davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (AZ)

My name is XXXX XXXX. I was working with XXXX XXXX to help with my credit report. I want my subscription cancelled and a refund plus all the money i paid towards the company.

I'm not satisfied with the results and I want my refund ( one time fee to start the process ) also all the money back that I used for paying towards XXXX.

Please and thank u.

Social security number:XXXX
Consumer complaint received 2024-03-10
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)

You have committed a Trespass by way of an Invasion of Privacy, Material Misrepresentation, Fraud, Unauthorized Use, Negligence, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and, Texas Business and Commerce Code Sec. 521.051. You are a consumer reporting agency, financial institution, and a nonaffiliated third party, who obtained, used, and furnished my nonpublic personal information, personal identifying information, and identifying information without my consent pursuant to 15 USC 6801, Texas Business and Commerce Code Sec. 521.002, and Texas Penal Code Sec. 32.51. The original creditor did not legally obtain consent to sale, transfer, or disclose any account information with your company, or any other third party as regulated by 15 USC 6802 of the Gramm-Leach-Bliley Act, GLBA. Additionally, the original creditor, failed to provide me with FULL disclosure regarding their intent to do so. Failure to provide FULL disclosure of material information is an unfair method of competition, and unfair and deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.
Consumer complaint received 2023-06-20
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. (MS)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2022-10-20
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: Bull City Financial Solutions, Inc (WV)

XXXX in Accordance with the FCRA this creditor has violated my rights under Section USC 1681 Sections602 i have a right to privacy 15 usc 1681 Section 604 A consumer agency may not report an account with out my written instruction 166B a consumer ca not treat a credit card account as late for any purpose
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are incorrect addresses being reported on my consumer report. 

There should be only one legal name that should be reported on my consumer report. 

There should only be one phone number being reported on my consumer report.
Consumer complaint received 2023-08-04
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. (FL)

I received notification from Experian on XX/XX/23 that they had completed their investigation of a disputed bankruptcy record on my consumer file. Once again, Experian has not provided me the name, address, and phone number of the public record vendor it used to verify the accuracy and completeness of this record so that I may dispute this inaccurate. Experian has already admitted that the courts DO NOT REPORT to credit bureau and that it relies on a " PUBLIC RECORD VENDOR ''. This is a direct and repeated violation of the FCRA. All complaints and evidence will be used against Experian in a federal court if this record is not removed or the vendor information is not released. This will be my final attempt to resolve this issue before it is escalated to an attorney. Please DO NOT send a generic response. I am not requesting the validating of this record ; I am requesting the name of the source used.
Consumer complaint received 2023-09-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (GA)

In XX/XX/2023 American car center closed my loan. Then months later Westlake portfolio management keeps calling emailing sending me letters that I owe them for a vehicle loan. In XXXX I kindly called them and in XXXX mailed them and again in XXXX and now XXXX. To explain I dont have a loan, when American car center went bankrupt they illegally sold them a debt on me. I dont have a car nor loan. I have sent proof over 6 months. Mail withsignatures/email/faxThey call harassing me and my family. They are rude and disrespectful and just nail hard that their system said they have a debt and they want payment! However they refuse to provide any proof of this alleged debt ownership. They are reflecting negatively on my credit. The attachments are the same I have been sending to WPM for six months
Consumer complaint received 2015-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed) (MD)

For approximately a week now I have been receiving phone calls from a company named Concord Resolutions on my residence and work phones. After Googling the number XXXX I saw that his company is trying to scam people alleging that they owe a payday loan ( which I do not ). These people leave and automated voice message with a call back number. When I called back the woman asked me to verify the last XXXX of my social security number which I declined to do. At that point she became irate and cited the Fair Debt Collection Practice Act prevented her to give me any information as to why she was calling. I told her that the only information that I would confirm is my name and nothing else. At which point she became irate and hung up on me. These calls are becoming annoying. I feel that I am being harassed.
Consumer complaint received 2023-09-16
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. (MI)

These inquiries were added to my account without my consent. I mailed the credit reporting companies and have yet to receive a response and its be 40 days as of today. 

XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$53000.00}.
Consumer complaint received 2022-10-20
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. (SC)

The uncertain accounts listed below continue to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the credit bureau on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} ; XXXX  XXXX Balance Owed : {$19000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4000.00}
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank, has unfair and abusive terms to it credit ( a ) They took over several of my account over and double charged for interest. 
several of my cards went from 10 and 15 % to now 26 and 29 % They abuse the practice by charging very high interest rates to high-risk borrowers like me so that I wold likely to default on the loan.

( b ) they change the terms and condition of the loan ( XXXX  ), we had been sending money to an inmate, now they want to charge fees, Date of Transaction XX/XX/2020 XXXX XXXX Sent Amount {$30.00} they stated they charged {$5.00} but we have used the same care just several months ago - and was not charged, they change their terms when every they fill like it -hides or misrepresents the true costs, risks and/or appropriateness of a credit card terms, or changes the credit terms after the initial offer. I used pay pal and made and made and ordered. This company refuses to release the order or payment. XX/XX/XXXX, I ordered items and it was cancel by Paypal. But the amount is still be held up - THEY refused to release the funds after the order was cancel and it still a pending charge on the account.Thanks for your order at XXXX XXXX. Money won't leave your account until XXXX 's processes your order. 
( B ) Thanks for using PayPal. To see the full transaction details, log in to your PayPal account. Keep in mind, it may take a few moments for this transaction to appear.ORDER WAS CANCEL - as of today, it is still pending on the Master Card account. 
( C ) The Bank encourages me to borrower and to refinance an existing loan into a larger one with a higher interest rate and additional fees. 
( D ) XXXX stated that he and Everyone in the neighborhood is charged higher rates to borrow money, regardless of credit history, income or ability to repay ( tape recorded ) This Bank has adds language to my credit card contract making it illegal for a credit card holder to take future legal action for fraud or misrepresentation. The only option, t is arbitration, which generally puts the borrower at a disadvantage or for them to close your account as XXXX stated in a loud voice on XX/XX/2020Call Notify from.. 

This Bank is a Predatory credit card holder that imposes unfair or abusive loan terms on the credit card holder. It is also any practice that convinces a XXXX XXXX holder to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for encouraging me to transfer other account to the card for pay off. Then up the rates.
Consumer complaint received 2024-01-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AZ)

I applied and was approved for the American Express Hilton Aspire card. They had advertised XXXX bonus points once approved with a minimum spend. 

After I reached the minimum spend and was not compensated I messaged them. They said I was not eligible for it ( they did not disclose this after I was approved ) Extremely misleading especially for a card with such a high annual fee. I had never applied for this card before and have received a bonus from another American express card but it was the platinum card.
Consumer complaint received 2018-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I have been paying on my federal student loans that are serviced through Navient. I have been set up on automatic payments for at least the last 2 years. In XX/XX/2018 I enrolled in a 4 credit course through XXXX County XXXX XXXX as part of an employer requirement for a job promotion. During that time I pay for the course out of pocket and assumed I was paying my student loans as I always have. Months later I realized that my payments were not being withdrawn and was only notified when I received an email stating that my loans were in forebearance, of which I never agreed to. I am not schedule to begin making payments again and realized that I have accrued additional interest due to the loans being in forbearance that I had never authorized in the first place. I find the tactics used by the company to be misleading and unlawful.
Consumer complaint received 2018-04-19
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. (AR)

This collection is reporting on my credit report and it is incorrect. I have tried to fix it with Experian multiple times and they have still not corrected it. This item is reporting as a revolving trade line that is affecting more of my credit than normal. I have attached a screen shot explaining that this is coded as XXXX XXXX, which is completely incorrect.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : -, XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  Bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2018-04-19
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. (CA)

I have several medical bills from XXXX XXXX hospital which are in collection with XXXX XXXX XXXX. I have no medical issues, ive never been to this hospital and tjis bills are on my credit. I have dispuyed them several times along with a utility bill and several inquires on my credit that are UNAUTHORIZED by me. The credit bueraus always return the dispute VERFIED but i dont know who or where they are verifying this belongs to me.
Consumer complaint received 2023-11-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
Consumer complaint received 2020-12-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I noticed some inaccurate information when I pulled my credit and sent a letter to the credit bureaus Equifax, XXXX, and XXXX this information they are reporting inaccurate is preventing creditor from giving me rates I deserve. I know a little about the FCRA and it stated that unverifiable or inaccurate information must be investigated within 30days or must be removed. These companies are in violation of the Fair Reporting Act
Consumer complaint received 2023-06-03
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. (LA)

I disputed inaccurate and fraudulent accounts on my credit report and no reasonable investigation or action was taken to remove those accounts Accounts To Remove : XXXX. XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX Late Payments to Update : XXXX. XXXX XXXX
Consumer complaint received 2022-10-20
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. (SC)

The uncertain accounts listed below continue to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the credit bureau on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance Owed : {$610.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$19000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4000.00}
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-06-03
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. (CA)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (TX)

I was reviewing my credit report and I see XXXX accounts from World Finance. The most recent one has a reference number of XXXX. The account is charged off/closed and this company does not exist! I ask that you please investigate this because it is effecting me negatively on my credit.