davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (IN)

National credit system XXXX XXXX XXXX {$4500.00} XXXX Initial call me to inform me of this debt. The reps stated that if I pay 50 % before XX/XX/XXXX I will be a pay and delete. I asked him if I can not find the funds within that timeframe and if the company offers the same thing in the future, will it be paid for delete. He stated yes XXXX Initial call me to inform me of the same offer. This time he stated that he never said that on XX/XX/XXXX. I asked for the voice recorder from our calls to confirm it. He got very angry on the phone and send me to his manager 's voice-mail. Left a voice mail, and never received a callback. 

XXXX initial call me for the same package deal. Told him that I waited for the voice recorder from XXXX to confirm that he told me that I can pay {$2200.00} for payment for deletion. Once again, he got very aggressive on the phone and send me to the manager. Spoke to him briefly because he immediately hang up on me when I tried to speak to him on a civil matter. I'm just trying to request the recorder from our previous conversation to confirm what has been told to me. They're being hostile and I want to resolve this matter and move on.
Consumer complaint received 2022-06-20
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXX 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 2018-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meridian Financial Services, Inc. (TX)

I paid off my timeshare loan ( {$2100.00} ) with XXXX XXXX XXXX, in XX/XX/XXXX. I got a letter confirming my payoff. As well as a share from their company stock, also confirming my payoff. They called it a " confirmation certificate '. 

In XX/XX/XXXX, I sold my XXXX XXXX membership to a different timeshare company. I filled out the proper documentation for the " owner transfer '' with my new company. The following year, XXXX I get a statement that my yearly maintenance fee had been applied to my account with XXXX XXXX. I immediately contacted both XXXX XXXX and my new timeshare company ; The new membership company stated that they had followed the proper process of transfer. XXXX XXXX stated they never received any documentation from them. XXXX XXXX then sent me documentation to fill out and explain what had happened and to close the account. I filled out and sent it back to them. A few months later I started to receive phone calls from XXXX XXXX stating I was late in paying my maintenance fees. I again explained the situation, sent the copies of the documents I had previously sent. I didn't hear anything back from them for years. Up until I recently, XX/XX/XXXX, checked my credit report and saw a report from XXXX XXXX XXXX XXXX and found that it was from XXXX XXXX XXXX. The amount that they report is nothing more than the fees they applied. Nothing to do with my loan obligation. 

I satisfied my loan obligations with XXXX XXXX XXXX. It's unfortunate that both companies didn't do their due diligence and follow through with closing/transfer of the account and now I am the one being affected negatively with this information on my credit reports.

Also, just a quick observation, I wouldn't have been able to sell my timeshare to my new timeshare company if it wasn't paid in full by me.
Consumer complaint received 2018-11-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

Hello, On XX/XX/2018 i paid the last bill issued by financial and after calculating the fees in total i found out i paid extra XXXX $ They supposed to refund this amount to me by XXXX I tried to call them but every time i speak with an company representative they keep telling me that they issued the refund and i will receive it in 15 days The problem is they keep telling me this every week " we issue the refund and you will receive it in 15 days '' Last week i called and i asked them to send me the receipt witch show s that  they indeed send the refund but they refuse to do that witch means that they didn't send nothing at all today my wife called them again and they say they will issue the refund and we will receive it in 15 days every time we call they sell us same story we issue the refund today and you will receive in 15 days Thank you for reading this complaint
Consumer complaint received 2023-03-26
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Your investigation did not fix error in my credit file. I have informed you already that my report contains accounts that results of identity theft. Please do you reinvestigation and notified me of the result. After your investigation and corrections I want an updated credit report that negative items removed and deleted from my file.
Consumer complaint received 2022-07-13
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: Park Hill Holdings (NC)

XXXX XXXX on my XXXX XXXX, XXXX, XXXX are not accurate. my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. I never lived at another address in the past 10 years. my name is : XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX I XXXX ALSO KNOWN AS : XXXX, XXXX, XXXX DATE OF BIRTH : XXXX XXXX XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX / XX/XX/XXXX / PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX EMPLOYER : MILITARY XX/XX/XXXX RETIRED XX/XX/XXXX XXXX XXXX XXXX XXXX NY XX/XX/XXXX RETIRED XX/XX/XXXX MILITARY XX/XX/XXXX RETIRED XX/XX/XXXX XXXX XXXX/
Consumer complaint received 2018-11-20
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. (OH)

The statute of limitations has passed for the PAID debt listed by XXXX XXXX   XXXX and reported by Experian on my Experian credit report. Experian has failed to take any action on a previous dispute about the same PAID debt.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

I paid off my Chase Southwest Credit Card Ending in XXXX for {$10000.00} on XXXX XXXX. I was told on a phone call on XX/XX/XXXX at XXXX CST for 6:07 seconds that the account was closed, paid in full, and no further payment were needed as the account was in good standing. See attached documents proving the card was paid off in full. How can there be late payments on the account if theres a balance of XXXX? Somehow there are now late payments from XX/XX/XXXX to XX/XX/XXXX. I asked XXXX and XXXX to verify the account and they deemed it accurate. My credit report of XXXX XXXX XXXX are still showing these inaccuracies. According to USC 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. 

Thank you for hearing my complaint and I look forward to hearing from you soon.
Consumer complaint received 2022-07-26
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)

Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (VA)

On XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX, I submitted disputes letters to Equifax XXXX in order to investigate and delete hard inquiries on my account. My account reported several duplicate hard inquires which negatively affected my credit report. 

Within a few days, Equifax sent results stating this information was factual. After contacting the creditors/lenders, I was informed that they would be happy to remove unauthorized inquires once i dispute these inquires with Equifax. After contacting Equifax again, i was informed that i needed to call the lenders again and submit a XXXX dispute. 

In my conclusions, it is clear Equifax ( XXXX XXXX XXXX XXXX GA XXXX ) is not doing a proper investigation with the lenders/credit lenders. Equifax is providing inaccurate information without doing their jobs and thorough investigations. 

Please assist me as i wish to have inquires removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I received a letter from XXXX XXXX XXXX stating that they are collecting a debt on behalf of XXXX XXXX  who has the original debtor, XXXX XXXX with a balance of {$790.00} that is supposedly owed by myself. I have not had XXXX XXXX   since XX/XX/2009and the account I have now with XXXX XXXX is open and paid monthly. This company must be a scam. I do not have a debt from XX/XX/2009. This is past the statute of limitation as well. This company is harassing.
Consumer complaint received 2019-09-04
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. (FL)

XXXX XXXX XXXX  XXXX XXXX XXXX Powered by TRANSUNION. 


In less than 30 days, Transunion Credit Reporting perpetuated a massive 129 point reduction into my credit score for no apparent reason. Furthermore, Transunion seems to have erased all of my past credit history. My Wife and I are retired XXXX  Employees from the XXXX XXXX XXXX. We have always maintained a good credit standing as XXXX & XXXX   clearly illustrate that. We have contacted the Transunion Consumer Dispute office, but they proclaim that their reporting is accurate by their criteria and told us there is nothing they can do to further assist us.
Consumer complaint received 2019-09-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Simpson Law Firm, P.A. (MS)

I was contacted via summons ( Civil Action Number XXXX ) by a company that I have never agreed to do business with, Simpson Law Firm, located at XXXX XXXX XXXX, XXXX, MS XXXX. According to the summons, Simpson Law Firm is collecting a debt on behalf of XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, MS XXXX. I responded to the summons with the attached letter. I've also attached a letter of the summons.
Consumer complaint received 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

Mr. Cooper Mortgage company has received all my payments since XX/XX/2019. On XXXX I received a notification that say I did not make my payment for XXXX. 
I contacted their costumer service and emailed them the copy of my electronic payment through XXXX  XXXX XXXX. They didn't clear the records so I called again and they request I mailed a copy of my bank XXXX statement as a prove of payment. I emailed and mailed the copy of my XXXX Bank statements showing my payments cleared. Since no changes in my balanced were shown I called again and then they request a copy of my XXXX statement to prove the payment was not returned or decline. I sent the copy of my XXXX statement that proves my payments for XXXX and XXXX had cleared the bank and had been cashed by Mr. Cooper Mortgage company. 
Then they say they need to make a phone call to the bank with me on the phone to prove the payments. I agree to this but the called has never been made by their representative. In the mean time I keep receiving mailing with late notice and no payment from Mr. Cooper company and threats to send my case to a collection agency. 
I have been in contact with their Escalation Specialist Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX, He has no been of any help. 
I dont know what else to do to protect my credit record. I have done nothing wrong. Help! 
You can contact me by phone or email if you need any documents.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (NY)

on XX/XX/XXXX at XXXX XXXX, I went to a check cashing place to cash my paycheck and added {$500.00} from a {$600.00} paycheck to my pre- paid NetSpend Card. I used the card to purchase a one nights stay at a local hotel. The same night, I tried to use my card again at a local drug store ( XXXX XXXX XXXX but it was blocked. When I reached out to the company today XX/XX/XXXX at XXXX XXXX, they said my card was being restricted ( without any reason why ) and stated that I needed to provide a receipt from the check cashing place as well as my ID and Social Security Card. I told them that I had two of the three items they requested ( the receipt and drivers licences ), but I would have to apply for a social security card so that I could get my card re-activated and would not have any access to my money until then. Furthermore, my card being blocked in this way was a huge inconvenience as I would be without funds that I needed. I had at least {$410.00} on my card and I need it back. I do not want to use this pre-paid card service ever again if it is intended to cause these issues and inconveniences.
Consumer complaint received 2022-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (CA)

+++++ ATTENTION XXXX XXXX +++++ XX/XX/2022 at XXXX I received a call from XXXX XXXX. I asked if she was a debt collector and she refused to state if she was a debt collector. XXXX would only state she was a third party representative for Trans World. XXXX was calling me at a inconvenient time while i was working. XXXX used used of obscene or profane language while asking questions that made very uncomfortable and caused me a great deal of XXXX  XX/XX/2022 around XXXX I received another call from XXXX XXXX XXXX I told her not to call me asking for money that I do not owe her or the company she works for because I am not in contract with her company. I told XXXX XXXX she caused me a great deal of XXXX  from her previous call on XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX then transferred my call over to her supervisor XXXX XXXX. I told XXXX to place me on the do not call list. I then asked for the name of the CEO of the company she works for. After XXXX provided the name of the CEO ( XXXX XXXX ) I asked XXXX if she was familiar with Familiar with the Fair Debt Collections Practices. XXXX XXXX said " yes I am ''
Consumer complaint received 2018-11-20
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. (CA)

CFPB please refer to case XXXX XXXX XXXX AS I stated with fact evidence from themXXXX that they could not show that the account was made or used by me. TransUnion in you stall tactics You state contact company please be advised that any and all documentation is kept and forward to the CFPB and the OCC You state contact company how about you contact company and investigate this you are in violation of FCRA 623,611And FDCPA 806 { b } you reporting information that you TransUnion can not confirm as factual but reporting of this account just like the company can not show any evidence I made or received any thing from them you have the documents I sent to you throught the OCC and CFPB showing this .CFPB my request from TRANSUNION show there investigations { even there Past investigations } in writing they make the claims but show nothing ever false reporting is just that false reporting and is a violation in its self. This is extortion. yes extortion on transunion and there company XXXX when will we get any actual facts and not just double talk or stalling .I dont think it will take you any time to show your facts you have on record now REMOVE THIS ACCOUNT THAT IS NOT MINE
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions