davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (FL)

XXXX  XXXX XXXX  is reporting a debt on my credit report that XXXX ) is no longer owed to them, XXXX ) is now owned by LVNV/Resurgent XXXX and XXXX ) has a XXXX balance because I paid LVNV via their XXXXparty, XXXX XXXX XXXX ( as XXXX refused to offer me a settlement amount and transferred me to FRS for settlement ). Due to XXXX XXXX simultaneously reporting the referenced account and debt and not deleting it altogether, has resulted in adverse action with the mortgage lender that I am working with, and has stopped the lending process, which can prevent me from getting the home. The erroneous reporting will also result in the lender having to run my credit again, outside of the mortgage inquiry period ( if this is not resolved ). Ultimately, adding more inquiries and lowering my credit score. 
The amount being reported by XXXX XXXX XXXX  is {$810.00}.
Consumer complaint received 2023-09-26
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-10-25
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. (MS)

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 XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2022-09-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

On XX/XX/22 and XX/XX/22 I reached out to the credit bureaus in regards to inaccurate and unverifiable accounts being reported on my credit report. I was never notified of these accounts prior to them being placed on my credit reports. The last I was told anything about these accounts were at the medical facility and they stated they were submitting the claims to my insurance and that I wouldn't have anything to worry about. So to later find that these accounts have been placed on my credit reports without ever receiving a notice, letter, or anything is very disturbing to me. 

As of today XX/XX/22, several months after my initial request I am still awaiting the information on how these accounts were verified and why they were placed on my credit reports without being informed of the accounts prior to placement. According to Section 611 ( a ), it states that failure to investigate these accounts within 30 days gives the reason to immediately delete the accounts from my credit reports. I truly don't agree with them being on my credit reports but I would definitely like to receive the information that was verified prior to them placing these accounts on my credit reports. 

I demand that these accounts be deleted immediately.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I have tried with FTC and CFPB to delete an address that is not mine from my credit report. The only address that should exist in my report is my ID. 

XXXX XXXX XXXX XXXX XXXX fl XXXX Please delete any other addresses, just leave the one named above.
Consumer complaint received 2024-07-06
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-05
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc. (TN)

I contacted Credit Corp Solutions Inc XXXX Tasman Credit Corp and they said I was responsible for an account that I have know knowledge of I explain to them my identification was stolen and the account dont belong to me they said I have to pay them any way because they have my information. I kept explaining to them it wasnt me who opened this account loan account. 

They want send me any information about the account. Im going off word of mouth. After they sent me a fraud affidavit form I wanted them to resolve the issue by deleting the account off my credit report but they denied my request. 

Because they trying to hold me responsible for the collection account.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

I may NOT DISCLOSE MY Personal Information to A third-party I Never did any business with this Company or I have not given you written permission to put anything on my credit profile 15 USC 1681b2 . You have no permissible purpose by law to contact third parties with my private or personal information. 

Please provide me with a purchase agreement of the debt being sold to your company other wise DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Charged my debit card while I was traveling over XXXX miles away. 
My Bank ( Wells Fargo ) investigated and informed me it was a valid charge processed by XXXX under name " XXXX XXXX '' on XX/XX/XXXX I spoke with XXXX at XXXX ( registered agent for Co. ) who told me XXXX XXXX " doesn't exist '' before hanging up quickly. 
Seems I am out {$1700.00} for an unknown product. 
XXXX XXXX is listed as principle of several business ' at XXXX XXXX 's address. XXXX XXXX XXXX XXXX XXXX, Fl.
Consumer complaint received 2024-05-27
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.

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 2019-07-01
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. (MA)

To XXXX, Equifax, and XXXX. 

Ive submitted several disputes upon a series of companies whove purchased one particular charge off from a former creditor XXXX. Ive disputed the original creditor 's report as having an incorrect remaining balance of {$500.00} due to the fact that the XXXX themselves reported that my last payment received was dated on XX/XX/17 yet late fee charges were continuously assessed into the that remaining balance reported beyond the maximum 180 day delinquency charge off date by an additional 2 months. Some of the CRAs ( XXXX ) while others have not since updated that original XXXX credit report to reflect the error by removing the remaining balance completely as well as the payment history associated with it. A second party had purchased that errored bad debt from XXXX but managed to also make an additional mistake of not carrying over the original balance of {$500.00} and instead reported a remaining balance of {$500.00}!! Ive asked all the CRAs to investigate and upon that request was given the response the report falls under the fair credit reporting act. The debt buyer ( XXXX XXXX ) has no contact information in which I can coordinate any type of resolution. To make matters worse the debt buyers report was purchased by a third party XXXX XXXX XXXX of whom are purportedly reporting the same inaccurate information of {$500.00} for the remaining balance. {$500.00} does not equal {$500.00}, the fact that this third party is re-reporting the inaccurate information of the first debt buyer yet each of the CRAs capitulate that their investigation has been concluded with the same responding resulting review of still falls under the FCRA I want each CRA to show their results of how their investigation was conducted because last I heard reporting inaccurate information still goes against the FCRA. So, even though the incorrect balance of {$500.00} from the original creditor was disputed and then finally removed from my report its not reflected in the subsequent charge-off amounts and in additional the subsequent charge off amounts from debt buyer to debt buyer is also in accurate being {$500.00} does not equal {$500.00} I can only logically conclude that each of the CRA have in fact not thoroughly investigated my claim at all!!!
Consumer complaint received 2021-11-06
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: Experian Information Solutions Inc. (CA)

I have reached out to XXXX, Experian, and XXXX four times now regarding false accounts, account numbers, public records, and false information reporting to my credit report. Over the course of a year they have slowly removed some. But they haven't fixed everything. I've called them, mailed them affidavits. I get generic responses. I have provided them several pages worth of supporting proof.They are supposed to remove the information within 4 days. It's been almost a year! I am fed up with their lack of protection of my consumer rights.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

After obtaining my consumer report, I noticed some inaccurate information reporting on my XXXX XXXX account ( # XXXX ) by Experian. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to fair and accurate credit reporting. However, Experian is reporting two consecutive 30-day delinquencies for the months of XX/XX/year> and XX/XX/year> on my account, which is incorrect. If Experian can not provide proof of the alleged late payments, this account must be updated to " Paid as Agreed, Never Late '' ( XXXX ). I request prompt action to correct this discrepancy.
Consumer complaint received 2024-07-17
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. (TX)

This is to follow up regarding the ongoing issues I have been experiencing in my attempts to remove fraudulent items from my account. These fraudulent items are causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first discovered the fraudulent items on my account and promptly contacted your customer service department. I explained the situation and submitted the necessary documentation, including provide a brief description of the documents submitted. I was assured that the issue would be resolved. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review, and I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. Please help me remove these fraud items in my credit file immediately : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge 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: U.S. BANCORP (MI)

U.S. Bank appears to have finished disputing the incorrect charges, something I've informed them of in writing numerous times prior to them completing it, and the subject of complaint XXXX. A complaint they haven't responded to. I have since sent them detailed itemized lists of the charges that need to be disputed, including all order numbers and purchase details, and pointing out where they gave me money while searching for appropriate delivered items to claim I disputed. I offered to do this during the initial phone call but was told it wasn't allowed ( recorded ). I find it hilarious and ironic that in an effort to accuse me of fraud, they gave me credits for items that arrived. They seemed to stop trying when I sent them all the relevant order confirmations and tracking showing they were disputing the incorrect charges and those that needed disputes. You can tell they decided what they were going to try and cheat me out of beforehand, because that's the balance they reported to the credit bureaus on XX/XX/XXXX when my balance was - {$7000.00}. Then they reported {$0.00} on XX/XX/XXXX when my balance was - {$1600.00}. They appear to have spent XXXX making adjustments to get my balance slightly above XXXX $ come XXXX when they reported my account closed a month prior. The balance as reported to the credit unions on XX/XX/XXXX does not match the balance I screenshotted on XX/XX/XXXX. It is also too high given the retailer credits I received afterwards. It has since been adjusted after numerous complaints to various organizations, but is still to high. They appear to be ignoring the dispute communications. I will be submitting disputes to all three credit bureaus by weeks end if they do not respond. I retain all communications to and from them to include recorded phone calls.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was scammed out of {$1000.00} on XX/XX/year>. I received a job offer for a virtual position at a company called XXXX XXXX. I looked into the company, checked their website, and their XXXX connections to confirm it was legitimate. They sent me detailed information about the company and an offer via email. 

Since it was a remote position, they explained they would send me a check to cover the cost of office equipment and supplies. They instructed me to forward the money to a specific vendor to select the products I wanted. They asked me to send {$1000.00} first to ensure the transfer went through and to send a screenshot of the deposit. In hindsight, I realize this was to prove that I willingly sent them the money. 

Unfortunately, I didn't realize the scam was to get my own {$1000.00}. I thought because their check got deposited and funds were available, it was their money. My bank limits the amount I can transfer, so I had only sent the {$1000.00} so far. They then asked me to send the rest, and I explained I could not, but that I would do it the next morning. When I was still unable to send the rest, they suggested wiring it and going to XXXX XXXX or XXXX. Their persistence raised my suspicions, and I decided to call my bank to inquire if this was a scam. 

The banker had not heard of anything like that but agreed it was strange. I asked if we needed to put a hold on the account or stop the payment, but she said no and that they would do an investigation and get back to me. They never did, and by Sunday, XX/XX/XXXX, they had taken my {$1000.00}, putting my account in the negative by over {$200.00}. 

Since it was a XXXX transfer, the bank said they couldn't do much but investigate and request the funds back. In the meantime, my husband added {$1000.00} to the account to put it back in the positive. The next day, the check that they sent me caused my account to be overdrawn by more than {$1500.00}. I had asked several times if I needed to put a stop payment or if a hold would be placed on my account, and I was told no. I was informed that the check would be reversed by the end of the day when the batch cleared, but that has not happened.
Consumer complaint received 2019-07-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Peoples Commerce Inc (PA)

Used care was purchased in XX/XX/XXXX. In XX/XX/XXXX The car began to leak inside. It was immediately taken back to the dealership. The car was checked an the problem which was believed to cause leaking in the car was replaced. However, the car continued to leak. The car was taken back to the dealership approximately 4 to 5 times regarding the same problem. The car was taken back to the dealership again and was repaired. In XX/XX/XXXX, the car began to make loud noises, I contacted the dealership regarding the issues, but was told that I had to pay for any issues going forward so I had the break lines repaired and roaders which cost {$400.00} by a different mechanic. The problem continued up to XX/XX/XXXX when the car was taken to another mechanic who indicated that the breaks were damaged. The car was fixed again which cost approximately {$500.00}, however the car began to make the same noise, vibrate and other mechanical issues which caused me not to be able to drivXXXX. The dealership was contacted in XX/XX/XXXX to have it taken back due to problems and I was no longer able to afford to pay ongoing repairs as well as the maintenance and monthly payments.it became very costly to maintain.
Consumer complaint received 2021-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I DISPUTED SEVERAL TIMES WITH COMPANY AND CREDIT BUREAU THIS ADDRESS I NEVER LIVED XXXX XXXX XXXX XXXX XXXX XXXX MO ALSO A ACCOUNT THAT'S NOT MINE TRANSWORLD SYS INCXXXX {$310.00}. 

INSTEAD THE COMPANY IS PRESSURING ME TO PAY SOMETHING THAT I ILLEGALLY OBTAIN USING MY CREDIT I A INDENITY THEFT AFFIDAVIT AND OTHER SUPPORTING DOCS PLEASE REMOVE THESE ITEMS
Consumer complaint received 2024-07-17
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

I contacted Synchrony home 2 months prior to have the 25 % intrest rate reduced. my balance continues to increase and on an online chat I was advised it could be up to 39 percent. I checked my statement and saw it was 29 percent. im never able to get the same answer either through calling, chat, and my balance never seems to decrease.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX