davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (TN)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX  3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Bankruptcy Case Number : XXXX Delete this account.
Consumer complaint received 2020-05-28
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)

The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public.

The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public. 
XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$390.00} High Balance {$390.00} Remarks Placed for collection XX/XX/XXXX Creditor Name XXXX Account Type Charge Account Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1100.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$740.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times XX/XX/XXXX Days Late 0/0/0 Remarks Payment after charge off/collection Paid collection XX/XX/XXXX Creditor Name XXXX  XXXX XXXX  Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 24 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$7700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Dispute resolved ; customer disagrees XXXX XXXX  Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$2000.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$1900.00} Highest Balance {$2100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$1900.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor
Consumer complaint received 2023-02-23
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: TOYOTA MOTOR CREDIT CORPORATION (OH)

XXXX Charge account with account XXXX XXXX opened on XX/XX/2017 and a balance of {$0.00}. 
I previously disputed this account, stating : ''I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I'm afraid I have to disagree with the results of your investigation. 
Please mail me proof of your investigation and the negative payment status for this account, or delete the negative information in this account. Your company is in clear violation of the law. 
Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term ''consumer report '' does not include ( A ) subject to section 1681s3 of this title, any ( i ) the report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUDED in my Consumer report! 
Late payment is a transactional history. My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report not included in the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have ten calendar days to update my Payment history and delete all late payments. Failure to respond satisfactorily with the deletion of the above Late Payments will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Noncompliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information as you XXXX.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (IL)

I paid the TJX Credit Card in full. Synchrony Bank closed my account even though the balance was paid in full and refused to let me make additional purchases after I paid. This let me in a bad position can could of used the money for other obligations.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payfare International Inc. (MN)

Hello, this is my 2nd complaint. I was hung up on by doordash support, you guys said that you have no records and that would make sense as they hung up on me and couldnt take my complaint. Payfare support has not been helpful either. I would appreciate a customer service representative or equivalent to see this, it has been impossible to reach doordash support, someone gets on the phone just to either not understand or say they cant help with the complaint. It is {$53.00} charged off of my card that was supposed to go to bills, I would appreciate this to be fixed as I have been trying for over 10 days. The charge was XXXX to XXXX, a company I have never heard of and when I look into it scams seem pretty common. I would appreciate any help, I just need my money back.
Consumer complaint received 2023-02-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MORTGAGE INVESTORS CORPORATION (SC)

Today XXXX XXXX got a text at my phone stating the following COMPUTER GENERATED TEXT, PLEASE DO NOT REPLY TO MESSAGE COMPLAINT NUMBER : XXXX XXXX : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. ) XXXX XXXX XXXX THIS MESSAGE IS INTENDED FOR : XXXX XXXX XXXX OUR OFFICE HAS BEEN RETAINED TO MEDIATE PRELIMINARY ARTICLES OF INTENT PENDING AGAINST THE AFOREMENTIONED INDIVIDUAL IN XXXX XXXX. 

WE'VE UNSUCCESSFULLY ATTEMPTED POSTAL SERVICE TO THE RESIDENCE BELOW : - XXXX XXXX XXXX XXXX XXXX, SC, XXXX DOCUMENTS BEING FORWARDED TO THE A AUTO COMPANY FOR SERVICE. 
PROCESS XXXX WILL ATTEMPT SERVICE XXXX - XXXX XXXX XXXX - XXXX TO CANCEL, RESCHEDULE SERVICING OR ENTER STIPULATION, CONTACT XXXX. 
OFFICE PHONE : XXXX COMPLAINT NUMBER : XXXX I called them because it looks like a scam. They called my job and talked my boss and told her that they were calling from a lawyer office regarding my legal matter and she needed to sign for my paper to garnish my pay. I was horrified. I called the XXXX XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX and XXXX XXXX. They told me that I have a debt from 2003 from a repossession of a car for {$17000.00}. Unless I pay {$6500.00} today, they will serve me legal documents and garnish my pay. I asked them if I had a judgement because I didnt get any mail about curt day . He said that they were doing litigation but they were going to garnish 30 % of pay unless I pay the amount owed. He continued to tell me that they are aware that I have availability fund on my discover and XXXX XXXX credit card to pay for this debt. I told him that I am a widow that is dealing with a lot bills I cant afford to get in more financial debt with creditors. He hanged up and told me that since I dont want to pay for mu debt, they will ruined y credit and garish my pay. I told him that its illegal to garnish pay without curt order in the state of South Carolina ; also my debt was 10 yrs old. He threatened me and hanged up. I told him that I could lose my job if they continue to harass me. He threatened me with ruining me.
Consumer complaint received 2023-02-23
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: LEXISNEXIS (TX)

MY PREVIOUS COMPLAINT WAS CLOSED! BECAUSE SOMEONE CLAIMED I HAD REPORTD IT BEFORE. 
NO! I HAVE NOT REPORTED LEXIS NEXIS BEFORE! AND I WANT MY COMPLAINT DEALTH WITH SERIOUSLY! 

Lexis Nexis has gathered all my life 's history without permission and put it out in their database to sell to companies requiring my insurance and driving history and companies that are not in the car or house insurance business such as XXXX XXXX. I do not have a relationship with XXXX XXXX. Lexis nexis should only provide pertinent insurance and driving record and some records there are more than XXXX XXXX XXXX and should not be used in decision making process of the requesting entity. Lexis nexis put 's in credit reports and scores in their database which they shouldn't and the reports are inaccurate and out of date. Lexis nexis is in the business to make consumers look as bad as possible so they can justify their fees which result in consumers paying a much higher rate for insurance for the consumer. I have reached out to Lexis Nexis to remove all my personal information not necessary to getting a quote for auto and car insurance, and told them to freeze my report but they have refused to do so, claiming it is a " permissible purpose '. I have include the report Lexis Nexis is providing to anyone who asks. This is an invasion of privacy and is against the law. Lexis Nexis has placed a link in my XXXX credit report XXXX XXXX XXXX XXXX so third parties can request my Lexis Nexis report. This is against the law. 
XXXX XXXX TO OPEN PDF IS ( supplied by Nexis Lexis ) XXXX
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX Balance : {$820.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$57.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Mr. Cooper negatively impacted our credit score. They stated that we gave a late payment. We filed a complaint with Mr. Cooper, showing all payments made early or on time and supplied bank statements verifying those payments. Mr. Cooper also has not applied payments that were made on XX/XX/2023 in the amount of {$1800.00} and {$1300.00}, which total {$3100.00}. We believe they have these payments in a hold account, but show no record of it. Our bank statements show both payments were processed by Mr. Cooper. We have also been paying {$100.00} for 9 separate payments for late fees totaling {$930.00}. Our payments were not late. Our credit scores were impacted negatively by this error. 

Mr. Cooper response " We have conducted an investigation and did not find any error in your payment history. In order to research your request, we reviewed the payment history and the information you provided. We found that all payments you provided proof of have been applied to the account appropriately. As of the date of this email, your loan is due for the XX/XX/2023 payment. '' If Mr. Cooper would have actually researched our payment history and bank statements as they claim, they would see payments made on time along with the added fees.
Consumer complaint received 2023-02-23
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. (NY)

XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX has reported a hard inquiry on my credit report. I do not know this company, have never applied for an account, nor have ever done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (NV)

This is my 8th 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 XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-23
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. (TX)

MY PREVIOUS COMPLAINT WAS CLOSED! BECAUSE SOMEONE CLAIMED I HAD REPORTD IT BEFORE. 
NO! I HAVE NOT REPORTED XXXX XXXX BEFORE! AND I WANT MY COMPLAINT DEALTH WITH SERIOUSLY! 

XXXX XXXX has gathered all my life 's history without permission and put it out in their database to sell to companies requiring my insurance and driving history and companies that are not in the car or house insurance business such as XXXX XXXX. I do not have a relationship with XXXX XXXX. Lexis nexis should only provide pertinent insurance and driving record and some records there are more than XXXX XXXX XXXX and should not be used in decision making process of the requesting entity. XXXX XXXX put 's in credit reports and scores in their database which they shouldn't and the reports are inaccurate and out of date. Lexis nexis is in the business to make consumers look as bad as possible so they can justify their fees which result in consumers paying a much higher rate for insurance for the consumer. I have reached out to XXXX XXXX to remove all my personal information not necessary to getting a quote for auto and car insurance, and told them to freeze my report but they have refused to do so, claiming it is a " permissible purpose '. I have include the report XXXX XXXX is providing to anyone who asks. This is an invasion of privacy and is against the law. XXXX XXXX has placed a link in my Equifax credit report under 'Public Records ' so third parties can request my XXXX XXXX report. This is against the law. 
PIN CODE TO OPEN PDF IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

Around XXXX XXXX, I was booking a flight with XXXX XXXX when a Promotional Add come up on screen stating I can Open a New XXXX XXXX  Credit card to save {$30.00} each way on Baggage Fees and I will receive a {$200.00} credit after my First Airline Purchase. 
That was it - No more details as I promptly applied on the American Express Website since I was already an XXXX customer using their Blue Cash Rewards Card. Instantly Approved and then I made my XXXX XXXX purchase used on XX/XX/XXXX- XX/XX/XXXX. 
I received the {$30.00} each way credit for baggage but I needed to contact AMEX to dispute the charge - This was Quickly Resolved on both instances. 
As I was talking to the Customer Service Representative around XX/XX/XXXX, nothing was ever stated about NOT receiving the {$200.00} promotional Credit. It was even confirmed during that XX/XX/XXXX phone call AFTER the first billing cycle, I would receive the Credit. 
In XX/XX/XXXX, I raised the concern again with AMEX, only to be told I was given a Promitional Credit for ANOTHER Credit card that I had opened several years ago and they do not issue multiple rewards.. IF This warning or disclaimer was on the Site when I opened the DELTA card, I would have Never used AMEX to purchase my Airline ticket nor would I have opened up the credit card. 
I Cancelled all of my Credit cards with amex as I was a customer since XXXX - If they dont care about customers, there are plenty of other Credit offerings out there that do!
Consumer complaint received 2020-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (NJ)

Good evening, I got an auto loan in WestLake financial institution company in XXXX. I bought used XXXX XXXX of XXXX. I had been a diligent payer until the Pandemic situation took place in the US, accordingly, I lost my job and all my income. I wasnt able to make a full monthly payment to the WestLake company. I tried to arrange my payment with this company, calling them virtually every day and begging them for help. However, it wasnt successful, they told me that they can not help me with this and I would have to make a full payment, no matter what. I couldnt find money to pay the car, so then they come to my house at night and towed my car with all my personal things in. 
I didnt even get any notice from WestLake that my car was going to be towed. I didnt know what to think, even called the police assuming that the car got stolen. WestLake reaches out to me in few days demanding a double monthly payment plus towing expenses and fees, saying they wont return a car otherwise. The also reported credit agencies, which damaged my credit score. The sum was prohibitive.. I asked my friend to lend me money to buy back my car as I was left without any transportation. As of now, WestLake imposed repossession expenses, late charges, NSF fees on my account. I asked them many times to work with me in this regard, and at least, take the fees off my account. They dont take into account that I have no job, no income, simply, they dont care. Fees are growing, and I dont know what to do with, feeling desperate.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (VA)

I was basically sent a form to fill out verifying that fraud had taken place and I sent it back asking that they send me an email so I could send them proof of the fraud or a physical business address and they refused.I have all on my pc so nothing I can do to show without an email to send them proof so I gave my email address and asked for theirs yet they wont comply and say they are letting this person keep my money. = ( I have documented proof this package doesnt exist from customs and usps yet this fake vendor suggest it was shiiped.Id also like to say that way to go program never tried to track said package or clearly they would see its fraud too as this package doesnt exist. Please help.
Consumer complaint received 2023-02-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC (TN)

We got a loan for XXXX through XXXX XXXX XXXX. XXXX finance this purchase they were supposed to make installment payments but instead paid the whole thing to XXXX XXXX and we still do not have this product we bought it in XX/XX/2022 and we have been paying monthly payments every month with interest for something we did not even get. We have contacted Mosaic and ask them to stop payments and interest until we receive the product that we are supposed to be purchasing but now XXXX XXXX XXXX is no longer in business and the US government has shut them down