davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (LA)

I have a company by the name of CREDENCE RESOURCE MANAGEMENT on my credit report attempting to collect a debt that I am unaware of. I did research on this company on the NLMS consumer access website and this company does not have a license to collect any debt from Louisiana consumers and that is illegal According to Louisiana State Law Title 9 - Civil Code-Ancillaries9:3534.1. Collection agent ; registration ; assignment of debt to collector. ( B ) B. Any collection agency or debt collector doing business in this state shall register with the secretary of state. The secretary of state shall promulgate rules and regulations necessary to provide for the registration required by this Section. Debt Collection Liscensing Act states this company is violating section 1850 ( b ) and Section 1850 ( a ). I am attaching a copy of the report of this company not having a license in the state of Louisiana. They have also violated FDCPA section 807. FDCPA section 809 allows me to request validation of this alleged debt. I am requesting a original contract bearing my signature, a Audit Trail of this alleged debt. I am also requesting this company to submit a License to collect in the state of Louisiana. I have attached all supporting documents and will be making a report with the FTC, XXXX, and attorney general XXXX XXXX. I have attached Louisiana state law. requirements by Attorney General XXXX XXXX and this company not having a legal license to collect on the XXXX website. They are engaged in fraudulent erroneous practices. I have attached ftc report number # XXXX, complaint with Louisiana Attorney general and will be filing with the XXXX.
Consumer complaint received 2019-06-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: U.S. BANCORP (ID)

XXXX  XXXX XXXX  forced us to make a non-refundable down payment before giving us any details about who the loan was through, what the % rate was, or what the total cost of the loan was. They refused to accept {$1000.00} down so we put done {$3500.00}. Our credit card was charged {$3500.00} that day. While they kept our credit card and drivers licenses they made us sign a statement of understanding stating that we would use their financing and carry the loan for at least 9 payments or they would charge us {$2000.00}. 
XXXX XXXX XXXX ( uncertain if that name is correct ) at XXXX XXXX bombarded us with a bunch of paperwork. He made it clear we were on camera and being recorded. He said it would take 15 minutes but we were there more than an hour and a half. Finally he showed us the contract. He refused to listen to our request to use XXXX XXXX XXXX. He did tell us the % rate at that time. He did not tell us how much our finance charge would be if we followed the payment schedule. He did not say there was an additional {$75.00} prepay charge from XXXX  XXXX. They gave us no choice who to finance through and and we felt forced to sign all they had even if we did not agree with it. We felt this because of the non-refundable {$3500.00} and the confusion of what the {$2000.00} was. 
They said they would use our credit rating but did not check our credit. 
XXXX We went to XXXX XXXX XXXX. They told us XXXX and was notorious for using scare tactics and they didn't think they could force us to pay the {$2000.00}. They didn't understand the {$2000.00} either. They offered us a much better deal and we paid off the XXXX XXXX loan. 
XXXX XXXX XXXX  We got a letter from XXXX XXXX at XXXX demanding {$2000.00}. They said XXXX  XXXX  was going to charge them. No terms were displayed. XXXX ext XXXX. 
XXXX We called XXXX  XXXX and spoke to XXXX. XXXX told us they do not charge back Dealers and he didn't understand the {$2000.00}. XXXX said the Non-refundable {$3500.00} part of the transaction was very questionable and we should report. 
XXXX we got a second letter from Ms. XXXX. The letter said if we refused to pay by XX/XX/XXXX we would be reported to the Credit Collector. At first XXXX said we should be able to choose our own financing. Then she called back and said we had no choice. We told XXXX we were going to complain. XXXX e-mailed us a copy of the charge back statement showing XXXX  XXXX sent to them. 
XXXX XXXX received a check for {$2000.00}. 
XXXX We called at XXXX  XXXX  to contact XXXX. Attempts have been made on our side and there's however, we have not been ever to make further contact with XXXX   XXXX. I think the lady 's name is XXXX with XXXX XXXX in XXXX WI. XXXX
Consumer complaint received 2024-05-20
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. (GA)

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : 1. XXXX Account Number : XXXX ACCOUNT BALANCE : $ XXXX  MONTHLY PAYMENT : {$2500.00} TERM : XXXX After your investigation is complete, please send me the results via mail. Thank you in advance.
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (NC)

SYNCB/BELK I PURCHASED A {$1000.00} DIAMOND RING XX/XX/XXXX. QUALIFIED FOR 0 % INTEREST FOR 1 YEAR TO BECOME A PREMIER CUSTOMER!!!! 
LOW AND BEHOLD MY CREDIT SCORE DROPPED 40 POINTS!!!! 
I IMMEDIATELY GOT MY CREDIT REPORT AND SYNCB/BELK HAD NOT ONLY DID NOT CREDIT MY ACCOUNT {$610.00}!!!! WTH!!!! PLUS, THEY OWE ME CREDIT FOR THE INTEREST ON THE DIAMOND RING PURCHASE IN THE AMOUNT OF {$120.00}!!!! I DID PURCHASE A {$54.00} COAT THAT DIDNT QUALIFY. THATS FINE. BUT WHERE DID MY MONEY GO? SOMEONES BACK POCKET??? 
HOW COULD THEY MAKE SUCH A HUGE MISTAKE???? 
IM SO UPSET!!! WHAT IS GOING ON WITH SYNCB???? AND BELK????
Consumer complaint received 2019-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (PA)

yes this creditor closed this account due to one or two return checks. Which isn't right. then set up payment option but fell behind. I had deaths in family and want to reset up payment option. Try to contact with no avail. Yet they been friendly and helpful at times.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CO)

I am XXXX XXXX XXXX with XXXX XXXX XXXX. I am renting and own no property. I live from a small IRA, Social Security and a large contribution monthly from my oldest son. 
My XXXX son, XXXX XXXX XXXX borrowed from a private lender while attending XXXX XXXX XXXX  school. I ended up cosigning XXXX student loans while he was a student almost XXXX years ago. 
He has been unable to pay off his loans due to the overall size of his debt. The company now handling the loans is XXXX. He is currently on a repayment plan with XXXX for loan XXXX  XXXX XXXX XXXX XXXX. 
My wife died in XX/XX/2023 of complications of XXXX. We had all of our credit cards in her name because she had excellent credit scores. We have never had consumer debt, always paid our obligations on time and we have never use any credit except mortgages when we owned our home. 
I am now left with being unable to obtain any credit cards in my name because the XXXX  loans reported by XXXX are in arrears. I have no debts except a car loan which I pay monthly and always on time. 
I would simply ask that XXXX remove me from the credit report since I have no assets and they will not have anything to collect when I die. It serves no purpose to continue to have me on this loan as a co-signer since I have no assets and limited income. 
It remains a source of family stress in my/our relations and there is no hope that XXXX  will received any proceeds when I die. I have life insurance and a small IRA both of which are not available to lenders.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-05-20
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)

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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NH)

I am writing to formally dispute an incorrect address listed on my credit report. Despite my previous request to update this information more than 30 days ago, the incorrect address remains on my report. 

The incorrect address is : XXXX XXXX XXXX, XXXX, NH, XXXX The correct address should be : XXXX XXXX XXXX XXXX . XXXX, XXXX, NH, XXXX On [ date of initial request ], I submitted a request to update this information, along with supporting documentation. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and correct any inaccuracies within 30 days. As of today, more than 30 days have passed without the requested correction. 

For your reference, I am including the following documentation : 1. A copy of the supporting documentation provided with my initial request ( e.g., utility bill, lease agreement, driver 's license ). 
2. A copy of my most recent credit report showing the incorrect address. 

I request immediate action to correct the address on my credit report. Please confirm in writing that the address has been updated correctly and provide me with an updated copy of my credit report reflecting this change. 

I appreciate your prompt attention to this matter and expect a resolution within the next 15 days. If this issue is not resolved promptly, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Sincerely,
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2024, I sent certified mail ( us postal tracking # XXXX ) to XXXX XXXX requesting them to remove the inaccurate information on my consumer report and to send me my 1099C form per Federal Law 15 U.S. S-Code S 1681-s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Reporting information with actual knowledge of errors. Once I received the verification that XXXX XXXX receive the information I waited for their response and I never received an outcome, so I sent three different letters to XXXX, Experian and XXXX so that they could start their investigation to remove but XXXX XXXX did reply to them stating that this information has been verified and it was not removed the instead XXXX XXXX changed the account amount on my consumer report from {$0.00} to over {$11000.00}. By law they have to remove this account or face penalties. I would like this to be removed immediately from my consumer report.
Consumer complaint received 2024-05-20
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. (MD)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-05-20
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. (NY)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-20
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. (NV)

On the XXXX of XX/XX/2021 someone entered the XXXX XXXX Dealership and used identification that was used for me but wasnt me and purchased a vehicle in my name this is part of an ongoing identity theft issue
Consumer complaint received 2024-05-20
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. (MN)

I am writing this letter in reference to my previous dispute submitted to your agency on XX/XX/year> that remains open and it's more than a month already. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries.
Consumer complaint received 2024-05-20
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized inquiries on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-05-20
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 I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Address - 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 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AES/PHEAA (CA)

There are two concerns here. 

The first is due to all the selling and changing of accounts XXXX XXXX XXXX Changing of websites and things ending up in FedLoan back in XXXX. The way i had my loan all set up for leaving town for an extended amount of time. 


I was unaware of the change at the time and i was in an extended forbearance. You can see my credit report supports this. I was without phone service most of the time and i surprisingly found out i was over two months late on a loan i was under the impression was in a forbearance. As you can see in the photos due to me registering to get electronic statements and applying for another forbearance ( which fedloan was very helpful with ) they said they could backdate my forbearance from XXXX to XX/XX/XXXX and would remove the late pays on my credit report. almost 6 years later i come to find out the 60 day late is still there and i was misled and i feel they should be deleted even if as a goodwill gesture. 
As you can see ive done what i can to keep this loan in good standing and I would hope that what i was told can be honored and the 60 day late pay can be removed from all 3 CRA. 


The other ISSUE is a bit tricky and complicated but at the heart of it beginning XXXX i started getting into the IBR program i had issues getting all the paperwork accepted and each time it would take and extra 30 to 60 days, Part of IBR is to get 3 years no interest tacked on. 
Ive had issues re certifying because of the time it takes and see it isnt as simple as XXXX consecutive years with no interest. However since XXXX i have had 36 qualifying payments and i think they should be honored. The average monthly interest is {$50.00}. 
even if you calculate that from month one of FedLoan taking over this loan XX/XX/XXXX that is roughly {$3600.00}. The balance started at {$14000.00} and is now today {$17000.00} a difference of {$3700.00} so ive been charged OVER the full amount of interest. with 3 years 36 months of qualifying ibr payments i feel the promised 3 years no interest should be honored which would be equal to {$1800.00}.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.