davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-07
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Lloyd & McDaniel, PLC (KY)

I learned in 2013 a company named XXXX had filed a XXXX negative reports to the credit bureaus for a claim on XXXX and XXXX XXXX credit cards. I wrote and asked them about the reports, asked them to provide proof of a debt to which I was unaware, and to cease and desist. They mailed me statements that reflected fees and interest and otherwise gave no information. Apparently, then it was given to Lloyd and McDaniels and I wrote Lloyd and McDaniels and again inquired. Since my efforts, a suit was filed and a judgment granted, all without my knowledge even though they had my contact information and we were corresponding and talking by telephone, no one told me. I found out when my checking account began being garnished! This has caused me a great deal of stress and additional financial problems because of the garnishment. I may now have to file a bankruptcy! I need help getting the judgments repealed, the reports removed from my credit bureaus and my garnished money returned to me. This should never be allowed to happen to any American consumer. I believe these companies have acted illegally and in bad faith pursuant to Kentucky statutes of the Fair Consumer Act and the Federal Trade Commissions policies and ordinances.
Consumer complaint received 2024-03-06
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. (NC)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

My current address is XXXX XXXX XXXX XXXX XXXX XXXX My phone number is XXXX XXXX  All other info is outdated and inaccurate and should be removed from my reports from all three credit bureaus. 
No alias names should be included. 
Remove all previous addresses.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Wrong address displayed on credit report immediately remove XXXX XXXX XXXX XXXX XXXX fl XXXX and any other address my only and current address Is XXXX XXXX XXXX XXXX  XXXX fl XXXX I
Consumer complaint received 2022-09-17
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. (FL)

n accordance with the Fair Credit Reporting act 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 2021-07-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2016-06-30
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Citi Management Group, LLC (NH)

I never received any money from a payday loan company that is claiming we received a loan in XXXX of XXXX and made a payment in XXXX XXXX. An arbitration company called me 6 times in the past week ( XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ) in an attempt to collect this debt. The source of the call was XXXX XXXX XXXX XXXX in XXXX, Arkansas. 

I stated that I suspected the loan was fraudulent, as I had filed for bankruptcy in XXXX XXXX and my bank statements had been subject to intense scrutiny during that time period. The man I spoke to refused to notate that I suspected fraud and instead said I " claimed to have never received a payday loan in my life. '' He told me he would not notate my account because having a bankruptcy would " make this all go away. '' He told me I had 48 hours to contact them with the case number in order to stop debt collection from proceeding. 

I know this because I called back about ten minutes later with the bankruptcy court case # and got a different woman who read aloud to me, verbatim, the notes the man made on the account. She told me that the account had already been closed " for once '' and when I tried to get her to notate the bankruptcy court case " for peace of mind '' she lectured me on the proper way to deal with fraudulent loans and reiterated that " it all went away when the account closed. '' I had to ask several times for her to please put the information on my account before she would do so. 

I have contacted my bank to inform them that they should be on the alert for possible fraudulent transfers, as this company had my former address, where I banked, where I used to work, and my husband 's name. I advised them that I thought the demand was fraudulent both because I never received or sent funds to a payday loan purveyor and because I had a bankruptcy open from XXXX/XXXX/XXXX. 

I have statements from my husband 's account from XXXX XXXX in case you need to verify that we never made a payment. No other bank accounts were active for us at that time.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I filed a dispute with EXERIAN about them reporting a bankruptcy on my credit report that does not belong to me. Experian list XXXX as the 3rd party consumer reporting agency that provided that incorrect information. I reached out to XXXX about that bankruptcy reporting after my dispute with them and XXXX sent me a letter stating that as of XX/XX/2022 they have removed my disputed bankruptcy information from my file. I have attached a copy of that letter to this complaint for your records. Please remove the bankruptcy listing from file and all accounts listing incorrect information from a bankruptcy. If this information is not removed with in 30 days of this complaint, as I am a litigious consumer and I will not hesitate to file a suit in court for damages per the Federal Credit Reporting Act.
Consumer complaint received 2023-05-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (OH)

Bought the XXXX XXXX XXXX in XXXX for {$30000.00} and paid it off a little, It's been over a year that's I've paid it off... I used all my savings and still don't have a vehicle I can drive legally. 
promised a stress-free car purchase from big-named vendor XXXX. Now, it's most facin the most stressful time ; along with the pandemic of the virus of course. 
I have contacted XXXX-to assist with the issue of not having a title for the vehicle that I've worked so hard to pay on. 
more than 25 times I've contacted & informed each time that Bridgecrest - XXXX that my current information needed updated- Each time I had to contact again... Both company 's had old contact information- no current contact info I provided to them was out into their systems. 

XXXX- would blame Bridgecrest to why I haven't gotten my title, and Bridgecrest would give the reasoning that they sent it- even though I continued to say I didn't get the title, they had no solution, the call would get transfered... Or discounected, and this is a recurring event each time dealing with both companys
Consumer complaint received 2022-09-18
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. (NC)

It has come to my attention, after reviewing my online credit bureau report, that continued requests for removal of items that have not been authorized by me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, fifteenth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me.
Consumer complaint received 2018-04-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

This company is collecting a debt on behalf of XXXX XXXX XXXX XXXX. The date of service was XX/XX/XXXX at XXXX XXXX. The XXXX Associates fail to resubmit a medical claim to XXXX and XXXX for XXXX, which is both my insurance companies. The claim they originally submitted had the wrong social security numbers associated with the medical coverage. XXXX belong me to and XXXX for XXXX to my sponsor. We are both veterans. This CSA refuses to contact their client XXXX XXXX XXXX XXXX after I contacted XXXX about the errors in the submitted claim and rejected claim, and was told to tell XXXX XXXX XXXX XXXX to re-submit the claim even though it is very late. Under the circumstances of the wrong social security numbers used XXXX is only asking the medical provider to resubmit the claim for processing for payment. This CSA wants " money '', my money! I have 100 % health care coverage from the government and this CSA will not ask their client to resubmit, give me the client 's phone number or contact information. They are abrasive, rude and totally unprofessional with their service to a consumer. They told me that they could not verity my insurance with the government, and that was a total lie, the government never closes and I have had the same insurance for since my husband 's retirement in XX/XX/XXXX and I went on XXXX in XX/XX/XXXX, and nothing has change with my coverage. They just want cash money and I refuse to pay a collection agency that sent my name and this account to all three credit bureaus because they will not bill XXXX or XXXX for XXXX. They also refuse to send all three credit bureau a letter stating they falsely reported this debt. This is a violation of my consumer rights!
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

The account is a pay day loan from 6 years ago. I never paid this account late, it was automatically taken from my account. The company refuses to admit the information is not correct however, I have sent Transunion the information from my account which can still be accessed online, I will attach this information. There are two issues with what is being reported, first if XXXX XXXX gave me XXXX pay day loans at the same time, they violated the law. Second, they even report the account was paid and never late, which means they are reporting false information. Yes I was young and dumb getting this payday loan but there is no reason for them to report false information unless they are doing it to hurt credit scores so people like me ca n't get conventional loans. I gave this information to Transunion and they told me that, the reporting company reports the information and they just put in on account, I asked even if I supply documentation showing it was paid and never late, they said yes, it is up to reporting company. Because the reporting company refuses to change and they mailed me something saying their records show I paid late but yet online records show it was paid and never late. So credit bureaus wo n't take evidence from normal consumers but will take information from companies as legitimate even when seeing receipts and documentation disputing what the company claims in the reporting. So consumers are now required to sue the company and credit bureau to get this inaccurate information removed. How is this possible?
Consumer complaint received 2024-03-06
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-16
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. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing XXXX  and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MA)

We have received no correspondence or notice from Nationstar Mortgage , LLC as of XX/XX/2017 that our mortgage was transferred from XXXX XXXX XXXX. XXXX sent us a letter that Nationstar will start accepting payments on XX/XX/2017. We contacted Nationastar customer service and they indicated that welcome packages are delayed. Currently we have nowhere to send our payments.
Consumer complaint received 2022-09-17
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. (GA)

There is information on my account that is inaccurate. 
15 U.S.C states a consumer reporting agency can not furnish an account without written instructions. 

In accordance with the fair credit reporting the following accounts have violated my rights. XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-06
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: Experian Information Solutions Inc. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

On XX/XX/2022, I deposited a check in the amount of {$10000.00} at a PNC branch Bank in downtown XXXX near XXXX XXXX. This check was received from my manager for services rendered. The branch in which I deposited the check is in a predominantly white neighborhood of XXXX. Upon depositing the check, my account was immediately frozen without any notification. 

After several attempts proving that it was not indeed a fraudulent check, and that indeed those monies belong to me, my account remains frozen. I have obligations to the IRS and creditors that needed to be paid. I have since incurred a late fee and potential damages to my credit report. 

Please assist me in unfreeze my account. Thank you
Consumer complaint received 2022-09-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (TX)

In XX/XX/XXXX, I received an unsolicited check in the mail from Security Finance in the amount of XXXX Dollars. I called the number on the check to confirm that the check was real and it was an offer for a loan. I accepted the loan and deposited the check in or around XX/XX/XXXX. To date, I have made all payments on time. I received a postcard from Security Finance stating I could receive extra funds if I " refinanced my loan ''. On XX/XX/XXXX I went to the XXXX store and asked to refinance my loan. At that time, I asked XXXX XXXX if they would be pulling my credit, as I was concerned about a hard inquiry. XXXX stated it would be a " soft pull '', and it would not affect my credit. Manager XXXX XXXX confirmed that it would not hurt my credit. I immediately received an alert that Security Finance had obtained a hard copy of my credit report. I asked why XXXX told me they would not do a hard pull, and she stated " sorry I didnt know :. XXXX further went on to state " you will get the points back when you make your first payment ''. On XX/XX/XXXX, I attempted to make a purchase with the XXXX app. I was denied the purchase, the reason stating " credit utilization rates ''. Upon checking my credit report, I noticed Security Finance had closed my previous account and opened a new tradeline on both my XXXX and XXXX reports. They listed my account as having a balance of XXXX, with a credit limit of XXXX, showing my account as over limit. I called the store and spoke to XXXX, who stated she didn't know why that would be. After calling the corporate number, I was told the District Manager would call me back, and no one has called. Further, the customer service agent was rude and stated " thats just how it works ''.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The Bureau did not fix the error on my credit report. They are still reporting inaccurate late payments and violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )
Consumer complaint received 2022-09-18
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: Experian Information Solutions Inc. (MI)

Experian has continuously violated my federally protected consumer rights. Your company is violating me as the consumer by furnishing inaccurate, unfairness, and privacy information on my consumer report without my written permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ). I am a victim of identity theft from the XXXX data breach, your company is furnishing and reporting a FRAUDULENT account on my consumer reports. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so properly the past several months. I'm demanding you to block the information reporting no later than 4 business days pursuant to 15 USC 1681c-2 ( a ). Remove and block the XXXX XXXX XXXX account from my credit report immediately. 

I have provided all required documents such as proof of identity of consumer, a report, ID, and a statement. 

" A consumer reporting agency shall block the reporting of 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. '' 15 USC 1681c-2 ( a )