davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMS-Recovery Management Services, Inc. (MN)

RMS Recovery Management Systems h as repeatedly called our home number attempting to contact an individual whom we do not know. We have now told them multiple times that the individual the are seeking does not live at our house, nor do we know the individual, yet they keep calling our house and harassing us on at least a weekly basis. I am not certain of the debt they are trying to collect as we do n't have many loans as a family. I will not answer their calls any longer as I feel threatened by this company and need their calls to stop. What can I do to have them stop calling us.
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. (MA)

RE : DEFAMATION OF CHARACTER To Whom It May Concern ; This concerns the inaccuracy that is unfairly furnished on my consumer report by your organization which I came to know about on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been severely damaged to a great extent and as a result, my public confidence has been undermined which is essential to the continued functioning of the banking system pursuant to 15 USC 1681 ( a ) ( 1 ) According to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Therefore, I hereby put your company on notice and let you know that neither did I authorize you nor gave you consent to provide this report on my behalf. I also want you to know that your company has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. My means of securing the necessities of life has suffered as a result.

Pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.

Your organization neither exercised it's responsibilities with fairness and impartiality nor protected my right to privacy Nothing in the law mandates that information on a consumer or anything be reported to a consumer reporting agency. You are therefore liable I request that you provide me information on the system your organization used to establish whether the transaction occurred or not in relation to the report your organization furnished.

Your organization did not adopt such procedures that meet the need of commerce for consumer credit pursuant to 15 USC 1681 ( a ) ( b ). I hereby demand that you remove the following from my consumer report ; 1. Deletion of all XXXX XXXX XXXX closed credit card accounts opened on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, 2. Deletion of XXXX XXXX XXXX XXXX XXXX  XXXX account opened on XX/XX/XXXX 3. Deletion of XXXX XXXX XXXX XXXX XXXX XXXX  account opened on XX/XX/XXXX 4.Deletion of XXXX XXXX XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX 5. Deletion of XXXX XXXX hard inquiry on XXXX XXXX 6. Deletion of XXXX XXXX XXXX XXXX hard inquiry on XX/XX/XXXX, XX/XX/XXXX 7. Deletion of XXXX hard inquiry on XX/XX/XXXX 8. Deletion of Dept Of Education accounts opened on XX/XX/XXXX, XX/XX/XXXX FAILURE TO ACCEPT MY REQUESTS WILL ESCALATE THIS MATTER TO FEDERAL COURT Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-22
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)

This is my multiple 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (FL)

Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.
Consumer complaint received 2022-12-08
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: SYNCHRONY FINANCIAL (NY)

Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXXXXXX On XXXX XXXXXXXX they reported I applied for credit. I did not? 
This is the second time they have sent a notice with in 2 months. 
Something is seriously going on? 
My social security number is compromised? 
Please help me find out where these requests are coming from. 
Please have them taken care of Ref : XXXX XXXX This was for car care? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MD)

I signed up for a Sears credit card when I found a Patio set I wanted to purchase and had begun to check out. At check out, information was provided that stated if I signed up for CC I would obtain 30 % and I could order using the brand new CC. I singed up for the CC ; went back to the shopping cart but was unable to fulfill the order b/c no cc number was provided. I called the Searscustomer service line ; i was told I needed to go to a store. I decided to wait for the card. The card arrived ten days later. I went to the website to order the patio set, the 30 % was not offered again ; upon further review, I realized no terms or conditions were provided with the card. All that was provided was a XXXX dollar off coupon ; the paper that the card was attached to ( no information related to APR ) and a citi document that is titled : FACTS : What does Citibank do with your personal information.
The claim that Sears made was misleading and CitiBank 's failure to provide the terms and conditions is concerning
particularly since the 30 % also have 0 % APR for 12 months ( it may have been a one or the other type of deal, I ca n't exactly recall ). Either way, I did not receive the 0 % APR.
Consumer complaint received 2023-11-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (NM)

I was offered a settlement by Westlake portfolio management for an existing debt. I was offered this settlement on XX/XX/2023. I made the payment as requested and was promised by the representative that I would receive a confirmation of settlement letter in my email and my credit report would be updated within XXXX  days to settled for less than full balance. I never received a letter and my credit report only updated the payment I made not the balance. I called back and spoke with XXXX again who said he didnt know why I didnt get the letter, but he would ask for it to be sent again to my email and that the credit report would be updated shortly. I never got the letter. The credit report was not updated. I believe the representative used the settlement offer to get me to make a payment so he could get credit for the payment and never intended to settle my debt. My credit report is still showing the full balance of the debt and no settlement, that is complete misrepresentation of what my balance is supposed to be and what I had to pay to clear my balance. My attempts to get this resolved with the company have been completely ignored. They tell you they dont have supervisors that they can give you to and I just have to wait for emails that never come. My credit has been damaged by this company after I was promised a settlement to clear my balance. This is a misrepresentation of balance owed not to mention outright dishonesty to collect funds.
Consumer complaint received 2017-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MA)

I am the victim of fraud and the charges stem from   XX/XX/XXXX   through   XX/XX/XXXX  . I was in the hospital XXXX  and now in   XXXX   XXXX  . The fees were reversed then reinstated which has overdrawn my account. I am on a fixed income and I am unable to get any resolution.     I am also unable to close the account due to the fact  M & T Bank overdrew the account. They are charging monthly maintenance fees which is f urther overdrawing my account. Please see below I have called and sat on hold for over  30 m inutes on  3 sep arate occasions.   I am a  XXXX   year old  woman with   XXXX   XXXX   XXXX   with my most recent stay in the hospital for a over a month   XX/XX/XXXX   through   XX/XX/XXXX  . I can not handle the stress. I have moved from the hospital to   XXXX   XXXX  . I faxed and mailed the dispute forms necessary to reopen my fraud case. My card # was stolen and used without my authorization. I have never done business with any of those merchants. You have removed my provisional credit and have overdrawn my account. I want all fees reversed.     My next step is to file a complaint with the CFPB and the bank President if this is not resolved immediately.     Sincerely,   XXXX   XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I recently did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer report agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer report agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of reinvestigation ; and ( ii ) promptly notify the furnish sure of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
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: TD BANK US HOLDING COMPANY (NY)

I have no knowledge of these inquires, listed as - XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Tdbank ( target ) - XXXX ( XXXX XXXX ) - XXXX XXXX
Consumer complaint received 2023-11-22
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: Cascade CISS Holdings, LLC (NY)

I have no knowledge of these inquires, listed as - XXXX XXXXXXXX XXXX XXXX XXXX - credit plus - XXXX XXXX ( target ) - XXXX ( XXXX XXXX ) - xactus llc
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (FL)

Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dovenmuehle Mortgage, Inc. (NY)

I hope you are doing well as I write this. I'm writing to formally ask that my account records be cleared of any late payments. I am aware of how crucial it is to keep a clean credit record, and I would want to resolve the recent late payments that have been made on my account. I respectfully ask for your consideration and understanding in order to have the late payments removed from my account history. I promise to keep up a punctual payment schedule going forward and make sure that similar delays don't happen again. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a XXXX XXXX XXXXXXXX customer service representative. 
I am aware of the company 's standards about late payments, and I truly value your consideration and time in this regard. Please let me know if any paperwork or information is needed to support this request, and I will send it over right away. I am grateful for your thoughtfulness.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL (KY)

On    XX/XX/XXXX    I visited a  XXXX  at   XXXX   XXXX   XXXX   XXXX     XXXX  KY.     A credit application was submitted without my written consent. I pursued the doctor NOT to submit the application given that it could be a hard inquiry and will impact my  credit score.  The doctor convinced that it is not hard inquiry and submitted the application. Now my  credit score  dropped by  XXXX  points yesterday. I do n't even need this credit application. Would you be able to help revert this credit check?       XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX
Consumer complaint received 2023-10-09
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: EQUIFAX, INC. (FL)

Ive been repeatedly dealing with the same issue for several months now and the reason why I am constantly contacting Consumer Reporting Agencies from the start, is to inform them multiple times that these incorrect and inaccurate accounts shouldn't be added nor placed on my credit report : XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX 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: EQUIFAX, INC. (MA)

RE : DEFAMATION OF CHARACTER To Whom It May Concern ; This concerns the inaccuracy that is unfairly furnished on my consumer report by your organization which I came to know about on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been severely damaged to a great extent and as a result, my public confidence has been undermined which is essential to the continued functioning of the banking system pursuant to 15 USC 1681 ( a ) ( 1 ) According to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Therefore, I hereby put your company on notice and let you know that neither did I authorize you nor gave you consent to provide this report on my behalf. I also want you to know that your company has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. My means of securing the necessities of life has suffered as a result.

Pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.

Your organization neither exercised it's responsibilities with fairness and impartiality nor protected my right to privacy Nothing in the law mandates that information on a consumer or anything be reported to a consumer reporting agency. You are therefore liable I request that you provide me information on the system your organization used to establish whether the transaction occurred or not in relation to the report your organization furnished.

Your organization did not adopt such procedures that meet the need of commerce for consumer credit pursuant to 15 USC 1681 ( a ) ( b ). I hereby demand that you remove the following from my consumer report ; 1. Deletion of all XXXX XXXX XXXX closed credit card accounts opened on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, 2. Deletion of XXXX XXXX XXXX XXXX XXXX  XXXX  account opened on XX/XX/XXXX 3. Deletion of XXXX XXXX XXXX XXXX XXXX XXXX  account opened on XX/XX/XXXX 4.Deletion of XXXX XXXX XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX 5. Deletion of XXXX XXXX hard inquiry on XXXX XXXX 6. Deletion of XXXX XXXX XXXX XXXX hard inquiry on XX/XX/XXXX, XX/XX/XXXX 7. Deletion of XXXX hard inquiry on XX/XX/XXXX 8. Deletion of Dept Of Education accounts opened on XX/XX/XXXX, XX/XX/XXXX FAILURE TO ACCEPT MY REQUESTS WILL ESCALATE THIS MATTER TO FEDERAL COURT Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-10-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Omni Financial Corp. (NC)

Account Name SETOYOTA FIN DBA OF WOFC Account Number XXXX Date Opened XX/XX/XXXX Status Updated XX/XX/XXXX Balance {$8400.00} Collections is not from original creditor. I do not owe SETOYOTA FIN DBA OF WOFC - ( account # XXXX ). 

Under the laws of the State of North Carolina UCC ( The Uniform Commercial Code Section operates under Chapter 25, Article 9 of the North Carolina General Statutes to provide a method of giving notice of a security interest in personal property to interested third parties. The method adopted is a " notice '' filing system ) and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I was not given prior warning before the vehicle was repossessed after I told them I was going through financial hardship. I never had a contract with the company that came in the middle of the night and took the car. 

This company needs to provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CO)

When I filed for a divorce from my now XXXX XXXX XXXX XXXX XXXX XXXX all of my bank accounts began to be drained. He told me I was to stop the divorce or Id be sorry. I was paying Experian {$24.00} a month to keep me somewhat safe? Nope. He took every XXXX  I had, and my business had in the bank. He even told on himself. Sending me a random text in XXXX XXXX XXXX I have the texts still. I was so confused. Where was all my money going. Welp, he told me exactly where it was going. He was stealing checks, forging my signature, and cashing them. He told me before I even figured it out.! I called Experian. I had the insurance so I was assured everything would be fine. They were so sorry such a thing could happen. Well, it did, over and over and over again!!!! Experian sent me paperwork, I filled it all out. Never heard one peep out of them. Now here I am, 5 years later, 6 separate accounts, 3 separate banks. All hacked, all drained. He took the last of my money in XXXX XXXX XXXXXXXX I filed a police report like always, I filled out the stupid affidavits. He stole over {$500000.00} from me in just that short of time. Nobody cares. My credit is in the toilet, I am now homeless because he took my name off the loan to our home back in XXXX. I had no idea. The lender wouldnt even speak with me. XX/XX/XXXX, I lost my home. Then XX/XX/XXXX I lost my business I had for 24 years. Just like he said I would. He took every single XXXX I had. Never paid any of the court ordered maintenance, and I was paying Experian for what exactly??? Nothing seemed odd when XXXX XXXX XXXX XXXX XXXX  was flying out of my accounts every single month? When I never. Ever did that.!! What was I paying for? I am XXXX, XXXX, and it would have been nice to be notified something was not right!!! I want Justice