davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (NV)

I disputed a XXXX XXXX account in early XXXX that was in collections with XXXX XXXX because it was reporting inaccurately on my credit report. It was removed from my report and readded under National Credit Adjustment in XXXX of XXXX. It is still reporting inaccurately on all three bureaus. 

Although this account was originally opened in XXXX, NCA is reporting it as new debt. My current credit report shows the account was opened in XXXX of XXXX which is inaccurate. XXXX shows the last active date as XXXX of XXXX but XXXX says XXXX of XXXX while XXXX says XXXX of XXXX. This account has been inactive since XXXX. The notes on my credit report say that it meets FCRA requirements. I'm unsure how if they all say something different. That is a pretty basic rule of the FCRA ; accurate reporting. That only refers to the issues with my credit report. There are more inaccuracies there as well. 

But the reason for this complaint is as follows : I called NCA on two different occasions and spoke with a manager who told me that they would look into the issue and return my phone call. They requested screenshots of my credit report which I provided. I didn't receive a callback either time. The manager told me he would return my email. On XX/XX/XXXX, I emailed screenshots of my credit report showing everything that was reporting incorrectly and they never responded to my email. That email was sent to XXXX who never responded to the information that he personally requested from me. I asked for proof that the debt was mine. They did not respond and never sent proof in the mail even though I gave them my updated contact information. I also did a direct dispute with NCA. I mailed a certified letter to them directly on XX/XX/XXXX and they never responded. At this point, it has been almost 60 days with no response. The last time I called in, which was well after they missed the 30 day mark, the manager told me that they were waiting on the original creditor to send the documents. That is fine but the law states that they had 30 days to respond. They've taken almost 60 and there is still no response or accountability
Consumer complaint received 2020-08-07
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: U.S. BANCORP (MO)

I have noticed that ELAN FINANCIAL SERVICES have placed an inquiry on my XXXX credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both ELAN FINANCIAL SERVICES and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2024-02-26
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. (NY)

Someone Fraudulently applied for a vehicle loan in my name. Ive explained to them that I faced Identity theft and someone has been using my name for the past 4-5 years. I have been trying to get this account removed for the longest, but nothing changed. only XXXX XXXX removed the account. It isn't fair that I am being held liable for debt that was acquired by someone else fraudulently.
Consumer complaint received 2020-08-07
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. (CO)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$4400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Consumer complaint received 2020-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have a loan with XXXX/XXXX, XXXX/XXXX, and CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX, XXXX/XXXX and CAPITAL ONE with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Credit and Collections Inc. (SC)

I attempted to contact the debt collection company since the debt had already been paid directly to the landlord. They continued to pursue debt collections against me. After getting proof from my bank that it had been paid I attempted to call them back. XXXX refused to send me a letter stating the debt had been paid and intentionally hung up on me.
Consumer complaint received 2020-08-07
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: ACIMA CREDIT, LLC (MD)

I have a loan with XXXX XXXX, ACIMA CREDIT FKA SIMPL, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, ACIMA CREDIT FKA SIMPL, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-07
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: Colony Brands, Inc. (MD)

I have a loan with MONTGOMERYWD, XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-07
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: Global Lending Services LLC (MD)

I have a loan with XXXX, DPT EDXXXX, and GLBLNDSVCS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and GLBLNDSVCS with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-07
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. (CO)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Consumer complaint received 2020-08-07
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: JPMORGAN CHASE & CO. (MO)

I have noticed that JPMCB have placed an inquiry on my XXXX and XXXX  credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both JPMCB and XXXX  and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Consumer complaint received 2020-08-07
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: Experian Information Solutions Inc. (CA)

it has now been over 60 days since I sent letters out to the credit bureau with absolutely no response which I know is a violation of the FCRA even with the extended time period you have given them. PLEASE help in finally resolving this situation.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX and original creditor XXXX XXXX XXXX XXXX  appears on my Transunion credit report without notifying me 5 business prior to being reinserted. This is a violation of FCRA rules section 1681.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I made all of my payments to Credit Acceptance within the 30 days that was required before reporting negatively to credit reporting agencies. The company has only reported my last payment as late, which again was not 30 days late. The payment is due on the XXXX, I made the payment on the XX/XX/XXXX. I then learned in making the last payment that late fees magically appeared. This was then going to add a payment, that was not expected. The vehicle has been paid in full since XX/XX/XXXX, then an added payment of {$340.00} in late fees. This has negatively effected my credit I have worked so hard to fix since my divorce in XX/XX/XXXX, and impacted my ability to purchase a new home. I have contacted Credit Acceptance and disputed their information they are reporting. They have refused to remove the information, therefore I am looking to take the next steps.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Macy 's Credit Card issued by Macy 's through Department Stores Nat. Bank. 
I used this credit card only in Macy 's and always paid it monthly in full and on time. I do not use any credit. 
Suddenly in XX/XX/2020, they charged me a {$28.00} fee for Late Payment. I did not owe them any money. I called them and asked them to cancel this undue charge and to cancel the card. I do not have any card debt and can not afford any charges. They accepted verbally to cancel the {$28.00} fee and to cancel the card. 
To my surprise, they continued to charge the card with Late Fees and Interest. 
To this date, they have charged {$150.00} ( Late fees for {$140.00} and interest for {$4.00} ). 
They have kept the account open against my will to charge fees and interest. 
This is clearly an attempt to collect money from a person who does not owe because she is not buying anything. Apparently they want to increase the account with more charges each month until the amount increases to thousands of dollars. I refuse to pay this or any amount they charge in the future.
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (MS)

I have disputed these fraudulent inquiries multiple times with Experian and they kept ignoring my request. So, Im filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Healthcare Collections-I, LLC (AZ)

I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.
Consumer complaint received 2020-08-07
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (SC)

I recieved a letter from Radius Global Solutions attempting to collect a debt owed to XXXX XXXX XXXX XXXX XXXX. I received calls daily from Radius. I requested that the phone calls cease immediately because the bill was supposed to on hold. 

On XX/XX/XXXX, I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX to confirm whether the bills were still on hold. She indicated that the bill was sent to Radius in error, but she would request a return of the bill. 

Radius has violated collection practices by placing the bill on my credit files after my contact with the company within 30 days of the notice. I inform Radius representative to return the bill to the provider. Nonetheless, this collection bill has been placed on my credit files. which has negatively impacted my good credit.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$3000.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Consumer complaint received 2022-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY ASSOCIATES , LLC is attempting to collect a debt on behalf of XXXX XXXX XXXX  XXXX XXXX XXXX on a debt in which the statute of limitations has well expired. I have disputed the collection with PORTFOLIO RECOVERY ASSOCIATES , LLC several times to no resolve. They are now refusing to accept my disputes. They are trying to state my disputes are frivolous and that I need to provide proof however, they have never legally provided debt validation despite my numerous requests. The burden of proof is on them and they are refusing to comply.
Consumer complaint received 2020-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I booked a stay on XXXX XXXX for the dates XX/XX/XXXX to XX/XX/XXXX. I wasn't able to get into the suite booked due to some garage key error and that's the only way to get in. My husband and I sat outside a one way narrow garage until someone could let us into the building. I reached out to the host regarding this and requested a new room with a new key. We got the new room and the new key and the same thing happened. We would left the condo sparingly because we knew it wouldn't work. On the second key the host become unresponsive. Frustrated with fighting with the building security to prove we brought a stay here with XXXX XXXX and not being able to have access to a condo we paid for we had to leave. I contacted my bank USAA to place a dispute but after providing proof of the booked stay and a cancellation notice I got a generic response that XXXX XXXX can't refund a cancellation. This was ridiculous, the cancellation ( I was told by the host ) needed to happen so we can change condos. I never not showed up and expected to get refunded, I showed up and literally didn't have access to a stay I paid for and paid for room change and didn't have access to either. I got royally XXXX  here. I've attached the proof sent to USAA. Also during the dispute XXXX XXXX sends me a message telling me I could get my account with them cancelled for trying to dispute ... retaliation much! I've used this company before and this was my first very big issue and deeply disturbing. The first amount paid from my account was {$370.00} on XX/XX/20 the second was {$79.00} on XX/XX/20. The on XX/XX/20 I get the automated response from my bank telling me my dispute was denied and it wasn't based on the reason provided. No one looked at this. This was absolutely unfair.
Consumer complaint received 2020-08-07
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. (NY)

I claimed chapter XXXX bankruptcy in XXXX of XXXX and has been discharged already, and still says open on credit report. Also XXXX credit report shouldnt it fall off after 5 years for a chapter XXXX?
Consumer complaint received 2020-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The problem is that I have inaccurate information reporting to my credit report thats affecting it negatively. I have my proof attached to this complaint also so please take the time to look over it
Consumer complaint received 2022-11-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management continues to call every day, spamming my cell phone number multiple times. I never had any prior dealings with this company, I owe no debt to them nor do I have any unpaid outstanding debts with anyone. 
Here 's the most recent call log of their spam calls : XXXX XXXX XXXXXXXX XXXX PDT XXXX XXXX XXXX XXXX  PDT XXXX XXXX XXXXXXXX XXXX  PDT XXXX XXXX XXXXXXXX XXXX PDT
Consumer complaint received 2020-06-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I notified Equifax back in XXXX that an account was on my credit file that was not mine and did not belong to me due to identity theft. I provided legal documentation in XXXX to support this claim, the account was investigated by equifax and determined to be fictitious. The account reappeared on my credit profile in XXXX. I then notified Equifax that this account was in fact not mine and that it had been previously investigated by the and determined to be fraudulent. I provided the documentation that was use din the XXXX dispute as well as new and updated information. I have submitted multiple disputes even provided information that shows where the other bureaus had done thorough investigations and even re-investigations that showed and supported that this account was in fact a fraudulent account. Equifax have not properly re investigated nor removed the frivolous account that is reporting from XXXX XXXX from credit profile. They have violated the FCRA by reporting frivolous information in my profile.