davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-27
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. (TX)

I sent letters to   XXXX   to remove inquiries that I did not approve I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done which violates my rights as a consumer. I reached out to them several times to advise that my credit is being pulled ithout my permission and they advised me they couldnt remove them along with the incorrect names and addresses.
Consumer complaint received 2022-12-15
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX, and XXXX XXXX Date Opened XX/XX/2019 Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

NOTICE OF COMMERCIAL LIEN INTENT!! PRTFOLIO RECOVERY ASSOCIATES LLC HAS USED FICTITIOUS NAMES 3 TIMES AND VIOLATES FEDERAL CODE, note memorandum ; NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 3 counts. CEASE AND DESIST AT ONCE, THIS IS COMMUNICATION FROM LEGAL COUNSEL FOR THE PLAINTIFF, NOTICE OF COMMERCIAL LIEN COMMENCEMENT,
Consumer complaint received 2022-12-14
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: MoneyLion Inc. (AZ)

On XX/XX/XXXX, I received an alert on my experian credit report that a loan for XXXX dollars from a company called Money Lion had been taken out in my name. That day, I immediately locked my credit file, placed a fraud alert on my credit profile and filed a dispute with XXXX. The dispute number was XXXX. In early XXXX I was alerted that Money Lion stated the loan information was accurate and my dispute was denied. I called that day and filed a second " fraud '' dispute with experian, # XXXX. I was notified early this month that dispute was also denied. I also filed a report with the federal trade commission. The overdue balance has now reported to my credit and my score has dropped significantly. Please help..
Consumer complaint received 2022-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I recently traded a XXXXXXXX XXXX in for a XXXX tundra at XXXX of XXXX XXXX. In the deal they agreed to pay out my old truck at XXXX XXXX which is what I owed and to sell me the new truck for XXXX XXXX. When I got my first bill it was close to XXXX XXXX. I contacted the dealer to find out they only paid XXXX XXXX for my trade and they added XXXX XXXX dollars in extra warranties and insurances I had didnt know even existed. They never gave me a copy of the contract. They wrote the wrong name on the contract. They also never explained any of the contract which is required by law they do. I have since had them remove the extra charges yet my loan amount is still XXXX XXXX so my payments are still for an XXXX XXXX loan. Also my i street rate is for the XXXX XXXX as well. I never agreed to this amount. I have contacted XXXX XXXX several times and the dealer as well and I was told at the dealer I have to buy another vehicle and I have to pay sales taxes on the new and old vehicle. I just spoke to the sales manager today and was just hung up on and told i can refinance which I cant or buy a lesser vehicle and pay the sales taxes on both the vehicles. Then he hung up on me. Ive been contacting the dealer about this since XXXX as well as XXXX XXXX. Nothing. Please help.
Consumer complaint received 2022-12-14
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (CA)

I submitted numerous complaints about this situation but ad astra still not giving a clear path to resolve this matter, ad astra never properly notified me of this debt due to circumstances I described in past and I repeat again, the address they had was not residential address rather mail delivering service which due to national disaster temporary suspended delivery of mail, mails were going in but no distribution because they were ordered by United state government to stay home. every citizen of this country was ordered to stay home, all businesses were suspended except for ad astra. I was home and suffered from covid illness, majority of Americans jobless due to international disaster including me, a payday loan was nonsense because no pay.all financial institution suspended collection at that time, speedy cash made lots of money from consumers but yet did not act patriotic and help their fellow Americans, courts, legal and government agencies, place of business and churches were closed. Now what I am asking to give me a clear path as how we can work this out and negotiate to remove this debt from credit bureaus. What it takes and what needed for me to do considering the facts I represented, ad astra knew about emergency circumstances at that time, many people were in hospital or quarantine, including me, how in the world they could notify anyone properly and legally at that time, they should of temporarily suspended their debt collecting activities till thing normalized. Now tell
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (GA)

Firstly, I have never missed a credit card payment in my entire life ( something I pride myself on ). I also make sure to have auto-pay enabled on all of my accounts, as to never miss a payment. Nevertheless, I also regularly payoff the cards ahead-of-time. 

I check my credit score daily, and when I reviewed it today ( XXXX ) I saw that it was down XXXX points ( XXXX to XXXX ) because of a delinquent payment. I checked through all of my accounts to see where the issue may be and saw that my Apple Credit Card XXXX Goldman Sachs Bank USA XXXX was reporting that I was roughly 30 days late on a ~ {$100.00} dollar payment. 

I was extremely confused because as I stated previously, auto-pay is enabled on all of my accounts. I paid it off immediately, and had to **RE-ENABLE** Apple 's auto-pay feature when I had already done so previously. 

I received no correspondence that this was going to occur in the background, or that my auto-pay was disabled unbeknownst to me. Now my credit score has tanked significantly and pending any rectifying of this, I will have to wait seven years to " age '' off of my report. All for product disfunction on Apple 's end that I wasn't notified for.
Consumer complaint received 2017-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group (GA)

Profit Services Group reported a false debt to the credit reporting agencies in an attempt to collect a false debt in the amount of {$1900.00}. This false actions is continuously reporting on my reports as negative and making my life horrible. I have made several attempts to contact the reporting agencies to remove the debt. Every letter was demanding for validation within 30 days or the debt must be removed. After receiving no response, I mailed a certified letter to the collection agency directly and still received no response. These actions have been over the course of 3 months, which gave them ample enough time to valid or remove the debt. I have never received a letter or anything from them regarding this assumed debt.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2017-06-27
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. (IL)

I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and XXXX XXXX XXXX on behalf of XXXX XXXX XXXX ; I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Transunion, XXXX and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.
Consumer complaint received 2022-12-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I received a phone call from a legal advisor to the CEO of XXXX, in reference to my complaint to the CFPB about XXXX reporting of late payments ( 120,30 days on file ). I wanted to start this letter by mentioning XXXX is centered itself by the pride of taking care of its MILITARY! Its bases is its militatry members, it is its grass roots of its banking. Now with that said I have been a member with XXXX over 30 years, 19 of those years I served my country and six of years where combat tours, and 2019 I was % XXXX XXXX both from XXXX XXXX XXXX XXXX. I tried after multiple venues to explain this XXXX and as other worked with me. The phone call I received from XXXX was the most humiliating phone call to date on a recorded line. Not only due I suffer emotional issues from this but being humilatied by a professional banking system for a costumer request?
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AZ)

I have PayPal account made a purchase on XXXX  website paid the money month later received the items opened the package four of the items were missing immediately called them when home looked at items they said 2x but they were medium to small they had me takes pics which l have, PayPal says work with the seller which l did, but when PayPal does their Dispute lnvestgation that's when everything went wrong the seller agreed to refund my money l have all the emails stating that along with the tracking number for the returned items PayPal refused to return my money that l paid up front and denied my case l given them emails of all the communication between the seller stating that they were going refund my money., that they called the postoffice to confirm the tracking number and whe. It was delivered.
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm.
Consumer complaint received 2022-12-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (FL)

I have previously filed a complaint with the CFPB about a fraudulent auto loan account with Wells Fargo Dealer Services in XXXX of XXXX. I have never applied for the loan or opened it. I did not purchase a vehicle in XXXX. In fact, I was not living in the XXXX in XXXX  and I still reside XXXX XXXX XXXX. For the past several years I've been trying to resolve this issue, yet no one has ever spoken to me about it. As I said, I do not reside in the XXXX and haven't for over a decade. I have given up Wells Fargo representatives, and ever someone name XXXX XXXX, the only practical way to get in touch with me over the past several years and I have yet to speak to someone in the fraud department with Wells Fargo. This account is almost 7 years old, no one ever paid on it, the address used to open it is not mine, the signature used doesn't belong to me, it hasn't reported in several years on my credit report, however, continues to cause problems for me. I have now gotten a lawyer involved and will do whatever I takes at this point to resolve it, even if it means going to court. This is an auto loan account that was opened fraudulently nearly 7 years ago, no one has ever bothered to discuss it with me despite my many efforts to talk to someone from the other side of the world several time zones away, and the account hasn't reported anything in on my credit profiles, yet it is still there. I want it removed now! It's a 7-year-old account that is fraudulent, what is there to discuss at this point? Besides, as I said no one has ever contacted me from the Fraud Department despite my efforts to reach them. Remove it now!! I have now gotten an attorney involved to have it removed. I just want this off my credit reports.
Consumer complaint received 2022-12-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

NOTICE OF DISPUTE You are in receipt of notice under the authority of The Fair Debt Collections Practices Act regarding. It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe. In order that I can make arrangements to pay an obligation you are claiming I may owe, please document and verify the debt by complying under penalty of perjury with this request for validation and verification notice that I dispute part of, or all of the alleged debt.

Pursuant to 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) I am requesting the following documents to verify your claim is valid and lawful. Please note that I am requesting verified documents under penalty of perjury.

Please provide or produce the following ; ( 1 ) The amount of the debt.

( 2 ) The creditor to whom the debt is owed.

( 3 ) Proof that you mailed me a statement putting me on notice that I had 30 days to respond, or you would assume this debt is valid.
( 4 ) Because I was never notified within the 30 day period as required I am starting my 30 day period today. I am putting you on Notice making it clear to your company that I dispute this alleged debt.

( 5 ) Because you failed to do so I am demanding that you provide me with the name and address of the ORIGINAL creditor.

Pursuant to 15 USC 1592g ( b ) I am requesting the name and address of the ORIGINAL creditor, I am demanding that you cease collection of the alleged debt, or any disputed portion thereof, until your company obtains verification in the form of an affidavit under penalty of perjury or a copy of a judgment, or the name and address of the ORIGINAL creditor, and a copy of such verification or judgment, or name and address of the ORIGINAL creditor, is mailed to me by your company. 

Regards, XXXX XXXX
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

This is a youth checking account that converted to a regular checking upon the child turning XXXX. Mom is listed as an account holder still. Unauthorized account charges from XXXX have occurred. Usaa will not speak to the mom or child on the account and has not addressed the charges. Thus is due to not being able to authenticate the child who has limited info in XXXX XXXX and has issues accessing the site. Usaa refused tech support requests, etc
Consumer complaint received 2022-12-14
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Currently, I pay {$270.00} bi weekly to the XXXX XXXX XXXX but the company is continuing to report my payments as XXXX days late. My bi weekly payments are made on time but my credit report does not reflect these timely payments. If the company agrees to a payment arrangement then the credit report should reflect accordingly. Its a mis-representation of the agreement between myself and the auto company.
Consumer complaint received 2022-12-14
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: Resurgent Capital Services L.P. (FL)

I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX, LVNV FUNDING LLC, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX. I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened. I am requesting for these accounts to be removed immediately.
Consumer complaint received 2022-12-14
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: American Profit Recovery, Inc., Marlborough, MA Branch (IL)

SENT A VALIDATION LETTER TO THE COMANY, NEVER RECIEVED A RESPONSE ACCORDING TO FCRA STANDARDS.