davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
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. (MO)

I am writing to formally dispute and request the removal of fraudulent items from my credit report. It has come to my attention that there are inaccuracies on my credit report that are a result of identity theft and fraudulent activity. I am taking the necessary steps to address this issue, and I kindly request your assistance in resolving this matter. 

This collection account is the result of fraudulent charges and is not associated with my financial history. I have already reported this to law enforcement and the creditor. 

I have taken steps to report the identity theft and fraudulent activity to the relevant authorities and have obtained police reports and incident reports documenting these incidents. I am enclosing copies of these reports, along with any other supporting documentation that will assist in your investigation. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of fraudulent items from my credit report. I request that you conduct a thorough investigation into the fraudulent accounts mentioned above and promptly remove them from my credit file. 

I understand that you may need some time to conduct your investigation, but I kindly ask that you notify me of the progress and provide updates as soon as possible. Additionally, please provide me with a copy of my updated credit report once these fraudulent items have been removed. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (GA)

The account was open but never used. I verified with the creditor XXXX XXXX XXXX that the account was inaccurate and not my account. 

SUNRISE CREDIT SERVICES - XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (TX)

As of XX/XX/2023, I refinanced my car loan from XXXX XXXX XXXX XXXX XXXX XXXX. XXXX rejected that check and sent it back to XXXX. XXXX sent out another check XX/XX/2023 and that check was cashed to XXXX but was never applied to my account. Upon verifying with both credit unions XXXX and myself came to the conclusion the XXXX did indeed cash the check according to our copy of the check being stamped for the date XX/XX/2023. XXXX  is not agreeing to cashing it at all and keeps stating that it was rejected and sent back, yet the check was stamped as cashed towards another bank, XXXX XXXX.
Consumer complaint received 2024-07-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AmeriCash Holding LLC (NJ)

Sorry, I am having trouble fitting my complaint into your format. This is about phishing scam/spams I am receiving - A LOT OF THEM - from XXXX. I can send you original emails at any time if you contact me. 
This one is " SpeedyLoan Reminder '' and " Your XXXX funds are wiating. Your account is already approved '' - WHAT ACCOUNT??? I have NO LOANS beyond my mortgage. I did not sign up for this, do not trust the source, and can't unsubscribe because I'm sure they'll just send me more if I try. Very frustrating. I've been reporting to XXXX  and also to ftc, but I'm not getting much traction there, still receiving these frequently. And they are NOT all about loans - who do these folks think they are? The send me stuff on getting loans, yes, but also refunds, and want to sell me a portable mosquito zapper, get me an unsecured XXXX, reminding me to schedule appointments, etc. etc. 
PLEASE DO NOT SHARE ANY OF MY INFO WITH THEM, AS I'M CONCERNED THEY'LL JUST SEND ME MORE OR SELL MY INFO TO ANOTHER PHISHING SPAMMER.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Ive submitted requests to all three credit unions ( XXXX, XXXX, and Experian and neither was able verify the account, so I requested it be removed within 30 days and it still havent. I have an account from XXXX XXXX XXXX  that should not be on my credit report.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have been having issues with unknown addresses that I never lived at keep reappearing on my credit file XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX OH XXXX, I believe it is a error and possibly another XXXX XXXX and Our files have been confused somehow to my file XXXX XXXX # XXXX, EXPERIAN Report number XXXX, XXXX  XXXX. I have attached at copy of my OHIO STATE ID for proof and verification.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I have been a loyal American Express customer for 15 years. I have never requested a fee waiver in that time period. I pay my account in FULL each month. 

I noticed I was charged a {$40.00} late fee after the XX/XX/XXXX holiday. I was out of town for the holiday and logged onto my account the Monday XX/XX/XXXX after the holiday to pay my bill and noticed a {$40.00} late fee that was charged on XX/XX/XXXX even thought he previous month I had paid on XX/XX/year> in full and had a XXXX balance. 

I called American Express to get the late fee waived and was told this was denied. American Express indicated that I was late 1x previously in the 12 month period and this was the reason. I looked at my account and saw that I was in fact charged a {$29.00} late fee in XX/XX/year> but I had made 2 payments in XX/XX/year> and had a XXXX balance. They explained that my billing cycle was a random date in the middle of the month which was never explained to me or disclosed. American Express also never checked with me to make sure the billing cycle works for my needs ( a customer who paid every month in full ). 

The billing cycle used by American Express enabled them to charge fees and interest even though I pay my full account balance each month at the beginning of the month. They charge a late fee for activity after my account has been paid in full. The charges that are leveraged in their next billing cycle which is at the middle of the month are low in dollar amount ( under {$40.00} ) for which they then charge $ XXXX {$40.00} in late fees. This is predatory and abusive. 

The representative was not helpful on the phone. Did not acknowledge that I was a loyal customer, pay my account in FULL each month or that the billing cycle can be easily adjusted by American Express so that customers like me are not charged abusive fees. Instead he just said he could do nothing. 

- Poor customer service. 
-Not wanting to help. 
- Abusive practice in not disclosing fees will be levied -Abusive practice in not disclosing billing cycle - Abusive, predatory, and unfair practice of not contacting the customer about adjusting the billing cycle especially when customer has been loyal and paid on time and in full each billing cycle- American Express took advantage of the billing cycle being in the middle of the month after I had paid off my account in full so that they could charge fees to bolster their pockets and off the backs of loyal customers.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (AZ)

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX  Balance : -
Consumer complaint received 2024-07-15
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P. (MI)

Last year I had a credit card through XXXX XXXXXXXX someone hacked into my card and I we close the account through XXXX  XXXX so then they sold my information to Resurgent credit and they trying to say that I owe them XXXX and some dollars with them, but I told them my credit card was hacked and they sent me information that I need to fill out and send back to them stating that that happened, but I never had a credit card through Resurgent capital services through credit. and they can not provide me with any copies that I signed with them stating that I will pay them back
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

A " friend '' on XXXX told me that they had a puppy for sale, and asked me to PayPal her {$200.00} to secure the dog. So I did. Her account was hacked, there was no puppy, and now I am out {$200.00}
Consumer complaint received 2021-08-31
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: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I sent a packet in response to Experian Investigations result. Experian has continued to Report Inaccurate information on my profile. In the packet i submitted a notarized affidavit of Truth, Documents supporting my claim in regards to inaccuracy from XXXX XXXX and a invoice attached. Experian haws failed to update and do an investigation properly.XXXX XXXX is the Furnisher for Experian and dont have any Bankruptcy on my profile with their company. This inaccurate information needs to be deleted.Ive been denied credirt from several banks and my federally Consumer Rights were Violated under FCRA 15 U.S Code1681e ( b ), 15 U.S Code 1681i ( 5 ) ( a ) ( i ), 15 U.S Code 1681b ( 2 ) .15 U.S CODE 1681a
Consumer complaint received 2024-07-14
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (OH)

Similar to the other claim I submitted. I did not realize how high the percentage rate was when applying for this loan. I am struggling to pay my bills between this loan and my other loan I am currently paying roughly {$860.00} a month. Im behind on my bills and would like to start saving to buy a house. The percentage rate in interest that I am paying is 159.56 % Im paying {$160.00} each pay and only {$38.00} is going towards paying off the {$1900.00} I owe.
Consumer complaint received 2023-11-17
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. (TN)

On XX/XX/ I sent a certified letter to Equifax asking for specific documentation on how their company went about verification of certain items on my credit report, including how their dispute process works. No information was sent to me from Equifax and they are in violation of my rights as a consumer according to FCRA ) Section 611 ( a ) ( 7 ). Equifax failed to provide the requested documentation within the 15-day period as required by law.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK (TX)

I dont know what happened but I started seeing mailings coming to XXXX saying I have like 5 credit cards but I never open one before and I dont know what to do in this moment.

And have not supplied proof under the doctrine of estoppel by silence, Engelhard v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-02-13
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (MN)

I decided to work with XXXX to get a reverse mortgage. At first my broker was friendly and helpful, however as time went on he started to want more information. Like proof I had money in my back account. He first wanted to know if I can effort the closing cost around {$4000.00} I said I will get it. He also push me to sign documents on an artificial closed date, not on my terms. When he sent me closings paperwork the closing cost came to almost double the cost. When I sent email official declining the off and not to contact me. He contact me and he ran numbers and because I live in Minnesota my closing cost would only be XXXX. He new within 10 minutes of the first call I live in Minnesota
Consumer complaint received 2024-07-14
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (CA)

I leased a 2023 XXXX XXXX in XXXX of 2023. I noticed in XXXX the lease payments had not been reported. I contacted Honda financial and they told me they are reporting the payments and to contact the credit bureaus. I was confused because I was under the impression this was the finance companies responsibility. I then contacted the dealership and they agreed ( with me ) that it should be reporting on my credit. They advised me to call Honda financial back. They then advised me to give them XXXX  days they will need to reset the reporting. As of today, there is not any reporting on my lease payments and it has been XXXX months since I leased my vehicle.
Consumer complaint received 2023-11-04
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX, and Experian are obligated by the FRCA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX, XXXX, and Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX, and Experian has 15 days to provide me with the name of the person spoken to, documentation used signed application with consumer wet ink signature. Consumer is not asking for an e-oscar report, if XXXX, XXXX, and Experian do not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. I will be filing form 211 Treasury OMB forms to audit consumers account. XXXX, XXXX, and Experian are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
XXXX Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX North Carolina XXXX XXXX 
XXXX Commission file number. XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( collectively, the XXXX Entities ). XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( collectively, XXXX ) for the dates associated with identity before being sold.
Consumer complaint received 2023-11-04
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. (TN)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-11-04
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)

This is my other 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 Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-23
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. (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 XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an 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 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 that person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-03
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. (FL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-03
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. (TX)

XXXX credit card is a business credit card which is included in company 's XXXX  XXXX. The account holder is XXXX XXXX XXXX XXXXXXXX, XXXX. 

However, XXXX is still trying to collect and harm my personal credit. In addition, I've had several fraudulent XXXX XXXX XXXX XXXX  attempts from XXXX XXXX bank accounts unrelated to the business. 

I demand XXXX business credit card be removed from my personal credit report immediately.