davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have some issues with my current information not being updated properly. First up my name is XXXX XXXX XXXX, please remove ANY and ALL variations of my name they are not correct. My Job is XXXX please remove any other employer they are not accurate. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have attached my ID and SS card As proof of my only address. please remove all other addresses they are not mine!! I have 3 unverified accounts that have not provided the necessary request documentation to prove ownership or DOLA, anything I dont even know where these account came from please delete the following accounts : XXXX XXXX BAL. {$590.00}, XXXX. {$320.00}, XXXX XXXX BAL. {$250.00}, the unverified items listed above still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I understand the FCRA 611 and 623 to state there is a protocol and compliance standard to address these issues.
Consumer complaint received 2020-04-29
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 {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-04-29
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
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 ) I am writing to request the method of verification  for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XXXX XXXX, XXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (VA)

i took out a loan against my house with XXXX and it was closed on XX/XX/2320 and then it was sent to XXXX XXXX XXXX and that account was closed on XX/XX/2015 and then it was sold to sis and i sent you a complaint on them to get it taken off my credit report cause it was paid in full and its still on my credit report as closed and its been 4 yrs now and i would like these companies taken off my credit report and also need to send it to transunion
Consumer complaint received 2019-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I XXXX XXXX, am a victim of I identity thief. I have reached out to the bureaus numerous of times with no response and I am in the process of seeking legal damages. My attorney ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX, has noticed several breaches in the FCRA concerning my case. I see student loans seeing I have never been to college a day in my life. This has to stop. I have filed a police report months ago and sent ii in certified mail. Nothing has been done. I have faxed and called Transunion, XXXX and XXXX. I was turned down for a mortgage and my family and I was forced to live with relatives. This is embarrassing and truly a hindrance. I have went in to a XXXX XXXX  behind this because I've had issues with law enforcement based on the fact that the thieves used my information to commit a white collared crime .These are the erroneous and fraudulent accounts in detail : XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$66000.00} XX/XX/XXXX XXXX XXXX {$11000.00} XX/XX/XXXXXXXX XX/XX/XXXX{$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX INQURIES XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX XXXX XXXX  Customer Service Manager at  XXXX XXXX XXXX Email : XXXX XXXX XXXX Operations Manager XXXX XXXXXXXX XXXX XXXX XXXX CEO CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compliance Fraud Investigator XXXX XXXX XXXXXXXX XXXX XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  President US Commercial Services and Chief Client Officer XXXX XXXX XXXX XXXX XXXX President XX/XX/XXXX XXXX Svp US consumer Information Services XXXX XXXX XXXX SVP Chief  Compliance Officer XXXX XXXX XXXXXXXX XXXX XXXX CRCM VP/Sr Manager of Regulation and Compliance XXXX XXXX XXXXXXXX XXXX XXXX Senior Vice President Enterprise fraud/ID Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX vice president chief legal officer XXXX XXXX XXXX TRANSUNION XXXX XXXX EVP Compliance and Litigation Transunion Corp XXXX XXXX XXXX Executive Vice  President Transunion Corp XXXX XXXX XXXX Director Fraud and Identity management Transunion XXXX XXXX XXXX XXXX Senior analyst consumer experiences Transunion Corp XXXX XXXX XXXX Director-Transunion Consumer Interactive Servicing Transunion Corp XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Consumer complaint received 2021-07-07
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. (UT)

Transunion is falesley reporting a 90 day late payment on our Mortgage for a house in that was sold. The mortgage company XXXX XXXX XXXX when contacted says they show no late payments and that per COVID rules the loan was in forbarence and not reported as late. We. also have the forbarence letters and records showing no late payments. Please see the attached 2 credit reports that clearly show XXXX XXXX XXXX XXXX was paid with NO LATE PAYMENTS ever! 

This was disuputed 3 times in a row with Transunion and they still have not fixed the issue. All other credit repoirts show no late poayments. Further you can not talke to a live person and or access their website currently. There's no way to get them to correct it as it seems to be all automated and resets back to the inncorect data. 

This is impacted our credit and ability to purchase a home.
Consumer complaint received 2021-02-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX XXXX ) XXXX that stated I was having two allegations from XXXX County which I then begin to panic. The gentleman provides me with a reference number XXXX, and a phone number to call XXXX XXXX XXXX XXXX. I call the number and Im speaking to some girl and provide her with the reference number and she begins to tell me that ACE cash express is filing legal proceedings for two allegations against me for : 1. Broken legal contract on failure to repay the loan, and 2. Attempting to defraud ACE because I knowingly failed to repay. I am completely unaware and blindsided by this that I explain to the lady that I never received any mail in regards to this as I do not receive mail at my physical address, and that I use a PO Box . She stated that I would have to pay upwards of {$3000.00} if it were to go to court and I would have these marked in public records making it hard for me to get a house or new car, etc. I ask her if there is any way to take are of this issue and she stated that she would talk to her legal advisor. After being on hold for 1 minute and 30 seconds she comes back on the line and says that they are willing to settle and not take me to court if I paid {$1800.00} to the company by the name of XXXX XXXX. After stating that I couldnt pay that now she was able to make a payment arrangement of {$450.00} bi weekly that would be drafted from a company named XXXX, but I would have to secure a debit card on file. None of these companies match or correspond to anything I have ever heard. After I asked if I would be receiving a receipt or some type of document stating my name and who I was paying to and the amount she stated, the best I could do for you is give you a confirmation number. I began pressing the issue and she stated that upon completion of payment for the entire {$1800.00} I would receive an email attached with the deferred documents and legal action would no longer be taken against me. I mind you that the initial loan was only {$200.00} on an account opened in XXXX of XXXX! This is mind boggling, and I feel shaken in my boots because I have never been notified of this issue. I feel like they waited so long, if this real, just to get more money out of me. I dont know what to do. Ive never been in any legal action and I feel threatened, worried, and confused. Also, when I asked if XXXX County, the county I reside where the loan was initially taken out, would have any documentation of this issue she stated, feel free to reach out to them. I also asked for another phone number to call and she said that they would be the company proceeding this matter. This is crazy and I need help.
Consumer complaint received 2021-07-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Remove all the negative inaccurate accounts from my credit report immediately Experian is committing to many unfair acts and violations to my report
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

Discover Card is the company I just received an email late evening on yesterday stating that my card was closed due to inactivity. Are you guys serious? The whole world is in a crisis/pandemic and has been for a year now so of course I haven't used my card. For a while we weren't even supposed to leave the house due to quarantine. I had to take this serious as my mother who has XXXX lives with me. I have been trying to be responsible while being unemployed due to Covid by not using my cards and possibly not having a way to pay it back. I made sure all my cards were paid off to a XXXX balance and wanted to have it in case of emergency. Your rates are too high and therefore a lot of stores won't even accept your card just like XXXX XXXX. 

I take my credit serious and to know that if I was somewhere trying to use this card and got declined I would be really furious especially during times like this. I would like this decision to be reversed since I have been a good, faithful member with no late payments. There was no courtesy call or warning of closing my card just due to inactivity. This is ridiculous and unfair.
Consumer complaint received 2020-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NV)

On XX/XX/XXXX I contacted XXXX XXXX XXXX to complain about the increased payment amount being taken out of my account without my authorization. I said if they adjusted the payment amount back to the original amount I would continue their services. They said no, so I asked them to cancel my account at that time. The customer service agent offered me an administrative credit of {$30.00} that would be charged for closing my account. I thanked her and that was the end of our conversation. 

On XX/XX/XXXX I received a collection notice from Nationwide Credit , Inc in the mail. As with the payment increase, I was never notified that I was was being charged or that my account was sent to collections. I have an impeccable credit rating and I am shocked that something like this can happen. 

Also on XX/XX/XXXX I called XXXX XXXX XXXX and asked what was going on and they refused to help me and I would have to resolve a situation they mistakenly put me in with the collection agency. What the XXXX is going on.
Consumer complaint received 2021-03-31
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC (MN)

On XX/XX/XXXX I was involved in a car accident and my vehicle that I was still financing was totaled out. Called the finance company let them know and gave them all the information for my claim. I had full coverage insurance on the vehicle but not GAP insurance. Called the finance company to check and see if they received the check from the insurance claim and they stated they hadn't in XX/XX/XXXX. I spoke to a Supervisor in XX/XX/XXXX stated to call the insurance company and have them trace the check. Checked with the insurance who sent me a letter stating the check had been cashed. Gave the correspondence to the Supervisor who stated that the check was in another account in a different state with their company cause no account number was on the check. Supervisor stated once they found the check they would add the funds to my balance and close the account so we could settle the remaining amount. Called back every month until XX/XX/XXXX and was told by a rep they had received the check back in XX/XX/XXXX. They continued to report the account as past due and sent me emails stating that I was up for repossession of a vehicle I no longer have. I called and asked for a supervisor in XX/XX/XXXX to see why the account hasn't been closed and why they had still been billing me since the vehicle was reported totaled. They stated there was nothing they could do and they were going to continue to bill me instead of calculating my final balance so we could settle. I had a warranty on the vehicle through the finance company as well and they never credited that to the balance as they stated. This has caused my credit to decrease and represents a negative report. I have disputed this with all 3 credit bureaus but nothing has changed. They are stating I owe them over {$10000.00} which is not correct. I will never lease with American Credit Acceptance.
Consumer complaint received 2020-04-29
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. (TX)

I have contacted XXXX XXXX, XXXX, XXXX, and Experian several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, Experian have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I am writing to dispute a billing error regarding my Citi AAdvantage card.in the amount of {$430.00} on my account. The amount is inaccurate because all of the {$430.00} are related to fees and renewals of a different account that Citi created without my knowledge. 
Citi 's XXXX App has been showing that my account had a {$0.00} balance since at least XXXX XXXX, and provided no means of making any payments. I was not aware that a new account even existed until last week when I saw an email that said that I was delinquent on this new account. 
After talking with Citi representatives over the past few days, I was able to deduce that the XX/XX/XXXX statement balance was {$1700.00}, which I understand was the balance of the original account when it was closed. Citi representatives allowed me to see statements from both accounts and notified me that the new account has a balance of {$2100.00} as of today ( XX/XX/XXXX ), of which none of the {$430.00} were new purchases that I initiated. 
After talking with Citi representatives and reviewing the statements, I have now paid the XX/XX/XXXX statement balance of {$1700.00}, which I am not disputing. I am requesting that the {$430.00} error be corrected, that any finance and other charges related to the disputed amount be credited as well, that both Citi AAdvantage  accounts be closed with {$0.00} balances, and that I receive accurate statements showing their closure and releasing me from any Citi AAdvantage  account obligations. 
I am sending a certified mail complaint to Citi with the above information which support my position. Please help me investigate this matter and correct the billing error as soon as possible.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (WI)

Last XXXX, I was switched to Experian 's XXXX XXXX   after having been on XXXX XXXX XXXX XXXX XXXX due to the data breach. I just found out that XXXX has a peculiar policy where they only update one 's credit data if the user calls in and specifically requests a manual update. This is in contrast to XXXX XXXX and other services I have used where the online data displayed is continuously updated in the background. The Experian XXXX rep I spoke with said that this is just the way the service works. It seems strange enough to me that I thought I would file this complaint to see if their position is correct.
Consumer complaint received 2019-03-23
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. (CA)

An account on my report does not belong to me and I disputed it but was unfairly resolved against me XXXX XXXX XXXX AC # XXXX REPORT NUMBER XXXX XXXX
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: World Omni Financial Corp. (FL)

On XX/XX/2020 my bill did not go through account with missed payment. I am kindly requesting SETF/WOFC to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.