davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I received a letter stating that I was late on a payment from XXXX around XX/XX/XXXX. I didn't know what it was as I didn't have any open accounts with XXXX so I sent a letter to them asking them to verify the account in writing in which I never heard from XXXX. I thought it was a mistake. Then in XX/XX/XXXX, I got an alert from my credit bureaus that XXXX said I was 30 days late XX/XX/XXXX. I then tried calling XXXX  and was told that there was a mistake on how the account was closed so there was a {$25.00} fee added to the account. XXXX closed this account long before I was done with the payments and I only found that out through my credit report. The account has ALWAYS been in good standings up until they added this 30 day late on a closed account. I wasn't banking with XXXX  either so I would have no way of knowing about any fees accessed. There was no notification of any fees due. The XXXX rep stated that she fixed the account and any fees were taken off and that she had properly closed the account on her end. I asked her about the 30 day late and she stated I would have to dispute the account. After talking to several XXXX representatives, I finally got one that stated I should not have receive a 30 day late and that she was disputing the late to have it removed from all 3 credit bureaus. After it was removed, then I get another alert that a 30 day late had been added again to this account for XX/XX/XXXX. There were no issues with this account until they made an error on this CLOSED account and added this 30 day late in XX/XX/XXXX. Now all of a sudden I'm late in XX/XX/XXXX. I was NOT late in XX/XX/XXXX. I spoke with another XXXX rep on today and he stated that it LOOKS like I was late in XX/XX/XXXX by making half a payment on one day then half a payment on another day. This is TOTAL XXXX from XXXX. I'm not sure why they are purposely trying to mess up my credit, other than not wanting to except they were wrong in the first place to give me a 30 day late in XXXX when I was not late. I feel that XXXX is purposely trying to punish me because I fought this mistake they made. How can I go with no lates with this account since XX/XX/XXXX, and now all of a sudden lates are coming from everywhere on a closed account. This is not fair or ethical for a business to do. The credit bureaus also are not investigating this matter, they are excepting whatever XXXX says and reporting it. Now XXXX is showing that the account was closed XX/XX/XXXX, when it was closed years before. If XXXX had answered my request of verification when I first asked for this in writing, none of this would be happening. Although they claim their was an issue on their end with the closing of this account, I don't see how that's possible when they closed it, as I had no access to it anymore and it was updated on my credit report as closed.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I called bank to check on balance and was concerned as the amount was less than it should be, the next day I called and my account was over draft. The bank informed me of transactions I was unaware of from my ATM card they suggested to get a new card and so I did this time they did not provide a claim numbe. 
The nex day I clled again and now the over draft was larger and I agin stated it was not me as I keep track of my transactions as I am trying to save some funds towards the future. This time I recieved a claims number. They issued another card. I chekced again and the amount had increased for the over draft and was told that the card was used and I became concerned as I had yet to activate the card. The bank said they would put a hold on the card. I was issued another card and when I called the bank it had been used again. It was a new card and it was yet to be activated!! the bank suggested that I closed the account and restart new. I can not close as my account is overdrafted. they issued another card I did not activate it .... the new card was used the over drft was less than two hundred it is now almost three hundred. I have threee new cards and have activated no cards but someone is still using my ATM cards!!
Consumer complaint received 2019-03-26
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. (NJ)

XXXX is reporting XXXX XXXX with a date of first delinquency of XX/XX/XXXX the date I filed for Chapter XXXX bankruptcy. The account was opened XX/XX/XXXX and was never paid. Date of first delinquency must be no later than XX/XX/XXXX but more likely XX/XX/XXXX. Either way date of first delinquency is greater than 7 years and this account must be deleted.
Consumer complaint received 2019-03-26
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. (NJ)

Transunion is reporting XXXX XXXX with a date of first delinquency of XX/XX/XXXX the date I filed for Chapter XXXX bankruptcy. The account was opened XX/XX/XXXX and was never paid. Date of first delinquency must be no later than XX/XX/XXXX but more likely XX/XX/XXXX. Either way date of first delinquency is greater than 7 years and this account must be deleted.
Consumer complaint received 2022-10-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA Ford Motor Credit XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX To Whom It May Concern : I have previously sent you a request to validate my debt, account number xxxxxxx on XX/XX/2022 Requesting to be provided : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Under, the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation that you did receive my letter on XX/XX/2022.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers license, and W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.
Consumer complaint received 2022-05-30
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. (CA)

in acccordance with the fair credit reporting act XXXX  Account # XXXX, Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 writing instructions.
Consumer complaint received 2023-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc (IA)

I have been trying to resolve this issue since XXXX of 2020. However, The Best Service Company fails to respond to certified letters asking for Validation of alleged debt under FDCPA. Enclosed is a letter that was sent with no response back period. The amount currently being reported is {$420.00}. 

I have been subjected to emotional and physical damages. Under the FDCPA, I am awarded upto {$1000.00} per violation. I have maintained excellent records.
Consumer complaint received 2022-05-30
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} TRANSUNION : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX PXXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$590.00}
Consumer complaint received 2021-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP (LA)

I received a loan from republic finance. I defaulted on the loan because I I fell into financial hardship. I was sued in XXXX and a judgement was rendered to me by XXXX XXXX.This judgement is over ten years old. They have charged me over 10 times the the loan and interest is recurring on interest. As a single mother it is no way I can come up with over four thousand dollars. I will be paying this loan for the rest of my life. I recurred {$2500.00} in interest Thur XX/XX/XXXX which is more than my principal balance XXXX and XXXX in attorneys fees and the more I pay the more my balance goes up. I am near XXXX  working 80 hours a wee to keep a roof over my kids head Im almost left no choice but to file bankruptcy
Consumer complaint received 2018-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It XXXX Concern, I recently pulled another copy of my credit report and noticed the following information are in error and still have not been corrected : This letter is my final communication in regarding the inaccurate entries being reported on my credit report. 

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at : XXXX XXXX XXXX, XXXX, NY XXXX. 

I am seeking {$10000.00} in damages plus {$1000.00} per incident for : Violations of the Fair Credit Reporting Act - including but not limited to Section 611 Violations of Defamation Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 


Prior to our court date if you should decide to correct your records and remove the negative and false item in question, please contact me at the address below, and I will subsequently withdraw the lawsuit. 

My contact information is as follows : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Cc : My Attorney Credit Inquires : The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : ( List all the companies that have pulled your credit, whom you did not give permission to do so ) 1. XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 4. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5.  XXXX XXXX Inquiry from XX/XX/XXXX 6. XXXX XXXX Inquiry from XX/XX/XXXX 7.  XXXX Inquiry from XX/XX/XXXX 8. XXXX Inquiry from XX/XX/XXXX 9. XXXX Inquiry from XX/XX/XXXX 10. XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my non-drivers license as proof of identity.
Consumer complaint received 2023-02-20
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-16
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. (AR)

Closed accounts still on my report. 
Accounts in collection and on my report that have not gained my permission to obtain my report or add anything to it.
Consumer complaint received 2022-01-25
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (CA)

XX/XX/15 I purchase and XXXX  XXXX XXXX from the dealership of XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX Ca. The lease was denied by the Dealership and GM Financial on XX/XX/15, I try to return the the vehicle to the dealership and the return of the downpayment of $ XXXX.GM Financial Stated that I had sign a Auto Lease and The Lease is valid. I inform GM Financial 0n XX/XX/15, that you GM Financial has Denied the Lease Application, Credit- Application and there was No New- Application written after therefore any Any agreement there after is invalid.
Consumer complaint received 2022-05-30
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$200.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$590.00}
Consumer complaint received 2019-03-26
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. (NJ)

I sent out a certified letter to XXXX last month requesting verifiable proof ( an original consumer contract with my signature on it ) for a few accounts listed. I received the results of my dispute report yesterday with no proof at all stating its verified. These accounts/creditors have reported on my XXXX report and have also failed to provide any documentation as well. I would like for this matter to be resolved as soon as possible.
Consumer complaint received 2015-07-21
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc (CA)

I sold my XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did a release of liability online on XX/XX/XXXX. The vehicle was in a hit and run accident on XX/XX/XXXX. DMV had not processed the release of liability by the date of the accident so the Police report shows me as still being the registered owner even though I was not. National Service Bureau , Inc. keeps harassing me with letters trying to make me pay this debt. I have given them the information of the new owner of the vehicle. I have contacted DMV and they are way behind, months, in processing paperwork. I can provide the debt collector with a copy of the new pink slip with the new owners information and the transfer date of XX/XX/XXXX but they will not accept this as proof. It is going to cost me money and time to provide release of liability, which I am willing to do but this debt collection agency is going to keep harassing me until I provide them with the information that they want. The agent I am dealing with will not let me get a word in, he talks very loudly over me and will not listen to a thing I have to say.
Consumer complaint received 2023-02-20
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)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX