davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OneMain Finance Corporation (VA)

I have a credit card from a company called One Main Financial/ XXXX  I reported that this credit card was stolen out of my car along with other items almost a whole year ago on XX/XX/XXXX. They claimed that they will block the account from further use. I then received the bill around XX/XX/XXXX showing that there were merchant charges on the account around XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I then called One Mains customer service at XXXX. I asked them why is there new charges on my card AFTER I called them and reported it stolen on XX/XX/XXXX. The rep stated the account is still open and there is no note that says it was stolen. I strengthened said that Im not paying for those new charges and that they need to block my stolen card from usage. The rep said okI blocked the account from usage. On about XX/XX/XXXX, I received another bill, and this bill had some more Brand New additional charges at other Merchants. So obviously the last 2 representatives LIED to me and told me that they blocked my account. So I called these One Main/ XXXX card people for the THIRD TIME over the same issue. I asked this rep, is my account blocked, closed or open? The rep said the card is open. I said why is my card open after I reported it stolen TWO times before in previous months. The rep said its no notes on the account that says the card was stolen. I asked what the XXXX is going on? The rep claimed that she is not allowed to block the account, and she will have to transfer me to get them to do that. I said that is the weirdest thing Ive ever heard of. I was then transferred to the retention department. I asked why hasnt my account been blocked since it was stolen.rep said, there is no note, but I will block the account. After that call, I then, suspiciously called them right back and I asked the new rep is my account blocked. This rep says no, its still open. I said close the account then.this rep stated that they will NOT close the account and they will not block it, for being stolen either. Then I told them I wont pay anymore on this account and they just need to take me to court that way I can explain to the Judge about their deceitful business tactics and their dishonesty as far as blocking my stolen account. So to make a long story short, even with all of this back and forth, this crooked Company, ONE MAIN FINANCIAL XXXX credit card has refused to block my account after I reported stolen. They also refused to close the account after my last phone call with them on XX/XX/XXXX. 
So this stolen card account is still OPEN almost a year later. They charge a XXXX to XXXX dollar annual fee every year, and apparently that is revenue for the company and apparently, they feel it easier to rack up charges and annual fees. Because againthats revenue.even if the card is stolen.
Consumer complaint received 2022-09-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc. (CA)

XXXX trying to charge me for shipping charges on a shipment they lost. Total amount of the charge was {$320.00}. I just received another threatening letter from them. The XXXX invoice date on my account XXXX is XX/XX/2022. I filed a claim with XXXX  on XX/XX/2022, original claim number is XXXX. I did a screen shot and made a pdf of the on line form for this claim because the on line system locked up every time I tried to submit it. There are other claim numbers that XXXX assigned later : XXXX is one of these. The credit card statement came and the charge was on there. It was disputed : XXXX 1 claim # XXXX. All supporting documents were sent to the credit card company and they made an adjustment amount of {$320.00} to the card : reference # XXXX. The credit card company has refused payment for the charge. My material supplier reimbursed me for the cost of the material already and filed a XXXX claim on their end. Since I had the material charged to my XXXX account, I had to file a claim for the shipping amount from my end. 

As of this date, EGS Financial Care , Inc., a collections agency has contacted me 3 times on this matter, I submitted the proof of non delivery by XXXX each time. Now XXXX is still trying to collect on this one. 

I have attached the non delivery notice and the original claim docs here. There is about a dozen more, a testament to the total run-around they gave me. If you need all of it, I can send them. The non delivery notice is the big one.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (LA)

I have a derogatory remark from a law firm in Texas that is a collect agency. That law firm purchased an old Dept from the year 2006 when XXXX XXXX ambulatory services took me unconscious to the hospital. The debt is now 16 years old and I filed a dispute with all 3 credit agencies about it. Of the 3, Experian is the only agency that has failed to take it down and that is after I filed 3 different times with them to have it removed from my credit rating.
Consumer complaint received 2020-12-05
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. (FL)

On XXXX/XXXX/2020 I received notification from my credit monitoring companies shows that a credit card account from XXXX  were reported to the Equifax credit bureau with the description reported as affected by natural disaster credit card. I called XXXX  and the customer service rep says that my account is not on any disaster plan. I called Equifax to dispute the charge and Equifax and were told that there wasn't anything in the description says my account were affected. I have a screen shot copy from the credit monitoring it's been other occupation where Equifax has reported and inquiry from XX/XX/2020 in XX/XX/2020 it showed up on my credit report and when I called the company they didn't have any knowledge of that inquiry. This has cause a halt with my credit score because Equifax keeps reports errors that harming my credit. Being a XXXX XXXX and working very hard to achieve a better credit score and for the credit bureau to report these errors and to have a lower credit score is very emotional hurtful.
Consumer complaint received 2020-12-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.
Consumer complaint received 2020-12-06
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. (HI)

I have been trying to work with Equifax XXXX  and XXXX on resolving inaccuracies on my credit report I will attach one of the letters showing the discrepancies on all 3 that need removed. My last attempt at contacting the took more then the time allotted for them to reply/no response at all to the investigation all items were sent by certified mail and they did not remove the items. As I have stated I have been disputing since the first of the year these inaccuracies and they refuse to fix the issue or ignore me entirely. All 3 bureaus are reporting inaccurate information..re aged accounts etc.
Consumer complaint received 2022-05-26
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2020-12-05
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. (TX)

In response to your dispute results and my previous compliant XXXX Reference : Report Number : XXXX Report Number : XXXX Report Number : XXXX Experian, OnXX/XX/XXXX I received your response and Im challenging the incorrect information provided on my credit report. Im providing additional relevant information. Im requesting immediate deletion of these unverified accounts. Experian you have clearly violated the law by reporting the incorrect credit account number and date of last payment. In addition, you are reporting my name incorrectly as shown on the reports I included. 
Furthermore, you violated the law by not providing me the documents you used to verify these fraudulent accounts. Experian continues to misspell and misuse my information by reporting incorrect account numbers, addresses, and late payment ( s ) therefore I dont trust your investigation results. Im requesting Experian to comply with the FCRA and conduct an outside investigation and mail me the documents used to verify these accounts.

Im requesting all original contract ( s ) with an outside investigation conducted and the results forwarded to my mailing address. If Experian fails to provide the original signed contract ( s ) in addition to investigation results, then according to the FCRA law ( s ), you are required to delete this information. 

Experian is preventing my family and I from getting our dream home because of this incorrect, unverifiable, and fraudulent accounts. Experian sends me automated results and does not conduct any investigation because i have not been sent or provided with any verification documents. This is putting my life on hold.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (WV)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 

Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-03-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date opened XX/XX/2020 Balance : {$2400.00}
Consumer complaint received 2020-12-06
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. (FL)

I ve had an account with XXXX XXXX  open XXXX XXXX since XXXX 2012 until current. Ive attached a bill from past to confirm im daying the truth. I was victim of identity theft and open XXXX XXXX fixed the error. The credit bureaus have not updated. This account as XXXX. Time never late. Credit limit is XXXX anf balance is only XXXX dollars. Please have credit bureaus update records
Consumer complaint received 2023-03-17
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items 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 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2020-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ve had an account with XXXX  XXXX open XXXX XXXX since XX/XX/2012 until current. Ive attached a bill from past to confirm im daying the truth. I was victim of identity theft and open XXXX XXXX fixed the error. The credit bureaus have not updated. This account as XXXX. Time never late. Credit limit is XXXX anf balance is only XXXX dollars. Please have credit bureaus update records
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Prosper Marketplace, Inc. (PA)

I signed up for text alerts with Prosper for f them to send me a text when my payment was five days before it was due. I also signed up for email that would tell me when my account would be due in five days. I did not receive an email and I did not receive a text. I was then alerted on XX/XX/XXXX at XXXX XXXX through an email that my bill was due. However, my bill was actually due on XX/XX/XXXX. This means I shouldve received an email on XX/XX/XXXX and a text on XX/XX/XXXX. I did not receive either. On the afternoon of XX/XX/XXXX at about XXXX XXXX I received a text and an email telling me that they lowered my credit limit from {$2500.00} to {$850.00}. I called immediately and asked what happened my credit score did not decrease and I did not owe a payment. They told me I did owe a payment, and I explained that I received no notification of this when I had signed up for all email and text communications. The lady I spoke with instructed to me that she was sorry there was nothing she could do. She indicated they would re-review the account within a year. I told her I could pay the minimum due, and would have had I known that it was due. I asked if there was any kind of grace period or if there was any thing they could do to help me out since I have been a loyal customer. She apologized and said no. 
I am very frustrated with prosper, and disappointed that they would treat a customer with such little regard. Such a decrease in credit limit affects my credit significantly.
Consumer complaint received 2023-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (MO)

XXXX XXXX XXXX XXXX threatened to sue me for eviction after I filed for assistance with XXXX XXXX XXXX XXXX XXXX. They continued to harass me until I moved out of the apartment. Afterwards, I was notified that the eviction was canceled after my approval for rental relief. They opted not to accept the rental relief assistance, and instead referred a XXXX collection account to National Credit Services . I have disputed this account on my credit report multiple times as I was terminated from a previous job during COVID and had debt assistance that should have canceled the rent. Additionally, I had a deposit contract, as recommended by the leasing company, that would have released me from any obligation to repair or pay and I was charged both in the final invoice.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-08-09
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. (CA)

Your company is in violation and reporting fraud on my consumer report. The company XXXX XXXX XXXX is involved with identity theft account and consumer request for immediate removal of the account listed as XX/XX/XXXX. XXXX has no right to solicit, report, collect and use my information to create a debt obligation to them I never agreed to. Consumer is filing lawsuit against them and Experian. Experian will be held liable for any more damages including previous damages for failure to honor my demand. This is not the first attempt to cure this issue concerning this account. Consumer has keep detail records for proof of claim of not only identity theft by Experian but also FCRA violations, FDCPA violations and Privacy Act violations. The named account within this notice is demanded to cease and desist all collection activities and consumer credit reporting activities. Experian is again on notice.