davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-16
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: CREDIT ACCEPTANCE CORPORATION (AL)

Since XXXX I have been fighting with XXXX to remove a fraudulent account from credit acceptance Corp. I took them to court in XXXX and I won the case as they were UNABLE to verify this account! So originally it was on all three bureaus but XXXX an XXXX did remove but XXXX keeps saying that they have verified this account and IT IS mines! But that is NOT possible as I not only took them to court but that also had been garnishing my check and ended up having to refund all of my money that they stole from me! So please help me I have requested the verified info XXXX told me they do not physically verify they take the creditors word an thats ridiculous because I need to know what they are using to get XXXX to keep fraudulently reporting this account it is really hurting my score.
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was trying to buy a house and that's when it was brought to my attention that this damage was on my report. According to 15 USC 1692GB, the agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior. I was not notified. As the original creditor, only I can validate this debt. I did not validate this debt. Therefore, the following accounts must be deleted from my credit report immediately.

Account : XXXX XXXX XXXX  Account # XXXX Amount : {$2500.00} I have no knowledge of this Account Account : XXXX XXXX XXXX Account # XXXX Amount : {$2200.00} I have no knowledge of this Account Account : XXXX XXXX XXXX  Account # XXXX Amount : {$500.00} I have no knowledge of this Account Account : XXXX XXXX XXXX  Account # XXXX Amount : {$13000.00} I would also like to highlight that under Section 623 ( a ) ( 2 ) of the FCRA, the entity providing this information to you has an obligation to correct, VALIDATE, VERIFY, and update relevant information to ensure its accuracy. If they have failed to do so, they maybe in violation of the FCRA and in turn these accounts need to be deleted from my consumer file immediately if they can't be validated and verified.
Consumer complaint received 2019-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NY)

To whom it may concern, On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX ( who took over the XXXX XXXX   XXXX XXXX I originally had my loan with ). As per the service specialist rep I spoke with, I made two separate payments XXXX & XXXX, respectively. On XX/XX/XXXX, I received a check from XXXX foe over payment of XXXX, which I promptly deposited into my bank. When XXXX XXXX took over from XXXX I started receiving bills again claiming I still owe money. I tried to contact them but they did not really look into it they just called to let me know I owe the money even after I explained. I tried to contact XXXX and/or XXXX but they are no longer in business. 
I am attaching a photo of the slip that was attached to the check and the cancelled check from the bank.
Consumer complaint received 2019-09-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Todd, Bremer & Lawson, Inc. (VA)

I am getting calls from " XXXX '' with the Todd, Bremer & Lawson , Inc. law firm in regard to my student loan with XXXX XXXX XXXX College. They have reported an incorrect amount with a balance increased over {$1000.00}. The loan is through XXXX and the loan service is deducting a monthly payment from my account. This company is has been trying to get me to send my loan through another company. My loan is being paid and I have paperwork to show the payment. 

This " XXXX '' person has made threats that it's effecting my credit, which it isn't and it is not on my credit. I have gotten paperwork from them with chicken scratch handwriting. I'm not sure who they are and I called the loan company and they didn't have the so called law firms information.
Consumer complaint received 2019-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (IL)

On XX/XX/2019, my mother passed away, unexpectedly. As she did not have a will and her estate was well under {$100000.00}, I was able to fill out a Small-Estate Affidavit pursuant ot 755 ILCS 5/ART. XXV of the Probate Act, Illinois compiled statutes, as amended by Public Act 98-0836. I had the affidavit notarized at the XXXX County Court House in XXXX, Illinois, on XX/XX/2019. I then took the affidavit to the PNC Bank branch at XXXX XXXX XXXX XXXX in XXXX, Illinois, in order to close out her account so that funds would be available to pay her remaining bills and funeral expenses. The funds, in her account, are as follows : {$10000.00} in checking and {$1100.00} in savings. I was told that the affidavit would be submitted to their legal team for review and the funds would only be released once approved. I waited until XX/XX/2019 to contact the bank again as I had received no response. I was told that the affidavit needed to be updated to include the exact amount of money in each of her accounts so I did as instructed and submitted an newly notarized copy to the PNC Bank branch XXXX XXXX XXXX XXXX, XXXX, Illinois, on XX/XX/2019. I waited until XX/XX/2019 and contacted the XXXX branch as I had still not received any communication from PNC and was told that the documents were still under review. I then contacted PNC Bank on XXXX ( as I could find no other way to contact them ) and was told I would hear something within two days but as of XX/XX/2019, I have heard nothing. In the meantime, my mothers accounts are accruing late charges and I am unable to even purchase a headstone. This is unsatisfactory and I feel PNC Bank is unlawfully holding her accounts in violation of 755 ILCS 5/25-3 ( recovery upon refusal to pay or deliver ). I would seek the assistance of an attorney, however, I am unable to afford such.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi XXXX keeps posting studendent loan debt that was closed and paid as transferred. The debts that are paid and closed is the same debt they have open with the amount list and saying transfer. This is really affecting my score and Im fussy on social security Ive tried getting apts etc and denied I need them to verify these open or closed student loans that was consolidated yrs ago and paid and updated their re its
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Hi Equifax keeps posting studendent loan debt that was closed and paid as transferred. The debts that are paid and closed is the same debt they have open with the amount list and saying transfer. This is really affecting my score and Im fussy on social security Ive tried getting apts etc and denied I need them to verify these open or closed student loans that was consolidated yrs ago and paid and updated their re its
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I contacted Mitchell d. Bluhm on XX/XX/XXXX and advised that this debt was part of a bankruptcy, case # XXXX and it should not be reported or collected on any longer.
Consumer complaint received 2021-07-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TN)

I got this loan in XXXX they are threatening me and saying if I dont pay {$700.00} by the end of the month they will take me to court. It has been way over 7 years it was a pay day loan and it is no longer on my credit, can they take me to court. I know if I agree to pay them it will open the account back up
Consumer complaint received 2019-01-02
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. (DE)

Experian will not help me during disputing FALSE information on my credit report. I am registered with XXXX XXXX XXXX XXXX, a credit counseling company for the last 3-4 years. I pay on time every month, yet on my credit report these 7 accounts show as closed / charged off / and no current pymts for last few years. I am being denied mortgage refinance and car loan because of these False lies. Can you help me!!! Experian has no working telephone number that lets you reach a live customer service rep. I don't think its fair they can put false info, avoid reporting I pay on time every month for last several year on my report ans show. One example of the 7 accounts is below so you can see all 7 are  the same with different accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account was in dispute-now resolved-reported by subscriber Charge-off Balance {$0.00}
Consumer complaint received 2019-09-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$620.00} DateUpdated : XX/XX/XXXX Original Amount : {$620.00} Original Creditor : XXXX XXXX XXXX ( Rental/Leasing ) Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX The account is scheduled to be removed from my credit report in XX/XX/XXXX. 

I filed a new investigation the account on my Transunion Credit Report in XX/XX/XXXX, but the dispute came back as already verified. When, where, how, the account was verified is not included. The account holder, nor Transunion have not supplied me with any supporting documents from the company about the account. To simply state the account has previously been verified is not a new investigation, nor is it proof of debt. The debt is far past the 3 year statute of limitiations in both North Carolina ( the state where the account was held ) and South Carolina ( the state in which I currently reside ).

Transunion says that I may leave a statement on my credit report, but there is no active links to do so. I am continuously rerouted to my previous dispute. I am not sure how else to proceed.
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (CA)

On XX/XX/2023 I sent out an Investigation Request Letter to EQUIFAX by way of The United States Postal Service. Dated XX/XX/2023 Time XXXX with a Tracking # XXXX XXXX XXXX XXXX XXXX XXXX I requested a through investigation be done in regards to inaccuracies on my report and I requested to be provided with original contracts and documentation of the accounts named XXXX XXXX XXXX XXXX XXXX XXXX  I also asked if the accounts are not 100 percent accurate ; through 15 U S.C. Sec. 1681i ( a ) that they be deleted. 
I was never provided any original documentation nor a response within 30 days
Consumer complaint received 2019-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Portfolio Recovery, LLC (NC)

XXXX XXXX XXXX is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681 ( i ) and 15 USC 1692 ( a ) ( 5 ) there is no debt. This collection is not this consumers account.

This assumed debt was charged off after an internal credit in the amount of the loss in order to zero out the balances and close the account. The loss balance is then transferred from the Internal Active System to the Internal Collections System which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been zeroed out and the contract has been satisfied.

This consumer is only responsible for the zero account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then XXXX XXXX XXXX  has no claim.

I hereby irrevocably refuse to consent/contract to XXXXXXXX XXXX XXXX agency because there is no law required for this consumer to do so. Until XXXX XXXX XXXX agency can provide a lawful authority by which this consumer is subject to comply with submitting to XXXX XXXX XXXX or jurisdiction in violation of my rights to be free of involuntary servitude.

This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) XXXX XXXXy is hereby warranted to Proof of Claim in Arbitration.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (VA)

I send a dispute letter for an inquiry that was on my XXXX report to PAYPAL via SYNCBPAYPAL on the XXXX of XXXX but it came back undeliverable. I use the address on my report which was XXXX XXXX XXXX XXXX, MD XXXX. 

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( XXXX XXXXXXXX. XXXX ) I have not initiated any transaction with PAYPAL via SYNCBPAYPAL. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with PAYPAL via SYNCBPAYPAL for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2023-10-08
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. (TX)

XX/XX/, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 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.

According to 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 2019-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

PORTFOLIO RECOVERY, LLC is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681 ( i ) and 15 USC 1692 ( a ) ( 5 ) there is no debt. This collection is not this consumers account. 

This assumed debt was charged off after an internal credit in the amount of the loss in order to zero out the balances and close the account. The loss balance is then transferred from the Internal Active System to the Internal Collections System which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been zeroed out and the contract has been satisfied. 

This consumer is only responsible for the zero account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then Portfolio Recovery, LLC has no claim. 

I hereby irrevocably refuse to consent/contract to Portfolio Recovery, LLC agency because there is no law required for this consumer to do so. Until Portfolio Recovery, LLC agency can provide a lawful authority by which this consumer is subject to comply with submitting to Portfolio Recovery, LLC or jurisdiction in violation of my rights to be free of involuntary servitude. 

This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) Portfolio Recovery is hereby warranted to Proof of Claim in Arbitration.
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (TX)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00} ) ( DP OF EDUC Date Opened : XX/XX/XXXX Amount : {$47000.00} ) ( DP OF EDUC Date Opened : XX/XX/XXXX Amount : {$43000.00} ) ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00} ) ( XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX US SM BUS ADMIN ODA : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX )
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/07 I noticed I had fraudulent activity on my account. Someone called acting as me and filed 2 disputes stating I was overpaid by {$990.00}. When I noticed this, I immediately called the bank and noticed that their level of security when calling in is slim to none and anyone can retrieve the required information that they are asking for. Which is account/debit card number, name and street address. I felt like this is the reason why someone was able to fraudulently call and act on my behalf. I asked that more security levels be added onto my account which I was asked a series of questions and gave answers to. When I called back in to check on the status a couple of days later, they asked the same 3 questions with none of the extra security questions being asked. 

Chase is making it very easy for scammers to call in and act on behalf of valued customers. I am now out {$1900.00} due to this lack of security. I should feel secure in the place that I trust to hold mine and my families financial lives in.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXXXXXX In accordance with the fair credit reporting act the company name has violated my rights 15 u.s.c 1681 section 602a states I have the rights to privacy. 15 u.s.c 1681 604a.section 2 It also states a consumer reporting agency can not furnish a account with out my written instructions.