davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-15
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. (KS)

Ive attached a list of all XXXX XXXX  issued under my MPN. Ive also attached a copy of the original XXXX. Ive disputed XXXX XXXX XXXX multiple times with because the account is fraudulent. XXXX and Experian agencies have chosen to keep the account on my report while never requiring any proof from XXXX as to the validity of the information they allege is accurate. The complete list of every loan disbursed is attached. I dare you to find that loan on this list. The list by the way is directly from the XXXX. I want the account removed immediately! The creditor has not once provided proof that loan XXXX was issued under my XXXX it is fraudulent!
Consumer complaint received 2024-11-08
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. (MI)

I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : TransUnion XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Late/Open XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Collection
Consumer complaint received 2022-07-14
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: Automated Collection Services, Inc. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor I have no idea why this is on my account! We like have this removed and a letter in writing. 

AUTOMATED COLLECTION  Last reported XX/XX/2022 {$750.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$440.00} Open balance XXXX XXXX Last reported XX/XX/2022 {$1500.00} Open balance XXXX XXXX XXXX Original creditor I would like to have all of these disputed!
Consumer complaint received 2019-05-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I went in to purchase a car that was on XXXX XXXX website for XXXX after paperwork was all done they charged XXXX for the car on XX/XX/24 before signing any paperwork I asked the dealer was the XXXX is what I was paying for the car the dealer assured me that I wasn't and said look at the sales contract which stated it was aroundXXXX. I received my paper from credit acceptance and it showed that I had a balance of XXXX. I contacted credit acceptance they advised me the dealer is the one that did contract and to contact them. I went back to the dealer and told them the ordeal and one of the dealers stated " I did not make u buy this car nor I did not show u this car ''. Basically saying they don't care they have thier money. So now I'm stuck in a 60 mos lease paying XXXX for a XXXX dollar car. This is obsurb.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Glasser and Glasser, PLC (NC)

I am at high risk for COVID-19 for health reasons so I can not go to court but I was sent a summary judgement. 
I believe in justice and the way I am being treated is not justice. The Plaintiff will automatically win because I am following NC Governor XXXX Safe at Home order. 
This stronghold and unfairness treatment for me and my well being is suspect at best. I am being set up to fail and not be heard. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions. I told the creditors lawyers this but Glasser and Glasser has made it a mission to harass me and go around the law to win their motions. 
I need this summary hearing postponed. 

XXXX XXXX XXXX File no : XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MI)

I received a debt notice, along with renewed judgment, on XX/XX/year> in re : transactions that were not made by me. I never gave written consent to Midland Credit Management, Asset Acceptance LLC, nor XXXX XXXX XXXX ( XXXX ) to report or furnish my information on my consumer report or any other entity.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (AZ)

Comenity bank bought out my XXXX from XXXX. I had accumulated approx. XXXX in rewards, comenity took over and now my rewards value has dropped to XXXX they say they are working on the problem. I have sent 2 bill pmts.and have had to stop pmt on both of them, one of the pmts had been in limbo for 16 days ( they said the mail is slow ) the first one they started finance charges. I have sat on hold for hours trying to get answers trying to straighten things out to no avail. I have sent a secure message to them and no answer. I am not a financial guru but I feel they bit off way more than they can handle. Thank you for looking in to this for us.
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (SC)

ONLINE INFORMATION SERVICES violated my consumer rights under the Fair Debt Collections Practices Act. I'm not sure where ONLINE INFORMATION SERVICES received information that I, XXXX, consumer in natural person reported identity theft or fraud. 
I am refusing the debt. ONLINE INFORMATION SERVICES violated Title 15 usc 1692 ( b ). They violated 15 USC 1692 ( c ) ( a ) ( 1 ). They violated Title 15 USC 1692 ( b ) ( 2 ). I will attached the other violations.
Consumer complaint received 2020-05-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc (CA)

I've been receiving repeated calls from a call center ( XXXX XXXXXXXX : XXXX ) that uses multiple numbers to get around spam filters. When I pick up the phone, there is no sound until I make a noise, and then I am forwarded to their call center where they pick up and automatically know my name. They demand that I confirm my name and provide information confirming who I am. They will not tell me what the call is about, how they got my number, or what their company does. I have asked for their business license to confirm that they are who they say that they are, but they won't give it to me. They say it's company policy not to give any information until they have confirmed my identity. Now, I'm trying to pay a debt to PayPal. When I call PayPal their phone tree connects me to an unknown number that someone picks up and says " this is the wrong number, call XXXX ''. So I do that, and I end up back at the call center that's been calling me. I've talked to a supervisor and informed him that it's against the law to call for debt collection and not state you are a debt collector before any communication. Yet XXXX XXXX, the supervisor I talked to said he still will not provide any information about his company. So my question is how can I pay my debt if I can not confirm that this company is legitimate? It's a direct violation of the Fair Debt Collection Act if indeed they are trying to collect a debt : https : XXXX : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 

Of course, XXXX  XXXX  did not confirm with me what their company does, but their supposed website does have a payment portal, which indicates to me that debt collection is something that they likely do. XXXX XXXX also offered to take my number off of XXXX 's call list still without informing me what he was calling about. If this really is an attempt to collect a debt, I would want to know before you remove me from the list! How can I even pay my debt if this is the company that has it and they won't identify themselves?? Very very shady.
Consumer complaint received 2022-07-14
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Investigation Request Letter To whom it may concern I received a copy of my consumer report in pursuit of trying to improve my consumer report and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting rigjt or wrong im saying i am not 100 % sure if they are. The Fair Credit Reporting Act gives me rights to challenge anything i am not sure is accurate. In 15 U.S.C Sec. 1681 i ( a ) it states if you caint provide proof these accounts must be deleted if they are not 100 % accurate. So I would like these accounts properly verified and removed if there's anything missing. Also According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
And i have not gave any written instructions to furnish anything on my consumer report XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct if not please remove it from my consumer report XXXX XXXX Please investigate if every piece of information is correct if not please remove it from my consumer report
Consumer complaint received 2022-07-14
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Investigation Request Letter To whom it may concern I received a copy of my consumer report in pursuit of trying to improve my consumer report and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting rigjt or wrong im saying i am not 100 % sure if they are. The Fair Credit Reporting Act gives me rights to challenge anything i am not sure is accurate. In 15 U.S.C Sec. 1681 i ( a ) it states if you caint provide proof these accounts must be deleted if they are not 100 % accurate. So I would like these accounts properly verified and removed if there's anything missing. Also According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
And i have not gave any written instructions to furnish anything on my consumer report XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct if not please remove it from my consumer report CONSERVE XXXX Please investigate if every piece of information is correct if not please remove it from my consumer report
Consumer complaint received 2020-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

I have had my identity stolen twice since I moved to XXXX  in XXXX. Between XXXX, someone falsely used my information and obtained cable  from XXXX in my name. The cable was listed on XXXX XXXX. However, I have never lived on XXXX XXXX and I don't know anyone that lives on this street. 

A collections agency has sent my letters in the mail attempting to collect money for this XXXX XXXX  bill. The name of the company is called CONVERGENT OUTSOURCING, INC. Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and telephone number is ( XXXX ) XXXX. 

I have called them many times to explain that I had my identity stolen and police reports to prove this and I have never ordered XXXX XXXX at XXXX XXXX in XXXX, nor have ever lived on XXXX XXXX. They keep sending me letters and now are sending my mother letters in the mail. 

About a year ago, I filed a complaint with XXXX  and had this removed from my credit with them. However, it is still on my XXXX   credit. I would like this removed immediately and if I can not get it removed I would like to file a lawsuit against this company. 

I am tired of this and should not have to keep reporting this.
Consumer complaint received 2020-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

XXXX XXXX  XXXX  filed an eviction with an amount of {$4000.00} owed. The eviction was filed after I no longer lived there. I moved out of the apartment at the end of my lease in XX/XX/2018. I believe the eviction was filed in XXXX or XXXX. The debt is now held by National Credit Systems. 
Furthermore, I was not in any way notified of action being taken against me. I was unable to dispute the " eviction '' or amount they claimed I owed them. I did not know anything about this claim until a year later when I noticed it on my credit report. 

The money is not owed and I was not given a chance to dispute it or show evidence. I was not notified that any action was being taken.
Consumer complaint received 2022-07-14
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account 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, 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (VA)

I am the custodian of a business checking account for a small student organization at a public law school. The account is held with Wells Fargo, which is also my primary personal depository institution. Our organizations fund balance was XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, Wells Fargo began charging a $ 10 monthly service charge to the account ; the description of fees provided on the statements claims the account must maintain a balance exceeding {$500.00} to avoid this fee. 

This fee had never been applied previously was not disclosed to the account custodian at the time. There were no changes in behavior from the organization from XXXX XX/XX/XXXX to present, no documents signed on or around XXXX XX/XX/XXXX when the fees were first applied, and no communication of any change to any agreement or contract on or around XXXX XX/XX/XXXX or otherwise. 

The issue went undetected until XXXX XX/XX/XXXX, due to infrequent use of the account for expenses by the organization, at which point {$80.00} had been drained from the account by service charges. The account has been with Wells Fargo since XXXX ; at no time, as best I can discern from the record, was this fee ever applied. I do not know, but doubt, that it was originally included in the contracts associated with opening the account. It appears to be a retroactive change in long-standing policy without any notice. 

The organization rightfully relies on the understanding that there are no maintenance fees and routinely maintains the account with less than {$500.00} dollars. Had we been notified of this fee or had it been addressed during a contract negotiation, we would have either changed our depository behavior or taken our business elsewhere.
Consumer complaint received 2021-10-15
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. (GA)

In XX/XX/2020 an derogatory account was reported for the amount of {$2300.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I am in desperate need of this account being removed.
Consumer complaint received 2022-07-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (RI)

I noticed that there is a debt that has been placed on my credit report in collections from a speedy cash I have emailed called faxed over several requests to the debt collection company AD Astra and told them it was fraud due to my info involved in several data breaches XXXX XXXX, XXXX XXXX XXXX and also XXXX my social has been found on the XXXX web
Consumer complaint received 2022-07-19
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. (LA)

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$590.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$360.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-14
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. (TX)

XXXX XX/XX/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 PLEASE REMOVE OTHER NAME ON MY CREDIT REPORT I ONLY GO BY XXXX XXXX ', PLEASE REMOVE ADDRESS I LIVE AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

I tried to use my card at multiple locations. It did not work at the last 2 : at XXXX XXXX  and another location. My card has rewards if I use it at an XXXX location or a participating restaurant so I am missing out on my rewards and have to use other cards. Amex has not solved my problem or even tried. I want them to credit me for the rewards.
Consumer complaint received 2022-06-14
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 n i made this clear for XXXX 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 us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.