davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-03
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)

I have disputed the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX numerous times to Experian who refused to delete. I formally lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX and have never lived at XXXX XXXX XXXX XXXX XXXX XXXX. I called and Experian Rep refused to delete, I have written in my dispute and they have refused to delete and I have disputed online to no success. I did not live at this particular address although I lived at a address similar. I have submitted identity theft reports, and my old lease showing my old address similar to no avail. Experian is the only Bureau that is reporting this incorrect address.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (IL)

XXXX Ad XXXX of XXXX Description 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. 
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 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 XXXX XXXX 
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 2024-12-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp. (MA)

The core issue with the XXXX XXXX XXXX XXXX XXXX locate at XXXX XXXX XXXX, XXXX MA XXXX, on XX/XX/year> I had an apponitment with the sales rep named XXXX XXXX to discuss a new lease ageeement for a XXXX XXXX XXXX XXXX XXXX so I explicity explained my current lease situation as I might have a negative equity on the car I am attempting to swap with the new XXXX  XXXX  mentioned above then after discussion with the finance manager named XXXX XXXX who handed me a worksheet with the lease payments for the XXXX  car and did not mention anything that it is an offer or it has a limited time, so what I have informed the sales perosn XXXX that XXXX will think about and will revert back to him on XXXX, again no hints that the worksheet I have provided is for a limited time period. On XX/XX/XXXX I visited the dealership and had the same discussion then I was handed a worksheet a different one but I am unable to confirm since I could not find the old sheet from XXXX so long story short I was persuaded that it is the same deal and the sales rep confirmed that is the best option towards the negative equity situation and there will be a federal rebate for XXXX  models around {$7500.00} that will help to decrease the payments in addition to the traded car I was leasing. I signed the contract on XX/XX/XXXX however a week later I found the worksheet from XXXX that the sales manager XXXX XXXX handed to me so there were discrepancies in the lease payments and I did mention that to the dealership which refused to cooporate. I have all of the SMS correspondences and the worksheet I mentioned for your reference. The leasing company name is Stellantis Fiancial Services US.
Consumer complaint received 2020-07-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FISERV INC. (NJ)

Dear sir/madam, I had signed up for XXXX XXXX XXXX provided by First Data XXXX Services LLC in XX/XX/XXXX for my XXXX  of XXXX XXXX XXXX XXXX XXXX 

I was using their merchant services till XX/XX/XXXX without any problem. On XX/XX/XXXX, I processed two transactions for the total amount of {$740.00} using merchant service account ( XXXX ). When I processed these transactions on XX/XX/XXXX, First Data XXXX Services LLC cancelled my account and never released the fund of {$740.00} to me as of today. I contacted their customer service several times and talked to their supervisors ( XXXX  ) in  many occasions, at the beginning they told me that the funds will be released after 60 days from XX/XX/XXXX, they also promised me that someone would get back to me from their security department, and as of today - nor their security department or any one else has called me back yet. Rather than releasing my funds, they are charging my account and adding lot of fees unfairly. They have cancelled my account unfairly and because of them, i had to pay additional {$530.00} for their devices. They have also reported my name on the merchant services as misuser. 

I called their security department at least 20 times to solve this issue and there is no one to pick up the phone, I left several voice messages too but no responses back.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: TD BANK US HOLDING COMPANY (MO)

I filed protection under the Bankruptcy act XX/XX/2020, and Target Credit Card didn't adhere to the Federal Bankruptcy Law. The BK law protects from creditors like Targets. Doing the time I was under Bankruptcy, They reported late payments on my credit file. Also the law indicate the creditors can not report negative marks to the reporting agencies until the BK has been discharged. I would like this account deleted from my credit file as soon as possible.
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TN)

On XX/XX/2022, I received a text message from Credit Collection Services, stating that I owed XXXX XXXX XXXX XXXX {$1200.00}. I had no knowledge of the debt, since I haven't conducted business with this company. The text included a reference number and a link to the company 's site. I clicked the link and uploaded a PDF document, indicating that I had no knowledge of the debt and to provide proof that the alleged debt was in fact mine. This correspondence was sent via the company 's portal on XX/XX/2022. I never received anything validating the alleged debt, after sending a validation request. The only correspondence that I received were billing statements, stating that I owed the alleged amount. So on XX/XX/2022, I sent correspondence, yet again via the company 's website, requesting validation of this alleged debt. Still I received nothing. 

Today, XX/XX/2022, I receive notification from my credit monitoring service that Credit Collection Services has flagged my credit report with this alleged debt. I never received any validation of this alleged debt, yet they took it upon themselves to flag my credit report. This is a violation of the FDCPA and I want this inaccurate reporting removed.
Consumer complaint received 2020-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (CA)

We have tried to do a loan modification for years with RoundPoint. We were approved 3 times for federal assistance programs only to be denied by their investors. Recently I have tried to apply for a loan modification have have submitted the applications 4 times because they seem to not process the documents on time and state the application is now expired and have us reapply. Because we had so many issues with their documentation process we started working with XXXX a HUD approved agency. We are encountering the same problems were we submitted the same documents 3 times and they insisted have not been received. XXXX advised is to file a complaint.
Consumer complaint received 2020-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I paid a settlement amount to pay this loan off. I also paid to have it removed from my credit report with the letter they provided me stating it was paid and has a XXXX  balance. It was removed and Portfolio put it back on my repot for the remaining balance.
Consumer complaint received 2020-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureaus added a collection item on my credit report. I had no idea I had this debt until I checked my credit. They failed to send me any notices about this debt, with no phone calls or notifications. As soon I found out about the debt I paid it. They are in violation my 30 day right to dispute.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX Ad XXXX of XXXX Description 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 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 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 XXXXXXXX XXXX. 
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 2019-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX and Transunion are reporting 30 days past due on the XXXX XXXX partial account number XXXXXXXX-XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Consumer complaint received 2020-04-02
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. (FL)

I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND INQUIRIES THAT WAS ADDED TO MY CREDIT REPORT. 
A FEW YEARS BACK SOMEONE GAINED ACCESS TO MY PERSONAL INFORMATION AND WAS ABLE TO OPEN SOME FRAUDULENT ACCOUNTS. MY CREDIT IS NOW IN A VERY HORRIBLE STATE. 
I AM ASKING THAT YOU PLEASE HAVE THE DISPUTED ACCOUNTS AND INQUIRIES REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (DE)

This was a credit card which was opened and used fraudulently and when I reported this to Macys they investigated and agreed to close the account and all charges were considered fraud. Now I see this account as a debt and charged off which is totally misrepresentation of facts. I was categorically advised that final determination of the investigation was that these were fraudulent charges. I will be filing a legal remedy in this matter as well if this si not corrected on my credit report.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2020-04-02
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. (AR)

I decided to get my credit pulled due to a couple bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$140.00} XXXX   XXXX XXXX {$190.00} XXXX XXXX {$390.00} XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX {$220.00} XXXX XXXX XXXX/ XXXX {$12000.00}
Consumer complaint received 2020-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

My charge off account from 2013, has been listed on my credit report multiple times, the company XXXX XXXX, XXXX, XXXX XXXX, is the same company but they report they transferred it only to add a charge off again and lower my score. 
I have disputed this account with the credit bureaus and XXXX XXXX has Responded with it's correct information, which means they lied and I can file a lawsuit I want this off my credit report, they need to be investigated, they did this to my wife also.
Consumer complaint received 2020-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc. (TX)

I have tried multiple times to dispute this account with all credit bureau 's I am a XXXX combat veteran with a 100 % service connected rating when I call merchant & professional this morning and informed them of my  XXXX status the person who answered informed me that it was not his job to bill the VA and that when I am taken in a abulance it is my responsibility to tell the abulance company " XXXX XXXX XXXX XXXX '' that they should bill the VA. I asked for the account to be removed from my credit report and to send me an itemized bill so that I could forward it to the department of veterans affairs myself. I was spoken to very rudely and treated like a criminal by this person for a abulance ride that I don't even recall having gone on. I have disputed this account so much that the credit bureaus will no longer allow me to dispute it again. I do not know what else to do so any help with this matter would be great thanks and have a great day.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (KY)

On XX/XX/2020 Experian credit monitoring services began billing by credit card {$19.00} as a recurring charge. I made multiple attempts to contact Experian regarding this charge. I have made no purchase from Experian. However, Experian clearly puts up barriers to customer contact. No chat or email options are offered and, the phone number provided sends the caller to a robot menu. The robo system allows no option to speak with a human being. Instead, it just eventually ends the call. 
One option provided in the robo menu is " cancel membership ''. Although I never signed up for a membership, I have repeately selected the " cancel '' option. When I do so, the robot tells me that I have no membership. 
I reported the fraud to my credit card issuer ( XXXX XXXX ). My account was frozen and a new card was issued. Then, on XX/XX/2020, the fraudulent charge of {$19.00} appeared on the new credit card account. I have again had to freeze the card, and request a new card number. Clearly, Experian will continue to fraudulently charge this account regardless of how many times I change card numbers. 
This is clearly intentional fraud on the part of Experian.
Consumer complaint received 2024-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MI)

As i was reading my credit report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts ,XXXX CITICARDS CBNA are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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 2023-01-12
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. (NV)

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 U.S.C 1681. 

XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or have reasonable cause to believe that the information is inaccurate.