davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

To whom it may concern, My friends and I feel it's important to take off derogatory accounts when they're expired, to make credit scores easier to understand and update personal info in a timely manner.It seems when i talk to them they don't want to help me rectify things like what happened in XX/XX/2017 when I tried to reconcile issues with you, unfortunately my instructor who helped me is no longer available to discuss this with you. Also I had a XXXX XXXX account that wasn't removed that should have come off my record and some fraud alerts that was not taken seriously. Thanks.Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2018-09-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

I was the victim of identity theft and was contacted by XXXX XXXX regarding a loan that was past due. I advised them I am disputing this as I never opened any lines of credit with XXXX XXXX. This was in XX/XX/2017 and it is still showing on my credit report.
Consumer complaint received 2023-06-13
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. (CA)

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. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-08
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. (TX)

I disputed the accuracy of the information on my credit report as listed by XXXXXXXX XXXX  Experian responded that the information was verified as accurate, I requested an investigation. They stated that the information was verified as accurate. I put in a complaint with your office and the company said they provided me with contract and payment information by mail, they did not and have not to this day. I mailed a letter to Experian requesting a copy of the statements and contract with them and any document giving them the ability to collect because I do not have an account with XXXX XXXX XXXX called Experian to determine if this information request was listed correctly, it was not. I asked them today via phone for the method of verification of accuracy based on 611 of fcra XXXX XXXX and the special services department told me that they had no idea what I was talking about. It is my understanding that the credit reporting agency provides consumers with a method of verification based on that rule.
Consumer complaint received 2024-03-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Exeter Finance, LLC. (GA)

I ask them to verify the debt, Under the XXXX XXXX  XXXX use XXXX, it is a crime if companies don't accept XXXX. XXXX use XXXX debt discharge XXXX XXXX, XXXX use XXXX validation of debt, they could not validate the debt because it was XXXX XXXX with a XXXX balance, No consent was given under XXXX XXXX XXXX XXXX due to XXXX, XXXX XXXX XXXX presented for debt. XXXX, and deception on behalf of XXXX XXXX and Exeter Finance. Exeter also changed names and breached any and all contracts.
Consumer complaint received 2019-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST NATIONAL BANK OF OMAHA (AL)

I was contacted by XXXX XXXX XXXX ( XXXX XXXX and XXXX XXXX ) XXXX for a debt owed to XXXX XXXX. They threatened to sue me, but would not confirm the last four of the account number, the amount owed, or provide a debt validation letter. They said they are absolutely unable to send me anything regarding this debt. The issue is that I have paid this debt, and was attempting to verify it was the same one. I only ever had one XXXX XXXX Card. I have contacted the original attorney that had the collection. I received a paid in full letter with the last four of  the account number on it. XXXX XXXX XXXX  would not confirm the account number. They would not provide a debt validation letter. They would in no way attempt to verify the amount paid. They would not give me anyone else to speak to.
Consumer complaint received 2018-09-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC. (MD)

I paid Cashnet usa on XX/XX/2018 in an attempt to try and pay the loan down. Cashnet USA agreed that they would lower my payments to {$30.00} a month because I requested a readjusted payment schedule because I only get paid once a month and they have my updated bank statement to validate. They refused to accept the new payment arrangement and and they keep calling me and harrassing me for the full amount when they already know that I do not have the money and they keep tacking on interest so I will never be able to pay the loan back or it will take a long time to repay the loan. They are demanding that I pay what I dont have at this time.
Consumer complaint received 2022-03-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2019-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (AZ)

Phoenix financial is on my credit report. I disputed it on XXXX XXXX to verify accuracy because I have no knowledge of this account. It was completed XX/XX/19. I still dont know who the original creditor was and why I owe them money
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I selected a Capital One Spark Business card because of their rewards program, and in particular, a {$500.00} cash bonus for spending {$4500.00} within the 1st 3-months. I carefully tracked my spending during those first 3-months to ensure that I would reach the {$4500.00} limit. I assumed that 3-months means the 1st 3-months you are using your card, or the first 3 statements. Capital One, however defines the first 3-months as starting on the date your account is opened, although you do not receive your card for about 7 days after that date. 
Due to this definition of the first 3-months, which is not clearly stated anywhere, including in their fine print, Capital One determined that I was not eligible for the {$500.00} cash bonus, despite the fact that I exceeded the {$4500.00} limit and spent {$5000.00} in my first 3 statements, or the first 3 months after having received my card. 
I made 5 separate phone calls ( and spent several hours of my time ) to Capital One Spark Business Customer Service, and was not able to have this issue resolved. I was told by one customer service representative, that Capital One may change the way they count the 3-month period, to count 3-months from when the card is received, as many customers have had the same issue.
Consumer complaint received 2018-09-12
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (CA)

I am a victim of identity theft and I pulled my report last year and noticed fraudulent student loans took out in my name. I have been trying close to a year now to resolve this issue by contacting ; XXXX, XXXX, XXXX, Navient and my local police department to file a report. I even filed a FTC report to clear my name, I even provided this information to Navient & XXXX and they are still refusing to help me. $ XXXX in student loans I did not take out is in my name. I am a XXXX XXXX XXXX  without a XXXX XXXX XXXX. 


Account Number : NAVIENT XXXX / XXXX - XXXX
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (GA)

On or after XX/XX/2018 I contacted and spoke with a representative from XXXX XXXX. I was told they were collecting for XXXX XXXX for a bill that I owed and the details were discussed. I told the representative that I would be handling the debt directly with XXXX XXXX and they should cease and desist all communications and actions with this account. I was further told fine maam and was abruptly hung up on. I further proceeded after verbally communicating with XXXX XXXX to send a certified return letter stating according to the FDCPA to cease and desist all actions and communications with me. XXXX XXXX received and signed for the letter on XX/XX/2018. To no avail, Online Collections reported this collection to the credit bureaus on XX/XX/2018. I contacted XXXX XXXX  again on XX/XX/2018 and spoke with XXXX the assistant manager who refused to give her last name and was very rude in her demeanor. I attempted to let her know that I sent a letter and went over it with her but she rudely cut off. XXXX stated the law only applies to communication we can still report it to the credit bureaus. I told her she clearly wasnt knowledgeable in the law pertaining to Public law 95-109 and 99-361. Needless to say, the conversation did not end up nowhere. I made her aware that I would be contacting the Federal Trade Commission and my Attorney General 's office. She then asked for my attorney 's information. I stated there is no need for me to give that to you and the proper channels will contact Online Collections.
Consumer complaint received 2023-06-13
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EXPERIAN/XXXX the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX has received a certified letter as well as documentation to verify my current address, full name, ssn etc. They refuse to correct the inaccurate addresses they have listed, even after receiving proof of residency from me. Remove any names other than my full name which is provided to them with my ssn card and drivers license.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY NOT REPORTING CORRECTLY XXXX  HAS XXXXXXXX XXXX XXXX THIS ACCOUNT DOES NOT HAVE UPDATE IN COMMENT SECTION & PAYMENT STATUS DOES NOT HAVE 120 DAYS IN THIS SECTION THERES NO REPORTING MONTHS FOR XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX AND IF I PAID ON XX/XX/XXXX I SHOULD HAVE A OK ON THAT PAY MONTH BUT I DONT. THIS ACCOUNT NOT REPORTING CORRECTLY PAYMENT HISTORY INCORRECT IN STATUTE OF LIMITATIONS. THERES NO NOTICE OF DISPUTE IT SAYS CLOSED I CIRCLED EVERYTHING IM TALKING ABOUT IN PDF XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is reporting inaccurate on XXXX XXXX 90 days & XXXX  HAS 60 days. last reported dates are wrong & different last payment XXXX  HAS XX/XX/XXXX & XXXX HAS XXXX XXXX XXXX XXXX XXXX DATE CLOSED SECTION THE ACCOUNT SAYS MAXIMUM DELINQUENCY 90 DAYS IN XX/XX/XXXXXXXX  THIS ACCOUNT DOES NOT HAVE REPORTING DATE OF XX/XX/XXXX THIS ACCOUNT SHOULD HAVE LATES IN IN THE PAYMENT HISTORY BUT DOES NOT THAT INACCURATE INFORMATION REPORTING ON MY REPORT HURTING ME. Im sorry but this account inactive delete this account for frca rights THIS ACCOUNT IS REPORTING 90 days FOR TU LATE BUT NO LATES IN PAYMENT HISTORY NEED REMOVED DUE TO INACCURATE INFORMATION DUE TO CONSUMER RIGHTS inaccurate whole account. THERES NO COMMENT FOR NOTICE OF DISPUTE ITS SAUS CLOSED. EVERYTHING I CIRCLED IN THE PDF FOR PROOF Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 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. 

XXXX
Consumer complaint received 2022-07-25
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 appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

XX/XX/2021 : Purchase electronic from XXXX using PayPal pay in 4, payment processor due to its flexibility. I notice PayPal purchase protection. 
XX/XX/2021 : Receive the item with quality or shipping defect after testing out.

XX/XX/2021 : Contact XXXX. Their agents are scripted and not in the power to help me. 
XX/XX/2021 : Contact PayPal via chat. Agent told me how to file dispute. 
XX/XX/2021 : Filed escalated dispute. 
XX/XX/2021 : The merchant replied to return the product to be eligible for a refund but at my own expense. I have no option to rebut from my side, only option to upload shipping info. PayPal is not investigating in the interest of consumer but in favor to merchant. They only give me option to enter or upload shipping info after the return.

So I asked PayPal, " The reason I opened the dispute case was because of product defect whether due to shipping mishap or factory error right out of the bat. Why would I need to return ship to XXXX at my own expense while Its not my fault and covered by PayPal purchase protection? '' PayPal closed my chat with no answer. They are avoiding. 
XX/XX/2021 : PayPal is sending out the email about some changes to legal agreement. Guess what. which includes changes in purchase protection without detailing anything.

but there is no answer or closure for me in dispute.

The industry is taking a toll because the company like PayPal is not doing the job investigating from the side of consumer and letting merchants to rip-off when they shipped the product with no QC. It was like you go to auto shop for an oil change and was charged and told the oil change was done without actually changing the oil. Basically nothing has done and the consumers like us getting charged. In fact, ripped off. 
Moreover, even shipping back to XXXX, at my expense and not at my fault, is another job for consumer and it requires me to fill out custom form and then I am asked to provide XXXX XXXX XXXX ( XXXX ) number which I got no idea what that is. So, how do I ship back? Still, no answer from PayPal.
Consumer complaint received 2022-03-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-South Adjustment Co., Inc. (AR)

XX/XX/XXXX XXXX XXXX reported to XXXX XXXX 6 delinquent accounts in my name for XXXX Arkansas. I only had 1 account with XXXX Arkansas in my name for medical care i recieved, when I broke my ankle in XXXX. When XXXX Arkansas sent the information to mid south adjusting, they sent each follow up visit as a separate bill/account. I only have 1 account with 1 balance that I'm paying on. When Mid South received the information they reported to XXXX XXXX 6 individual accounts for XXXX Arkansas in my name. The way they are reporting this to my credit report as 6 different accounts is completely unethical and wrong! I contacted XXXX Arkansas, who informed me it had been turned over to Mid South Adjusting, and I would have to talk to Mid South adjusting, when I called Mid South Adjusting, they said I would have to call XXXX Arkansas that they ( Mid South ) couldnt change anything. After 3 rounds of beig referred to the other company I have become completely frustrated. I have tried disputing the information through XXXX XXXX and have gotten no where. Now to top it all off I go and check my credit report for XXXX XXXX and they have listed all of the Mid South Adjusting ( 6 ) as Chapter XXXX wage earner plan account. Yes I was in bankruptcy, discharged in XX/XX/XXXX, but I never added these medical bills to that bankruptcy. I tried to dispute it via XXXX XXXX and and I get no where, it says I already summited a dispute. Oh and FYI I am making {$250.00} a month payments to Mid South Adjusting on a {$6000.00} balance combined 1 amount for 1 account, because they said they could not accept any less than that a month or they would garnish my wages. It is really putting me in a bind, but I'm trying to get this done and when I ask them to correct information I get the run around!
Consumer complaint received 2019-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX and XXXX is supporting Capital One on leaving a business account on my personal credit report. I disputed so many times with them and unfortunately they refuse to take it off by allowing Capital One to say for them to keep it there. Please help me, my business name was XXXX XXXX XXXX XXXX and unfortunately it is not in business anymore because it didn't bring enough revenue. Thank you!!! XXXX XXXX.
Consumer complaint received 2018-09-12
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account doesn't belong to me. 
XXXX XXXX This account doesn't belong to me. 
XXXX XXXX XXXX This account doesn't belong to me.