davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (LA)

I have a loan with Loanme that I pay {$740.00} that was paid on XX/XX/year>. Then, on XX/XX/year> immediately after that transaction Loanme drafted another transaction from my account in the amount of {$940.00}, which I did not owe and on my bank account it clearly states this payment is for XXXX XXXX, of which I do not know and I am not responsible for. I have tried to contact Loanme since Monday XX/XX/year>. I finally sent an email on Tuesday, of which no one responded. I then tried calling again on Wednesday XX/XX/year> and spoke with XXXX XXXX. She requested that I send bank records showing the transaction which I did immediately on XX/XX/year> around XXXX. I heard nothing after that. I called back the next day XXXX  XX/XX/year> and they stated that my bank record showed a negative balance after the transaction so therefore they could not refund the money they stole from my account for someone else 's loan. My bank records DID NOT SHOW a negative balance after the transaction. I sent the records again, highlighting the POSITIVE balance on XX/XX/year> and they will not respond to my emails or answer my calls. I need my {$940.00} back. THIS MONEY WAS STOLEN FROM ME!
Consumer complaint received 2024-04-17
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-17
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$880.00} XXXX XX/XX/2023
Consumer complaint received 2023-07-17
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. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FLXXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

I recently applied for and received an American Express XXXX XXXX. This card is advertised to earn 4X Membership Rewards for Restaurants. My last statement has multiple restaurant charges that DO NOT earn the advertised 4X. I contacted American Express about these discrepancies and was told that these charges did not earn 4X because the restaurant did meet the criteria. However, the charge is clearly labeled Restaurant : Restaurant by American Express 's own data. 

During the Chat - American Express would only look at individual charges and NOT all the Restaurant : Restaurant charges that did not earn the 4X.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Leased ( Pre-Paid at signing XX/XX/XXXX = " at end of lease you will owe nothing, walk away owe nothing '', via Salesman/Financial Mgr ) B Class, EV from XXXX ( XXXX ) : 1 ) XXXX attempted to charge {$600.00} maintanance fees during lease at service. 
REFUSED to pay. 
2 ) XX/XX/XXXX returned XXXX XXXX XXXX ahead of schedule under mileage by thousands. 
-Salesman, Finance Mgr wanted new car, new lease signed, " keeping same amount p/m payment '', " no added cost to you ''. 
REFUSED to enter into new lease or to purchase. 
Salesman/Financial Mgr insisted so, requested to see XXXX cars in stock, Salesman hesitated, demanded to be shown two ( 2 ) XXXX XXXX XXXX Class cars in stock both had red/green tag RECALL notices on dashboard Salesman tried to remove one, I read the other. 
3 ) Advised XXXX Salesman, and Financial Mgr will be purchasing XXXX. 
4 ) Received from XXXX statment, owed for 2 tires and end of lease cost, total $ XXXX+. 
5 ) Phone call to XXXX XXXX Manager with complaint : Challenged 2 items ( end of lease fee, 2 tires replacement ) with XXXX Mgr who sent another statement 2 tires removed XXXX XXXX added about same amount charge showing owed about {$1000.00}. Again REFUSED to pay. 
6 ) XXXX XXXX XX/XX/XXXX received a statement stating owed {$1000.00} will be turned over to collection agency if not paid15 days. 
7 ) Will not pay 2 reasons : XX/XX/XXXX PREPAID was final inducement to sign lease " walk away owing nothing '' ; XXXX car insurance ended XX/XX/XXXX if there were ANY damages which there were none car was covered. 
8 ) Readable copy of contract requested from XXXX Manager not received.
Consumer complaint received 2023-12-04
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: JPMORGAN CHASE & CO. (WI)

Had a XXXX XXXX in XXXX and the first XXXX we saw charged us over {$18000.00} in advance for a XXXX XXXX which we cancelled within one hour after we suspected this doctor was not reliablehe actually separated my wife and me and told her I would die if this procedure wasnt done immediately after which she gave him 2 credit cards which he charged on two separate processors ( red flag ) We found a second more reliable honest doctor that did procedure the next morning I provided documentation to Chase confirming the actual procedure as well as other items and for over 2 months fought with the dispute department after which they ruled in favor of this fraudulent doctor
Consumer complaint received 2018-03-05
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: Risecredit, LLC (CA)

There are hard inquiries on my credit report that I did not make. I have bad credit already and I know that applying for things aren't in my best interest. I need these inquiries that I did not make to be removed off my credit report.
Consumer complaint received 2023-11-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (MN)

I have on multiple attempted via certified mail requested that they send me the contract I signed with XXXX that agreed to the fees and services they are trying to collect. These fees and services are from over 7 years ago. The company refuses to provide anything but a company generated accounting log of charges and fees with no proof of an agreement between myself and XXXX.
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (FL)

I have been trying to make payments on my student loans for almost 2 months now with aid-vantage. I gave tried to receive help twice only to be told that its a bank issue and that they can not find my account. Both those times i was on hold for almost 3 hours and i do not have the time to do that again. I even have emails from them saying the same exact thing. I have double checked my bank account information that i gave them and there is nothing wrong. Now I am having interest accrue on my loans that i cant even pay!
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I contacted the XXXX XXXX XXXX to inform that the information that they are reporting to the credit bureau is incorrect and I was told that the information would be updated to show the correct information and it has yet to be corrected. I contacted XXXX on XX/XX/2018 and it is now 90 days since i have spoken to they. This has really affected my credit in a negative way and I am looking for a resolution to this problem.
Consumer complaint received 2018-11-29
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: EQUIFAX, INC. (NY)

I tried talking to the company and explained to them that this accounts are freaud. They have been removed from other credit bureaus and Equifax for some reason reporting same act 3 times. I provided all paperwork and no one is doing anything.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Subject : Complaint Against Debt Collector for Unauthorized Credit Access Dear FTC CFPB XXXX Equifax and XXXX I am writing to file a complaint for accessing my credit report under false pretenses. I believe this action violates the Fair Credit Reporting Act ( FCRA ) and warrants investigation. 
I have never given any permission nor signed any disclosures with these creditors. I have asked several times for docs and they continue to violate my rights. I have suffered damages as the information has caused me to lose my job and triggered severe emotional distress. I am writing this letter on my own initiative and free will. I have found inaccuracies in my credit reports, and the FCRA Act mandates that actual people, not computer programs, verify credit reports. Verification will come from talking to people I know, since the information provided by secondary credit reporting agencies is often inaccurate. I, the author, request that this content be removed immediately.Provide evidence of the debt, such as accurate bookkeeping. A signed invoice that attests to their allegations against you. A copy of the legally binding agreement that binds you and the other party ; send this letter by recorded delivery so that someone else can confirm receipt. I have sent them a cease and desist letter along with multiple debt validation letters. They refuse to send me an original contract. I have contacted the Creditor/Agency asking for proof of the alleged debt, specifically the alleged original application bearing my signature ; they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX presume that no proof of the alleged debt nor therefore any such debt in fact exists. According to XXXX XXXX XXXX XXXX XXXX, I am challenging the accuracy and integrity of the information. 
I have requested the FTC, CFPB and my legal counsel to investigate this matter promptly and take appropriate action against the debt collector in question. Your assistance in resolving this issue is greatly appreciated. FTC and CFPB reports have been filed. 
Thank you for your attention to this matter.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (FL)

Have been trying to access my loan information but the site has been since XX/XX/! Due to an emergency replacement of our HVAC, I want to request a one-month forbearance. 
Website is down, mobile app is down. Calls are answered with, " We are sorry but our agents are unable to access your loan information at this time. ''
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (MO)

Ive reached out to this company LCI that furnish my private information to XXXX credit agency its illegal and a violation of my rights under the fcra I did not authorize for that company to share my private information to the XXXX I spoke to a representative at XXXX and they said they got the info from LCI
Consumer complaint received 2023-03-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Global Lending Services LLC (TX)

I was in an accident on XX/XX/2023. I opened a claim with the at fault drivers insurance. They took a while to get back to me so it was probably a few weeks after I was told that there was no coverage at the time of the accident. So I then opened a claim with my insurance. This was on XX/XX/XXXX. I reached out to the total loss department at global lending service. I was told my vehicle was at one location, and that it would be in transit to go to XXXX. My insurance went to XXXX and my vehicle was not there. They were given a new location and my vehicle isnt there. The company is unable to locate where my vehicle is at this time. This has been a month as of tomorrow & my insurance still hasnt been able to do the adjustment for my car. I really feel like theres something illegal going on because no one has any answers for me, theyre just giving me the rub around.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

I am highly upset the credit bureaus have responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. I am authorizing this investigation this is not a third party company
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

I am writing to dispute and request the investigation and deletion of incorrect information regarding a specific account on my credit report. I recently reviewed my credit reports from your agencies and discovered an inaccuracy related to a charge off account with XXXX XXXX XXXX account number XXXX XXXXXXXX ( Experian ) and XXXX XXXXXXXX ( XXXX ), located at XXXX XXXX XXXX XXXX XXXX MO XXXX. 

I noticed that the dates of last activity are inconsistent across all three major credit reporting agencies. XXXX shows the date of last activity as XX/XX/, Experian as XXXX and XXXX has not reported a date of last activity. The inconsistency in the reporting of the date of last activity violates 15 USC 1681a ( 2 ) ( a ) ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must provide accurate and complete information. 


As a result of this discrepancy, I request that you both conduct a thorough investigation to verify the inaccuracy of the reported information. I respectfully request that the account be deleted from my credit report. 

To assist in your investigation, please find enclosed a copy of my credit report highlighting the disputed account. I have also included a copy of my SSN and a recent utility bill as proof of my identity and lease with address. 


Please address this matter promptly, and I expect to receive your response within 30 days as required by the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation that the disputed account has been removed from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-25
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. (GA)

In accordance with the Fair Credit Reporting and XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 



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.
Consumer complaint received 2023-07-25
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 XXXX and Experian and have disputed items with them informing them that it was identity theft. They did not send me any information informing me that anything was accurate and things remain on my consumer report. They refuse to delete it. According to 15 US Code 1681 I did not give permissible purpose or for any of the following to be reported on my report. I have the right to privacy. I have not signed anything giving anyone the ok to publish my information on my credit report. This needs to be deleted at once. 
XXXX XXXX XXXX who claims they do not report to the credit bureaus. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX child support and XXXXXXXX XXXX child support these items need to be removed at once
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office XXXX XXXX XXXX without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA, XXXX Employer - -- - Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Employer - -- - Incorrect XXXX : XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  - XXXX XXXX agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (UT)

i have received my disclosure from XXXX and pacer, experian said it comes back verified as accurate when the issue is XXXX doesn't have a bankruptcy listed under my report as it was deleted for unverifiable information, the address on the bankruptcy is not my address as my student lease was somewhere else, it also says not represented by attorney, but yet it shows attorney XXXX XXXX XXXX. also i contacted the XXXX XXXX court/ XXXX XXXX and they all said they cant verify the information as none of them share with XXXX parties so experian lied.