davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AR)

Starting in XX/XX/2021, I started disputing these unknown accounts with all Three ( 3 ) credit bureaus. I would receive notification that the accounts were " verified as accurate and updated '' These accounts do NOT belong to me. The original debt was with XXXX, and sold to Jefferson Capitol System. When I dispute, Jefferson Capitol sends me an offer to pay and delete. I sent a Method of Verification, and instead of sending me what I requested, they again sent me an offer to pay and delete. 

The XXXX XXXX account does NOT belong to me, and I have no knowledge of this account either.
Consumer complaint received 2022-01-09
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. (IN)

I have been filing disputes with the Consumer Credit Agencies, and to no avail, I am still plagued with the same problem. Experian has been grossly negligent in validating the debts from several companies listed on my Consumer Credit Report. The information shows to be inaccurate and incomplete. I will attempt to keep each situation separate by filing separate complaints. I have not witnessed the section on my Consumer Credit Report that is listed as, " investigative consumer report '' whereas information on my character, general reputation, mode of living or personal characteristics are obtained through interviews with neighbors, friends, family and those who have first-hand knowledge on any of the negative accounts listed on my Consumer Credit Report ( 15 USC 1681a ( e ) ). I will start with the first complaint, listed on my Consumer Credit Report under XXXX XXXX XXXX XXXX XXXX This account is shown to be account number XXXX, a closed account with no open date listed, it is showing the address of XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX. NO PHONE NUMBER LISTED FOR ME TO CALL. The credit report account says, " 1 'potentially " negative month '' and a red 'C ' for XX/XX/2019. The original creditor isn't listed, and the amount listed is for XXXX. The credit report also reflects that this account was, " paid, was a collection account, insurance claim or government claim or was terminated for default ''. This listing sound to be unsure, as I am not sure who this company is listed. Please validate the alleged debt, as I believe them to be debt parking on my Consumer Credit Report under the guise of the US Department of Education, but a debt collector. I am unaware of this company listed, please have this company to verify their name, not who they were attempting to collect on an alleged debt for. Please advise this company that I am requesting a validation and proof of claim for them on this alleged debt.
Consumer complaint received 2018-04-25
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: Santander Consumer USA Holdings Inc. (NC)

I had a previous error on my credit that I was unaware of. I only discovered this error after being denied several times for loans. I had that issue resolved, but the resulting inquiries are still on my credit and have done nothing but cause more denials in credit since excessive inquiries hurt quite a bit. As a business owner I can't have these issues, especially since they are a result of a previous mistake. And the process to contest inquiries is made nearly impossible by the credit bureaus system. Thank you.
Consumer complaint received 2018-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation ()

I sent out a letter to XXXX XXXX  back in XX/XX/2018, to try and settle on an account. Well I actually have 2 accounts that fall under them, but 2 separate companies. Anyhow. I wanted to settle one account for a certain $ amount and have them update my credit report. The original amount on this particular loan was {$510.00}, and I wanted to settle for {$250.00} if they would delete or update my credit report.

I have received notification that they received my letter, but never received a letter or even a phone call from them to try and settle the loan. I have been with this company for a few years and have not had any problem with the previous employers until the manager transferred to a bigger location and some younger kids took over. They never sent me anything to settle or nothing. I mean if they had tried to reach out to me to settle this debt, I would have.
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (OH)

I noticed a collection that was placed back onto my credit file after previously being removed the company is reporting negative information on my credit file and was yet to prove that i do in fact owe this alleged debt and i want it removed off of my credit profile immediately
Consumer complaint received 2022-05-06
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: Experian Information Solutions Inc. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (FL)

I have recieved a letter from a debt collector, and I responded with a debt validation letter. My requests for informatioin on that letter were ignored. The company continues to attempt collections with out verifying the debt to my satisfaction. I have attached the letter I responded to their initial contact with me informing me of an alleged debt. 

In the response I got from this collector, they did not proved documentation proving this debt is mine. ie. contract between me and the alleged creditor ; nor a signature that would show me entering into an agreement or plan. 


They did not indicate if they are licensed in the State of Florida
Consumer complaint received 2022-05-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (GA)

My mother added me to her bank account as convenience, because she had a XXXX and was XXXX. She also has XXXX XXXX XXXX. I did not put a dollar in her account and I don't spend from her account unless I'm doing something for her. However, Truist has placed a levy/garnishment for child support that I don't owe. Moreover I was NOT served with the garnishment notification from Truist. I received a call from my mother on XX/XX/XXXX stating she received some paperwork from Truist " with all your personal information including your social security number, and your child support account number. '' I belive the letter was dated XX/XX/XXXX but mother didn't receive it until XX/XX/XXXX. My mother lives in Florida and I live in Georgia. I didn't receive any communication from Truist. I would not have known if mother didn't tell me. I called Truist to find out why my mother 's account was garnished and I was told to call the child support office. I asked why I didn't receive anything from Truist about the garnishment, again I was told to call the child support office. I asked why my private information, including documents from the court, and my social were sent to my mother instead of me but I was told to call the child support office to find out. Truist has essentially refused to give me any information about what happened. My mother didn't know my social security number and she didn't know my child support account information. In fact I asked my wife to call the child support office in the past, and they wouldn't provide any information without my consent. What makes it worse, is that Truist pays my child support from another checking account with my wife. So if I owe {$690.00}, it means Truist hasn't been paying the money that they remove monthly. My wife paid it via bill pay, and Truist sends a check to the child support office each month. To conclude, Truist has violated my privacy by sending my private information to my mother instead of me. Truist is refusing to answer valid questions, and Truist did not notify me of the garnishment.
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-06
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number XXXX XXXX 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 2022-05-06
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: CCS Financial Services, Inc. (OH)

I noticed a collection that was placed back onto my credit file after previously being removed the company is reporting negative information on my credit file and was yet to prove that i do in fact owe this alleged debt and i want it removed off of my credit profile immediately
Consumer complaint received 2022-05-06
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. (GA)

1. XXXX XXXX XXXX XXXX XXXX for NC 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

See Page 10 of first attachment and See Page 1 of dismissal from court
Consumer complaint received 2015-07-15
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RMS-Recovery Management Services, Inc. (NC)

I just spoke with Recovery Management Services and inform them that XXXX University XXXX did receive the full payment of {$2000.00} as of XXXX XXXX, 2015 with debit / credit. They are going to check with their accounting department and follow up with you with the payment
Consumer complaint received 2021-11-06
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. (IN)

I had an auto loan with XXXX XXXX XXXX XXXX that was closed and written off with a balance of {$3300.00} as of XX/XX/XXXX. XX/XX/XXXX I tried to get this old loan take off of my credit report. XXXX XXXX XXXX XXXX then increased my balance on a closed written off auto loan to {$4200.00} as of XX/XX/XXXX. This is fraud. You can't increase the balance on a closed account. I disputed this information with Equifax and nothing was changed on my credit report. Please fix this is fraud.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (TX)

XXXX, XXXX AND XXXX XXXX ARE STILL SHOWING ALL MY DEPT. OF EDUCATION/XXXX LOANS AS OPEN WITH BALANCES WHEN THEY WERE ALL APPROVED BY THE DEPT. OF EDUCATION ON XX/XX/2021 TO BE 100 % DISCHARGE.
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX has violated my rights. 

XXXX  XXXX Account # XXXX has violated my rights. 

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 2022-05-06
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. (CA)

This complaint is for both Equifax and XXXX Banks with whom I had a XXXX XXXX XXXX back in XXXX. I opened the account kept it in excellent standing, and after paying the card off the next year I closed it. It remained on my Equifax credit file as and account in good standing until XXXX. 

In XXXX, XXXX bank sent me an email saying I should call them and update my mailing address. When I called I was told that the closed account had a positive balance and they said they would mail me about {$40.00} to the updated mailing address I had just given them. I never received the check. Around this time I also noticed that XXXX was only updating the status of that account to Equifax and not the other two credit bureaus. I called XXXX and they said that they would reinsert them to the other files. 

In XXXX I saw that on my Equifax file XXXX had done a hard inquiry, which I did not feel was necessary or justified since I no longer had an open account with XXXX and since it negatively impacts my credit score. 

In XXXX of this year XXXX sent me a strange letter saying that they investigated my claim ( which i never asked for ) and found that the account was not opened by me ( it was ). The rest of the letter detailed how they would remove it from my credit and shut down the closed account. Today on XX/XX/2022, I called XXXX and told the file m in no uncertain terms that the XXXX XXXX account wa opened by me, paid regularly and paid off and then closed by me. They told me that Equifax disputed not the inquiry, but rather disputed the legitimate account on my behalf and therefore they could not reinsert and suggested I call Equifax. 

A series of bumbling errors have been made by both companies and the end result is that is detrimental to my credit file. The XXXX extras card was opened by me, is mine and as such I have a right to not have it disputed without my permission as there is no error in its reporting.
Consumer complaint received 2022-05-06
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX has violated my rights. 

XXXX  XXXX Account # XXXX has violated my rights. 

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 2022-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

- On XX/XX/2022 I completed set up of a wire template from Chase to XXXX. 
- On XX/XX/2022 I initiated a wire transfer for XXXX usd from chase to XXXX using the approved wire transfer template. The transaction was rejected same day. I confirmed with XXXX  that the rejection had not come from them. Chase refunded the money to my account with no warning, no explanation, no message, and no indication of why it was rejected. I assumed I filled something out wrong ( even though I was fairly confident I hadnt ) and resubmitted, carefully following the template provided by XXXX and inputting all info into the chase form. I resubmitted same day. The money was withdrawn promptly ( as expected ) along with the {$25.00} transfer fee. 
- XXXX no update. Talked to XXXX they still had nothing from chase. At the end of the business day I received a canned response message from chase saying there were processing delays. I contacted chase for more info. 
XXXX no update. I received a response saying I should contact the fraud department. I asked how it could be fraud when I was using the approved form set up weeks in advance? No response. 
- XXXX still no update, no response, and now Im out XXXX $ plus the {$25.00} wire transfer for a transaction that never happened. I would have just done a regular transfer if I had the time to wait. 
- Chase has been generally unhelpful and slow to respond with most things. I believe they are having issues unrelated to myself and my account, and that me and many others are likely being negatively impacted by poor financial decisions by the institution to over leverage themselves as documented in the most recent Quarterly Report on Bank Trading and Derivatives Activities from the XXXX. 
- I am concerned that if I try and move money to another institution I will have more problems.
Consumer complaint received 2022-05-06
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)

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX, and on XXXX the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my XXXX Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof and there is no middle name or initial in my name. I have always lived at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, never at any other address on my credit report. I have attached a copy of my Bill/DL/SSC for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the XXXX Police Report of proof of my identity theft.
Consumer complaint received 2021-11-06
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: HW Holding, Inc (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (TX)

I received a robo-call from a local number ( XXXX ) XXXX which directed me to call a different number ( XXXX ) XXXX. 

The person on the other end was attempting to collect a debt from my wife on behalf of XXXX and XXXX, and they gave the last 4 of her social security number to identify her. They said she owed on a debt from Cash Net USA and wanted to settle the debt, however that debt was taken care of 2 years ago. 

I knew it was a scam and informed them as much and they replied that if they wanted to scam me or my wife they had our full social security numbers to use if they wanted. 

I looked up XXXX and XXXX on XXXX and there is a very basic web page describing the business amd the number was different from the ones I was dealing with. I called to inform them someone was using their name to collect debts illegally but nobody picked up, I left a message. They may not even be real either.
Consumer complaint received 2022-01-09
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. (IL)

i asked XXXX if they could cut down on number of hard inquirys on credit report they told nothing they could do about it because it was factual when guy i called in XXXX just checked my credit without ne asking him to do so or him asking me
Consumer complaint received 2021-11-06
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: CL Holdings LLC (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.