davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Almost nothing appears on my Experian credit report resulting in a XXXX XXXX nearly XXXX points lower that I get on Equifax and Transunion. 

XXXX has confirmed that they share my account history with Experian, but yet it doesn't appear. I have been with XXXX for XXXX years, yet nothing shows on Experian. I have had home mortgages for XXXX years - yet nothing on Experian. Auto loans - nothing on Experian. 

Applied for credit recently and was denied the full amount because the company used Experian. Getting {$8000.00} in credit should have not been an issue whatsoever. 

I can not contact anyone at Experian to add/seek out the easy to find missing information. Nothing on their website allows me to get anything added. And they are not looking. What do I do????
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, and XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please delete these fraudulent accounts ASAP.
Consumer complaint received 2020-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JTM Capital Management, LLC (MI)

For the past six months, Ive made several attempts to speak to some one about this issue. Ive left several voicemails. I have not got a return call you yet. I disputed this on my credit. They refused to remove the item, that I am inquiring about.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (WA)

Called in late XX/XX/XXXX and asked for a pay off amount. I was given a estimated pay off amount. I called back several days later, closed the account and mailed a check for the amount I was given. Soon after I received a statement in the mail saying the account was closed but there was a credit balance of {$100.00}. 

I called and asked for a check to be sent for the credit amount of {$100.00}. Several days later I received two checks on the same day. I called again and was told I needed to send one of the checks back. I told them I was not going to do that, they needed to void one. After a long debate, supervisor agreed that would happen. 

The next week, while I have not yet cashed one of their checks, I received a third check. I called again and had the same argument with operator and their supervisor and eventually was told that I could cash the first of the three checks and the other two would be cancelled. Before I could do that, I received a statement in the mail that said I owed American Express {$210.00}. 

I called yet again on a Friday, explained the whole thing and was told that my problem would be taken care of and I would receive a call back on the following Monday. When the call did not come, I called again. 

This time, after the same argument about me needing to return checks, I was told I could destroy the first two checks and cash the 3rd and my balance was now XXXX. 

Not believing this would happen, I waited a week and called back. I was told that my balance was indeed now XXXX so I deposited the 3rd check. Three days later, the check bounced and my bank took the money back out of my account. I immediately called back and was told again that a credit balance team would be taking care of my problem directly and I would receive a call back in one week. I do not believe that will happen. 

I feel as if American Express is doing everything the can to keep me from closing the account and severing ties.
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I believe I paid the safe deposit box amount of XXXX $ cash to the Bank of America on the day I rented the safe deposit box in XX/XX/XXXX. In XX/XX/XXXX, I received a letter from BOA to inform me that I owe it XXXX dollars for safe deposit box and XXXX dollars for late fee. 
I believe I paid the safe deposit box, because based on my past experience with BOA, BOA would charge me safe deposit box before giving me the key to the safe deposit box. Second, I had cash the day I opened the deposit box, there is no way, I wouldn't pay the XXXX $ for renting a safe deposit box. 
Third, If I didn't pay the safe deposit box, why the BOA only mail me the payment 8 months later? instead let me know that owe its safe deposit money in the last year?
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-13
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. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (OH)

Credit Collection Services are stating the purchase debt from XXXX. Stated to Credit collection   I've never done business with nationwide. Asked credit collection services of a legally signed document that validated debt. They told me they could do that unless I initiated a fraud investigation. Told them my uncle is an attorney and was instructed they have to provide me a legally signed documentation under section 623 and representative hung up the phone.
Consumer complaint received 2020-06-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (GA)

I had co signed on this vehicle with my ex spouse. He was 11 payments delinquent and the vehicle was repossessed, however redeemed. On the original contract I signed it, however I was not a part of the new agreement nor did I agree with it.
Consumer complaint received 2023-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I recertified my income for Public Service Loan Forgiveness with MOHELA in XX/XX/XXXX. On XX/XX/XXXX, they told me that my form had been processed, but none of my payments for XXXX have been correctly certified as qualifying. On XX/XX/XXXX, MOHELA told me via message they would review and process a correction within 14 days and that they would notify me when the correction is completed. To date, they have done nothing.
Consumer complaint received 2023-07-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (GA)

I spoke with the Western Funding team on XXXX and informed them I was unable to make the payment due to late commission being paid. They said no problem and made payment arrangements on XX/XX/ my XXXX informed me that they were calling looking for me regarding the payment and asking as if I have not talked to them at all. When I called the representative on yesterday, she said they were looking for me to return the car to the dealership. When in fact, I have already called western funding on several occasions and advised them that I would be making the payment with a secured payment by card on that date. The Representative then start drilling me that it is against the law for me to sell a car that I don't have a title for which any normal person knows this information. I informed her that I will be paying off the loan within the next few days. I felt threatened and mistreated as a customer because of this experience. '' She told me that's why I can not afford to pay for my car. '' I called back and talked to someone else, and they informed me that I could make the payment which I took care of yestersday so my family would not be contacted anymore when I already called and talked to WesternFunding.
Consumer complaint received 2020-07-22
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: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown 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 XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX    XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all information that is hindering my credit report, this has been an ongoing issue that needs to be resolved asap. checking the information listed all items are illegal an posted incorrectly also identity theft. please review the listed ti items to help delete an remove the listed items to clear my credit report asap.
Consumer complaint received 2020-06-26
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. (GA)

SOMEONE STOLE MY ID ND MY SOCIAL SECURITY NUMBER AND USED IT TO OBTAIN A CAR AND TO SIGN UP FOR SCHOOL I DID NO GIVE ANYONE PERMISSION TO USE MY INFORMATION NOR WAS I AWARE OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-06-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

Speedy cash is reporting completely erroneous information. Account was paid off several years ago. Now they are stating I OPENED ANOTHER ACCOUNT IN XXXX OF THIS YEAR WHICH IS COMPLETELY WRONG. I DID NOT OPEN ANYTHING FROM THEM THIS YEAR. 
They are reporting false information. I believe the amount is around XXXX XXXX. As a new account. This is false!!!! Its.with a collection dept. They have called and said someone opened it online at a bank I DO NOT USE. This is all false!
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (NJ)

This is the 3rd collection agency XXXX has sent this account to for collections. XXXX claims I owe them {$920.00} and I do not. I had an account with XXXX for many years, always paid my bill. When I decided to switch carriers, XXXX tried to convince me to stay. I told them No,  because I had too many problems with XXXX. Since my lease of the devices was up with them, I was told they would send me packaging to send the devices back and my account would be fully closed. I waited and called numerous times, over a 5 month period, before they finally sent me their packing to send the devices back. After several months, they claimed they never received the devices. Fortunately, I videoed myself mailing the devices back. I also provided them with the tracking information confirming they had received the devices. They originally said I owed them {$1700.00} and then said I owed them {$900.00}. I am not paying them anything. This attempt to collect money from me is a result of them being angry that I terminated service with them. Perhaps they are sending this to different collection agencies thinking they will get a different response. I am not paying them another dime. Sending this to different agencies continues to have a profound impact on my credit and I'm tired of it. Please tell me what I can do to finally get rid of XXXX. I dont owe them and I am not paying them a dime. Thank you!
Consumer complaint received 2023-07-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had closed my accounts at bank of America. Sometime later they reopened my accounts when a company wrongly charged my account. They stated because of this, they opened my accounts again without my permission or knowledge. It lead to multiple overdraft fees. Then a company disbursed a refund check for over {$600.00} directly to this account which bank of America applied to my multiple overdraft feess. They refused to refund the fees or the money that was deposited. In addition. When I opened a checking account with them, they took it upon themselves to open another account which again I had no knowledge of and did not give permission to do so. They then charged me fees for this account when I wasnt depositing money into it.
Consumer complaint received 2021-09-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (CA)

I have been in dispute with EOS for some time now concerning my old phone bill through XXXX XXXX. I have spoken with agents there and even handwritten a letter disputing the amount owed. I spoke with EOS then XXXX who referred me back to the on the incorrect final balance owed. They told me I would gear back within 30 days of my handwritten letter but it has been over a month and no response. I've reached out to XXXX and established a new account and they consider the matter resolved. The amount in question being owed is inaccurate as well as the time when the account was open as well. This company is damaging my credit with this erroneous account.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (AL)

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX  Bankruptcy. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition foXXXX XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX for XXXX XXXX Bankruptcy. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXXXXXX bankruptcy petition Potentially negative all are still reporting negative items to my account Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX All of these are discharged from my bankruptcy and still showing up
Consumer complaint received 2019-06-24
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. (TX)

On XX/XX/XXXX I notified XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following company Inquiries : XXXX XXXX XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b and a serious breach of my privacy rights. I requested copies of documentation associated with these accounts bearing my signature, in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that XXXX maintain under my Social Security number. I have not receive copies of documentation associated with these accounts bearing my signature, they continue to report negatively on my credit report. I sent a follow-up certified letter to XXXX regarding this matter but they still failed to provide documentation bearing my signature. This has been a nightmare, as of XXXX I have filed a Identity Theft report with the FTC report and carry this report everywhere I go. Also, I am having issues with TransUnion removing inaccurate reporting on my credit report company Inquiries XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. I have ongoing complaint and investigation filed with XXXX.
Consumer complaint received 2021-03-04
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: Self Financial Inc. (NY)

The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. XXXX says I have a 30 day late payment on XX/XX/2019, XXXX and XXXX says I have an on time payment. On another, it says I have a 120 day late payment on XXXX but on XXXX and XXXX, it says I have on time payments.