davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681section 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 2023-10-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland credit tried to sue me in XXXX. I hired a lawyer and the case was dismissed with prejudice. The lawyer and emails state that they can no longer harass me or contact me and they are still constantly calling me
Consumer complaint received 2021-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cadillac Accounts Receivable Management (MI)

I received a court notification back in XXXX of XXXX regarding a XXXX  XXXX  company that was the original company but Cadillac account rec was the collocation company it was a old bill back in XXXX that my insurance company had paid. I went to court and my insurance company didn't provide me the proof in time so I had to pay the full amount and attorney fees in the amount {$580.00}. I paid it and three months later I see a notice on my credit report for another {$81.00} never received bill never received a notice I called the XXXX  XXXX  company and was told they have no knowledge of this I called Cadillac Account and they hung up on me. I went to court and paid everything and now another account and debt is added with no proof I owe this and not notice I owed this after I was told all I owed was XXXX.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I would like to have these collection accounts removed from my credit report. The balances on these collection accounts are inaccurate and they are damaging my credit. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST PORTFOLIO SERVICING INC (IL)

I have disputed this negative account on my credit reports due to identity theft multiple times. The company is stating that this account belongs to me and verifying that its mine from a checking account payment that does not belong to me as well. My personal information was used by someone other than me for financial gain in any and every way possible. I have been working to repair the extreme damage they have caused me. please remove this account from my credit report.
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc. (NV)

These people keep calling from Quantum. They were told years ago that they have the wrong number. They keep calling even though they claim they lost their license last year ( I filled a previous complaint a few weeks ago and that was their response ). I have phone records showing they are calling from multiple lines. When I have picked up recently no one answers. They just keep calling. They have no business with anyone in my home so they need to stop calling. We have been on the do not call list since 2011.
Consumer complaint received 2022-04-18
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: CORELOGIC INC (WA)

When I invoked Covid forbearance protections in XXXX, my VA loan with XXXX was not delinquent. Instead of continuing to report my mortgage as current for the duration of my forbearance. XXXX  did not report my mortgage as current as required by the Cares Act and continued to suppress reporting any status until XX/XX/XXXX. My forbearance ended XX/XX/XXXX and I have made at least the regularly contractually scheduled monthly payment required at least since XX/XX/XXXX. 

XXXX  is improperly reporting my mortgage status for the duration of the forbearance and thereafter and is making it impossible for me to refinance due to the VA seasoning requirement to have 6 consecutive regular payments as reported by the credit agencies. Due to the suppression protection XXXX did not report the mortgage payments as current or delinquent but they where required to report the mortgage as current based on the Cares Act and the status of the loan when covid forbearance was invoked.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I purchased a bag of ice at a self service register at XXXX XXXX. My charge should have been a total of {$4.00}. I removed the credit card from the register and left the store with my credit card and with the ice. A man went to that same register and seeing that my transaction had not properly terminated charged {$640.00} worth of gift cards on my credit card. On XX/XX/XXXX, I became aware of the charge by seeing it online on my credit card charges so I called XXXX and spoke to a manager, who told me that it seemed that my credit card number had been stolen. I then called Chase Credit Card Services and told them what happened. They sent me a new card and were going to investigate the situation. In XXXX of XXXX I see the charge of {$640.00} back on my card and Chase tells me they can not remove the charge because it was an in-person transaction. I go into XXXX with my credit card statement and the old credit card on which the fraudulent charges occurred. I was advised that the store 's bookkeeper would contact me. The following day, I called the bookkeeper who sent me a copy of the receipt and told me he would give the information to the main manager. ( It seems that XXXX XXXX has several Managers. ) Upon my follow up I was told that the manager would not refund the money because the store did not want to take the loss. 
The store knows the man who man who charged on my card because he is a regular customer and he left his name and phone number with them besides putting in his XXXX reward number on the transaction. I even called XXXX, the parent company of XXXX and they said that XXXX could not keep the money because that is considered a blended transaction and it is not XXXX 's practice to keep unauthorized charges. They also told me that they could not reverse the charge because it has to be done by the store manager. I once again spoke to Chase and once again they concluded that they could do nothing. None of these companies, XXXX, XXXX or Chase have refunded this charge which was fraudulently made.
Consumer complaint received 2021-06-16
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: Mercedes Benz Financial Services (NJ)

the following accounts appear on my credit report without authorization Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (IN)

On XX/XX/XXXX I receive three email from synchrony Bank those three email with very strange but very familiar to me I knew exactly what the email meant but two hours later synchrony Bank trying to fix the error, no unacceptable. 
synchrony Bank has send me a email telling me both in my account with XXXX and XXXX was A Trial deposit has successfully make to you ( me ) that was no mistake I know exactly what happened I know my legal right I'm a security party creditor was my trade name copyright ( helder-in-due-course ) I have file my ucc-1 adding ucc-3 I know it is actually my legal standard I know how Bank work but is trying to deny it is something called XXXX XXXX when you give them permission your social security number your name they all ought to go to the XXXX XXXX Bank back window and ask them for money I know that they don't want you to know that I know exactly how it works. I am a secured party creditor, helder-in-due-course. I know how the work they can not tell me that I don't know what what's that email and then later on this day that I apologize this send a email to the wrong person or I don't know. 
They need a good explanation for that they don't have one they can't give me one because finally they made it a mistake to send email to the account owner.
Consumer complaint received 2022-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

Fed Loan servicing advised me that I needed to consolidate my XXXX direct loans to Fed Loans to be eligible for the waiver for XXXX. I have paid on my loans since the program began in XXXX. I did receive loan forgiveness in XX/XX/XXXX, for which I am very grateful, but lost all overpayment eligibility with the unnecessary consolidation into Fed Loans. I am requesting Fed Loan retract the consolidation and/or update my eligibility date to XXXX. I would then be eligible for the 5 years of direct loan over payments from XXXX. This is a significant amount of money and bad advice from unqualified loan representatives have cost me thousands of dollars. I am requesting they get this issue expedited to a supervisor. There has to be a way to fix what they did wrong. They should be the experts in this new loan program, not me! I will continue to contact my state representatives as well.
Consumer complaint received 2022-04-18
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: Caliber Home Loans, Inc. (WA)

When I invoked Covid forbearance protections in XXXX, my VA loan with Caliber was not delinquent. Instead of continuing to report my mortgage as current for the duration of my forbearance. Caliber did not report my mortgage as current as required by the Cares Act and continued to suppress reporting any status until XX/XX/XXXX. My forbearance ended XX/XX/XXXX and I have made at least the regularly contractually scheduled monthly payment required at least since XX/XX/XXXX. 

Caliber is improperly reporting my mortgage status for the duration of the forbearance and thereafter and is making it impossible for me to refinance due to the VA seasoning requirement to have 6 consecutive regular payments as reported by the credit agencies. Due to the suppression protection Caliber did not report the mortgage payments as current or delinquent but they where required to report the mortgage as current based on the Cares Act and the status of the loan when covid forbearance was invoked.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2022-04-18
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. (OH)

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 XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX 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.

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 items of information, other then 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.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-19
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. (NC)

n accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 u.s.c 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 XXXX  XXXX XXXX # XXXX
Consumer complaint received 2022-04-19
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 Account # 's XXXX, 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 account without my written instructions.
Consumer complaint received 2019-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

These accounts was opened fraudulently : XXXX  XXXX- {$1200.00} XXXX XXXX- {$1000.00} XXXX   XXXX- {$690.00} XXXX XXXX {$610.00} I have never filed Bankruptcy and it's reporting on TransUnion/XXXX that I have.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (CA)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible.XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (PA)

Hi my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items listed be deleted as soon as possible, and correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )
Consumer complaint received 2022-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I have been contacted by XXXX saying I owe a debt for credit card. Now I was contacted by a previous company that had this debt that proved that I did not have knowledge of this debt and did not occur this debt and sent it back to the original creditor as fraud. Now resurant refuses to do so sending harassing emails threading to sue, send me to jail and take my personal possesions.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I'm writing to discuss a problem I found on my credit report. It says status / condition is either closed or unknown. 
According to the law, when a consumer reporting agency makes a report about someone, they have to make sure the information is accurate. This means they need to check everything and show proof of verification. 
I've attached a copy of my credit report so you can see the mistake. Can you please check it and find proof. If you can't, I need you to delete the account according to the law. 
This mix-up is causing me a lot of stress, especially since I'm a single dad with XXXX kids to take care of. I really need this fixed quickly to make things easier for us. 
Thanks for your help.
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FRCA Violation loan XXXX XXXX XXXX XXXX XXXX FRCA address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX
Consumer complaint received 2021-06-16
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. (NY)

This letter is formal notice that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This does not belong to me. 
XXXX XXXX  XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. 
Personal information is wrong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I never lived at this address, please remove immediately! 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: REGIONS FINANCIAL CORPORATION (MI)

On XX/XX/XXXX I had unauthorized use on my debit card on the same day I called the company to report the amounts which were as follows, {$240.00}, {$530.00}, {$65.00}, {$84.00} and {$250.00} On XXXX XXXX I was sent an e mail from the company that they were providing a provision credit for the amount being disputed of {$74.00} which I do not understand given the amounts that I have indicated that are under dispute. 
In the email I was advised that it would take from 45 to 90 days to complete their investigation that's after my original reporting the incident it has been well past that point now and I was wondering could this office help me in this regard.
Consumer complaint received 2022-04-19
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 Account # XXXX, XXXX 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