davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-30
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

I, XXXX, completely paid off my medical debt prior to the trial date for the lawsuit that debt collector, Smith Rouchon and Associates ( of XXXX, Mississippi ), filed against me in the Justice Court of XXXX County, Mississippi. 

Despite my full payment - and my being issued a receipt from the law firm for debt collector, Smith Rouchon and Associates, which is named XXXX ( XXXX, Mississippi, as well ) - this debt collector, through its attorneys, still went ahead and obtained a Default Judgment against me. 

In order to obtain this Default Judgment, Smith Rouchon and Assoc./XXXX, went to Court and swore to the Court that I still owed this ( completely paid-off ) medical debt. This was a false certification to the Court. I had paid off the debt, in full, prior to this hearing date in XXXX County ( Mississippi ) Justice Court. 

I did not show up for that trial/hearing date, since I had paid off the debt, and I had a receipt for my full payment. 

Years went by before I discovered that this fraudulently-obtained Default Judgment against me was filed. I only discovered this shocking fact after I was denied for automobile loans, could not obtain a mortgage for the amount I needed, and other severe problems stemming from this fraudulent Default Judgment being reported to the major credit-reporting-bureaus. 

I paid my debt, yet Smith Rouchon and Assoc./XXXX, nonetheless, went ahead and lied to the Court and obtained a fraudulent Default Judgment against me that ruined my credit for years. 

This situation has caused me financial harm, embarrassment, incredible XXXX, and shame.
Consumer complaint received 2016-06-05
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MN)

On XXXX XXXX American Express solicited me with a " new offer '' to apply for a Delta Skymiles credit card. The offer I received explained that I would receive XXXX Delta Skymiles if I completed the application and then used the credit card to purchase {$3000.00} worth of goods within the first 3 months of receiving the card. I applied for the card and spent {$3000.00} before XXXX XXXX. I contacted XXXX at AMEX customer service on XXXX XXXX inquiring about the miles not credited to my Skymiles account and he opened case # XXXX. On XXXX XXXX, XXXX I received my next account statement and I still had not received credit from American Express, even though i had spent the {$3000.00} in eligible expenses. When I contacted AmEx customer service I was transferred to a supervisor who informed me that I am not eligible to receive the offer because I had opened a Delta American Express card years ago. American Express clearly had that information when they sent me the new offer for a new American Express card in XX/XX/XXXX. I can not understand how its ethical or even legal to send someone a false and misleading offer for credit promising incentives that you will later claim you will not honor. I am requesting that American Express honor the offer they sent to me promising XXXX Delta Sky Miles after I spent {$3000.00} on a new American Express card. I accepted the offer in good faith and I expect American Express to complete the offer as it was described in their credit solicitation.
Consumer complaint received 2024-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-28
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (MD)

I am receiving numerous harassing calls from CashNetUSA for a loan that I did n't apply for. I have never applied for a loan with this company, I believe that someone has used my social security number and stolen my identity for this loan.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

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 2017-03-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

After 20 years with USAA, I am suing this piece of XXXX company for BAD FAITH, BREACH OF CONTRACT AND UNETHICAL BUSINESS PRACTICES. 
Never late with any payments, never had any claims on any house or vehicle in 20 years. 
Directed USAA to place my secondary car into " storage status '' in XX/XX/XXXX as it was replaced by my primary car. 
This conversation was recorded by USAA. USAA continued to bill my auto policy at FULL COVERAGE for over 5 years until it was sold in XX/XX/XXXX. I asked for a refund due to USAA 's negligence to place the car into " storage status ''. They refuse. 
After making no changes to my policy for years, I spoke with an agent in XX/XX/XXXX to drop a driver from my policy. During that recorded phone conversation, the agent persuaded me to drop the comp/collision of my son 's car and to either drop or reduce the comp/collision on my primary vehicle. I reluctantly complied due to the persistence of the agent, raising my deductible from {$500.00} to {$1000.00}. 
Two weeks after being persuaded to make this change, my car was vandalized, causing nearly {$2500.00} worth of damage. I immediately provided the Sheriff 's report to USAA. The assigned agent directed me to either take the car to USAA 's preferred repair providers or to choose a repair shop closer to my home. The shops that USAA recommended have horrendous reviews, so I obtained four estimates from shops that have excellent ratings and reviews. 
After repeatedly calling my assigned agent without being able to reach him and without any contact from USAA, I finally asked for a supervisor. The supervisor stated my claim had been closed. 
The claim was reopened and the supervisor stated that I could not take the car to a shop of my choosing, contradicting what the agent directed me to do. 
Due to USAA 's agent persuading me to change the comp/collision deductible two weeks prior to it being vandalized, I requested that the deductible either be reduced to the original {$500.00} or to waive it completely as the damage was through no fault of my own. USAA refuses to do either. I asked to escalate this issue to the Underwriters to have the deductible waived or reduced. The request was refused. 
Three days after speaking with supervisor XXXX, I received a notice from USAA that my auto policy rates would be increasing because of the vandalism claim on my vehicle. 
The horrendous customer " service '', refusal to investigate the overcharges related to my vehicle that should have been on " storage status '', the agent persuading me to change the comp/collision deductible, refusal to honor the original deductible or waive the deductible, and then raising my rates due to this vandalism incident are disgusting examples of how NOT to treat a long time customer.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

Chexsystems is wrong! 
The FCRA section 605B, says all i have to provide is a copy of " an identity theft report '' Nothing at all about dates or time frames of when the fraud occurred. Chexsystems is trying to interpret and rewrite the law, which is illegal. They have 4 business days to block the fraud, and they never do. 
I got the XXXX accounts removed from my record, Chexsystems had to block it only. I gave them the information two years ago, they broke the law for two years, and lie about it like in this reply. 
Look at their policies and see this blatant disregard for the law. Chexsystems refuses to deal with the facts and hides behind XXXX. 
I am appalled by this behavior and asked them to provide me their policies in how they treat my account, they lie to your entity, imagine how they abuse other customers. 
Sad, and illegal is how Chexsystems breaking of tbe law is classified. 
Stop them from breaking the law, have their policies follow the law. There is fraud all over my account. 
They refuse to obey the law and harm instead. 
Fraud ten years ago, that is still being committed today, only takes ONE police report, unless it was now comitted by myself. The banks never charged me, because it is NOT me. 
Chexsystems can not ASSUME that, and not obey the law. 
I will attach the law, so they see there are no provisions in this law, for how they break the law.
Consumer complaint received 2023-07-14
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: Affirm Holdings, Inc (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX look at what you just sent me XXXX XXXX of this matter a statement dated XX/XX/2023 which when i got i paid imediatly i paid more before that in XXXX when i taught it was XXXX XXXX which you guys put on account but didnt make the amount you guys wanted till i got the bill in XXXX i had no idea what was going on i taught it was taxes and tried to pay mid XXXX which i get no credit for
Consumer complaint received 2023-08-31
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. (GA)

I XXXX XXXX noticed Two fraudulent accounts appearing on my credit reports. I have attached an FTC report and additional supported documentation. 
XXXX. XXXX {$420.00} XXXX. XXXX XXXX {$650.00}
Consumer complaint received 2017-02-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Lincoln Educational Services Corporation (MD)

Lincoln Tech entered into a contractual agreement with my underaged son whereby I signed as his parent as a cosigner. Without my knowledge or consent, my son dropped out of school and instead of Lincoln Tech sending me an initial request with the appropriate information regarding my son 's debt, they send me threatening letters stating that the account was past due and that they could not contact my son and that they would report this debt negatively to the credit bureaus on my account. I contacted this company several times in writing asking for the appropriate information informing them that I had an issue with them sending me threatening letters when I had never been initially contacted about the original debt.. The company did not respond to my requests for information and verification and yet continued to send me threatening letters stating that they would report negative information on my credit report. I believe that this company violated my rights under the Fair Debt Consumer Reporting Act. I have asked this company several times, where did they expect an underaged child to be able to immediately pay back over XXXX without a response. I believe this college practices predatory lending and even though I have paid them XXXX payments they have reported inaccurate negative information on my credit bureau report.
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (TX)

XXXX XXXX Account XXXX Has Been removed from my Experian account and they were reporting on my XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed. 15 U.S. Code $ 1681c-2 a consumer reporting agency 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. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (MD)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (GA)

Months ago, I sent the three credit bureaus a letter asking them to remove this questionable information, but nothing has changed. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #.. This was mentioned in my previous COMPLAINT #, and I include it again. Kindly delete the following items. Thank you. 
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
Consumer complaint received 2023-07-12
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. (PA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

I am being charged a {$34.00} insufficient funds fee by Chase Bank, which is dated XX/XX/XXXX but was not charged to my account until XX/XX/XXXX ( I know this because my account continued to show a positive balance on XX/XX/XXXX at just after XXXX AM ). This has occurred on previous occasions, and despite several attempts to resolve this issue with Chase Bank, they remain unwilling to resolve the situation. I have advised several representatives of Chase Bank that I am unwilling to pay a fee for insufficient funds when I had a positive balance in the account. This amounts to nothing more than deceptive business practices and borders on consumer fraud.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2017-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (UT)

FedLoan Servicing. My XXXX loans were through XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once I graduated with my XXXX  Degree FedLoan Servicing had my loans. They told me I had to consolidate everything for Public Service Loan Forgiveness. I consolidated in 2011 and since that time worked for a XXXX XXXX making payments which continued to increase each year as expected due to income driven repayment. Each year when I would certify they would tell me I had not done the certification in a timely manner and would say I owed about 900.00 ( two payments together ) or would make me take a monthly foreberance and take a hit in interest and principal. This happened for 5 years total. I have now also been made aware that because I was told I had to consolidate I missed the opportunity of loan forgiveness through XXXX. This has in return caused a significant increase in my student loans which are currently about 72,000 which FedLoan Servicing continues to service with outrageous interest rates and all my penalties in 10 years I will have paid almost 200,000.00 Each year I dealt with this gross misuse and unethical practices and threats. I have each certification from my HR rep and notes in my FedLoan account about my continued concerns for not being given the correct information or slow processing times and then being threatened with fees or outrageous payments. Thank you for any help available.