davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

We lived in the XXXX at XXXX XXXX from XXXX XXXX XXXX. At around XXXX or XXXX of XXXX we could tell there was a change in management. We were waiting for our written notice for renewing our lease, in order to tell them we will not be renewing, but this notice never happened. In the past this notice was sent back around XXXX or XXXX for us. The purpose of including this is to show how disorganized they were. My husband decided to contact them at the end of XXXX to end our lease. Of course due to rising XXXX concerns, they were no longer in office. It took us a week of leaving voicemails to get ahold of them. My husband explained the situation that we will not be renewing our lease and when can we leave by to not have a charge. The company told us we could leave by XX/XX/XXXX, and that our balance would just be the remaining rent for that XXXX balance, which was around {$400.00}. We agreed on these terms, paid our balance and moved our. A month later we received a bill from them of {$900.00}. We had no idea what we were getting charged for so much husband tried to contact them. Again no one was in the office so we got no call back from all the voicemails left. After I sent an email we got a call back stating that the balance was from us leaving early. This was not something that was stated to us as they agreed we could leave XX/XX/XXXX with no debt owed but the {$400.00}. The company said they would call us back the next day to solve our issue. This call never happened, and in fact they ignored all our calls and emails to dispute this and within a few weeks sent this to collections. I now have a hit on my credit due to this and the company refuses to fix our issue. We are asking if we could please solve this so I could get it removed thank you.
Consumer complaint received 2020-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is my second time doing this because you guys didn't believe It was me. I am submitting some documents with this to prove that this is me reaching out to you because these companies have violated the law and I humbly am seeking justice. XXXX and XXXX a whole month and some change apart. If you read my letters I specifically asked according to the way the US supreme court cases have been handled and these companies violated over and over again and so I am now reaching out to you guys for the hope of future achievement.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  an

d Experian 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 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN HONDA FINANCE CORP (NJ)

AMERICAN HONDA FINANCE reported me late during a pandemic. I was XXXX XXXX with XXXX and had XXXX. I worked very hard to keep up with payments. I had a deferment. I requested a goodwill late update to never late. honda ignored me. I feel that I should receive a goodwill update. I would like late fees deleted I cant afford to pay XXXX I request a goodwill. 
Account # XXXX Product:XXXX XXXX VIN:XXXX  Term:36 Payment Due DateXX/XX/2020 Current Payment Due : {$480.00} Past Due : {$480.00} Total Fees Due : {$110.00}
Consumer complaint received 2020-10-23
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. (SC)

This is an old case regarding XXXX XXXX. That case wasXXXX. 


It was deleted on another credit bureau when they spoke to XXXX XXXX. 

This is part of what XXXX  explained when XXXX removed the remark : Company 's Response ...

... In your complaint, you indicate that there is an account listed on the credit report that isnt yours. You are requesting the account to be deleted. At your request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. The data furnisher has deleted the account from the credit report. ...
In the event TransUnion does not recognize me ( File Number  XXXX as of XX/XX/2020 ) and does not remove this information this will be resolved in court if necessary.
Consumer complaint received 2020-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have disputed this several times as identity theft and even asked for a breakdown of the charges which none of the companies will provide. The debt is for {$1000.00} from Account Resolution Services. Not to mention this is a direct HIPAA violation on reporting medical information. I have contacted all 3 credit bereaus.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

I am unable to access the experian website despite having a PIN in my files that is still accurate, a SSN and DOB that are correct, and having called and tried all online solutions. Their website is useless and their phone system is 100 % automated and just points to their website. It is impossible to resolve this as a consumer, and experian only staffs their business customer support team.
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (CA)

I have a mortgage loan with Customer Service Inquiries and  Payments LoanCare ( XXXX ) Attn : Customer Service XXXX XXXX   XXXX XXXX  XXXX, VA XXXX Telephone : XXXX Fax : XXXX Monday - Friday XXXX XXXX. XXXX XXXX. ET Saturday XXXX XXXX. XXXX XXXX. ET. 

I was in forbearance and after I applied for deferred balance, they put it and the end of loan. I continue doing my monthly payments. Now that interest rates are lower, I try to refinance but the new company asked me to pay for deferred balance in order to qualified me. I have called LoanCare and I explained that I would like to pay my deferred balance because I'm going to refinance with a lower interest rate. They said '' I can't pay my deferred balance because the deferred was processed and move it to the end of my loan, that I have to pay all my loan in order to pay the deferred balance ''. I asked them if they can refinance my loan and they said, ''LoanCare do not refinance loans, I was told. '' I have spoken with them several times, and one of those calls, the new company that I'm trying to refinance called them in 3 lines call as well and explained them that  was unfair that they are doing this to me, and asked them to find a Soluciones for me but so far, they are not willing to help me. LoanCare company never told me that if I applied for deferred the only way to pay it off it was going to be until I pay all my loan first and that will be a problem if I would like some day to refinance. I was not aware of that. If I was aware, I will never do something like that. Now I'm so frustrated that I'm locked in to that company with that high rate because they do not let me pay my deferred balance.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2024-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-09-09
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. (VA)

Sent Validation of debt letter in XX/XX/2020 and hadn't received a reply from bureau. Multiple inaccuracies on credit report that need to be fixed. Utility Bill and ID also sent out.
Consumer complaint received 2024-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Allied Collection Services, Inc. (Nevada) (PA)

My information or data has been compromised by by XXXX data breach and another company called XXXX took my information and said they've completed my credit repair that I never asked for? Because of this my bank had me re-verify my identification causing more financial Hardship due to the closures of my bank accounts.
Consumer complaint received 2022-09-20
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. (GA)

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 31 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
Consumer complaint received 2024-12-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute inaccurate information contained in my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I recently obtained a copy of my credit report from your agency, and I have identified an error that needs to be corrected immediately. 



The item I am disputing is as follows : America Carmart This account is marked as a repossession when lot offered to close account out with no penalties due to electrical issue they couldn't fix, car dealership manager in the XXXX TN office processed the account closure on there behalf. 



This information is inaccurate because [ provide a brief explanation of why the information is incorrect, e.g., I have never opened this account, This account was paid off in full, etc. ]. Enclosed, I have provided the following documentation to support my claim Under the FCRA, you are required to investigate my dispute, notify the furnisher of the information, and respond to me within 30 days of receiving this letter. If your investigation confirms that the disputed information is inaccurate, I request that you promptly correct or delete the erroneous data and notify me in writing of the changes made to my credit report.

Additionally, I am requesting that you provide me with the name, address, and contact information of the entity that supplied the inaccurate information, as I may need to follow up with them directly. 



Please confirm receipt of this dispute and keep me informed of the progress of your investigation. I expect full compliance with your obligations under the FCRA, and I reserve the right to take legal action to protect my rights if this matter is not resolved promptly. 



Thank you for your attention to this matter. I look forward to your timely response. 



Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control Company, Inc. (AR)

Over the past several months I've attempted to resolve wrong/inaccurate identity theft related accounts with a company called Credit Control Company. I have reached out via mail with both the three major consumer reporting agencies and directly with Credit Control Company.  I've included a copy of an identity theft report # XXXX, affidavits, and dispute letters. In addition Credit Control Company continues to violate the Fair Debt Collection Practice Act and Fair Credit Reporting Act under Arkansas by attempting to collect on Medical Debt more than 2 years old. I also requested HIPPA release documentation which was never provided by Credit Control Company. Despite these several violations of my consumer rights, these fraud related/inaccurate accounts continue to appear on my credit reports. I find these actions unacceptable and Credit Control Company must be held accountable.
Consumer complaint received 2020-10-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

RE : Report number XXXX I am filing this complaint because Experian has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-04
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: Experian Information Solutions Inc. (NJ)

I called the company and they said that on their end they do not have my payments late. But for the past 5months experience is saying that I have been making late payments which is not true because it come out of my checking account each month on the same day. Please fix this problem. It needs to be removed.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (IL)

I tried to wire {$20000.00} to the XXXX through my bank, XXXXXXXX XXXX in XXXX, Illinois. And now my understanding is the money was sent to Citibank XXXX before getting sent to XXXXXXXX XXXX XXXXXXXX in XXXX, XXXX. The first wire transfer happened on XX/XX/2022, but the problem was both my name, the sender and the recipient 's name, my sister were misspelled, so the money was returned to citibank XXXX on XX/XX/2022. Multiple service emails were sent by my bank to correct the names and re-send the money. Citibank never reply to any emails from my bank. Then the money was wired again by them on XX/XX/2022 with the same misspelled names, so it was returned again on XX/XX/2022. Currently, I am working with XXXX XXXX  on trying to retrieve the money back, but they are still not responding to my bank. I tried to call Citibank on XX/XX/2022 but I was never entertained because " I don't have an account with them '' per call agent. All I am asking for is a response from them, to know where my money is and when can I get it back. This had caused me severe XXXX, huge delay on building our house, and put me on big financial difficulties.
Consumer complaint received 2020-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have called XXXX  and Transunion numerous times over the past 6 months regarding inquiries that were on my credit report that weren't recognized. I was told by both credit bureaus that I needed to call each and every company that had pulled my credit. I did. Upon calling I was told that they didn't have any information on file with my name or SS #. I called XXXX  and Transunion back. I then was told I needed to add fraud alert on my report and go to the police station and file a report. I added the fraud alert, I took days off to try and file a police report and was told at the police office that they are unable to file a report of such. I'm very frustrated and annoyed that I keep getting the runaround and not getting any help. XXXX  was able to help me and I had NO ISSUES with them at all. I was then told last week to contact the FTC and or Consumer Finance.
Consumer complaint received 2020-07-08
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. (GA)

I AM A VICTIM OF IDENTITY THEFT.THERE ARE ACOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME AND WERE NOT OPEN ED BY ME.PLEASE FIND OUT WHO OPENED THESE ACCOUNTS AND PLEASE STOP FURTHER VICIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS ON MY CREDIT. THEY TRIED TO OPEN SEVERAL ACCOUNTS UNDER MY NAME, I HAVE TONS OF INQUIRIES THAT DO NOT BELONG TO ME.
Consumer complaint received 2021-07-10
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. (FL)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2021-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (WV)

Noticed derogatory mark on credit from services I never had. Called the company and they said I had an account with an internet service I can not even obtain where I live. My social security number is linked to it. Also said that I moved the service to another address when Ive lived where I live now my whole life. Not my debt, said I could only pay the debt to get it off my credit report. Im not paying it, as its not my debt.