davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (NY)

CREDENCE RESOURCE MANA violated my right on XX/XX/2022 I recently got a message on my XXXX credit report that I had a collection account CREDENCE RESOURCE MANA. I have never received notification Pryor to seeing the account pop up on my credit report. there in violation of 15 U.S. Code 1692c i have no knowledge of this debt or the original Creditor. Also the XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. and is not allowed to collect Debt in New York XXXX. 

CREDENCE RESOURCE MANA Account number XXXX Balance on XX/XX/2022 Original balance {$3400.00} {$3400.00}
Consumer complaint received 2021-08-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: West Realm Shires Services Inc. (GA)

In XX/XX/2021 I deposited {$800.00} to buy cryptocurrency. I was told to wait 15 business days before withdrawing. On XX/XX/XXXX I decided to withdraw my funds and there was an error ( Said that I had a read only account ). I reached out to customer service on XX/XX/XXXX to get help. They asked for a copy of my identification and a selfie to prove my identity. I sent it in. They asked for it again on XX/XX/XXXX. I sent it in. They asked for them all in one picture on XX/XX/2021, I send that in on XX/XX/2021 and they stopped responding. I wrote them no less than seven times asking for an update in the status. I wrote them again on a new thread which issued me a new trouble ticket number. I was told by one customer service person to try to delete the app and re-install. I did and reported to them that it didn't work and they have not responded. I looked online to check to see if anyone else has been having problems and there were 5-10 people who were all having problems withdrawing their funds from FTX/XXXX. As of my understanding, no one has been able to recover their funds. Each of us has deposited enough to be worth tens of thousands of dollars in the near future. 

Please note the link : XXXX XXXX XXXXXXXX
Consumer complaint received 2021-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

Because of covid 19 and the Cares Act, federal student loan payments were suspended until XX/XX/XXXX. Nelnet is not suspending my student loan payments because they refuse to recognize my loan as a federal student loan. My federal student loan originated from the XXXX XXXX XXXX XXXX XXXX in XXXX. 
Nelnet bought my loan from the XXXX XXXX XXXX XXXX in XXXX. I have been making payments to Nelnet since they bought my loan. I am currently still making the monthly payments even though my student loan qualifies for no payment under the Cares Act. 
Nelnet needs to stop inaccurately labeling my federal student loan as private. I never had any private student loans when I attended XXXX. I had XXXX student loans which were and still are federal student loans.
Consumer complaint received 2021-05-03
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 — Investigation took more than 30 days
Company: AES/PHEAA (NC)

I have reviewed a copy of my credit report and I show company FEDLOAN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

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 USC 1681. 
XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 can not furnish a account without my written instructions.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to start off by saying that I am writing on behalf of myself. I am really concerned about how the credit bureaus have been ignoring my disputes. I do not know what is going on. I've disputed inaccurate information on my credit report three times already, and they have ignored my disputes every single times. Inaccurate information should not be on my report. This is against the law! 

This is really concerning to me also because I am a victim of the XXXX  data breach and I know my information has gotten into the hands of the wrong people. 

I sent in my first dispute to the credit bureaus on XX/XX/2020, and nothing was done about my disputes. I sent my second dispute on my other accounts, and I was ignored again. I sent in a third dispute on XX/XX/2020, and I still haven't heard or received any results on their investigation. I feel like I'm being taken advantage of. It's been over 3 months! This is unacceptable. Please delete all of these inaccurate accounts from my credit report.
Consumer complaint received 2022-04-26
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. (TX)

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 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 can not furnish a account without my written instructions.
Consumer complaint received 2021-05-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rodenburg LLP (MN)

XXXX XXXX sent my collection to Rodenburg Law Firm. From there they contacted me and I came to a settlement of my account there for XXXX less than the original amount. After settling the collection was removed off of my credit report. Just three days ago it popped back on my credit report saying I owed that XXXX difference. Today it also reported that im late on that XXXX also. I called them for the last three days between the two companies and no one was cooperating and did not assist me with the reasoning behind this. I asked the Law Firm and they say they dont report to the credit bureaus and i have to contact XXXX XXXX. When I call XXXX XXXX they only say that Rodenburg Law Firm was the only ones who can talk to me about it. Many times XXXX XXXX hungup on me. I got it recorded two times of one representative hanging up on me and one XXXX  hanging up on me.
Consumer complaint received 2022-11-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 a my file at Experian is 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. My credit report includes the erroneous information that needs to be investigated and remove : XXXX XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group (AR)

In accordance with the Fair Credit Reporting act XXXX Accounts 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. 



XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX 
{$750.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX XXXX {$1100.00} Balance updated XXXX XXXX, XXXX  XXXX. XXXX, XXXX Account # XXXX Original creditor : XXXX XXXX {$1000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX {$1300.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX {$2100.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX XXXX XXXX  {$540.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Account # XXXX Original creditor : XXXX {$1200.00} Balance updated XX/XX/2022 XXXX
Consumer complaint received 2021-01-29
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: Resurgent Capital Services L.P. (CO)

On multiple occasions I have had contact about this debt. Previous to this I mad all payments on time and in full until my purse was stolen. I called the original company years ago. I thought the issue was resolved until I found it on my credit report, I again stated my purse was stolen and I did tell the original creditor.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (MI)

Hi, my name is XXXX XXXX, I am victim of a check deposit scam and was told the checks were legitimate only for them to be withdrawn by the person and me suffering the consequences of the now confirmed fraudulent checks being reversed and debited.. my account at Chase. The scammer told and convinced me the checks were real and legitimate, I was naive to his scheme and unaware of the consequences due to my financial ignorance. I gave him my account information and my chase debit card, he was then able to deposit the checks and withdraw the money for himself. Leaving me with a negative balance and a closed account.. Now I am fully aware of what happened now as I went into the branch and told them everything of what happened, I am still liable for the amount thats owed and I can accept that because even though he committed the crime I still gave him my banking information and compromised myself.. I just want to make this right and pay whats owed to the bank and hopefully restore my credibility to open new banks in the future after the debt is paid.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

I had a delinquency charge on my Citi Credit card on XX/XX/2021. I did not pay this amount because I was disputing it but they told the XXXX credit bureaus that I was late. I did not charge this transaction. I have called Citi every month since XXXX 2021. It is still showing my on XXXX Credit Reports. I want the LATE- PAST DUE amount removed from my XXXX credit reports. I have letter, faxes to Citi and no response on removing it from my XXXX Credit Reports..
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MA)

In XXXX a kid named XXXX XXXX was at my house helping do yard work. The next month my " XXXX  '' card was maxed out {$1200.00} I tried to get a ballance transfer of that card to XXXX  XXXX and was denied because " XXXX '' reported it to credit agencies. There isnt much I can do, I live on SSI and have a very hard time speaking to people. A company bought my debt from creditone and in XX/XX/XXXX I recieve a letter from the courts saying I need to apear for a payment hearing. Meaning LVNV Funding LLC had already taken me to small claims court without any notification. Or proving that I owe them any money period. The person who spent the money on the credit card died in XXXX of a XXXX XXXX. So I don't know what course of action I need to take. LVNV Funding LLC used the courts to legitimize a debt to them. They have since hired another company to manage collecting this from me. Adding court fees on top of it.
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Portfolio Group LLC (OH)

Repeated phone calls from phone number XXXX to my cell phone. I looked the number up and it is tied to a company called Advanced Portfolio Group. Today the started calling my ex husband and son. They have received calls and/or voice mails from the same number/company. They asked them about my location or something of that nature. That is all the information they would tell them.
Consumer complaint received 2021-01-29
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. (TX)

THE CHAPTER XXXX CASE # XXXX IS REFLECTING INACCURATE INFORMATION AND SHOULD BE DELTED DUE TO THE BK CASE NUMBER BEING ENTERED INTO THE BK SYSTEM UNDER 2 DIFFERENT FILINGS. THE CORRECT CASE NUMBER IS XXXX AND CASE # XXXX SHOULD BE DELETED.
Consumer complaint received 2022-09-17
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. (PA)

I had a series of inquiries added to my credit profile today. I do not have accounts with these companies and never applied for any accounts. It appears with fraud and identity theft happens today or this week rather. These inquiries should be removed immediately
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (WA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The AMERASSIST AR SOLUTION account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Consumer complaint received 2021-02-04
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. (CO)

Trans Union I have tried to fix this and so did a lender in the past. I am alerting everyone no institution that deals with privacy manners should be allowed to use subcontractors or otherwise broken English speaking people, lets get together and make sure it is made Law. They say I own homes in Texas never happened with me, they let a Debt collector into a frozen account while they are looking at my account knowing I owe no Debt we have to put a stop to this abusive behavior.
Consumer complaint received 2021-10-13
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. (MS)

I have contacted all three Credit Bureaus/Agencies ( XXXX XXXX XXXX, TransUnion ) and the Creditors ( XXXX XXXX XXXX ( 2 ) and Dept. of Education/XXXX  ( 5 ) ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2023-03-02
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: HW Holding, Inc (NC)

It has been deleted off XXXX and XXXX but XXXX is still reporting false information and harassing and calling and sending letters and keeping false inquiries that are not verified and accurate to my credit report! I have disputed over and over again and they are refusing to deleted these false things off of my credit report and sold false information to the credit bureau without my permission and false information and did not re investigate but instead constantly sending letters and it had caused me financially a lot of money and denials due to fraudulent accounts on my credit report!
Consumer complaint received 2021-02-04
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. (CA)

An account was fraudulently opened in my name on XX/XX/2019 by XXXX XXXX XXXX XXXX Credit with a current balance of {$560.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.