davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc. (TX)

On Tuesday XX/XX/2022, I visited XXXX XXXX aka XXXX XXXX XXXX XXXX. I was inquiring about a new set of tires and rims. XXXX XXXX helped me by answering my questions about tires and rims. We went through pricing and she verbally provided options for different repayments for loans. While I was there she had me fill out a 1 page document of basic PII information. Name, DOB, SSN, address, bank info, etc. 
she provided me with an approval amount XXXX. I was then asked to provide a code/PIN that popped up on my phone via text message. I provided the PIN number it was not until today XX/XX/2022 that I realized she had logged into XXXX XXXX acting as me the consumer creating my profile, adding acct info., and accepting my terms and conditions. I was told on XX/XX/2022, to allow 24 hours to see my loan info. It was in fact not a loan when I logged in utilizing a PIN sent to my cell phone on XX/XX/2022 but in fact a lease where I would pay weekly an amount of XXXX. I have attempted to cancel all day with the business and also American First. They have both said NO even though I have no tires or rims on my vehicle. This business is defrauding their customers everyday.
Consumer complaint received 2022-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (NY)

I have used zelle to send my rent for the studio i rent. And come to find out after i have sent the money. The lady says her zelle email changed. But my payment went through. I cant cancel the payment of {$650.00}. Zelle wont let me cancel this transfer.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

Spoofed through Indeed.com applying to an ad for a XXXX XXXX On XX/XX/XXXX, I answered an ad for XXXX XXXX  on XXXX XXXX XXXX, XXXX of XXXX, contacted me and sent information. I signed up and agreed to the job description. I submitted my American Express ( AMEX ) card ( only the numbers ) and was given an advance to begin my assignments on XXXX. AMEX sent me confirmation that stated that the credit had been received. Over the course of XXXX to XXXX, I received payments of {$18000.00} ( see below XXXX of the AMEX confirmation emails ) deposited into my AMEX account for buying merchandise and gift cards. After completing the assignments for XXXX, ( filling out a survey, and photographing the receipts/gift cards, and merchandise ) I was paid {$400.00} for each task. On XX/XX/XXXX, I received an email from AMEX stating that my credits had been reversed. I immediately called the AMEX and talked to XXXX XXXX ( XXXX ). She advised me that I had been exposed to fraud and that XXXX XXXX the financial institution that had issued the credits had reversed all credits. XXXX XXXX stated that the Customer Advised was not authorized. XXXX XXXX ( an expert on internet fraud ) then stated that she has witnessed this type of situation at least 12 times a day. XXXX XXXX then advised me to start the process of reporting my fraud to the various agencies that can help me document it. If AMEX had seen this type of fraud, before why didn't they catch what was happening. AMEX has recorded all my conversations and in good faith, I did approve these transactions because AMEX validated them through emails.
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2022-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I was notified by collection on my credit that there was a defaulted lease at an apartment complex in XXXX Tennessee at the end of XXXX through XX/XX/XXXX. I have owned my house in Georgia since XXXX. This debt is not mine. I have tried disputing it, unsuccessfully. 

Debt was reported from Genesis Credit Management in the amount of {$2200.00} on XX/XX/XXXX for a defaulted lease at XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX Tennessee. I have filed a police report with the XXXX XXXX XXXX department in XXXX Georgia, where I reside. 

The complex would not provide me with the documents that they used to lease the apartment.
Consumer complaint received 2022-04-11
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-08
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

On XX/XX/2022 my mortgage insurance company sent an invoice to PennyMac my loan servicer for my annual homeowner 's insurance premium totaling {$1300.00}. As of XX/XX/2022 they still have not paid my homeowner 's insurance carrier, but decided to pay their own carrier {$3700.00} from my escrow account. I consider this nothing more than Fraud. I have submitted to them the correct invoice for payment, and demanded they refund my escrow account, and as of now they still haven't done so.
Consumer complaint received 2022-09-12
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. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, AZ XXXX XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX XXXX INT Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 11. The following personal information is incorrect Employer XXXX - Account Number : XXXX
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

About a year ago I obtained a capital one XXXX and used it to start building my credit. Over the period of having this card I experienced, on multiple occasions. My payment being declined, despite having more than enough money to cover the payment, the payment wouldn't go through, or some other erroneous reason would be given on why the payment wasn't processed. However once having customer service on the phone, the payment went through fine ( using the exact same bank account. ) Despite this. My credit score was on the rise. Even going over 600 and encroaching XXXX. The last incident of no payment resulted in the company canceling my card. They stated that the reason was due to issues making payments. The same week they canceled my card, they also sent me a congratulatory email, praising my own time payment history. This felt criminal what this company was doing, and borderline harassment. Since the issue of the last payment not going through and my plan being canceled. My credit score dropped almost XXXX points. I want an official complaint made and if this doesn't work, I will seek private representation. I worked very hard to build my credit... I have struggled in life and finally gotten on the right path but what this company has single handedly done to negatively effect my credit and subsequently, my life, is extremely demoralizing. I really hope some one sees this and takes this seriously. They were in the wrong, I called them out for it. And they retaliated in what feels like a direct attempt to ruin my credit... I have proof..
Consumer complaint received 2022-09-13
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. (TX)

I sent off a certified letter to Investigate my account on XX/XX/XXXX & they have not responded back via a proper letter. Neither was proper investigation done. They instead allowed the collector to send me a collection notice. Here is my tracking # XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-12-01
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 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 Experian credit bureau to validate this account ( A ), 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 items 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. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2024-12-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I have had constant unsolicited phone calls from Eastern Account System of Conneticut Inc XXXX XXXX  XXXX XXXX CT XXXX They call over and over multiple times in a row when I am at work and disrupt my focus at my job. 

Between XX/XX/XXXX and XX/XX/XXXX I was in a time zone that was 12 hours ahead. Between these dates I received no less than 48 phone calls, with all of them be received well past XXXX my local time. Many of them past midnight. These calls disrupted my sleep and caused me much distress.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

Account name : 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 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.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

I have a Charged OFF Account from Discover Account Number XXXX. I sent a notarized letter and a check to Discover to settle the account. Per USPS Tracking, Discover received both on XX/XX/XXXX XXXX. Per my bank, Discover cashed the check on XX/XX/XXXX. I spoke to a Customer Service Rep and was advised Discover will not abide by the notarized letter sent & the contract on the back of the check. I have a copy of the letter and the front & back of the check that was cashed. Discover is breaking the law.of 15 U.S. Code 1681 S-2. 
Discover rep acknowledged they cashed the check & will not follow the contract.
Consumer complaint received 2022-12-01
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)

My phone and wallet was stolen out of my car along with my social and DL They open a credit card through XXXX  XXXX Ive tried to close the account but they keep tryna tell me Im the one that opened The account which is not true very bad customer service XXXX  XXXX XXXX
Consumer complaint received 2022-06-08
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. (CT)

UPDATE TO CLAIM # 220516-8724860 TRANSUNION is in Federal violations in many counts and is liable for damages and remedy under 15 USC 1681n and 15 USC 1681o and i DEMAND remedy and legal proceeding. TRANSUNION has caused me tremendous harm in the form of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION is not taking me the consumer, FCRA and the CFPB serious in this matter and I demand remedy.as I requested in my invoice.
Consumer complaint received 2022-09-13
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. (IL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report.