davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Credit Management Inc/ XXXX XXXX XXXX /started lawsuit without prior notification- despite denial of debt existence. XXXX purchases writed off credit card debt for XXXX cents on dollar and on basis of shody evidence initiated lawsuit. 
Theirs business model is utilization of taxpayed courts to obtain default judgement, followed by utilization of sheriff office to satisfy default judgement. 
Contract have arbitration clause and should not be subject to court. 
Starting lawsuit cost Midland credit management $ XXXX {$200.00} Arbitration cost is {$5000.00} paid by junk debt buyer
Consumer complaint received 2023-05-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Constar Financial Services, LLC (LA)

Constar Financial Services Received letter from collection agency to collect a dept that was charged off. I am currently in dispute for Breach of Contract with the Lender in the United States District Court Eastern District of Louisiana and as of date the dispute is still open.
Consumer complaint received 2023-05-28
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: Westlake Services, LLC (LA)

I recently sent a Recession of signature to company who responded with a repossession and sale of property my purchase price was {$16000.00} after repossession car sold for {$17000.00} now that West Lake has been paid well over the purchase price I am requesting written confirmation that this will be removed from my credit report.
Consumer complaint received 2023-05-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HFS Financial LLC (SC)

*** THIS IS NOT A DUPLICATE CLAIM*** hfs financial is a company that shops home improvement/pool loans for you with banks and credit unions.I have two previous loans through them which are almost paid off with no late payments. i applied for a loan at the end of the year and got approved with XXXX XXXX XXXX XXXX XXXX XXXX. the loan was approved and then denied due to hfs stating they could not properly identify me. i was told to wait 45 days and reapply. six months later they are refusing to let me re-apply. i later found out the reason they couldn't identify me was because i had a security freeze on my credit file and it was blocking new credit attempts. i have since cleared that up and notified hfs that my file was open. They are still refusing to shop a loan for me with no explanation 's feel i am being discriminated against. i was also told that they do not deal with customers who have filed a complaint against them, because i filed a complaint when they stated they could not identify me. the same thing happened to someone that i referred to them and when they could not identify him the first time they allowed him to reapply ( XXXX XXXX of new york ), i have also referred multiple people to them through my business for loans and they have worked with everyone and been very lenient. they have been rude and nasty to me and all im trying to do is get help obtaining another home improvement loan. they offer the lowest rates and i can not understand why they are refusing to work with me. i have lifted the security freeze and should be treated like everyone else that i have referred to them. is it because i am a person of XXXX? im not sure because everyone else that i have referred was not a person of XXXX so im very confused and feel disrespected. i was told to reapply in 45 days and now they are saying i was never told that. i was told that by a supervisor and the website.i was also told that i would be reset in the system.
Consumer complaint received 2022-11-23
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: DISCOVER BANK (MD)

I was informed by a Consumer Rights Attorney to dispute this account before we file a legal complaint. Discover and XXXX  XXXX ( XXXX XXXX XXXX  ) is under SO MUCH VIOLATIONS when it comes to my credit report. First, I gave no written consent to them to report anything to my credit report. Second, There are INACCURATE information on my credit report so there is no way this is reporting to the maximum possible accuracy, therefore this account needs to be removed because it is in violation of 15 U.S. Code 1681b a2, 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1681e ( b ). Also paid charge off accounts shouldn't even be reporting to my credit report due to your own reporting standards on the XXXX XXXX  software. If this account is not removed, when this is taken to court I will make sure I receive my {$1000.00} per violation.
Consumer complaint received 2023-05-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Crow Creek Sioux Tribe (GA)

Months ago I was searching how to get a loan ran across Rivervalley I filled out application mymistake I did not look at feed back I believe if I got the loan they would send a message and loan amount the loan was for about a XXXX never received loan information money removed from my acount later receive contract I call them Friday requesting a statement I have a law group helping me pay off credit cards. I looked at the app there was a contract with a direct acount number not understand I opend it up there I saw my name as I agreed to a loan. No agreement ever they are planning to take from me again I have not received money from them I did put a stop pay on the first lone never approved by me Monday I will close my checking acount I did not put my name on anything they did when I gave information. I revived a email approved a second loan what can I do I did send a email back cancel I did not ask or approvel this or the other lone Help they are stealing from me. With two loans
Consumer complaint received 2022-11-30
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. (CA)

Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. I've been asking for remedy about this matter but I guess Transunion is oblivious for they have again neglected my concern. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please remove the accounts below : XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-04-12
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. (NC)

In accordance with the Fair Credit Reporting Act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Inquiries : 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2023-05-28
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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (MD)

I have not supplied proof under the doctrine under estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 2023-06-17
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. (DE)

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any items in my credit file that resulted from alleged identity theft. The following items are listed below : XXXX XXXX Balance : {$2500.00}, XXXX ' BA XX/XX/2023
Consumer complaint received 2023-04-12
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. (AL)

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, 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 2023-05-28
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. (FL)

Here is proof that Equifax is lying to me and the CFPB. I have been sending letters and complaints about fraudulent inquiries on my Equifax credit report and Equifax is responding here and also in letters saying that those fraudulent inquiries are been deleted it. I also sent them an identity theft report and nothing. Here I'm including a letter they send me and also a complaint they responded to say that the inquiries have been deleted, I'm also including a credit report from today 's date XX/XX/2023 from their own website that shows that all those inquiries are not been deleted like they say and still on my credit.
Consumer complaint received 2021-01-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (CA)

I did not receive written notification or verification that I owe this debt. It is my belief that I am not responsible for this debt and this collector has used harassing tactics to try and collect this debt that is invalid, incorrect, and unverified. I have never been associated with this company and demand that they refrain from further contacting me and DELETE this item from my credit report. They have violated the Fair Credit Reporting Act.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my XXXX XXXX. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-11-23
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. (LA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} ; XXXX XXXXXXXX Balance : {$820.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (GA)

there is a company by the name of lvnv funding stating i owe then for account that i never had that was XXXX XXXX amount XXXX lvnv funding XXXX XX/XX/XXXX another account that is fraud XXXX XXXX XX/XX/XXXX amount is XXXX and XXXX adjustment XX/XX/XXXX amount XXXX
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo continues to claim the credit card charges made with XXXX and XXXX XXXX  are valid. They are asking me to provide my personal medical records to show I can not drive. I will submit those only on this website and expect that they will be kept highly confidential
Consumer complaint received 2023-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (FL)

PayPal permanently restricted my account and has been holding my funds for over 2 years after saying to me over the phone 2 years ago that my funds will be held for 180 days & that I would receive an email on instructions on how to remove my funds its been 2 years going onto 3 soon & PayPal agents still cant help me out. Still no emails or further information?? 
Its XXXX dollars they are holding
Consumer complaint received 2023-02-02
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: National Credit Adjusters, LLC (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  Account # 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 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (CA)

I have voluntarily surrendered this vehicle to Mercedes Benz Finance back in 2017, Account was closed after that and remaining balance was written off Nevertheless, erroneously Mercedes Benz Finance shows that vehicle was repossessed, that information is WRONG and needs to be rectified. 'Car was dropped off voluntarily by me at Mercedes Benz of XXXX XXXX XXXX in 2017.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AR)

I TRIED TO GET AN UPDATED CREDIT REPORT FROM COMPANY WITH THE NEW SCORES, THEY ARE SENDING OUT FAKE SCORES TO PEOPLE AND THEY HAVE FAILED TO UPDATE CREDIT REPORT XX/XX/2022 ACCORDING TO THEIR WEBSITE.
Consumer complaint received 2022-11-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

Account was closed on XXXX reached out to Chime regarding my remaining balance.I did receive 1check from them but I have not yet received another check that they claim they mailed out on XXXX and to give it 30 days and nothing.I 'm so tired of this XXXX company which I've been dealing with since like XXXXI need my money because of the fact that I'm purchasing a home and they are delaying the process
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NJ)

Auto loan from Chase was paid in full after trading the vehicle in. Chase received the payoff amount on XX/XX/2023. The credit report from XXXX still shows account as open, as of XX/XX/XXXX. I filed a dispute with XXXX on or around XX/XX/XXXX. They verified with the lender who said the account is still open and not paid in full.
Consumer complaint received 2023-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, my name is XXXX XXXX XXXX, I am filing this complaint against Capital due to these reasons : In XXXX, I applied for a Walmart card and was given my Walmart card by XXXX XXXX XXXX. As soon as I received it, I set up auto-pay with XXXX XXXX In XXXX, the card was transferred to Capital One Bank without my knowledge. I wasn't even using the card at that time and never activated a new card with Capital One. 

Now, in XXXX, I went to the Walmart store and used my Walmart app to make a purchase. I was under the impression that I was paying with my XXXX account and that the auto-pay I had set up was still active. Months later, I saw late payments being reported by Capital One. When I reached out, they said I had a new card and that there was no auto-pay. 

I feel this is really unfair since I never activated a Capital One card, let alone used it. Also, I am a frontline worker and was traveling during XXXX to service IT accounts of hospitals. 

I want to clarify that I am a person who has always paid on time, I even have two accounts with Capital One Bank National. One opened in XXXX and the other in XXXX. In both I have an exceptional payment history, I have never been late, I am a responsible person and I have tried to build a good credit record. This situation affects what for many years sacrifices I have tried to build with my payments on time. 

Please see attached proof that I was on autopay with XXXX XXXX 

Thank you!
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (VA)

Old creditor remarks late payment in 2020 then transfered to new creditor after being dissolved. New creditor payment history 100 % on time. Dispute with credit bureau unresolved as new creditor XXXX advised me to file a complaint/dispute because they can not remove remark from old dissolved servicer.