davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (MS)

Collection agency reported on credit report and called via phone stating I owe a debt I have no knowledge of. Stated several times I dont know them and I dont owe a debt to the any mobile company. Requested the agreements do do business with the collection agency showing wet signatures and havent received anything. Disputed via XXXX and it states verified but still not one document received or any additional info from the collection agency reference the account or from experian. Debt appeared in credit report XX/XX/2023 and Ive been disputing since. Even the original creditor listed on my credit profile had changed. Theres no phone number listed to call. And I have no knowledge of this agency stating I owe them a debt!
Consumer complaint received 2023-06-04
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: LEXISNEXIS (VA)

Hi, when reviewing a copy of my LexisNexis report, I noticed some inaccuracies. I reported these 2 errors to LexisNexis as a dispute on XX/XX/XXXX case # : XXXX. They requested further documents which I sent on XX/XX/XXXX via email is regards to the new case # : XXXX. They requested additional information which I sent in on XX/XX/XXXX case # : XXXX. I have now received a letter dated XX/XX/XXXX stating they are unable to locate the data. I have already sent them the exact pages that it is listed in my report, pages XXXX on my XX/XX/XXXX produced report and I included a copy of those pages in my response. This information is XX/XX/XXXX and XX/XX/XXXX and needs to be removed from my report. They have listed 2 different auto insurance claims to me which are completely unrelated to me and don't even have my name attached to to them, they list a XXXX XXXX, but that isn't my name and cars listed that I have never owned in a state I have never visited.
Consumer complaint received 2023-06-19
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account 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.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NJ)

A fraudulent address was added to my credit file by Lowes. I live in XXXX and the address added to my file was in XXXX. The credit reporting agencies said they can not remove the address and to contact Lowes. Lowes has not removed the fraudulent address nor responded to my request.
Consumer complaint received 2023-06-19
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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.
Consumer complaint received 2023-12-19
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. (FL)

This is my MULTIPLE COMPLAINTS, there are still innacurate information and unauthorized inquiries in my CREDIT REPORT ... that need to be fixed, OR deleted. I thus ask that all of the false information listed in my credit file be corrected, and DELETED right now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2023, I was online looking for a private money lender that could refinance my rental property. I came across a company called XXXX XXXX located on XXXX XXXX XXXX, XXXX, VA XXXX. I was told to make a down payment of {$7500.00} for a XXXX loan. I did the wire transfer of {$3500.00} and XXXX transfer of {$4000.00} but up to now, I have not received any funds. I reached out to my bank Truist, but they are not assisting me. 

Bank information where I sent the money. 
Bank Name : XXXXXXXX XXXX Account number : XXXX Routing : XXXX
Consumer complaint received 2023-05-25
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. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX5 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
Consumer complaint received 2023-06-02
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: AFNI INC. (FL)

I am sending this comnplaint on my behalf. I looked at my credit record and it contains unauthorized item. They have not responded to the letters since I sent themover 30 days ago and they neglected to get back with me with sufficient validation. Please help me regarding this matter. I'm seeking litigation!!.,
Consumer complaint received 2023-06-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (OH)

When I applied for the loan I didnt know insurances on the loan were cancellable, nor was it explained that the insurance on the loans would bear interest. It was not explained to me that using my car as collateral ( their appraisal ) would not be applied to the non-payment possession, only what they can sell the car for could/can be applied to the loan and I will still be responsible for the remainder. I would not have used my car as collateral if I had known this.
Consumer complaint received 2023-06-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc. (AZ)

I paid this account off BEFORE due dates each month and they continue to report it late on my credit report violating many FCRA laws. I paid the loan entirely off last month and just received another 30 days late on XX/XX/23 when the loan was PAID IN FULL BEFORE THAT DATE! I have disputed this and nothing changes. Not to mention they have been calling/sending me text messages attempting to collect on a balance that was NOT past due. I requested them to stop contacting me in writing about the remaining ( last ) payment of {$280.00} and it would be paid before the due date and even after requesting them to stop contacting me they continued to do so calling several times at once. I would never purchase anything from this company ever again based on these practices.
Consumer complaint received 2022-12-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (CA)

I received a car loan from Wells Fargo. They said I didnt pay my car payment and I didnt have insurance when I actually did. They were charging my loan every month for over 3 years their car insurance price to my loan. Doing so I couldnt figure out why I wasnt ever caught up and current on my car payments.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently experienced my identity being stolen and these inquiries are a result XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-04
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: Early Warning Services, LLC (OH)

I have been notifying Early Warning Services since last year that I am victim of identity theft. I have sent numerous of disputes, Ive contacted the Federal Trade Commission and created multiple reports outlining the details of the identity theft and fraud pertaining to the XXXX account information being reported on my consumer report. I have provided multiple police reports explaining how I am a victim of identity theft. I have provided these same documents to XXXXXXXX XXXX. Regions responded to my CFPB complaint on XX/XX/2023 that they have investigated that I am a victim of potential fraud, which I have attached to this complaint. Early Warning has sent me several letters ensuring me that this informs has been blocked and deleted, which I have also attached to this letter. On XX/XX/2023 I received a email stating that they have reinserted the XXXX account to my consumer report!! WHY???? Early Warning keeps persistently violating my rights as a consumer pursuant to the FCRA. Ive taken every step to recover from this horrible financial difficulty. Early Warning is making my life even more difficult by being unfair and unjust by not following the proper protocols of the law. Early Warning services has a duty to uphold to ensure my information is accurate and complete pursuant to 15 U.S Code 1681c-2. Early Warning has not provided me with any proof that this information should be reinserted. Regions responded that I am a victim of fraud so why did Early Warning Services reinsert Regions account. Early Warning has not sent any updated consumer reports reflecting their decisions. I am in the process of starting legal processes which will result to small claims action against your company for your willful noncompliance to correct this issue and Early Warning will be held liable! I will be seeking {$5000.00} in damages for XXXX. ) Defamation, XXXX. ) Negligent Enablement of Identity theft and XXXX. ) Violation of the Fair Credit Reporting Act! I have accounts that have been frozen and closed due to your company being non compliant. I have been in touch with my attorney general for help with this because Im not getting any help from a company who states that they comply with the provisions of the Fair Credit Reporting Act.
Consumer complaint received 2021-05-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I reviewed a current copy of my credit report and show inaccruate information listed. Account name U S DEPT OF EDXXXX Account number XXXX is showing listed as a chargeoff and reporting an open balance in the amount of {$11000.00} which and open balance I understand due to chargeoff is a direct violation of FDCPA XXXX I have dispute this acocunt on a number times with no reply and it has been over 60 days which is a violation of FCRA.
Consumer complaint received 2024-03-08
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: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX -- - AFFIDAVIT I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, and reachable at XXXX, do hereby declare and affirm the following under the penalties of perjury : XXXX. I am the affiant in this matter and have personal knowledge of the facts stated herein. 

XXXX. I assert that fraudulent XXXX XXXX XXXX and XXXX accounts have been erroneously linked to my credit profile, and I categorically deny authorizing or owning any such accounts. 

XXXX. I have diligently pursued resolution through official channels and have filed an FTC Identity Theft complaint under reference # XXXX. Additionally, I have submitted numerous complaints to the Consumer Financial Protection Bureau ( CFPB ), all of which confirm my non-authorization of the aforementioned accounts. 

XXXX. It is crucial to note that the said accounts, identified as XXXX XXXX # XXXX and # XXXX, were previously deleted from my credit profile, further supporting the acknowledgment of their fraudulent nature. 

In light of the above, I hereby affirm the veracity of the contents of this affidavit to the best of my knowledge and belief. 

Executed on this XXXX day of XXXX, 2024. 

__________________________ XXXX XXXX -- - Both accounts were previously deleted by Experian, then reappeared. 
XXXX  XXXX Dispute # XXXX / XXXX. 
These are not my accounts please re-delete.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am writing to submit a formal complaint against Equifax located in XXXX, GA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2023-12-19
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

in XX/XX/XXXX my local XXXX XXXX advised me to open a credit line of {$15000.00} to pay for my XXXX XXXX, contract is 0 % for 2 year if paid in full. I agreed, appllied got approved, and set up auto pay for $ XXXX, 2 years gone by, XX/XX/XXXX I logged in and see my balance is over $ XXXX still. called in and learned that an add on service called " card security '' was siphoning $ XXXX off my {$660.00} payments. causing my account not paid in full in 2 years and in the fine print i would get charged interest all the way back to the beginning. But I never authorized the card security add on, itis one of their own serivce, my bank statement always shows I paid Synchrony, not card security so I was in the dark the whole time. I looked on line and there were conntless of people got trapped by this unethical practice by Synchrony and they were sued back in XXXX for this exact practice. They refuded {$1400.00} worth of 1 year card security payment back into my total outstanding balance but bottom line I still owe over $ XXXX. I have turned off auto pay and this credit account will default
Consumer complaint received 2023-06-19
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. 

The letters are stated with items and issues. 

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 2021-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TN)

midland credit management XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX is constantly bugging me repeatedly on credit card debt been informed that i am XXXX had XXXX on government XXXX can not pay files previous complaints about this on XXXX  they refuse to stop collections i will sue myself if nothing done
Consumer complaint received 2024-03-08
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMSin my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I recently took out a personal loan, through XXXX XXXX XXXX XXXX, to consolidate Credit Card debt. This complaint is NOT against XXXX XXXX XXXX XXXX. It is solely against USAA. 

On XX/XX/XXXX, two payoff checks were sent to USAA to pay off the balances on the two credit card accounts below, as is detailed in the loan agreement attached. 

Rate Advantage Platinum Visa Account Number XXXX XXXX XXXX XXXX Signature Visa Account Number XXXX XXXX XXXX XXXX Despite repeated efforts to request USAA process the payoff and/or investigate as to where the funds were delivered and why they were not applied to pay off the balance, including the recent chat transcript attached below, USAA continued to willfully assess interest charges on both accounts ( summarized below ). 


Rate Advantage Platinum Visa XX/XX/XXXX, XXXX XXXX, 2023 Interest On Cash Advances Finance Charge - {$61.00} XX/XX/XXXX, XXXX XXXX, 2023 Interest on Purchases Finance Charge - {$130.00} Signature Visa XX/XX/XXXX, XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX XXXX - {$30.00} XX/XX/XXXX, XXXX XXXX, 2023 Interest on Purchases Finance Charge - {$86.00} XX/XX/XXXX, XXXX XXXX, 2023 Late Charge Fees & Charges - {$25.00}
Consumer complaint received 2023-06-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

FAIR COLLECTIONS & OUTSOURCING CONTACTED MY WORK PLACE THAT MY CREDIT WOULD BE RUINED. XXXX IS THE FIRTS TIME I EVER HEARD OF THIS COMPANY. THE NEVER SENT ME A LETTER NOTIFYING THAT THEY WOULD BE REPORTING ON MY PERSONAL REPORT. THIS IS A VIOLATION OF MY RIGHTS. HOW CAN THEY USE MY SOCIAL SECURITY NUMBER CONTACT MY JOB ABOUT SOMETHING I KNOW NOTHING ABOUT. I AM SUFFERING FROM XXXX IN THE MILITARY AND THIS HAS STOPPED MY GRADLOAN TO COMPLETE SCHOOL.