davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

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
Consumer complaint received 2022-10-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have had 3 accounts put into collections with Portfolio Recovery Associates. I had one last account which I paid off my last account on XX/XX/2022 in the amount of {$320.00}. The account was removed from my account about 2 weeks later. I then noticed that on XX/XX/2022 they added false information back according to my XXXX XXXX They added that I owe an account balance of {$16.00}. This brought my credit score down XXXX points. I contacted the company and they confirmed my previous accounts are all {$0.00}. I asked who should be contacted about correcting this false information that was added and the agent had no answer for me, only that he didnt handle credit reporting. He didnt tell me who in the company would. I feel like there should be some type of compensation or something done because this has hurt my credit due to no fault of my own.
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

This is a dispute and claiming a collection that was mistakenly placed on my credit report by XXXX XXXX XXXX XXXX' and " CREDENCE RESOURCE MANAGE '' in the amount of {$210.00}.
Consumer complaint received 2022-11-22
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)

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022 it's been well over XXXX days, I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have XXXX days to respond to my dispute. This is a violation of my rights.
Consumer complaint received 2022-10-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (AZ)

When I first purchased my vehicle on XX/XX/XXXX, XXXX XXXX XXXX financed my vehicle. My car was priced at {$7700.00} and with interest it came to a total of {$11000.00}. I paid my car payments every month at {$300.00}. By the end of XXXX, I decided to start working towards buying a house and got in contact with a lender. The lender told me in XXXX that in order for me to buy a house, I would need to pay something off on my credit. In doing so, I found OneMain Financial where they said they would pay off my current balance with XXXX XXXX which was {$6100.00} on XX/XX/XXXX. The loan I asked for from OneMain was {$3500.00} and was approved with that pay off. Because they paid off what was still owed on my vehicle, on top of my {$3500.00} loan the interest was set at 29.08 % making my TOTAL loan amount {$9400.00}. My monthly payments are {$290.00}. After making XXXX payments to the total amount, I realized my balance was not going down at the right amount. As of XX/XX/XXXX, my balance is at {$9300.00} still! I called on XX/XX/XXXX for an explanation as to why my payments are not being applied to the balance and OneMain claimed it was thew interest. The interest was already applied at the beginning of the loan so when I explained that to them, they said they didn't know but that was my current balance anyways. I, then, asked for my contract that I signed for the loan back in XXXX and I was told that they were not allowed to send me that contract in any way and that the only time I was able to access it would have been the day I signed the loan. So, a refusal of a contract I signed and an explanation as to where my money is going were not given to me by their choice. I let them know I would get in contact with a lawyer since neither one of those could be given and that these were consumer violations. I also was told that if I wanted to pay off the vehicle NEXT YEAR of XXXX, the amount would STILL be {$10000.00} which does not make any sense mathematically!
Consumer complaint received 2022-09-19
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)

DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 

XXXX XXXX XXXX Inquired on XXXX On record untilXX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

I have documents of my security freeze placed XX/XX/, with extended fraud protection. but still see inquiries on my account, as a Victim of fraud, XXXX, XXXX and other institutions, used and complied incorrect information about mw with out letting me make corrections to these accounts that did not seem recognizable. these companies did not investigate this mater as I have a written letter to the data furnishers that the information I had got verified with notary did not match their records, there fore they are resorting to report the wrong information. this led to XXXXnjury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I demand XXXX complies or i will be using all documentation as evidence to show in court I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Vitim of fraud, XXXX did not investigate this mater as I have a written letter from the data furnishers that the information I had got verified notary did not match their records, there fore they are presorting to report the wrong information. this led to Injury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I
Consumer complaint received 2022-11-22
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. (IL)

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2022-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ClearBalance Holdings, LLC (GA)

Hello I went to the hospital on XXXX the XXXXXXXX XXXX I gave them my insurance then a few days later I received a bill from this company that told me to disregard the bill and that the practice that this was sent to was in the network today XX/XX/2022 I received another bill for the same amount requesting payment
Consumer complaint received 2022-08-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (TX)

We were not used to borrowing before we bought our car back in XXXX, so we had not built enough credit before we contacted Santander for part financing to buy our car. They offered a very high interest rate and refused to refinance to a lower rate even after our credit rating improved to between XXXX and XXXX. 
So Sometime in early part of XX/XX/XXXX, we contacted another auto finance company to refinance our car loan which we have had with Santander Consumer USA for 2years. 
The new auto finance company requested Santander Consumer USA to provide them with the amount of our auto loan balance to enable them pay it and take the loan over at a much lower rate. 
Santander Consumer USA provided them with an overstated loan balance than what we actually owed. 
As a result, in XX/XX/XXXX, the new auto loan company sent a check to Santander Consumer USA in the sum of the overstated loan balance they were provided by Santander. 
Santander Consumer USA then sent us an acknowledgement letter in XX/XX/XXXX of the payoff in settlement of our account with them, and they further explained in the letter that they will reconcile our account and send us a check for any overpayment difference by XXXX XX/XX/XXXX. 
We called them after the refund check wasn't sent as promised in XXXX. We were told it will be sent by XXXX. We called again when we didn't receive the check in XXXX. 
Its now mid XXXX and the check has still not been sent, which is why we are filing this complaint. 
To send official correspondence or checks even by USPS, it usually takes 5 working days to any location within the US. 
We believe Santander Consumer US is being dis-honest in this case and this may be their mode of operation to intentionally hold on to funds belonging to others, longer than they should, as a source of funds or cashflow to advance their business objectives, at the expense of consumers like us. 
We will appreciate your assistance to recover the sums owed us please. 
Kind Regards
Consumer complaint received 2022-10-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-16
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. (FL)

I Sent all my documents to all 3 credit bureaus. They have not sent me anything proving that these fraud accounts are mine. I requested the step by step procedure on how they verified and they have failed to do so. so by law these account must be removed asap. I contacted the XXXX XXXX XXXX and also the attorneys general for this matter I f i have to i will seek compensation for this illegal situation that 3 of the credit bureaus did. I am going to request that the accounts be reinvestigated and removed asap from all 3 bureaus. per 15 usc 1681 you must listen to the consumer. I am telling you that these accounts are fraud and are a result of identity theft/fraud.
Consumer complaint received 2022-10-07
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX 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 instructio

ns 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 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MO)

Synchrony Bank was and is in violation of 15 US code 1601, XXXX XXXX 
Congressional findings and declaration of purpose. It clearly states when I read it that The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. There must be an informed decision for there to be an agreement, and that did not happen. 
The first thing is that I made an uninformed decision when I entered into this consumer transaction. 
Congress says in part ( a ) that there must be an informed use of credit, therefore this is a violation, as I made an uninformed decision. 
Next, in part ( g ) congress says the the person to whom the debt is arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or, if there is no evidence then by agreement. Synchrony is in violation because there is no evidence of indebtedness, only an agreement, and this " agreement '' which is null and void because I made an uninformed decision. 
I also need to see proof that they suffered a loss or injury from the transaction. I requested that proof and a copy of the 1099C they filed after the charge off. I am concerned there may be tax fraud in addition to consumer protection violations. I have learned that the IRS defines charge offs as income and income isnt supposed to be reported on the consumer report. However, Synchrony is reporting this income on the Credit Reporting Agencies which is in violation. 
Finally, in part ( K ), Adequate Notice, congress says there must be a printed notice clearly and conspicuously printed so the consumer is reasonably expected to understand. A computer generated notice of legal jargon was not understood by me, it was not clear and conspicuous and this is in violation.
Consumer complaint received 2024-11-20
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. (NC)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-10-07
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)

There are errors talking place with this account. First one being that the arbitration agreement provided by XXXX XXXX XXXX XXXX XXXX was broken by them. Claims are supposed to go through arbitration, and the claims they made did not. Second one being that an adequate notice was not given by XXXX XXXX XXXX XXXX XXXX XXXX according to 15 USCA 1602 ( k ). There have been more violations as well, but these have caused me mental Anguish, humiliation, and emotional distress. XXXX, XXXX, and Transunion are in violation as well by not following reasonable procedures made to guarantee maximum accuracy on my consumer credit report. I will have to move to arbitration if this is not resolved.
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (FL)

I applied for a vehicule loan i was informed by the dealer that my credit would be shared with one credit company Unfortunately I never verified my credit score to realize that my credit was ran multiple time.
Consumer complaint received 2024-11-29
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XX/XX/year>, My XXXX account was hacked -- the hackers changed my email address and booked several flights maxing out my credit card. 

XX/XX/XXXX XXXX the same day I contacted XXXX to alert them of the fraud. 

XXXX XXXX XXXX issues a refund to my credit card ending in XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX I notified my bank of the fraudulent activity. 

The bank told me they never received the refund from XXXX XXXX and they denied my fraud claim. 

XX/XX/year> XXXX sent me refund receipts and tracking numbers to confirm they had sent the refund to Bank of America. 

XXXX XXXX Bank of America told me " XXXX XXXX is lying '' and there was nothing they could do.