davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

On XX/XX/XXXX I contacted Experian through their web site requesting the full account number on one of the reported accounts on my credit report. 

On XX/XX/XXXX I received an email directing me to call an XXXX number. 

On XX/XX/XXXX I contacted Member Services at XXXX as instructed by the letter. 

I spoke to XXXX. XXXX stated she could not provide me with the specific account number I had requested. 

I asked for a supervisor. She then asked me if I wanted to talk to someone else. I said no, I would like to talk to a supervisor. 

Claims the first supervisor declined the request. She said she would try to get a different supervisor. 

I asked for the supervisors name. XXXX did not give it to me. She said she talked to another supervisor. She stated that the second suoervisor also said they would not talk to me. Finally she gave me the names XXXX and XXXX. 

When I persisted she finally said I would have to talk to someone in the dispute department and ask for supervisors at dispute department. XXXX central time at XXXX. This is the same number I called to talk to XXXX.
Consumer complaint received 2024-06-14
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. (OH)

Please remove these unauthorized accounts from my credit report.. 


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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-21
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (LA)

I have a care credit card that I have been making payments on and not using for months. My interest rates each month each month takes half my payment, this month however my interest was XXXX dollars. When I called I was told that I missed a promotion. I have no idea what they are talking about but I know this can not be legal. Please help me, this will bring my account up to more than my original balance
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: SYNCHRONY FINANCIAL (FL)

I paid my bill on time, the last time was on XX/XX/XXXX. On XX/XX/XXXX, I filed a XXXX  XXXX bankruptcy to protect my home from foreclosure. I voluntarily dismissed my bankruptcy on XX/XX/XXXX. I forgot that XXXX was a holiday, so I tried to set my billpay to make my payment on the due date of XX/XX/XXXX. My credit union could not set it up because of the holiday, and the payment would have been made on XX/XX/XXXX. I went to make the payment online on XX/XX/XXXX and I could not because the account was closed. I called Care Credit/Synchrony Bank and was informed that my account was sold to a debt collector on XX/XX/XXXX despite me never making a late payment. This will damage my credit, especially since I was never late.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with ( XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


( XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-14
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. (TX)

XXXX XXXX XXXX  XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Consumer complaint received 2024-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MN)

On XX/XX/XXXX, I received an email alert that a collection account was added to my credit report. It is from LVNV funding collecting for XXXX XXXX in Texas. I live in Minnesota and have never been to Texas. This is the second utility account that has been opened fraudulently in my name. The first account was with XXXX XXXXXXXX XXXX back in XXXX with another collection agency. This account was cleared and removed from my credit report. The contact info LVNV/Resurgent has for me is not mine and is Texas contact information. Again, I live in Minnesota. It appears these accounts were opened around the same time, in XX/XX/XXXX. This is NOT my debt and is fraudulent. This account needs removed my credit report. My credit reports have been frozen since the first incident. FTC Identity Theft reports have been open for both of these accounts. They are attached to this complaint.
Consumer complaint received 2024-08-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Upstart Holdings, Inc. (CA)

XXXX XXXX is suing and attempting to collect on a debt they are not even associated with. They refuse to provide a Debt Validation Letter and keep telling me to pay them, or they will come after my VA benefits. Those benefits are protected. Its very simple : provide a Debt Validation Letter, and we can go from there. XXXX XXXX is neither the original creditor nor the creditor associated with my account. They are looking at a debt that is either paid off or settled
Consumer complaint received 2024-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (LA)

At the beginning of this year my credit score dropped abruptly, I realized that ABILITY RECOVERY SERVICES put a medical collection of {$1500.00} on my credit report that I was not aware of, after investigating I realized that this account is from more than 6 years ago ( it is dated XXXX  ). This account does not belong to me. Also I contacted the company to give me more information about this account because I really want to fix it since this is negatively affecting my life and my emotional health. The company representative was very rude and hostile and said that they had my information and that with my information they could collect that debt, however I have never seen the original bill although I did ask for it but they did not send it to me. I ask that this account be removed from my credit report please.
Consumer complaint received 2024-08-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (AL)

Westlake Portfolio Management XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX This collection is from XXXX to which I was paying on time until they added an extra payment to my agreed term. After phone calls and emails to which the issue was not resolved, I expressed to them that I was not going to pay until they got the issue fixed. They made no effort to do so, and so I stopped paying. I've already been over this with Westlake Portfolio. 

The 15 USC 1692c clearly states " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. '' Reporting to my consumer report, calling, and emailing are all forms of communication that need to be stopped immediately according to the law
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (CO)

In accordance with the fair credit reporting act ( XXXX  XXXX ) ( account # ) XXXX, has violated my rights 15 USC 6802 which states a company can not furnish an account without my written permission, they did not have my permission to report an account even after I settled the account and paid it off. 15 Usc 1681b, 18 USC 10282A being they sold my information to a credit without my permission.
Consumer complaint received 2024-08-10
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (CA)

Global holding llc was working on my debt relief for the last three years and they have charged me more then {$17000.00} for the last three years and they were able to settle with XXXX XXXX  but were not able to settle the debt with XXXX XXXX and now after three years they asked me that they cant settle with XXXX XXXX XXXX and I have to work with XXXX XXXX and they already charged me more then {$17000.00}. I want to get help in this issue. I talked with global holding and they dont want to help me settle with XXXX XXXX and they want me to settle or make arrangement with XXXX XXXX after three years.
Consumer complaint received 2024-08-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (OK)

The Alleged Debt Is A Violation Of My Privacy in regards to my health which is a HIPPA violation.The Date is XX/XX/XXXX The Account Name Is LOCKHART, MORRIS & MONTGO the account number is XXXX Status collection account. {$1400.00} past due as of XX/XX/XXXX This Is A Debt that I do not owe I demand that it be removed from off the record.
Consumer complaint received 2024-08-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Debt Recovery Solutions, LLC (TX)

I've called submitted and even showed them the reports that I am a victim of Identity theft. I've been dealing with these issues since 2019 and still to no resolve. They just jump from XXXX credit bureau to another with the same bill. They still refuse to recognize my situation, even though the credit bureau took it off. I have no idea of this account.
Consumer complaint received 2024-08-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ACIMA CREDIT, LLC (NC)

I financed a large chair at a local furniture store through ACIMA, which turned out to be XXXX XXXX i learned. at the store they told us our payments would be around XXXX dollars a month. 
it took them triple the time to deliver item they promised and then they delivered the wrong item. during the whole ordeal they, acima, started calling demanding payment even before item was delivered. i told them i wasn't paying until i got my item. it finally came although wrong and i contacted them to make payment which was now roughly XXXX a month, far more than promised. 
when they delivered the wrong item i called the store and got the run around for months. mean while i continued and still get calls and emails and even threatened to take me to court and a demand letter from a law firm. i have recorded several phone calls with them telling them to come get their wrong item and im not paying for a wrong item. they still call and contact me saying i owe them money when im trying to return the wrong item. i also have copies of demand email from an attorney. i called their bluff telling them to take me to court and i would have them charged for frivolous prosecution and fraud. they keep calling and will not come get the very large chair, it wont fit in my car and the store refuses saying its now belongs to acceptance now/acima because it was financed through them. 

i need help
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (MD)

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX for reporting an unauthorized collection account on my credit report. I hereby declare that I do not, and have never consented to any contract purportedly established between myself and XXXX XXXX XXXX XXXX XXXX as there exists no signed contract between us in accordance with UCC 2-201. 

UCC 2-201 states that a contract for the sale of goods for {$500.00} or more is not enforceable unless there is a signed writing by the party against whom enforcement is sought. As no such contract exists between myself and XXXX XXXX XXXX XXXX XXXX, I assert that I am not bound by any purported contractual obligations. 

Additionally, the reporting of this account constitutes aggravated identity theft under 18 USC 1028A. Knowingly transferring, possessing, or using someone's means of identification without lawful authority is a felony punishable by up to XXXX XXXX  of imprisonment, in addition to civil liability. 

I demand an immediate cessation of all collection activities, including reporting on my consumer credit report, related to this alleged obligation. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Any further attempts to collect or report on this alleged debt will be considered a violation of federal law and will result in appropriate legal action. 

Furthermore, I hold the credit reporting agency accountable for failing to investigate the accuracy of this account prior to allowing it to be falsely placed on my report. This failure to verify the legitimacy of the account violates the FCRA 's requirement for maximum possible accuracy in credit reporting.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (MN)

XX/XX/XXXX, 2024- I received a debt collection notice from Lockhart Morris and Montgomery for the reference # XXXX for the amount of {$860.00} for a creditor by the name of XXXX . 

XX/XX/XXXX, 2024- I contacted Lockhart Morris and Montgomery via email at their email that was provided on their sent statement, XXXX, disputing the debt and requested original agreement for the debt. 

XX/XX/XXXX, 2024- I received notice that Lockhart Morris Montgomery has appeared on my credit Bureau report. 

XX/XX/XXXX 2024- I contacted Lockhart Morris Montgomery via phone at XXXX. I informed the first representative of this issue, he stated that he would have a manager call me regarding this matter in 15 minutes. I never received a call back so after 30 minutes went by, I called Lockhart back. Another representative informed me that she will be escalating my matter and someone will email me back or call back.

Lockhart Morris and Montgomery failed to provide me requested documentation of my original purchase agreement for the creditor XXXX within 30 days of my dispute and has now affected my credit report with inaccurate information going against my consumer rights and has caused triumph for me.
Consumer complaint received 2024-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections (UT)

Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-09
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: HOVG, LLC (GA)

I'm writing to discuss my significant worry regarding the challenged records recorded on my credit report. I have as of late drawn these slip-ups out from the shadows and have at least a couple of times referenced a comprehensive assessment. Regardless, no matter what my consistent undertakings, I actually really can't get any objective or therapeutic action. 

These mixed up records are genuinely impacting my credit report and are basically demolishing my ability to have a normal presence. The antagonistic result of these slip-ups has caused colossal challenges for me, and I'm left with no choice aside from to search for your close by assist with rectifying what's going on. 

I empathetically request that you lead a comprehensive assessment concerning the specifying of all of these challenged records. It is essential that the crucial advances are taken to revive and change my credit report right away. With your help, I want to restore the accuracy and uprightness of my credit record, allowing me to recuperate control over my money related success. 

I genuinely request that you offer this matter your most outrageous thought and take a fast action. Your joint effort and moving in settling this issue quickly would be colossally important. 

Much gratitude to you early on for your appreciation and help.
Consumer complaint received 2024-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (SC)

I received mail correspondence from XXXX XXXX XXXX XXXX ( XXXX ) 4 years ago, regarding a medical debt for {$790.00}. I contacted the group and told this debt was in my adult daughters name, created on XX/XX/2019. I have no communication with my daughter, she would have been XXXX XXXX XXXX at that time this debt was created, nor was I present when her service was rendered. I told XXXX to disassociate me from that record. XXXX continued harassing me with this debt, at some point placed it on my credit report. I disputed the debt and had it removed off my credit report, I thought it was over. To my disbelief a different company emerged with this same debt, who I believe was Lockhart Morris and Montgomery, I advised them of the situation and told them not to make any attempt to place this invalid debt back on my credit report. Lockhart Morris knew the debt was invalid and fraudulently added the debt to my credit report anyway. I disputed the debt with XXXX and Lockhart Morris and Montgomery told XXXX the debt belonged to me, knowing the debt is not under my name or ss #, thats an act of fraud and identity theft. Lockhart Morris and Montgomery are distorting my personal identity and willfully trying to extort me for for payment. My credit rating has taken a huge hit, it will be years before I recover.
Consumer complaint received 2024-08-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AutoSmart  Acceptance Corporation (TX)

Account info Account name AUTOSMART ACCEPTANCE CRP Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Status Voluntarily surrendered. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$12000.00} Highest balance - Terms XXXX Months On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (TN)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2024-06-24
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. (IL)

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.