davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

This company is putting things on my credit report that is fraudulent. I have NEVER lived at this place. I have been trying to combat identity theft for a long time.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with fair credit reporting act XXXX XXXXXXXX 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2016-03-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (GA)

My lender Selene is discriminating against me and going against the CFPB guidelines. I originally submitted my packet in XXXX XXXX, 2015 and i had a foreclolsure of XXXX XXXX. They closed out my modification because they recvd packet 35 days before the sale date. I filed Bankruptcy and my case was reopened in XXXX XXXX XXXX XXXX my XXXX party spoke with XXXX and he advised her to send in updated paychk stubs and i faxed them over to her on the XXXX and she faxed and emailed them on the XXXX. She called on the XXXX to confirm that they recvd docs and the advised her that the mod was closed out the same day they recvd the docs on XXXX My XXXX party had escalaton done and she refaxed the packet all over again on XXXX It is not fair that they closed out my modification when they had all docs 37 days before my XXXX XXXX sale date ... supervisor XXXX XXXX in loan resolution said there was nothing he could do. PLEASE HELP ME KEEP MY HOUSE!!!!!
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MN)

I have been in a dispute battle with chase over a billing error for a few months now. It started when my husband and I purchased a XXXX  ( not the dipsuted charge ) for an oil change, making it free. The oil change groupon included free tire rotation and inspection. We dropped the truck off and all seemed fine, we then got a call that during the inspection they found a problem that would cost ~ {$2500.00} to fix. We declined the fix and they said they'd continue the inspection. They called back later stating there were more problems found and it would be ~ {$7500.00} to fix the entire truck. We declined and said we just want the oil change and tire rotation done. When we arrived they told us our total was over {$300.00} dollars. When we asked what for as we already used the XXXX  for the oil change they said it was for " diagnostic fees ''. There was no mention of this fee in verbal or written agreements that were signed. They told us they could not hand the keys over until the fees were paid. 

The charge was on XX/XX/XXXX of XXXX  for {$310.00}.
Consumer complaint received 2023-05-31
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. (MA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (MS)

On XXXX XXXX XXXX XXXX Someone used my information to open an account in my name at XXXXXXXX XXXX. I have since tried to get a fraud alert and or lock my account due to these issues. I have stated this information to XXXX and sunrise credit services and they are still reporting this account as being mines and it is not. Im so frustrated about the correct customer service I am not getting and I will continue to fight to get this off my record because its not my account.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXXXXXX XXXX XXXX account XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX account 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 count without my written instructions.
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

It is a real problem here that capital one has a persecution against me for adding authorized users to my cards, something that is completely legal. They allege fraud with my cards because I add my family members to my credit cards. 

They were sent the documents they requested and it is now six months that they keep my accounts freeze for no reason and without reason. The balances of my cards are XXXX, I pay my cards well and there has never been a delay. 

I consider it an abuse of capital one to freeze my cards by me adding authorized users. 

I have called for six months on many occasions and they ignore me. 

Since when is it a crime to add authorized users on credit cards? 

This same situation also happened to my husband with capital one, and my husband threatened to sue and in two days they fixed the situation. 

I request that both credit cards be defrosted immediately, if capital one continues to pursue me as if I were a criminal for adding authorized users, I will be forced to sue in the Federal Court. thanks Mrs. XXXX XXXX
Consumer complaint received 2023-05-04
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. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2020-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. ()

On XXXX XX/XX/2020, I made a transaction of amount XXXX on XXXX  to XXXX XXXX. The amount was debited from my account but didn't received by the receiver. It's already been more then a month but no update is given to me regarding my money from XXXX  company. I have tried to contact XXXX  customer service multiple times but Everytime they say that the problem would be solved within next 3 Working days. But today it's XX/XX/2020, but still I haven't given any updates, not even my account is credited by XXXX rupees.
Consumer complaint received 2023-09-01
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (IA)

I have been late on payments with Fortiva Retail Credit. Per an email received XX/XX/2023 if I made payment by XX/XX/2023 then they would match 50 % of the payment amount made. They are denying this. Also I received an account statement dated XX/XX/2023 that indicates minimum payment due by XX/XX/2023. There is nothing indicated in that statement that my account was closed. I only found out this information by checking XXXX XXXX and seeing a closed account on my credit report. I then contacted Fortiva and was told a letter was mailed out regarding account closure on XX/XX/2023. 1 representative claims the letter was returned however all my statements mailed to me have never been returned ; another representative I spoke with only indicated they mailed a letter dated XX/XX/2023, nothing in regards to it being returned. I have lived at my address for XXXX years and never had any problems with any other creditors regarding mailed not being deliverable.
Consumer complaint received 2024-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (GA)

Based on 15usc1692cc ) c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer.
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the erroneous items 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 XXXX XXXX ; but I never received a response from them. These items must be investigated and UPDATED in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX  Bankruptcy Case Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-30
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. (VA)

I have sent multiple disputes to remove incorrect address from my transunion credit report with no resolution. At this point I do not know what to do. What recourse do I have to hold these Credit reporting agencies accountable.
Consumer complaint received 2024-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (VA)

The company Healthcare Finance Direct started to send threatening emails about two months ago asking from money for a product I never received and with a company that went bankrupt. I filled out a claim with consumer finance ( XXXX ) and the company answered on XX/XX/XXXX saying they were going to stop communications and close my account. That never happened, I received two letters this past week to my house with the company threatening to send my information to an outside collections agency again. This is beyond frustrating and unethical.
Consumer complaint received 2022-11-22
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)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$220.00} ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-22
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)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$220.00} ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-04-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Americas Car-Mart, Inc. (TX)

I'm not sure I picked the right boxes. Colonial Auto finance hit the 7 year window on XX/XX/XXXX and I contacted XXXX to have it removed from my report since it was now over XXXX XXXX XXXX and experienced contacted them and they said it stays. But based off the FCRA it falls off after 7 years. This one has plagued me ( got a car in my name for a friend back before I knew better ) and I really want it gone and since it's been 7 years I tried to have it removed but nothing changed. As you can see the date was XX/XX/XXXX.
Consumer complaint received 2024-03-26
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-22
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-22
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)

When I reinvestigated my credit reports, I realized that the same accounts were erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reported accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts listed below : XXXX XXXX XXXX A XXXX .... Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$84000.00}
Consumer complaint received 2022-11-22
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. (TX)

I discovered that there is information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$6400.00}