davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
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. (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 Account number : XXXX has violated my rights. Or 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 2023-09-27
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. (CT)

XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Miscellaneous Repta. Agencies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX and XXXX & XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX Banks and XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX Financing Company XX/XX/XXXX Experian
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I established a new credit card some months ago. Then I began to worry about it seemed to long that I had not received a bill or any confirmation about future payments so I called the customer service # and they assured me that my account was up to date and I would be getting monthly requests for payments. On XX/XX/XXXX I got a notice of past due for XXXX. I called the customer service # and waited for over an hour without anyone answering. So I'm complaining now to your office.
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (TX)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-23
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Credit Karma (AZ)

XX/XX/XXXX. Received notification my credit score went up. Went to credit karma and offered XXXX guarantee if not approved. Denied. Received a hard hit inquiry which hurt my credit. 

Chatted with customer support who did not honor the guarantee and basically said it was up to the creditor. 

I wouldn't have applied if I was guaranteed.
Consumer complaint received 2022-12-12
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. (MO)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am requesting of you to remove or correct the following accounts reporting erroneous information on my Credit File : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$410.00} 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 XXXX Balance Owed : {$710.00} XXXX  XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$79.00} XXXX I require you to send me copies of proof of verification or any documents that resulted from your investigation. Failure to submit such documents, I will assume that you did not conducted any investigation at all and will be filing a lawsuit. So please comply with the law.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (LA)

On XXXX Jefferson Capital Systems reported an account with a Charge off/Collections status onto my consumer report as well as a remaining balance of XXXX, I requested that the company provide the original agreement and I have yet to receive anything.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: 1803 Capital, LLC (NC)

I wanted to buy a house so the XXXX  said I had to build my credit and I had a car that was paid for XXXX XXXX XXXX XXXX good condition and I used it to trade it in a complete auto sales in XXXX XXXX XXXX  for a XXXX XXXX XXXX which turned out to be a lemon not only did they used paperwork from the previous day purchase of a XXXX XXXX XXXX XXXX day and took it back the next day and ended up with the XXXX but they use the same paperwork as XXXX XXXX as my signature and also done a hard inquiry about XXXX times going back to the XXXX XXXX unable to take the tires off because they didnt supply me with a jack or spare tire not only that I can not get the right rear tire off. XXXX take it to every major tag company and no one can get it off.and knowing that it would put me in grave danger if I was to get on the highway and have a blowout!! not only that they charge me a very high interest rate, I had it I had a XXXX XXXX of XXXX and the interest rate in a be in XXXX  % & also added on additional charges and fees after I had signed using aggressive sales tactics so Im asking for not only compensation for the mental and physical toll this has taken on me but my automobile back my XXXX XXXX XXXX if not some similar {$12000.00} would be a reasonable compensation
Consumer complaint received 2022-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (IL)

XXXX XXXX XXXXXXXXimproper use of my rights. In accordance with the fair credit report act XXXX  acct for XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1666B! A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. I never gave any permission to any collection or charge.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MO)

I have an over limit fee of {$40.00}. I didnt agree to this and they should have just declined my card. They are telling me that this is in the credit card agreement when I got the card but I didnt sign up for this fee. I dont allow any credit card to pass the limit and have a declined transaction instead if I go past the limit. I also pay on time. I called the US Bank customer service on XX/XX/XXXX and she said that she cant waive the fee. I also asked if she can provide a courtesy and have me talk to a manager but she is saying that no one is available and she cant take an escalation and no one is higher than her.
Consumer complaint received 2024-04-23
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: Bridgecrest Acceptance Corporation (TN)

BRIDGECREST Balance {$17000.00} Balance updated XX/XX/2024 XXXX XXXX XXXX XXXX Balance {$18000.00} Balance updated XX/XX/2024 Never sent me copies of 1099c
Consumer complaint received 2023-09-27
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: EQUIFAX, INC. (DE)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (OR)

Someone from a home in XXXX XXXX XXXX XXXX, GA has stolen my identity to open an account with XXXX XXXX XXXX which has gone to collections under my name. 

Their phone numbers are XXXX & XXXX. The amount is {$2800.00} owed to Sunrise Credit Services. I have filed a police report and would like them to clear these collections from my name.
Consumer complaint received 2023-09-04
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: OneMain Finance Corporation (MI)

OneMain Financial clearly states Ithat I could check to see if I was approved for a perso AL loan without hurting my credit score. Unfortunately there are two accounts on my credit report where OneMain Financial has blind side consumers with false advertising. This is an act of fraud and I like to has them investigated for deceiving me as a consumer. I never submitted an application for a personal loan. It states check to see if you are pre-approved without hurting your credit. Also I would like an attorney to file a law sue for false advertising.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc. (OH)

I have asked for the late payment to be removed. I was told it could not be remove because it is correct. 

In accordance with the Fair Crediting Report Act this creditor has violated my rights under 15USC 1681sec602 states I have the right to privacy 15USC 1681 sec 604A sec 2 also states a consumer reporting agency can not not furnish an account without my written instructions under 15USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plant as late for any purpose.
Consumer complaint received 2021-01-01
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: CAINE & WEINER COMPANY, INC. (IL)

This is a NEW Complaint filed on XX/XX/XXXX. 
I am in possession of the papers sent to me on XX/XX/XXXX, The information provided was unresponsive to my demands. I demanded proof that I owe you money, this is not proof that I owe you money. 
In fact your name is not even mentioned on any of the paper work provided. 
Furthermore, Please provide proof of this alleged item ... Specifically the Contract, note or other instrument bearing my SIGNATURE, before continuing collection activities!
Consumer complaint received 2023-11-09
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Frontline Asset Strategies, LLC (NJ)

I am a XXXX for almost 8 years and I have been spending my times in and out of XXXX for every other XXXX. This time I arrived at XXXX XXXX and not too long after I got mails from frontline asset strategies that I needed to pay {$25000.00}. Going through when the account was opened I was in XXXX throughout the entire COVID 19 pandemic and could not possibly be in 2 places at a time. I called up and informed them that I never had any bank credit card from XXXX XXXX and I am not the one that opened the account. A heated argument ensued the agent was very dismissive of my argument and thereafter I asked her to go to any length to prove that I own the account. The response sent to me was to submit an FTC report and this is what I am doing now
Consumer complaint received 2023-09-27
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2016 I PREVIOUSLY DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT AND THEIR RESPONSE IS ENCLOSED. 
IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER, THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT IS AN ERROR OR A LIE. 
EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) .AND THE INFORMATION MUST BE DELETED IMMEDIATELY
Consumer complaint received 2023-08-09
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. (NC)

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 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 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.

This inaccuracy is preventing me from getting approved for credit cards, a home and a loan for a vehicle. I enlisted in the military ( XXXX XXXX ) in XX/XX/XXXX from the address XXXX XXXX XXXX  XXXX, NC, XXXX. This collection account has been opened fraudulently in my name as of XX/XX/XXXX. I also put a freeze on my account, alerting that I was on XXXX XXXX. Also sent documents previously to prove I joined the military last year.
Consumer complaint received 2023-03-14
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: Convergent Resources, Inc. (NC)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent in multiple dispute letters to the credit bueros, for inaccuricies that they were reporting explaining to them to correct it and that it was identity theft they still continued to report the information after I told them it was not mine XXXX XXXX XXXX XXXX XXXX XXXX A few other disputes I have That I do not have infornt me right but i sent last year as well
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK (CA)

I was denied credit by Discover Card Bank due to the credit report supplied by the credit reporting agencies. 
I have repeatedly asked XXXX, XXXX, and XXXX to update my credit report AND my XXXX credit score due to their repeatedly failure to provide me with maximum accuracy of my credit reports per 15 USC 1681e ( b ). I have filed complaints regarding this issue since 2000 and my XXXX credit score continues to suffer due to XXXX, XXXX, and XXXX 's reckless and negligent actions. I have also repeatedly asked for XXXX, XXXX, and XXXX to send updated XXXX credit scores yet I have not received them and/or they want payment for the XXXX credit scores. The current scores are inaccurate and do not reflect the updates and changes to the credit report that reflect " maximum accuracy '' under 15 USC 1681e ( b ). 
Due to XXXX, XXXX, and XXXX repeated failures, negligence, carelessness, and recklessness to properly care for and safeguard my personal information and credit report, as well as XXXX, XXXX, and XXXX not maintaining maximum accuracy with my credit reports, I have suffered severe financial damage by being denied personal credit and small business credit. I have also had my personal information stolen while my personal information was under the care of XXXX, XXXX, and XXXX, multiple times in the past 8 years. My personal information and credit reports are unsafe yet I am being severely damaged and being discriminated against by continuing to be denied credit because of the inaccurate credit reports supplied by XXXX, XXXX, and XXXX.
Consumer complaint received 2023-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (VA)

Went delinquent on credit card with Navy Federal Credit Union in XXXX. They later sent me a letter through USPS giving 3 options to settled the debt. I chose Option 1 and settled the debt paying balance of {$910.00} with check sent certified mail and check was cashed soon after they received it.I will attach such letter. I am now being sued with a set trial date of XX/XX/XXXX in XXXX XXXX XXXX XXXX XXXX XXXX, by another company that seems to have purchased the debt from Navy Federal Credit Union. I believe this is a violation of Federal Fair and Trade Acts, or some other violations and I beg this to be examined and investigated and cleared as soon as possible. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
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. (NY)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXDEPT OF ED Account XXXX 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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NJ)

I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.