davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (TX)

On  XXXX /2017  , I mailed a regular mail request to validate, it was not responded to by central financial /Syndicated office.  XXXX / XXXX / 2017 , I mailed a certified request to validate debt, give accounting of fees of the debt and other item s ( 2nd letter ). 3rd le tter, I mailed certified request to delete to the collection agency also, based on FDCPA and TX finance code and the letter on  XXXX /2017   not being responded to ( sent  XX/XX/  2017  ), this was the second certified letter. The request was not responded to as of today. Per the law they do not have to, however they do have to cease/stop all collection activities including, reporting to my file with all CRA 's. Note : I mailed a certified copy of the letter sent to the collection agency to the  XXXX  CRA 'S certified, so they could see what I mailed on the day that I mailed. Today is  XXXX /2017  , they have not responded to either letter. The second certified letter gave  them 10 days to respond. They refuse to communicate with me, and as of today have ignored all of my legal communications. My attorney will be contacting them in 2 days also, however, they need to follow the LAW.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with The Fair Credit Reportung Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602A states I have the right to privacy 15 U.S.C. Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

13 U.S.C. 1681c ( 5 ) Section states : no consumer reporting agency ma y make any consumer report containing any of the following items of information, other than records of crimes which antedates the report by more than seven ( 7 ) 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 the information is accurate.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I opened a new checking account on fifth third banks website and I still have not received the {$350.00} promotional bonus advertised for opening a new account. The promotional code XXXX was successfully applied when I opened this account and I have had {$500.00} direct deposited into my account from my job. I have met all requirements for this bonus and yet I am being told by customer service the code was not applied. I did everything required to receive this bonus, please correct this asap. Thank you.
Consumer complaint received 2023-11-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (NY)

Right after pre approval I received electronic communication from One main requesting bank and personal information I entered this information then I received multiple calls from loan companies representing themselves as One main offering me different loan products. After receiving these calls I called One main and was advised that I qualify for XXXX as an unsecured loan and would need to use my vehicle to qualify for the XXXX secured personal loan. I referred the gentleman to the ad where I choose the unsecured product. After giving the matter some thought I decided to accept the XXXX unsecured loan. I called the XXXX branch today spoke to a representative as well as the main number spoke to XXXX both advised me that i was not approved for either loan. I called the inquiry dispute department and was advised to send them a request to remove the inquiry letter which I did. I would like to lodge a complaint against One main for false and misleading advertisement and the damage done to my credit report. as well a security breach.
Consumer complaint received 2024-03-15
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)

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer of Credit Bureaus, I expect transparency, reliability, and prompt action in addressing such matters. 

The persistence of these fraudulent items reflects poorly on Credit Bureaus commitment to combating fraudulent activities and protecting its customers. It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist. 

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( XXXX, TransUnion, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer 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 U.S. Bankruptcy Court the record indicates that you got your information from the courts. The courts dont release information you got your information from a third-party as results the bankruptcy needs to be removed from the credit report Friend accurate information you have 30 days to remove all these accounts at that time I will file lawsuits against all credit bureaus for having an accurate information As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XXXX XXXX XXXX XXXX XXXX  As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (MO)

In accordance with the fair credit reporting act, XXXX  acct no : XXXX has violated my rights.

15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

i purchased a home in XXXX and that was my last hard inquiry i authorized. after that there has been XXXX different hard pulls to my credit report. From an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I called transunion and tried to get it resolved but they said it was nothing they could do, so thats why i am contacting the CFPB
Consumer complaint received 2023-11-24
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (MI)

XXXX had scheduled a payoff amount they took that with interest added plus a regular payment as well not to mention what they charged when getting the loan was outrageous. Called was h u ng up on transfered 5 times.Customer service a joke and just argued with me.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive made several attempts to correct incorrect address on credit report but cant get this rectified Under 15 U.S. Code 1679c Name is spelled incorrectly several times on personal information Several addresses not associated with myself
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX money has charged my debt off and failed to provide the information I asked for. I didnt receive how much my debt was sold for. They sold my debt to multiple collectors violating my rights under the FCRA according to 15 USC Showing on my credit multiple times for the same debt. They sold my debt to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. All 3 of these companies are reporting on my credit at the same time causing defamation of character.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX continues to furnish a account that is not mine and I have had this deleted from XXXX and XXXX due to the fraud. If sent any numerous of letters showing stating the fraud.
Consumer complaint received 2023-11-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (GA)

Year was XXXX, it was cold around winter. I had just lost my mom that summer, I was in XXXX FL. My girlfriend mom heard the tow man early morning around XXXX XXXX XXXX. Picking my car up illegal. Yes I was only late on my car payments almost 2 months but I let them know. They illegal took my car, the tow man said they had been looking for my car for a while. Which I don't know how, I kept up with GMAC and I was not that far behind to be repoed. So I called the next morning, GMAC told me yes that they illegally reposed the car, and I could get my car back if I had at least half a payment. I didn't they kept it, they sold it right under me, and they let me know they did. Never said anything about paying then. I moved to TX around XXXX XXXX I got a call about that car, it was a XXXX XXXX XXXX XXXX. Man said, I still owe I explained to him like it was explained to me. Like I'm explaining to these people who aren't GMAC they some scammers or bill collectors I don't owe on they illegally reposed my car they sold up under me. I was told they sold it for the amount I had left to pay on the car & {$4000.00}. Somebody paid it off for me. This is now almost 20 yrs these people are talking about I owe * {$4000.00} but can settle for like XXXX or something, they keep calling me from different numbers and states, talking about getting a lawyer on the case, and I guess prosecuting me. Putting this on my credit, wouldn't this already have been on my credit, if I owed GMAC. I have been on XXXX XXXX XXXX for over 20 plus yrs. All my bill collectors, have a clear understanding to this. When I purchased this vehicle which was in my name only I only had this one income coming in, my single home. 

Deposited a new message : " And unable to come to resolution call or handle this today on our secure mobile friendly website at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That's XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account will be forwarded to a local law firm for review. If no resolution is made, looks like there was a prior promise to pay but no resolution made. Stop this possible further action and or credit reporting if applicable, make sure it's handled today again by phone agent or website. We're giving you all options. '' Click here : to listen to full voice message. 

They call me from many numbers, different states that's a visual voice message.
Consumer complaint received 2024-03-15
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my 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
Consumer complaint received 2023-11-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Global Lending Services LLC (NV)

I XXXX XXXX XXXX  several letters to the kia motors corporation especially when I recieved the 3 recall notices due to the air bag chip malfunction this is why all 3 accidents the air bags dud not deploy and I could have XXXX  been killed also the 2 recall notices due to the key fob locking devices nit locking the car properly and they the kia motors corporation XXXX the nerve to reject my letters I sent to them concerning the accidents and the XXXX bags not deploying when they sent me a letter about the air bag chips not working properly and these XXXX XXXX XXXX which u had a totally unsafe car XXXX XXXX XXXXXXXX which I Also have been harassed by the lean holder XXXX XXXX XXXX which they have the unsafe car now and I don't know if they are re investigating this with the XXXX XXXX XXXX or not. I have been stressed out over 8 months since that accident with this unsafe car XX/XX/XXXX which was not my fault plus XXXX XXXX XXXX the lean holder of this piece if trash vuchle have the same XXXX recall notices with the total loss dept again I not only want that XXXX XXXX dollar bill eliminated which XXXX XXXX XXXX  are trying to make me pay or else my credit will be all screwed again is this the way to treat a XXXX XXXX XXXX XXXX veteran. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran on a fixed income I want justice. I want you people to be on my side and assist me in suing kia motors corporation over the un safe car that was sold to me XXXX by XXXX XXXX if XXXX XXXX CA And I also want loss wages because I was working fie the XXXX local XXXX stage hands XXXX XXXX XXXX which I had to take myself off the roster as a electrican tech concerts and convention contracts on the XXXX XXXX XXXX because I lived too far to make the calls and I lost over XXXX in working contracts. I also want the kia motors corporation sued for pain and suffering and I know that there are millions of people suing kia and hyundai motors fir these screwed up cars that sre nit only un safe but easy to steal especially the one I had. My new address us XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX nv XXXX my cell no is XXXX my email address is XXXX thank you for your assistance
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I have an active credit card account with Home Depot that Citibank manages that both myself and my wife had individual cards to use ( with separate card numbers ). We have kept a {$0.00} balance in the account since XX/XX/XXXX and on Sunday XX/XX/XXXX i received an automatic text message of fraudulent activity reporting an attempted purchase of {$610.00} on one of the cards. That same night, I logged into my HD account online just to find that there were 19 separate transactions made from XX/XX/XXXX to XX/XX/XXXX with a total of {$5200.00} charged to my account, 9 on one card and 10 on the other ( It appears they were all gift cards ). The next day, Monday XX/XX/XXXX, I called HD-Citibank fraud department to notify and make the report of fraudulent activity and was told that both cards were now cancelled, the dispute of the transactions was going to take a few weeks and that they were going to send me the new cards. I got the new cards in about a week, and when i followed up a couple of weeks later, i was told it was still on investigation. 
In about the third week after the report, I noticed that my account reflected a new balance, {$2200.00}, and that I was refunded for 10 transactions corresponding with one of the cards. After noticing that, i immediately called to ask about the remaining balance, and i was told that whoever made the report initially, reported only those 10 transactions ( not the other 9 ) and then closed both cards. I was reassured that they did a new report and i should get resolution in another 2-3 weeks. From that point on, i have called about 10 times, one hour call each time, every week or so to check the status and its always the same answer : " I see the charges, I dont see a fradulent activity report, i will send it to get it fixed, its done, you should see the charges gone in a few weeks ... '' and nothing has been resolved. I also sent 3 certified letters on XX/XX/XXXX to the different departments and nothing. I did received a letter with date XX/XX/XXXX confirming they received the fraud claim and then another on XX/XX/XXXX date, ( after i send the certified letters ) to inform me that they completed the investigation and that the disputed charges were removed, which is not true. 
It is now XX/XX/XXXX, and my balance is now {$2300.00} with late fees now included, I am getting late payment notices and its now showing up on my credit report as late payment since obviously i have not made any. 
I would like to get this resolved immediately, nobody authorized on the account made any purchases, those are fraudulent transactions and Home Depot - Citibank are not fixing this delicate situation. 
I appreciate your time and support. 

Thank you Concerned Consumer
Consumer complaint received 2023-11-24
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital one and I had an arrangement way back around XXXX that I would pay XXXX a month until the debt was paid. Over some time phone numbers I no longer have have been still connected to the account. One of which was XXXX which was a sim that was in a device that was stolen in XXXX. I reported it to the police. Since as early as XX/XX/XXXX I finally got XXXX to remove that number but capital one still has it on my account including two devices I don't own. XXXX XXXX XXXX and XXXX XXXXXXXX. And still the XXXX number appears. I have told them this is fraud. Accordingly, they charged off my account in XX/XX/XXXX and said the paymrnys I had been making were not being applied. They did not put any fraud alert on the account and still are not being receptive. I have a police report now XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Hello. I did not give consent to the credit bureaus ( XXXX, XXXX and Experian ) to add my bankruptcy to my credit report. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  states that they do not report to the credit bureaus. Can you please verify how this information was added? Thank you.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Hello. I did not give consent to the credit bureaus ( Equifax, XXXX and XXXX ) to add my XXXX  to my credit report. The XXXX XXXX XXXX XXXX XXXX XXXX states that they do not report to the credit bureaus. Can you please verify how this information was added? Thank you.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent letters to each credit bureau ( XXXX, XXXX and TransUnion ) on XX/XX/2023 regarding some inaccurate information reporting on my credit report. They are all reporting different information on the same accounts. None of the bureaus have responded and it is well passed the 45 day response period.
Consumer complaint received 2023-05-09
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. (CA)

File two complaints with Experian XX/XX/2023 XX/XX/2023 Delivered Certified mail return recite, Experian failed to start or Investagate disputes