davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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)

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 2024-06-05
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-19
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-05
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)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (GA)

I am writing to formally dispute an account that has been reported under my name. I am a victim of identity theft, and the account in question was opened without my consent or knowledge. 
I have taken the necessary steps to address this situation, including filing a police report and a report with the Federal Trade Commission ( FTC ). I have also notified all three credit bureaus regarding this fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ) and 18 U.S. Code 1028A, I request that you investigate this matter and delete the fraudulent account from your records.

Please find attached copies of the police report and FTC report for your reference. I appreciate your prompt attention to this serious matter and look forward to your confirmation that the account has been removed.
Consumer complaint received 2024-06-05
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. (MD)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-08-29
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Great American Finance Co (TX)

The company in its response says that it opened a credit card, signed via Docusign ( and not an installment loan as was initially agreed to ). 

The document does not show how minimum payments are calculated nor do any statements. If its an installment loan it does not show the terms of the agreement. 

They also have not answered whether they will accept XXXX as administrator.
Consumer complaint received 2024-08-29
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)

I Dont recognize these accounts, another person use these accounts, please remove these accounts from my credit report XXXX  - Account XXXX XXXX XXXX XXXX - Account # XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

XXXX. I never late on this account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. I never late on this account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This collection does not belong to me XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This collection does not belong to me XXXX Account Number : XXXX Please remove it from my credit report. 


Thank You Sincerely yours, XXXX XXXX
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IN)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are the dates of withdraws that I didn't do. Before all of this, I had to get a new debt card because of couple of bad purchases I did not make.. When I received my new card these withdraws started showing up that I didn't do. I went to the bank to shut down my card again. I had the person print out my statement and all theses withdraws all for {$100.00} showed up. I know I did NOT withdraw these. Because I was at work on these dates. I explained to them that NO ONE had access to my card. I feel my card has been hacked or scanned somehow. They told me that there is no way this can happen. I know this CAN happen. I reported all this to Chase on Monday XXXX, XXXX. and requested a new debt card. And as of today I still haven't received my new card. They told me it would be 7 to 10 days. I can't pay any of my bills without my card. I hope you can PLEASE help me.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kimball, Tirey & St. John LLP (CA)

Kimball Trey St John is knowingly reporting inaccurate information after notifying them previously in XXXX of last year of this inaccurate reporting. They are damaging my credit score and causing my hardship due to me being denied for housing because of this error.
Consumer complaint received 2024-06-05
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)

I recently reviewed my credit report and noticed an account that was not reported accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates. XX/XX/XXXX and XX/XX/XXXX. Im now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-08-04
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. (MO)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

I had a Kia that was stolen and thats another issue, bottom line, Kia put a charge off on my account saying account closed and that the balance due was {$3500.00}. I paid Kia {$3500.00}. I waited XXXX  days for my credit report to reflect that information as the person on the phone who took the payment said it would be. It wasnt. I then opened a dispute with XXXX, the response from Kia was to change the balance due from what it has said for the past XXXX months to a year ( {$3500.00} ) to suddenly becoming $ XXXX. I have never had XXXX statement from these people and this entire issue stems from the car being recovered but Kia not informing me and then the car was auctioned off! 

I have taken a huge hit on my credit and everytime I try to pay the balance or fix they make it worse hitting my credit even more. How can you add on thousands of dollars to a balance due after the balance due for months was stated and paid in full?
Consumer complaint received 2024-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (FL)

On XX/XX/year>, I went to my bank, XXXX XXXX and attempted to withdraw funds from my checking account to pay my XXXX. I was unsuccessful using the atm so I went inside. I waited a long time and saw that the teller had an issue withdrawing my money. The teller gives me a paper that has XXXX, XXXX l, and XXXX 's name, phone number, and extension and explains that they're a XXXX XXXX in XXXX  that garnished my checking account due to a medical debt for a XXXX XXXX  for a XXXX. I've never lived in XXXX  so I asked how they were able to take money out of my account in error and without my authorization. I asked for proof of the XXXX XXXX from XXXX and the teller said they didn't have that info in the branch and to please call XXXX. I called XXXX and kept getting hung up on or on hold for more than an hour. I've sent an email as well. This is inaccurate. I don't owe any XXXX XXXX  in XXXX  or anywhere. The bank will not release my paycheck funds until XXXX removes the garnishment.
Consumer complaint received 2024-09-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

XX/XX/year> I called Synchrony Bank regarding my Lowe 's store card. After going a few rounds with the automated system, I was finally connected to a representative. My inquiry was in reference to the {$1.00} monthly fee charged for a paper statement and if that fee could be waived. I explained that we are older, retired and not as computer savvy as some and we prefer a paper statement. Also, the paper statement is helpful for us in tracking and budgeting our monthly bills. Additionally, we prefer to limit our exposure to fraud by not having auto payment access etc. For these reasons, I asked if the fee could be waived. The representative said the fee could not be waived but did offer a few dollars courtesy credit. So, to avoid the {$1.00} statement fee, we must use the autopay, online pay, or close the account ( which we are considering ). This becomes a greater issue with the Lowe 's Home Improvement account since every item for purchase at Lowe 's receives a 5 % discount when using the store card provided by Synchrony. Prices marked at this chain appear slightly higher than local competitors and that requires using only the store card from Synchrony to receive the discounted price.

In summary, if your older and prefer a paper statement, you pay the fee. Period. If you choose to cancel the store card or just use another form of payment, including cash, you pay a 5 % penalty when shopping at Lowe 's. The store discount as attached to this card and the account fees almost seem discriminatory.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

I owe no debt, no performance, or obligation to MIDLAND CREDIT MANAGEMENT Pursuant to Title 18 Section 8 of the United States Code.

MIDLAND CREDIT MANAGEMENT is currently violating my consumer protected right to complete privacy
by reporting my Consumer transactions, or Consumer activities without my written consent pursuant to Title 15 Section 1681 ( B ) ( 4 ) of the United States Code.

MIDLAND CREDIT MANAGEMENT failed to produce requested documents demand. certified notice numbered : XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see all highlight activity which is considered to be wrong activity. 
Please see attached all backup information : Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of closed accounts on my credit report that are reporting twice on my credit report. Credit Agencys such as credit XXXX and XXXX showing inaccurate information on my Equifax account. This information needs to be addressed and removed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that were removed and put back on my credit report and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC (AR)

I have repeatedly as for ( 1 ) Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor, and they won't provide it ( 2 ) I've repeatedly asked for the original creditor securitized debt info ( 3 ) I've repeatedly asked for the original creditor to the secured trust and then back to the original creditor but they won't provide it ( 4 ) I've repeatedly asked for a copy of the agreement that authorizes the creditor to assign or sell the debt to this collection agency and they won't provide it ( 5 ) This company consistently report on my credit report a " charge-off '' month after month, while the debt can only be charged off one time ( 6 ) ...... All they send is a computer copy from something out of their system... .. ( 7 ) I even asked for some form of payment proof from me, they won't provide it ( 8 ) I asked for a written signature and they won't provide it ( 8 ) The address listed on this debt - I've never lived there, the email address on this debt has never been my email, the telephone number on this debt has never been mine ... .///////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// This debt is Identity Theft, I've reported it to the FTC and I can't get Continental to give me the information I've requested ... .I 've told them this is not me but they continue to send to the CFPB some papers they produced out of their computer system.
Consumer complaint received 2024-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (ID)

It is XXXX XXXX XXXX on XX/XX/year> as I write this ; a XXXX  evening. This company has called me 11 times since last XXXX mostly when Im at work and can not be disturbed. Ive told them in the past that I plan to pay off my loan in full, but that theres another debt that I need to prioritize for another few weeks. They wont honor this, and the harassment has continued.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (VA)

under the Fair Credit Reporting Act ( FCRA ). According to Section 609 of the FCRA, I am entitled to request the information related to entries on my credit report. 

I am requesting the following information regarding the specified items : Please include copies of any contracts bearing my signature that verify my agreement with this debt collector. 

A bill of sale is not a purchase agreement. 

Purchase agreement with this debt collector
Consumer complaint received 2024-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have disputed with this Creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ,and XXXX, I requested bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has taken over 30 days to update my account and perform an investigation. The creditor has illegally re-aged my date late.active from XX/XX/XXXX to XX/XX/XXXX. Transunion is missing date, last active and is unverifiable. TransunionXXXX failed to update my account and do a proper investigation. The creditor last reported on my account XX/XX/XXXX even though I sent my dispute XX/XX/XXXX Today 's date XX/XX/XXXX I have not received an update of a Re-Investigation from the creditor.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

On XX/XX/year> at XXXX I called after numerous attempts at getting my security freeze lifted via transunion website and it kept telling me to call their number XXXX. Which I did about 6 times again the automated system disconnected me. In one instance, I chose to have the system call me back once a representative was available and the system called me back but, no one was on the line. Then I called back and waited an hour for a Representative. The Representative I spoke to was a lady named XXXX XXXX who I think messed up asking me some verification questions and was told they couldn't verify my identity after giving her my Full Name, SSN, Address, Email, DOB and Phone number. I then was told to call again in order to get another Representative and go through the process again. To which the new Representative asked the same questions and he was able to gain clearance to the lift of my security. This whole ordeal was ridiculous and no company should have such incompetence when dealing with people and their rights.