davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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: Credence Resource Management, LLC (OH)

On XXXX XXXX the collection agency Credence Resource Mana add a derogatory mark on my credit report per XXXX. Upon, Further research, this account was transferred/sold and i am no longer responsible for the account. This creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( Credence Resource Mana ) has violated my rights as a consumer and i am requestion legal actions to remove this account immediately
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

A fraud restriction was placed on the capital One account. Account holder and authorized user submitted all documents along with a bank I.D . Verification. Which was validated but unacceptable. Fraud restriction still in place and reported to bureaus as open 30days late even and no fraud statement or even account may be fraudulent. Primary holder never received credit card statement or balance ever. The Balance was paid in full and still reporting {$1400.00} with late payment status. COne was notified to note that no access to statement and pay information could result in negative outcomes
Consumer complaint received 2021-11-12
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. (NJ)

There is an account for a timeshare company ( XXXX XXXX XXXX XXXX ) listed on my credit report. I sent separate certified letters to both the company ( XXXX XXXX in FL ) and the Credit Bureaus ( Equifax and XXXX ) disputing this account. I asked for validation of this account and a signed contractual affidavit showing that this was indeed my account and not a mistake on their end. I received documentation from the credit bureau as the item being updated but nothing showing a signed contract. I have yet to receive any documentation from the company ( XXXX XXXX ) regarding this account. This account is currently listed on my credit reports as a negative item with a balance of {$14000.00}. I have never had an account with ( XXXX XXXX XXXX XXXX ) and do not even own a timeshare. I have never utilized any services related to this company.
Consumer complaint received 2021-10-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (TX)

Per my contract i will be asserting my rights as the debtor. My rights are the finance charge should have been the sum of all charges pursuant to 15 usc 1605. There was a downpayment in a consumer credit transaction per federal law when a downpayment is taken the car is considered paid in full. The entire credit sale was completed and paid for at the signing of the INSTRUMENT. 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Pursuant to 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ). You are not exemption from this. I will upload the contract which will be exhibit A the the highlighted sections.
Consumer complaint received 2021-11-12
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. (GA)

XXXX XXXX XXXX contacted me about an invalidated debt and made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations XXXX XXXX XXXX has made in their attempt to collect this debt from me. 

I am fearful that XXXX XXXX XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX XXXX XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX XXXX XXXX, for multiple consumer rights violations. Pursuant to 15 USC 1692k.
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP (TX)

I received the attached Notice of Unpaid Tolls and Penalties from XXXX XXXX XXXX XXXX XXXX in the mail on XX/XX/XXXX and XX/XX/XXXX. I did not receive an Initial Toll Violation notice from the XXXX XXXX XXXX for XXXX violation. I called the LGBS number onXX/XX/XXXX and  spoke with XXXX. I explained that I had not received an Initial Toll Violation notice from the XXXX XXXX XXXX for this violation. He stated the original toll notice was returned on XX/XX/XXXX and that the address was XXXX XXXX instead of XXXX XXXX. This explanation does not make sense as the US Postal Service delivers mail to my townhome community regardless of the Unit or Apartment designation. I have paid previous XXXX XXXX XXXX violations received at my same address and subsequently opened an account with XXXX XXXX XXXX.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with Fair Credit Reporting act the list of accounts below have violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. I have the right to privacy. 15 USC 1681 section 604 A section 2 it states a consumer reporting agency account can not furnish an account without written instructions. No consumer reporting agency may take any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more then seven years. ( XXXX XXXX ) And ( XXXXXXXX XXXX )
Consumer complaint received 2021-11-12
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. (IN)

I have a closed XXXX XXXX account. It's reporting on transunion as late by 120 days. This same account is reporting as paid on time with the other two reporting agencies. I have disputed it many times. I also spoke to XXXX XXXX about it. I recently closed my most recent XXXX XXXX account because they never fixed it. The date that I'm reporting at late on is AFTER the date my account was actually closed
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (OH)

In accordance to fair credit act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 6 a right to privacy section 604 a section 2 I did not give written permission
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

n accordance with the Fair Credit Reporting act XXXX  account number XXXX, XXXX XXXX account number 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 2022-05-18
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: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/XXXX, American Express extended an offer to switch to a card with {$95.00} annual fee and as inducement they offered {$150.00} when I spend {$1000.00}. As further inducement to spend more they offered 0 % APR for 12 months. I made the switch, spent required amount and on XX/XX/XXXX received the {$150.00} bonus. 

In XX/XX/XXXX, without notice and explanation, American Express lowered my credit limit from {$16000.00} to {$7100.00}, depriving me of the possibility enjoying roughly 5 months of no interest on {$8900.00} in spending, which at their current APR of 12.99 % is worth about {$480.00}. 

I called and asked them to reinstate my credit limit and when they said that they can not, I acted in accordance with their good faith belief that I can not pay and switched back to a card with no annual fee. 

Now, they are claiming that I engaged in " abuse, misuse or gaming '' and on XX/XX/XXXX, charged back the {$150.00} bonus. See the specific terms of the offer that PLAINLY REQUIRE that I engaged in one of the above to claw back the bonus. 

If American Express believes that I can pay extra fees then they acted in bad faith in lowering my credit limit. Alternatively, if they acted in good faith, then they can not consider my actions, which are consistent with their actions " abuse, misuse or gaming ''.
Consumer complaint received 2021-11-12
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. (CA)

I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with US DEPT OF EDUCATION , XXXX XXXX XXXX and XXXX XXXX, ./// EQUIFAX, XXXX and XXXX willfully violating the FCRA XXXX Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf with US DEPT OF EDUCATION , XXXX XXXX XXXX and XXXX XXXX./// EQUIFAX, XXXX and XXXX based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// EQUIFAX, XXXX and XXXX are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) EQUIFAX, XXXX and XXXX need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy . My consumer right to privacy has been breached in multiple counts, for multiple accounts by these agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) EQUIFAX, XXXX and XXXX may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE all accounts associated with US DEPT OF EDUCATION , XXXX XXXX XXXX and XXXX XXXX immediately from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n.
Consumer complaint received 2019-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (GA)

XX/XX/2019 I called and spoke with a representative and informed them that I had medical insurance and that the debt should've never been placed on my credit report. Also, any medical debts should not appear on the credit due to privacy and HIPAA laws which they are clearly violating.
Consumer complaint received 2022-05-18
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. (KY)

In XXXX XXXXXX/XX/XXXX and XXXX, there were 2 accounts opened by XXXX when I had asked for a credit card. Un beknown to me they created 2nd account and sent me a card in the mail along with access to a digital card the day I had applied. I was unaware of the 2nd whole new account created. When I had made a purchase with the digital card, I had made my first payment on time and signed up for auto pay to make sure that it was being paid in full in the event i make a purchase. We had went to the store in person and made a purchase using the physical card, we were under the impression that the physical card was an extension of the digital one and they were linked and the bill would be auto paid as set up prior. Since XXXX XXXX had 2 accounts created for me I was never made aware that i owed a balance on a separate credit card under my name. This resulted in a 60 day late show up on my credit report, and lowered my scores. 

I had asked XXXX to fix this mistake. I was given one excuse after another. They would not acknowledge the 2 cards being opened, my credit report shows otherwise and I had to escalate the matter. Upon escalation, I was told there would be an investigation and this matter would be resolved... fast forward 2 weeks, receive a notice stating that they were not going to fix this. I have went above and beyond to resolve this matter and they are unwilling to correct the issue. There is no reason why I would want 2 credit cards opened with XXXX XXXX and both created 1 day apart.
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

Our Mortgage service company LoanCare is delinquent in paying our flood and property insurance from escrow resulting in the policy being cancelled. We have called Loancare at least 4 times over the last 6 weeks and they have promised 3 times promised to overnight the payment to the Insurance company, but that has not been done. We have also submitted inquiries via their web portal. 

LoanCare , LLC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

i have been a victim of identity theft for a few years and i summited a dispute and police reports to all XXXX credit bureaus and they have not removed the the incorect info from my credit file. this is a big hassle trying to get my file corrected for almost 2 years now. the detective on the case has info of a suspect that used my info at a XXXX company and this has been an ongoing investigation
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

This is written in reference to Experian Credit Reporting Agency. I feel my federal rights have been violated in regards to Credit Reporting. I intend to file charges against this company. The lawsuit will be filed due to the utter lack of response from the company. When someone is a victim of wrong information being put on their file, it is simply a nightmare trying to get inaccurate/ misleading information removed from a credit file. I have contacted all of the creditors in question listed on my credit file. I have challenged all of the creditors in question listed on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each creditor in question and demanded proof that the accounts listed on my credit file contains the accurate information, such as date open, original credit limit. Documents with my signature constituting obligations that is have entered into business with them etc. I asked for proof of the alleged debt from each creditor. So fsr none of them has been sble to provide such proof to me. I have sent follow up letters to each of them and there is still no proof. I have attempted XXXX contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rrights in this matter. Under the doctrine of estoppel by silence, XXXX v. XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt can be validated. Which leads me to wonder, hope is Experian stating accounts are " verified '' on my credit report. The letters I receive from Experian states accounts " verified '' but this is not true under law. Simply contacting the alleged creditors and asking them to match up numbers in their database is not a sufficient verification. Now I am prepared to sue Experian for being such as pain in the posterior to me. I provided more than enough proof to havr accounts in question removed.
Consumer complaint received 2023-03-03
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. (VA)

I am a natural person, I am a living human being and I have rights under 15 U.S.C 1681. Equifax is govern by 15 U.S.C 1681 and they violated my rights numerous times. I demand the accounts listed be removed because according to 15 U.S.C 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

The account names listed XXXX XXXX XXXX acct # XXXX  and XXXX XXXX XXXX acct # XXXX. 

15 U.S.C 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A section 2 : also states a consumer reporting agency can not furnish an account without my written instruction. 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 7 years. 15 U.S.C 1681 s-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 2021-11-12
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (NY)

Hello, On XX/XX/XXXX, I discovered a bee charge of {$10000.00} on my AMEX card. 

This amount is the same than my balance due on XX/XX/XXXX. 

I double check my bank statements for XXXX. I confirmed to them that I paid this amount on XXXX. So there is no reason to make me pay twice my balance. 

I contacted them regarding this situation and they told me that it wasnt a charge but de misposted payment adjustment. They told me it was inadvertently made on my account. So they recognize that they made a mistake but they dont want to resolve it. What kind of customer service can justify that from nowhere you see your balance getting increase by XXXX without any explanations The problem is that right now is in my balance due for the month of XXXX ( XX/XX/XXXX ). 

So I dont understand why I have to pay twice for something that I sent them a proof that I paid already. 

I attached my bank statement where you can see that I have a proof that I made the payement on XXXX. 

The dispute case : XXXX.
Consumer complaint received 2019-07-27
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. (GA)

My credit report had an account listed from that are not mine. I disputed the accounts with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done.. Remove XXXX XXXX
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is my fifth 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 XXXX either way, block the noteworthy of any information in my credit record that came about due to fraud. Under the FCRA section 605b, I am requesting of you to remove the following accounts off my Credit File : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX If you believe that the disputed accounts belong under my name, you should have send me results of your investigation to support your claims. In the absence of such documents you should have removed the disputed accounts off my Credit XXXX.