customer service agents, one laughing about the situation.
Consumer complaint received 2023-08-03
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. (CA)

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.

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 2024-04-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Upstart Holdings, Inc. (TN)

Late XX/XX/2024, I received a call from my parents who live in California ( my mother has the exact same name as me ). They had a process server come to their home and leave a court summons from XXXX XXXX XXXX for me. 

I called XXXX on XX/XX/2024 and spoke to XXXX. I let XXXX know that I have not lived in California for over 5 years AND the loan did not originate in California. She told me that she would contact their attorney, XXXX XXXX and get back to me. I never received a call back or an email. 

On XX/XX/2024, I called again and spoke with an agent who told me that the only way to resolve the issue is to set up a payment plan. I asked for the court portion of this matter to be handled first, as I don't live in that state. He argued with me and I asked to speak to a supervisor. I was transferred to and left a voicemail. I called back again to see if I could get XXXX on the line. I was able to get in touch with her. She told me that their records show that an attorney spoke to me on XX/XX/XXXX. This did not happen. I pulled and attached cell phone company 's call record and I did not receive any calls on XX/XX/XXXX. I can provide a hard copy aside from the screenshot attached.
Consumer complaint received 2023-01-25
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. (GA)

I have been going back and forth with the credit reporting agencies since XX/XX/XXXX with last letter dated XX/XX/XXXX. I sent in a dispute to Equifax, XXXX, and XXXX. Equifax responded XX/XX/XXXX with a single page stating results are accurate an account has been verified and this is their only time responding. XXXX never responded at all. I request the means of validation not verification. There was no update to the outdated XXXX XXXXXXXX XXXX XXXX XXXX as a matter of fact it is debt that was sold to XXXX XXXX who reported the debt at the same time XXXX was still reporting a delinquency, so It appeared two different companies had me in collections when it was for the same account, therefore only one was supposed to be reporting once sold. I reached out to XXXX XXXX and they said they no longer service the account nor do they have any information besides the account is a charge off and out of their hands. Going back to the bureaus none of them would remove XXXX or show how the account was validated. Equifax went further and updated the dates on the account to XXXX dropping my score because it looks like this was a recent charge when in actuality it was from XXXX when the account was sold to XXXX XXXX  XXXX I paid XXXX XXXX  and they removed themselves immediately after payment but XXXX just has all the wrong information ( non-matching ) listed on Equifax, XXXX, and XXXX and it's causing me issues with bank underwriter 's thinking it was a recent charge off due to the dates on all bureau 's not matching but they refuse to remove the inaccurate reporting.
Consumer complaint received 2018-04-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (GA)

Northstar Location Services - Collector Thursday, XX/XX/XXXX - initial call XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I have received follow up calls every week day since, even though in the original call I told them I would call back myself when I had any new information for them. I am being harassed and want it to stop immediately.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity CB/Zales XXXX XX/XX/XXXX ComenityCB/Zales - XX/XX/XXXX ComenityCB/Zales- XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX 2022
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXXXXXX XXXX XXXX XXXX Cap one NA - XXXX XXXX Cap one NA - XXXX XXXX Capital one Auto Fin - XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 2022
Consumer complaint received 2022-12-22
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. (NC)

I am so bewildered about this situation. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. These accounts have NO NAME. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This matter has been creating an insane amount of emotional & physical distress. My attorney told me I should just sue for violations in FCRA laws, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my 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 creditor. I'd prefer to NOT get litigious. Please see this matter is handled. 
XXXX Date Opened XX/XX/2022 Balance : {$250.00}, XXXX Date Opened XX/XX/2022 Balance : {$150.00}, XXXX Date Opened XX/XX/2022 Balance : {$72.00}.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-08-03
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. (VA)

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.

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 2022-11-29
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. (OH)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more knowledge on. The incorrect and inaccurate information being reported is hurting me to exercise my credit rights.. I read something called the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am sure is inaccurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 
pursuant to federal and consumer law all items mentioned must be removed for the following reason : i the consumer exercise my right to privacy and under the ( FAIR CREDIT REPORTING ACT ) 15 usc 1681c it defines everything that is to be excluded from a credit report. further more i have never given consumer reporting agencies written permission to furnish a report on my behalf with they are required to have under ( FCRA 15 usc 1681b ( 2 ). Due to the nature of theses offenses i can and will hold all parties included accountable and seek litigation if my desired outcome of removal from all consumer reports aren't met pursuant to 15 usc 1692k. please delete information at once I am familiar with 15 U.S.C. Sec. 1681 ( a ) and it states if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? You have XXXX  days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXX ( original creditor : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately. 
Account Name : XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately Account Name : XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately. 
Account Name : XXXX XXXX XXXX XXXXXXXX ( original creditor : XXXX XXXX XXXX XXXX Account number : XXXX I also read where I am allowed the updated report after you complete your investigation. Could you please send it to me? Also, please let me know who had access to my file as well as date time and original contract with signature if your finding comes back to be correct. I want the investigation outcome to be sent to my address and not any other incorrect addresses listed on my report.
Consumer complaint received 2022-12-22
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 called XXXXEquifax after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00}
Consumer complaint received 2024-06-27
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. (VA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-06-22
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: U.S. BANCORP (CA)

XX/XX/year> - Deposit Made for order XXXX XX/XX/year> - Requested XXXX  change from lease to finance via text and voice call. Was instructed to go to the dealership to make the change XX/XX/year> - Went to the dealership to make the change. The sales person helped cancel the order at their location and told me to place a new order. New order number XXXX XX/XX/year> - Reached out regarding refund. No response. Called customer service number atXXXX. Automated message and tried to leave a voicemail but the mailbox was full. 
Ongoing - Tried several message and phone calls with no response from XXXX. 
XX/XX/year> - I reached out the credit card company for help and they provided a conditional refund for the disputed charges. 
XX/XX/year> - Received a letter from credit card company denying my disputed charge saying the deposit was non-refundable.
Consumer complaint received 2022-12-22
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. (LA)

I called TransUnionXXXX after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00}
Consumer complaint received 2024-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (TX)

This company called me regarding a debt that my relative owed. They were trying to get information on where this relative is located or if they are employed or if I had a phone number or if I could relay message to them. I tried to ask them who they were and why they were calling and they did not give me information of who they were and why they were calling. All they said was they are corporate office based out of XXXX and they are trying to get a hold of my relative for a personal matter. They did not indicate what business they were all they said was they are SRS. After investigating myself I found out that they are spire recovery solutions and they are out of XXXXXXXX XXXX XXXX
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (FL)

I have asked for all the creditors that has falsely reported information on credit file to validate debts by providing proof of these alleged items, specifically the original application, contract, wet signature, other instrument bearing my signature and payment history. This agency is in violation of U.S.C. 1692g. They were to notify me of this in writing 5 days prior, and I was not. As the original creditor, only i can validate this debt, I do not validate this debt. Therefore the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of such accounts and a free copy of my report after the changes have been made will result in other actions being taken again this company. I am distressed that these such actions by this company has not only hindered me but defamed my character.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2018-03-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (CA)

I just got a notice that a company under the name of DIVERSIFIED CONSULTANTS is trying to collect money from me. 

I have never received anything from them via mail nor have they even verified who they are or what this debt is about. THERE WAS NO VERIFICATION DONE and they illegally reported on my XXXX Report without the proper verification or even demonstrating the existence of whatever it is that they say I owe them ...
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (LA)

On yesterday my account started off in the negative, I deposited money via atm and an instant payment deposit to cover the balance. Regions posted and unposted several items in attempt to charge me an NSF fee. Upon reviewing my account I was charged and NSF fee when I had a positive balance on the account.