davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (AR)

I had a hardship right after the Covid hysteria I had to move out of state, 1099-C was submitted and accepted by the IRS for Relief and cancellation of the Debt of the full amount, it had been ignored and my account was sent to collections with a set of derogatory remarks Ive tried to dispute it directly by sending them copies of the IRS form , they just sent another invoice ignoring my copy B It was sent from IRS, I disputed 5 times they came back verified and valid the company cant close my account for utilizing consumer laws I had made the payment and use of that card nearly 5 years. they didnt know they got sent the payment in full to the IRS ? I tried to send letters they just ignored me and closed my account so this is the last straw Ive been damaged and denied for everyday goods and services as a result of them not trying to uphold the consumer rights and acting like bullies
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CL Holdings LLC (GA)

Jefferson capital systems refuses to send XXXX XXXX any recept or information containing to a debt in the amount of XXXX said to be owed by XXXX XXXX. 
Numerous attempts have been made to correct this mistake without any resolution
Consumer complaint received 2022-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2020-09-30
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: EQUIFAX, INC. (UT)

I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following accounts listed in this report. Please remove them immediately.
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NJ)

MCM or midland credit management has now called me back to back within 2 seconds of each other 2 days in a row. Both times i answered they asked for myself and the call ended. At this point i am feeling harassed and i believe this is a violation considering both times i answered my phone and they asked for myself. This is also not including the other days that they called me this week. I am going through a hardship currently and this is just adding more and more stress with the back to back calls harassing me which is adding more stress. I attached all calls that i have gotten from Saturday XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-09-30
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. (UT)

I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following accounts listed in this report. Please remove them immediately.
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (CA)

Ive attempted working with National Credit Adjusters collection agency to settle a debt. They agreed to settle at a lower rate, of about {$3000.00} but have continued to send me recorded collection calls and have not updated my credit reports. My credit reports are still reflecting a balance owed, even though they agreed various times to settle and update as paid.
Consumer complaint received 2020-09-30
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. (TX)

MY XXXX XXXX XXXX XXXX MY FATHER IS XXXX XXXX XXXX XXXX. HE STOLE MY IDENTITY NOW EXPERIAN REPORTING BANKURCTY CHAPTER XXXX I FILE POLICE REPORT FROM MY LOCAL POLICE DEPT SEND TO EXPERIAN NO ACTION UNDER FRCA LAW IM GOING PURSUE LEGAL ACTION WITH MY ATTORNEY.
Consumer complaint received 2020-09-30
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: General Motors Financial Company, Inc. (DC)

General Motors Leasing Company reported derogatory information on my credit report to the following bureaus : XXXX, XXXX, and XXXX. The information reported was late-payment for the month of XXXX. Ms. XXXX, the consumer, experienced a hardship due to an erroneous mistake from the IRS in the month of XXXX, whereas, the consumer 's account was locked by the XXXX XXXX XXXX XXXX XXXX : in this case, payment was not able to be processed. For the month of XXXX, the consumer requested a deferment due to the Pandemic and hardship faced. In the month of XXXX, the consumer did her best to make a payment, at which, GM allocated that payment for the month of XXXX. The consumer returned to work during at 40 % on Phase II on XX/XX/2020. GM reported that payment 30-days late ; after knowing, the current situation-at-hand dealing with the Pandemic and tough financial decision. The consumer has leased two cars from GM and has never been late! This is the first-time! The consumer was able to re-finance the car with her credit union at a lower-rate ; and, the balance owed on the account was paid-in-full on XXXX, XXXX. GM never considered the consumer 's financial-hardship for the month of XXXX, and, refused to take into consideration, the consumer 's commitment in leasing two-cars for the past six-years ; and has never been late! The consumer 's FICO score was decreased by 100-points! In addition, the consumer takes her credit-score very seriously ; and has been on-point with paying on time for the past three-years. Having this derogatory information removed with fairness and non-judgemental, will allowed the consumer to feel secure knowing, that GM has the consumer 's best interest at heart and, that her secret-clearance will not be severed by GM 's determination to not attempting to remove negative information on my credit-report during a hardship and devastating time due to the COVid-19 Pandemic.
Consumer complaint received 2022-11-08
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. (MD)

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 and Account # XXXX, have 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 an 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 information : Any other adverse items 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-13
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. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (NV)

I never gave permission to access my credit report and perform Hard Inquiries to the companies listed here. 
1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX XXXX  : I disputed below accounts with XXXX on XXXX. My dispute completed and XXXX did not deleted these accounts Collection Accounts : I do not know these collections accounts. 
1. CAVALRY PORTFOLIO SERVICE - {$1500.00} 2. XXXX XXXX XXXX - {$900.00} 3. XXXX XXXX XXXX - {$12.00}, XXXX. 
Credit Cards : I disputed below accounts with XXXX  on XXXX. My dispute completed and XXXX  did not update the accounts. 
I disputed Credit cards : Closed and Balance amount and Unauthorized charges 1. XXXX XXXX XXXX  XXXX XXXX - {$3700.00} 2. XXXXXXXX XXXX XXXX - {$1300.00} 3. XXXX  XXXX XXXX - Master- {$790.00} 4. XXXX XXXX XXXX Visa XXXX {$1800.00} 5. XXXX XXXX  XXXX XXXX - {$16000.00} Kindly help me. 
I am the Victim of HARD inquires, un-authorized charges. 

Regards XXXX XXXX
Consumer complaint received 2020-10-01
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: Experian Information Solutions Inc. (CA)

***THIS IS NOT A DUPLICATE COMPLAINT ... I AM RESUBMITTING BECAUSE THIS COMPANY IS TRYING TO GET AWAY WITH BREAKING THE LAWS ... THEY CLOSED MY FIRST COMPLAINT STATING THAT I AM NOT WHO I SAY I AM WUEN I SUBMITTED A COPY OF MY ID SOCIAL AND A NOTARIZED LETTER FROM THE NOTARY PUBLIC. I started my disputes with experian back on XX/XX/2020. I put in a dispute for a XXXX account, a XXXX XXXX, and XXXX  XXXX XXXX. These accounts were reported " Verified ''. Previously to this i had reached out to these companies and they were not able to provide me with any information on either of these accounts.I reached out to all three bureaus to investigate why these accounts were showing on my report and I asked each company to investigate this matter. XXXX  and XXXX notified me within 30 days of their investigation that they could not get any information either and the 3 accounts were deleted from my file. I filed the same dispute in XXXX with experian  and as I stated above it came back suprisingly " verified and reporting accurately ''. I found this to be unusual so I requested information from these companies that I was informed by the FTC commission ( I wrote it down ) that under section 611 ( a ) ( 1 ) ( a ) and 611 ( a ) ( 7 ) I could request the original documents that they had on file from these companies and the results of investigation ( section 609 ( a ) ( 1 ) ( a ) which I still have not received. These accounts are still reporting from experian and no one has given me any documentation of what I asked for. I received a response today XX/XX/2020. That under section 611 ( a ) ( 3 ) ( a ) they could not honor my request. I was very specific in my letter and what I asked for. I spoke with a rep and he told me that I was not allowed to ask for that information and that they did not have to provide it and that I must go to the creditor and ask for it. I did that back in XX/XX/2020 and was unsuccessful. Because they did not provide me with the requested documentation section 611 ( 5 ) ( a ) says that it has to be deleted. ( Yes I read this information provided by the ftc ). I refuse to be deceived in their tactics to not properly do their jobs. How can 2 bureaus find nothing but experian says something different? If the creditors reported the accounts to all three then they should have all been given the same information and removed from all 3 bureaus.
Consumer complaint received 2020-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

Paypal locked my account on XX/XX/XXXX for no reason. I use paypal for XXXX  sales and XXXX sales of sports cards, coins and collectibles. I have thousands of happy clients, and never once in this time frame had a single refund request or chargeback. 

Paypal has refused to release the money in the account that belongs to me, just a hair over {$2000.00}. They will not provide a reason for the closure and will not listen to anything. I believe this is a financial crime to hold over {$2000.00} in revenue from selling goods and the service of inspecting collectibles for conditional flaws. This is a complete scam, and no one does anything about it due to Paypal 's size. 

I am also going to file a complaint with the FBI. I need resolution to this. It put a small business out of business during Covid now that I can no longer conduct business.
Consumer complaint received 2019-12-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

I got a loan modifications in XXXX. I was a victim of a predatory lenders in XXXX. I got a loan modifications with Carrington mortgage and because I was in a pickle and was eager to save my home I didn't realize how they were robbing me. My original loan was amortized at 424 months Carrington changed it to 337 months. They want a balloon payment in XXXX. They added {$4700.00} and my payment went from {$590.00} to {$580.00}. They claimed they wrote off {$290.00}. In the a part of the terms of the modification it states that any increase in the amortization period can result in a balloon payment. Item b States that there was XXXX   amount deferred so please tell me why a balloon payment? They have transferred my loan to XXXX who is another predatory lender and they are looming for a prepayment and a balloon payment. I don't see why. They are predators and continue robbing consumers. Please advise if I need a lawyer.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1. XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2020-10-01
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: Experian Information Solutions Inc. (IL)

Within the past month, XXXX and Experian have not correctly verified any of the 5-6 collection  accounts on my credit report. Ive sent in dispute letters every month, to no avail. I also received notification that 2 of the collections have been closed from XXXX XXXX, but they were still listed on my report from both credit reporting agencies. Also, XXXX has 2 collections on my report and when I spoke to them a few weeks ago, they only stated I have one collection account and not 2. None of these collection companies can be verified, I did not sign a contract with any of them, yet the credit bureaus are verifying the debt, without contracts or doing due diligence to correct these errors. I am demanding they remove all of the collections from my credit report.
Consumer complaint received 2024-03-19
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. (NM)

I am writing to express my deep frustration and dissatisfaction with the lack of progress in removing fraudulent items from my credit report, despite multiple attempts on my part. These fraudulent items are inaccurately reflecting my financial history and are adversely affecting my creditworthiness and financial opportunities. 

Frustrated by the lack of progress, I made multiple attempts to have these fraudulent items removed from my credit report. Each attempt was met with delays and unsuccessful outcomes, leaving me feeling helpless and marginalized. 

The continued presence of these fraudulent items on my credit report is severely impacting my financial standing and future prospects. I have taken all necessary steps to address and rectify this issue, yet it persists, causing me undue hardship and stress. 

I urgently request that you take immediate and decisive action to investigate and remove these fraudulent items from my credit report. I expect a swift resolution to this matter, including the complete removal of all unauthorized transactions within exact timeframe. Furthermore, I insist on receiving regular updates on the progress of this matter to ensure transparency and accountability. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal remedies to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Unauthorized & unrecognized inquiries on my credit reports 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 2020-10-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (FL)

I have created an account with Robenhood trading system to invest some cash into the stock market. And I transferred $ XXXX into the Robenhood account trading for the first time I spected to lose or make profit but I expected a fair investment but one day I seem a stock call XXXX XXXX XXXXXXXX XXXX seems to be increasing in value I decided to purchase that stock. I purchased the stock and in less than 20 minutes the stock dropped down from scratch and I lost almost all of my money. I feel that it's like a scam someone playing the system to make people buy those stock to still the money from us. I contacted Robenhood and the reply from them was that they don't control the price of the stock that is why I'm seeking for help because not too long after that happens to me I've seen the new a young man was XXXX  due to something similar to my history.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (VA)

Once again, I am going to file this dispute and continue filing until the back office responds correctly. Stop giving me generic responses. Please acknowledge the emails and files sent to you by the merchant indicating to Release the funds that were refunded to my card by the merchant. The merchant has proof and has shown the refund in multiple attachments. I will keep filing until you acknowledge this and stop lying about waiting for a response from the merchant. I also have audio calls of the merchant trying to contact SOFI who is not responding to the merchant. Payment auth forms have been given by the merchant along with refund letters
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is not my account. Please provide the original instrument of indebtedness or remove. This account has all kinds of errors. How could you be late on account that is charge-off. There is no activity and last payments and history is inaccurate. In addition to that I do not recall this account, so please provide method of verification as well.