davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-19
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. (IL)

XXXX   XXXX  is reporting negative on my account for a  CANCELED CONTRACT.  I have recently been informed that there is negative information reported by   XXXX   XXXX   XXXX   in the file transunion and  XXXX  maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing showing that i owe {$2400.00} to   XXXX   XXXX   XXXX  . I dispute the accuracy of this listing.Please validate this information with national credit systems and provide me with copies of any documentation associated with this account, bearing my signature showing that i have done business with them, signed a contract with them or owe this company specifically money. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   I am keeping careful record of experian and transunion 's actions, including their Method of Verification. I do not consent to  XXXX  or any means of automated verification.   I have been the victim of id theft and this company is claiming that i owe them money, but they can not produce DATED, SIGNED CONTRACTS THAT I HAVE DONE BUSINESS WITH THEM OR OWE THEM ANY MONEY. Again, i need to see copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable XXXXredit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2017-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (VA)

This company is the worse I paid the car off  XXXX  2016  wrote a check for  XXXX  check cleared my account and i have a bank statement that show this.   XXXX   XXXX     XXXX  repoed my car  XXXX  2016  for non payment. I sent the bank statement to them it took me 30 days to talk to someone and all i got out of her was can we do a  three  way call with the bank. My bank informs me that not only will they not do a third party phone call thats related to sensitive personal information they would n't even give me my account number over the phone. So that was it no more working with me my credit tanked  XXXX  points because of a fraudulent repo and  XXXX  for a car I no longer have these people need to be shut down we have enough fraudulent corporations in America.
Consumer complaint received 2017-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OK)

I have been making payments on my student loan for over 3 years without missing a single payment and I HAVE YET TO SEE A CHANGE IN MY PRINCIPAL AMOUNT OWED. As a matter of fact when the loans were incurred my total debt was approximately {$23000.00}. AS OF TODAY THE OUTSTANDING BALANCE HAS GROWN TO {$32000.00}.   HOW IS THIS POSSIBLE?!! !! First of all, it is bad en ough that parents and students are having to bury themselves in debt just to obtain a higher education degree, but then to  XXXX   XXXX  with fees, compounded interested multipli ed by 2 and on and on and NEVER SEE THE LIGHT AT THE END OF THE TUNNEL after making payments mo nth after month consecutively, on time is just too much.   In this country you can not get a decent job with a college degree, yet we are penalized and forced into insurmountable debt just to obtain that degree. It is a disgrace. I have written letters first to  XXXX   XXXX  and then  to Navient ( who took over the servicing of my student loan ) asking for itemized break down of where all my payments are being applied, why my balance never changes and have never received any respons e.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 to be removed/updated.

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.

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!
Consumer complaint received 2017-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (IN)

This is a debt that was paid off before I even received services with  XXXX   XXXX  again. ERC says I owe them {$330.00}. This is impossible since I settled with ERC the first time my account was in collection, paid {$100.00} to pay off that account on  XXXX / XXXX /  XXXX  . Which was a true debt. I 've called them many times to try and get this settled, the person on the other line knew it was n't a true debt and always credited my account. Then the {$330.00} would keep reappearing on my account with no end. Now it is in collections for the second time even though I had already paid it off. I have no access ( because of   XXXX    ) to my account with them so there is no way for me to look up anything related to my debt charges.   In the attached documents below, there are payments that add up to {$330.00}. My last payment was the {$100.00} for the debt settlement.
Consumer complaint received 2024-10-25
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. (VA)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
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)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collins Asset Group, LLC (GA)

Upon reviewing my consumer report I noticed Collins Asset Group was reporting a duplicate account from another lender ( XXXX XXXX ). Its a violation for two companies to try to collect on the same account. I never had an account with Collins group or never given anyone permission to sell or buy my personal information which is considered identity theft fraud. I previously requested the original purchase agreement to validate the alleged debt and to see if any and all of the information is accurate. I have not received the verification at all.
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MS)

On XXXX XXXX 2016 I purchased a new car .At that time no collection was listed, but on XXXX XXXX 2016 a report was listed as collection for $ XXXX.I do not have any idea what this is or whom it is from. It is not mine. I call Equifax at XXXX XXXX XXXX XXXX and all you get is recordings.Never can one speak to a LIVE PERSON. Account number XXXX that was given to me when I made a purchase on XXXX XXXX 2016. Due this error my score dropped over XXXX points. Equifax has a history of entering bogus information. They go by name and SSAN or address plays no role in their determination of how it is entered. This is not the first time this has happened to me personally. 

I would like to have this information removed from my report and to be made aware of what company entered this information. 

I ca n't contact anyone direct -- I have no idea of whom it is..
Consumer complaint received 2017-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AZ)

I set up an online money transfer to my friend from  my Wellsfargo checking  account by using its  XXXX  function. On  XXXX  I got a letter from the bank informing me that " You have canceled a payment to ( my friend name ) ... '' which I never did. I am currently out of the country for business trip until  XXXX , so I had to make  three  international calls today (  XXXX  -  XXXX ,  XXXX ,   XXXX   XXXX   ) talking to  Wellsfargo  customer service and online fraud dept trying to find out what was going on.     I gave them my bank account, SSN, online banking user name and answered couple questions they asked, then I was told based on the information I provided the only way I can do is to go to  a Wellsfargo branch with my picture ID and then call them again. I informed them my situation ( out of the country until   XXXX   ) and ask if any other info such as passport/driver License etc. I can provid e to prove my identity or I can even go to the nearby  US Embassy if needed, however they insisted that the only way they can help me is that I go to a Wellsfargo branc h. I feel frustrated and asked for the info of whoever in charge of the online fraud dept or talk to different dept to solve the problem, however the supervisor (  XXXX ,  XXXX   )  told me their dept is the only one and they already put a notice on my account so even if I talk to any other depts they will transfer me back to online fraud dept, so the only way they can help is, again, go back to  US, find a Wellsfargo branch, show a personal banker my picture ID, and ask that  person to call online fraud dept.     Something wrong here. Understand that   Wellsfargo try to protect customers ' interest, but not no flexibility with rude attitude. If this is Wellsfargo policy, a wrong policy.
I will not stop my critical business trip to go back to US now just f  or a {$1500.00} online transfer. I will just use my account from another bank to do it. Yes, I will still go to a local  Wellsfargo branch after I go back to the States, but what I will do is just cancel all my 4 accounts with Wellsfargo.
Consumer complaint received 2017-05-20
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: Santander Consumer USA Holdings Inc. (KS)

My   XXXX   credit bureau was pulled by  Santander Consumer USA  on  XX/XX/2015   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Consumer complaint received 2017-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Someone tried to break in to my apartment ... ... .told the management I did n't feel safe ... .. '' nothing we can do about it '' was their responds so I gave notice and moved ... ..never heard any more about it until I checked my credit report?????
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

To whom  it may conc ern, My name is  XXXX   XXXX , I am currently having an account with  FCO, Fair Collections & Outsourcing Inc. T he amount that was delinquent was  XXXX , originated on  XXXX / XXXX / XXXX . However, the collector attempted to reage the debt to  XXXX / XXXX / XXXX , which in my understanding is at once unethical and illegal.     Please help,  XXXX   XXXX
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MT)

I had a credit card with Comenity Capital Bank ;  XXXX   XXXX   XXXX  ;  XXXX , Oh  XXXX  ; and charged one item for {$19.00} in  XXXX ,   XXXX  . I paid the bill in full  five day s ahead of the due date. The sent me a statement saying that it was late and charged {$39.00} in late fees. i  XXXX  I wrote them a letter stating that I did not think this was fair as I sent the money timely. I asked that they cancel the late fee and close the account. About a month later I got a letter stating that they closed the account and then later another statement showing another late fee charged.     I have written them  three times over the past nine  months. The first time in  XXXX    XXXX   ; the second i sent a certified letter on  XXXX   XXXX ,   XXXX   and then again more recently on  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX ,  XXXX  I returned a very rude telephone message that I received from a  XXXX  demanding that I pay the then bill of {$190.00} ( all in late fees ). She called my office number which I did not authorize. I told her not to call me on this number again as I am not allowed to make personal calls and offered her {$20.00} to end the whole thing. She refused and threatened to refer me to their legal representative and insinuated they would damage my   credit score.
At this time they are charging over {$200.00} in late fees all on a one tim  e purchase of less that {$20.00}. I think this predatory and ridiculous.
Consumer complaint received 2017-05-19
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. (MD)

I have tried to resolve this alleged debt owed from  XXXX  to  XXXX . I tried to contact  XXXX  in reference to this bill and was told they no longer handle the account. I contacted  XXXX  initially via phone but they were not interested in anything besides how was I going to make payment. I had  XXXX  at a previous address other than the one listed on the bill that was provided to me as a validation. The previous bill was handled through an amnesty program I was awarded after the equipment was returned. I am not sure where this bill is coming from and why. I requested a contract to show me agreeing to any terms and conditions regarding this account. I am more than sure there is not one but I requested it just in case I was remiss. I do n't know how or when this account was set up. There is a previous balance listed on the statement that was provided but the statement is incomplete and does not show what the previous balance entailed. After not receiving any assistance from  XXXX  I contacted the credit bureaus directly I never received a response from the but my credit report has been updated as account meets FCRA requirements. I would like to know what documentation or information did they receive that validated this account and meets FCRA requirements.
Consumer complaint received 2024-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Google Compare Credit Cards Inc. (MI)

-Google Store delivered XXXX  XXXX on XX/XX/XXXX. 
-Purchase made in reliance on Google marketing about " premium '' qualities of device, implied warranty of merchantability as bolstered by Google 's commitment to sustainability - software update many years into the future of the device ownership -Generally purchase devices with major credit card in order to extend warranty support beyond manufacturer standard. Enticed and purchased this device via Google Store credit. 
-Notified Google support XX/XX/XXXXXXXX  that serious antenna malfunction, dropped calls for at least 30 days prior despite troubleshooting with Google as well as with wireless carrier, switching to new wireless carrier -After Google technical representative was unable to resolve the problem via troubleshooting was transferred to a Google representative who advised presenting the phone to a repair shop independent of Google at my own expense and my own risk. 
-Google representative ultimately offered a 20 % discount on a newer device for " loyalty ''. Google XXXX XXXX previously discontinued. Would incur substantial cost for equivalent device. Discount offered was less than other discounts offered to Google One Subscribers as well as the general public. 
-No link or instructions to use discount code provided. Concern was concluded without further action from Google.
Consumer complaint received 2017-05-20
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. (KS)

My TransUnion credit bureau was pulled by  XXXX   XXXX  on  X/XX/2014   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

Some took credit card out in my my name with I am in a XXXX  XXXX. I attached a tell for an example of what I need to incure new debt. No one thinks by law I have to have that letter. I do the ftc. Is involved. What's on my report is XXXX XXXX. I will becasking all XXXX companies to send the letter to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amount are XXXX XXXX XXXX XXXX XXXX  XXXX. And XXXX XXXX XXXX XXXX for XXXX.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''