davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
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. (SC)

This is my 13th 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 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 Balance : {$18000.00} 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 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX Ive disputed this account twice. XXXX XXXX  as well for XXXX Also XXXX and associates XXXX different accounts XXXX for XXXX, XXXX XXXX
Consumer complaint received 2023-02-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP (TX)

I help my son buy a car, it was repossessed because he did not pay, now they are asking me to pay what he did not pay. I already called n tell them I can pay {$10.00}. Per month. Im XXXX n I dont work. It was already more than 7 years ago!
Consumer complaint received 2023-03-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Accredited Collection Service, Inc. (NE)

I spoke to this collections agency today XX/XX/XXXX trying to settle the debt that was turned over by XXXX XXXX. This debt was started in XXXX. 

This company has outright violated the The Fair Debt Collection Practices Act. XXXX threatened to sue me, stated my property and all assets would be taken or obtained if I didn't pay it in full today, because the courts would rule in their favor. She then would put me on hold and say that she could accept a lower amount but I only had until XXXX TODAY to give my banking information. She further harassed me to provide credit card information or she would turn my account over to the attorney to sue me if I didn't give her the information by XXXX. This debt is almost 3 years old! Why not just accept the {$720.00} that I was willing to pay, when that is ALL I can pay??? Why in the world are you KNOWINLY violating my rights??? 

My husbands truck was broken into and we had to fix multiple issues due to the break in. Everyone is falling on hard times and I was trying to do the right thing by calling and setting up a plan with this company. We have absolutely no savings and this company is causing me and my family deep mental and emotional anguish! Furthermore, after my phone call with this company, I am now experiencing XXXX XXXX and demand that they remove this debt immediately. Failure to do, will result in my filing a suit for direct violation of the The Fair Debt Collection Practices Act.
Consumer complaint received 2024-03-13
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. (MI)

Transunion, XXXX, XXXX continue to report an allege bankruptcy that they do not have permission to report on my credit file. The credit bureaus sell information for profits to other third party companies but I hold legal and equitable title to my name and all rights to my personal information. The bankruptcy courts do not verify this information and the credit bureaus gather information from various other businesses to produce these consumer reports however I do not give any credit bureau consent to gather any such information on me and release it. This is putting me at risk of my information being hacked and sold on the black market. Each credit bureau has already been involved in multiple data breaches and can not be trusted with my private information.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I purchased a belt from Kohls in XXXX and was told that if I signed up for a Kohls card I would receive a discount on the product. When I signed up I scanned my debit card multiple times and was under the impression that I paid for the product with my own money. I was never alerted that I had paid with the Kohls card until a late balance was due. I never received the card and had no way to log in and pay it off regardless.
Consumer complaint received 2024-03-13
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. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AL)

My wife and I had Wells Fargo 's checking accounts and constantly got charged overdraft fees even when money would be in there. If we had automatic payments set up, they would wait to deposit any money after payment was set to come out, even though we would put money in well before due date.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

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 XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I received email communication in XXXX of 2021 that XXXX, the financial rent assistance program through XXXX XXXX would pay my apartment complex XXXX XXXX ( XXXX XXXX XXXX ) {$5300.00} in rent assistance. XXXX XXXX still maintains that the funds were never issued to them, and its almost two years since this incident occurred. I was issued an eviction notice at the time and this debt has since been put my on my credit and has adversely affected by this.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (VA)

I made a XXXX payment on my apple card who is managed through Goldman Sachs. They put a hold on the payment for 1/3 of a month ( 10 days ). When I noticed autopays declining I called and their Tier1 could not release the hold. The supervisor XXXX who called me from Customer advocacy said she could not either and refused further assistance claiming no one would help me. I asked for her manager/ next level leadership and she declined any identifying info for accountability or to pass me to her boss.
Consumer complaint received 2017-11-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MI)

XXXX XXXX XXXX keeps calling me at work. They would call both my personal phone after XXXX, and work every two hours. The person 's name is XXXX. His accent is foreign. I do not trust paying off my debt with this company. I spoke with XXXX. told him not to contact me at work. I told XXXX that I will do {$25.00} bi weekly as the letter states. XXXX stated that there is a {$55.00} Lawyer charge. The letter did not state a lawyer charge, so I am refusing to pay that.
Consumer complaint received 2023-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

This problem consists of multiple issues. Venmo uses an inconsistent format for its amounts, displaying decimal point and cents in the lower right corner of the payment screen, but not in the payment entry area. Please keep in mind that this is usually accessed on a small screen that can be hard to read, especially for older, far-sighted individuals on-the-go who might not have their glasses available, thus making it easy to see that there is dollars and cents in the lower right, so it must be dollars and cents they are entering ; thus, if you enter XXXX, and see just XXXX on the screen with no XXXX following and no period, one would think that perhaps you just can't see the period as a tiny dot on a small phone screen when in reality, the XXXX means {$920.00} when properly formatted. Furthermore, Venmo has no features to allow and encourage customers to set alerts for XXXX amounts. Instead, they will send such a payment through with no way to edit it later, even if caught quickly. 

This was the case for me with a transaction I made on Sunday, XX/XX/2023 around XXXX when I intended to pay a local self-serve farm stand {$9.00} through Venmo. The farmer contacted me early the next morning to let me know there was a mistake and the transaction had gone through for {$920.00}, but he saw no way to edit it and asked if I could cancel it from my end. He said he was worried about the {$20.00} fee from Venmo for such a large amount. When I looked into editing or canceling the transaction, the Venmo site said that he would have to pay me {$920.00} back, so they would then be collecting not {$20.00}, but {$40.00} on this mistake, plus whatever their take would be for the {$9.00} it should've been. I found this to be a ridiculous price to pay to correct a mistake that was due to their poor, inconsistent interface and lack of standard features that other companies offer, so I called them. They refused to assist on the phone. I spoke to XXXX XXXX case # XXXX ). I threatened to close my account. They said fine, close it, so I did. They then froze the farmer 's account for days when he tried to call to correct it from his end, effectively punishing him for trying to do the right thing, and for not kowtowing to their outrageous fees.
Consumer complaint received 2023-03-06
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: LEXISNEXIS (IL)

I have contacted this company for so many times, I sent letters so many times as well, requesting to have my credit report corrected and verified but until now no further actions were taken. There are so many accounts where are reporting incorrectly and no proof.
Consumer complaint received 2023-03-06
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: I.C. System, Inc. (NY)

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX  and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordinglyXXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I went to XXXX in XXXX XXXX and I took out a school loan with XXXX XXXX. I was told that I would have low payments after I graduated around {$100.00} a month. XXXX XXXX and XXXX took complete advantage of my situation and did not explain the terms. At the time I was young and excited to attend college. XXXX did not provide classes as they promised and I ended up having to drop out. I did not get gradate. I 'm paying for a school loan that I never used. My loans were transferred to Navient and I pay about {$400.00} a month and that does n't include my other 4 loans that are federal. I 'm struggling and have asked Navient several times to lower my payments and or interest rate. Navient will not provide any assistance. I owe about {$37000.00} now.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  / XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AL)

Midland Credit is reporting a collection account on my reports that I am not familiar with. I have tried contacting this regarding this account and have not gotten a response back. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. 

Per the FCRA, the consumer has the right to dispute any inaccurate and invalid information from their reports and in receipt of my dispute, the consumer reporting agency must acknowledge and conduct an investigation. 

Midland Credit is in violation of my rights as a consumer as they have not responded to my disputed concerns of this debt and I am demanding all documents concerning this account be sent to my mailing address and this account be deleted from my reports now!
Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

On XX/XX/2023, I received a notice from my job about a garnishment from a collection agency for an outstanding XXXX XXXX XXXX XXXX for an address I never lived at and for a single-family home I never own or rented either. The address that was used to file the complaint against me was an address I used to live at 7 years ago. I never received a notice to come to court to dispute this matter whatsoever. They are taking 10 % out of my check every two weeks. The collection is for {$1900.00}. So far, they have taken {$630.00} from me.
Consumer complaint received 2023-03-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (SC)

On XX/XX/XXXX, I received a call from MCM Midland Management LLC. I never authorized MCM to contact me, I did not give MCM this cellphone number nor the creditor whom they are trying to collect for. I do NOT wish to receive harassing phone calls to my cell number/phone. 

I repeatedly receives phone calls before XXXX XXXX  and after XXXX XXXX, I receives repeated calls throughout the day, I have asked them to stop calling the cellphone but they continue to call. 

This is a new cell phone number. I did not give MCM this cell number nor gave them authorization to call this cell phone number. 

On XX/XX/XXXX, I asked the Representative where she was calling from '? She played games on the phone not wanting to tell me MCM is Midland Management. When I asked her, " What was MCM contact number ''? She gave me my cell phone number saying it fast so I couldn't understand what numbers she was calling out. Then I realized it was my cellphone number. This is NOT a game. I want the harassing phone calls to STOP. 


MCM can't prove that I own the debt that they care calling about.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Thunderbird Collection Specialists, Inc. (AZ)

The creditor is from TCS Thunderbird Collection and they were on my XXXX account since I owed the debt since 2013 but then XXXX XXXX fought them to get it off and they came off my credit but then they came back on under my XXXX report which is fraud. You ca n't resubmit a debt that has already come off a report so I need you to investigate them and let them know they need to come off. XXXX XXXX will continue to fight them until they come off my reports and they are direct violation of the law.
Consumer complaint received 2023-02-26
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: SYNCHRONY FINANCIAL (TN)

On XXXX XXXX there were five separate fraudulent credit applications that I did not consent to or have knowledge of until after examining my credit report on XXXX XXXX  and was referred to this complaint process. Prior to this fraudulent activity an individual also attempted to withdraw funds from the bank account via social media and the police were told but did nothing to the culprit known asXXXX XXXXXXXX who is residing in XXXX TN. She obtained my sensitive information from her partner XXXX XXXX who had my information stored somewhere. The companies and their information is listed below. Thankyou for allowing me to submit this complaint and I hope it is resolved accordingly. Id law enforcement is notified Ill be happy to provide information. 
1-XXXX  XXXX XXXX 2-SYNCB/American Eagle XXXX XXXX SYNCB/TJX Co dual card XXXX 4-SYNCB- Belk XXXX 5-SYNCB/ XXXX XXXX XXXX
Consumer complaint received 2017-11-22
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: CL Holdings LLC (GA)

To Whomever This May Concern : I have these 2 accounts on my credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX just reported to my credit report and are acting like they can not do anything. I need this resolved immediately. I have attached my police report. They are reporting to all 3 bureaus and they need to unreport.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.