davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of tge alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX. {$66.00}, XXXX XXXX XXXX XXXX. {$160.00}, XXXX XXXX XXXX  XXXX. {$27000.00}
Consumer complaint received 2022-11-30
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. (CA)

As evidenced by the certified mail receipt # XXXX, Experian received notice on XX/XX/XXXX of XXXX XXXX XXXX XXXX XXXXXXXX, Exhibit/credit report to support the violations attributing to the defamation of character claims, and an invoice ; all provided in good faith as a way of resolving this matter without having to proceed with litigation. There has not been any correspondence from the company. Since the year XXXX, Experian has been made aware of inaccuracies on the credit report that have been harmful to the consumer and continues to justify these inaccuracies and other erroneous data based on verification that does not involve the consumer. As provided attached exhibit ; this company is clearly unruly and does not have the best interest of the consumer or the banking system in mind, as there is currently a {$22.00} million class action settlement due to their noncompliance as it pertains to incorrect information on the consumer credit report.
Consumer complaint received 2022-09-21
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Onity Group Inc. (MS)

In XXXX of 2022 I attempted to sale my house. I was notified that there was a second deed of trust held by XXXX. I had filed for bankruptcy some years back and was under the impression that the second mortgage was dissolved but it was not. It was transferred through multiple servicing companies and ended up at PHH mortgage company. I was notified by them that it was charged off and sold to XXXX XXXX XXXX ( XXXX ). I have had numerous phone calls with XXXX and can not get any information from them. The account is either on hold, closed or they can not find it. I have requested that IF there is a balance what are the options for for settlement and I am always told I will receive a call back or an email. In which I never receive. On XX/XX/2022 I was told they could not locate the account and I would have to speak to an offshore supervisor that was located in XXXX so he would have to call me back. I asked if I could hold to speak to him since I have yet to receive a call back. The individual I was speaking to raised his voice and told me that was not an option. At this point after several attempts to get the Deed released to my property I am frustrated and do not know where to turn. Any assistance would be greatly appreciated.
Consumer complaint received 2022-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I certify that i am permitted by federal and state law to file this dispute. I also understand that knowing and will misstatements or omissions of material facts constitute a federal criminal violation punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that i made. I am alleging that a person or company without my authorizations used my personal identifying information to apply for good services, or money, and was successful in creating some accounts all is being investigated by the XXXX.
Consumer complaint received 2022-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (IL)

No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-09-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (OH)

My phone and wallet were recently stolen at XXXX XXXX while I was traveling from XXXX, XXXX to XXXX, XXXX. I later noticed that there were XXXX orders on my XXXX XXXX account that I did not place. These orders were for a {$200.00} baby playpen and {$860.00} baby chairs that were delivered to someone named XXXX XXXX I don't know, in XXXX, at an address that is not mine. I do not have any children. 
I also noticed charges on my stolen credit card in my card app for payments to Affirm that were used to finance these purchases. 
My stolen phone was hacked into and my XXXX account was accessed, as well as stored personal information such as my Social security number and email which were used to apply for XXXX Affirm loans that were used to finance the purchases. 
I reported to both XXXX and Affirm that these orders are not mine. I sent in an affidavit to Affirm as well as screenshots of the delivery addresses of the unauthorised purchases, explaining that it is not my address as well as information about an Identity theft report I filed with the FTC. 
Affirm sent me multiple emails that I was still being held responsible for the loans taken out to finance the unauthorised purchases with XXXX. I currently live in the XXXX and have no idea who placed these orders on my XXXX XXXX account, nor have I used my XXXX XXXX account to place any orders to the XXXX.
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I tried to contact Transunion about reporting false information on my credit report that they refuse to update. This information is not accurate and hurting my ability to gain employment and credit. I know by law that they are only able to provide accurate and truthful information. I asked that the following inquires be deleted over 60 days ago. I contacted Transunion and one of their employees admitted on a recorded line that they did and will not do a fair investigation and report correct information.
Consumer complaint received 2024-12-02
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

* Date : XXXX * {$76.00} * Place : XXXX XXXX XXXX XXXX I asked for the reason why the use of the Visa gift card was rejected at the offline store ( XXXX XXXX ). 
I also asked why and how to solve XXXX XXXX XXXX XXXX process on the back of the card does not work. 
I kept trying to check the gift card registration and balance on the website they told me, but I kept trying to check the gift card registration and balance on the website they told me, only the phrase [ Your request can not be completed at this time ]. 

And then, I tried to make several calls to XXXX XXXX XXXX to solve this problem, but I couldn't even connect.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (NY)

Ashley furniture account number # XXXX I do not give your company permission to share, sell, release or report information derived from my consumer profile and that was derived from your data files within your systems. Reporting to affiliates or any third-party affiliates ( XXXX, XXXX, XXXX ) violates my privacy. The information you are furnished to CRA 's is inaccurate and incomplete. I am a consumer who has been the victim of fraud. I have a fraud alert on my credit profile that was ignored by your company to issue credit. Financial institutions have a responsibility to protect the privacy of the personal financial information of their customers and consumers.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I contacted another student about buying football tickets from them. We agreed upon {$20.00} per ticket. When I used zelle to send them the {$40.00} I owed, they told me it was not enough and did not agree to {$20.00} even though I have messages to prove they agreed. Their phone number has been disconnected and they have refused to return my money.
Consumer complaint received 2024-12-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (MS)

Moved my phone service from XXXX XXXX XXXX  to XXXX, XXXX subsequently paid off all phones and XXXX XXXX XXXX  then provided them unlock codes for all 3 phones on the account. Then I started receiving calls from Sunrise trying to collect a debt, when I asked representative on the phone to provide me with the info on the debt she was tryng to collect so I could go back to XXXX XXXX XXXX  she took my address and said I would get info in the mail, I haven't received it yet and now they are reporting on my credit reports. 

SUNRISE CREDIT SERVI Reported : XXXX XXXX, XXXX  - {$3700.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$3700.00} Highest Balance {$3700.00} Opened XXXX XXXX, XXXX  ( XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX XXXX Closed No Info XXXX XXXX XXXX XXXX XXXX SUNRISE CREDIT SERVI XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2022-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

My mortgage recently service released to Freedom Mortgage. During that process I was advised by freedom mortgage that my account was late at transfer and my payment has increased significantly and the reasoning for which is not supported as my account is not and has not been delinquent. At this point I want evidence of proper escrow analysis for the duration of my mortgage.
Consumer complaint received 2024-10-17
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-11-14
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: EQUIFAX, INC. (GA)

On XX/XX/2022, the CFPB issued a warning to Equifax, a consumer reporting agency, as a result of its failure to properly investigate disputes I have made about incorrect information on my consumer report. The CFPB stated : " Accordingly, consumer reporting agencies and furnishers must reasonably investigate disputes received directly from consumers that are not frivolous or irrelevant and furnishers must reasonably investigate all indirect disputes received from consumer reporting agencies even if such disputes do not include the entitys preferred format, preferred intake forms, or preferred documentation or forms. '' Therefore, as a consumer, I demand that the following accounts/inquiries be blocked and deleted from my consumer reported : XXXX XXXX XXXX XXXX Bank, XXXX Main and XXXX XXXX XXXX I demand that the account for XXXX XXXX, XXXX be reported as " paid as agreed '' and the " charge-off account '' status removed. I also demand that the alleged account balance of {$19000.00} for the alleged XXXX XXXX, XXXX account be be changed to {$0.00}.
Consumer complaint received 2022-08-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OR)

I have been working with Navient for over 15 years to get these loans lowered or paid off and all I get back is a refinance plan that would lower the rate by barely anything. I pay roughlt $ XXXX over a XXXX loan and it is tearing me apart. 
I thought I was in to get it forgiven, but that also has come back saying that I am not eligible and I am really wondering what can I do to get rid of this burden. Please help me. I am desperate now. 
Every chance I have tried to get it lowered or gone has failed and I really don't know what to do to help myself anymore over a loan that I have had since XXXX  Please, if there's anything that can be done to lower or get rid of this loan, I would be so grateful. Thank you.
Consumer complaint received 2022-11-14
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: SYNCHRONY FINANCIAL (FL)

Called the company to report a billing dispute in a timely manner on XX/XX/2022. This is for a charge dated XX/XX/2022 for {$260.00} for a recliner chair that delivered defective. The delivery clerk refused and did not offer to take the chair back that I wanted to refuse. The business advised me that I could send supporting pictures through the secure messaging center, this doesn't work. Therefore, I am submitting supporting pictures of the damage to justify my dispute.
Consumer complaint received 2022-08-02
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: EQUIFAX, INC. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$17000.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2024-12-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (WI)

I called Waypoint Resource Group ( XX/XX/XXXXXXXX XXXX XXXX and followed up on XX/XX/year> ) in regard to an unfamiliar account that was on my credit report. I reached out to the debt collection agency. Upon speaking with them, they were only able to provide me with my name and the account number attached to the file. The social security number on the account did not match my social. They then advised me to contact XXXX XXXX to discuss the nature of the account. Upon speaking with XXXX XXXXhey informed me that they did not have that account number on file or any other outstanding account. She then recommended that I go into a local store location, so that they could run my social against any possible outstanding accounts. I went into the local store on XX/XX/year> located at XXXX XXXX XXXX XXXX XXXX, WI XXXX to see if they were successful in locating the account. They were unsuccessful and told me that the account number given did not match any records. I called Waypoint Collection Agency back and explained what took place at the store. They said they would remove the account, but that I should also file a dispute with the credit bureau ( s ) that the account was being listed. I filed the dispute with XXXX, however, the have consistently validated the account despite the account not being valid with the original creditor or the agency collecting the debt. I have disputed this account now going on the fourth time. Each time XXXX has validated without providing any means in which the account was verified.
Consumer complaint received 2022-11-30
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: CLGF Holdco 1, LLC (TX)

I have not given any company consent to use, report or inquire on my behalf. I have called XXXX several times to remove inaccurate inquiries and have not received remedy. 

I was given a number to call XXXX XXXX XXXX XXXX XXXX services also known as CB Indigo for inquires on XX/XX/XXXX and XX/XX/XXXX the company said they have no knowledge of an inquiry made through my name or social security number, therefore they have no way of sending XXXX any information to verify the information. I called Back a XXXX time and informed XXXX of this information and the agent I talked to was very combative. They seem to have no knowledge of how I can complete my task. 

Inquiry for XXXX XXXX XX/XX/XXXX I did not give consent for inquiry I was told there was no phone number for contact to verify any information.
Consumer complaint received 2022-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I certify that i am permitted by federal and state law to file this dispute. I also understand that knowing and will misstatements or omissions of material facts constitute a federal criminal violation punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that i made. I am alleging that a person or company without my authorizations used my personal identifying information to apply for good services, or money, and was successful in creating some accounts all is being investigated by the FTS.
Consumer complaint received 2024-12-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (OH)

TO MRS BPO LLC. I HAVE AN UNKNOWN ACCOUNT REPORTING ON MY CONSUMER REPORT. THIS ACCOUNT IS INACCURATE, AND UNVERIFIED AND A VIOLATION OF THE FCRA AND THE FDCPA. I AM REQUESTING THAT THIS ALLEGED ACCOUNT BE IMMEDIATELY DELETED FROM MY CONSUMER REPORT OR I WILL SEEK REMEDY UNDER THE FDCPA AND SEEK FOR DAMAGES UNDER THE FCRA AS WELL FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. UP TO {$1000.00} PER VIOLATION. I WILL BE START SEEKING FOR DAMAGES IN 7 DAYS IF THIS ACCOUNT IS STILL REPORTING ON MY CONSUMER REPORT. I WILL BE SEEKING DAMAGES FROM MRS BPO LLC BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT. AGAIN YOU HAVE 7 DAYS FROM TOMMOROW XXXX.
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX, re : Transunion unverifiable Bankruptcy reported on my credit report. Bankruptcy XXXX - case No. : XXXX. First of all, there is no company I am referring to the U.S. Bankruptcy Court, XXXX XXXXXXXX XXXX Florida, XXXX XXXX, XXXX, Florida XXXX. On XX/XX/XXXX, I sent a letter to TransUnion Credit Bureau, XXXX XXXX XXXX, XXXX, PA. XXXX. In the above referenced bankruptcy. As of today XX/XX/XXXX, no one has responded to me yet. TransUnion never remove the bankruptcy. It shows zero public records it is still listed on my credit report and my score was never updated. This is supposed to be removed completely nothing showing in the public records section of my credit report. According to my research my score increase should be 100-150 points. I have attached a copy of the page from Transunion credit report showing that the report shows zero public record but all the information about the bankruptcy is still on my report and my score has not changed. TransUnion has no intention of removing the bankruptcy from my credit report. Even though it has been over 30 days, and it has not been verified because only the bankruptcy court can do that, and they don't verify bankruptcy cases ( see attached letter ). The FCRA mandates that TransUnion correct errors within 30 days of notification ; or the error must be removed immediately it has been 77 days. I am attaching a copy of the letter that I sent to TransUnion on XX/XX/XXXX, XXXX there has been no response at all, and it is not off my credit report yet. This letter was sent certified mail returned receipt requested. XXXX XXXX XXXX XXXX XXXX. Received by TransUnion LLC on XX/XX/XXXX.