davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-15
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. (MI)

I turned in my XXXX auto lease in XX/XX/2017. All my monthly payments were made at the time I turned in the car, there was no balance due. Further, I had this XXXX Professionally detailed costing me {$220.00} prior to turning it in, as I do with all my leases, the car was spotless. The dealer gave no indication anything was owed on this car, because there was nothing owed and I have not received any paperwork or accounting from XXXX or the XXXX dealer suggesting otherwise. 
It should also be recognized that unfortunately some dealerships have a habit trying to charge unjustified fees at the end of leases and blackmail consumers by reporting this inaccurate information to the credit bureaus until the unjustified balance is paid. 
I am requesting photos all information from XXXX XXXX XXXX that would support this phantom fee of {$760.00}. 
What exactly is the fee for? 
Documents or photos that may support whatever XXXX claims this fee is for?
Consumer complaint received 2022-07-09
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 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
Consumer complaint received 2021-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

PHOENIX FINANCIAL SERVICE / XXXX XXXX XXXX THIS WAS NOT MINE ( I HAD TO PUT FRAUD PROTECTION ON MY ACCOUNT ) this was removed from all 3 of my credit Bureau 's back in XXXX it took me several yrs to get this removed because this was never mine in the 1st place. This was just put back on all 3 of my credit reports XX/XX/XXXX and it was even just updated to being new as of XXXX  XXXX, XXXX I contacted all 3 Credit Bureau 's I asked them to remove this, because it was never mine, I tried to tell them that this is not mine and that it was removed/ deleted off my credit report back in XXXX and it just put back on in XX/XX/XXXX ( UPDATED TO NEW AS OF XX/XX/XXXX ) I fought for the last 7 yrs or more to get this off my credit report and they finally took it off because it was not mine then PHOENIX FINANCIAL SERVICE bought it in XX/XX/XXXX put it back on my credit report then just updated it as new on XX/XX/XXXX just 3 days ago as new ( IT IS NOT MINE ) i FAUGHT FOR 7 YRS TO GET THIS REMOVED XXXX  XXXX XXXX  and XXXX  will not listen to me I TOLD THEM GO BACK AND LOOK THAT IT WAS REMOVED in XXXX HONESTLY I have been trying to get them removed it again for the 2nd time, I was told once it is removed or deleted, they can not be put back on But it was put back on once again and just update to brand new on XXXX XXXX XXXX I worked so so hard over the past several yrs to get this removed for PHOENIX FINANCIAL SERVICE to buy it update it and put it back on PLEASE CAN YOU PLEASE HELP ME TO GET THESE REMOVED it was REMOVED BACK IN XXXX IT WAS 1ST PUT ON MY CREDIT REPORT BACK XXXX When I said back then it was not mine so all 3 credit bureaus removed it in XXXX and PHOENIX FINANCIAL SERVICE / XXXX XXXX XXXX Bought it said it was new updated it as a new account and it is not LOOK AT MY REPORT IT WILL SHOW THAT IT WAS REMOVED BACK IN XXXX AND IT WILL ALSO SHOW I PAY ALL MY BILLS ON TIME AND THAT I OWE NO MEDICAL BILLS THANK YOU
Consumer complaint received 2018-08-10
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. (IL)

I have been attempting to get this defaming information off my credit report and the bureau continues to say re-investigation in progress since XX/XX/2018. Every month it's the same re-investigation process for the past 5 months now. The bureau has not sent me any verifiable proof with my signature to prove the information reported is accurate.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MI)

I turned in my Infiniti auto lease in XX/XX/2017. All my monthly payments were made at the time I turned in the car, there was no balance due. Further, I had this Infiniti Professionally detailed costing me {$220.00} prior to turning it in, as I do with all my leases, the car was spotless. The dealer gave no indication anything was owed on this car, because there was nothing owed and I have not received any paperwork or accounting from Infiniti or the Infiniti dealer suggesting otherwise.

It should also be recognized that unfortunately some dealerships have a habit trying to charge unjustified fees at the end of leases and blackmail consumers by reporting this inaccurate information to the credit bureaus until the unjustified balance is paid. 
I am requesting photos all information from Nissan- Infinti LT that would support this phantom fee of {$760.00}.

What exactly is the fee for?

Documents or photos that may support whatever Nissan-Infiniti claims this fee is for?
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (DC)

I have XXXX accounts with American Express that were included in a debt consolidation agreement with my now ex-husband in XX/XX/2019. ( See attached debt consolidation agreement ). Amex marks these XXXX accounts as late in XXXX of 2019 despite being part of the debt consolidation agreement ( once the agreement is signed, which is was on XX/XX/XXXX, it's out of our hands and the debt consolidation company takes over ). The payments were not late as they were all done through the debt consolidation agreement, and the payment plan has now been completed XXXX YEARS AHEAD OF SCHEDULE, so it's very obvious that we weren't shirking our responsibilities, we paid everything on time and even several years early, yet it's still showing late payments in 2019 when they were under the debt consolidation agreement. I disputed it with XXXX and XXXX, and Amex replied to XXXX that they had updated the account, but it hasn't happened, the payments are still showing as late, and with XXXX Amex said the accounts were correct as reported so no changes were made.
Consumer complaint received 2021-05-15
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

2. XXXX/XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

3. XXXX/XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

4. XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

5. XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

6. XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX  onXX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

I received a phone call from a suspected wells fargo customer service employee saying that someone was trying to access my credit card information. He then proceeded to tell me we need to perform a test in order to make sure money was not taken. He then had me make an account to wire money. He provided me with the account number and routing number to make my profile active. He had me wire {$4500.00} from my credit card to my savings account. He then mentioned that the money that was wired would be put back in my credit card as a deposit that next day and it did not. From my savings account it went into a XXXX XXXX XXXX account which I do not have an account with. That {$4500.00} went into his account.
Consumer complaint received 2021-05-15
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. (OH)

I sent certified letters to Experian, XXXX and XXXX on XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX about inaccurate accounts that they need to verify and send their method of verification and they failed to comply. They claim that the information is valid but refuse to explain how they validated the incorrect information. Account XXXX XXXX, XXXX CARD AND XXXX XXXX XXXX
Consumer complaint received 2018-08-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (NC)

1. I opened an account in response to a promotional offer 2. Complied with requirements of the promotion - deposited $ XXXX by required date 3. The Bank is refusing to give me the promotional bonus of $ XXXX 4. Bank 's claim is that I had a previous account 5. Previous account was closed by Bank employees, due to on-line transfer issues, and Bank employees opened the new account 6. At the time I transferred the funds, XX/XX/2018, Bank employee ( I have the Name and Reference numbers ) assured me that the bonus will be paid 7. A subsequent phone call on XX/XX/2018, I was further assured that fund transfer is completed as required and Bonus will be applied to the account 8. After numerous correspondence, no action has been taken 9. I have not received any response to a letter to Ms. XXXX XXXX, Executive Vice President/ Chief Marketing Officer on XX/XX/2018 2018
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I paid off my student loans in XXXX. The lender then sold my loan, went out of business, and my loan was sold 2 or 3 more time. All while interest upon interest has been adding up for the interim XXXX  years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.
Consumer complaint received 2021-05-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Credit Acceptance is the company that I pay for an Auto Loan and the company is reducing my loan {$250.00} when I am paying {$320.00} so that I pay for the car longer also during the pandemic I had some trouble on one month because I did not have work and the company did not give me forgiveness for the month during the pandemic and did take me out of good standing and did report me late up until today 's date.
Consumer complaint received 2017-06-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (PA)

I have an item appearing from Caine & Weiner,  account # XXXX from XXXX XXXX XXXX for {$550.00} date opened XXXX/XXXX/XXXX reported XXXX/XXXX/XXXX placed for collection. I do not now, nor have I ever owed XXXX {$550.00}. I cancelled my service with them last year and they continued to bill me. Despite my not owing any money, this company continued to charge my main business checking account for hundreds of dollars. I eventually had to pay some amount to get them to stop. They agreed to stop and then without my knowledge or agreement they charged my account again and I had to file some paper work to stop them from charging my account. They have now falsely claimed that I owe them money and are damaging my credit. I want all my money returned plus interest and a letter of apology and every claim that I owe anything to them ever to permanently removed from all my credit and a guarantee that no creditor will ever approach me again for anything regarding XXXX  ever.
Consumer complaint received 2022-04-11
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. (VA)

I paid off my student loans in XXXX The lender then sold my loan, went out of business, and my loan was sXXXX XXXX XXXX XXXX XXXXre time. All while interest upon interest has been adding up for the interim XXXX years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I paid off my student loans in XXXX The lender then sold my loan, went out of business, and my loan was sold 2 or 3 more time. All while interest upon interest has been adding up for the interim XXXX  years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. Trans Union is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.
Consumer complaint received 2022-04-11
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. (IL)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Above-mentioned Accounts have 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 TransUnion Consumer Solutions 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 2021-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

My name is XXXX XXXX. My property address is XXXX XXXX XXXX XXXX NY XXXX Before Pandamic, Everything was going fine until the Tenants stop paying rent from XX/XX/2020, I have to go towards Forbearance plane which my mortgage company ( Shellpoint MTG ) was offering.I was in continuous negotiations with them and they left my house without paying me anything. I started making payments to mortgage from my pocket {$2500.00} where actual payment was {$3300.00} a month I have not able to work more hours yet and when i tried to talk to them about Loan Modification, The Representative named XXXX is telling me that they cant do anything about it And i have to pay {$3500.00} now and i am not qualified for ( Loan Modification ) company https : //www.shellpointmortgageservicing.com/ # XXXX
Consumer complaint received 2022-04-11
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. (IL)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Above-mentioned Accounts have 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 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 2017-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TN)

I have attempted to contact Diversified consultants about a collection on my report. I have no knowledge of this collection and it does n't belong to me. I have attempted to write this company and I received no response. I also did some research on Diversified consultants and this company is under information some fraudulent company practices. I want this item removed from my credit report immediately and would like to file a complaint against Diversified consultants.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (DC)

I have 3 accounts with American Express that were included in a debt consolidation agreement with my now ex-husband in XX/XX/2019. ( See attached debt consolidation agreement ). Amex marks these 3 accounts as late in XXXX of 2019 despite being part of the debt consolidation agreement ( once the agreement is signed, which is was on XX/XX/XXXX, it's out of our hands and the debt consolidation company takes over ). The payments were not late as they were all done through the debt consolidation agreement, and the payment plan has now been completed TWO YEARS AHEAD OF SCHEDULE, so it's very obvious that we weren't shirking our responsibilities, we paid everything on time and even several years early, yet it's still showing late payments in 2019 when they were under the debt consolidation agreement. I disputed it with XXXX and XXXX, and Amex replied to XXXX that they had updated the account, but it hasn't happened, the payments are still showing as late, and with XXXX Amex said the accounts were correct as reported so no changes were made.
Consumer complaint received 2022-09-28
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. (FL)

Inquiries 15 U.S code 1681n Infamis of pulls Collections, Charge offs, auto loans, student loans, credit cards : 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

Medical bill : You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report Action to put underneath each item : 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXX chapter XXXX The Following Must Be Deleted ASAP!! 

XXXX XXXX XX/XX/XXXX, XXXX {$1700.00} XXXXXXXX XXXX  XX/XX/XXXX, XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXXXXXX $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$860.00}
Consumer complaint received 2023-06-28
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. (UT)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (GA)

Franklin Collection Service has listed a balance of {$220.00} from XXXX as an original creditor on my credit reports. I have mailed Franklin Collection Services certified letters regarding this collection. This negative tradeline is currently on my XXXX and XXXX credit reports. Franklin Collection Services has not responded and has not contacted XXXX and XXXX to have this collection removed from my credit reports. 

I am asking for assistance in this matter of resolving this problem. Attached are my letters and certified receipts.
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (OH)

In 2020 I called AT & T to get service for my new apartment on a recorded line and was informed that I already had an account with them. I inquired as to when, where, what and how. The representative informed me that the address was an apartment on XXXX XXXX XXXX ( that I was not associated with ). I informed them that I never resided there and wanted the service terminated. I requested to speak with a manager to ask how they allowed someone to open an account and get service installed without my knowledge or consent. I was told that there was nothing that could be done. 

Now today I received a notification that I owe {$2500.00} for that fraudulent account. I would like this debt cancelled and not reported to my credit report as this was identity theft and can be confirmed by listening to the recorded call with AT & T.