davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-23
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. (CA)

This company made a grave error that caused a devastating effect on my credit file. I already disputed these with the credit bureaus before but they refused to fix the error they 've made. Incorrect information such as wrong addresses, phone numbers, accounts, and inquiries has been reported in my credit file. All these information do not belong to me and should n't have been reported on my credit file. Despite my efforts on fixing these errors, these credit repository remained negligent and noncompliant. I only moved to XXXX XXXX XXXX, XXXX XXXX, CA last year and this is the only address associated with me. They only phone number that should be reported is my phone number ending in XXXX. This is the only phone number I ever had. Transunion is also reporting that there are inquiries from XXXX XXXX last XX/XX/XXXX and 2ND XXXX XXXX last XX/XX/XXXX. These inquiries are NOT VALID. There businesses do not have any lawful right to be on my credit report. I am not the person who the credit was pulled by these companies. This is not my account. I am a victim of this credit bureau 's mixed up files.. This company has mistaken me for someone else. This is my last effort to have this bureau fixed before I get a legal counsel involved.
Consumer complaint received 2023-02-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (NC)

BULLCITY FINANCIAL SOLUTIONS HAVE LISTED ( 4 ) FALSE COLLECTION RECORDS ON ALL OF MY PERSONAL MEDICAL RECORDS VIOLATING HIPPA REGULATIONS. ACCOUNT NUMBERS XXXX, XXXX, XXXX, XXXX ARE ALL LISTED UNDER MY XXXX, XXXX AND XXXX CONSUMER REPORTS AS COLLECTIONS.
Consumer complaint received 2023-01-17
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-03-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A. (IL)

NEW COMPLAINT LOAN INTEREST NOT PROPERLY CREDITED ACCOUNTING ERRORS ... Contrary to pnc assertions this matter is not resolved. the PNC customer history i recieved was a partial one.PNC issued checks to me UNTIL XX/XX/2109 overpaid rebates and had correspondence with me and claimed transactions were processed on my closed auto loan account after XX/XX/2019. The customer history includes none of this data, i believe because i paid off my loan in 9 months there were additional accounting interest errors on my auto loan account. I contend by overpaid rebate was valid and as well reference to those checks and transactions and actions after XX/XX/2019 are also curiously absent from my customer history. which is not a complete auditing of my account but instead a printout of limited transactions not including the accounting errors made by PNC Regards, XXXX XXXX
Consumer complaint received 2020-03-12
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (TN)

In XXXX of XXXX, I placed a FOIA request for specific information concerning student loans that was sent to the Dept of Education. The Dept of Education failed to provide all the information requested at that time so I placed a 2nd FOIA request in XX/XX/XXXX and outlined information I would like to be provided concerning student loan debt along with additional information. 

Included in my request were items as listed 1. Offer 2. Acceptance 3. Consideration 4. Mutuality of Obligation 5. Competence and Capacity 6. Written Instrument I also requested from The Dept of Education servicer information 1. Assignment information 2. Terms and conditions 3. Borrower Acknowledgment Which is Federal laws and State laws for my state of TN. 

I also requested I be provided any securitization information ( SLABS ; Hedge Funds etc ... ) Additional request : Original paperwork Chain of title Assignments ( Please see email attachments ). 

I requested all the information provided notarized by of individuals who can testify under oath and utilized in a court of law. 

As of todays date, XX/XX/XXXX, I have not received any of the requested information. Fedloans, who has only stated they are servicing the loans, without the requested paperwork from ( Dept of Education ) or anything provided by Fedloans, or following Federal or State law requirements and in violation of TCPA ( Tenn Consumer Protection Act ). 

I applied for a Deferred/Forbearance of any loans Fedloans stated they have in their records.in XX/XX/XXXX. They took those loans out of deferrment/Forebearance the next month XX/XX/XXXX and have been trying to collecting over {$100000.00}. 

Licenses are also required to come into the State of TN. 

Please review : No. 19-2116 IN THE UNITED STATES COURT OF APPEALS FOR THE THIRD CIRCUIT Commonwealth of Pennsylvania, Plaintiff-Appellee, v. 
Navient Corp., and Navient Solutions LLC, Defendants-Appellants. 
On Appeal from the United States District Court Court for the Middle District of Pennsylvania Hon. XXXX XXXX XXXX Case No. 3:17-cv-01814-RDM
Consumer complaint received 2024-02-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MI)

Dont no this creditor or had any communication with this company information is wrong put a bill on my credit that I never had fraudulent information on my Experian credit report XXXX XXXX {$510.00} asked company to remove it fraudulent information XXXX XXXXXXXX XXXX do not exist anymore
Consumer complaint received 2021-03-16
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: Mountain Run Solutions, LLC (TX)

I notified XXXX  that an account apparently owned by MOUNTAIN RUN SOLUTIONS LLC corresponds to an account that was over 10 years old which should no longer appear on my credit report. They claim to have investigated the dispute but they claim to have verified that it was accurate despite the account being over 10 years old. Since the account is over 10 years old they can not have any valid proof that I entered into any agreement that corresponds to a valid and current debt. I have previously notified MOUNTAIN RUN SOLUTIONS LLC in writing that I believe this debt is too old to be reported on my credit report and asking them to provide documentation showing that it is a valid/current debt but they have ignored my requests for information and are instead fraudulently reporting this on my credit report.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

I am fairly a happy customer with Citi Bank with a credit card relationship since 2017. I have not missed a payment but I was given a credit line of {$200.00}. I called and spoke with a representative about converting from the Citi Diamond to one of the 3 offered new product - I elected the Advantage Executive. The Rep advised that I needed a minimum credit limit of  {$5000.00}. I applied and got denied a credit line increase online, then again the rep processed another credit line increase. I asked if there is a way to make contact with their credit team to request a second review since there is no credit check involved. I was advised that they are not customer speaking, understandly I opted to ask if the rep could create an internal escalation with my request for a second review ; I was then told there is no way they could communicate with the credit team. In awe of this response I asked to speak with a Supervisor to be told the same thing. I am not sure if this is a dead stop to the service I was asking for or if its a form of prejudice being refused a service. I have other credit cards with high limits, 2 XXXX charge cards ( platinum and Gold ) and have never missed a payment. Having a credit line of only {$200.00} is more harmful then helpful, if I should spend {$100.00} then it would be reported that I have 50 % credit available to me which will probably give an adverse effect to my credit rating.
Consumer complaint received 2020-03-12
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. (FL)

I AM WRITING ABOUT WHAT I NOTICE ON MY CREDIT REPORT WHICH IS CRAZY. I NEVER AUTHORIZE THESES ACCOUNTS. SOMEONE OPEN ACCOUNTS USING MY INFORMATION. I WANT THESES ACCOUNTS TO BE REMOVED OFF MY CREDIT THIS IS FRAUD.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MN)

I opened a victoriassecret credit card on XX/XX/2021. Since the XXXX month eve of the credit card opening I have requested credit limit increases and continued to receive the same false letter response stating that since they were unable to get in contact with me they can not approve my request. No contact of any kind has ever been made. I called customer service to verify this and no one had records of the company trying to reach me. This is a horrible business practice and I would like this issue resolved.
Consumer complaint received 2022-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MO)

Someone with my name has a collection and it was placed on my credit report. It is a XXXX XXXX  from XXXX XXXX XXXX in XXXX XXXX XXXX XXXX  for XXXX. I have never used this utility company and have never lived in XXXX. I filed a dispute but Transworld and XXXX said they found it accurate and will not remove it. If investigator was smart, they can compare this collection with my credit report and addresses and conclude it was placed on my credit report in error and needs to be added to the person who used this utility company and lived in XXXX that has same name as me. I believe they just added it to mine by pulling my name, which is very uncommon. Please investigate and remove from my credit report, I have tried to keep a great credit report and this has caused me harm.
Consumer complaint received 2021-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I notified Transunion that an account apparently owned by XXXX XXXX XXXX XXXX corresponds to an account that was over 10 years old which should no longer appear on my credit report. They claim to have investigated the dispute but they claim to have verified that it was accurate despite the account being over 10 years old. Since the account is over 10 years old they can not have any valid proof that I entered into any agreement that corresponds to a valid and current debt. I have previously notified XXXX XXXX XXXX XXXX in writing that I believe this debt is too old to be reported on my credit report and asking them to provide documentation showing that it is a valid/current debt but they have ignored my requests for information and are instead fraudulently reporting this on my credit report.
Consumer complaint received 2020-03-12
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)

I am a XXXX year old woman who is continuously badgered by XXXXXXXX XXXX XXXX who refuses to disclose an original debtor and his attached the {$14000.00} lien on my credit. They continue to call me during my work hours while I take XXXX XXXX XXXX XXXX XXXX and threaten me with legal action and arrest. I live in California and have no idea what the debt is in can not unless they properly disclose original signatures original paperwork and all the things that are required by law to show me that I actually owe this debt they claim I owe. Meanwhile I've made several attempts with credit bureaus to remove it and none have been answered properly. No parties in vaults have followed the strict legal guidelines set out by the fcra which I have taken the past year to study and familiarize myself with.
Consumer complaint received 2020-03-12
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. (CA)

I am a XXXX year old woman who is continuously badgered by XXXX XXXX XXXX who refuses to disclose an original debtor and his attached the {$14000.00} lien on my credit. They continue to call me during my work hours while I take XXXX XXXX XXXX XXXX XXXX and threaten me with legal action and arrest. I live in California and have no idea what the debt is in can not unless they properly disclose original signatures original paperwork and all the things that are required by law to show me that I actually owe this debt they claim I owe. Meanwhile I've made several attempts with credit bureaus to remove it and none have been answered properly. No parties in vaults have followed the strict legal guidelines set out by the fcra which I have taken the past year to study and familiarize myself with.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (KY)

this account is not mine and needs to be removed i have contacted the company and they fail to remove both accounts also the other tidewater car loan i had for 6 years and the starting balance was XXXX in five years they said i only paid XXXX dollars which is false and they repo my car
Consumer complaint received 2022-03-22
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. (GA)

In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & fair Debt Practices Act 15 U.S.C. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ! 5 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A states : A debt collector may not communicate with a consumer in connection with the collection at any unusual time or place, or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging in person in a telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2020-03-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings (CA)

I just received an email ( see below ) for a debt I do not have. I do not have any outstanding bills with this company. I've had companies try to fraudulently get money from me in the past and this is the latest example of this scam. I want to report them and go after them for fraud if possible. 

CONTENTS OF EMAIL : XXXX XXXX <XXXX> Thu, XX/XX/2020 at XXXX XXXX To : " XXXX '' <XXXX> CASE NO : XXXX CURRENT BALANCE : {$920.00} Today Settlement amount {$480.00} CONTACT AT : mailto :  XXXX After receiving this email we will issue a legal warrant on your name within the next couple of hours so before you do anything read this email very carefully and respond back early as possible. You are hereby notified that a lawsuit has been filed against you for three serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings. 
The charges with Speedy Cash pressed on you are : 1 ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception Basicall y all the payday loan companies and payday loan store in the state of PA working under my client which is Speedy cash Inc?
When the creditor attempted to extract the funds back from your account as a repayment, at that time 6 EFTs were returned back constituting worthless electronic checks. So, as of now rather than chasing you for money the creditor has simply decided to write this money as a loss, as well as declared to be stolen and they pressed charges against you.

Now

the affidavit is taken by FDCPA law that means the Fair Debt Collection Practices Act under Section 9 Chapter 19. Now this means just two things for you : 1. ) If you are on any state supervised probation on payroll, then you will need to intimate the officer about this case. 2. ) If you have any prior convictions including
but not limited to worthless check, grand theft or money laundering, so please be aware that they shall handle this case as a habitual offense as your state is a zero-tolerance state.

Finally, this case is going to be downloaded in your State County Court and your Local County Sheriff department Monday at XXXX XXXX as per your State Standard Time and after then you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$980.00} If you are willing to settle it out of the court you can surely respond positively today itself. We can only accept your full payment today also there is no negotiation and there are no payment plans available as the issue at hand is extremely time-sensitive. 

So kindly respond to this email on mailto : XXXX to resolve this matter. 

Sincerely, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX TX.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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 XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2023-01-17
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. (NE)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these immediately : 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 2023-01-17
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. (TX)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please adjust the following items immediately : 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 2023-01-17
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. (NE)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these immediately : 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