davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (GA)

Dispute Amount : {$120.00} Service Provider : XXXX XXXX XXXX This is a follow up to an earlier complaint # XXXX filed against XXXX XXXX XXXX. That complaint was resolved when the company agreed to remove my name from their contact list and that they would contact the relevant credit reporting agencies to remove negative information placed by them. As I have reported previously, I have not had any business relationship with XXXX XXXX XXXX for years and they have not contacted me regarding this matter. As a matter of fact I have sent a letter to the CEO regarding this matter. 

It was my understanding that after I reported the issue that it would be the end of this matter. But that was not to be as I was informed by my credit monitoring agency today that a negative item was placed by a company I have never heard of on my credit report. My investigation of this matter indicates that this is the same item just another corrupt collection agency. This agency is Franklin Collection Service in XXXX, MS . 

I have never been contacted by this company and I have no idea who they are. Tried to call the number I found for them and could not reach anyone. I am irate that this matter will not die and is being reactivated by these unscrupulous collection agencies with no restrictions as to how their actions affect my credit. There has to be a way to put and end to this.
Consumer complaint received 2021-12-12
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. (TX)

According to federal law 15 USC 1681a Transunion  has repeatedly violated this law for continuing to report an alleged debt that has never been validated by the original creditor or myself. I have submitted numerous debt validation letters to the company and they provide a statement that the debt has been verified however, they have NEVER provided me the method of verification of who they spoke with from the original creditor, name, phone number. I have never verified the alleged debt from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2021-12-12
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. (OH)

There are third party XXXX XXXX on my credit report that do not belong to me and I did not authorize. This is a violation of the XXXX act. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-12-12
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. (CA)

Hello, My name is XXXX XXXX. Im trying to solve the problem with my incorrect credit score for 4 months now but nothing was helpful. Here is the situation : I opened my credit card  at XXXX XXXX in XXXX and after 6 months of opening it I started to see my FICO score ( which was reported from Experian ) on my XXXX XXXX profile. When I opened the card I didnt have SSN, however, as soon as I obtained my ssn in XX/XX/XXXX I updated my personal information and added it to my XXXX XXXX profile. After obtaining my ssn I also opened Experian, XXXX, and XXXX accounts to see my credit score. However, neither of those agencies have my XXXX XXXX credit card on my profile. They only have one credit card  from XXXX which was opened less than 6 months. Experian doesnt even show my credit score and says that I dont have one however I see my score on my XXXX XXXX profile . Whenever I want to apply for a loan or something related to the credit score I get denied either because they say I dont have one or my information wasnt recognized. I kept going and calling XXXX XXXX to help me to solve this issue but they say they are already reporting everything needed to credit report agencies and when I tried to contact these agencies they say I should solve this issue with XXXX XXXX and theres nothing they can do.
Consumer complaint received 2021-12-12
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: EQUIFAX, INC. (CA)

Hello, My name is XXXX XXXX. Im trying to solve the problem with my incorrect credit score for 4 months now but nothing was helpful. Here is the situation : I opened my credit card at XXXX XXXX in XXXX and after 6 months of opening it I started to see my FICO score ( which was reported from XXXX ) on my XXXX XXXX profile. When I opened the card I didnt have SSN, however, as soon as I obtained my ssn in XX/XX/XXXX I updated my personal information and added it to my XXXX XXXX profile. After obtaining my ssn I also opened XXXX, Equifax, and XXXX accounts to see my credit score. However, neither of those agencies have my XXXX XXXX credit card on my profile. They only have one credit card from XXXX which was opened less than 6 months. XXXX  doesnt even show my credit score and says that I dont have one however I see my score on my XXXX XXXX profile . Whenever I want to apply for a loan or something related to the credit score I get denied either because they say I dont have one or my information wasnt recognized. I kept going and calling XXXX XXXX to help me to solve this issue but they say they are already reporting everything needed to credit report agencies and when I tried to contact these agencies they say I should solve this issue with XXXX XXXX and theres nothing they can do.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (OR)

TD Bank/Target is reporting on my XXXX credit report that an account was closed due to XXXX XXXX BK filing. The BK filing occurred in XXXX and XXXX  in XXXX. This account with TD Bank/Target was on the list of creditors, however, TD bank never properly closed the account until SEVERAL years later. Now it is appearing as a bad debt. I have tried to contact TD Bank to resolve this and they advised they can not speak to me because the account is showing it is in bankruptcy. XXXX is unable to make any changes at my request and suggested I submit a compliant to CFPB. The other two credit bureaus updated the account properly.
Consumer complaint received 2021-12-12
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. (CA)

The Consumer Credit Reporting Bureau is Experian, I requested my credit report and have disputed several items in the report ; there are several accounts that are closed and should be removed. There are two of the companies that have demonstrated unlawful practices ( XXXX & XXXX ), and law suits have been filed against both companies. A School Closure for Discharge was submitted for XXXX University of the XXXX XXXX XXXX XXXX as the school closed, as I had to take two science classes at a community college to complete my BA diploma/certificate requirements as XXXX lost XXXX XXXX and it closed, while I was taking the science classes for their BA program. Both, XXXX & XXXX accounts should be closed and removed. XXXXXXXX XXXX XXXX should be removed as it with XXXX XXXX. 

XXXX XXXX  is the financing institution for the following credit accounts : XXXX XXXX XXXX, XXXX XXXX XXXX. that were closed because these companies no longer serve as brick & mortar stores. The XXXX XXXX account shows late, I have never been late on this account. In addition, to several other accounts on my credit report that should be removed as they are paid and reflect closed. These accounts should be removed from my credit report as they are closed and a few I never used. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 

Other Credit Accounts paid and closed : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX A total of XXXX accounts should be removed from the Credit report. I would like to have my credit report reflect a positive report as I work hard to maintain a good report, and currently that is not demonstrated by Experian and other consumer reporting bureaus. I have also filed a complaint to have Experian investigated by the Office of the Attorney General for a Public Inquiry as many of the agencies appear to demonstrate race inequities towards people of color as profiling.
Consumer complaint received 2021-08-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NJ)

Credit Collection Services reported a non payment on my Consumer Report without my permission. 
They contacted me to collect on an alleged debt to XXXX. 
I requested Proof of Claim on the alleged debt by signed Affidavit.

I requested Proof of Claim that I had a contract with either them or XXXX by signed Affidavit. 
I requested Proof of Claim that XXXX wasn't already paid for the alleged debt by signed Affidavit. 
I sent first letter of Notice of Conditional Acceptance on XX/XX/21. 
Second notice of Opportunity to Cure XX/XX/21. 
Third Notice of Default along with invoice for damages of violations according to FDCPA. 
I have not received any of the above requests.
Consumer complaint received 2022-07-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (GA)

I've sent Navient 2 correspondents, and they have yet to send me the requested information. I've asked for this information over the phone, in writing XXXX XXXX, 2022, and XX/XX/XXXX of 2022. I have yet to receive the information about my loan. I have also sent the same correspondents to cfpb, XXXX, XXXX, XXXX as a curtesy so that I can get the information needed to verify the information. they have also been calling me three times a day when I have requested they do not call me and to correspond by written correspondents through the mail.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I purchased this airline ticket for a young traveler that needed to prove he had a return ticket back to his home country of XXXX. When the return ticket was presented to the outbound carrier, XXXX XXXX,, they denied him the ability to continue his travel to XXXX on a connection stating the airline ticket was from a company called XXXX XXXX which XXXX XXXX at XXXX airport considered an illegitimate company The demanded only passage from an XXXX country airlines would be acceptable. So the passenger was denied boarding to complete his destination and returned back to XXXX. I had purchased while in XXXX so when I tried calling XXXX, they did not list a phone number for customer service in XXXX. I attempted several times to try to cancel the ticket by website within an hour of purchase, but was unsuccessful. When I returned on XXXX XXXX I Contacted citicard.com for refund but weeks later, they stated that the investigation was complete, but never gave me an explanation as to why they ruled in the merchants favor XXXX charged {$270.00} back on my credit card for services I tried immediately to cancel. I was unsuccessful in doing so, but I made every effort to try to cancel the ticket, in a timely manner, but the XXXX system did not work favorably for me.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-12-12
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. (SC)

XX/XX/2021, Transunion. I disputed a XXXX  account. The Date Opened was inaccurate on my Transunion credit report date on the top right, date issued : XX/XX/2021 When I disputed this inaccurate reporting I told Transunion to DELETE the XXXX account due to inaccurate report. I received investigation results of my credit report, date issued XX/XX/2021. Transunion DID NOT DELETE the account. Transunion updated the XXXX account. That is a violation of the FAIR CREDIT REPORTING ACT 15 U.S code 1681. I have attached my Transunion credit report and the dates are highlighted. THIS IS A CLEARLY VIOLATION AND THIS INACCURATE REPORTING WAS NOT INVESTIGATED CORRECTLY. DELETE THE TBOM/FORTIVA ACCOUNT. Documents are attached.
Consumer complaint received 2024-06-07
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SUNRISE CREDIT SERVICES, INC (TX)

Extremely rude, poor people skills and tried to act like the authority. She told me my social security number over the phone and asked if it was mine, I asked if they reported to credit agencies and she kept telling me to answer her questions and ignoring my only question. Look the up on XXXX and look at the reviews.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I have checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I have also noticed the late payments reporting inaccurately across the bureaus. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to on-time payment if records are not proven I was late. I have attached the inaccuracies of the late payments reporting on my credit report.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-08-25
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. (IL)

Transunion for the past several months has not been posting my payments with my XXXX XXXX Credit Card. My payment history with my XXXX XXXX Credit card is always two or three months behind which is affecting my credit score. This is XX/XX/2021 and I don't see my payments for XXXX, XXXX, and XX/XX/2021 posted on my credit report.
Consumer complaint received 2021-12-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation (WI)

World Finance Corporation has been reporting inaccurate information since XX/XX/XXXX. All three credit bureaus has different delinquency dates. XXXX shows on record until XX/XX/XXXX. I made a payment in XX/XX/XXXX. Matter of fact, payment history has paid on time dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX shows the date of first delinquency XX/XX/XXXX. Also, it shows date of last payment XX/XX/XXXX, however ; XXXX report I made on time payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX shows estimated month and year that this item will be removed : XX/XX/XXXX. 

On XX/XX/XXXX I sent World Finance Corporation a letter telling them about the inaccuracies and they did not make any changes. On XX/XX/XXXX, they sent a letter and in the letter it said, '' We furnish all credit information fully and accurately to the credit reporting agencies and accordingly, we will not grant your request to remove accurate data. '' They have reported my credit history incorrectly per documents and their reporting. 

The account was originally a ten month loan for {$770.00}. The payment was {$77.00} a month. World Finance Corporation report {$610.00}. That indicates I have made two payments, however ; they report that I made on time payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is XXXX payments which should show {$460.00} since World Finance Corporation sternly put all credit information fully and accurately after being told information was inaccurate. The interest that is added is in question due to the blatant inaccuracies and the refusal to amend inaccurate information after being told. 
I have disputed with the credit bureaus XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX about these inaccuracies with proof and it all came back verified as correct.
Consumer complaint received 2021-12-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mandarich Law Group, LLP (IL)

I have reached out to XXXX XXXX XXXX XXXX and Mandarich Group and requested information in which I have not gotten a response. XXXX XXXX XXXX XXXX and Mandarich Group is in violation of my rights as a federally protected consumer.
Consumer complaint received 2024-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (OR)

XXXX owns XXXX XXXX XXXXXXXX in XXXX. They held XXXX for room incidentals. My daughter had XXXX there. We traveled home and I couldnt work. Cash app said the hotel hadnt released it. I called the XXXX and XXXX who confirmed it was released the day I checked out. Then cash app said to get something with the XXXX letterhead and address with a XXXX balance and they would release. I cant ever get a XXXX but the few times I did they would say the same thing- I told them XXXX times and resent the invoice and they still wont release the funds. They just drag it out until its released at the XXXX day mark I think - no one will help me. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-07-05
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. (PA)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1692C At any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; If the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or At the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.