davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Acceptance Corp (OR)

I had a vacuum cleaner company that came to my house and have me buy a vacuum cleaner, I hesitated, but they insisted I should use the vacuum cleaner and send payment to them, I had been paying them, and then I lost my job, and also seen that they vacuum cleaner was over prized, but I still paid them until I could not pay them any more because the vacuums cleaner price keep going up. And after sometime I was sued and taken to court by a certain company I did not know was not the vacuum cleaning company I used to make payments to too, and a judgement was entered in thousands of dollars. I tried to explain that the vacuum does not cost that much and that I have been making my payments but to no avail, now I can not not refinance my home, and my credit is ruined, I have a XXXX year old mother and I can not take care of her because I can not take out money from my house to help her.
Consumer complaint received 2021-07-15
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I reached out to Experian regarding an item listed under XXXX XXXX, which reflected a delinquency dated back to XXXX. This has exceeded the reporting timeframe of 4 years allotted by the state of California, I explained to the representative the FCRA guidelines for California, and he indicated that it is 7 years and that he would not assist me any further, and disconnected the phone. 

This item remaining on my credit is very damaging, I am a military service member who was on XXXX XXXX  our country when this matter occurred.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-15
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. (MO)

I have previously submitted info to all three bureaus advising of accounts that we not mine and should be removed. The accounts have since then been clears from my reports except from Experian. In a recent report mailed to me from this company I see a XXXX  and XXXX XXXX accounts show on there and both of which are not my accounts and needs to be taken care of properly. The two accounts on my report is making it difficult to grow credit wise
Consumer complaint received 2022-09-15
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. (CA)

The US Dept of Education is reporting false information on all XXXX credit bureaus - they put on Equifax that i had a XXXX loan that the alleged account was opened on XXXX XXXX, XXXX, then on XXXX and XXXX they claim the account was opened on XX/XX/XXXX. I told all 3 credit bureaus that this is IMPOSSIBLE. I went to college in XXXX to XXXX and left college after that - that is when this alleged XXXX loan would be from. therefore, the first date of delinquence would be in XXXX and thus, this is way to old to be on my account. 
The Equifax false reporting i already have a lawsuit filed in the US District Court XXXX XXXX XXXX Case No. XXXX. 
On XXXX and XXXX- the false reporting did not happen until after i already filed the lawsuit against Equifax/US Dept of Ed XXXX I showed both XXXX and XXXX that case and also the fact that the US Dept of Ed is simply making up dates as they choose as i did not get any loans in XXXX, XXXX and the fact it is much different dates between the 3 credit bureaus should show any normal person with 1/2 a brain that something is not right but they have not done any real investigation into the accuracy of the reporting in violation of the FCRA XXXX 
I am also aware of the lawsuit filed by the CFPB against XXXX and their transgressions and i also am aware this is not the 1st time these credit bureaus have been sued for similar situations. 
This is absurd that i am going to have to file another lawsuit vs. the US Dept of EXXXX and also name XXXX and XXXX in the 2nd lawsuit. 
FYI- I also showed XXXX that back in XXXX the US Dept of Ed attempted the false reporting on this alleged debt and back then it was removed from XXXX but yet now all 3 are reporting this false information on an account that is too old to be on my credit. I am filing this complaint so that you notify all 3 credit bureaus as well as the Dept of Education of these transgressions and they all need to remove this false reporting from my 3 credit bureaus or there will be a 2nd lawsuit filed.
Consumer complaint received 2018-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (TN)

I decided to close my checking account at PNC bank as i found their website and online banking very complicating and extremely confusing. Because i donot really understand their site settings i was afraid of using it. As of XX/XX/2018 my account balance was {$25.00}, so i paid the same {$25.00} to my credit card to zero out my account balance. I planned to close the account as soon as the payment is clear and my account has XXXX balance. But on XX/XX/XXXX i noticed my account has a negative balance because PNC bank charged me overdraft fee. So i both called and sent them a secured online message to inquire and explain to them that i just wanted to zero out my account balance of {$25.00} and then close my account. I didn't overdraw a penny as my account was clearly showing a balance of {$25.00} before i made the payment for the exact same amount. I asked them to remove the fee and close my account but they refused. After i asked to speak with the manager, the representative agreed to submit a complain and promised to call me back within 48 hours. But 5 days passed and nobody called me back. I sent them a online message again but they still gave me a run around and refusing close the account. Today i notice they charged overdraft fee again so the account 's negative balance is growing larger.
Consumer complaint received 2018-12-22
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have made several attempts to get your help with this fraudulent loan made by XXXX XXXX, loan number XXXX. In my last complaints your office keep closing my cases and your summary of my complaint issue on prior complaints are incorrect. I would like to submit another complaint and have my prior complaint amended with this submission. XXXX. I've submitted the Uniform Affidavit and I've had no further response.

I also would like a Confirmed Sll disclaimer and need explanation of how it could be resource that could help me resolve this injustice of 10 years we have endured. I am in receipt of a letter from XXXX XXXX XXXX, Senator office, stating that XXXX XXXX in her XXXX XXXX office has been asked to assist me. I would like our home released from this fraudulent loan and the loan given to it's rightful owner. XXXX XXXX. We did not take part in this loan nor did we receive anything from it. It was done illegally and without us having any knowledge of it. XXXX XXXX did spend 4 years in prison, of a 8 year sentence. When I receive correspondence from your office it has his name as the complainter which in fact it is I XXXX XXXX. It may be because the loan is in his name, please respond to me,
Consumer complaint received 2018-09-11
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. (NY)

On XX/XX/XXXX, I received my tri- merge annual credit report and see some hard inquiries that I do not recognize and authorize. 
On XX/XX/XXXX I contacted Equifax via certified mail about the inquiries. few weeks later they responded by saying it was factual record of file access. 

On XX/XX/XXXX, I sent out another certified letter explaining that I did not authorize or recognize these 2 inquiries from XXXX posted on XX/XX/XXXX and XXXX/XXXX posted on XX/XX/XXXX. 
They responded again by saying those inquiries are factual record and asked me to contact directly the creditors. 
Immediately, I contacted both XXXX and XXXX/XXXX on XXXX XX/XX/XXXX via separated certified mail through address provided by Equifax . 
The package was Return unable to forward. 
For the 3rd time I contacted Equifax letting them know the address for creditor the provided me, has came back unavailable. And I request them to verify their reporting and provide me name of individual that provided them with those inquiries. 
They came back with same respond that the inquiries are factual record and to contact the creditor. 
On XX/XX/XXXX I contacted Equifax for the 4th time asking them to provide me for the last time with people they contacted for their investigation and they fail again and again. They keep saying the over and over same thing unable to provide any proof. 
I am so tired to be pushed around by credit reporting agency.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, BBB, Attorney General and FTC
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. (VA)

There are two companys being furnished onto my consumer report with my written instructions. I do not have contracts with neither one of them. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality, ( XXXX XXXX XXXX ) XXXX XXXX nor ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (NH)

XXXX XXXX is claiming i lived in a apartment after dates provided on my lease in XX/XX/XXXXand is asking for {$600.00} in utilities expense for a time i was not living in apartment XX/XX/XXXX filed dispute Never received response from company after providing evidence of not living in apartment XX/XX/XXXX nation grid filed collection I have attached a copy of my lease showing that i left when charges are still continuing. I also left out of my lease early in XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (FL)

Amount owed- {$100.00} Collections agency ( franklin collections firm, XXXX XXXX XXXX XXXX ( XXXX ) XXXX Agency sent letters in early XXXX for one or two unpaid sessions. Those were proven to be paid, and I thought this was a closed case. 
The 'medical ' company ( XXXX  ) is an online only therapy support company. My therapist was licensed in the state of Virginia ONLY. When I had an appointment with her I had to be in the state of Virginia, or she could not have the session and be paid. The date of the service in question is XXXX, XXXX, XXXX. First, the company had my credit card on file and charged my account for each session. I never saw an invoice from them. 
Second, on XX/XX/XXXX I was driving to XXXX XXXX, Florida and I have a credit card statement that proves this. 
I have requested, on numerous occasions, a copy of an invoice or some indisputable evidence that I had a session on that day. I have never received anything from them except threatening letters ( see attached ). I have called the agency at least 6-8 times and still have not received any document, period ... except their threatening letter.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
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. (NH)

I applied for a credit card with XXXX XXXX on XXXX XXXX and was denied because Trans Union reported that I was a delinquent consumer from XXXX credit card. I was in dispute of {$320.00} with XXXX and it was paid off by XXXX XXXX XXXX sending me a check. XXXX reported to trans Union I was in arrears for several months, When in fact I was is dispute with XXXX. 

Now my credit rating has dropped to XXXX and I can't get credit because XXXX reported my disputed incorrectly to Trans Union. Matter of fact it was reported as non payment not even a dispute. 

I called XXXX and was refused help on XX/XX/2022. I was hung up on 3 times. 

So now I am filing this complaint.
Consumer complaint received 2020-06-06
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: Experian Information Solutions Inc. (CA)

i disputed a debt with XXXX XXXX with experian it was deleted only to be rereported again on all 3 bureau from a different collection agency.
Consumer complaint received 2023-05-23
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. (IL)

15 USC 1681 Section 602 ( a ) states that I have a right to privacy These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed below IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-23
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. (NY)

I have contacted Experian credit reporting agency regarding incomplete, missing and no data for certain time periods on my credit report, also late payment on a charge off account. After my dispute, they have decreased my credit score and have added negatives on all three of my accounts, one which is paid and in good standing, one that I am currently paying on time and the third I will be sending a goodwill letter to and make necessary payments. I have called them about this but they seem to be deliberately trying to hurt me.
Consumer complaint received 2018-12-22
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: Armor Systems Corporation (FL)

I have consistently reported fraud on my credit regarding several accounts. After countless times, XXXX deleted the numerous accounts due fraudulent/inaccurate information. I called both XXXX and XXXX and explained XXXX removed the accounts and I needed to get the steps to remove it on the reports as well. They explained they investigated the same information and it was reported accurately. At this time I need the accounts removed because it has tarnished my credit for years. I have proof of XXXX removing the accounts and asked XXXX and XXXX  if I could send it in. However the request was turned down. Can you please investigate this so I can get my credit in order? Thank you
Consumer complaint received 2019-01-15
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. (OH)

I have now disputed this 2 prior times and I received a response that this is my collection debt. This is NOT MY DEBT and i have asked and asked numerous times to send verification if they believe this is mine. I show ID and for every medical appointment I go to.This is not my collection and I am in the process of getting a Mortgage and this is holding me loan up. Please remove this from my credit file as this is not MINE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (TX)

I've filed complaints against the business about this debt, they didn't reply and it was turned over to the FTC. I also filed a complaint against the company trying to collect the debt originally, XXXX, who left voicemails telling me if I didn't pay they would hurt my credit and then sold the debt to someone else to collect now, who is saying if I don't pay it, it will be the same result. 

I joined on a free trial, I used the gym one time at XXXX and told the front desk employee it wasn't for me and I needed to cancel. She replied that no one was there that could handle that right now but she would take my info and when they arrived they would " take care of it for me ''. There was no additional information about needing to come back in, or check back, or etc. So I considered it settled and went about my business. 

3 months later the phone starts ringing about this membership I considered closed, pushing a ridiculous amount nearing {$400.00}. 

I called Aldous & Associates and told them I deny the debt, explained the situation and offered to settle the debt for a reasonable amount. They refused, told me it was all or nothing and that I didn't have recourse if I disagree with what they are asking for. 

The gym industry doesn't like to cancel people and its a running known situation some sit on cancels instead of doing them/communicating errors in process because overall they want collect dues. 

I feel this whole process has been predatory.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am not an attorney or a Third party, I am having a issue with some one using my person information to collection insurance benefits and ordering utilities in my name. I have a common name XXXX XXXX and I believe my name is either being confused/used as someone else. 

The following addresses do not belong to me Please delete them at once : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX. Please remove any other address they do not belong to me. 
I found numbers that do not belong to me as well please delete they are not accurate ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX