davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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. (VA)

I NEVER gave any consumer reporting agency the permission to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. I XXXX XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 

As a consumer ; ( 4 ) a statement by the consumer that the " is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 
Except as otherwise provided in this section, 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
Consumer complaint received 2018-02-03
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: EQUIFAX, INC. (OH)

I submitted complaints to have items that I did not authorize removed from my credit profile and I didn't get any response to my letters. This is against the law and I demand these negative items be removed because they are keeping me from obtaining new credit.
Consumer complaint received 2018-02-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC (NY)

My problem is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX Having placed an order onXX/XX/XXXX {$4200.00}, it was stated that there was a 3 business day cancellation policy. On theXX/XX/XXXX ( XXXX XXXX ) I mailed a letter of cancellation to the above address, as directed in their instructions, called XXXX XXXX   ( the salesman ) and the local office ( XXXX ). At the end of XX/XX/XXXXI received a call about installation. Again I called the local office asking why they were calling me. I was told that they would check into the problem. Well in XX/XX/XXXX I received a bill from Green Sky, a loan program. Called them ( XXXX  ) and was told that only XXXX XXXX  could cancel the loan. Again, I called the local office. Then I received another call from their installers. Again I called the local number and was told that I would have to speak to the salesman. I called XXXX XXXX early in XX/XX/XXXXand he apologized for the delay and said he would take care of it. That was earlyXX/XX/XXXX. Well here it isXX/XX/XXXX, and I just received another bill from Green Sky. Please advise how I should proceed, and warn off other consumers.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2018-02-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Law Offices of Kenosian & Miele, LLP (CA)

Was notified by mail about a debt that was sold to 3rd party collection agency claiming to be a law office. I was notified in XXXX 2017 by letter stating that they have made several attempts to reach out to me about the debt and that if they did not here back from me with in a certain amount of time they would be proceeding with legal actions. I have not received any calls, letters or anything about this. Never received any notifications that the supposed debt was being sold to a different company as well. When I called Kenosian and Milele, LLP they were very rude and unwilling to help me settle this. I asked for information about this debt and when they tried to notified me. I was told that they can not provide me with any information and that I had to settle this today or they would proceed with legal actions today. I asked for some type of settlement due to the large amount claimed being owed, they were still unwilling to help. I asked to make payments of {$50.00} a month and was told they can take anything less then {$120.00} a month. They use very harsh and threating words to try to collect the debt with out providing any information when requested Still unwilling to provide information about the debt I asked for something in writing about they payments be arranged and was told that their lawyers to do not provide anything like that in writing. So out of the fear of being sued I agreed to make payments that I could not afford. After making a payment, I was unable to make the next months payment. I called them before the payment date to notify them I was unable to make the payment. I was told that either I come up with the money today or that they will take me to court and garnish my wages to get the money and that either way they will get their money. I called the original creditor to see if I could get information about the debt they stated they no longer had the account and that it was sold to XXXX XXXX. I find this very suspicious because the letters I received mentions nothing about XXXX XXXX   owning the debt. All notification I have received come from Kenosian & Miele LLp Attorneys at Law stating that the original creditor is XXXX XXXX and that XXXX XXXX XXXX XXXX XXXX is there client. I done research on this Law office Kenosian and Miele, and they do unethical practices by illegally serving people wrong court date information and get a default judgement to garnish people wages or by illegally taking funds out of peoples account with out notification. I am afraid this is going to happen to me.
Consumer complaint received 2018-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I asked CitizensBank, through their email system, to close my account in XX/XX/XXXX ( XX/XX/XXXX ). They acknowledged my message and I thought that my account was closed. The account number is XXXX. 

I subsequently received a notice that my account was overdrawn, due apparently to items being presented against the account ( an ACH item from XXXX ) after I asked that it be closed. The amount OD was for the item and OD fees. I sent them a transfer to cover the overdrawn amount and bring the balance to XXXX. They said again that they would close my account if I did this. So I assumed again that the account was closed. 

I attempted again to get XXXX to cancel the ACH draft for an insurance policy ( I do not own the policy, it was for the daughter of someone I lived with for 22 years ). The agent that sold me the policy has long since moved on from the company. I do not have the policy number, since my ex has all that. 

A few weeks go by and I receive another notice my account is overdrawn {$9.00}. The amount OD represents only fees charged by Citizens for returning the XXXX ACH. I contacted the Bank again, spoke with them, received a voice mail message later that they had resolved the problem. I did not pay them the {$9.00}. They were going to reverse that. 

I received letter dtd XX/XX/XXXX that my account is now overdrawn {$19.00}. They simply refuse to close the account, continue these charges each month for returning an ACH item that I can not cancel, and which they do not pay. 

This is an incredibly abusive practice. I paid them the first time they failed to close the account, but having been assured by a supervisor that the account would be closed after that, I am not paying these people {$19.00} more.
Consumer complaint received 2018-02-03
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. (CA)

on XX/XX/17 I sent letters to XXXX, XXXX  and experian requesting that fraudulant information be removed and corrected on my credit report. None of these companies have responded to my demands.
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MO)

The date : XXXX the amount : XXXX XXXX  points The process : Since I own an American Express ascend XXXX credit card, I should get XXXX XXXX points if I refer this card to my friend successfully. Then I refer this card to my friend and he applied successfully. After he satisfied all the requirement to get the reward, he had all the points he should get. However, I DID NOT receive anything from American Express. Then I called the American Express customer service twice. The first time I called them, the customer service claimed they have already given me the points. But the reality is I did not receive anything from this promotion action. I also checked the XXXX customer service and XXXX confirmed that I did not receive the points from XXXX after I refer my friend. The second I called the American Express credit card service, they changed another representative and the representative said they will schedule a point payback to me on XXXX XXXX. However, after I waited until XXXX XXXX, nothing happened. American Express still owed me XXXX points for referring my friend.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Date opened XX/XX/XXXX XXXX {$2100.00} I contacted them about this reporting in XX/XX/XXXX, by XX/XX/XXXX this matter is still unresolved. Attached is the letter sent
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted Transunion and XXXX about the 2 reporting collections they both have on my consumer report. The debt has been cancelled with a 1099C for both reporting collections and I have disputed the collections but Transunion and XXXX fail to remove the collections even after I disputed them. They are in violation of my rights.
Consumer complaint received 2018-06-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (NC)

I took my car to a place to be repaired. I needed a transmission. I applied for credit to get the repairs done and when it was approved and the amount, it did not have the interest rate on the paper at the time. I had no idea what the interest fee would be until my car was repaired and ready to be picked up and then I noticed that it was at 130 %. The total price for repairs were XXXX in which my credit was only XXXX, and its financed for 24 months @ $ XXXX  monthly. I will be paid back over {$6000.00} by the end of the 24 months. My credit was not perfect but this amount is ridiculous, and they do not disclose the interest rate until after the car is completely repaired because they know SOME people need their transportation, and this allows repairs to be done in a way that seems easier for people with not so perfect credit.
Consumer complaint received 2018-02-03
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (MA)

I leased this car in 2011 and paid for it for a couple of months and was unable to pay it and so they repossessed it.Its been six years plus that they have it on my credit report.I have paid two companies to try and remove this from my credit report without any avail.This has frustrated me alot over the years I have tried to apply for things even housing I have been denied because of this.So am appealing to u to try and resolve this for me since I have only one year for to stay on my report..
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (UT)

I have a delinquent account to XXXX/Suntrust bank. It says ( delinquent 90 ) but it also says Account closed due to transfer Opened activity : XXXX Balance : XXXX Past due : XXXX There is also that same account in my closed accounts section from SunTrust bank that says on the account I opened with them on XXXX was settled and that the account paid in full for less than the full balance. 

That SunTrust delinquent account has been closed and dealt with so I don't understand why its still killing my credit by being in the wrong section
Consumer complaint received 2018-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

On XX/XX/2017, I sent a certified letters to Aargon Collection Agency, asking them for debt validation of the accounts as I never received any bills prior to the debt hitting my credit report, in the sum of {$490.00}. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. It's been more than thirty days and I haven't received any written validation of the debt.

Under the FDCPA Section 1692g, if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this sub chapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2018-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

During the first week of XX/XX/XXXX, my wife received a phone call from Transworld Systems Inc ( TSI ) stating they were collecting a debt of approximately {$17000.00} from me in connection to an XXXX XXXX XXXX  accident that occurred on XX/XX/XXXX. She explained that I am in the US XXXX and was XXXX overseas from XX/XX/XXXX through XX/XX/XXXX and did not rent a car from XXXX during that timeframe. On XX/XX/XXXX, I received a letter from Transworld System Inc which included paperwork from XXXX XXXX XXXX XXXX detailing the original renter 's information. The driver associated with this account is simply NOT ME! His last name is my first name and his middle name is my last name but that's where the similarities stop. His address listed on the paperwork they sent me is an address I've never lived at in a city I've never been to. A cursory credit report check shows I've never lived at that address. A DMV records search that my drivers license number is not the same as that of the person who rented this car. In fact, a 2-minute XXXX search gave me a pretty good idea of where the actual person they're looking for is. I explained this over the phone but I'm still receiving letters for a debt incurred by someone else. TSI is being irresponsible and unprofessional, even negligent, by finding someone with a similar name and focusing attention on the WRONG PERSON. I shouldn't have to prove that was overseas serving my country at the time they say i was wrecking a rental car. 
Phones calls made to TSI simply led to endless transfers and automated responses. I attempted to complain via their website in accordance with the directions outlined in the cover page of the letter they sent me ( attached ) but the website requires a registration code provided by TSI to log on. No such code was provided.

In short, TSI has incorrectly identified me as the person who owes XXXX XXXX XXXX {$17000.00} and now I am unable to contact them that settle dispute.
Consumer complaint received 2024-10-10
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 account # XXXX, has violated my rights. 

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.
Consumer complaint received 2018-06-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NE)

Reference previously filed complaints : XXXX XXXX Bank refuses to acknowledge the nature of the complaint : PNC can not account for location of IRA CD originally issued XX/XX/1985. Instead PNC references two other savings accounts which have nothing to do with this issue. THIS INVOLVES AN IRA CD ACCOUNT ONLY The original bank was XXXX XXXX XXXX XXXX XXXX. PNC took over the bank. PNC never followed through on the original contract. Per research with other banks it has been verified that the rules for retirement accounts are different than usual savings accounts. 
PNC uses the excuse they have no record of the account. I have the original contract in my possession. Since this is an IRA account PNC has additional rules to justify disbursement this type of account. 
Please note per the contract it automatically renews every three years if the institution does not hear from the depositor. 

My name at the time of the original contract : XXXX XXXX XXXX
Consumer complaint received 2018-02-03
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: EQUIFAX, INC. (OH)

I sent in paperwork to remove these negative items from my credit report on XX/XX/17 and still several months later haven't received any response about these fraudulent items being removed from my credit report.
Consumer complaint received 2024-10-10
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. (IL)

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card XXXX  on XX/XX/XXXX in the amount of XXXX under the account XXXX, XXXX XXXX XXXX  on XX/XX/XXXX in the amount of XXXX under the account XXXX, XXXX XXXX on XX/XX/XXXX in the amount of XXXX under the account XXXX, XXXX XXXX opened on XX/XX/XXXX in the amount of XXXX under the account XXXX and XXXX opened on XX/XX/XXXX in the amount of XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  ) opened on XX/XX/XXXX under account # XXXX in the amount of {$1100.00}, XXXX XXXX XXXX  opened on XX/XX/XXXX under the account XXXX in the amount of XXXX, XXXX XXXX opened on XX/XX/XXXX under the account # XXXX in the amount of {$910.00}, XXXX XXXX opened on XX/XX/XXXX under account # XXXX in the amount of XXXX and auto loan from XXXX opened on XX/XX/XXXX under account number XXXX in the amount of {$21000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2018-02-03
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. (ID)

I authorized XXXX 's XXXX XXXX in XXXX Idaho located at XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX to pull my credit report from XXXX XXXX XXXX XXXX, and that they would come to me prior to going to other lending sources. I made that very clear to the finance manager. What they did is go to 12 plus lenders without my consent. I have made it very clear on how I feel regarding this. What are my options?