davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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: LEXISNEXIS (MD)

So I sent a letter off on XXXX. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. 
Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

The XXXX XXXX license of XXXX XXXX XXXX was revoked following an erroneous local civil judgment in XXXX XXXX XXXX County. The Judge who originally entered the order, refused to correct the matter or hear the case. However, the Federal Court decision ( s ) are the highest court rendering a decision. 

The license of XXXX XXXX XXXX was revoked and the employment history and occupation was altered and/or erased ( missing ). XXXX XXXX XXXX has since reapplied for reinstatement of her license on XX/XX/XXXX as a XXXX XXXX but evidence has shown the occupation of XXXX XXXX XXXX as a Licensed XXXX   XXXX  from XXXX and maintained until XXXX as well as a XXXX XXXX license from XXXX with the final expiration date in XXXX but being revoked in XXXX and reapplied for in XXXX. A portion of the proceeds ( one-third ) that paid for the XXXX XXXX reinstatement application came from another XXXX XXXX case where funds were misapplied. 

These documents confirm the occupation of XXXX XXXX XXXX from XXXX. Prior to that XXXX XXXX XXXX was a student  with a work study job at XXXX  XXXX University.
Consumer complaint received 2022-08-18
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)

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-10
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. (SC)

I attached a list of transactions for review. I paid off my XXXX XXXX credit card balance in XXXX of XXXX. Two days after I paid it off I was charged a late fee. I spent weeks making calls trying to get this resolved because everyone was furloughed. As you can see the late fee was refunded on XX/XX/XXXX. You can also see that another late fee was charged on XX/XX/XXXX. Again weeks of phone calls, during the time another late fee was charged on XX/XX/XXXX I finally got a young man on the phone who told me he did not have the authority to remove late charges since one had been removed but he could refund a finance charge of XXXX to help offset the 2 late fees. You can clearly see the {$41.00} refunded on the XXXX statement. I then paid the remaining balance, which was money that I did not owe just to make the situation end. Moving on to XXXX  when XXXX reported a 30 day late to the credit bureaus for XXXX. I did not even have a payment due in XXXX. Again another week and weeks worth phone calls & written letters met with zero results through the months of XXXX XXXX. I have already disputed with the credit bureaus and XXXX has verified the info as correct. Finally around XXXX I just gave up as I operate a multi unit restaurant group and just got too busy to keep turning in circles. Last week I presented this information to a XXXX XXXX manager and was referred to someone else who has apparently reached out to someone else but told me it was unlikely XXXX will remove the late ding on my credit. I also attached what XXXX has reported to Experian as my payments and it also makes no sense with the statements I have provided. There is an obvious cycle of credits in XXXX & XXXX, then a payoff so how could I have been 30 days late in XXXX? It makes no sense. 

I have been building a house since XXXX and am slated to close on XX/XX/XXXX. This mistake on my credit report has cost me 60+ points and is now preventing me from having my mortgage approved, worst case scenario, best case is it will cost me thousands in interest and PMI fees. My Mortgage broker has requested a letter on letterhead stating that XXXX acknowledges the mistake and will report it to the three credit bureaus. 

I have worked very hard to build my dream home and do not feel that it is just that a clerical error that could be easily fixed, if someone would just help me, should stand in the way of this. I am hoping we can get this resolved, I am on a very tight time crunch at this point and have exhausted all avenues.
Consumer complaint received 2019-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Re : Notice for Proof of Claim Account No. : # XXXX To Whom it may Concern : This is a legal and notarized document. XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XX/XX/XXXX ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX v. XXXX XXXX XXXX  XXXX : XXXX v. XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 

Also, I have received a statement claiming that I owe a debt to XXXX XXXX and that you are the second collection company. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin.

6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.

I also request to see a certified copy of any contract or agreement between you and XXXX XXXX  that gave you the right to collect this debt Account No. :XXXX Respectfully Submitted
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I have sent letters out to the three credit reporting bureaus on dates XX/XX/2022, XX/XX/2022, and XX/XX/2022 regarding the verification on the accounts that are reporting negatively on my credit report. To this date I have not received the documents that I requested via mail that were used to verify the account. After various letters, the credit bureaus refuse to remove or correct this inaccurate information on my credit report. Here are a few items I attempted to correct with the credit bureaus but have not been resolved. 

XXXXXXXX XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : This account is not reporting correctly across all three bureaus. The account status is showing two separate statuses. The date that the account was opened is also showing inaccuracies. The high credit balance is showing different. The credit limit on the account is inaccurate. The payment status is not reflecting the same across the bureaus. 

XXXX FIRST : This account is not reporting correctly according to the FCRA. The date the account was opened is incorrect. The high credit balance is showing differently across all three bureaus. The date of last payment is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date on the account was opened is incorrect. 

XXXX  XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. 

XXXX XXXX : This account is not reporting accurately according to the FCRA. The date that this account was opened is incorrect. The balance of the account is incorrect across all three bureaus. 

The Bureaus : This account is not reporting accurately. The date opened is incorrect across the bureaus. The balance on the account is reporting incorrectly. 

XXXX XXXX : This account is not reporting accurately. The date opened is incorrect. 

XXXX XXXX :  This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. The balance of the account is incorrect.
Consumer complaint received 2023-08-14
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: Early Warning Services, LLC (TX)

I affirm that the information provided above is accurate and true to the best of my knowledge. I acknowledge that any false statements or omissions may result in legal consequences, including penalties for perjury as defined by the laws of the United States, whether conducted within or outside the country. Furthermore, I confirm my legal authorization to pursue this dispute under federal and state legislation. I know that including significant factual errors or omissions constitutes a federal offense punishable under 18 U.S.C. 1001. Similarly, making false statements is prohibited by 18 USC 1621. It has come to my attention that my Early Warnings report contains accounts in my banking credit report that are unrelated to any accounts I have personally initiated. I assert that someone or an organization has improperly utilized my personal identifying information without my consent to apply for goods, services, or financial resources. I kindly request a senior official from said company to verify, under penalty of perjury, that I have indeed obtained these fraudulent accounts. It is unlawful for these businesses to engage and include unauthorized banking accounts on my banking credit report. These actions have caused significant stress and distress for which there is no justifiable reason. I want to emphasize that I did not authorize these accounts, as they do not belong to me. I implore you to thoroughly investigate this matter and promptly remove these erroneous entries from my Early Warnings report. I implore you to please remove these items immediately.
Consumer complaint received 2022-03-09
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (GA)

I took out a Payday installment loan in XX/XX/2018. Then I was planning to pay for it in full. The acquired loan was {$3300.00}. My daughter got sick and needs care multiple states away. I didnt realize until after I signed and my wife was like oh my gosh you just agreed to pay them over {$13000.00}. I challenged her and said no I didnt. It was then I didnt realize the entire thing and what I signed up for. Coming from the state of Georgia where PayDay loans are illegal. I read the loop hole that says only loans of {$3000.00} was government governing the interest rate to I believe 29.9 %. That made me realize why XXXX only gave a loan of XXXX us to put us in this never ending, taken advantage of, etc.. I the consumer knew after reading up that I finally realized they stuck me with a 350 % interest rate for 12 months paying over {$10000.00} in interest at almost {$1000.00} a month. It breaks my heart how people are getting taken advantage of from a Payday loan company hiding within that said company. Would them doing a means test save the unfortunate like me who tripped up on the company wording? Ive notified them repeatedly through email as of now that is my only form of communication. Their getting back to me is horrendous. They dont answer my email ever except for begging them to and then all I ever get if what can we do to help.I always respond to them and once again lack of, or no communication. I have every single email with that company. I filed a complaint to XXXX  and was sent an email from the XXXX  stating they didnt even answer their communication reach out. I never thought I was signing up for a {$3300.00} loan costing me over {$13000.00} in 12 months. I would never have ever. Thats almost my house payment each month.
Consumer complaint received 2023-04-07
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. (KY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or delete these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (CA)

this was for progressive auto ins that i paid before going to collections this caine & wiener co put on all 3 credit reports im collections i sent proof many times of the payment i made before collection it was removed from XXXX XXXX but left on XXXX i disputed it then was removed then put back on 5 times taken off then put back on and this has gone on for awhile i sent proof over over and still they keep putting it on it's affected my credit where now im applying houses for rent getting denied and im about to be homeless because of these errors
Consumer complaint received 2019-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have sent multiple letter to XXXX, XXXX  and also to Midland Funding who say i owe them which i do not have any type of contract or agreement to pay them. I have tried to get them to verify the debt, but they could not do it and XXXX  and XXXX  say it is true, but XXXX has taken it off since they were not able to verify it. And i have sent them certificated letters tiring to verify it but the would not send it or i would have to call multiple times to get them to send me something which they was not going to if i didn't talk to a manager there. Also the amount that they say i owe them is different than what is on the credit reports. Along side that they did not send me any contracts they sent me a copy of a bill that is not mine since it is not made out to me unfortunately I am a XXXX and XXXX XXXX is my father who has passed away.
Consumer complaint received 2019-01-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Security National Automotive Acceptance (SC)

I feel as if I shouldnt have to pay the remaining balance thats due on the car. I was trying my best to catch up the car payments and I made a {$1000.00} payment and they still repossessed the vehicle after I spoke with a gentleman on the phone letting him know I was doing everything possible to bring my status to current. Yes I understand that you have to make the payments on anything youre leasing or loaning but I was out of work and then my daughter was going through a crisis and I had to take off time to get her mental status at a point I could return to work or school. I was at the school registering when I came out the car has already been gone and it made it almost impossible to get my daughters to school or myself for that matter. I could understand if I wasnt trying but I was. I even overdrawn my XXXX XXXX  account XXXX $ just to keep the car. They gave me other options to try to get the car back but i wasnt approved for anything but I felt it wouldve been easier to just allow me to keep the car due to me receiving my taxes shortly after. I couldnt afford to pay the past balance, repossession fees, holding fee, and big down payment for insurance so I was unable to pick up the vehicle before it was optioned off.
Consumer complaint received 2019-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MO)

I graduated in XXXX. 
In XX/XX/XXXX, I applied for Public Service Loan Forgiveness ( PSLF ) with XXXX XXXX because I have made on time, qualified payments for at least 9 years, and I have been working for qualifying employer. 
I received a letter from XXXX XXXX indicating they received my application and supporting documents. The letter also states that XXXX will contact XXXX, the prior servicer about my student loans, and my loan will transfer to XXXX servicing for evaluation, my automatic payment amount and the due date will not change. 
In XX/XX/XXXX, I received a letter from XXXX stating that my loan transferred and it included the total amount of loans and my monthly payment. I noticed my payment is increased and no mention of the status of PSLF. 
I contacted XXXX multiple times via email inquiring if I am qualified for PSLF or not, and the reason why my monthly payment was increased. XXXX never responded or explained the status my eligibility for the program. 
In XX/XX/XXXX, I contacted my general attorney to investigate and help me receive a response. 
In XX/XX/XXXX, I received a vague and misleading response from Fedloan  servicing stating that " you made XXXX qualifying payments '' because my qualifying payments were disqualified in XX/XX/XXXX and the increased monthly payment is to help me pay off my student loans in time. 
I again requested additional information of the reason why my qualified loans were disqualified in XX/XX/XXXX ( When I consolidated my loans ). XXXX responded that it was disqualified because I took a type of loan called " Parents Loans ''. However, all my loans were Sub and Unsub Direct Stafford loans. 
I then requested more information about the reason why it was concluded I made XXXX qualifying payments after I made qualified payments for at least 8 years or more. 
I also requested if I am indeed not qualified for PSLF, I have no reason to keep my loans with XXXX  XXXX. Therefore, I would like a refund of the extra monthly payments and transfer my loans back to XXXX or other servicer. No response received. 
In XX/XX/XXXX, I requested my general attorney to file a lawsuit against XXXX  XXXX for increasing my monthly payment without my authorization and for failing to transfer my loan back to XXXX after multiple attempts. 
I am waiting to hear a response from my attorney general or XXXX  XXXX.
Consumer complaint received 2019-04-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CASHCALL, INC. (FL)

The guy claim his name is XXXX XXXX and he work for a debt collection agency for a online payday loans company. This man has call my job since the first week in XXXX. He will call my job several times in one day. I ask him to stop calling my job and he still does. I told him verbally and by e-mail. I ask him for more information on this loan who I got it through but he will not provide it for me. All he keep saying is a online payday loan. I ask him to stop calling my phone but he still calls. XXXX is demanding I pay him money by putting it on a gift card from XXXX or I tune card. I have had the police to tell him to stop calling and he still calls. My boss has told him I can not take personal calls and he still calls and my boss had the police to talk to him. This man is making me ill. I am not sure if this is his name because of the foreign accent. I can not get him to stop calling my job. I don't owe this debt as far as I no. When XXXX call the job and I refuse to talk to him some kind of way he will have all the phones ringing in the office all at the same time. I no he is a scammer but I don't no how to keep him from calling my job. I have the number block from my phone. I have also got in contact with a debt collection agency for online payday loan debts and they told me it was a scam. They do not do money on a gift card.
Consumer complaint received 2022-03-30
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: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.