davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$14000.00}, {$24000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was issued a Capital One Quicksilver Visa Card. On XX/XX/XXXX I Charged {$670.00} on my card. I made more than the minimum monthly payments ON TIME over the next 10 months. It was entirely paid up on XX/XX/XXXX. However the following late fees were charged to my account : XX/XX/XXXX {$25.00}. XX/XX/XXXX {$25.00}. XX/XX/XXXX {$39.00}. XX/XX/XXXX {$39.00}. I challenged Capital One Services LLC at XXXX XXXX XXXX, XXXX XXXX XXXX UT on XX/XX/XXXX. They suggested that I call XXXX. I called on XX/XX/XXXX and spoke to an individual named XXXX. I could not understand her language. I asked for her supervisor. I was then connected to XXXX whose only word I understood was " NO ''. My Capital One Case Number is XXXX. My Card Was suspended on XX/XX/XXXX. I am objecting to the {$120.00} Late Fees.
Consumer complaint received 2023-08-11
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. (MD)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2020-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$14000.00}, {$24000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account.
Consumer complaint received 2023-03-03
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Performance transferring the principal to the principal account for the principal. 
Federal Reserve Act Section 16. Note Issues The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington XXXX District of Columbia, or at any Federal Reserve bank.
Consumer complaint received 2020-09-04
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. (NV)

I have attached my XXXX XXXX credit file. Experian refuse to remove the bankruptcy off my credit report. I reached out to XXXX XXXX and received my lexis nexis file which DO NOT REFLECT NO BANKRUPTCY on my XXXX XXXX file. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXXXXXX  XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, and XXXX. These are the accounts that is linked to the address XXXX XXXX  XXXX XXXX, XXXX, ohio XXXX that is reporting on my credit report which that address does not belong to me. The XXXX  XXXX report CLEARLY shows the address was deleted meaning any accounts that falls under that address need to be removed. Experian has sent me a pre-made letter stating they verified the bankruptcy. I do not own a home XXXX XXXX  do not belong to me this home is in ohio. I am a home owner in Nevada not Ohio. This hendering my credit tremendously! I take pride in my credit as a consumer. The only accounts that BELONG to me is XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX.
Consumer complaint received 2022-05-25
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. (IL)

Hi I am submitting this XXXX 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 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-09-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NJ)

This complaint is with HONDA FINANCIAL SERVICES AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX ON XX/XX/2020 I RETURNED A END OF LEASE XXXX XXXX  TO XXXX XXXX IN XXXX XXXX XXXX NJ. IN TURN, LEASED ANOTHER CAR THROUGH THEM ( A XXXX XXXX ). 

XXXX  XXXX NEVER PAID OFF MY PREVIOUS CAR UNTIL ALMOST 3 MONTHS AFTER THE FACT, THE CAR WAS NEVER PAID OFF UNTIL XX/XX/2020. I CALLED THEM MULTIPLE TIMES BECAUSE I COULD SEE ON MY ONLINE ACCOUNT THAT THE PREVIOUS CAR WAS " LATE '' AND NEVER PAID OFF .MONTH AFTER MONTH, HONDA FINANCIAL CONTINUED TO MAKE HARRASSING PHONE CALLS STATING MY ACCOUNT WAS LATE FOR A CAR I DIDNT EVEN HAVE. 

MY CREDIT WITH ALL 3 AGENCIES IS NOW MESSED UP AND IS SHOWING NEGATIVE ON MY REPORTS. I HAVE CONTACTED BOTH COMPANIES SINCE XXXX AND CONTINUED TO DO SO MULTIPLE TIMES TO DISCUSS THIS ISSUE. XXXX XXXX SAYS THEY ARE SORRY FOR THE CONFUSION AND THAT THEY SENT THE PAY OFF CHECK IN A TIMELY MANNER AND HONDA FINANCIAL IS DENYING THAT THEY RECEIVED IT. HONDA FINANCIAL SERVICES SAYS THEY ARE UNABLE TO HELP ME BEING THAT XXXX XXXX PAID THE CAR OFF 3 MONTHS LATE. HONDA FINANCIAL REFUSES TO REMOVE THIS FROM MY CREDIT REPORT. I HAVE DISPUTED THIS MULTIPLE TIMES WITH NO SUCCESS, I FEEL THAT I SHOULD NOT BE HELP RESPONSIBLE FOR THIS. I HAVE NEVER PAID MY CAR PAYMENT LATE, EVER, NOT ONE TIME. THIS IS UNFAIR AND I DESERVE TO HAVE THIS NEGATIVE REMARK REMOVED FROM MY CREDIT.
Consumer complaint received 2023-03-24
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. (SC)

This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX NXXXX XXXX XXXX XXXX XXXX SCXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Solidus Group LLC. (CA)

I keep getting contacted by an unknown " debt collector '' or scammer. As best I can tell from internet searches, the FTC has taken action against a parent company that may include these SCAMMERS. XXXX XXXX out of Maryland is the company I believe to be perpetrating this harassment/scam. 

The FTC had an agreement with them out of case # CASE XXXX FTC and People of the State of NY by XXXX T XXXX AG of NY XXXX They call any and every number I have, and or is associated with me or a relative or random stranger, and threaten to " find me '' " take legal action '' etc. The calls get more and more forceful and demanding and finally threaten THAT IF THEY FIND ME, ALL NEGOTIATIONS ARE OFF ( paraphrase ) and THIS IS THE LAST ATTEMPT ... until we call you next month ... and start the process over again, with the EXACT SAME " case number '' I have no debt that is collectable in CA. I had old debt that expired / was written off, since XXXX. 

They call from XXXX the caller ID says XXXX XXXX CA. 
Call back number THIS TIME is XXXX but in the past has been XXXX I have multiple recordings of their threats of LEGAL ACTION and PEOPLE COMING TO FIND ME.
Consumer complaint received 2020-08-28
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. (TX)

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$320.00}, per the FCRA this is a violation, balance should be {$0.00} Date Opened : Inaccurate Balance : Should be {$0.00} Past Due : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate
Consumer complaint received 2023-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2020-07-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (GA)

I applied for this loan-I don't recall the dates specifically, XXXX or XXXX to pay up my car insurance, after an injury, and being off work. I believe I asked for {$3200.00} or {$3500.00} for the loan amount. I received the interest rate information, but I was in desperate need, so I agreed to it. In XXXX of XXXX, I was XXXX  XXXX  from my XXXX job, as a result of my VA doctor 's information to the Office of Personnel Mgmt , and lived for awhile on a monthly annuity. Well, the year is up and my annuity amount has changed DRASTICALLY. I'm now trying to get Social Security XXXX Insurance, and have to wait. In the meantime, I can't continue to pay for this NETCREDIT loan TWICE per month. I've written, them, I've called them, I've complained on their site, I've even submitted an email to their subsidiary XXXX, and kept getting error messages. I KNOW the loan is mine, I've been paying it off, AND the exorbitant interest rates. It's terrible that company 's like this can do this to the working poor. I waited for a long time before actually accepting the money, and they " hunted '' and quickly agreed to send it, but I knew THEN, I was in trouble. I'm NEVER gon na be able to pay this loan off! And it's ridiculous and unfair. I've worked 43 years of my life, and never needed one of these loans, and now I know I was right in my feeling of acceptance. PLEASE, TELL THESE PEOPLE TO JUST TAKE ONE PAYMENT PER MONTH. It's gon na prolong the loan, but at least I won't be afraid my necessary bills won't suffer as a result of this loan. NOW I pay my mortgage, car insurance, and bills. This is SURVIVAL MODE. I'm just asking for some assistance. And PLEASE, ask them to send me the TIME when the loan WILL BE PAID OFF! When I have been able to speak to a LIVE person, they've been very elusive about this information. PLEASE HELP ME.
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, DEPTEDXXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-03-23
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: CL Holdings LLC (IL)

Last 4 of XXXX RE : XXXX XXXX Dear TO WHOM IT MAY CONCERN XXXX XXXX XXXX : XXXX am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOF OF CHARGE OFF/ The following account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 



I am demanding a deletion of the following account. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Consumer complaint received 2023-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates (TX)

I didn't pay {$130.00} for my final 2 months of XXXX XXXX XXXX XXXX service. XXXX & XXXX, for some reason, sent 2 collections agencies ( XXXX XXXX ; ( XXXX ) XXXX ) and ( Prince Parker ( XXXX ) XXXX ) ) after me for the money. 

Once I paid on XX/XX/XXXX, XXXX XXXX XXXX withdrew the debt from XXXX, but never contacted Prince Parker. Prince Parker says they're going to hound me for 6 MONTHS and keep it on my credit report for that long because XXXX XXXX XXXX never contacted them, and won't respond when I give them a receipt. 

Please tell Prince Parker that I've already paid the debt.
Consumer complaint received 2020-08-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (NJ)

This complaint is related to PayPal claim XXXX. I purchased an item from XXXX XXXX and did not receive the item. 

This purchase was for a XXXX vacuum and I did not receive this item. I obtained an email from XXXX which states that the item was not delivered to the address indicated in the shipping label.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have fraud accounts reporting to my ( all three ) credit report, I have listed all the details below. I have never dealt with the below companies and I have tried to correct this with them directly but I get now where and it is effecting me negatively. 

XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX OPENED XX/XX/XXXX Amount {$9300.00} XXXX ) XXXX  Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amounts {$500.00} {$1500.00} Closed XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$1000.00} XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$300.00} Closed XX/XX/XXXX XXXX ) XXXXXXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual REPORTED XX/XX/XXXX Opened XX/XX/XXXX Amount {$300.00} {$0.00} Closed XX/XX/XXXX XXXX ) XXXX  Account # XXXX Opened XX/XX/XXXX Reported XX/XX/XXXX Amount {$1200.00}