davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-24
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. (WI)

In mid XXXX, I pulled my credit report from Equifax in light of all the recent breaches. On there I noticed 2 public records that do not belong to me. I disputed them and they came back to me on XX/XX/XXXX stating that they belong to me and it was verified through a 3rd party XXXX XXXX. I never gave XXXX XXXX authority to have my personal information neither did I give Equifax authority to give my information to someone else. I also researched the information they are reporting and find that the XXXX County Register does not report to the credit bureaus and furthermore does not have the information they are reporting in their records. 

Furthermore, starting XX/XX/XXXX, the three major credit reporting companies Equifax, XXXX and XXXX were impose with stricter rules on the public records they collect, requiring each citation to include the subjects name, address and either their Social Security number or date of birth.  which they do not! 

My name is a common name and with all their neglect and exposure of my credit file I am asking you to help me to get them to remove these two files from my report. 

Case # XXXX XXXX County Register of DeedsXX/XX/XXXX Case # XXXX XXXX County Register of Deeds XX/XX/XXXX These accounts are not listed on no XXXX or XXXX.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (GA)

In XXXX XXXX several accounts was opened in my name without my knowledge, 1. XXXX XXXX loan {$37000.00}, 2. Chase Auto loan {$8500.00}, XXXX. XXXX XXXX Credit card {$2500.00}, XXXX. XXXX XXXX {$2500.00}
Consumer complaint received 2024-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX. 
XXXX XXXX, XXXX {$750.00} Item was disputed for fraud. Item was removed and re-added with no notification. 

XXXX XXXX XXXX XXXX XXXX, XXXX {$660.00} Item was disputed for fraud. Item was removed and re-added with no notification XXXX XXXX/XXXX/XXXX - hard inquiry.. Was not given permission. 

XXXX XXXX XXXX/XXXX/XXXX -hard inquiry.. Was not given permission. 

Addresses : XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both need to be removed. Old information
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (PA)

I closed on my home XXXX/XXXX/XXXX. After sending in my XXXX Mortgage payment my Mortgage sold twice in same month. I never received any notification/Welcome Kit from new outfit. CMC serviced by SLS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I 've called them each week on Friday only to be told my Welcome Kit is being mailed. Still Nothing. I Finally found their Website on my own. The Website would not allow me to make a payment or sign-up for Auto pay. Against my better judgement I made a payment over the phone. The Rep proceeded to only post the Principal and not the Escrow. So I had to call back and pay the Escrow. That was on XXXX, as of today that is still not appearing on statement, where is my money? Today I received not XXXX, but XXXX Dilinquent Notices telling me I 'm in Default of my Loan! Are they for Real, are they Legit? They informed me a few weeks ago that they only got my info on XXXX and I had until XXXX to get all caught-up once they get me set-up, but Still no Welcome Kit. Please help get resolved. Are they trying to Scam me? I XXXX and read about a Scam regarding SLS that sounds just like this. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX PA. XXXX. XXXX # XXXX
Consumer complaint received 2017-03-03
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Accelerated Financial Solutions, LLC (FL)

I have been getting harassing phone calls and threats in my voicemail from this company, claiming to have a debt against me, for a company that I have never heard of and an account i have never had in my life. They have threatened to sue me, and come to my job and " deal with me '' and even come to my house to " handle the situation ''. These are verbal threats and voicemail 's that have been left by collectors harassing myself, my wife, and my family members.
Consumer complaint received 2015-08-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Synerprise Consulting Services, Inc. (TX)

I have never receive any mails or phone calls from this company to inform me I have medical bills, and they report me without telling me I have debt or even try to collect bills! and I even have never receive original bill from hospital!!!! how could you report a person without letting she know she get debt!!! 
and the bills are just less than {$100.00}!!!
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX, 2017, I optioned to use my credit card for a larger purchase which amounted to just over {$1300.00}, of which my " platinum '' credit limit of {$2000.00} allows. The credit bank for this card is Synchrony ; At this time, my credit scores collectively, at the 3 bureaus continued posting well over 650, 660, 668 ; It is understood that this fluctuates somewhat with using my available credit ; for this reason, within the month, I set aside the same amount of funds to pay this back into my credit card ; Synchrony recieved and posted my large payment back into my account by mid XXXX, 2017. They immediately on XXXX XXXX, 2017, dropped my limit by almost 70 % to {$600.00}, days after recieving my large payment, which they did this action in bad faith ; I have never used my credit incorrectly, or been late on my obligations. 
My credit reports had been compromised with illegal information and data In the early year review, and were being corrected, but my scores had not decreased to such degree as when I asked Synchrony why they have initiated such action ; the representative said he had no real answer, and they would send a letter, which, I recieved a week later, back dated to XXXX XXXX, 2017, referencing information accessed XXXX17 ; This illegal and compromising Synchrony credit card representation, used incorrect information they accessed from XXXX-17, against my account, then never updated the incorrect information, especially after the XXXX17 PAYMENT posting and fully compromised my credit reports by decreasing the limit, with ill intent, taking advantage of me and after they recieved my larger payments in good standing and in good faith, seriously inhibited and caused injury to my credit ratings by 100 points purposely, to the adverse. 
I have filed complaints with Synchrony, with no response. 
In Addition, I am requesting that such illegal Synchrony mis-management/ mis-handling of my information and credit card account and profile, and the Synchrony non-friendly credit actions be investigated for consumer abuse and for implicating adverse result and injury to its consumer and consumer reporting.
Consumer complaint received 2017-10-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (CA)

I signed a lease with BMW Financial Services for a new XXXX and elected to take delivery in XXXX at the factory under their XXXX Delivery Program on XXXX XXXX, XXXX. When I signed the lease forms on XXXX XXXX, XXXX I was asked to make the initial `` drive off '' payment ... however there was no car. We picked up the car in XXXX on XXXX XXXX as planned, drove the car for 10 days and it is now in transit back to the U.S. for delivery approx. XXXX XXXX, XXXX. Payments have been due on the XXXX of each month since XXXX XXXX. The payment on XXXX XXXX was credited by BMW, however, the payment due XXXX XXXX I am told I must sill pay even though I will likely not have the vehicle until the XXXX payment is due. If the car arrives and is re-delivered on XXXX XXXX I will have paid for 60 days of lease yet only have 10 days on driving. Normally, if I had taken delivery in the U.S. at the dealer, I would have taken delivery, made the `` drive off '' payment and actually driven off with the car. I would have gotten full value for the lease. When the XXXX delivery option was described to me, the worst case seemed to be that I would pay one month of lease for 10 days on driving and not have any other loss of use penalties. However, this is not the case and I would appreciate assistance in getting credit for at least one additional month of the lease. 

Also, BMW Financial Services was sloppy in how they have handled my billing statements by not crediting the one month that they did in time to not trigger additional fees and penalties. After a call from me it was corrected but it should never have happened that way.
Consumer complaint received 2017-02-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

XXXX XXXX XXXX XXXX is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several hundred e-mails and letters to the company including the company CEO explaining the debts are not owed. Capital One refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on. XXXX XXXX has issued trades lines on my credit bureau listing.
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (NH)

I apologize in advance for the tone of this email, but it 's frustrating to have had my mortgage sold to a company that is unresponsive and seemingly disinterested. 

Early in XXXX I switched my home insurance companies and began paying through payroll deduction. I informed the mortgage company ( XXXX XXXX, XXXX ) ahead of time of the switch, which they never processed. I received in the mail a warning that my insurance expired and Stearns was purchasing a more expensive plan for me. I called to resolved and remind them of the change, which seemed to resolve the issue. A few weeks later I saw a payment from escrow for the full annual payment for the new insurance policy. I emailed and called to attempt to resolve, with no luck via either route. I have since been paying a higher monthly mortgage payment due to the still included escrow amount for insurance, as well as paying for the insurance via payroll deduction. I have now been receiving refund checks from my insurer for over-payment and my attempts to contact Stearns are ignored - i.e. my emails are " acknowledged '' but never replied to and I have not received a call from the company. I refuse to call again after being " transferred '' back to the auto-prompt multiple times. My calls literally go back to square one. 

Below is part of the email chain ( redacted ) I have ( a one-sided " conversation '' ) where I explain the issue as I did over the phone and suggest what actions need to be taken to resolve the problem. This has worked as well as calling the company ( i.e. It does n't ). 
" I emailed you multiple times over the past month to update my insurance and escrow. It 's finally recorded with you, but the monthly payment on my escrow has not been updated yet and you paid my home insurance in full from my escrow when I told you in each of my emails that it is now paid through payroll deduction on my end. Please recall the $ XXXX you paid to XXXX XXXX on XXXX/XXXX/XXXX, adjust my monthly escrow payment to reflect the fact that I now pay home insurance through payroll deduction, and recalculate what is needed to be kept in escrow. Please call me to confirm what work has been performed on your end when this is resolved. '' ( redacted prior email ) " After multiple email tickets over the past few months with no success, I just spent an hour on hold, being transferred, and hung up on multiple times via the number provided here. If I can not get assistance via email or phone, I 'm not really sure what I need to do to get assistance. If you have any questions, and because calling or emailing you had been fruitless in numerous attempts, please call me if you have any questions or need to speak with me to address the above. ''
Consumer complaint received 2017-10-24
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: EQUIFAX, INC. (SC)

XX/XX/XXXX XXXX- Hard Inquiry done without my authorization XX/XX/XXXX XXXX XXXX Hard inquiry  done without my authorization XX/XX/XXXX XXXX XXXXXXXX Hard Inquiry done without my authorization XX/XX/XXXX XXXX XXXX Hard Inquiry done without my authorization XX/XX/XXXX XXXX XXXX Hard Inquiry done without my autorization
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Due to the recent breach my husband & I placed a freeze on our credit. No issues and easy to do. On XXXX XXXX, XXXX we decided we wanted to purchase a new car. The finance company we were applying with uses XXXX so that is the one we needed to place a lift with. XXXX has an option for temporary lifts. One is called a Selective lift and the other one is a Global. After reading the definition of each we chose the Selective lift, which allows only those creditors we give the access code to, to be able to view our credit file. Each lift is {$5.00} each time you place one. Now we give the motor finance company this access code only to be told they can not view our credit with that type of lift. We then have to go back into our TransUnion account on XXXX XXXX, XXXX and place the global lift. This too cost another {$5.00} each. They viewed our reports and all went well. On XXXX XXXX, XXXX I contacted TransUnion to see if they would credit back the {$5.00} for each myself and my husband for the Selective lift that does not work. After much frustration with the customer service representative I asked if I could please speak to a supervisor. He transferred me to his supervisor. However, that too was a waste of time. I explained the selective lift does not work. This is when I am told it only works with creditors who have the special software that can allow them to input the access code. I asked over and over again why is that information not included on the website where the definition of each type of lift is explained? I received no answer. I asked how would the consumer know about this when they are making the choice of which type of lift? I received no answer. I read her exactly what it says which is this " An access code is a code generated by the website when you create a selective lift. ANYONE with the provided access code can use that code to access your TransUnion CreditReport for the specified time period. '' I then told her since no where on the website does it mention anything about special software. I asked for the {$5.00} each credit to be told no.
Consumer complaint received 2024-10-03
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. (NY)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

Hello my name is XXXX XXXX i applied for a XXXX XXXX in XX/XX/year>. Never received my credit card so i called and closed my account in XXXX. They never sent me any letters in the mail or email me about a balance due immediately after me closing my account. They left my account open against my wishes and now they reported my card payment 30 days late and my XXXX XXXX dropped XXXX points.
Consumer complaint received 2024-10-03
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: Experian Information Solutions Inc. (GA)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
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 XXXX business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2024-10-03
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. (CA)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) states : 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 2024-10-03
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. (CA)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
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: Experian Information Solutions Inc. (PA)

When I investigated my credit report, I realized that some of the information were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX