davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc. (NC)

I don't know the company that is one the report. I never signed my original lease with this company and they showed up and took vehicle off of my property with no warning or letter. Also they placed a balance on my credit report but I have no idea who they are and with no notice never knew of anything that was happening with the vehicle. I have tried to dispute the information one the report as well as tried to see who the company was. I called the original lease holders and was unable to get anyone one the line. They involuntary repossessed the vehicle and due to the false information that was placed on credit report has made it hard to get another vehicle that is needed badly in home due to medical condition.
Consumer complaint received 2023-07-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc. (FL)

First Federal Credit Control contacted me asserting they were the rightful collector of a medical debt I was disputing. 

On XX/XX/2022 I mailed a letter to FFCU by way of Certified Mail, tracking XXXX. That letter was received by FFCU on XX/XX/2022. 

In my letter I requested a copy of the original debt agreement, a verification of debt and itemized statement. 

In a letter dated XX/XX/2022 I received a statement, I never received a verification of debt or a copy of debt agreement. I began to assume I was a potential fraud victim. 

I dispute this debt. I dispute FFCU has any claim to collect even if the debt were valid. FFCU has violated the statutory timeframe in which to respond.
Consumer complaint received 2023-10-27
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was charged by XXXX after I was sent an email saying my booking was not confirmed or processed. I was then later without my consent charged by XXXX They refused to offer any resolution. After months of trying I contacted my credit card company and after showing them documentation supporting my claim I was offered no resolution.
Consumer complaint received 2023-10-27
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: EQUIFAX, INC. (MI)

I noticed this problem on XXXX XXXX XXXX XXXX XXXX Account opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX  Account opened XX/XX/XXXX Balance {$1100.00} Hard Inquiries XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  inquiry XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$0.00}, anXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2013 Balance : {$0.00}.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (OH)

I had persistent problems with this card and them changing the charges and re-billing it. The Account was under a zero finance promotion until XXXX. On XXXX of XXXX I went online to check my XXXX XXXX account, ( Genisis Credit card company ). The account was blocked and showed a XXXX balance. I didn't receive anymore statements from them until XXXX of XXXX. They deliberately block my account to make it look like I missed a payment. after calling and asking why they we're refilling the finance charges and why they wanted me to pay a minus payment of XXXX I couldn't get an answer. The one person I spoke with along with My son being on the phone, was the same person that stopped my statements before. She threatened to report my account to the credit bureau because she didn't like what we we're saying to her. So I've been reported as being late on a payment that showed a XXXX balance in XXXX of XXXX Now they are requesting a XXXX minimum payment on a {$1900.00} interest fee ( which Im still under the interest free until XXXX ), with a {$41.00} late fee. This has cause several problems with my credit. My minimum payments were less than the {$190.00} a month I was paying. If I could pay more I would.
Consumer complaint received 2023-08-10
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: AMERICA FIRST FEDERAL CREDIT UNION (AZ)

I have an auto loan with America First. Back in XXXX of this year I contacted them regarding an insurance waiver due to the vehicle no longer in working order. They agreed to waive collateral for 6 months, through XX/XX/XXXX. I have a document signed by both of us. They then started sending me letters I believe in XXXX letting me know I needed full coverage. When I called them twice on this matter, I was informed it was only a system glitch and it was being fixed. 
I also was in the process of completing a salvage bid and in XXXX, that finally took place. I have emails from XXXX XXXX department advising once the vehicle is picked up by the salvage yard, I can cancel insurance. Which I did. On XX/XX/XXXX I signed a document from the bank that states my future payments are {$410.00} effective XX/XX/28. America First then added onto my balance {$160.00} more totaling {$580.00} a month from the " lack of insurance '' they erroneously were stating. Therefore, my {$410.00} payment for XXXX was recognized as insufficient and I was subsequently reported 30 days past due to the credit bureaus. This has dropped my score significantly and America First offers nothing other than an apology. This is against federal regulations to do what they're doing and can easily let to a lawsuit.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (TN)

I mailed in payment with post office, on XX/XX/year> with those people to sign when received. And signed on XX/XX/year>, they said they sent it back wrong zip code. On XX/XX/year> it was cashed. XXXX  said go to post office get them to track where it was cashed. And so I said I don't want my account closed. They said no not with this open. I sent another payment of XXXX through XXXX  on XX/XX/year> suppose to post today. I have all screen shots and why would you sign for something and cash it if it was not accurate!
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (GA)

I have no recollection of this account of {$300.00} dollars with what appears to be XXXX, whom I've not had an account with in a very long time, and I left on good terms. I've tried to dispute this XXXX times through Experian and it isn't being removed, despite my lack of knowledge of the collection. It is not on either my XXXX or XXXX, and it is becoming an issue for me to properly use my credit in everyday life, XXXX. getting a vehicle, getting an apartment, etc
Consumer complaint received 2024-08-13
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. (TX)

To my surprise, this morning, I discovered inaccurate accounts on my credit report, and I can't understand why. I check my credit report regularly, and I've never seen such discrepancies before. I tried refreshing the page, thinking it might be a technical error, but the inaccurate accounts were still there. Im asking for a thorough review of the documents I've sent to ensure this issue is resolved and I can stop stressing about it.
Consumer complaint received 2023-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (TN)

On XX/XX/2023 I received a an alert from my credit monitoring service that Amsher Collections Inc., reported a collections to all three credit bureaus. I had no knowledge of the alleged debt. I called the phone number listed on my credit report that was associated with Amsher Collections Inc., and spoke with XXXX of their representatives. I informed her that I had no knowledge of this alleged debt and that no correspondence was received. The representative stated that correspondence should have been sent, but can't state for certain. Amsher Collections Inc, is in violation of FDCPA 1006.34. I received no correspondence to allow me the 30 days to dispute this alleged debt. I'm requesting that Amsher Collections Inc., remove this negative reporting and provide documentation of ownership of this alleged debt.
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I am deeply troubled and upset to see that unauthorized inquiries have shown up on my credit report this evening. I checked it as I usually do, and out of nowhere, there are discrepancies. Refreshing my browser didnt fix anything, and the unauthorized inquiries remain. I need an immediate review of the documents I sent to ensure this issue is resolved and doesnt happen again.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AK)

I am not sure why this continues to happen, but it SHOULD NOT be. Dept of ED/XXXX has popped up on my credit reports as having a XXXX  loan of {$35000.00}. I attended XXXX XXXX  XXXX XXXX in Tennessee in XXXX. The loan was originally with XXXX. It has been paid in FULL. I have documentation showing that. Somehow, XXXX started reporting in XXXX  and after some back an forth and the documents from XXXX showing it was paid in full, they took it off my reports. Now, after almost 4 years, it is back with Dept of EDXXXX ... XXXX I am so tired of fighting this and people being allowed to just throw XXXX onto my report with NO proof, no contact with me, the reporting agencies just let anyone say " they owe me '', and they will report ANYTHING whether true or not and mess up people 's lives. I want this taken off for the LAST time! How is a PAID IN FULL XXXX  loan from 25 years ago being put back on my report time after time. People REALLY need to fact check. The report agencies SHOULD NOT be allowed to report something from this long ago, especially when PAID in FULL. I think because my information keeps getting pushed around, the agencies seem to think it is " new ''. Regardless, it needs to come off immediately!
Consumer complaint received 2023-08-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on XXXX separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D. XXXX XXXX XXXX, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Consumer complaint received 2023-07-13
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. (TX)

I don't have any idea about these accounts. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX XXXX  XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE!!! 

XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-10
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. (NY)

I submitted a complaint last XX/XX/ XXXX XXXX  and some got deleted there are still a lot of fraudulent items reporting. I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I asked Experian to assure maximum possible accuracy to multiple inaccurate accounts reporting on my credit file. Despite my efforts, Experian has failed to conduct a reasonable and fair investigation that these accounts are 100 % accurate. The lack of response has caused me significant harm to my financial reputation and XXXX XXXX. I greatly appreciate your attention to this matter and assistance you can provide resolving the inaccuracies in my credit report.