davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2016-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (OH)

I had cable service from XXXX that was contracted through XXXX. All billing for my cable service was received from XXXX. I never had an account directly with XXXX. Upon the end of service, I received a bill from XXXX that reads FINAL BILL about 3 years ago. The FINAL BILL showed that I overpaid the account by more than {$50.00}. However, XXXX created an account after service ended and continues to send me fraudulent bills via collection agencies attempting to collect at first {$230.00}, then {$140.00}, and recently {$98.00}. On XX/XX/XXXX, I contacted XXXX via certified letter to dispute the debt, provided a copy of FINAL BILL proving balance was not owed. This collection company stopped contacting me after the letter was sent. Then I received collection attempts from XXXX in XX/XX/XXXX and XX/XX/XXXX. Again, I sent a certified letter to dispute the debt, provided a copy of the FINAL BILL providing the balance was not owed. This collection company also stopped contacting. 
However, on XX/XX/XXXX, another collection company called XXXX has sent me a letter attempting to collect the debt. I filed a complaint against XXXX ( See Case Number XXXX ) Guess what? Stellar Recovery, I want you to know I am stellar and will never pay this. Tell XXXX XXXX that they can keep doing this for another 4 years, I will keep filing complaints. STELLAR! If Stellar Recovery contacts me again, I will take legal action for violations against the Debt Collection Act.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I have legitimately have already paid off XXXX of my credit cards at Jp morgan Chase bank, and kept paying to build credit. XXXX of them is {$4500.00} in debt, as I discovered through my main bank XXXX Chase XXXX bank on XXXX and XXXX XXXX, XXXX XXXX, California, the limit is {$1500.00}. someone has been spending beyond my limit and on top of that my XXXX XXXX is still poor. I opened a case withc chase bank itself, they refuse to call me back, i opened a claim online, the website is shut down, and other links to free claims are now diminished. I more than suspect it is a " XXXX XXXX " whom I reported for Human Trafficking. he has a minor with my same exact name, making my claims and statements against me behind my back as if I am the fraud, claiming he is " confused '' and it is safer to just assume she is the plaintiff. I have been misdiagnosed as a XXXX  and have been recieving XXXX for XXXX, when originally it is XXXX, XXXX XXXX XXXX that XXXX victims and war soldiers have, considering XXXX can result in forms of XXXX, this is the case here. XXXX XXXX.
Consumer complaint received 2017-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (NE)

I mailed a payment in XX/XX/XXXX for {$110.00} that was cashed by ACS on XX/XX/XXXX but apparently was never applied to my account. So in XX/XX/XXXX when I received the statement showing past due I contacted them. That was XX/XX/XXXX, the gentleman that I spoke to said to send a copy of the cashed check to them, which I did on XX/XX/XXXX ( I sent copies of both the XX/XX/XXXX payment and the XX/XX/XXXX payment both for the amounts of {$110.00} ). I received the XX/XX/XXXX bill today and it is still showing past due so I called them and they still have not processed the payment from XX/XX/XXXX to credit it to my account. There are late fees on my statement both for the month of XX/XX/XXXX and XX/XX/XXXX. They will not let me speak to a supervisor or correct  their error for me. The best they can tell me is to check back at the end of the week to see if the situation has been fixed. Meanwhile this negatively affects my credit and I am paying more interest than I should be since the amount applied to the late fees should have been applied to my principal thereby reducing what I owe and what the interest would be each month.
Consumer complaint received 2022-04-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC (MI)

Customer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Team XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXXXXXX XXXX XXXX, MI and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX : Misappropriation of Settlement Funds by Global Lending Services LLC and XXXX debited my personal XXXX XXXX XXXXXXXX XXXX XXXX checking account without my permission did not applied monies to car loan principle/balance. 

I, XXXX XXXX XXXX XX/XX/XXXX received Settlement Offer by XXXX XXXX XXXX {$15000.00} accepted by Global Lending Services LLC Settlement agreement on XX/XX/XXXX. 

Global Lending Services LLC unauthorized ( did not have permission ) debited my, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX checking account removing {$12.00}, XXXX of monies that I received as a settlement offer from XXXX XXXX XXXX for the Totalled Loss car, but did not applied monies to principle/balance. 

Global Lending Services LLC did not applied unauthroized debited monies of {$12.00}, XXXX to principle balance owed on Totalled Loss Car, neither did not applied to payment balance either. 

Global Lending Services LLC did not applied GAP and Warranty coverage is bundled into loan amount at dealership signing of GLS paperwork signing. 

Global Lending Services LLC and XXXX XXXX XXXX refused to release this totalled Car I did request to be towed to my personal residence at XXXX XXXX XXXX XXXX MI XXXX. Global Lending Services LLC said No, told me that after the XXXX Adjuster goes to do his investigation and determines the car totalled loss whatever the SELLING PRICE or JUNK PARTS will be deducted at the end from the balance owed on the totaled car loss balance this never happened either. 

I need your help with justice, I am being threatened with Wage garnishment by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX for balance of Totalled Loss Car {$21.00}, XXXX, Please help me clear this matter up my credit is being affected by these oversights. I owe ZERO balance
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (TX)

I have called multiple times about the way the account is reporting. They are reporting it as a new charge off every month and the balance increases every month also they report every month. If it isna charge off it should be a charge off not a new account every month. This is wrong and has harmed my credit every month they need to remove this account or fix it to where ot reports as charged off when it was charged off not a new charge off every month. 
I callee corporate they said it is the Store that does the reporting XXXX at the store said no it is corporate that does the reporting. Come on this is a pretty large company get it right.
Consumer complaint received 2022-04-18
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. (AL)

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  has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX  XXXX  has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2022-04-18
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. (AL)

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  has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX finance has violated my rights. 
XXXX XXXX  XXXX  has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (NC)

I have tried on numerous occasions to have this collection removed from Equifax and it has been removed from all the other XXXX bureaus ( XXXX and XXXX ) months ago. The Collection is from XXXX XXXX XXXX Tennessee for {$130.00}. I have come to discover that this debt is also Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report. It is a HIPPA Violation and I NEED THIS TO BE REMOVED ASAP!
Consumer complaint received 2022-04-18
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. (NC)

In accordance with the fair credit reporting act XXXX  Accounts XXXX, XXXX, XXXX, 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.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-04-18
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. (PA)

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

Dept of Ed/XXXX Account XXXX HAS VIOLATED MY RIGHTS. 

Dept of EdXXXX Account XXXX HAS VIOLATED MY RIGHTS. 

Dept of EdXXXXXXXX  Account XXXX HAS VIOLATED MY RIGHTS. 

Dept of EdXXXXXXXX Account XXXX HAS VIOLATED MY RIGHTS. 

Preferred Lease Account # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C section 602 A. States i have the right to privacy.

15 U.S.C 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-04-18
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. (NY)

My address is no longer valid and other consumer reporting agencies snd TransUnion and XXXX dont update. They all havent changed my delinquent loans no longer legally delinquent but rather large loans in good standing.My XXXX XXXX card is right on some reports and wrong on others a disputed account in collections involving identity theft years ago is off some reports snd not others. My phone is incorrect. 

Address XXXX XXXX XXXX  XXXX, Ny XXXX Phone XXXX
Consumer complaint received 2022-04-18
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. (MI)

XXXX XXXX XXXX XXXX loan DATE OPEN XX/XX/XXXX Charged off XX/XX/XXXX Balance XXXX Original balance XXXX Terms 82 months Responsibility - individual In accordance with the fair credit reporting act convergent account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 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 2022-03-21
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX  XXXX Account # 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
Consumer complaint received 2022-02-26
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. (NJ)

XXXX XXXX ARE STILL REPORTING A ACCOUNT ON MY REPORT AS OPEN MEANWHILE THEY CLOSED IT IN XX/XX/2021... 

TRYING TO SETLE THIS ACCOUNT WITH THEM BUT THEY THREAT ME VERY RUDE OVER THE PNONE AND ARE NOT WILLING TO SETTLE WITH ME
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transition solicited my personal I formation to place negative marks on my credit report and profit. " XXXX XXXX ''! 
15 USC 1692k 17 USC 107
Consumer complaint received 2017-03-21
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Recovery Services, Inc. (NJ)

I open a credit card in the store with XXXX two years ago I have not received a statement since. Then I received a letter from a collection agency stating I owed {$290.00}. I explained to XXXX that I never received any statements the representative stated that the statements were coming back to XXXX return to sender. XXXX had the wrong address that was why I never received the statements. However instead of calling me two years ago to correct the situation they just ignored the problem. 
When I called XXXX they told me the account was no longer with them to call the collections agency I called the collections agency and they staid to call XXXX back and forth for days with no results. The last person I spoke to was XXXX employee id XXXX she told me there is not anything she could do that I had to pay the total amount I feel this is a bank error and I should only have to pay what the original charge was {$44.00} not {$290.00} Also XXXX was rude and did not try to assist me in anyway. XXXX said over and over again that XXXX will not settle the amount that I had to called the collection agency who already told me to call XXXX for XXXX to waive the {$250.00} because it was a bank error The account was open in XX/XX/2015 agreed however the cashier entered my information and I was not able to confirm the address from the register therefore because I never received the card I forgot about the original charge of {$44.00} I did not receive a call from XXXX on XX/XX/2015 my question to XXXX is if you receive returned mailed from me why did n't anyone reach out to me why was all the late fees allowed to accumulate? 
This seems to be unfair, deceptive and fraudulent charges due to XXXX not following up or doing the proper due diligence for the customer XXXX is just trying to take advantage of a senior citiz
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I reached out to Experian XX/XX/22 to have additional personal information remove from my report the rep I spoke to confirmed the info i request to have thats correct to stay on my report. She verified it would take XXXX hours to be removed. I called Experian again today XX/XX/22 to inform them I still have info that was verified to be taken off its still on my report. They advised the name is linked to an open accounts. It is listed as also known as. I informed Experian I do not go by an alias name nor did I ever go by another name previously. The accounts they are speaking of has collection on it. It can not be in collection and open at the same time. The address Experian refuse to remove I never live there and I told them I never live there before. They said that that address is linked to an open account and I advised them that open account was on my report years ago and this address is just populated on my account. I advised them that I have the paperwork with the address that should be on my report from that company available to send to them but they said that may not help and I have to reach out to the company. I explained to Experian that I spoke to the company and they sent me information to address thats on the account and it is not the XXXX address thats reporting on my consumer report. I informed experian XXXX times that they are violating my consumer right 15 USC 1681B and they did not seem to care because they say they are following their policy and I explained to Experian that XXXX XXXX Supersedes their policy.
Consumer complaint received 2022-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WA)

On XX/XX/2022 I did a transfer through Zelle from my checking account with XXXX in the amount of {$750.00} for the purchase of a puppy. The next day we realized that we were scammed and I called to bank right away but the money had already transferred. We tried contacting the seller but they wouldnt answer our calls or emails. The bank did an investigation but because of XXXX terms if service they couldnt get the money back. I called the bank once again to reopen the investigation which they did but still had the same outcome. This incident like many others are being overlooked by companies like Zelle, who do not protect the customers. We loss {$750.00} and no one helped us get it back.