davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (IL)

XXXX XXXX XXXX XXXX is trying to collect money we don not owe them We were insured by XXXX until XX/XX/XXXX and did not renew. Mean while when we relocated temporary we signed insurance coverage with a different vendor that started in XX/XX/XXXX XXXX claims we owe them money after their policy expired but we did not renew with XXXX In XX/XX/XXXX We received collection letter from Waine & Cainer that we owe {$820.00} We contacted Waine & Cainer and sent them copy of Proof of insurance that we were covered by other carrier at the time XXXX Claims they insured us. 
Several times they refused to except this and kept harassing us. 
Last month they finally excepted that we do not owe this money and said that we are all good. 

Until yesterday, when I received another letter of collection from Pucin & Friedland for the same issue that I thought we just resolved. 
Looks like Waine & Cainer and Pucin & friedland is a related company and just refuses to except that we do not owe any money I just want them to stop this and remove and negative impact on our credit Thank you
Consumer complaint received 2022-10-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (ME)

I was called, and stated the person they were looking for was unavailable. They refused to state the reason for the call and a recorded line disclosure. Afterward the caller asked to repeat the number to call back which I stated I did not write down nor would I, she then began to yell at me using profanity in telling me I was a horrible person.
Consumer complaint received 2022-06-28
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. (PA)

I have attempted to remove inquiries from Equifax Credit profile due to fraud. These inquires are as follows : XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also contacted XXXX  and they have notified all credit agenicies to delete said inquiries from my credit file for an unauthorized application. ( See letter Dated XX/XX/XXXX ) I have previously filed a report and have yet to get this matter resolved ( See attachment ) Also on XX/XX/XXXX I have another unauthorized inquiry from XXXX XXXX  that is from an unauthorized application since I have no personal business with XXXX XXXX  I wish for this inquiry also to be removed.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Identity theft through XXXX with chase bank XXXX XXXX payments each for XXXX and a total of XXXX were made to the following XXXX for {$2000.00} XXXX for XXXX On XX/XX/XXXX The back has yet to credit me for this fraud and I have to pay my rent on XX/XX/XXXX 2022
Consumer complaint received 2024-10-15
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-10-15
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. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-15
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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2022-06-29
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. (TX)

15 U.S. Code 1681i section 5 ( D ) ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. 

accounts XXXX account # XXXXXXXX XXXX  account # XXXX This accounts by the other consumer reporting agency were found inaccurate information and Removed
Consumer complaint received 2020-08-18
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. (CA)

I am having issues getting a fraudulent account removed from my credit reports. My identity was stolen and as a result there is a XXXX XXXX account, a XXXX XXXX inquiry, and an address on my reports that do not belong to me. I never opened this account or used it. I disputed this with the 3 credit bureaus on XX/XX/XXXX but to no luck. XXXX  told me they couldn't locate my file and to send a copy of my ID and Social Security card. I already sent them both items as well as my identity theft affidavit, police report, AND documents from the IRS stating that my identity had been compromised. XXXX  is just making excuses to avoid doing their job. I never even received a response from Experian or XXXX  so they are clearly avoiding their duties as well.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I have recently looked over my credit report and realized some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies have illegally assumed this role without MY permission not only that I NEVER GAVE them my consent to report this information to anyone. They did not respect my right to privacy which is clearly state in 15 USC 1681 ( a ) ( 4 ). The credit reporting agencies have NOT exercised their grave responsibility, they were unfair, they were partial and because of that they each have violated my consumer rights. The credit reporting agencies have NEVER had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed your company to furnish this report and I never consented to this report in the first place.
Consumer complaint received 2020-08-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: World Acceptance Corporation (KY)

WFC has extended the 7 year statute of limitations by reporting a charge off period from 11 to 14 months, depending on which bureau it is. The FCRA states it should be a 6 month time period. 

This illegal action has made the charged off account even more negative by increasing the SOL by 6-7 months. 

I have requested this issue be fixed numerous times.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NY)

SynchronyBank/Sam'sClub World Elite Mastercard. I have durable power of attorney for my mom. Trying to close this acct. Per their request, I sent in the durable POA. They acknowledge receipt. Three phone calls and talking to 5 people and receiving a letter from them, the XXXX XXXX refuses to close acct unless I provide my DOB and SS to prove who I am. I have repeatedly told them the signed, sealed, notarized, and recorded POA proves who I am. I just want to close her account, not use it. They refuse to close it. I have asked to speak to the department responsible for the letter to address. They refuse to put me in contact with a person of decision making position. 
My mother is in XXXX living and will not be using this XXXX. There is no reason to have my personal identification to close an account when they have a signed, notarized and sealed POA which allows me to act on her behalf.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I got an email with a credit card offer from XXXX XXXXXXXX saying I was preapproved, and when I went to the site, When I applied, I got an alert on my credit that it was XXXX XXXX XXXX and not XXXXXXXX XXXXXXXX and immediately called the company telling them it was false advertising, and that I did not need a card that was for people establishing credit as I already have great credit with established credit. I told them they need to take off the inquiry as it was advertised on my email as XXXX XXXX. They said I needed to call Experian to get it off, and when I called Experian, they said I need to call XXXX XXXX XXXX. I need this hard inquiry off of my credit immediately because of them acting like it was a XXXX XXXX.
Consumer complaint received 2022-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX - fathers XXXX took my money from account mom and I shared. 

XXXX - account is now frozen and no checking status and being accused of fraud and knowing alleged fraudulent checks are being deposited by me, given by my mother or father. Berated multiple times during phone call despite being XXXX and in a different city of father and not knowing of XXXX or what a XXXX  is
Consumer complaint received 2020-08-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

This is in regards to the error made by XXXX when a new auto insurance policy account # XXXX was created on XX/XX/XXXX by a sales agent working for XXXX, XXXX XXXX from XXXX XXXX XXXX to replace or override a previous Policy # XXXX that according to XXXX it had a balance amount of {$380.00} and now it stands at {$1000.00} in my credit bureau report. The monthly premium billing for the new policy was significant higher than the premium amounts from the old policy of about {$300.00} to {$400.00} more. The premiums from the old policy was {$430.00} and on average very consistent each month but the premium payment amounts debited from my bank account for the new policy effective XXXX were much higher and very inconsistent in amount each month ranging from {$640.00} to {$780.00} and when my daughter questioned this high increase in premium to the agent, XXXX XXXX, he explained that the first bill for the new policy was higher due to the transition from the old policy and the new one, and we thought that was the reason since we were issue a credit of ( {$410.00} ) along with a debited payment of {$480.00} on the following month XXXX of XXXX. Also XXXX confirmed my suspicion on the, XXXX that my daughters and myself were charged for 2 overlapping policy accounts when the new one was created for the month of XXXX from XXXX from XX/XX/XXXX to XX/XX/XXXX. I had spent more than 3 hours with them during the week of XX/XX/XXXX to point out the mistakes they did but they refuse to admit to any errors even the one that I had pointed out very clear to them about the overlapping days in which their only response was that they would request from CCS collection agency to adjust the collection debt amount from {$1000.00} to {$550.00} for the overlap billing amounts or the billing for 2 identical  auto policy during the period range of XXXX to XX/XX/XXXX. They didn't want to admit that they had made errors or apologetic even after I clearly show the error of the overlapping billing amounts of being charged to 2 auto policies instead of one. The XXXX Resolution Leader,  XXXX, said that they are going to request the collection agency ( CCS ) that to adjust the debt collection amount to {$550.00} from {$1000.00} but nothing has been done. I sincerely think that any balance from the old policy was paid already. The payments they debited from bank account were too irregular and the increase in premium was to high for the same kind of policy and therefore an investigation of this is needed as soon as possible. Thank you.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I XXXX XXXX never enter any consumer credit transaction with ARS ACCOUNT RESOLUTION for them to have obtain my personal information. Pursuant 15 usc 1692 ( a ) this is infringement upon my consumer 's right to privacy. By ARS ACCOUNT RESOLUTION obtaining my personal information without my consent they have committed fraud and identity thief and I have filed an FTC complaint and attached it below. ARS ACCOUNT RESOLUTION furnishing this allege debt to my consumer report they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now I can not do business with anybody else due to ARS ACCOUNT RESOLUTION reporting this allege debt to my consumer 's reports.
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

In school deferment I was told if I could not afford to make payments while in school I should keep this deferment and if I made payments during school it would not count towards forgiveness as my last loan had not yet been disbursed.
Consumer complaint received 2019-10-24
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. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX
Consumer complaint received 2022-07-08
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. (TX)

This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this account was ever late. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX .... violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 

Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX through Bankruptcy XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Deposit Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$98.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Account history 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 XXXX XXXX XXXX XXXX Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I have asked the credit repair companies to do multiple checks on my credit report for errors. They stated that everything was accurate and after another check of my credit report I still see that they were not verified correctly or at all. Even after providing the bureaus letters from the creditors themselves they still refuse to make the necessary changes. These accounts are as follows : XXXX XXXX, XXXX Capital XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have many inaccuracies including : Account Status, Date Opened, Payment History, Account Status, Date last reported, Date last active, Date of last payment..etc. 

In accordance with the Fair Credit act Convergent All of these accounts have violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-08-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NY)

Calvary Portfolio Collections with a phone number of XXXX keeps calling me asking for " XXXX XXXX ''. I have blocked this number however ; they still continue to call me. My number has NEVER been associated with XXXX XXXX. My phone number XXXX has ALWAYS been associated with XXXX XXXX XXXX ( me ). I called the number back today XXXX and put in extension XXXX which was left on my voicemail. The persons name was XXXX. When I called back, a lady answered and it was not XXXX. I called at XXXX on XXXX XX/XX/2020. She asked if I knew XXXX and I said no to stop calling me. The history of calls is as follows : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX This is ridiculous. They are just calling anyone with the name " XXXX '' to try and reach XXXX. I am tired of the harassing calls. I am NOT XXXX XXXX.
Consumer complaint received 2022-08-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am sending a complaint in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. The XXXX credit bureaus are required to authenticate this account XXXX XXXX XXXX Balance : {$0.00} Date Opened XX/XX/2019 under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account.
Consumer complaint received 2021-10-14
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. (WI)

I disputed the following information with XXXX, XXXX, & Transunion and they have yet to respond in the time allowed by the FCRA. Transunion, XXXX, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY CHAP XXXX