davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
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. (NY)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions In accordance with the Fair Credit Reporting act 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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 an account without my written instructions In accordance with the Fair Credit Reporting act 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 an account without my written instructions In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-10-13
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)

I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER 15 USC 1681 XXXX IS GOVERN BY 15 USC 1681 AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX  WRITTEN PERMISSION TO FURNSH THESE ACCOUNTS ACCOUNTS XXXXXXXX XXXX # XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-01-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Adjusters, LLC (OH)

I had a pay day loan and dispute over a matter of XXXX from XX/XX/XXXX. There is a company called National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX phone XXXX that call me multiple times a day demanding I pay them {$1600.00} they have on at least 4 occasions called my place of employment and gone through a switch board operator and left messages for me most recently on XX/XX/XXXX I have on 3 occasions contacted them and asked to please not call my work but they continue to do so. Approx 1 week ago I finally received some documentation on the original loan however the amount they are demanding exceeds the amount I borrowed.I did receive a notice several years ago where either this company or another attempted to file a small claim in XXXX XXXX Municipal Court which is in a county I do not live and the case was dismissed in that court.
Consumer complaint received 2017-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

Received a letter from Sunrise Credit Services Inc. stating that I owe {$290.00} for an account I hat in XXXX XXXX XXXX. I have talked to XXXX already and there is no record of me having an account with them, they looked me up with my SS # as well as with my full name and no record was found. I have never used XXXX for anything.
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-18
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: EQUIFAX, INC. (VA)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Upon reviewing my consumer report after previously disputed Capital One has not corrected the information on my consumer report.Capital One has violated many fair reporting acts.Information is still inaccutare and not completed according to 15 U.S code 1681s ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Also according ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
As well in 15 U.S code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I the consumer Never received any statement to my mailing address! If creditor believes statement was sent to my resident may creditor show me a certified receipt showing I the consumer sign and received this statement.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I received an email from XXXX XXXX alerting me to a hard inquiry on my credit. 
I received an email from Capital One reporting that I had changed the number on my account and had been approved for a new card. I had not changed the number or applied for a new card. I called Capital One and reported the fraud. They said the account had a {$0.00} balance and that they would start a fraud inquiry.
Consumer complaint received 2024-03-22
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

I am trying to dispute the amount of {$5000.00} from XXXX, ( see attached file ). 

The item was sent back to the seller by USPS and it was recorded that the seller received the package after he promised he will refund our money from XXXX, but no refund was received from my account and I am disputing that from my credit card. 

See attached Tracking Postage from USPS and report that the item was received.
Consumer complaint received 2022-05-31
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. (FL)

I REVIEWED MY CREDIT REPORT AND I NOTICED FEW ITEMS WHICH ARE NOT MINE. I HAD MY WALLET STOLEN, SO I BELIEVE, THAT I WAS VICTIM OF IDENTITY THEFT, I HAVE NEVER SIGH ANY AGREEMENTS WITH THESE COMPANIES,.
Consumer complaint received 2022-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I REVIEWED MY CREDIT REPORT AND I NOTICED FEW ITEMS WHICH ARE NOT MINE. I HAD MY WALLET STOLEN, SO I BELIEVE, THAT I WAS VICTIM OF IDENTITY THEFT, I HAVE NEVER SIGH ANY AGREEMENTS WITH THESE COMPANIES,.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Arkansas XXXX XXXX XXXX , XXXX was paid in full on XXXX XXXX, 2014. We have the letter from them stating the account is 'PAID IN FULL '' and the Promissory Note marked " PAID IN FULL ''. This has been continuously reported unpaid. Account # XXXX. I, XXXX XXXX, was guarantor on the note, the note is originally in the name of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 
The paid in full came from XXXX XXXX General Manager.
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-05-31
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. (LA)

Equifax and XXXX are reporting unauthorized inquiries that I never authorized and I have previously disputed the inquiries in written and called Equifax on XX/XX/XXXX at approximately XXXX pm central time spoke with a rep and the representative made me verify before she took the call and I gave her all my Identifying factors and the issue still wasn't resolved. I've reached out to both the companies and the bureaus the Inquiries are reporting from and to Equifax and XXXX but they have failed to remove them from my credit report as they are hindering my credit scores and I want them removed as I did not authorize these Inquiries I never even been to these companies nor do I have an active account attached to these unauthorized Inquiries Neither company has responded to my previous letters that I have written to them besides XXXX, XXXX is accusing me of working with a credit repair company which I am not I just did my homework and researched everything I need to know about my rights when it comes to credit reports and XXXX stated they will not investigate the items I have found reporting inaccurately on my credit report. 

Equifax unauthorized Inquiries listed below XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX unauthorized Inquiries listed below XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

At the time this debt was incurred, I was on XXXX and also State of Georgia XXXX Medicaid. The original creditor must not have filed a claim with Medicaid for payment. A medicaid patient is NOT liable to pay out of pocket, can not be billed balances, and can not be turned over to collections or held responsible for balances. My Medicaid number at the time was XXXX.
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (MI)

I sent 4 registered letters to XXXX, Experian and XXXX XXXX regarding inquires that I believe to be questionable on my credit report. And on every single occasion XXXX opened and closed the investigation on the same date without any investigation at all. How do I know that because, I sent letters to the creditors and they wrote back saying that they would indeed remove the inquiry. So, if XXXX contacted, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX why do I have letters from these people? They are violating my rights under 15 U.S.C 1681 section 604 section 2 U.S.C 1681 section 611 ( 2 ) a if after any re-investigation you are unable to produce evidence : meaning that I was the person that applied for credit at these places with my signature and ALL my pertinent information SS # date of birth address everything.
Consumer complaint received 2019-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

I have been working with PHH Mortgage for almost two years to assist me with assistance. Despite multiple communications through mail, telephone, and email ; I have yet to receive any assistance. I spend hours each week trying to speak with someone who speaks English fluently. The representatives in XXXX are not knowledgeable and unable to answer any questions. I have yet to speak with my case manager. PHH has repeatedly been dishonest. In one communication they tell me that I do not qualify for a repayment plan because of my debt to income. We now have sufficient income and is told we do not qualify. I am requesting again to have either a forbearance or a repayment plan for this account. Will someone please listen and help me?
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-05-31
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account 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 2022-05-31
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account 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 2022-05-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I paid to XXXX, for a service I never asked for, and I paid {$52.00} for 11 or 12 months, which is either {$580.00} or {$630.00}. I downloaded a document to give to the Refinancing Bank. I was asked by XXXX if I wanted to continue receiving their service and I said : no. 
However, XXXX continued charging my credit card. Therefore, I had to close my credit card. Bank of America returned me three months that I paid. But after I sent a letter with all the info they wanted, they gave me a short time to answer them again. The time period was very short, so they gave me the possibility to send them a fax with the proof that I canceled XXXX. I did not have time to cancel, a service that never asked for, because after I complained to Bank of America, XXXX canceled my service. It seems that they never read my fax because they sent me a letter telling that : " Because I did not send the cancelation '' they sided with XXXX and they told me that not only they will not give me my money back but also they will charge me again for the three months they had returned the money.
Consumer complaint received 2022-12-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

The following accounts do not belong to me. I need to get these things fixed immediately, it is hindering my livelihood and my quality of life. They report inaccurate and incorrect information and it's illegal they should not report it on my credit report. 
XXXX. XXXXXXXX XXXX Installment XXXX. XXXX XXXX XXXX XXXX Installment XXXX. XXXX XXXX XXXX account XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Collection XXXX. XXXX XXXX XXXX account XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Collection XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Collection XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (OR)

This is the second statement in the mail, I have received from XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX, telling me I owe {$10000.00} since XX/XX/2021. I called them 6 months ago to inquire about the letter, and they asked me for my name, dob and my address. I didn't share it, knowing this was fake. I asked repeatedly where this company was based, since it wasn't at my house, and I told them so. The person repeatedly told me to send the letter back, return to sender, if it wasn't for me. My name is no where on the statement, but my home address is. I clarified several times, that they wanted me to return the statement, return to sender, even though they were trying to collect money. Finally they hung up on me.
Consumer complaint received 2017-07-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Pursuant to 15 USC 1681 g ( a ) ( 1 ) I requested a copy of my credit file from both Experian and XXXX XXXX. Experian responded with a copy of a credit report.During my discussion with their customer service and supervisory people. I was informed that the file and report were the same thing ; and that the my file belonged to Experian ; and that I have no right to it.I replied that the information is mine ; and the statute mandates that they provide it upon request. They stated that would not ; and that I would need to sue them ; and then subpoena the file. XXXX XXXX did not reply at all to my request,.