davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
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: The Receivable Management Services LLC (IN)

A company called Receivable Management services LLC is calling me and has sent me a statement for collection of debt which is not mine. I notified them via certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX ) and told them this is not my debt. This morning I have been receiving calls from this company. They have disregarding the the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq law which allows a consumer to challenge a debt by showing proof that this debt is actually mine. The debt is from XXXX XXXX XXXX account # XXXX which I have not purchased anything from. I do not have any XXXX credit cards nor have I bought anything from XXXX. Secondly, XXXX XXXX XXXX has actually been sold to another company called Transform because XXXX actually is in an active bankruptcy ( Case number : XXXX - XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX If this debt was actually valid, a company appointed by the XXXX XXXX ( receivership ) would be the party collecting any debts owed to XXXX on behalf of the XXXX XXXX. Clearly RMS is not involved with this matter and is trying to collect monies that are not owed. RMS is trying to collect {$1800.00} for something I have not bought or been extended credit for. I have not been provided anything to support RMS is entitled to anything but violating the Fair Debt Collection Practices Act. RMS has clearly not followed the Federal law in which I am entitled to as well as the practiced mentioned in the attachment from the Indiana Attorney General 's office.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I have reached out to XXXX 3 times in the last 7 months 1. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I explain to the customer service representative my situation that they are still reporting on my credit report but they tell me that ( they have no record of me in their system ). My lone was transfer to another lone company, but it still show open on my credit report with XXXX I have asked them to remove it, and to get connected to their credit department, but just get hung up on ever time.
Consumer complaint received 2022-04-06
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 — Was not notified of investigation status or results
Company: CURO Intermediate Holdings (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : SPEEDYCASH.COM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/2022 Re : Account Number XXXX
Consumer complaint received 2022-08-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (CT)

I am having problems getting a notification from Truist Bank located in XXXX, NC. I had a car loan through them but the car was totaled. XXXX paid them {$20000.00}. I am now working with my GAP coverage and they want a paper from the bank listing my payments and outstanding balances. I have requested this several times, they told me it would take 5-7 business days, heard nothing, called again, they said it is 5-10 business days. Still heard nothing. They claim they are backed up. But they told me I could go to a Truist bank near me and they could run the paperwork for me. I told the if it's that easy, why are they holding me up? The accident was on XX/XX/2022, it is now XX/XX/XXXX. I don't understand this holdup. It is affecting my credit as the bank wants a payment on the {$6200.00} remaining balance and I refuse to pay it. Can you help?
Consumer complaint received 2022-07-27
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)

XXXX XXXX XXXX  is unlawfully furnishing a charge off on my consumer report with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. My Rights to privacy as a consumer were violated nor did i give written Instructions to do so, Which are Both required by Federal Laws. I would Like for my consumer report with all 3 Credit reporting agencies reflecting the collection removed and updated to my report as Paid as agreed. Original assumed Creditor : XXXX XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX  has violated my Consumer rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 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 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Violation of The GLBA ( Gramm-Leach-Bliley Act )
Consumer complaint received 2022-07-27
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. (CA)

XXXX XXXX XXXX  is unlawfully furnishing a charge off on my consumer report with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. My Rights to privacy as a consumer were violated nor did i give written Instructions to do so, Which are Both required by Federal Laws. I would Like for my consumer report with all 3 Credit reporting agencies reflecting the collection removed and updated to my report as Paid as agreed. Original assumed Creditor : XXXX XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX  has violated my Consumer rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 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 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Violation of The GLBA ( Gramm-Leach-Bliley Act )
Consumer complaint received 2022-07-27
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00}
Consumer complaint received 2022-07-27
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: JPMORGAN CHASE & CO. (NY)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law
Consumer complaint received 2022-07-27
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00}
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On dates XXXX, XXXX, I mailed each of the XXXX bureau disputing this inaccurate, information on my credit, The addresses were deleted but the public record related to this dispute still stand, I even took it upon myself to mail the court that the Bureaus say they are verifying this information with. The court response is included a long with a address that is not mines on the XXXX, I am filling a complaint to get this inaccurate information removed from my credit. I was not notified on how this item is verified as mines on each of these responses. This is violating the FCRA.
Consumer complaint received 2022-07-27
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. (FL)

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
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)

Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 section 602 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 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.

Due to these violations I have a right to sue per violation.
Consumer complaint received 2022-07-27
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)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-07-27
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. (NJ)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2018-05-24
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)

XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This item was return XX/XX/2016 and the company have been reporting recent late payments on my account XXXX My student loan are in deferment and is being reported late
Consumer complaint received 2021-07-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

Coinbase.com ( company ) promises {$5.00} in bitcoin when opening a new account. 
I opened an account in XX/XX/2021. As of today, company has not delivered on its still advertised signup bonus. 

Company has been contacted repeatedly but did not offer a valid explanation on its refusal to comply with its policies. My account is verified ( see screenshot ), active for trading ( see screenshot ) and not a duplicate.

Company has stopped responding to emails on this subject ; open cases on this issue are now immediately closed without notice. Emails available upon request.
Consumer complaint received 2021-07-13
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: Experian Information Solutions Inc. (FL)

XXXX was a settled account back in XX/XX/2021 after numerous attempts and uploading proof and requesting the information to be blocked since XXXX  would constantly furnish innacurate information. i proceeded to request that they ( credit reporting agency ) respect and abide by the FCRA and they refused. even after having proof that the items had been paid, receipts and settlement paid letters as proof and account closed. numerous times i was dealt with bias and refussa to uphold the law. i am requesting that the item be blocked from further reporting on my credit file since they are unable to furnish a truthfull accounting of this debt.
Consumer complaint received 2022-07-27
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. (NJ)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have already reached out once to Experian & XXXX about the 2 following accounts : 1. XXXX XXXX XXXX - {$450.00}. This account do not belong to me.

2.XXXX XXXX XXXX- {$12000.00} account does not belong to me.

they response debts were verified - well according to the : Fair Debt Collection Practices Act -Section 809. Validation of debts : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account ( s ) listed above. 

Under the FCRA, unverified, invalid accounts must be removed.