davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

In the end of XXXX, i was having some financial hardship due to the corona virus had been laid off from my job. I decided it was in my best interest to close my secured credit card account. I called them and canceled it. Was told the secured account would be applied to the account. At the time, my balance was {$290.00}. I had a {$300.00} security deposit in my savings that was on hold for the secured account. Usually gets applied within a week time frame. A month goes by, and noticed the security deposit is still in my savings account and has not yet been applied. I called them and was told it is in the process of getting closed out. Assured me that it will all balance out. Another month in a half goes by and heard nothing from them regarding this matter. I noticed the account dropped off my online profile. Called and was told it was now charged off and in collections!!! How can this be? The security deposit was suppose to be applied to my account by now. I would of had about {$9.00} coming back, instead, they put me in delinquency and had to pay them additional {$85.00} in fees, and reported me late twice on my credit report making me look delinquent! I am not the one in fault here, they are. They never once reached out to me and let me know what was going on with my account until months later while i was moving. This is unlawful! The security deposit would of covered the account balance! It does not take 60 days or more to close out an account and apply the security deposit to the account! I have had several XXXX XXXX XXXX  accounts, and has never taken this long to apply the security deposit! I have never been late till they made me late! Had a very good record with them! Never missed one payment! They did credit me back for 1 late fee, but it is not good enough. due to this, I now have my credit damaged because they did not properly credit my secured credit card account in a timely manner! I am planning to get an attorney involve that deals with creditors that involved wrong doings. I am also planning to leave a negative feedback online so i can share my experience of how terribly i was treated! For 7 years, I have to live with those 2 late payments on my credit report when i did everything right! This is a careless act, and will not be tolerated! They last my business after this! They are responsible for fixing this, and crediting me back for all the late fees. The stall tactics are unlawful in this case!
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX - XXXX Account number : XXXX Account name : XXXX - XXXX Account number : XXXX Account name : XXXX XXXX  Account number XXXX XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2023-09-06
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. (CA)

In accordance with the Fair Credit Reporting Act. The List of ITEMS below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, Transunion, and XXXX to reinvestigate these ITEMS : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX XXXX XXXX CA XXXX However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify what isnt reporting correctly.

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 ITEMS 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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

I told XXXX, XXXX, and Equifax to reinvestigate these ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX XXXX XXXX CA XXXX However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify what isnt reporting correctly.

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 ITEMS 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/2023 Creditor : XXXX XXXX XXXX XXXXXXXX. added a derogatory mark on my credit report per XXXX XXXX Upon, further research, this account was transferred/sold to a LVNV Funding LLC with the Resurgent Capital Services and I am no longer responsible for the account. Debt collection agent has threaten me to pay and without my knowledge of legal rights. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer on two accounts and I am requesting legal action on both accounts to remove these accounts immediately.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXXl, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2016-01-29
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Receivable Asset Management (TX)

Kramer & Associates has been contacted on two separate occasions and have told them that we do not know what debt the Collection Agency is referring. We even contacted the original creditor to try to understand what they are talking about. This Company refused to talk to me about the debt. I believe that is an attempt perpetrate a sham on our company.XXXX
Consumer complaint received 2023-09-06
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. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-09-06
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. (CT)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00}.
Consumer complaint received 2023-09-06
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: EQUIFAX, INC. (CT)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-09-06
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: EQUIFAX, INC. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2022-10-25
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. (TX)

On XX/XX/XXXX XXXX certified mailed a packet To dispute items that were fraudulent on my credit report to Trans Union, XXXX, and XXXX all these companies have failed to protect my consumer rights they did not thoroughly investigate, nor did they send any proof they continuously report fraudulent information on my personal credit report according to section 605B of the fair credit report, any consumer that identifies fraudulent information must have that information blocks from appearing on their personal credit report within four business days TRANSUION IS REPORTING FRAUDULENT OPEN ACCOUNT BELOW DREAMSPRING AND FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE REPORTING FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX And all Fraudulent inquiries XXXX is Reporting fraudulent accounts XXXX And open loans
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  ) XXXX Balance : {$4800.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/2023.
Consumer complaint received 2023-09-06
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. (CT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX BANK ) XXXX Balance : {$4800.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/2023.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

In XXXX I changed the date of payment with their authorization and they reported I was late. 
In XXXX during the pandemic, they offered me the COVID Relief program and stated that I don't need to worry about payment during this period. They also stated, they will report to the Credit bureau during this time. After the period I made the payment and after a few months paid my loan was completed and paid in full. 
A few months after I paid my loan in full, they reported to the credit bureau that I was late during the pandemic. 
I tried multiples time to talk to them. Also, I disputed this issue with the credit bureaus several times, but still the same result. They still reporting I was late. 
Credit Acceptance - account # XXXX
Consumer complaint received 2023-03-14
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. (GA)

I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. I have contacted the companies and the actions were initiated without any proof of the companies reporting. The inquiries are not factual since I never authorized them.
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NY)

XXXX XXXX XXXX sent my loan to MOHELA who is now charging me interest. I was in the process of loan forgiveness Based on public service. All my documents are gone that I uploaded to XXXX XXXX. I am unable to get in touch with anyone from Mohela. The whole process has been interrupted the deadline is the end of this month I have been making payments to be eligible for this forgiveness. Where are my rights as a borrower half of my loan is interest. The student loan Industry is just taking everybodys money and the government is letting it happen every day they compound interest and they make off like bandits. 
My loan started out with XXXX XXXX went to XXXX, XXXX  now Mohela. 

Now I have to submit new forms again and I dont have time for this this is extremely upsetting.
Consumer complaint received 2023-09-06
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (CA)

I had a problem with XXXX XXXX XXXXears back I was paying for a XXXX XXXX and a cell phone I paid the watch off. But I had started to have problems with the phone XXXX was paying XXXX $ and something a month and always paid on time. But my phone was doing weird things like downloading people 's emails into my contacts of people. And had my credit card hacked the phone would shut down and reboot. Itself all the time I couldn't hear on it and it would ring and ring but couldn't answer it so I couldn't even use the phone anymore. So, called to get a replacement. I had insurance. I paid monthly. for insurance i was told that I only had to pay {$5.00} for replacement when I brought the phone in, they said it was going to be.XXXX XXXX   i said no its {$5.00} for a replacement and she said because of a tiny little chip that you could barely see it .It was nothing I couldn't believe it.I told them to cancel my contract because I've been paying my bill every month and hadn't been able to use my phone for a little over a month. And I had still paid my bill that whole month I couldn't use the phone. And I wasn't going to pay {$50.00} for a replacement. I had paid way over {$50.00} in insurance So ; I went to another carrier. Cause I wasn't able to use that. Phone so they left my account open for over 4 months and let the bill get higher and higher till it was XXXX XXXX XXXXven though they were not receiving payments. Usually after 60 days of not paying a bill they will shut the service off but nope they left it build up for a little over four months and sent it to collection. this has been on my credit for a few years. But this is the second time they have resent it to collections saying it's a new collection as of XX/XX/2023 they have done this twice and it has impacted my credit. significantly twice i would appreciate it if they would stop putting it as a new collection once it was almost off my credit then they sent it to collection again saying its new as of this year. the collection agency is SOURSE RECOVERABLE MNGMA ACCOUNT # XXXX SAYING DATE OPENED XXXX WOULD LIKE THIS REMOVED THEY LET THE BILL CONTINUE TO GET HIGHER AND HIGHER AFTER I TOLD THEMI COULDNT USE THE PHONE AND ASKED THEM TO CANCEL MY CONTRACT I WOULD LIKE IT REMOVED PLEASE THANK YOU
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (NV)

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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 refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

A. On or about XX/XX/2023, I received an email from XXXX XXXX wherein she was attempting to collect the debt XXXX XXXX # : XXXX. I responded by requesting the items below to validate the debt. 1. A copy of the Original Purchase Agreement from the Original Creditor that shows that you legally own this debt to the Original Creditor. 2. Proof that you are a legal debt collector in California. 3. A copy of the Bond that shows that you are Legally Registered in My State. 4. Copies of ALL Statements from Open to Close of this Account. XXXX XXXX has failed to submit the required documentation to validate this debt. However, they have submitted to the major credit bureaus they have validated this debt. XXXX XXXX XXXX didn't notify me of this debt before placing it on my credit report. 
I have disputed this debt multiple times with the credit bureaus asking them to provide the documentation XXXX used to validate the debt.