davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Location Specialists (WI)

This company called ALS states I owe debt but said my time has expired and they are calling for verification of my address to serve me a lawsuit. When I asked about the debt they said that they already mailed me the information and that they would not do that again. Said they could only email but never did. " XXXX XXXX '' stated that he contacted my mortgage company and talked to someone to put a lien on my mortgage and that they contacted law enforcement because I did not pay my debt. Keeps calling me and family members and said the paperwork is filed with the courts. Told me good luck on last phone call on XXXX
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-10-20
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: Experian Information Solutions Inc. (MI)

I have disputed inaccurate reporting information with Experian. 
I have a account that's being reported two different information with XXXX XXXX XXXX. 
See Attached Documents - XXXX XXXX XXXX reported on the same dang day and time. According to the reporting date. To XXXX and Experian from the same department. The system or person reported to Experian " Paid/ Paying as Agreed " as it should have. 
Now this same system reported to XXXX " Paid/ Was 30 days past due date ". This is from said same system and person. 
Then we get down to the payment History. Again XXXX has ( OK ) for the XX/XX/2021 payment box. 
Now we stroll up a bit, we noticed that Experian has ( 30 ) as in 30 days past due. 

This is wrong and I need someone to help me get this corrected. This two timing information is against the law. This company should be investigated for unfair, inaccurate, and incorrect information. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (CA)

The account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in the accuracy and the reported payment history on this account is a mystery to me. 
SANTANDER CONSUMER U XXXXXXXX Balance : {$19000.00}
Consumer complaint received 2022-12-20
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. (NY)

This is my continued 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am writing to dispute a certain account that has been reported across the XXXX bureaus on my credit report which I believe to be inaccurate. I have never missed a payment, and all my accounts are current and in good standing. I have been a responsible borrower and have always made timely payments on all my debts. 

The delinquent account listed below is not accurate : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-14
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. (MO)

I recently disputed certain inaccurate information that is appearing on my credit report, as governed by the provisions outlined in 15 U.S. Code 1681o Civil Liability for negligent noncompliance. I have reviewed my credit report obtained from your agency and have identified discrepancies that require immediate attention and correction. 
I believe that the inaccuracies present in my credit report violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which stipulates the responsibilities of credit reporting agencies regarding the accuracy of the information they report. 
I have outlined the details of the disputed information in my dispute letter attached to this complaint.
Consumer complaint received 2023-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I attempted to pay off all my student loans in two payments in XX/XX/2023 but I could not because MOHELA 's portal was unclear and customer service was unresponsive well after the 3 business days waiting period. Additionally, the portal possibly included incorrect information - I say " possibly '' because they still haven't cleared it the confusion. 

- In early XXXX, I made a small payment to see how the payment system worked. This was successful. 
- I made a large " final '' payment to pay off my entire balance. The process to pay off the loan was confusing because I could not see where to pay for the interest, it only showed me an option to pay for principal. When I made my " final '' payment, I thought it included everything since I was reading off of the amounts in the portal. I logged in a few days later to find that more PRINCIPAL was owed ( around {$60.00} ) - I sent them a secure message through their system to ask how to complete the payment of the interest and to clarify why I had a principal balance when I had paid off all my principle. 
-After sending the message to customer service, I made another payment to clear out the remaining {$60.00}. 
- I logged in again today ( XXXX ) and found that an additional amount is still owed. 
- As of this writing, I have yet to receive a response.

My friend has had similar issues paying off her loan in one go and I have encouraged her to submit a complaint as well. I should have not have to go through so many loops to pay off
my student loans. I have the money to pay off everything now - Imagine those who do not and are forced to work with MOHELA.
Consumer complaint received 2023-11-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I recently saw a increase in phone calls from credit acceptance ( my car loan company ), they claimed my payment was not made, this have been set to auto pay since I have had this loan, last year this exact same time in XXXX I had the same issue. They claim is was my banking issue, I have never had anything before {$5000.00} in my account in 3 years, so I don't know why this happen same time and same month 2 years, now my credit have drop significant due to the issue even after paying it the next day, also my XXXX XXXX interesr rate is very high, they need to stop messing with people money and living
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I believe that I am a victim of identity theft Reason being I am unable to freeze my account, online due to the fraudulent entries on my credit report where someone fraudulently used my name to lease and purchase vehicles and vehicle tags. There are bank accounts last XXXX digit information of banking accounts in my name that I do not own.. 

I have never owned a vehicle in my life, I have never owned a drivers license never in my life since 2015 someone has been fraudulently purchasing vehicles tags and bank accounts in my name
Consumer complaint received 2022-12-20
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. (MD)

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I hope this message finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my accounts. Regrettably, this marks the many formal request for the resolution of this pressing issue. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved and continue to adversely impact my financial well-being. These unauthorized activities not only jeopardize my financial stability but also erode my trust in your organization 's ability to safeguard my accounts. 

I urge you to take immediate action to rectify this matter by promptly removing the fraudulent items from my accounts and providing me with confirmation of their removal. Additionally, I request a comprehensive investigation into the root cause of these unauthorized transactions to prevent similar incidents from occurring in the future. 

The presence of these fraudulent transactions on my accounts has caused significant distress and inconvenience, and it is imperative that they are addressed without further delay. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit acceptance Highest balance XXXX XXXX Account number This account was opened fraudulently and according to 15c U.S. code & 1681 c-2 must be removed in four days according to the fair credit reporting act.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act the following accounts has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

Please remove these fraudulent accounts.
Consumer complaint received 2023-04-20
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. (GA)

I am writing this letter in response to the recent collection notice I received from XXXX XXXX XXXX regarding a debt that THEY claim I owe. I am aware of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 ), and I believe that your collection efforts are in violation of this law.

As per the FDCPA, it is illegal for debt collectors to use abusive, deceptive, or unfair practices when attempting to collect a debt. I strongly believe that your agency has violated this law by engaging in the following practices : THEY DO NOT HAVE THE RIGHT TO COLLECT IN THE STATE OF GEORGIA THEREFORE THEY SHOULD NOT BE REPORTING ANYTHING ONO MY CREDIT REPORT THEY ARE NOT ON AMY OTHER RPEORT OTHER THSAXXXX XXXX AND XXXX REFUSES TO REMOVE THE ACCOUNT In light of these violations, I demand that your agency immediately remove this collection from my credit report and cease any further collection efforts related to this debt. I also request that you provide me with written confirmation that you have taken these actions within 30 days of receiving this letter. 

Please note that I am prepared to take legal action if necessary to protect my rights as a consumer under the FDCPA. I urge you to take immediate action to remedy this situation and avoid any further legal action.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Alot of things that is reported on my credit should have been removed but is still being reporting. It has been pass the FCRA statue of limitations ( 7 yrs ), however still reporting on my credit. They are falsely reporting accounts that have been paid off and my credit score is Inaccurate. There are still student loans that were from XXXX still reporting on my account falsely. This is a violation of the Fair Credit Reporting Act. I have disputed many of these items and they are still reporting on my credit falsely.
Consumer complaint received 2023-11-19
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: BARCLAYS BANK DELAWARE (NY)

XXXX XXXX XXXX XXXX XXXX agreed to refund XX/XX/2023 purchase, but then only provided store credit. 

Barclay 's then refused to investigate after the charge was disputed, and declined to return my money.
Consumer complaint received 2023-11-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2023, I initiated a wire transfer from my checking account at Citibank to an account at Bank XXXX XXXX XXXX {$110000.00}, which was deducted from my account on that day. 
Neither Citibank nor anyone else informed me that the wire was not posted by the recipient bank. I had no indication of any problem until the recipient informed me on XX/XX/XXXX that Bank XXXX informed the recipient that the bank had rejected the wire. Ultimately, Bank XXXX provided a document claiming to have returned the payment on XX/XX/2023. That did not happen. 

I called Citibank XXXX XXXX on XX/XX/2023 to inquire as to why I had not received the {$110000.00} back in my account, and was informed by XXXX XXXX that Citibank had never received notice of the rejection of the wire, which should have been received. As a result, I initiated a recall of the wire in XX/XX/2023, which I was told by Citibank was my only option. 

On XX/XX/2023 my account was credited with {$110000.00}, representing funds returned by Bank XXXX at that time. However, the returned funds is short by {$4400.00} from the amount deducted from my account for the wire. The explanation given for the shortfall is the change in the exchange rate between XX/XX/XXXX and XX/XX/XXXX. This delay never should have occurred. The wire should have cleared or been immediately rejected. Bank XXXX claims it rejecyed it promptly, at which point Citibank should have demanded the money. Had it done so, I would have received roughly the full {$110000.00} in my account. 

I opened several cases with Citibank, none of which were given any real attention.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (NC)

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 2023-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (WY)

Hello, I'm XXXX XXXX XXXX representing domestic XXXX XXXX XXXX. 
The XXXX has plans to develop and publish apps on Google Play so in behalf of it I opened the Google Play Console account and confirmed the corporation address. 
The Google Play sent me email ( Your identity has been XXXX ). 
Then I received notification that my Google Pay account is suspended with a link to the interactive form to upload documents. The XXXX has XXXX number and verified address was confirmed from XXXX. 
So I have uploaded my passport photo, XXXX XXXX XXXX XXXX stating this address ( that can also be found on Wyoming State business registry by typing the company name ). Also I tried to upload XXXX telephone bills with corporate address on it ( paperless meanwhile containing logo, transaction number etc. ) for XXXX and corporate bank statement for XXXX too. Also even when I said that account is corporate they asked for my personal address confirmation which I also sent to them my personal address confirmation from the XXXX XXXX XXXXXXXX statement. 
Every time after sending them documents I receive emails like this : " Thank you for taking the time to submit your information for verification. Unfortunately, what you submitted cant be used to verify your account details and you will need to re-submit the document using the secure form here. Specifically, we require that you submit a Proof of Address ( such as Bank Statement/ Water/ Electricity/ Gas/ Telephone Bills ) document that is dated within the past 90 days. 

Your data safety and privacy is very important to us. Google stores your information on secure servers and never shares it, except in the limited circumstances specified in our Privacy Policy. 

We make great efforts to review your documentation and reply to you within 24 hours. 

Thank you for your cooperation. ''
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX ,   XXXX   XXXX  , &   XXXX   XXXX   XXXX  , all nasty companies were warned and advised to cease and desist all collection efforts pertaining to this account that they have begin reporting on my credit file. I am a victim of identity theft, my mother   XXXX   XXXX   and a number of other individuals whom she and my step father sold my personal information to opened this account in my name. This company has no signatures from myself signing this lease, and also has been told even if the docuets were true, the amount according to what they stated were incorrect, and the company or creditor that this company is collecting for committed identity theft on numerous occasions, even after I notified them that I was a victim of identity theft. This company tried to create a false billing statement in my name and attempted to file it in court. Attached is my Federal Affidavit of identity theft and this company is named as well. I requested this company discontinue trying to collect on this debt as it is a result of identity theft. They have none of my signatures verifying or validating a legal contract, and the amount is also extremely questionable. I was even told to sue when this company refused to stop trying to commit identity theft in my name. I have taken this information to the police and also the FBI at which time the company ceased for a while and nothing was heard from them. They then reappeared by placing the account in a collection agency at which time, I notifyed that company of the identity theft and that my mother committed it against me. I sent them the same federal affidavits that you have on file, and they sent a generic lease agreement with electronic signatures as opposed to my actual signature. So they conducted the identity theft via computer. My mother should have never placed my name on this lease. It is   XXXX   XXXX    's debt and not mine.