davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

All 3 of the credit reporting companies continue to mess up my reports. XXXX and XXXX are by far the worst. XXXX  removed 4 closed accounts in XX/XX/XXXXafter XX/XX/XXXXrightfully did. The accounts were closed and had been paid off. Now, all 4 are back on there for NO APPARENT REASON! Also, an account that has been verified as not mine because I never lived at the address where the utility company has these reported and verified this with my lease, DL, and its on my credit report as not living there, was removed on XX/XX/XXXX and now Is back on there. I DO NOT HAVE TIME TO MONITOR THIS EVERY XXXX DAY!!!
Consumer complaint received 2024-09-01
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. (NC)

I am writing to inform you that I have been a victim of identity theft, leading to the inclusion of multiple fraudulent entries on my credit report without my knowledge or consent. 5 Unauthorized accounts and 10 inquiries have appeared on my report, none of which I approved. 

- Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Inquiries : - XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this identity theft and now request the immediate removal of these fraudulent items to ensure the accuracy of my credit report.
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-09-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (MD)

I had XXXX  XXXX, send for Title for car, from Santander USA, In XX/XX/2021. I called and talked to them on several occasions, from XX/XX/2021, Until this Day, when I requested again by Santander Email Address. This is XX/XX/2021. This car is just sitting, and rusting, because I can't get the Title, To get tags. They been lying saying Mdmva, didn't have an address. Only a XXXX XXXX XXXX Then They said it got lost in the mail. So can you Please Help me.
Consumer complaint received 2020-07-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (TN)

XXXX sold the same debt to two different companies. 

1. Caine and Weiner- acct XXXX, settled on XX/XX/XXXX paid in full on that date, confirmation number XXXX, This is still reported as owed as of XX/XX/XXXX. I reported this to the company twice and was told that even though this was settled in full, the credit burea should have been reported to but was not. Noone was helpful and this is still showing on my credit as owing the full amount. 
2. XXXX XXXX XXXX This is a duplicate but is still showing on my credit. 

Neither company has stopped reporting to my credit bureau. From speaking to Caine and Weiner, they posted to account number XXXX, which is not my account but the account of someone with this same name as me. I just want these taken off of my credit report immediately.
Consumer complaint received 2021-10-15
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: Afterpay US Services, LLC (TX)

I've been having an account with afterpay to 2+ years and this is the 2nd tine they dropped my limit and changed my status for no reason. I returned an item to XXXX XXXX on XX/XX/2021. I called and advised Afterpay. It took a while for XXXX XXXX to receive the returned so I called and asked did I need to pay to prevent changes on my account I talked to a XXXX and she said that i had 10 days before there would be any changes. The next day my credit limit changed and my status went from Mint to gold. They also received the refund from the company. I called to advise them of this and they said that they would fix the mistake in 24-48 hours. It has been since XX/XX/2021 and the correct has not been made even though they confirmed that I have never been late on my account., and that they would fix it. I followed up yesterday and they acting as if nothing is wrong with my account. Like their was never an issue.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the FOCUS FINANCIAL SERVICES ( Original Creditor : XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2019-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Transfinancial Companies, Inc (LA)

date: XX/XX/2018
amount: $ XXXX
violation: 12 C.F.R part 1022 Subpart D
               Section 604 (g) 15 U.S.C. 1681b (g)
               section 609 (c)(1)
               section 604 (b) 15 U.S.C 1681 b(b)
Consumer complaint received 2019-10-28
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. (NJ)

I have a closed credit card on my EXPERIAN credit report with late payments that are negatively affecting my XXXX XXXX. I did not open this card myself, had no knowledge of it, and was not aware of its mismanagement. Once i became aware of the card, i paid it off and closed it immediately. I have tried disputing with Experian, but have not been successful. I really need and would appreciate some help.
Consumer complaint received 2019-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (CA)

I have an unverified account from Online Information Services. I had previously disputed this account. I have never done business with Online Information Services. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Online Information Services provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any  additional interest, charges, or other fees placed on this account.
Consumer complaint received 2024-11-16
Product: Credit 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 (IN)

Bank of America promised XXXX XXXX cash back on home improvements. However, I am only receiving XXXX XXXX. I tried to call for an explanation, but it was impossible to get past the robot recordings, and they were not helpful.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request a reinvestigation of an account listed on my credit report. After reviewing my Equifax credit report dated [ XX/XX/year> ], I noticed the following account that I believe are inaccurate. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already disputed this account with XXXX, and they have removed it from my credit report. Given this action by XXXX, I request that XXXX also review this account and make the necessary corrections or deletions if it is determined to be inaccurate
Consumer complaint received 2019-10-28
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: Colony Brands, Inc. (NY)

ON XX/XX/19, I INITIALLY SENT LETTERS TO XXXX XXXX XXXX AND XXXX XXXX  DISPUTING A DEBT BEING REPORTED TO THE CREDIT BUREAUS AND FOR THEM TO VALIDATE THIS DEBT. ON XX/XX/19, THEY RESPONDED WITH A PRINTOUT TRANSACTION SUMMARY FOR WHICH I SENT SUBSEQUENT LETTER ON XX/XX/19 DEMANDING THT THEY PROVIDE ME WITH ANY VIABLE EVIDENCE THAT THESE ACCOUNTS WERE MINE ( ie. SIGNED CONTRACT or ANYTHING BEARING MY SIGNATURE ) THAT GIVES THEM THE RIGHT TO COLLECT FROM ME OR REPORT THIS DEBT AGAINST ME. TO DATE THEY HAVE NOT DONE SO OR REFUSE TO. I HAVE NO RECORD OF EVER DOING BUSINESS WITH THESE COMPANIES AND HAVE DISPUTED THIS ALSO WITH THE BUREAUS, BUT THEY KEEP RESPONDING THAT THE DEBT IS VERIFIED WITHOUT OFFERING THE PROOF OF HOW THIS DEBT WAS VERIFIED. I HAVE REPEATEDLY ASKED THAT THE DEROGATORY INFORMATION BE DELETED AS THIS IS CAUSING SIGNIFICANT FINANCIAL HARM TO MY QUALITY OF LIFE AND IT WAS LAST YEAR AND SUBSEQUENTLY REINSTATED THIS YEAR WITHOUT ANY PRIOR NOTICE. THE REPORTING OF THIS DEROGATORY AND INCORRECT INFORMATION IS DETRIMENTAL TO ME AND MY FAMILY 'S QUALITY OF LIFE AND I REQUEST YOUR FURTHER ASSISTANCE IN HAVING IT REMOVED AS ALL MY PREVIOUS REQUESTS TO THE BUREAUS AND THESE TWO COMPANIES HAVE BEEN BLATANTLY IGNORED. PLEASE NOTE THAT XXXX HAS CHOSEN TO STALL THE PROCESS BY SENDING ME A LETTER ON XX/XX/19 REQUESTING I SEND INFORMATION TO VERIFY MY IDENTITY. THAT WAS DONE ON XX/XX/19 BUT ON XX/XX/19, THEY SENT ME THE SAME LETTER REQUESTING THE SAME INFORMATION AGAIN. THIS IS PAST THE 30 DAY WINDOW THAT THEY ARE REQUIRED TO CONDUCT THIS INVESTIGATION. XXXX  RESPONDED TO MY SECOND LETTER WITH TWO POSTCARDS STATING IN SOME INSTANCES THEY ARE ABLE TO DETERMINE WHETHER DISPUTED INFORMATION SHOULD BE DELETED OR CHANGED. HOW CAN THAT BE, IF THE INFORMATION IS WRONG?
Consumer complaint received 2021-01-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company (VA)

Requested validation of debt on XX/XX/XXXX, From Merchant Credit Guide Co, and received a response on XX/XX/XXXX. The response was only a print out of a bill of services that included protected HIPPA information. I feel violated that my HIPPA information was disseminated without my authorization and my signed HIPPA release form. Looking at my XXXX  credit report they have reported 4 times with 4 different dollar amounts with a different amount that is on the letter they sent me.
Consumer complaint received 2019-10-28
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. (MI)

I have tried to contact Transunion about this issue and to no avail. They treat me as the villan and the creditors as the victim. They allow anyone to run my credit without verifying that they have my permission then tell me to contact the creditors that violated my rights. They then send a letter stating that these creditors do not need my written authorization which I know is a direct violation of the FCRA requirements. How do they keep getting away with this madness. They then proceed to tell me to contact these creditors that violated my rights individually which is clearly waht they are supposed to do before they place this information in my file. How am I supposed to contact 40 different creditors and pay for certified mail 40 times. That doesn't make any since.
Consumer complaint received 2022-06-10
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: LEXISNEXIS (OH)

On XXXX XXXX I received A letter from LexisNexis advising me that the Security Freeze on my Consumer file I requested was in place. Consumer # XXXX Case # XXXX. So today XXXX XXXX I was highly disappointed to received a letter from XXXX XXXX advising me that my application was denied Due to Information that they had acquired form LexisNexus even though I had a Security Freeze in place. Lexis Nexis has violated my federally Protected Rights under 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) also 15 USC 1681 ( b ) 15 USC 1681 Section 604 states A Consumer Agency can not and shall not furnish A Account without my writtem Instruction.
Consumer complaint received 2022-01-17
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. (MN)

I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-09-01
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. (UT)

I recently reviewed my credit report and I have the news that I still have this fraudulent account that had previously been removed and this reappears and is hurting my credit and my opportunity to have opportunities and this is against the law to obtain credit please remove these fraudulent accounts from my report thank you
Consumer complaint received 2024-12-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TX)

I requested a deferment on my car loan with Kia Finance in XXXXThe only reason I knew it was not approved though I sent in all my papework was because I got a default nptice from them. 
When I asked why, they claim I needed to call them back which the representative never told me to do. 
Now fast forward to XXXX, Kia has some of the most rudest and ileeterate and uneducated employees. 
I finally spoke to a supervisor, he told me to call back and request the deferment again.

One rep in customer service said I could but decided to hang up.Another one from some carribean country was into his Ego and decided not to send the time sensitive paperwork.

Now, I spoke to someone in the U.S who was having a bad monday morning today and decided instead of hanging up, to put me back in the call pool to speak to another representative. 
Long and short, no one can help me.Even to an issue with the car that has an incident number, no one can help. 
I SAY NEVER AGAIN TO A KIA
Consumer complaint received 2021-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NM)

XX/XX/2021 I received a letter from Phoenix Financial Services claiming I owe a debt to ACH XXXX XXXX XXXX XXXX XXXX. Not knowing who that is I went to the companies website listed on their letter only to see that their website does not exist. Questioning this is a fraudulent company. I called the number listed on the letter and a woman answered and made no attempt under the FDCPA to Identify me nor read me the required FDCPA Disclosure ( mini-miranda ). I informed her I was an attorney specifically in the collection industry and requested documentation of services as defined in the New Mexico ( state of my residence ) Patients Debt Collection Practices Act. She said I was making that up and she only adhered to the " Fair Credit Act ''. I asked if she was referring to the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ), she replied " the law of the land ''?? Assuming she is not trained as a collector I asked for a Compliance Manager. Another woman came on the line and stated that the Medical Center in question was in Omaha NE. I informed her I live in New Mexico, not Nebraska.  She said she did not know much else. I asked for statements, she asked if I wanted to pay my debt. I outlined my dispute and complaint and she told me to get an attorney and hung up on me. 

** '' Get an attorney '' would be inferring to the least sophisticated consumer a threat of legal action. 

XXXX*The 1st rep did not state the FDCPA disclosure, mini-miranda **Refused to provide statements outlining services as dictated under XXXX XXXX Debt Collection Practices Act **My Dispute was not accepted and this debt is reported to my credit bureau. 

*****The letter was sent from a known 3rd party vendor, deemed a violation by the 11th Circuit decision of Hunstein v. Preferred Collection stemming XXXX 's of " XXXX '' type cases to be filed in every court. 

Pre-Suit Demand 1. Waive this debt 2 Delete this credit reporting 3. Restitution of {$1000.00} per violation outlined above. 

Truly XXXX XXXX XXXX
Consumer complaint received 2023-02-04
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00} ; XXXX XXXX  Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (WI)

I took a loan out for {$15000.00} approximately in XX/XX/XXXX. The car payments were being made automatically out of my checking account. 

In XXXX I'm told that I'm being sued from credit acceptance XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX through XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX I told XXXX XXXX XXXX that I wasn't aware the payments were not being made. Granted I should balance my checking, but I know the amount of money approximately going on so I know I'm safe. 

I never received any notices from credit acceptance stating they were going to repossess the car so I was confused. XXXX XXXX XXXX set me up on a payment plan for {$650.00} s month. I told them that amount was too much they said that was all they could do. I wasn't able to come up with the {$650.00} however the next month I post dated a check for {$650.00} to catch up. 

{$650.00} is too much but I was forced that amount for payment. Now my case has been reopened. 

I wasn't treated right by credit acceptance when I tried explaining the situation. I never received any paperwork from credit acceptance. Upon my own investigation I found out that credit acceptance used my insurance agents address for my address. This would explain why I wasn't getting paperwork from credit acceptance corporation. If I was that far behind on my car payments then I would have received a car repossession. I haven't used XXXX XXXX  in XXXX XXXX for my insurance in years. I can't help that the loan was set up with the wrong address. 

Please help me. It's not right that a company can say they tried contacting you and sent you multiple letters when they entered the wrong address in their system from the start of the loan. Then years later they lie and say they sent me letters.