davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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. (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. 

XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED 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  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 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 2020-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (VA)

i pull my credit report and i see this debt that i am unfamiliar with i tried to contact them and also sent m, y dispute letters to them i have not received a respond and i want this debt to be remove because its hurting my credit score
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

On this day I informed the agent that the debt was past the statue of limitation as the date of last charge ( payment by myself ) was in XX/XX/XXXX. I further stated that the debt has been sold to several collection agencies and that they continued to add interest to the account but that was not the date of last charge by myself. The agent told me I was more or less imagining things and that the date of last charge was in XX/XX/XXXX. I then informed her that the statue of limitations in Oregon is 7 years so it would still be statue. The women became very angry and raised her voice. I told her not to contact me anymore. She said that she would contact me because this account was not past the statue of limitations. About an hour and 40 minutes later they called back and I spoke to the same woman, who said that she was in litigation. She said that they were going to sue me. I again informed her that the account was past the statue of limitations. She said that the account was sold to 3 collection agencies and that the last time interest was added was in XX/XX/XXXX. So, again, it is still past the statue of limitations. She started yelling at me and I disconnected the call. Previously, I contacted by telephone and ( I assume the same people ) identified themselves as process servers and that they had papers to serve to me. ( This was approximately in XX/XX/XXXX. ) They would not give me a case number. I contacted the state of Oregon for a local attorney recommendation and then spoke to an attorney in XXXX. He told me that it was unlikely that they had filed papers otherwise they would have given me the case number of the court case.
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GOLDMAN SACHS BANK USA (MN)

These companies are violating my privacy rights sharing my personal information without my consent ( 5 USC 552 ( a ) ( 16 CFR 313.7 -433.2- 433.3 ) these companies reporting I owe then funds without the proof Im requesting and I think they committed identity theft and fraud with sharing my personal information
Consumer complaint received 2022-12-01
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. (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. 

XXXX XXXX XXXX XXXXXXXX DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 2019-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (OH)

LVNV FUNDING LLC XXXXXXXX TO WHOM IT MAY CONCERN : I am filing this complaint due to an account that was settled in full and was supposed to be deleted and remove from my credit report for the account being settled in full.The above account was paid yet the account still remains on my credit report. This is a request for a good-faith adjustment to my credit report! my name is XXXX XXXX DOB XX/XX/XXXX. 
I would like to buy a home but this PAID COLLECTIONS IS STILL HOLDONG ME UP!!!
Consumer complaint received 2017-08-23
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. (MD)

Please see attached I have communicated with XXXX XXXX vigorously to have information removed from my credit report. They have now deemed the card to have been opened fraudulently and I ask that each credit bureau review the attachment and remove this account information from my credit report immediately
Consumer complaint received 2024-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

amount owing was XXXX amount settled was {$300.00}. in XXXX payment to XXXX XXXX. 
XXXX was paid XXXX XXXX XXXX was paid XXXX XXXX for XXXXXXXX XXXX
Consumer complaint received 2022-12-01
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. (MO)

I have been requesting that you correct my Credit File from reporting erroneous information and yet you have failed to do so. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}. You claim that these accounts are verified and yet you have not sent me any copies of proof of verification from your investigation which is a clear violation of my consumer rights.
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The company claims to have notified me of the purchase of this debt and my rights, however they mailed the letters to an address I have not used in over 2 years. I never received the required notification in the required time frame
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is omitting a auto loan of XXXX I financed this vehicle in XX/XX/2022, and Transunion 's credit report omits this loan financed via XXXX  XXXX XXXX. That's not fair to me the consumer.
Consumer complaint received 2021-06-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M HAVING ISSUES WITH THE CREDIT BUREAUS CORRECTING MISTAKES REPORTED ON MY CREDIT REPORT.
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current (NV)

On XX/XX/XXXX I made a transfer to my wives account of over {$4000.00} to purchase a car, we both had current accounts but they were both closed from this transfer. It was from a check from my totaled car. They suspended both accounts then closed them saying they were fraudulent activity. My wife 's account had over {$4000.00} in it and mine had over {$1000.00} in it, I do not remember exact numbers. My wife received the amount from her closed account but I have not received mine. I contacted current again and they stated that another check was sent out on XX/XX/XXXX, but yet again I have not received anything. I confirmed the address ( which is below ) XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NV XXXX They stated it would be 14 days but I have yet to receive this check and am now not hearing back from the support department regarding my check.
Consumer complaint received 2022-01-29
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. (FL)

i have been disputing inaccurate information with experian, XXXX, and XXXX  over the last six months and yet the same errors appear on my credit report. every time i dispute these unverifiable accounts, i either get an " updated '' response and nothing changes. 

EXPERIAN DEPT OF EDUCATION is falsely reporting XXXX, 150 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

XXXX XXXX XXXX is reporting inaccurate personal information. delete this from my credit report. 

XXXX XXXX XXXX XXXX XXXX is reporting false late payments and missing payment history for the entire account. also reporting differently to experian. 

DEPT OF EDXXXX is falsely reporting XXXX, 120 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

XXXX XXXX XXXX XXXXs reporting inaccurate personal information and false payment history that's unverifiable. delete this from my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX is falsely reporting XXXX, 120 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

i have attached proof from www.annualcreditreport.com for further review.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I filed chapter XXXX but paid vehical in full, exsperian refuses to add. Exsperian reflects an incorrect high balance, disputed company agreed and exsperian still shows a high balance of more than double than any balance ever put on card. Cost me a more money to get a lower interest rate on a new home loan and prevented me from getting a new credit card. Exsperian will soon be faceing a class action law suit.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP (TX)

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 ; I did not give any written instructions to furnish my account, to these listed consumer report agencies mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : Account names : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2024-03-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO. (TX)

This is about a Chase Bank prepaid card that I have had for 18 years. 
XXXX placed temporary charges for transactions that were not completed. They say to contact the bank to have the charges removed. Chase said that they can not do this. I know that they can.
Consumer complaint received 2022-11-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Affirm Holdings, Inc (FL)

I applied to XXXX XXXX XXXXt for an Educational loan to obtain a course for {$500.00}. I applied partially online and the processed continued over the phone with a representative from Affirm, who is the XXXX Party Company that provides the loans for XXXX. I accepted the loan under XXXX 's advertising, which was : Online access, a program to follow within XXXX and also a book that I should have received within XXXX XXXX. The program also included : Personalized homework assignments, XXXX customizable quizzes, Guidance from a team of XXXX experts, Every official XXXX question ever released, XXXX XXXX of exclusive live and on demand lessons, The HardesXXXX XXXX Question Prep, HIGHER XXXX  SCORE. GUARANTEED or money back and the ability to cancel the program within a XXXX 
I received the materials disorganized, which was confusing. The program was so post to be organized and easy to follow as per XXXX 's advertising and this was not true. Aside from the above, I first obtained access online, but the online access did not work without the book because it was part of a program that had to be follow step by step. I received the book a XXXX XXXX XXXX XXXX later and I noticed the program they advertised was not was I was sold. I called within the XXXX of the purchase to cancel and obtain my money back since it was part of the program and I was informed that in order to obtain my money back I had to call within XXXX XXXX. I explained that this is not what I was told over the phone and that it would be impossible since I received the book later than XXXX XXXX and part of the program was to try it and in order to follow the program I had to have both things ( online access and the book ). I order the educational material in the year of XXXX. I informed them that I was XXXX XXXX XXXX XXXX. My credit report shows delinquencies in XXXX all of the way until XXXX. I paid Affirm {$500.00} and informed them that I had not received the product correctly and I was informed by Affirm that they are not XXXX. I called XXXX and they said that it was a legitimate charge and it was not a legitimate charge since I paid and did not received the product. 
I formally request XXXX and Affirm to investigate, correct the account and my profile, return the money and remove all incorrect delinquencies from my credit.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (MI)

When covid first started I called after and asked for a defferal. I was given a partial payment defferal of XXXX a month. I paid it on time every month. Around XX/XX/XXXX I called because my credit report showed that all my payments were reporting as late for all of the defferal months. They told me that this was a common mistake and they would fix it. In month or two it was reporting as it correctly in deferral and on time. Around XX/XX/XXXX it was back on there again. I called them again and they said they would straighten it out. They fixed it again and it was shown in defferal status, around the beginning of XXXX. I called in end of XXXX for an extension of the defferal. It was supposed to end XXXX. They granted me another defferal for XXXX a month. I went online in XXXX to pay my account on their website. It showed that my account was charged off and the full balance of XXXX and some dollars was due in full. I called them and they said it was nothing they could do but settle, the whole balance for XXXX percent of it. I told them I did not have that kind of money. I also checked my credit report and it showed that I was never in a defferal and all the lates were on there from XX/XX/XXXX. It was showing that I have not paid in over six months. I am also trying to refinance my house because my covid forebearance is ending. I can not due to my credit score and status. My credit score had been over 700 before this. I am bow in the 500s. I also just went on and paid them the full monthly payment of XXXX for the past couple of months on time. They told me that they never agreed to an extended defferal. But I also made the regular payments on time and they still charged the account off and messed up my credit. I have the proof to show.
Consumer complaint received 2022-11-30
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CRESCO CAPITAL INC. (GA)

First off you XXXX XXXX XXXX XXXXXXXX because you never do XXXX and you won't do anything on this one either but the time is coming when I'm gon na be able to XXXX XXXX XXXX XXXX  just like the XXXX this complaint is against. 
This case pertains to Lone Mountain in XXXX, XXXX relating to my semi truck of which I have not missed any payments nor have I been late. Lone Mountain has illegally repossessed my truck. In the month of XXXX I requested a deferment. Typically, deferments are 30 day or until the next payment date. I at first spoke with the rep via phone. The deferment was granted but then they informed me that the payment date was too close so they couldn't process it. I was then instructed to file a stop payment on it. It's documented. I informed the rep that I would resume payment on XX/XX/22 as this was the same day as the insurance payment that their sister company had sold me during this time period. I wanted them both taken out on the same day as I was informed that the billing company was the same. Thus, the deferment was only 20 days. The next thing I know prior to the XXXX I was being sent notices via email that they were repossessing the truck and cancelling the insurance.This is totally illegal, and I am demanding my truck back. The payment for both the truck and the insurance were in my account and I was fully prepared to make the payments as conveyed to the Lone Mt. reps. I will attach email correspondence which confirms the stop payment. By law they are not allowed to repossess my truck under such circumstances. Now they are proposing to auction my truck off. This is discriminating and violates federal and state regulations. There have been other patrons that have requested deferment without any issues. They have no grounds as my payment record will prove. I didn't even receive a mandatory by law 10 day notice prior to their taking it. The term termination letter was sent after they had already repossessed the truck. Moreover they had no grounds to terminate the lease nor repossess the truck. The court hearing is over and there have been no charges or storage. Below is the party that started XXXX XXXX That doesn't however include what they did from XXXX regarding the harness and hacking the computer. 

XXXX Account Manager Lone Mountain Truck Leasing XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

I have disputed the validity of this alleged debt. I have not now nor have I ever been in contract with JEFFERSON CAPITAL SYST. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money ..... '' I am asking JEFFERSON CAPITAL SYST to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations ... .I also demand JEFFERSON CAPITAL SYST to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so