davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (NY)

On XX/XX/2021 I was contacted by postcard which is a violation of 15 usc 1692b ( 4 ), about a monthly payment. As I read the postcardThere was obscene and profane language which is a violation of 15 usc 1692d ( 2 ), also never stated that I want to do it which is a violation of 15 usc 1692e ( 11 ). I felt threatened by the post card which is a violation of 15 usc 1692d ( 1 ). There are multiple addresses on the postcard which is a violation of 15 usc 1692f ( 8 ). They do not use the name of the original debt collector which is a violation of 15 usc 1692e ( 14 ). And there is no law that states you have to pay a debt which is a violation of 15 usc 1692f ( 1 ). I have also sent over to them affidavit of truth notarized with exhibit all the violations and an invoice
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NJ)

I have written letters to ALL 3 bureaus to REMOVE this Bankruptcy on my credit report, they do not respond. 

I have NEVER FILED any bankruptcy EVER!!!!!!!!!!!
Consumer complaint received 2018-01-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BlueChip Financial (TN)

XXXX XXXX first called me representing XXXX XXXX XXXX. XXXX aXXXX XXXX  XXXX XXXX XXXX XXXX Texas XXXX The address didn't exist in XXXX XXXX, XXXX, or XXXX XXXX. It's a vacant lot and building on XXXX XXXX. So he threatened me with court and jail. The more questions I asked about the company the angrier he got. So eventually he said XXXX was the original debt but not to call them, to handle it through them. I refused. I then called XXXX they sent the debt to XXXX XXXX XXXX XXXX. U called them. They sold debt to XXXX XXXX XXXX. I called them at XXXX and talked to XXXX. I set up payment. I then forgot about it and see when the went to withdraw funds it wasn't there ( Friday XX/XX/18. So today XX/XX/18 XXXX XXXX calls from XXXX. He says he is from XXXX XXXX XXXX. XXXX XXXX XXXX, Ga. He again threatened me with court and jail. So I said why aren't you calling from an XXXX number. He got angry again. Said to call back XXXX. So I did. Company at that number is supposed to be XXXX XXXX and spoke with a XXXX again. Who had no physical address to give me. She says she sent an email. I haven't received yet. I feel all companies involved are scams. Not had supervisors. And no company let 's you talk to the same people when you call an XXXX number. So as far it seems this person XXXX is directly working with XXXX XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

i received a call from the caller ID phished number for my bank Truist on XXXX. They told me there was unauthorized attempt through my XXXX attached account for {$1000.00} and {$2000.00}. They asked for the last XXXX of my social and had my text them my login information. I spoke with my banking institution later and they told me there was no fraud attempts and that they were not going to monitor anything further
Consumer complaint received 2021-09-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC (CA)

Hello- Our house had a sewer breakage. We had a plumber repair the damage and recommended a financing option- GreenSky. He said we could pay it over 12 months with ZERO interest. We proceeded and got the loan. 
I have proof that I have been trying to make payments. 
1 ) First payment XX/XX/21. Then it was FAILED and returned to me on XX/XX/XXXX. 
2 ) 2nd time- XX/XX/21. I called this time and explained. Then on XX/XX/21 FAILED and returned to me. Specifically I called and talked to a teller who promised she would process payment. 

This company is fraudulent and rejecting payments to charge interest. I will also file a complaint with the XXXX  but I think one should investigate this company.
Consumer complaint received 2021-09-10
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. (DE)

My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.
Consumer complaint received 2022-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

I have asked for a debt violation time and time again. Pursuant to 15 U.S.C 1692  ( b ) upon receipt of this rescission i am not liable for any of these charges because there is no violation, and this account has been charged off which i have not benefited from this.
Consumer complaint received 2018-02-02
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. (OK)

I have multiple missed student loan payments on my credit report from previous years back that I was not aware of. I never received any information about paying my students loans. The history even shows scattered months on on time payments and then months where the account was past due for 30-90+ days. Im not sure when I started being held accountable for these payments. Once it was brought to my attention for the first time I immediately contacted the company for deferment due to me not being able to afford these payments at the time.
Consumer complaint received 2021-07-08
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2016-07-14
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Esser, James & Associates (MN)

Called me, and co-workers 3 times at work after being specifically told to NOT call, my work place, all 3 times threatening to take legal action, and stated a " case '' number. Meanwhile, they have never even identified a " debt '' I supposedly owe OR the actual reason they are contacting me at all. XXXX violations at least, + left voicemail message on work phone threatening legal action. Spoke to XXXX XXXX @ XXXX XXXX/XXXX/16, and XXXX XXXX XXXX senior rep '' @ XXXX XXXX/XXXX/16, who started yelling at me on my work phone threatening to sue me. I will be suing them in small claims court for {$1000.00} per violation.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I submitted a complaint against TransUnion on XX/XX/2021 because incorrect and outdated negative information was being reported by TransUnion even after I provided supporting documentation. A supervisor even admitted that they had received updates from the lender to delete the information but refused to do so because of a unrelated pending dispute. 

Part of the original complaint was that TransUnion was factoring a paid collections account into my VantageScore 3.0 in direct conflict to information regarding the scoring model on their website and listed on various other consumer sites. 

Today after positive information was added regarding my newly transferred active student loans which were previously in default my score dropped XXXX points. There was no negative information included in any way shape or form and should have increased my score since o have no delinquencies or collections on my account. As far as research I was able to study the XXXX XXXX is calculated as such : Payment history- XXXX XXXX Credit utilization : XXXX XXXX Credit age : XXXX XXXX Credit mix : XXXX XXXX New credit or inquiries : XXXX XXXX 

Today I received an email from TransUnion regarding how my score is calculated, which I do not believe is a coincidence since it should have improved not gotten worse. Ive attached screenshots from that email. After searching the web for hours I could not find any published information regarding this version of VantageScore 3.0 It goes as follows ; Payment history : XXXX XXXX  Age and type of credit : XXXX XXXX XXXX of credit limit used : XXXX XXXX Recent credit : XXXX XXXX  Available credit : XXXX XXXX  I believe this change to how my credit report is being scored is a direct retaliation for submitting a complaint to CFPB. I have searched credit forums, message boards, knowledge base articles and can find no reports of a similar scoring system being represented as VantageScore 3.0. There needs to be an investigation and consequences for what I see as a blatant attempt to sabotage my financial stability and punish me directly for submitting a CFPB complaint.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to address the late payments listed on my credit report. Upon reviewing my credit history, I noticed that there are late payments reported for the accounts XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

XXXX XXXX of IQ data international has called me repeatedly over the last few years threatening that they will ruin my credit. Harassing me about a large lump sum of money I dont owe them. Threatening to call my employers and family members to retrieve money at all costs. Ive seen stories from others on how harassing and vile she can be. Ive asked to be transferred to someone else within the company, a manager or ANYONE else, she just snickers and talks down to me.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (GA)

I have XXXX separate loans through Sallie Mae since the year XXXX in attempts to get through tuition costs at my University. I have since graduated from my University with a XXXX and currently have a full time job. For a year after graduating ( in XXXX XXXX ) I was on a " graduate repayment plan '' which caused my payments to be lower and affordable. This XXXX my loan repayments have gone up to $ XXXX/month which I have called multiple ( 10+ ) times in attempts to get lowered as I currently do not make enough at my full time job to afford that much in student loans as well as all of my other bills. The people at Sallie Mae have given me and my cosigners the run around every time we call. I have even tried to explain my income and expenses and my cosigners tried to explain why they were unable to help me, but they did n't care. They 've been hassling myself and my cosigners with 3-6+ calls a day even though I paid {$220.00} out of the {$380.00} on my loans which is all I can afford. Their only " options '' for me are to either put my loans in forbearance which will put me right back in the same situation I am in now just a year later, or for my cosigners to pay what I can not to make my monthly payments be the entire amount. Regardless of the fact my cosigners are unable to help with the amount Sallie Mae is asking and should n't have to as I can make payments as long as the amount is lowered. I 'm willing to pay less for longer ( which ultimately results in higher interest payments from me, but it 's what I need to do at the moment ) and they said that was unacceptable and I did n't have an option in not paying the total amount they were asking unless I took forbearance. I 'm not trying to skip out on my payments, as I 'm currently still paying what I can and up until the payments got raised I was making every payment in full on time every month. But they refuse to work with me so I can have lower affordable payments and as a result, myself and my cosigners are getting harassed, I 'm getting threatened with collections and delinquency and the possibility of ruining not only my credit but the credit of my cosigners.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (PA)

My private student loan company, Sallie Mae, will not offer any alternative type of payment plan. My payments have gone up to {$760.00}. I contacted them several times but they offer no options. The only thing I am told is they offer a direct debit payment option. How is that any help if you ca n't make the payment to begin with? I do not want to default and want to pay something reasonable but they just wo n't budge.
Consumer complaint received 2018-01-31
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: SYNCHRONY FINANCIAL (MD)

I have contacted this company a total of 4 times. Each time, the fraud department said that it was an accident and they would remove it from my credit report. Each of those 4 times, I've waited 30 days and the credit inquiry still stays on my account. I'm not sure what to do at this point. Someone in the fraud department says it will be removed, but it still isn't getting removed. This has been on my report since XX/XX/2016.
Consumer complaint received 2016-09-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Credit & Collection Corporation (PA)

Since XXXX XXXX to XXXX we received a daily recorded message to call Global Credit XXXX XXXX XXXX regarding a debt. We never returned these calls. WE DO NOT HAVE ANY DEBT.
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: First Data Corporation (IA)

I received a telephone solicitation from XXXX offering to handle our credit card processing at my business. I asked if the agreement was cancel-able and was told yes. I received equipment from the companies provider and one of my employees set it up and started to use it, but I disconnected it, and called XXXX to cancel. All equipment was returned to First Data. It took many weeks to get XXXX to cancel and in the mean time my bank account was charged for lease payments. I called First Data Systems to tell them I had cancelled but was referred back to XXXX. First Data is now trying to collect XXXX dollars for the cancelled lease. I requested they stop withdrawing payments from my bank account but they continued to do so I finally got the bank to quit accepting their debits. First Data have turned this over to a collection agency who says they will charge us XXXX dollars to settle and garnish our accounts.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX XXXX ACCOUNT XXXX {$900.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXXXXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$740.00} XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (CA)

LexisNexis has my phone number associated with a XXXX XXXX. I originally contacted them in XXXX of XXXX and asked that they remove my phone number from the account for XXXX XXXX. The person I spoke with informed me that the only way to remove the number is for them to send a letter to the address on file. I explained to the person that not only do I not live in the state of Texas, I have no association with that address and would be unable to receive correspondence. I contacted them again in XX/XX/XXXX and was able to have someone verify that my phone number was not associated with XXXX XXXX, however, they would only put a statement on file to not contact the XXXX XXXX at that number. Im receiving more calls and texts now, so that clearly did not work. I want my phone number permanently removed from XXXX XXXX account. I am royally confused to their persistence in keeping information on someones account that they know is incorrect. It takes a lot of time to figure out how to speak with someone at LexisNexis.
Consumer complaint received 2020-06-22
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. (MD)

Experian has allowed a fraudulent account on my credit report, from XXXX, for {$140.00}. The account is not mine. I have no knowledge of this account. I have reported this to Experian. I am asking Experian to remove the fraudulent account from my credit report.
Consumer complaint received 2018-01-31
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: JPMORGAN CHASE & CO. (CA)

Raw Message Printable View I am writing to you because I received a bill for {$11000.00} from ChaseXXXX. I called and discovered an account was opened using my social security number. I also discovered that someone attempted to make payments on the account. These fraudulent payments were attempted to be made from an account that I closed out as due to fraud on XX/XX/2017. I have the closed account statement from XXXX XXXX. I did not make these payments. I also received a letter from Chase regarding a request for a new card that ends with XXXX. There was another address associated with that card and I have never requested a new card, nor have I ever lived or been associated with the address that the new card was requested to be sent.
Consumer complaint received 2016-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Bonneville Billing and Collections (OR)

Bonneville Collections for a {$260.00} XXXX bill. Agreed to make XXXX payments XXXX in XXXX 2016 and the next in XXXX 2016. 
Made first payment of {$110.00} on XXXX/XXXX/16. 
Received a voicemail on XXXX/XXXX/2016 at XXXX. 
Returned phone call at XXXX on on XXXX/XXXX/16. 
Talked to a representive named XXXX. 
XXXX did not know why the collections company contacted me than demanded when will I be making a payment. 
I informed him that I just made my first payment a week ago. 
XXXX continues to ask me when will I make another payment. 
I let him know that this is harrassment to call and demand money when I just made a payment only a week ago.
Consumer complaint received 2022-03-31
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 (NC)

Early Warning is lying in their reply to my complaints. 
They have obeyed the law, blocked the item as required, then broken the law by reinserting the item WITHOUT the authority of the law. 
The info is coming from the bank, XXXX. They are in cahoots with each other. 
Early Warning is the CRA, they report the info XXXX gives them. I, as the consumer, can provide 4 documents to the CRA and by law, the CRA must block to items I identify in 4 business days or less. 
Early Warning has done this multiple times. 
Now the law, section 605B of the FCRA allows the CRA to reinsert the item if 1 of 3 criteria is proven. 
1. Asked block was in error. 
2. Material misstatement of fact by consumers. 
3. Proof that the consumer received goods or services from the blocked item. 

These are the ONLY 3 reasons a block can be lifted. 
NONE of those 3 exist. All 3 are not true. How does Early Warning add the blocked item back onto my file with them? They break the law blatantly then call my complaints frivolous. If they are true and backed by the police findings and law, how can my complaint be frivolous?