davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-28
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: Special Financing Company, LLC (GA)

I reviewed my credit report and learned there was an unauthorized inquiry made by XXXX XXXX XXXX on XX/XX/2018. The unauthorized inquiry was made to my XXXX Credit Report. On XX/XX/2018, I sent a letter to the address provided on my credit report requesting that the company cease its unauthorized hard inquiries into my credit report and that they contact the credit bureau to have the inquiry removed. I communicated that to my knowledge, I had not signed any documents authorizing their organization to view my credit history and therefore the inquiry violated the Fair Credit Reporting Action Section 1681b ( c ) : Transaction Not Initiated by Consumer. I asked them to furnish any document that they believed authorized their organization to make inquiries into my credit report and I requested that the document be sent to my address. In responding to my inquiry, the company merely stated that " your credit report pulled was based on the application request received by XXXX XXXX XXXX. Special Financing Company can not remove any credit inquiries due to the fact the application do not commence with our office. '' As an initial matter, I didn't authorize any applications. Secondly, XXXX XXXX XXXX isn't listed on my credit report, XXXX XXXX XXXXXXXX, a/k/a " Special Financing Company '' is listed. Indeed, XXXX XXXX XXXXXXXX is a " furnisher '' as described by 16 CFR 660.2 ( c ) because it is an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. I have a copy of the mailed letter ( certified ) and the company 's response. I would like the inquiry removed from my XXXX Credit Report.
Consumer complaint received 2024-10-06
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 am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Equifax is listing an incorrect Social Security Number on my credit report in the Other ID section of the report. 

They list it as XXXX XXXX. It was reported on XX/XX/2016. 

I have never had this Social Security number and it should be deleted from my credit report.
Consumer complaint received 2018-08-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MA)

I am behind one payment of {$25.00} and over my credit limit by approximately {$27.00} for the month of XXXX and I have received numerous call from a couple of numbers. 
XX/XX/XXXX- called 1x,XX/XX/18- called 1x, XX/XX/18 -called 2x, XXXX called 2x, XX/XX/18 called 2x,XX/XX/18- called 2x,XX/XX/18-called x,XX/XX/18- called 3x. 

I might have missed some calls because I do not answer numbers I am unfamiliar with. 

Have not spoken with them, I missed a {$25.00} payment and late fees.
Consumer complaint received 2024-10-06
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)

I received a text notification alert from XXXX bank saying that someone reported bankruptcy on my XXXX Card I went on my XXXX Card app immediately and logged on only to find out I was XXXX from using the app. I was told by the supervisor XXXX from XXXX Card that my account was in fact charged off and closed due to a bankruptcy - I explained to the supervisor XXXX that this is a big mistake because I did not claim bankruptcy. We verified the account number to make sure and it was in fact my account number that was being reported incorrectly and closed. 
My account was falsely closed and falsely reported on all three credit bureaus. My mom and I have the same name and reside at the same address, however we both have different social security numbers and dates of birth, I dont even know how my credit card information was obtained for this to even happen. I have no linked credit cards with my mom. My card was falsely closed and falsely being reported and now my credit is showing a bankruptcy that is not mine. I owe money on the card and I cant even long onto the app to pay it because XXXX restricted and the account is closed bankrupt/closed/charge off. 

The supervisor XXXX told me she will put this into investigation but I need to write a complaint for the investigation department to explain my situation in more detail to help with the process of restoring my card and removing this information and to attach a copy of my drivers license. 

My card needs to be reinstated and this bankruptcy needs to be resolved because its not mine, Please assist as this is a HUGE mistake
Consumer complaint received 2024-10-06
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. (CA)

I am writing to request the removal of unauthorized credit inquiries on my Experian and XXXX credit report. My latest credit report shows XXXX credit inquiries that I did not authorize. Please remove these hard inquiries from my report they are hurting my ability to obtain credit.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, these accounts and inquiries were added without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately blocked and removed. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Midwest Recovery Systems (CA)

I phones Midwest Recovery Systems at XXXX in regards to a missed call. (I also noted that a negative comment was placed on my credit report by this company XX/XX/XXXX). The young lady I spoke to told me I had a debt of $XXXX. I explained to her that I had filed chapter XXXX bankruptcy in XX/XX/XXXX and that it had been discharged XX/XX/XXXX. She told me that it did not matter and that I still owed the money from a loan that was taken out from My Next Day Cash in XX/XX/XXXX. I explained to her that the bankruptcy cleared all debts and she just hung up the phone. This same company had phoned my 2 years ago and I explained to them then that I was in chapter XXXX and even offered to send them a copy of my discharge papers.
Consumer complaint received 2018-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CA)

In XXXX/2017 I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR a DEBT I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT I am citizen of the unites states of age, would like to make a complaint against operating credit debt collection agency XXXX XXXX XXXX ACT # XXXX the company apparently does not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).
Consumer complaint received 2018-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (LA)

An unknown company with an unknown date reported some payday loan or something that is not mine to XXXX  and XXXX on XX/XX/XXXX. I filed a complaint with both credit reporting agencies with supporting documentation and XXXX removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) Midwest recovery has ZERO documentation 3 ) they harassed my parents back in XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by this time
Consumer complaint received 2018-08-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

My employer does not allow personal calls on the 2 main lines in our office. My place of employment is a busy XXXX and XXXX XXXX XXXX XXXX that employs licensed professionals and our patients are always in my office and I am often in meetings and sessions with patients. I received a call from PR and the receptionist had to come in a room in front of co workers and tell me I had a call from ( the reps name ) and it was a personal matter. The caller ID identifies the caller as Portfolio Recovery. I took the call and had to talk quietly and told the Rep to never call that number again. A different day a week later I was in a group that was about to start and the receptionist again notified me I had a Call that was personal from ( the reps name ) I asked her to tell them I could not take the call. About a week later I received a 3rd call from XXXX and took the call and notified the rep ( XXXX ) I had made it clear I would be written up by my employer if I continue to receive calls from a collection agency and it threatened the dignity of my job for a trashy collection agency to turn aggressive and harass me at my employment. She stated she would take the number out but the first Rep said they would not call my employment again and they did 2 more times. The agency knows what they are doing is illegal but because these debts are about to be removed from my credit report they are doing anything to intimidate me and harass me to get their money.
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I received a letter dated X/X/2018 from JP Morgan Chase Bank regarding my XXXX reward credit card. I have been advised my account will be closed for I could " create possible reputational risk to them '' if they continue our relationship. They contacted me to open this account. I had a mortgage with Chase for more then 15 years, it was NEVER late. I do not owe any monies to any one or any business. My credit is perfect. I will also loose my points associated with this account if I do not use them by XXXX. I wrote demanding an answer as to why my account is being closed, I still have not heard from them. In looking on line other persons have written this has happened to them. Many have various felonies on them, I do not have ANY record, not even a traffic ticket. I do not use this card much at all, however I do demand a reason as to why they are closing this account. I also do not want to loose my points. Any help is appreciated.
Consumer complaint received 2018-01-16
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX 2016 - I purchased a XXXX XXXX XXXX from XXXX XXXX. They promised me they could get me a better finance rate than I could get. I was in agreement that I wanted my loan to be financed by Capital One. I informed XXXX XXXX that I did not want XXXX XXXX. My loan with Capital One was approved. XXXX XXXX sold my loan without my knowledge or permission to XXXX XXXX because they could get more money from them than Capital One. This is per a XXXX XXXX employee. 

Supposedly, XXXX XXXX records their loan transactions. If this correct, you will see me and hear me saying several times that I do not want a loan from XXXX XXXX! 

I never had a loan with Capital One. Since I dislike XXXX XXXX, I refinanced with XXXX XXXX XXXX. XXXX had informed me that I could write a note on my credit report and disputed it. I told XXXX that I want my credit report to show that I did not have a loan with Capital One, and want it removed. Also, I want it said that XXXX XXXX sold my loan to XXXX XXXX. They said no because they can not say anything derogatory. Why bother to tell me I can dispute it and write a note? XXXX obviously lied to me. 

Furthermore, I never gave permission that XXXX XXXX could obtain my credit information and never authorized a loan with them. This needs to be illegal!
Consumer complaint received 2018-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valley Collection Service, LLC (AZ)

This Company Valley Collection Serv is attempting to collect a DEBT that I DONT OWE!! 
they are letting someone else who is occupying the address XXXX XXXX XXXX use my name for their utility service!! I have written them a letter and tried to get this handles and fixed they have failed to fix it and are still reporting the inaccurate and false information on my credit report. 
I have not lived at the previous address. I have not been using their utility service, I asked them to provide me with legal proof that this is my debt and they have failed, all they sent me was the amount owed!
Consumer complaint received 2018-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Quality Recovery Services, Inc. (GA)

On XX/XX/XXXX, I had rented a 1 bdrm apartment for $ XXXX/mos for a 6 month term at XXXX XXXX in XXXX XXXX, Sc. This collections balance had NOT shown up on my credit until recently. They had initially reported that I owed {$2100.00}. 
I then reached out to their parent company, XXXX XXXX, and spoke via email with XXXX XXXX regarding this erroneous charge as I only had a 6mos lease there. I had then sent XXXX some backup documestation, including my written notice to vacate, dated on XX/XX/XXXX. XXXX had then stated that this community required a 60 day notice, and I had only given a 48 day notice. She had also indicated ( via email ) that she was " unsure '' as to what this balance was from as nothing was documented. I agreed to pay her the prorated amount between the 48 day to 60 day notice, but I REFUSE to pay $ 2k+ as 1 ) I DID NOT owe it 2 ) Why was I never notified of this for 3 years? 3 ) I have EVERYTHING documented and never once did the former leasing agent reach out to me for this supposed " past due amount ''. With that being said, XXXX had decreased the amount due on my credit report {$1000.00}, which proves my point that that $ 2k+ balance was never owed & why would they randomly knock off half of the amount due? 

As I told XXXX, I will pay the prorated amount owed between the 48/60 day notice on the apartment, because that is owed per the contract. However, I will NOT pay this $ 1200+/- balance they are showing that is due because it is n't. And I have plenty of backup documentation to prove it.
Consumer complaint received 2018-12-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

I signed the contract when I made the money transfer. The contract did not stipulate any right of Western Union to refuse the transaction. Their guarantee stated the funds would be with the recipient within one business day. After the recipient ( whom I have used in the past for a tour in XXXX ) let me know they could not access the funds, I called Western Union to find out the reason. They refused the transaction but could not specify where they had the right to proceed with this action. When I asked the manager ( XXXX xXXXX in XXXX, XXXX ), he hung up on me!

Along with blatantly poor customer service, they guarantee funds will be transferred, make you sign a contract that stipulates their fees, but no where do they say they can refuse the transfer of funds. They should be liable for the delay of funds as their guarantee is useless.
Consumer complaint received 2018-01-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (GA)

On XX/X/2017 XXXX XXXX XXXX aquireed a fraudulent debt from XXXX XXXX XXXX. I have sent in several validation letters to the company as well as my police report filed stating my identity was stolen around the time of this loan was taken out. Still without any avial they have n't made any attempts in resolving this matter. I have started filing a lawsuit against the company for it unfair and unpractical debt practices. they arent licensed to collect sets in the state of Georgia yet they still attempt to collect this fraudulent account debt from me. It is affecting my credit as well as my ability to purchase a new home for myself and my children. This debt was old to them by Santander who has since stated that the debt was fraudulent and have removed me out of their system. now i need XXXX XXXX to do the same.
Consumer complaint received 2018-01-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC (AZ)

The caller XXXX XXXX XXXX XXXX is looking for someone else ( XXXX XXXX ). We purchased our home from a bank foreclosure 7 years ago and this agency continues to contact us regarding the former homeowner despite our advisement that we are not the persons they seek nor do we have any affiliation. Their phone number is XXXX. They make robocalls multiple times per week : XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX
Consumer complaint received 2018-01-16
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. (AZ)

I previously disputed items which you verified as accurate. However I asked in writing XX/XX/2017 to please provide me with your method of verification, I asked for the following information in accordance with the FCRA. 
1. copies of any documents you used to make your decision, including electronic correspondence of all types. 
2. A copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information received from that data. 
3. the name and job title and contact information of the individuals you contacted at the data furnisher. 
4.the name and job title and contact information of all employees within the organization that played a part in handling the dispute. 

you have failed to provide valid information and method of verification and I ask that you delete these tradelines immediately
Consumer complaint received 2018-01-16
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. (AZ)

I previously disputed items which you verified as accurate. However I asked in writing XX/XX/2017 to please provide me with your method of verification, I asked for the following information in accordance with the FCRA. 
1. copies of any documents you used to make your decision, including electronic correspondence of all types.

2. A copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information received from that data.

3. the name and job title and contact information of the individuals you contacted at the data furnisher.

4.the name and job title and contact information of all employees within the organization that played a part in handling the dispute. 

you have failed to provide valid information and method of verification and I ask that you delete these tradelines immediately
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (AR)

XX/XX/XXXX got a letter in the mail regarding a debit that is not mine. I closed my XXXX XXXX XXXX in XX/XX/XXXX when I purchased my house and havent opened a one since.