davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (IA)

Equifax has been reporting some inaccurate inquiries on my credit file that have been hindering me, ive reached out to them multiple times and don't see where I was responded back to the previous time.
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (SC)

XXXX XXXX XXXX XXXX  XXXX XXXX  card Chase bank account All three of these credit cards and chase bank were used and stolen and accessed without my consent or knowledge I was in the hospital for three months with XXXX  and Im still not sure who took my purse and got all of My information but it has destroyed me completely. Please help .. thank you.
Consumer complaint received 2023-02-12
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. (PA)

On XX/XX/XXXX I a consumer, After discovering an obscene number of errors on my consumer report contacted Experian to dispute these errors and to validate all accounts from all furnishers with documentation. I sent in my evidence for how these accounts and their reports from the furnishers were all inaccurate due to fradulent contracts. 
After the reinvestigation the agency sent me the results with nothing on the report changed. The reports/claims from the furnishers did not include any documentation to validate the furnishers claims and if so they were not received at my request from Experian. After my attempts I went over my credit report once again to discover over 50+ errors on my credit report, some I had not found prior to the dispute. I wrote an affidavit of truth and notice of intent to sue since Experian has clearly revealed they can not report correctly and accurately on my credit reports, continue to add transactions and interactions with the furnishers, and all full account numbers for these reports as well as the dates opened are not correct. Their reports are unfairly doing me harm as a consumer and are defaming my character. 
In the notice of intent to sue I referenced all violations they are committing against me and what is to be done to cure the situation. I have been met with no communication since sending the notice of intent to sue via registered mail to the agency in XXXX and I am getting ready to move forward in US district court if no resolution is offered to me including the deletion of the accounts with these inaccuracies and compensation for the emotional and financial damages I have suffered from their 50+ violations.
Consumer complaint received 2023-07-10
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. (KS)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (VA)

On XX/XX/2021 I canceled our XXXX XXXX account and switched to another carrier due to : contract was expired, XXXX breached our contract, and by making changes to our plan that was done without our approval or notification and absolutely horrible customer service. I made a final payment in XX/XX/2021. 
XXXX continued to charge my Wife 's XXXX XXXX on the following date : XX/XX/2021 for {$260.00} XX/XX/2021 for {$260.00} XX/XX/2021 for {$260.00} XX/XX/2021 for {$26000.00} On XX/XX/2021, I spoke with a XXXX representative name XXXX, pronounced " XXXX. '' He was very professional and courteous. After gathering my information and researching our situation, he was able to credit the above fraudulent charges back to my Wife 's XXXX XXXX. I have copies of my Wife 's credit card statement showing the charges were removed and XXXX added them back to my Wife 's card. 
I have received numerous harassing phone calls at home and at work. XXXX then turned over the above amounts that included penalties and interest to multiple collection agencies.
Consumer complaint received 2023-07-10
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MD)

Based on information and belief, this not my debt. I have requested over and over for verification of the alleged debt. They have never sent me the verification because they keep changing the Collection Agency. Now they continue to call and make threats to me
Consumer complaint received 2024-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (GA)

On the XX/XX/XXXX I received a notification from XXXX that I have a new negative collection on my credit report from PARAMOUNT RECOVERY SYS for {$1200.00} with the original creditor being XXXX XXXX XXXX XXXX. I've never done business with any of the companies listed above nor have I ever heard of them. I have never entered into any contractual agreement with PARAMOUNT RECOVERY SYS nor was I contacted in any way, shape or form about this collections bill of {$1200.00}. I have received no paper mail, no phone call, and no emails with regards to this collection and only found out about it when it was placed on my credit report as an owed debt. Upon checking into this collection, it was soon realized that this collection is due to fall off my credit report in XX/XX/XXXX which suggests that this collection would be at least 6 years of age. 
I then contacted PARAMOUNT RECOVERY SYS to gain validation of the debt and to find out why now, after 6 years is this debt is being placed on my credit report. I spoke to XXXX which insisted that by federal law I need to provide PARAMOUNT RECOVERY SYS with my personal information so they can go ahead and validate my debt. I immediately interpreted this exchange as a possible case of a scam or identity theft and went ahead to contact XXXX about this matter.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (IN)

I began suspecting there was an issue when I started receiving random weird letters stating that I owed money for items that I have no recollection of making purchase. I began to do research to figure out what the issue was and resolution to this problem would be which led me to file a report
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} I have been trying to get in touch with these companies it has been unsuccessful.
Consumer complaint received 2017-04-05
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (AL)

There 's a credit acceptance company reporting on my credit reports and it is not mines and was fraudulently opened it is dating back to year 2013. This is not mines and I 've even tried to contact the company but there 's nothing they can do about it she told me it was for a car purchased at we finance auto sales in XXXX Alabama and that car lot is closed now and has been for almost 3 years to date. So who 's responsible for a loan being took out from a fraudulent car dealership. I do n't owe this company anything because this is n't my debt I have a fraud alert on my account just for this purpose after I saw it on my credit
Consumer complaint received 2023-01-18
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. (FL)

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 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 2023-07-10
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. (MS)

XXXX XXXX XXXX has a charge off account of XXXX this is not my account it was open fraudulent under my name an it should be removed it's not my account it's fraud
Consumer complaint received 2017-07-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jonathan C. Frank & Associates, LLC (TN)

i have told these ppl time after time that i can not pay. if you are n't working ... .you ca n't pay. it 's not that I 'm trying not to pay i just ca n't and do n't know want to do.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (NY)

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-08-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (UT)

I took out this loan for $ XXXX from Sallie Mae in XX/XX/XXXX to pay for prerequisite classes for a graduate program, I was working full time and on the loan selected interest only repayment. 

In XX/XX/XXXX I began an intensive 28 month graduate program ( Physician assistant studies ) this includes 14 months of didactic learning and 14 months of clinical rotations. I requested deferment of this loan and waited the allotted period to hear back from SallieMae, communicating with them on multiple occasions. A representative at SallieMae told me to NOT PAY THE LOAN as they were considering deferment, then to my surprise after 2-3 months, I heard back from them that I was late on payments and the loan would be turned over to collections, all this time thinking I was being considered for deferment. 

I began trying to pay the necessary monthly payment at that time, however I currently do not have income as my graduate program requires us to not work, I am paying out of state tuition and receiving coverage of my living expenses via GRAD PLUS loans, which do not account for some necessary expenses such as car or health insurance. I have made multiple calls to SallieMae requesting alternative payment options, payment reduction, any options on deferment due to special circumstances, etc. My last conversation on Monday XX/XX/XXXX the agent at Sallie Mae explained I had no options to reduce payments or alternative payment plans, they suggested I find someone to help me pay the loan. I do not have friends or family available to help pay the loan or to cosign on a refinancing option for the loan. I am hoping to get help resolving this as I do not want the loan to go to collections.
Consumer complaint received 2017-05-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc. (WA)

I 've received  two calls, one o n Thursday   XXXX   XXXX   at   XXXX   XXXX   and  one t oday    XXXX   XXXX    at   XXXX   XXXX  . Both times they left a voicemail saying, " We have an important message from   XXXX   XXXX   XXXX   this is a call from a debt collector please call  XXXX . '' I have no debts. This is a scam
Consumer complaint received 2023-08-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Cascade CISS Holdings, LLC (VA)

On XXXX XXXX I applied for a personal loan through a company called Universal Credit. The loan was supposed to be used to help pay off some medical bills. The initial contact went well. I felt like I had an agent that represented the agency well until it was time for them to deposit the {$5000.00} check I had been approved for. The next day I had a different agent that had a XXXX  XXXX  accent he began reviewing my account and then stated I should receive the funds by XXXX. I then began asking how they would send the money if I hadnt signed paperwork and the agent transferred me to a supervisor named XXXX XXXX who then began telling me to download text free apps and any-desk which i found to be a hacking app. They then began depositing money into my account yet my bank placed a hold on it and when invoices that complaint they stated i would have to pay taxes to the ftc by simply going to XXXX and scanning a code. When XXXX failed they would say get XXXX  cards. When that wouldnt work and I eventually got tired of the run around they had someone call me claiming to be an officer XXXX XXXX from the county sheriffs department. The money was never deposited into my account and was ready for me to use. Between the XXXX and XXXX of XXXX this company deposited 6 fraudulent checks with incorrect dates and allotments. Now XXXX XXXX more in debt. Rent is due and i literally have no money. 
The phone numbers used for me are XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX The emails they used were XXXX XXXX XX/XX/23. {$990.00} XX/XX/23 {$990.00} XX/XX/23 {$2900.00} XX/XX/23 {$2900.00} XX/XX/23 {$2400.00} XX/XX/23 {$2400.00}
Consumer complaint received 2017-07-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I was not notified that my student loans were due back, and it has now affected my credit greatly. These loans are low balances that I have no problem paying back, but I would like to discuss a possible dispute with payment? My credit score that I 've worked very long for has dropped over  XXXX  points because of something preventable. Thank you
Consumer complaint received 2023-01-18
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-03
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. (CT)

XXXX XXXX XXXX and XXXX XXXX XXXX is reporting fraudulent accounts on my credit file I have never entered into a credit transaction with either person XXXX Therefore reporting these accounts as a tradeline is a violation of XXXX XXXX XXXX the information furnished to my credit file is misleading it appears that I entered into a credit transaction with XXXX XXXX XXXX and XXXX XXXX XXXX. Also reporting these fraudulent tradelines to my credit file with extortionate intentions to blackmail, abuse, and harm me is a violation of 18 USC 894 lastly the XXXX, Experian, XXXX is conspiring with XXXX XXXX XXXX and XXXX XXXX XXXX. See attachment
Consumer complaint received 2023-08-24
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. (TX)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XX/XX/2021
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (KS)

I received a reminder email from American Express that my payment was due today. I meant to schedule my payment online when I was at home that evening. I forgot and the following morning when I woke up at XXXX XXXX  I remembered I had not made the payment. I logged on to my account and made the required payment. I was then assessed a {$29.00} late fee on my payment that was due the previous day. The payment I made was the entire statement balance. Since I was a few hours late, I am sure I am not only paying a high late fee but I am now probably being charged interest on this months purchases. 

I then did a chat with an associate from American Express and asked if they would waive the fee since I was only a few hours late making the payment. The reply was we can not approve your request and offered the option of setting up an auto payment of my payment. Auto payment is not a good option since the payment does not allow me to control the debit that coincides with by biweekly payroll. I then asked that the associate close the account, which was completed, and XXXX will payoff the card with the next statement. I have been an American Express customer more than 10 years and have not made a late payment very often but have had a couple in the past and they have waived the fee when I have asked before. I was asked why my payment was late and I replied, " I simply forgot to do it last night and made it first thing this morning. '' The fees for making a simple mistake are ridiculously high and punitive so I've decided not to do anymore business with this company.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (PA)

PURSUANT TO THE FAIR CREDIT REPORTING ACT : XXXX U.S.C. XXXX American Express promised me a XXXX XXXX XXXXnterest rate upon sign up for the blue cash everyday card. It was advertised, and on the application I filled out. 

However, I was charged interest from the start. 

There is no record whatsoever that states my interest rate will not be XXXX, at the introductory rate. 

I demand that XXXX interest charged in the amount of XXXX be removed immediately. 

I will not give up.
Consumer complaint received 2023-01-18
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)

I have contributed for years to dispute this error on my report. XXXX XXXX XXXX XXXX is not properly reported on my account. This has been validated as fraud. I've worked with XXXX XXXX and Police Department. 

The XXXX is not running a complete investigation and this his prohibiting me to purchase housing from my family. 

Please remove this fraudulent account so we can purchase a home.
Consumer complaint received 2017-05-08
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. (IL)

I had contacted them about deleting  XXXX   XXXX  with documents from the settlement of the Class Action lawsuit I had been a member of and after several attempts of submitting these documents, the  XXXX   XXXX  is NOT deleted from my report.