davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-01
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. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY AND DUE TO THIS I AM NOW UNABLE TO ACQUIRE CREDIT.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (MA)

GM Financial Acct # XXXX XXXX XXXX XXXX 1. Havent updated credit report since XX/XX/XXXX 2. Balance shown {$1500.00} 3. Paid {$550.00} XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX = XXXX 4. GM Financial shows las payment of {$420.00} 5. Contacted GM Financial 6 times and they reported to me that they have to check each account prior to updating records. 
6. No date given as to when this will happen.

7. Car is a lemon and has been undrivable for 4 years. Dealer refused to honor warranty and replace battery. Two recalls for electrical system problems and now is in XXXX dealership and will cost ~ {$2000.00} to fix. 
8. Bought car with XXXX miles on it and currently has XXXX miles. This car has cost me over $ XXXX mile to own. Worst car I ever bought! 
XXXX XXXX XXXX XXXX XXXX % XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AFNI INC. (OH)

I was in an accident on XX/XX/2018, i was insured at that time and found to be at fault. I only had liability coverage, i paid the court and towing fees as well as my hospital bills which amounted to {$3000.00}. I provided my insurance information to the police on the spot. A month later I start getting calls from this company called AFNI. They said they are an insurance collection agency and i owed them {$14.00} XXXX for the accident. I told them I had insurance and provided my insurance information. They kept calling for months threatening to sue if i do not pay. Now they have had my license suspended by the Ohio bmv and it states that I have a non-compliance debt with afni of {$10000.00}. And I also need to pay a {$350.00} reinstatement fee. I had insurance and i gave my policy card to the police, afni claims I had no insurance and calls me everyday of the week. I've called my insurance company ( XXXX XXXX ) and they say the claim is still open ( claim number : XXXX ) there's nothing they can do to help me at the moment. I am going to sue this company. They don't want to deal with my insurance company, I am currently XXXX  and their constant harrassment has elevated my XXXX XXXX.
Consumer complaint received 2020-03-01
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I used my Savor credit card, by Capital One, to pay {$90000.00} as a part of payments to home renovations ( including flooring, painting, kitchen cabinets, countertop ) contracted with XXXX XXXX XXXX XXXX XXXX None of the services contracted were completed by the contracted company. After attempting to resolve the issue with XXXX XXXX XXXX XXXX ( documented ), I disputed the transaction and Capital One and faxed invoices and proof of my attempts to resolve the issue with the merchant. Capital One issued a purchase adjustment to my account, pending investigation. On XX/XX/XXXX I received a letter from Capital One requesting additional documentation ( the same documents I had already sent ), and stating that if they did not receive the documentation by XX/XX/XXXX, we may charge {$90000.00} back to your account and consider your case closed. On XX/XX/XXXX, I received another letter, stating we are unable to assist you with your claim. Contact the merchant and work directly with them. On XX/XX/XXXX, Capital One issued a transaction refill of {$90000.00} to my account. After spending hours on the phone with several customers account managers, no one seemed to know what they were talking about regarding my dispute. One said manager, requested a valid second opinion by the company that was hired to complete the service undone. On XX/XX/XXXX, I faxed a letter with a second opinion they requested. On XX/XX/XXXX, I called again and spoke to an XXXX XXXXXXXX, Mr XXXX XXXX employee ID XXXX XXXX   according to him ), who, after placing me on hold multiple times to review the documentation and communicate with the office people that decide this, stated I will call you within 8 to 10 days. I think we missed the deadline with MasterCard. 
Capital One has failed the obligation to protect the me, the customer, from a fraudulent merchant. Therefore, I am asking the assistance of the Consumer Financial Protection Bureau to resolve the issue. Case number XXXX.
Consumer complaint received 2021-08-31
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. (FL)

I did not authorize this company to pull my credit. I have asked XXXX XXXX and Equifax to remove this credit pull but they are unresponsive. Equifax also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2019-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CO)

I reported a " debt '' as fraudulent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Whoever incurred this debt initially with PayPal didn't know how to spell my name correctly and used an email address that didn't belong to me. The amount was for {$940.00}.

After investigating, they should have realized that this debt was not legally mine and dropped it. They never contacted me again. Instead of writing this off as fraud ( or whatever companies do when they deal with fraud and theft ), they sold this " debt '' to another collection agency to harass me more. They did this either with the knowledge that this debt was fraudulent or without following up on my report that it was fraudulent.
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (AZ)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial XXXX. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2019-12-06
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE A WHOLE LOT THAT I WOULD LIKE TO ACCOMPLISH FOR MY FAMILY AND MYSELF SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2024-03-13
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 am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

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

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-11-22
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. ()

The XXXX XXXX XXXX have a grave responsible to ensure all information being reported is accurate and correct. The credit bureau is required by law to preform a independent investigation after I as the consumer request that Transunion and XXXX go beyond the original furnisher pursuant to section 609 and 1682. I am requesting that Transunion preform a independent investigation with XXXX account XXXX and review all support proof documentation. This account has been re-aged for the original furnisher first date of delinquent and is being inconsistent reporting. Illegally Re-aging account is a violation of the FCRA. This account is being inconsistent reporting of the first date of delinquency. TransUion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX XXXX is not reporting this re-aged account. This account is inconsistent being with different years, months and dates of first delinquency. This are violating of the FCRA by TransUinon and XXXX. 
I have attached as proof documentation a copy of credit report showing the re-aged and inconsistent reporting by the credit bureaus.
Consumer complaint received 2019-12-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I am in an active bankruptcy and since my bankruptcy Ocwen Financial transferred my mortgage to PHH, during this process PHH transitioned there website to a new website and since then have continued to deny me access to my online account, therefore I can not see the status of my loan, confirm payments are received or see the balance. I have attempted to contact them multiple times via email and online support as well as calling them multiple times to no avail. The Customer Service Representatives continue to give me the run around and claim that  they can not give me any information over the phone regarding my account or balance and that they have restricted access to my online account and that I will need to contact an attorney to have them authorize my access to my account. Please note that prior to the company migrating to the new website I had no issues accessing my account or seeing my account balance or payment activity, payment due, escow balance, etc. The last time I was able to access my account was in XXXX of this year. Please advise if this is illegal as I feel I should not be restricted from accessing my account.
Consumer complaint received 2019-01-31
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 reached out to this agency back i XX/XX/2018 regarding some items on my credit there were not mine. I'm trying to go through the first time home buyer program at my church however I dont even qualify. If there is a next step is should take please let me know. Please have these items removed from my credit. XXXX Acct # XXXX and XXXX XXXX.
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2019-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (MI)

During XXXX, I was living in an apartment, signed the contract with the leasing office using XXXX XXXX. The leasing office subscribed a sport channel which was free for the first year, and the second year, if the subscription was not cancelled, XXXX would charge for that channel. I never paid TV bill directly to XXXX, was always through the leasing office, and every month the amount was the same. In XXXX, the leasing office didn't cancel that sport channel, and XXXX charged my account, but leasing office still collected the same amount as last year. The leasing office never notified me about the extra charge until I saw my account had a balance, and it was too late to dispute with XXXX. The accumulated amount was {$160.00}. 

Credence Resource Management LLC keeps calling me about this debt, they call many times per week, day and night.
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc. (IL)

I activated and registered a prepaid XXXX card. I used it fully within terms of service and decided at one point to cash advance the card. As a result, my card was placed in  'spenddown mode ' from this transaction, meaning that XXXX/Incomm changed the nature of my account to only work for credit or debit purchases. As a result, I am stuck with {$2000.00} in funds that I do not wish to 'spend down '. I want to have cash access to this amount, and am unable to because of this change made to my account. It will unnecessarily burden me to spend it down, since this card charges {$0.00} per transaction. 

The card was changed to spenddown mode on either XX/XX/2019 or XX/XX/2019. I have no receipts because this change was not a transaction. The action was confirmed to me over the phone on XX/XX/2019. There is no way to access my account online because of the change.
Consumer complaint received 2019-12-06
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 (KS)

This is in connection with # XXXX-XXXX. I'm sorry I didn't respond within the 60 days but the issue hadn't been satisfied and really still isn't. I've attached a copy of the correspondence mailed to Capital One today, requesting my account be closed. I never received copies of the last two statements. I don't intend for you to pursue this farther, I just wanted it on records that they didn't satisfy my requests.
Consumer complaint received 2019-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2018-02-27
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: SYNCHRONY FINANCIAL (AR)

This company SYNCB/CARE CREDIT has reported in my account an old credit card from 2009 on my report says its closed but labeled revolving. Also when calling them to try to resolve this issue they say they sold it to XXXX XXXX. When trying to get ahold of that company they are no longer in business. So my question is how am I supposed to have this removed from my report if they wont even let me work out a payment arrangement or give me more details on the account?
Consumer complaint received 2023-02-01
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00}.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit information provided by XXXX displays an unknown entry : XXXX XXXX XXXX ( XX/XX/2019 ) Type of Industry : Other Collection Agencies Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone Number : ( undefined ) undefined I have no idea what the above entry is about.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

TRANSUNION HAS PUT ONLINE COLLECTION IN MY ACCOUNT AGAIN THIS ACCOUNT WAS REMOVED I DO NOT HAVE A BALANCE WITH THTIS COMPANY OR AL OAN THEY HGAVE NOT SENT ME ANY INVOICE THAT IS LIGT THEY ARE LYING THEY SHOWED NO PROOF OF BURDEN AND WAS REMOVED MANY TIME BEFORE PLEASE STOP ALLOWING TRANSUNION TO PUT THIS IN MY CREDIT REPORT I AM ALSO DISPUTING THE BALANCE ON XXXX  AND XXXX PLEASE ASK THAT THEY REMOVE XXXX  ACCOUNT FROM MY REPORT THE BALANCE IS INACCURATE
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation (FL)

Fortiva sent a XXXX that I did not apply for and it is now on my credit report. I do not want this to affect my credit score as a closed account since I never opened the account. This is a huge issue for me my credit is frozen to prevent this type of fraud.
Consumer complaint received 2022-10-03
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.