davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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: LCI Acquisition Inc. (TX)

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Helm Associates (NJ)

On XX/XX/2022, I received several emails/notifications from several credit monitoring services notifying me of a recent change to my XXXX credit report ; which indicated that my current and good standing auto loan with Helm Associates had been removed from my credit report ; which caused my credit score to decrease XXXX points, from a XXXX XXXX XXXX to a XXXX XXXX XXXX. This information is inaccurate ; as I still have an auto loan through Helm Associates. My auto loan with Helm Associates is current and in good standing ; as I have never missed a payment or been late on any of my auto loan payments that are due every other Saturday ( bi-weekly ) ; as I even make my payments early, by paying every other XXXX ( bi-weekly ) instead of waiting until the scheduled Saturday. 

On XX/XX/2022, I contacted Helm Associates and spoke to XXXX at about XXXXXXXX XXXX inquiring about the change to my XXXX credit report ; as I did not receive a phone call or correspondence by mail or email from Helm Associates alerting me of this issue. During my phone call with XXXX, XXXX informed me that Helm Associates is aware of the issue, this was a mass issue, and it was not just isolated to my auto loan with Helm Associates. XXXX also stated, XXXX XXXX, the controller for Helm Associates, was aware of the issue and did not report this information to the credit reporting agencies. I have made at least seven phone calls to Helm Associates and voiced my concerns regarding this issue via the companies website on XX/XX/2022 at XXXXXXXX XXXX requesting assistance with this issue but this is still unresolved. 

As of today, XX/XX/2022, a month later, my XXXX credit report has not been updated indicating that I currently have an auto loan with Helm that is current and in good standing ; as this information is still missing from my XXXX credit report. While this information has been removed from my XXXX credit report, my credit score with XXXX and XXXX has too been affected by decreasing at least XXXX points. 

Phone call dates : XX/XX/2022 at XXXX XXXX Spoke to XXXX XX/XX/2022 at XXXX XXXX - Spoke to XXXX, placed on hold, was on hold for 22 minutes XX/XX/2022 at XXXXXXXX XXXX XXXX No Answer XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX XXXX No Answer XX/XX/2022 at XXXXXXXX XXXX - No Answer XX/XX/2022 at XXXXXXXX XXXX - No Answer
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I am writing to express my dissatisfaction with the annual fee associated with Best Buy despite my previous attempts to close the account. As a loyal customer of Best Buy, I have been shopping member of the community for many years, and I have recently discovered that the annual fee for this service has become a significant concern for me. 

Last year, in XX/XX/year>, After paying the annual fee, I reached out to Best Buy to close my account for Best Buy because I lost the card and no longer used it. Despite my explicit request, the account was not closed, and I continued to receive communication and charges related to the annual fee a year later. This situation is particularly frustrating as I made every effort to discontinue the service well in advance, yet the account closure was not processed as requested. 

Furthermore, I want to emphasize that I refuse to pay this year 's annual fee because I no longer possess the card associated with the account and have not utilized any of the benefits associated with the program for many years now hence why I called to cancel the account in the first place. 

Despite my efforts to resolve this matter, including phone calls to the company, I have not received adequate assistance or been offered any fair resolutions. The lack of responsiveness from Best Buy only exacerbates the frustration and hardship caused by this ongoing issue. 

The negligence of Best Buy 's employees in failing to close my account has led to a cascade of negative consequences for me. Late fees have accumulated due to charges for services I did not utilize or wish to continue, and my credit score has suffered significantly as a result. This situation is wholly unacceptable and has caused undue financial and emotional distress.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX I busted an XXXXXXXX XXXX XXXX XXXX  so I had to get XXXX and because of that I was out of work for awhile. I took a look at my credit report and I have three missed payments on XXXX, XXXX, and XXXX of XXXX. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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 2023-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

XX/XX/XXXX - I payed my {$95.00} CAPITAL ONE MEMBER FEE XX/XX/XXXX - My account was suspended due to fraud detection XX/XX/XXXX - I submitted all the necessary information. 
XX/XX/XXXX - I was called saying my information could not be validated and to be resubmitted. 
XX/XX/XXXX - I resubmitted all the documents. 
XX/XX/XXXX - Without any notice or call for which I was told I would be - Capital One Closed my account. 
XX/XX/XXXX - I noticed my account was closed and called and was not told what could not be validated as well as what I violated. I was told my member fee would not be reimbursed for a card they allowed me to have for less than a month. As well as any miles that I had EARNED on the account. This is ridiculous as they basically can not tell me why they closed my account and are refusing to reimburse me.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Triton Recovery Group (NY)

On XX/XX/23, I sent a cease and desist notarized letter to this company via Overnight service, who is attempting to collect an alleged debt for XXXX XXXX XXXX. Triton Recovery are in violation of several federal regulations, including the Code of Federal Regulations ( CFR ), the United States Code ( USC ), and the Uniform Commercial Code ( UCC ). As a living, federally protected consumer and investor, I am aware of my rights under the aforementioned codes, and I am exercising those rights by refusing their demand for payment. This company have collection practices that have not adhered to the regulations set forth in the CFR, USC, and UCC which are designed to protect consumers from unfair debt collection practices, specifically UCC Section 3-307. I'm keeping thorough records of all correspondence and interactions related to this matter and will not hesitate to seek legal recourse. 

For more details regarding this matter please see attached
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

Original creditor XXXX XXXXXXXX XXXX  send a bill of {$2500.00}. Because of their property manager 's wrongdoing and overlooking notice in advance by emails of lease nonrenewal. To top it off the property manager sent me leasing pricing cheaper than what she wanted me to Renew. I have many claims on this property manager.

The property manager was not able to get me for any damages because I'm certainly not filthy like the residents they allow to live at the filthy building where I paid for trash service. Then comes up with bogus charges of trash on the final invoice to steal my deposit. I'm sure this property manager does this many times. Too many people. She's a theft and I will be looking into further actions to get back my security deposit and legal damages.

Then I get a bill of {$760.00} from collections clearly the property manager is playing games and think is okay to mess with families money.
Consumer complaint received 2023-02-18
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX : {$130000.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance XXXX {$130000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$26000.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX  XXXX Balance XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$35000.00} ( tied up ) XXXX XXXX Balance : {$26000.00} ( tied up XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2023-07-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MD)

Received 3 emails from Midland Credit Management regarding pre-legal action that will be taken against me for debts. On XX/XX/XXXX, I sent 3 letters via certified mail with a return receipts. Each letter stated the following : NOTICE OF DISPUTE To : Midland Credit Management Inc., I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. It is a material misrepresentation for you to attempt to collect any amount more than what you paid for this debt which is fraud upon the court and false & misleading. 

This is a warning! You have violated my rights as a consumer and if you do not cease all collection activities and request for this account to be deleted from my consumer report, i will commence a civil action against your company, in the United States district court. 

Sincerely, XXXX XXXX I would also like to make it known that I did not use my signature to sign the letters that were sent to them. I typed my name on each letter.
Consumer complaint received 2023-07-22
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: EQUIFAX, INC. (CA)

This is my 6th 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. 
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Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (WI)

In XXXX sent Midland Credit Management a 2nd dispute letter stating this account below is not mines, they are mistaking my identity. For one I am XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX, thats a violation it self. I got the reply from you guys recently and I think I need to make myself more clear.
Consumer complaint received 2024-01-31
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX
Consumer complaint received 2024-01-30
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. (OH)

Account Details : Creditor : XXXX Account Number : XXXX This account has undergone multiple transfers of ownership, leading to confusion and, ultimately, the initiation of legal action against me by XXXX & XXXX XXXX XXXX However, I would like to bring to your attention that the case ( XXXX XXXX XXXX Case No : XXXX ) was dismissed with prejudice on XX/XX/2024. The dismissal indicates that no evidence was found to establish my ownership of the alleged debt. 

Given the legal resolution and dismissal with prejudice, I insist that XXXX immediately removes this account from my credit report. The lack of evidence supporting my responsibility for the debt is a clear indication that the reporting is inaccurate, misleading, and harmful to my creditworthiness. I kindly request that XXXX conducts a thorough review of the documents uploaded, it verifies the dismissal of the case with prejudice, and promptly removes all associated negative information from my credit report.
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 status incorrect
Company: SANTANDER HOLDINGS USA, INC. (RI)

I am so sick and tired of banks, being able to take their sweet time and reporting when account has been paid in full and closed versus if somebody has a blemish on their credit report If Ive paid my account in good faith, and paid it off completely and close the account. The bank has the luxury of taking 2 to 3 months from what I am told to report this to the credit bureaus However, if I slip up and make one missed payment, they are more than happy to report that in less than 24 hours This is ridiculously unfair! The government needs to take steps to hold these financial institutions accountable for their actions and level the playing field! If they can report negative information and 24 hours, they can report positive information in 24 hours!!! They should not receive any sort of special treatment or accommodation, because of processing time as that doesnt seem to be an issue for them when theyre reporting negative information!
Consumer complaint received 2023-10-03
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: SYNCHRONY FINANCIAL (NY)

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to SYNCB/RMSTGO XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.