davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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. (NJ)

XXXX XXXX, Experian, and XXXX are reporting an account transaction from XXXX XXXX XXXX which is a result of identity theft. I am not engaged in any business with the collection company and have never signed any contracts with the collection company. I have already notified the credit reporting agencies of the identity fraud and they are willfully failing to block and permanently delete the account transaction from my credit report and file. The reporting of this transaction is causing injury to my household and hindering my access to credit.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon careful review and investigation, as per FTC Report Number : XXXX. I noticed fraudulent and unauthorized accounts listed on my credit report file and filed for Identity Theft. I requested for all listed accounts below be deleted and removed from all three of my credit report files : XXXX, XXXX, and TransUnion, however, accounts are still being furnished inaccurately. Now, according to the Fair Credit Reporting Act-FCRA codes : 15 USC 1681 ( c ), 15 USC 1692 ( g ), 15 USC 1666 , 15 USC 1681 ( b ), 15 USC 1601, 15 USC 1681 ( 4 ), 15 USC 1681-623 ( a ), 15 USC 1681-604 ( a ), the list of accounts below has violated my federally protected consumer rights : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, United States Department of Education-EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In addition, I have sent several disputes requesting the deletion and removal of these items but I do not know why the accounts listed above are continuously being updated and not permanently deleted/removed from all three credit bureaus files ; XXXX, XXXX, and TransUnion.
Consumer complaint received 2022-11-26
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. (NV)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2024-04-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (OK)

I purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX XXXX. The original price was XXXX. When we were done signing it was XXXX. I was charged XXXX for financing. Also we payed for the XXXX 's Extended warranty for XXXX. Not even 2 weeks after the purchase we had to put it in the shop and paid close to XXXX for coil replacement, brake pads, rotors resurfaced and the window would not go up. We were told that there was nothing that they would do for us and won't pay for any of the damages. This never ran right and we were afraid it was going to brake down so we asked the to pick it up voluntarily. Our credit went down XXXX points. We are trying to get a home for our children and this has affected our credit. We paid for about 2 years and was never late on payment. I hope can help I do have all the receipts and paperwork still.
Consumer complaint received 2023-07-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Collectors Corp. (WI)

I was not notified of this debt, nor was I given the information regarding my right to dispute it. I was at college & never received a notice about this medical bill nor given the opportunity to verify it or dispute it. It was originally reported on my XXXX Credit Report on XX/XX/XXXX ( never received notification ) & updated again in XX/XX/XXXX. I am respectfully requesting this medical debt be removed from my credit report. I was not given the opportunity to verify the debt, arrange a payment plan or to negotiate the validity or terms. I am just starting to establish my credit history and this bad debt is harming me before I even get started.
Consumer complaint received 2024-04-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Called to get copy of original contract Consumer violations under 12 USC 5531 ( a ) Deceptive Practices 12 USC 5531 Abusive practices 12 USC 5531 ( d ) ( 2 ) ( A ) - ( B ) Executive Law 63 ( 12 ) Fraud
Consumer complaint received 2023-08-02
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. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my 2nd 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 XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}, BankruptcyXXXX  XXXX Filed on XX/XX/XXXX Reference number : XXXX Court : XXXXXXXX XXXX VA XXXX, Bankruptcy : Discharged XXXX XXXX on XX/XX/XXXX Referencenumber : XXXX Court : US DIST CT, XXXX  XXXX bankruptcy discharged Filed on XXXX XXXX Reference number : XXXX Court : U.S. Bankruptcy Court, XXXX XXXX  Inquired XXXX XXXX XXXX XXXX, XXXX CARD Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, FINANCIAL PA Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-04-05
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. (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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2023-02-08
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. (CO)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

This is the second ( 2nd ) time I have logged in to get my free, annual Equifax credit report and received the following message : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Report online ''. I am instructed to request it by mail and have to submit a request form along with a copy of my Social Security card and a copy of my driver license. I DO NOT want my personal information being mailed to Equifax, nor do I want my credit report being mailed to me. This opens me to identity theft!! The mailed items give a thief all they need to cause havoc to my financial life. I have no trouble getting XXXX or XXXX ; I have them for XXXX. And, I received them in XXXX. I just received the Online Delivery Unavailable for XXXX from Equifax ; I also received the same in XXXX. I 'm not sure about prior to that. If Equifax can not provide the free, annual report online like the others do, please close them down! They have already caused enough anxiety and worry for consumers with their massive breach, which they failed to disclosed when they found it. I want my report online ; or I want Equifax to assume 100 % liability for any identity and/or financial problems I incur with my personal information being required to be sent via the XXXX. Thank you.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (CA)

The company Lexus Nexus has made it impossible for me to recover my true name identity theft. When I reached out and finally got a hold of someone at the company the only reason I was able to was because I spoke with the identity restoration at XXXX because I can not get car insurance. The reason I can not get car insurance is because Lexus Nexus uses inaccurate information from Identity Theft reports that were made against my credit. After much explanation and many many hours on hold nothing has been resolved the only thing I was assured of is that it would never be resolved and I quote no matter what I do the points on my record will never disappear because they will never take them off no matter what kind of proof I show them. That Lexus Nexus is the final decision-making process in any lifestyle credit situation even if the fraud account does not belong to the consumer. There's no way to dispute it or make it go away so I should just give up.
Consumer complaint received 2024-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CO)

Week of XX/XX/23 I had an emergency plumbing issue that needed immediate resolution and hired XXXX XXXX for the emergency repair. Given the bill was astronomically high ( and I am not convinced he didn't inflate the cost because of my gender ), the plumber informed me of a special financing offer through Wells Fargo, which included a no-interest period for a certain duration before interest would accumulate. However, the plumber refused to provide written terms for the offer, and could not confirm the actual interest rate number that would be applied. He made me fill out/sign a document that only contained my personal information without any written agreement terms etc and I assume was forwarded to Wells Fargo XXXX Despite repeated requests, the plumber did not supply any written terms or conditions regarding the account or interest rates PRIOR to me signing the essentially " blank check agreement '' for an emergency repair in which I felt I had no other choice but to agree to because of how much duress I was under without working plumbing. This lack of transparency and refusal to provide written terms or fully explain the terms seems like collusion between Wells Fargo and XXXX XXXX to mislead and trap customers in predatory financial agreements. I paid approximately {$4100.00} of the {$5500.00} total before the end of the no-interest period, expecting to be charged interest only on the remaining {$1400.00} ( approximate ). However, Wells Fargo charged me 29 % interest on the XXXX {$5500.00}, which was never communicated prior to my agreement. The plumber failed to provide any written documentation of the financing terms, leaving me unaware of the actual conditions of the agreement. It is completely unfair to expect me to pay interest on payments already made and no justification from Wells Fargo can legitimize these deceitful practices. This situation is causing me significant financial harm and distress. This situation also highlights a serious issue with Wells Fargo 's continued predatory practices and showcases how out of control their leaders are. Wells Fargo should be fully investigated for any other potentially criminal activities they are performing given their track record in recent years, and their top officials should be held accountable for criminal acts. Furthermore, XXXX XXXX should also face civil and/or criminal charges pertaining to this situation for knowingly misleading and taking advantage of their customers during emergency situations.
Consumer complaint received 2024-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

All parts of my finanaced loans for XXXX XXXX have not been discharged. All parts of my finanaced loans that apply to XXXX XXXX should be discharged due to the fact that -The U.S. Department of Education ( Department ) determined that all borrowers who enrolled in a school operated by XXXX XXXX XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX, when it stopped enrolling new borrowers, are eligible for discharge of their related federal student loans. This group discharge process will facilitate relief to borrowers harmed by XXXX 's actions.
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$21000.00}XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00}, XXXX XXXX XXXX  XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consolidated Recovery Group, LLC (PA)

XX/XX/2023 - {$350.00} they added the following to my credit report. 

Under a different name other than mine. 

Without notice and final validation notice to let me know they have a right to add this to my credit Report. 

The proper steps were not taken in order for me to dispute this information.
Consumer complaint received 2023-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc. (OR)

I purchased a {$100.00} google play card at XXXX store in XXXX XXXX Oregon but I couldnt use the card cos I get an error code whenever I try to redeem the card needs more information. 
Date : XX/XX/2022 Amount : {$100.00} google play card Company : google play card I contacted google but few days later I got a response like appeal isnt eligible I need my card activated for use.
Consumer complaint received 2024-03-16
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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 2023-05-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Letter was sent XX/XX/2022 from XXXX XXXX XXXX / XXXX. Amount : XXXX theyre demanding the amount is to be received by XX/XX/2022. The name signed by XXXX XXXX, director of operations. 

I told them i dont have that amount by that date and can only offer {$800.00} and they refused to agree. They told me if I couldn't pay the amount, they threatened me thag it would damage my credit report from them
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: RNN Group, Inc (GA)

RNN Group responded that my file was closed XXXX XXXXXX/XX/23. XXXX XXXXXX/XX/23, my HR rep. reached out to me that the RNN Group has in fact continued to send numerous emails bordering on spam due to the sheer amount sent. They stated my file was closed and yet continue to send emails. Which means they have violated their own response to this issue. I have attached their response to this new complaint. I will continue to document this issue and my HR rep. will continue to assist by providing me proof they are still in contact even though they have stated, in writing, that the file was closed.
Consumer complaint received 2017-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc. (NY)

I made an arrangement with XXXX XXXX XXXX , XXXX to pay {$220.00} for settlement of debt to be paid by XXXX XXXX, XXXX. I call the company on XXXX XXXX, XXXX, and spoke to a XXXX . XXXX. I made the payment that same day using my debit card. XXXX XXXX sent by email the payment receipt dated XXXX XXXX, XXXX. I notice on my XXXX XXXX, XXXX, on my credit report for XXXX XXXX / XXXX account in the comment section that it was purchased by another lender. So I contacted XXXX  and they told me that XXXX XXXX XXXX has this account. I asked why and told them that I had paid the account with XXXX XXXX XXXX. The representative told me that they did n't have any information concerning this company or payments and I would have to contact XXXX the lender. I contact XXXX XXXX  and spoke to a XXXX XXXX concerning the issue. She told me to email to her the receipt of payment and she would get back to me. I received an email from her stating that the document I sent did n't show that the original creditor was XXXX that it was Credit Corp Solutions. She told me to contacted XXXX XXXX  about the payment and Credit Corp Solutions. I told her I did and they advise me to call her company. I asked her if she could send something stating that this payment was received to XXXX Credit Bureau and XXXX XXXX / XXXX. She told me that they sent out this information to the credit bureau in XXXX XXXX and the company does n't do this anymore and she could n't help me. Therefore I should contact Credit Corp Solutions and XXXX XXXX again.
Consumer complaint received 2023-04-11
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. (PA)

Congress states in 15 usc 1681 s -2 ( a ) ( XXXX ) ( a ) 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. The irs defines a charge off as gross or ordinary income. Income is not supposed to get reported on a consumer report by law. So why is it being reported?
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation (VA)

I ordered an indoor cycling bike from XXXX XXXX in 2020 during the pandemic. The bike arrived and after assembled it did not work properly. I returned the indoor cycling bike to XXXX XXXX Although, the bike was defective they have charged me {$890.00} for shipping and the product did not work. 

I dispute the debt in question as this is not an amount I should be responsible for since this product was defective.