davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-24
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX stated I opened an account with them on XX/XX/2017. I never opened an account with XXXX XXXX on XX/XX/2017. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity thief and I want this fraudulent account remove from my credit file. I have also asked Experian to remove this account and investigate this account and they refused to do so. Im not sure why Experian is allowing a fraudulent company report fraudulent account to consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX XXXX XXXX is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. XXXX is not following The Fair Credit Reporting Act and Iwant something done about it!
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

In the Public Records area of my credit reports, I see a Bankruptcy that was last reported on XX/XX/13 to XXXX XXXX. The account now shows closed and with a zero dollar balance and as a Chapter 7 discharge from Equifax with the same zero dollar amount balance. I made the mistakes, I paid my dues and I suffered the embarrassment ; I think its only fair to allow me to go on with my financial life with what I have learned only to grow from it. The account was closed, dismissed, and discharged, long enough ago for me to now have a piece of mind. Recently, I tried to make a large purchase for my family and the only thing that hendered the purchase was a Bankruptcy that was unfairly remaining on my credit from years ago that is now PAID IN FULL! The statue of limitations for this detrimental information would be up even if the account were open or still valid. Its time to remove the account and stop the deformation of my financial charter. Thank you.
Consumer complaint received 2019-07-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I disputed an old/obsolete tradeline with XXXX on XX/XX/XXXX. Portfolio Recovery Associates verified the account with XXXX as correct and mailed me a charged off statement from the original creditor ( XXXX ) dated XX/XX/XXXX on or around XX/XX/XXXX ( attached ). 
My supporting documentation shows that the date of last payment was XX/XX/XXXX, date of first delinquency was XX/XX/XXXX. Fall off date/Removal from my credit report should be XX/XX/XXXX, as per one sample of my XXXX report, dated XX/XX/XXXX ( attached ). I also have documentation stating XXXX as the fall off date from other credit reports, which I can provide upon request. Attached is today 's screenshot I took on XX/XX/XXXX showing Portfolio Recovery 's account on my credit report showing the discrepancy ( re-aging ). XXXX will not remove the tradeline and Portfolio Recovery Associates has a date listed which doesn't match the records of the original creditor ( attached ) and refuses to remove this old tradeline from my credit report.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My complaint is with Bank of Anerica. They cancelled all my credit cards with them for no reason. I had saved rewards totalling XXXX. They did not notify me that they cancelled them on XX/XX/2018. So when they cancelled i lost all my cash rewards. I was saving money to open a XXXX XXXX acct with them. My credit score has always been XXXX to XXXX all my life. I never paid a bill late. I took this to small claims court but the judge ruled the bank can do anything they want. I just want my cash rewards owed me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX Ps. The bank said the reason they cancelled my credit cards were they were afraid i would charge a lot of money and i had too many hits on my credit. Why would i do that? Im XXXX years old. Ive  never done it before so why would i do it now. There were 5 credit cards involved. They are XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I noticed XXXX XXXX was reporting my wife and I 30 days late in XXXX. I verified with my bank that the car payment was made on time. I sent proof of the payments to XXXX XXXX but they ignored me and continue to report me 30-days late. I then notified the 3 credit bureaus of the error and also provided them the same proof. They also ignored my dispute.
Consumer complaint received 2019-07-24
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. (IL)

I AM A VICTIM OF ID THEFT DUE TO THE EXTENSIVE DATA BREACH VIOLATION FROM XXXX. I HAVE PROVIDED THE CREDIT REPORTING AGENCIES THE PROPER DOCUMENTATION TO BLOCK THE INFORMATION FROM BEING REPORTED ON MY CONSUMER REPORTS YET THEY HAVE NOT COMPLIED.
Consumer complaint received 2019-07-24
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX did not hire a collection repair company. And also direct to the company I am trying to get this resolved I have sent certified letters to the credit bureaus. For XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX tracking number sent directly to XXXX XXXX XXXX XXXX I sent certified letter with requested signature to the collection agency with signature returns that it was received and they still have failed to send me information that the account belongs to me. The credit bureau are refusing to take this off my credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.. the collection company will not respond to me so the credit bureau are failing to report accurately information please remove off my report.
Consumer complaint received 2024-08-18
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. (GA)

XXXX has made incorrect information on my report, per FCRA all information shall be reported correct and verification of debt. 
I am wanting this deleted immediately as my identity was stolen and I have no knowledge for any accounts within these companies and never lived at this address.
Consumer complaint received 2024-08-18
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. (VA)

I reached out to Experian multiple times regarding my credit report. Example today XXXX I advised them - Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4. They responded less than a hour and stated- they will leave information on my credit report. Experian does not give me the option to dispute using correct reasons, I have to use different reasons that don't apply to my situation because it does not allow me. I disputed with them multiple times due to incorrect balances and how they are STILL reporting charge off accounts as current. Law 15 usc 168 ( e ) B to remove charge off from credit report. I also informed them charge off are only reported ONCE not monthly. That is inaccurate and I informed them of that as well. They decided to keep the same information and also advised me that they will keep it on my account as well. That is inaccurate. I called them 3 months prior about removing personal information when asked about removing my employer I was informed that I couldn't even though I no longer work at that employer and haven't worked for that employer in almost XXXX years. I need Experian to do their Jobs correctly and to also update and remove ALL collections because I did not give them permission to report. I also informed them the information they are reporting is inaccurate which has to be removed.Below I can show you they are still reporting charge off each month when its inaccurate and I advised charge off only reports once it has to be REMOVED once its reporting inaccurate. Also I reached out to XXXX XXXXXXXX VERBALLY and informed them how they were not allowed to report information and how it needs to be removed because they were reporting as charge off they send a letter confirming they will STILL report charge off monthly.
Consumer complaint received 2019-07-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Seattle Service Bureau, Inc (CA)

XXXX Collections has been trying to collect a debt originally from XXXX XXXX that they outsourced to XXXX. I was never involved in the accident and these people keep telling me that they will get me fired and have my license suspended and they know people in the DMV. They call me 3 to 5 times a week Monday through Friday. They yell at me and cuss me out. I am scared they will call my employer and then they even said they will get me thrown in jail if I don't pay.
Consumer complaint received 2019-07-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA (TX)

Kia Motor Finance had an advertised finance special of {$1500.00} cash back and 2.9 % interest for 60 months with no down payment required. On XX/XX/XXXX, I purchased a 2020 XXXX XXXX from XXXX XXXX in XXXX, TX. The credit report showed that my score was at least an XXXX but I didn't receive the advertised interest rate, the rate I received was 3.9 %. When I questioned the general manager ( XXXX XXXX ) which is who processed my application his response was they just put the information in the computer and that's what it showed on Kia Motor Finance. I called back on XX/XX/XXXX to see if he could provide any explanation as to why I didn't qualify for the advertised rate was told he would reach out to Kia Motor Finance but I haven't heard anything back as of XX/XX/XXXX. On XX/XX/XXXX I contacted Kia Motor Finance to see if they could provide an explanation for me not getting the advertised rate and the response received is that it is up to the dealer ( manually inputted ) and any correction would have to come from the dealer through an updated contract. On XX/XX/XXXX I called the dealer back to follow up on my request for an explanation for the rate I received but haven't heard anything back. Know one seems to know and each side is saying it was out of their hands.
Consumer complaint received 2019-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Consultants, Inc. (GA)

FOUND OUT TODAY I WAS SENT TO COLLECTIONS OVER A BALANCE THAT I SHOULD NOT HAVE EVEN OWED. I WANT THIS REMOVED IMMEDIATELY. ACCOUNT # XXXX IF THIS IS NOT REMOVED AND WIPED OUT COMPLETELY I WILL BE SEEKING FURTHER ACTION.
Consumer complaint received 2019-04-30
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: EQUIFAX, INC. (MO)

I'm disputing the following accounts inwhich I have absolutely any knowledge of nor did I authorize such. But my main concern is why and how is the major credit bureaus reporting these accounts without certified physical documentation to support their reporting findings after these accounts has been disputed before, and a Method Of Verification was requested. Inwhich I never recieved, but re requesting now. I would like to know the name and title of the investigator, and inwhom did they speak with, what communication was used, fax, phone, email, etc. In concert with the FCRA either provide all the above or block these accounts immediately and permanently, ( 1 ) XXXX  XXXX  Debt, # XXXX ( 2 ) XXXX/ XXXX XXXX XXXX ( 3 ) XXXX {$3200.00} ( 4 ) XXXX {$1.00} XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting 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. (FL)

I am writing to formally dispute several unauthorized inquiries on my credit report. These inquiries were made without my permission and appear to have been fraudulently initiated by various companies. 

I have spent numerous hours contacting the credit bureaus since 2023 to dispute several hard inquiries on my credit report, explaining that these inquiries were made fraudulently. Unfortunately, I have not received any resolution to this issue.
Consumer complaint received 2019-07-24
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. (KS)

I RECENTLY ORDERED COPIES OF MY CREDIT REPORTS AND DISCOVERED NUMEROUS ACCOUNT INQURIES THAT DID NOT BELONG TO ME, WHICH MEANS I AM NOT THE ONE WHO OPENED OR AUTHORIZED ANYONE ELSE TO OPEN THESE ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT. 

CREDITOR INQURIES DATE OF INQURY XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-24
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

OneMain Financial is repeatedly falsely verifying an unauthenticated and unauthorized inquiry on my credit files. I have not received a firm offer of credit for OneMain Financial to be listed as a hard inquiry on my credit files nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

The illegal unauthorized inquiry was performed in XXXX of 2018. 

In the event OneMain Financial has documents or verifies that this inquiry is accurate, I demand that they verify via Sworn Notarized Affidavits so I can know the person who handled my dispute and to state THAT THE ALLEGED INQUIRY IS IN FACT COMPLIANT AND IS NOT SUBTERFUGE. I want to see the signed authorization form that they used to perform this inquiry. Otherwise, I demand that OneMain Financial remove this inquiry off my credit files. Otherwise, any verification from OneMain Financial will be deemed hearsay and will be admitting that OneMain Financial is intentionally, maliciously and recklessly reporting an illegal, unauthorized and unauthenticated inquiry on my credit files.
Consumer complaint received 2019-04-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ASPIRE FINANCIAL INC. (TX)

I applied with TexasLending for a hone equity loan. Speaking with their rep I questioned the high appraisal costs and was told I could select an appraiser which I did. I was told the loan was approved and in process. Today I was informed that the loan was denied because I had the appraisal done and not them. This has cost me the appraisal cost, time, and possibly damaged my credit due to being turned down for a loan. 
As a senior citizen ( or any citizen ) I think this is unfair practice to say the least. 
i think if TexasLending needs their appraiser to do the appraisal they should pay for it and proceed with the loan I qualified for.
Consumer complaint received 2019-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of James R. Vaughan, P.C. (AZ)

I received a letter from the Offices of James R. Vaughan, P.C. 

They stated that they had been hired to collect on a {$7800.00} loan having to do with a XXXX XXXX XXXX XXXX with VINXXXX originating from XXXX XXXX on behalf of XXXX XXXX. The letter from from the law firm stated that if they did n't hear from me with 30 days they would assume the debt was valid and take actions accordingly. 

-- >This debt is not mine. I have NOT done business with XXXX XXXX or XXXX XXXX. I have NEVER owned a XXXX XXXX XXXX. Yes, they had my address but they were writing to someone else ( that did n't even have my identical name ) .< -- I promptly ( the next business day ) called the law firm ( at XXXX ) to tell them that they had the wrong person and to please disassociate my address from their dealings with those companies and that car. 

The first person ( only willing to identify himself as " XXXX '' ) attempting to summarily dismiss me asked if there was anything else he do. I did not hear him type one stroke onto a keyboard. He did not have enough identification from me ( although he attempted to take my social security number and said we has recording the phone number I was calling from ). Why would n't he just take the file number off the letter I was offering him? He kept asserting that I was the debtor, that he did n't have any proof I was n't the debtor ( even though we would n't take what I was offering him, and that the correct debtors call them all the time pretending to not be who they are. He refused to answer my questions or give me any degree of certainty that I would not be contacted again.

I have a perfect credit score and afraid that this firm is going to continue to harass me for a loan and nothing to do with. 

Mr. XXXX, the next person I talked to refused to give me any verification that the calls I had placed ever existed. A ticket number. A receipt. A procedure. Something that would document that these calls had been placed. Giving him plausible deniability? He first said that he did n't have to because I was n't a law firm then denied that he said that then said that he was prohibited from communicating with me. ... yet his firm wrote me and he was TALKING to me as he said he was n't legally able to.

Obviously this firm is predatory, willing to get a buck from whomever they can with no regard for collecting from the proper individual. If that was my car how come my name had never been filed for the tabs or the license for that car? Do they have the right to shake down every tree that happens to be XXXX or XXXX XXXX until they get one that is clueless or helpless enough to be victimized? 

I am not their mark. All they had to do was tell me they knew I was n't their guy and give me some kind of memento of the occasion ( for my use in future legal proceedings ). But they apparently were very eager to preserve their anonymity ( /lack of involvement ) and therefore reserve the right to keep  communicating with me off the record?
Consumer complaint received 2024-08-18
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. (NC)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian : [ XXXX XXXX ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2019-04-30
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. (WA)

one XXXX  fraud account was opened under my name, this accounts was placed back on experian credit reporting agency,  this is not correct reporting, this is fraud opened without my knowledge, i have disputed and was removed from all three bureaus, but experian is not cooperating and placed back again under my name, my whole life has been changed because of this, all my credit cards have been closed due to this inaccuracy they think this is mine and have XXXX  my life. 
please help, as a consumer i need your help to defend myself against these bureaus, i will be attaching my police report, please have this under you consideration appreciate
Consumer complaint received 2019-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NY)

Convergent Outsourcing has not complied with my request for a debt validation letter. I have called them now going over a month and still no one from Convergent is able to provide any answers. I have sent a certified return receipt letter to them and it shows someone from convergent signed for it. I am requesting that this debt be immediately removed from all credit bureaus that deal directly with my credit report.