davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-19
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. (NV)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:I did not authorize the said inquiries, please delete.XXXX XXXX XXXX,XXXX/XXXX XXXX XXXX,XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

A collection agency under the name XXXX XXXX  APPEARS ON my credit report and is trying to collect an amount of {$83.00} that I do not recall to had with them. Also I dont have any contract or agreement with this Company " XXXX XXXX '' and I DO NOT own them any thing... I never gave this company none of my personal Information as SSN, Names, Adress and Phone number and they are not autorize to use them. A FEW MONTHS AGO ANOTHER COMPANY UNDER THE NAME XXXX XXXX TRIED TO COLLECT THE SAME AMOUNT AND AFTER MY CLAIM AGAINST THEM THEY DELETED THIS ACCOUNT FROM ALL OF MY CREDIT REPORTS DUE TO THE FACT THEY COULDN'T PROVIDE ME WITH ANY SIGNED DOCUMENTATION AS CONTRACT OR AGREEMENT BETWEEN ME AND THEM. ( PREVIOUS CLIAM NUMBER XXXX ) XXXX, XXXX AND EQUIFAX ARE GOOD AWARE OF THIS ILLEGAL PRACTICE FROM THIS KIND OF COMPANIES AND THEY ARE STILL ALLOWING THIS KIND OF COMPANIES TO PUT ERRONEOUS INFORMATION ON MY CREDIT REPORT WITH OUT ANY VALID DOCUMENTATIONS I REQUEST THAT CREDIT TOLL BE REMOVE IMMEDIATELY FROM MY CREDIT REPORT, THAT THEY SEND ME ANY SIGNED DOCUMENTATION AS A CONTRACT OR AGREEMENT BETWEEN ME AND THEM AND THAT THEY SEND ME IMMEDIATELY THE RECIPE THAT SHOWS FOR HOW MUCH THE BOUGH THIS ACCOUNT FROM XXXX OR XXXX XXXX .... XXXX  XXXX IS USING XXXX HAVE ALL MY PERSONAL AND CONFIDENTIAL INFORMATION WITH OUT MY CONSENT IF IN 5 BUSINESS DAY THIS ACCOUNT IS STILL ON MY CREDIT REPORT I WILL FILE A LAWSUIT IN MY SMALL CLAIM COURT DISTRICT AGAINST XXXX XXXX  AND ALL THE REPORTING AGENCIES
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems , Inc. ( TSI ) is a third party debt collector. I confirm nor deny any debt owed to TSI or the XXXX XXXX XXXX XXXX Exchange Services ( XXXX  ). I believe I have a case of misrepresentation against TSI. XXXX  closed and charged off an account, any remaining balance, if any, was sent to TSI for collection. XXXX  no longer controls the alleged debt. If XXXX  were to be called on the collection they say they have no control over the alleged debt and that it must be handled by TSI, XXXX  is a federal organization, TSI is not. TSI, in my opinion, has misrepresented itself as debt collector, in the attached document we clearly see TSI using the Department of Defense seal, as well as the Exchange logo, the seals and logos should not be used by a third party. TSI, is not apart of either government agency, rather they are a third party. In attempting to settle this dispute payments were arranged after receiving these invoices. My understanding is that these payments were going to XXXX. As it clearly appears, it looks as though this is going to XXXX  as a invoice/bill from the Exchange. However these payments are going directly to TSI, not XXXX. TSI is representing and appearing to be XXXX  and DoD by use of the respective logo and seals. TSI also continues to charge interest and additionally takes a payment fee for every payment made even though it is the sole beneficiary of these payments. I believe TSI has clearly misled and misrepresented itself.
Consumer complaint received 2019-08-19
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: EQUIFAX, INC. (NV)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX,XXXX XXXX,XXXX,XXXX XXXX XXXX,XXXX and XXXX
Consumer complaint received 2022-01-19
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: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-19
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: EQUIFAX, INC. (CA)

Last XX/XX/XXXX, i found some wrong details on my credit report. I immedaitely wrote to the credit bureaus to correct and have these items removed or upodated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. 

I am writing to have the following items removed : XXXX : " XXXX XXXX XXXX '' XXXX : " XXXX XXXX XXXX '' Equifax XXXX XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( 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.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PA)

We cancelled our XXXX account XX/XX/2019 and mailed back the equipment through XXXX drop off, within a week, as directed by the customer service representative at XXXX. 
XXXX claims they never received it and XXXX claims there is no way to track it anymore. I called XXXX on multiple occasions regarding this matter and the agent assured me that the receiver would turn up in warehouse and that this type of thing happens alot ... and not to worry about our account. 

NOW, a collection company ERC is sending threatening letters to my XXXX old parents ' house, three years later over this receiver. THIS is unacceptable. 

I am livid I am still dealing with XXXX and their ridiculousness.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (GA)

Please see the attached letter and supporting documents. 

Thank you in advance for your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Account number : XXXX XX/XX/2022 To Whom It May Concern : I have been a loyal cardholder of Self Financial for over a year and couldnt be happier with my decision to join the Self Financial Family. Youve always offered some of the most competitive rates and financing and have always provided excellent customer service. 

Unfortunately, in a period of hardship, I took advantage of our relationship and failed to submit my monthly payment on time. It was an exceptionally hard and chaotic time in my life as I was balancing school commitments, and the COVID-19 Pandemic which led to me losing employment. I fully respect my obligations to Self Financial and have repaid every penny I owe and am now working diligently to amend my relationship with you and regain your trust. Please find attached copies of my Self Credit Card status showing Paid In Full in the amount of {$110.00}. 

Recently, I have begun the search for a home. It has come to my attention that the charge off with Self Financial ( from XX/XX/2022 ) may negatively affect my chances of obtaining competitive financing. 

I believe that the late payments and charged off account is not an accurate representation of my credit-worthiness. I am asking and hoping that due to my overall history with your organization and after this account was paid in full, that you would make a goodwill adjustment to your reporting of my accounts to the three credit bureaus, XXXX, XXXX and XXXX. 

In light of my renewed focus and demonstrated commitment to rebuilding trust with your company, I am requesting that you give me a second chance at a positive credit rating by deleting the charge off and late payments as reported on my three major credit bureau files ( XXXX, XXXX, & XXXX ). I sincerely hope Self Financial believes in their customers and I humbly request your consideration to allow me to pursue the house of my dreams. I appreciate your time and hope for a gesture of goodwill and to continue doing business with Self Financial. 


Best Regards, XXXX XXXX
Consumer complaint received 2019-08-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Consumers Inc (NC)

i received a call on XX/XX/2019 around XXXX, and missed the call. I returned the call and questioned the call. the representative asked for my phone number to pull my file, and said she was calling for united consumers inc, I paused and she pressed that she was calling for a "medical file" reason. I questioned if she was calling from my hospital, and she pressed me for my date of birth to verify my information. I did not feel comfortable with this but she asked for my information again. Before she was able to get my additional information she never indicated she was a debt collector, or collecting information to pursue an alleged debt. After verifying my date of birth. She continued the conversation revealing she was calling to collect a debt alleged to be against me. I find that the way she started the call was deceptive and she should of revealed that she was attempting to collect on the onset of the call. I told her that I would like verification of the debt, and she argued that it was already sent, also she asked if I would be paying the alleged debt and i indicated i did not want to answer, so she said she would place in the file that I refused to pay which is incorrect. she asked for my confirmation of my employer for what I believe was an attempt to infer that she would let my employer know i have an alleged debt against me.in the end of it all i am disturbed at the way this was handled, she misrepresented herself at the onset of the call, asked for information before indicating it would be used in an attempt to collect an alleged debt, and spoke to me in an abusive manner.
Consumer complaint received 2024-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC. (NY)

Dear Sir /Madam : I received a text message on or around XX/XX/year> from Ally Credit Card asking if I had authorized XXXX transactions to XXXX XXXX. : XXXX for {$900.00}, {$860.00} & {$900.00}. The text said to respond XXXX XXXX XXXX. ( ENCLOSED IS A COPY OF THE TEXT MESSAGE ] responded XXXX  and called them immediately after because they sent another text asking to call them. I advised them not to authorize those transactions. On my credit card statement it shows XXXX total transactions to XXXX XXXX that advised Ally none were authorized by me.
Consumer complaint received 2019-08-19
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. (NV)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX  and 	XXXX
Consumer complaint received 2019-08-18
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: Experian Information Solutions Inc. (VA)

All three credit bureaus list my XXXX account as ADVERSE.I have made on-time payments to XXXX  for 7 years.XXXX should be listed as a NON-ADVERSE account.
Consumer complaint received 2019-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I previously submitted a complaint here (XXXX) and, as a result of CFPB's help, FedLoan   approved a retroactive payment. The terminology used to refer to that payment is "PSLF override for XX/XX/19." I had to make that payment within one month of the override approval so during the month of XX/XX/2019 I made a total of two payments to FedLoan. One was my regular monthly loan payment and the second was the approved retroactive payment for XX/XX/19.     FedLoan failed to properly credit my second payment as the "PSLF override for XX/XX/19" and instead counted that second XX/XX/2019 payment as my XX/XX/2019 regular monthly loan payment. That incorrectly put my account in "paid ahead" status.     During the month of XX/XX/2019, after I received the incorrect billing statement stating I owe no payment for XX/XX/XXXX, I tried repeatedly to get FedLoan to correct the error. I wrote to them twice and called them twice. They did not fix the error nor did they respond to my communications. My billing statements for XX/XX/XXXX and XX/XX/2019 were also incorrect and showed that no payment was due as my account was in "paid ahead" status.     I made my regular monthly payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But because FedLoan has, once again, messed up their records, those payments will not count towards my PSLF total.      I need FedLoan to properly credit my extra XX/XX/2019 payment to the approved PSLF override for XX/XX/19. Then I need them to correct their records with respect to XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 so that the payments I made those months are properly credited towards my PSLF total. Finally, I need FedLoan to ensure that the "paid ahead" status is removed from my account and that my XX/XX/XXXX billing statement is correctly issued reflecting my required regular monthly payment.
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (AZ)

I noticed an increase to my Annual Percentage Rate to 29.99% for my American Express "Classic Blue Cash for Business Credit Card." I use this card for business expenses only. To my knowledge, I never received word that the rate would be increased by so much, and without a reason, based on my conversation by phone with a American Express representative. The "best she could do" was lower that rate to 19%, which is still significantly higher that previously. My recollection is an initial rate of approximately 14%. I've had the card for several years, and remain a customer in good standing with American Express (35 year Amex customer). Do I have any recourse to what seems to me to be price gouging? A phone conversation with American Express did little, except to tell me like it or leave it. If this kind of price gouging continues to be deemed acceptable to American Express, I have little choice but to pay this card off and take my business elsewhere.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for a credit card with Capital One in order to begin re-building my credit. I was denied and told I would be receiving a letter outlining the reasons as to why within 10 business days. This was a month ago and I have yet to receive anything from Capital One. The offer for credit was pre-approved through XXXX XXXX as "likely to approve". While I understand XXXX XXXX did not make any promises, Capital One has not properly disclosed to me the reason(s) for denial as they are required and as they stated they would.
Consumer complaint received 2019-08-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

These are the mortgage loan servicers who has serviced a set of fraudulent loans on my house : XXXX XXXX XXXX , XXXX, Ditech Financial LLC, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX, XXXX
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VT)

I received a letter today, dated XX/XX/XXXX from Synchrony Bank. They are informing me that because of the number of dishonored payments, they have decided to close my account. This is the second account Synchrony has decided to close for the same reason within 2 weeks, all because of us switching banks around the time payments were due. This specific card is, or was, our Amazon Store Card. My next payment is due on XX/XX/XXXX. It is due on the first of every month, with only the XX/XX/XXXX payment getting sent back to them. I have never experienced anything like this. This bank alone has screwed my credit. I had 0 missed payments before them, and now I have 2 closed accounts. I had 0 closed accounts from creditors, only from myself. I have called them with zero assistance. I would like this company and practice looked into. I don't think a company screwing the working class should be allowed to do this. We were in the middle of buying a house. How do you think that is working out now? I hope whoever gets this message in what is most likely a cozy tax-payer funded office actually does something proactive, because what they are being allowed to do is definitely not helping to protect consumers as your "About Us" says.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I called Transunion to report and dispute unauthorized inquiries on my credit report their agent Cant speak English well and told me nothing to do its gonna be there for 2 years I ask so they can just run my credit and I cant do anything about the held the call then told me I had to CALL EACH AND EVERY ONE of those running to get a deletion letter then after gathering all these letters I should send it to them.The only authorized inquiries are XXXX XXXXXXXX  XXXX  XXXXXXXXXXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing to formally dispute the inaccurate information being reported on my credit report from your bureau. Specifically, I am disputing the details regarding XXXX XXXX XXXX Account Services listed as a charge-off on my credit report. 

Inaccuracies and FCRA Violations : 1. Inconsistent Date of Last Activity : The date of last activity for this account is inconsistently reported across sections of the credit report. One section lists the last activity as XX/XX/year>, while another lists it as XX/XX/year>. This violates the FCRAs requirement for accuracy in credit reporting. 
2. Unreported or Incomplete Payment History : My report indicates No data available for payment history on this account, which is inaccurate. This account had prior payments before it was charged off, and those should be reflected in the payment history. Reporting incomplete information violates my rights under the FCRA to have accurate and complete information.

3. Discrepancies in High Balance : The high balance of the account is reported inconsistently. In some sections of the report, the high balance is shown as {$10000.00}, while in others, it is either not specified or appears incorrectly. This inconsistency again violates the FCRAs standards for accurate reporting.

4. Outdated Dispute Remark : There is a notation of Consumer Disputes Reinvestigation in Progress. If the reinvestigation is complete, this remark should be removed. Leaving it on the report unnecessarily could unfairly impact my credit standing.

Requested Action : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information on my credit report. Please conduct a thorough investigation of this matter. I request the following : The removal or correction of the date of last activity to ensure consistency across all sections.

An update to reflect the correct payment history prior to the charge-off.

The correction of the high balance amount to consistently show {$10000.00} or the accurate amount across all reports.

Removal of the outdated dispute remark if the reinvestigation is complete.

Please conduct this investigation and provide me with a written confirmation of your findings and any updates made to my credit report. Should this account not be verifiable or if these inaccuracies are not corrected, I request the removal of XXXX XXXX XXXX charge-off from my credit report as required by law. 

I have enclosed a copy of my credit report, highlighting the relevant information, along with any supporting documents for your reference. 

Thank you for your attention to this matter. I look forward to your prompt response within 30 days, as required by the FCRA.