davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

I started to receive notices in the mail for a charge off credit account from XXXX XXXX or XXXX XXXX XXXX. I have never had a credit card account from XXXX this account is fraudulent and needs to be removed from my credit report and the collection agency needs to remove their account from all three credit bureaureports. I have attached my FTC Affidavit
Consumer complaint received 2018-12-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: LAW OFFICE OF HALL AND ASSOCIATES (NM)

I received my XXXX XXXX ( checking & savings ) statement indicating the law office illegally seized my XXXX to XXXX XXXX {$2800.00} ) SS benefits that opened the accounts & allowed me to be able to cash the checks at that time with US Treasury checks. The US Treasury stopped SS benefits checks & mandated direct deposit which I enclosed XXXX XXXX. Those SS funds are federally protected & the law office needs to put them back into my checking & savings accounts. The law office states I owe them for not being in-possession of their property from XXXX to XXXX & they are charging me with that some {$7000.00} plus cost & interest for their possession of their property. He also needed my SS # which is illegal. The law office has not given any specifics as to why they did not garnish anything from XXXX to XXXX plus they have never sent me any bills stating I owe them which indicates for me some sort of holiday fraud & /or some despair on their part. In contacting the law office I've left several voice messages of which no returned phone call. Yesterday morning the receptionist hung up on me. Today I finally got to speak to XXXX of which I was told this updated information about their property possession of which I am charged for never being there-charged for not being in possession of their property. They state I owe them all that money because they are in possession of their property. I'm being charged for non-possession & there has never been any bills sent in the US Mail for this alleged debt. I AM ON XXXX & XXXX OUT HERE ON THE STREETS! I have filed for Indigency, a Squashing of the garnishment, & an SSA benefits Exemption Claim while still using my SS benefits for phone calls, US Mailings, postage, time, emotions, mental anguish ... .they illegally garnished federally protected SS benefits. 

They need to put those funds back into my checking & savings accounts & clean up what they have put on my Credit report in their illegal practices as an alleged " debt collector ''. They need to leave me alone & no further contact from them to me in regards to any of this in an probable attempt to interstate stalking, harassment, & illegal practices. I do not have the Option above to choose all that applies to all of this. XXXX is federally protected checks opened accounts in XXXX, checks cashed via accounts till XXXX & have remained there since for emergency & funeral travel for family, necessities. 
Due to technology & uploading my information I have more than 10MB & am not able to delete any more in the file without losing my proof.
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group (CA)

I have attempted to validate this debt with an original contract and accurate balance. The information being reported is not accurate. Ive disputed this debt numerous times trying to verify an original contract and balance information. I have never received validation or information on original balance. There has not been a note or memo on collections to reflect my dispute. Lastly this company every month puts an inquiry on my report and updates the balance every 30 days. This company is harassing me.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I got a hard inquiry on my TransUnion consumer report from XXXX XXXX that I did not authorize.
Consumer complaint received 2018-04-18
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: BARCLAYS BANK DELAWARE (VA)

I have previously filed a complaint with XXXX XXXX for their inadequate investigation into a fraudulent credit card opened in my name. In their response they included the information that was filled out to open the credit card. There were several errors on this information.

Whoever opened this account provided the following incorrect information : Mother 's maiden name Email address ( I've never seen this address before ) Own/Rent ( I assume that the XXXX marked in that field means neither which is not true ) Monthly Mortgage/Rent ( {$0.00} was marked, this is not true at all ) Yearly income ( this number would have been close a few years ago ) Employer Name ( This field seems to have been left blank ) XXXX XXXX claims to have reviewed the ID used and did not include a copy of it in the response to my previous complaint. XXXX XXXX also did not include a social security number used, nor did they include any of the questions that were supposedly answered in the phone call opening the account. I would also like to be provided with the recording of the fraudulent phone call that was used to open this account that they claim to have verified " sounded like me. ''
Consumer complaint received 2020-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX  data breach and this may be the way my information got into the wrong hands
Consumer complaint received 2018-12-05
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: ProCollect, Inc. (TX)

This complaint is against Procollect Incorporated collection agency. On XX/XX/XXXX I paid in full an account I had with them for the amount of {$1600.00}. When I called to pay my balance I was under the impression that it would be removed from my credit and it never was. It is affecting my credit score to this day because it keeps updating on my monthly credit report. I called Procollect on XX/XX/XXXX spoke to someone that told me it was not coming off of my credit report because I had disputed it with the credit bureaus. So I called the credit bureaus and asked them to remove the dispute so Procollect can update it and remove it from the credit report. They told me that the dispute had already dropped off because it had been over 30 days and there was no resolution. When I called Procollect back to inform them the dispute was removed I spoke to a different lady than the first time. She was being very rude as soon as she answered the phone she already knew my name. I told her I spoke to someone a week before and she said, " I know you already spoke someone about this on XX/XX/XXXX so what can we do for you now '' I asked her if they can update their records and remove this account from my credit report since the dispute was removed and she said that they don't delete accounts. So I told her the person I spoke to before told me it would be done and she just kept insisting that they don't do that and could give me no explanation of why the other lady said they would. When I tired to get their names they told me that information was irrelevant and then they hung up on me.
Consumer complaint received 2022-05-04
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. (NY)

( XXXX XXXX XXXX, ACCOUNT # XXXX ) and ( XXXX XXXX XXXX, # XXXX ) broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired Experian, XXXX, XXXX who are furnishing inaccurate and unverified information on my consumer report. 

Proof of inaccuracies is attached example date opened ( XX/XX/XXXX ) on ( XXXX ) but on ( Experian it XX/XX/XXXX ) date last active ( XX/XX/XXXX ) on ( XXXX ) but on ( Experian it XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant EXPERIAN, XXXX, or XXXX the permission to furnish this report I demand that they delete this account from my consumer report. 

in accordance with the fair credit reporting act convergent ( ( XXXX XXXX XXXX, ACCOUNT # XXXX ) and ( XXXX XXXX XXXX, # XXXX ), have violated my rights. 

15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-04
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. (PA)

I am writing to delete the following information in my file, the item I need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove this item from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.
Consumer complaint received 2018-12-05
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. (IN)

I reached out to the 3 credit reporting bureaus in regards to a collection account that is not mines and I have documentation showing it is not mines. I just want to get this removed because its reporting inaccurately.
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (GA)

Demand Letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Mercedes-Benz Financial Services RE : Demand for Resolution of Unauthorized Securities Trading, Denied Credit, and Unfulfilled Purchase Dear Mercedes-Benz Financial Services , This letter serves as a formal demand for immediate resolution of several concerning issues related to my account and recent experiences with your company.

Unauthorized Securities Trading : I am writing to express my grave concern regarding the possibility of your company trading securities on my behalf without my knowledge or consent. As
a longtime customer with multiple financial agreements through Mercedes-Benz Financial , I have never received any form of compensation for such activities, which I believe is legally required. 
Denied Credit and Unfulfilled Purchase : Furthermore, I am deeply disappointed by the recent denial of credit for a vehicle purchase. Despite being a loyal customer for years, I was denied the opportunity to acquire a car, specifically a XXXX XXXX XXXX which I have expressed significant interest in. This denial, coupled with the alleged statement from a sales representative claiming Mercedes " never wants to do business with me again, '' is not only unprofessional but also raises questions about potential discriminatory practices.

Demand for Immediate Action : I demand immediate action to address these issues : * Full disclosure and compensation for any unauthorized securities trading conducted on my behalf. 
* A thorough investigation into the reason for the credit denial and a reevaluation of my application for the XXXX XXXX XXXX 
* Delivery of the XXXX XXXX XXXX assuming the credit reevaluation is successful. 
* Return of any down payments made for previous denied purchases. 
Threatened Legal Action : Due to the severity of these concerns, I am prepared to rescind all signatures on any financial agreements with Mercedes-Benz Financial and pursue legal action in federal court if these issues are not resolved to my satisfaction within a reasonable timeframe.

I expect a prompt and comprehensive response outlining a clear plan to address my demands. I am available to discuss this matter further at your earliest convenience. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-05-04
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. (AL)

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

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

! 5 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.
Consumer complaint received 2018-12-05
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. (AL)

XX/XX/2018 I contacted Equifax via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.
Consumer complaint received 2018-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

My student loans were being serviced by XXXX XXXX up to XX/XX/XXXX until my student loans were purchased by XXXX XXXX company. My original loan amount with XXXX XXXX in XX/XX/XXXX was {$110000.00}. When I received notification from XXXX that they had purchased my loans the amount was increased by over 1000 % to {$350000.00}. I have submitted several complaints to XXXX trying to get an answer!!! I NEED ASSISTANCE!!! I have not attended school since XX/XX/XXXX and I have not attended school after XXXX purchased my loans in XX/XX/XXXX.
Consumer complaint received 2024-02-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (AL)

XXXX XXXX XXXX petitioned XXXX XXXX AL court to grant them a default judgement for an old debt. not only did they not serve me a summons. but they had a server sign court documents stating i received the summons to appear in court. but as i told the court, i have a witness that i did not receive a summons on the day it was supposedly served. XXXX has harassed me with numerous phone calls, court summons after the default judgement and have disrupted my life. They lied about me owing this debt. i provided paperwork to the court that the merchandise they claim i owe for was returned to the company that sold portfolio this debt. XXXX continues to harass me, cause me undue stress, disrupting my routine by have to dispute judgments in court and court appearances and have caused me financial strain trying to prove this judgement was gained through deception and lies.
Consumer complaint received 2020-01-30
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. (NC)

XXXX and Transunion are reporting a charge-off balance amount of {$3300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The balance reporting is incorrect. This account balance needs to report {$0.00}. This inaccurate reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to update and/or remove this however, I have not been successful.
Consumer complaint received 2018-04-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (GA)

I obtained a loan from GM Financial in XX/XX/2017, a {$29000.00} loan for {$470.00} a month for 72 months. in XX/XX/2017 I requested a pay off amount. Every since I requested the pay off, they have stopped reporting my payments to the credit bureau. It makes me look 5 payments behind on my loan plus my credit report shows me owing {$2500.00} more than I really owe. The company stopped reporting my payments to reduce my credit score so I could not obtain a loan from another company. This is a huge rip off scam being used by this company. I think an investigation is in order. When I confronted them about the issue, they said they stopped reporting because of " errors ''. Please stop these people from doing this. It is highly profitable for this company to use this practice because it keeps their customers buried in the same loan and because of the misreporting, it limits customers ability to obtain new loans as their credit scores don't reflect payments made.
Consumer complaint received 2022-05-04
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. (CA)

XXXX KEEPS REPORTING A NEGATIVE ACCOUNT ON MY CREDIT BUREAU REPORT. THE TRADELINE WAS REMOVED 3 YEARS AGO AND PUT BACK ON XX/XX/XXXX. EXPERIAN DID NOT CONTACT ME WITHIN THE 5 DAYS AND NOTIFY ME OF A DATE OF REINSERTION. XXXX  HAS NOT BEEN ABLE TO SHOW PROOF THAT THE ITEM BELONGS TO ME DESPITE SEVERAL ATTEMPTS TO REINSERT THIS ON MY CREDIT. I PROVIDED A POLICE REPORT TO EXPERIAN AND THEY STILL REFUSE TO DELETE THE NEGATIVE TRADELINE AGAIN. THEY HAVE BEEN UNABLE TO VERIFY THIS AND EXPERIAN IS NOT FOLLOWING PROTOCOL BY LETTING XXXX CONTINUE TO TARNISH MY CREDIT. I AM UNABLE TO REFINANCE MY HOUSE OR PURCHASE ANYTHING ON CREDIT BECAUSE OF THIS. EXPERIAN HAS ENOUGH TIME TO REMOVE THIS NEGATIVE TRADELINE AS I HAVE BEEN DISPUTING THIS ITEM SINCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX  XXXX DATE OPENED XX/XX/XXXX
Consumer complaint received 2018-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an account now reporting with XXXX  XXXX  for a XXXX account showing that it opened in XX/XX/2018 and this is an aged account. There has been no service with XXXX in over 7 years. For whatever reason it keeps getting passed around and then reports new but the initial collections occurred over 7 years ago. This should not be listed.
Consumer complaint received 2018-11-18
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. (MS)

I received a notification on XX/XX/2018 from Transunion & XXXX is still investigating, and inaccurate reporting of bankruptcy discharge in the file they maintain under my social security number. The documents I received from these agencies list its " method of verification '' from XXXX or XXXX XXXX. I have attached a recent letter from XXXX XXXX reporting the inaccurate bankruptcy has been removed from the files they maintain under my social security number. I have requested from both their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Both are operating in bad faith which is an additional violation of FCRA 611 ( 5 ) ( A ).

According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

Self Lender/Financial is reporting a late payment on my account. The payment was not made after the 30th day. The payment was for my XX/XX/2018. I spoke with them however, they refused to update my account.
Consumer complaint received 2022-05-04
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. (AL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-12-05
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. (MD)

I have provided the Credit Reporting Companies with the proper documentation to remove items from my Equifax, XXXX and XXXX Credit Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have provided them copies of returned mail, that proves that the information that these companies have provided on my report are false information and thus should be removed from my credit report. I have also provided them information that some or all of these accounts are not valid and proof that the companies could not validate the accounts. The companies provide copies of statements which is not validation of the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.