davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 2024-05-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CreditNinja Lending, LLC (FL)

I took a loan out from this company to repay credit card debts and other bills that were immediately due. I had EVERY INTENTION OF PAYING THIS LOAN BACK, BUT I HAD MULTIPLE JOB LOSSES ALONG WITH LOSING EVERYTHING I OWN INCLUDING MY HOME, I WAS GIVEN THE RUN AROUND BY MULTIPLE COLLECTION AGENCIES INCLUDING XXXX XXXX XXXX, STRUCTURED SETTLEMENT AND THE XXXX XXXX XXXX IN WHICH HARASSED ME DAILY FOR MONEY IN WHICH THEY REFUSED TO ACKNOWLEDGE. REGARDLESS OF THE DEBT STATUS, THIS SHOULD HAVE BEEN FORGIVEN AND I AM ASKING THAT THIS IS REMOVED FROM XXXX XXXX AND ANY AND ALL RECORDS OTHERWISE I WILL SUE FOR {$25000.00} ALONG WITH CONTINUANCE TO COMPLAIN AND SUE THE PANTS OFF OF THIS COMPANY!!! I AM ALSO REQUESTING ANY MONIES THAT WERE REPAID TOWARDS MY DEBTS THAT I AM RECOUPED THOSE AMOUNTS ASAP!!!
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (NY)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX
Consumer complaint received 2017-08-09
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. (SC)

XX/XX/XXXX- Phone call to TransUnion to have unauthorized inquiries removed after informing them that I was a victim of their inquiry problem. Representative stated that she 's unable to help. XX/XX/XXXX Phone call to TransUnion to have unauthorized inquiries removed agains stating that I am a victim of their inquiry problem. Representative stated that he 's unable to help.
Consumer complaint received 2017-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I am currently in the process of attempting to get a mortgage. My mortgage was originally derailed in XX/XX/XXXX when an account for a collection from XXXX XXXX XXXX showed up on my credit report, which tanked my score. This account was reported to my credit without the collections agency ever contacting me via phone or at my current address. I called the collections agency to clear this up, the agency admitted that they were in the wrong, and they agreed to delete the account from my credit report. This was on XX/XX/XXXX. I have made multiple follow-up calls to the credit reporting agency to inform them that the account is still on my credit report. They assured me they sent the deletion notice ... once on XX/XX/XXXX and again in XX/XX/XXXX. Still, the account remains on my credit. I contacted Experian to resolve this over the phone after the collections agency sent me a letter confirming the deletion. Experian said that in order to even look into the issue, I would have to file a formal " dispute. '' I explained that I could not do that as it would further delay my getting a mortgage because the dispute process can take up to 30 days and that the bank will NOT issue a mortgage with an open dispute on my credit report. Experian 's representatives and supervisor subsequently refused to do anything about the issue, saying I would have to file a dispute. This is despite my offering to furnish the letter from the credit reporting agency, or to join in a conference call with the agency to confirm deletion of the item. Experian wants me to engage in a dispute process that could take 30 days and will further delay the mortgage, after their error, and the error of the credit reporting agency. I want this account OFF my credit report NOW or I want damages for the full value of the mortgage, rental incomes into perpetuity, and damages for intentional infliction of emotional distress.
Consumer complaint received 2017-10-23
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: V and H Portfolio (SC)

I 've reached out to this company several of times in regards to inaccurate information being reported to my credit report. XXXX XXXX XXXX XXXX are reporting an item that I am not familiar with. I 've filed several disputes about this matter and explained to them that I have no idea about this item and that it is n't mine, they only update the information on my credit report and it is hurting my score. I am in the home buying process and I ca n't move forward with this item falsely reporting. I 've asked them send something in writing to prove that this debt is mine and they 've failed to do so. I am at the point now of speaking with my attorney about filing a lawsuit for reporting inaccurate information and not providing proof. I want this item removed and updated within the next 30 days otherwise I will pursue legally against them.
Consumer complaint received 2020-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (TX)

XX/XX/XXXX To whom it may concern : I would like to file a complaint against a collection agency by the name of ( Reliant Capital solution ). 
This collection agency continues to perform Slander of Credit, by continuing to harass me, and by placing fraudulent false collection debt onto my credit files. 

In XXXX of XXXX, I had an attorney to write to this collection agency regarding this fraudulent debt that they continue to harass me about. 
( Copy of attorney letter attached ) In XXXX of XXXX, this collection agency was using the name of ( Reliant Recovery Solutions, LLC. ) And now on my credit files they are using the name of ( Reliant Capital Solution ), But that does not change the fact that I do not owe this debt, and they have not removed the fraudulent information off of my credit files. 

They continue to destroy my name, as well as my credit by placing a fraudulent collection amount of {$270.00} onto my credit files, lying and claiming that I owe XXXX XXXX   XXXX XXXX, and this is not true. 

I do not owe XXXX XXXX XXXX XXXX any outstanding debt, but this unscrupulous collection agency keeps ( RE-AGING ) fraudulent dates, and lies regarding this fraudulent collection amount, and placing this false fraudulent collection information onto my credit files. 

Its been years since Ive had anything to do with XXXX XXXX XXXX XXXX, I didnt spend much time enrolled in that corrupt, dysfunctional online school. 

They were in charge of all of my financial aid at the time, I did not leave that school owing them anything, if anything they stole from the Department of Education, because they didnt return all of the last funds that they withheld when I withdrew from their corrupt school. 

This deceitful, dishonest collection agency has again ( RE-AGED ), this false fraudulent collection account onto my credit files, showing a date of XXXX XX/XX/XXXX XXXX, with an update to the collection as of XXXX XX/XX/XXXX ). 

I need your assistance, I do not owe this fraudulent collection, and it should be against the law for this collection agency to continue to ruin my financial life over money that I do not owe. 

I want them to once and for all to clear my name of this fraudulent debt, I want hard copy proof on their letterhead that, that has been done, and I want this unscrupulous collection agency to stay out of my credit files. 
I want them to cease and desist from ever contacting me again regarding this fraudulent debt. 

I want the Consumer Financial Protection Bureau fully involved in this complaint until completion. Reliant Capital Solution can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau can contact me.
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

on XXXX/XXXX/XXXX i made a transaction with XXXX of XXXX for XXXX dollars. i will describe myself as ( a ) and XXXX as ( b ). When the charge reflects on my on my account subject ( c ) which I never knew charged XXXX when I contacted ( b ) about the charge they stated that they only receipt XXXX and the difference was the banks charge. when I contacted the bank the first time they stated that there was a foreign transaction fee and also a conversion fee. when I contacted them again and told them that yes there is a foreign fee but that this transaction was not subject to a conversion fee now they state that ( c ) did not charge XXXX but XXXX. That is the complaint, that I am being overcharged by ( c ) when ( a ) and ( b ) agreed on price of XXXX dollars. ( b ) sells the product and ( c ) produces and delivers the product.On previous occasions I have made purchases from XXXX and never had a problem with them.
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (TX)

XXXX XXXX XXXX is illegally trying to collect on a debt that is NOT mine. It was originally through Complete Credit Solutions who was previously notified of the debt not being mine and they could not verify the debt to which they removed it from my credit reports XXXX closed on Transunion and I will a separate complaint about that ) and stopped trying to collect on it. 

Now Complete Credit Solutions has apparently sold it to XXXX XXXX XXXX. This has been an ongoing issue for over 12 years of multiple collection agencies selling it to another agency and then the new agency will try to add it to my credit report as a " new debt ''. I have never had a XXXX XXXX 's card and do not ever get store cards. 

They don't have a single original contract from XXXX XXXX with my signature on it or anything of the sort as I never had it. 12 years of seeing this constantly pop up with random letters from various collection agencies trying to collect on a debt that can not be verified as it is NOT mine and has passed the statue of limitations The letter that XXXX XXXX XXXX clearly marks that XXXXmplete Credit Solutions is the current creditor and that the original creditor is XXXX XXXX XXXX. That in itself is so far removed. I am sick of it!
Consumer complaint received 2020-09-22
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. (TN)

I have been reaching out to all 3 bureaus about this matter going on 6 months about fraudulent activity reporting on my personal report. I have noticed accounts from XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX  that are reporting incorrectly, as well as several inquiries.
Consumer complaint received 2020-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC. (AR)

I was Incarcerated on XX/XX/2020. I posted bail and was released on XX/XX/2020. My XXXX ordered me to a Rehabilitation Center in XXXX XXXX, Arkansas, called the XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, Arkansas, XXXX. I was admitted the night of the XXXX around XXXX. On the XXXX of XXXX, 2020, I went to the Arvest Bank location on XXXX in XXXX XXXX, Arkansas. Upon going to the Branch Location, I was informed my bank account had been fraudulently hit, and all of my funds were gone. I immediately filed a dispute with the company, the amount in the account should have been {$3100.00}. After filing the dispute the company, even though they were aware that the account had been compromised, re-distributed the monies that were disputed back into the compromised account, therefore allowing the person ( s ) that had the account information to withdrawal the money again. I was able to get XXXX out eventually, but upon taking out the XXXX, the bank informed me, when I tried to re-dispute the rest of the money, that they would not be doing another investigation into the disputed funds, and would no longer allow me as a client at that banking corporation. There should be approximately XXXX dollars that the banking corporation of Arvest owes me, through the FDIC insurance policy, on fraudulent banking activity, yet, they are not disputing the account anymore, nor will they have any contact with me about the account, because of the fraudulent activity. 

Besides the withdrawal of XXXX , I have not done anything to this account whatsoever, since before XX/XX/2020.
Consumer complaint received 2020-07-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Happy Money, Inc. (OH)

Apply for a loan to payoff website and was denied tried to delete account or removed account and couldnt. Did a chat to ask to have account removed and was given XXXX about keeping my information and my account open for 25 months they used this law to say why they had to keep it open Regulation B is a regulation intended to prevent applicants from being discriminated against in any aspect of a credit transaction. Regulation B outlines the rules that lenders must adhere to when obtaining and processing credit information.XX/XX/XXXX. Come to find out that the parent company is Happy Money. You go on their web site and look up their account and no where does it state it keeps the information for 25 months. Now the reason why they keep it open is to sell or give my information and or to send me information to apply for loans and or third party company. I dont want nor do I want anything do with them or their parents company or any company that has to do with them. I just wanted my account and information removed. Now I have to deal with calls, emails text message from this people and who else that they gave out my information to.
Consumer complaint received 2021-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (NJ)

Americollect Inc XXXX XXXX XXXX XXXX, XXXX, WI XXXX ( XXXX  XXXX XXXX XXXX ) XX/XX/2021 Re : Account # XXXX XXXX To Whom It May Concern, You are hereby notified under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that your services are no longer desired.

Immediately cease and desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Attorney General of New Jersey. Civil and criminal claims will also be pursued against you and your company.

Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.

Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. 

It is my policy neither to recognize nor deal with collection agencies, and I will only settle this account with the original creditor.
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (MI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  ) ( ACCT NUMBER : 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 A account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

MY DISPUTE IS CLOSED NOW BUT IT WAS ( XXXX )
Consumer complaint received 2020-11-12
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. (FL)

I sent a notarized letter on XXXX by certified mail with USPS return receipt required. Transunion did receive the letter of XX/XX/XXXX, and I received the return receipt card bearing their signature. I also sent letters to Transunion on XX/XX/XXXX, XXXX and XX/XX/XXXX, but Transunion has ignored all four letters. In the letter of XX/XX/XXXX, I demanded that Transunion provide written proof of debts it reports or to remove the alleged debts from my credit report. As of today, XX/XX/XXXX, Transunion has neither removed the debts from the credit report nor have they sent me written proof of the debts they report.
Consumer complaint received 2021-03-30
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. (FL)

XXXX is claiming I was late 3 or delinquent 3 times on my credit report. XX/XX/2019, XX/XX/2019, and XX/XX/2019. Ive tried several times to get this corrected and prove that I was not delinquent, however when I try to access my statement history for anytime past 3 months, the system doesnt allow me. Ive called in several times regarding this issue and have been transferred to multiple departments, all of whom also cant access this report. Ive disputed this with XXXX, XXXX & Experian to provide proof I was late so I can see this information, Fairwinds has claimed I was more than 30 days late 3 times and that I hadnt made a payment in the 60 day timeframe, I however have attempted to using my XXXX XXXX  with account # ending in XXXX. Their website rejects the payment as an external source without explanation or notifying me, so I can use their banking services. An executive with the company denies this, which of course is a lie. Ive called in to make payments using external banks and they charge erroneous & unduly fees on the consumer. They claimed to have sent me letters explaining the delinquency, however they sent it to a wrong address that is not on my credit report. They repeatedly refuse to rectify this. Ive emailed XXXX XXXX - CEO and got a response from one of his executive who claims that this information is accurate and refuses to provide proof or any investigation into the myriad of phone calls Ive had with multiple departments, so I cant access previous statements, get an investigation into the several phone calls and I have his executive saying thats all part of the FCRA and thats why they cant remove it. This information is reflecting negatively on me & my creditworthiness. Its unduly, burdensome, erroneous, misleading, inaccurate and Im asking for it to be removed.