davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Premier Auto Credit (CA)

XX/XX/year> my car loan was sold to another company when I received the information through email only I wasnt aware there was a charge on this new company. I sent a letter and asked this company if they were now going to be my new loan company by law after asking an attorney, they needed to submit a new contract with their business name. They did not. They have refused to give me a new contract or a contract with their business name. They keep sending me the old company, which no longer exist, they also sent me a letter stating that my next car payment was going to be due on XX/XX/XXXX then I get a call that Im late to car payments after making my payment on XX/XX/XXXX and I have the letter they sent me I tried to resolve this many times, and Was not successful. They have contacted me XXXX times when they have a cease-and-desist letter asking them any information or correspondence be done through mail not through email not through phone calls. Ive asked him to an email yesterday not to be calling me. I had XXXX calls today and all hours not only have they violated my consumer rights, I believe theyre nervous because I have indicated through email I was going to report them to all federal agencies and if necessary go forward with litigation
Consumer complaint received 2023-06-06
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 — Problem with personal statement of dispute
Company: Credit Karma (WI)

Credit Karma has a Karma guarantee that if I apply for certain credit cards and I'm denied I would get XXXX dollars. I applied for the XXXX XXXX and I was denied and XXXX XXXX is refusing to issue the XXXX dollars as promised and advertised. On XX/XX/2023 There was a Karma guarantee next to XXXX Credit card. Today XX/XX/2023 the guarantee is gone. I applied for the card and took a hit on my credit and they did not honor the guarantee.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (MO)

Good Morning, Request for Removal of Late Payment History from Credit Report I hope this letter finds you well. I am writing to address a matter concerning the late payment history on my credit report with all credit reporting agencies. I recently obtained a copy of my credit report and noticed that there are late payments reported for the account with your company. 

I understand and take full responsibility for the late payments, and I appreciate your assistance in resolving this matter. I am writing to kindly request the removal of the late payment history from my credit report. My account since has been paid off, but I have since taken steps to improve financial management to resolved the issue. 

I understand the importance of maintaining a positive credit history, and I am committed to ensuring timely payments moving forward. Removing the late payment history would greatly improve my credit score and enable me to meet my financial goals. 

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this issue and maintaining the accuracy of my credit report.
Consumer complaint received 2024-03-30
Product: Credit reporting 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)

I am writing to dispute the inaccuracies present in my credit report concerning the account held by XXXX XXXX XXXX, Account Number XXXX. According to my recent credit report, there are discrepancies that require immediate attention. 

Upon thorough review of the reported information, I have found that XXXX XXXX XXXX has failed to provide adequate documentation validating the existence of a contractual agreement between us. As per the Fair Credit Reporting Act ( FCRA ), consumers are entitled to verification of any debts reported on their credit file. To date, XXXX XXXX XXXX has not furnished any evidence substantiating their claim. 

Furthermore, the inaccurate reporting by XXXX XXXX XXXX is adversely affecting my creditworthiness and causing undue financial strain. I request that XXXX XXXX XXXX promptly cease reporting this disputed account to all credit reporting agencies until such time that sufficient proof of the alleged debt can be provide. 

I also kindly request your immediate investigation into this matter and investigate the inaccuracies and inconsistencies XXXX XXXX XXXX has been reporting different information to the credit bureaus which is illegal. After the investigation I kindly request the removal of any negative reporting associated with the disputed account from my credit report. Additionally, I expect XXXX XXXX XXXX to provide me with the documentation verifying the validity of the debt in question with the legally mandated timeframe. 

Please consider this letter as a formal dispute under the FCRA, and I anticipate your prompt resolution of this matter.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

I always get charged an over draft fee or random fees, but I always have the exact amount that needs to be withdrawn and I still get fees I've talked to Wells Fargo but they always tell me sorry there is nothing I can do and I'm always stuck pay fees
Consumer complaint received 2022-11-17
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)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

in accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 a states i have the right to privacy.

15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MRS BPO, LLC (MO)

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company Mrs BPO LLC XXXX XXXX XXXX XXXX. 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX and XXXX  are continuing to report inaccurate information. According to the FDCPA and the FCRA, all accounts are supposed to report accurately and attached you can see they are all reporting differently.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc (IL)

For the last two years my account has been hacked and funds taken out by various companies, all except one I have never heard of. I have detailed each charge and dates in the attached documents upload as they are too numerous to list here. These charges started in XXXX and continued until recently in XXXX ( XXXX ). I had not realized these charges were being taken out until I started tracking my account activity after the latest disputed charge and even one dispute at the beginning of XXXX that also caught my attention and I disputed it and it was denied. What made this denial incredible is my dispute on this same merchant was upheld a few month before in XXXX. Whenever I see a charge I don't recognize I report it and file a dispute and the bank is supposed to investigate it but I have little confidence with the lack of time that was spent investigating these several charges that it was thorough and complete. I even had 3 companies refund charges to me as much as they could because they realized the charges were false and said the bank would have to do the rest of the refunds by contacting them but the bank didn't recognize that as proof either and denied some of the disputes and didn't recognize the or address the others. All is documented and presented to you for your review.
Consumer complaint received 2023-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, XXXX, and XXXX and have noted following discrepancies : Amerifinancial solutions Date open : XX/XX/2022 {$1400.00} XXXX Amerifinancial solutions Date open : XX/XX/2022 {$970.00} XXXX Amerifinancial solutions Date open : XX/XX/2022 {$510.00} XXXX I have attached copies of the supporting documents which show that these items are inaccurate [ and explain why each document supports the dispute ]. 

Please provide me with written confirmation of the disputed items when the investigation is complete. This includes any changes to my credit report that have been made in response to this dispute.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

I am a victim of identity theft, with my name and personal information being unlawfully used. Unauthorized transactions and inaccuracies on my credit reports compromise my financial security and reputation. Urgent action is needed to investigate and rectify these issues, safeguarding my rights and restoring my financial standing. Unauthorized accounts have been opened using my personal information.
Consumer complaint received 2023-12-05
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

For the past XXXX months, Synchrony Bank holder of the XXXX credit card has been charging me interest despite the fact that Ive been paying my new balance in full. 

I have a promotional balance thats on deferred interest. I auto pay $ XXXX mo to cover that purchase. 

I then paid an additional $ XXXX month to cover the new charges on my card that are slightly under the {$45.00}. 

I have to call XXXX every month to have my auto pay reallocated to the promotion. 
When they do this, they put generic charges on my card and then credit them. However, because the reallocation is done in that manner, its always wrong and XXXX charged interest and I have to fight with them to have the fee reversed. 

In XXXX, I had a {$20.00} charge and the payment was due in XXXX. I called to make the payment and ask to have the {$65.00} reallocated. I was told I had to pay {$95.00} to ensure that I was not charged interest in XXXX ( On my XXXX XXXX ). 

I told them that I did not make $ XXXX of new payments so I did not have to pay $ XXXX on top of the {$65.00} of auto pay that they already took. 

I was told that in order to avoid interest, I had to pay that. I refused!! I only made a new purchase of $ XXXX and that I was not going to pay $ XXXX on top of the {$65.00} that they already have. 

They are purposely charging interest that is not owed. And then there is a fight to get it reversed. 

They need to stop stealing from the consumer!!
Consumer complaint received 2023-12-27
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: EQUIFAX, INC. (TX)

For more than a year now XXXX has been reporting a wrong credit score on my Credit Karma profile. My score is being reporting over XXXX points wrong there and its cause me to be denied credit as well as receiving very high interest rates or very low limits if approved for anything at all. This has been going on for way too long and its really hurting and affecting my livelihood. On the XXXX site it shows a more accurate score but not across this other platform. Its also reporting a derogatory statement which is a collection that only shows on Credit Karma and doesnt even show on the actual XXXX XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-12-19
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: SANTANDER HOLDINGS USA, INC. (FL)

I had XXXX credit cards opened in my name that I did not know of, this is affecting my credit report because it is incorrect information that is being used. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone bought a car under my name and there was lots of inquiries under my credit report now I have invalid debt on my report showing XX/XX/2021 2021
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

EXPERIAN HAVE NOT VERIFIED NONE OF THE QUESTION I ASK NOR DID THEY ANSWER ANY OF MY CERTIFIED MAIL. I SENT OUT ON DATES XXXX/XXXX/XXXX NOR XX/XX/XXXX AND XXXX AND XXXX XX/XX/XXXX AND XXXX SO I GUESS EXPERIAN REFUSED AND TOLD ME IN A LETTER THAT I WILL GIVE U STATED WHEN HAVEN T DONE NO INVESTIGATION AT ALL. REASON NO ID AND NO SS CARD WAS SENT IN. I HAD TO LAUGH AT THAT I CAN RECALL EVER TIME I SEND MY LETTER IN WITH FULL COLOR ID AND SOCIAL SECURITY CARD. HERE ARE MANY LETTER THAT EXPERIAN TOLD ME IN A LETTER WHAT I SENT AND ALL MY STUFF IS DATE. 

EXPERIAN DO ALOT OF FAKE VERIFICATION PROCESS THEY NEVER PICK UP A TELEPHONE AND CALL NOBODY AND ASK THE PROPER QUESTION AT ALL. THIS IS AMAZING. 

THIS ONE ACCOUNT NAME XXXX XXXX XXXX  # XXXX SHOW AT LIST OF INACCURATE INFORMATIOM 1. DATE OPEN SAY ON EXPERIAN XXXX XXXX THATS WRONG XXXX  SHOWS DELETED XX/XX/XXXX AND EQUIFAX SHOW DELETED XX/XX/XXXX 2. EXPERIAN HIGH BALANCE SHOW {$2100.00} XXXX HIGH BALANCE SHOW DELETED AND XXXX HIGH BALANCE SHOW DELETED 3. EXPERIAN CREDIT LIMIT SHOW {$300.00} WHEN XXXX SHOW DELETED AND XXXX  SHOW DELETED .. 


I DON ; T KNOW HOW IS THIS COMPANY PUT FAKE AND UNVERIFIED ACCOUNT ON MY CREDIT REPORT EXPERIAN NEEDS TO BE FINE {$250000.00} TODAY FOR MAKE UP A ACCOUNT FOR CUSTOMERS AND SELLING MY INFORMATION TO A THIRD PARTY SITE .. BECAUSE OF EXPERIAN DATA BREACH
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

There's a XXXX Account that I didn't not open or ever have service with and Credence Resource Management has placed a fraudulent and unverifiable debt of {$650.00} on my Credit Report claiming the account was opened XX/XX/2023.
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

This misinformation is not only damaging my credit score but is also causing undue stress and potential harm to my financial future. There are bunch of inaccurate information pestering on my credit report that were unacceptable.I am writing to express my extreme frustration and anger regarding the inaccurate information on my credit report, specifically the erroneous reporting of the accounts that is adversely affecting my creditworthiness. This situation not only jeopardizes my financial well-being but also raises serious concerns about potential identity theft. 
XXXX XXXX XXXX XXXX XXXX - THE DATE REPORTED IS INACCURATE, ERRONEOUS OR INCOMPLETE. PLEASE REMOVE!! 
XXXX XXXX XXXX XXXX XXXX - THE DATE REPORTED IS INACCURATE, ERRONEOUS OR INCOMPLETE. PLEASE REMOVE!! 
XXXX XXXX XXXX - THE DATE REPORTED IS INACCURATE, ERRONEOUS OR INCOMPLETE. PLEASE REMOVE!! 
XXXX XXXX XXXXXXXX - THE DATE REPORTED IS INACCURATE, ERRONEOUS OR INCOMPLETE. PLEASE REMOVE!! 
XXXX XXXX XXXX XXXX- THE DATE REPORTED IS INACCURATE, ERRONEOUS OR INCOMPLETE. PLEASE REMOVE!! 
XXXX XXXX XXXX XXXXXXXX - THE DATE REPORTED IS INACCURATE, ERRONEOUS OR INCOMPLETE. PLEASE REMOVE!!! 
XXXX XXXX, XXXX XXXX THIS IS FRAUD, PLEASE REMOVE!!! 
I demand an immediate and thorough investigation into the origin of this false and inaccurate information on my credit report. It is imperative that your bureau takes swift action to rectify this error and delete the inaccurate information entries from my credit history. The gravity of this situation can not be overstated, as it not only tarnishes my financial standing but also poses a serious threat to my identity. 
The inaccurate reporting of erroneous and incomplete information is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also an unacceptable breach of trust. 
The bankruptcy that is being reported to my credit report is inaccurate. The case that youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 
Please see this account is removed from my file at once. 
XXXX  XXXX XXXX  XXXX  Reference : XXXX - PLEASE REMOVE!!! 
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX PLEASE REMOVE!!! 
XXXX XXXXXXXX XXXX PLEASE REMOVE!!! 
XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE!!! 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX PLEASE REMOVE!!! 
XXXX XXXX XX/XX/2022 PLEASE REMOVE!!! 
XXXX XXXX XXXXXX/XX/2022 PLEASE REMOVE!!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-05
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: Navient Solutions, LLC. (CA)

Navient continues to report a false account to my credit bureau. They claim I owed them and was late and that my account was past due. I have never had an account with them and asked. For any and all signed documents or supplemental loan check copies that they rate I borrowed. They we unable to provide this.
Consumer complaint received 2023-08-02
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)

kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.