davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
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: FIRST NATIONAL BANK OF OMAHA (NE)

Fnbo- XXXX XXXX I found a bunch of XXXX charges on CC and I called to have the disputed. And they denied the claim saying I took part in the fraud. When I called the they told me that if someone in my house used my card without my permission it is still considered a valid charge. Although nobody in my house used my card to my knowledge. They will not reverse the charges.
Consumer complaint received 2020-08-01
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. (DC)

Thsi must be the 4th or 5th time I've disputed an item from Experian. XXXX XXXX XXXX XXXX XXXX  corrected and deleted data off of my report and Experian lazily will not do so. 

I include letters to Experian and the most recent dispute item from Experian today XX/XX/XXXX after I notified them of the erro for the 5th time.
Consumer complaint received 2021-07-19
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. (NY)

The bureaus reporting inaccurate information with serious violations of Federal Truth in lending Act and FTC law. 

Causing financial injury and economic hardship. 

Explainable attachment included.
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

They provided their proof of the debt, but it still isn't fully correct. The debt has been bought and sold over several years by many collections agencies and the debt amount keeps increasing. The original debt was less than {$1200.00}, but now the debt is almost $ XXXX. The debt was from a credit card I had in my name, and my ex husband had forged my signatures etc and caused the debt. I did not learn about it until after our divorce was finalized. And that debt is well over 15 years old.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: AMERICAN EXPRESS COMPANY (MA)

Evidently amex didn't read the complaint the first time so this complaint as all other cards have not responded to me they have contacted my attorney. 

So please cease your auto pays Additionally AGAIN Please be advised that you need to cease with telling me I'm late ... by email ..letters to my address or phone. Or any means... so also stop with your auto reminders that I'm late ... I'm obviously aware I retained an attorney ... you can reach him at XXXX XXXX XXXX Address -- XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX If you're going to reply to this your reply should be like what other cards are doing they aren't talking to me about anything anymore... obviously you guys can't understand bankruptcy laws. 

Last warning!
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Type : XXXX Status : Dismissed Reference # XXXX XXXX XXXX Amount : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : {$0.00} XXXX XXXX  XXXX Add a custom Message Type : XXXX Status : Dismissed Reference # : XXXX XXXX Amount : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

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 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 2020-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank has my credit card mark as a late payment back in XXXX I called them to alert them to ask for a extension to pay the bill at a later date, Wells Fargo ok that I can pay the bill 20 fays later. And which I did, Next you know they mark me as a late payment. I would like to get that situation cleared up.
Consumer complaint received 2019-09-14
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: Experian Information Solutions Inc. (FL)

EXPERIAN HAS SOME INQUIRIES ON MY CREDIT REPORT THAT ARE NOT MINE. 

XXXX XXXXXXXX -- NOT MINE XXXX   -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX  -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX -- NOT MINE XXXX  XXXX XXXX -- NOT MINE XXXX -- NOT MINE XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX -- NOT MINE XXXX XXXX  XXXX -- NOT MINE XXXX  XXXX XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX   XXXX XXXX -- NOT MINE XXXX   XXXX XXXX -- NOT MINE XXXX XXXX XX/XX/XXXX -- NOT MINE XXXX XXXX XX/XX/XXXX-- NOT MINE XXXX XXXX XXXX XXXX  | XXXX XXXX XXXX. XXXX XXXX XXXX. | XXXX XXXX XXXX  XXXX   XXXX  XXXX | XXXX XXXX   XXXX XXXX XXXX XXXX | XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Consumer complaint received 2018-12-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (TX)

Since all effort to resolve the issue on this account has not been responded to I hereby request for the details and the information of the person in your company to send the law suit to resolve this issue in court. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

I request you to provide me the address of the person to send the law suit to be in court in my county. At this time, the court has to determine whether you're in violations or not. 

Please provide me the name and address of who to send the court paper work to. Thank you. 

XXXX XXXX
Consumer complaint received 2022-07-09
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. (NJ)

I have a closed a count on credit report which has disputable closed dates showing on XXXX  transunion and XXXX. XXXX shows that the account was closed XX/XX/17, transunion is showing the account closed XX/XX/17. This information isn't consistent on reports.
Consumer complaint received 2019-09-14
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: K STREET FINANCE, INC. (CA)

On XX/XX/2018 I had loaned my vehicle XXXX XXXX to an employee I just hired he took XXXX home to load tools in it his friend borrowed it to go get gas was pulled over and car was impounded I was notified a week later when Mullen finance contacted me saying I owe them {$2500.00} for tow fees and 1 late payment Which a week prior to my due date I contacted the lady at the front desk and her and I had a promise to pay agreement and it was in their computer. Wo which a week prior to my due date I contacted the lady at the front desk and her and I had a promise to pay agreement and strong armed me basically for my vehicle or {$2500.00} and I was not able to get my car myself the police and finance company did not contact Me The registered owner to even retrieve my car? The finance company and I were arguing on the phone and he kept calling me a XXXX when clearly I was not saying nothing racial he hung up on me I have voice recordings of him he is very unprofessional hung up on me and send me fake court order appearances, Basically said he mailed me a court order to appear but never received it I called back to retrieve my car with the money and you kept hanging up on me was very rude and did not cooperate and want to give me my car and said he sold it
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

Summary : My credit score has decreased by a significant amount due to GM Financial incorrectly attempted to charge me for two months after the end of a new car lease, even though I had paid-off my entire two year lease term one year in advance. Also, I have purchased this car after my lease term had ended, but had still been charged for two months of car lease payments. Once I had noticed this, I had provided a written dispute to GM Financial, insisting they fix this unnecessary issue. Very shortly after, they had closed my account, but they had never fixed the reporting to the credit bureaus to reverse the two subsequent months of reported delinquency on my account for any of the credit bureaus, and therefore I am still suffering from the negative impact they have caused me from a drop in credit score rating by more than 60 points. Their acknowledgement of quickly closing the accounts upon my dispute to them shows they understand they have made an error resulting in a financially  negative impact to my credit report, though, they have chosen not to take the necessary steps to correct this error. 

Details : GM Financial attempted to charge me an additional two months of a lease term ( $ XXXXmonth for each of those two months ) than had ended and were not due, resulting in a significantly negative impact on my credit report/score. 

GM Financial attempted to charge me for the months of XXXX and XXXX of 2018 ; I should not have been charged these two months, but was nonetheless charged late for these two months. 

GM Financial then closed my account as a response to my filed dispute on XX/XX/2018, but they had failed to report that I had not been late, or even that these falsely manifested payments never existed. Due to this, my credit score has decreased significantly, hindering me from successful financial management going forward.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (MO)

Credit Karma has locked me out and to be able to access my account, this was the email they sent. I have 3 emails. I changed phones and went to sign in the app and it wouldn't let me. I contacted Credit Karma. They sent this to me in another email as well. I did not give this info to sign up and dont think its appropriate to send it to them considering its very personal info that could be used to steal my identity. 
XXXX XXXX Credit Karma Member Support, XX/XX/XXXX, XXXX XXXX  PDT : Hi XXXX, Thank you for your response. To help you, I need to verify your identity. You can securely upload your identity verification documents using the link at the bottom of this message. 

Two different forms of identification are required - either two primary or one primary and one secondary document.

I can only accept documents that are current and valid, not expired.

Please make sure that all four corners of your documents are visible when you take the photos. ** Primary documents include : Drivers License or State ID Passport Permanent Resident Card ( Green Card ) Military ID ( requires front and back ) Secondary documents include : Another document from the primary list Birth Certificate Social Security Card ( can't be laminated ) Full Utility Bill such as gas, water, electric or internet.

Your service at address must match whats on file with XXXX or XXXX. We can not accept credit card or banking statements or a cell phone bill.

For your security, please do not send your documents as email attachments.You can upload images of your identity verification document ( s ) here : XXXX XXXX  XXXX I'll send you an email as soon as I review your documents. 

Thanks Credit Karma Member Support
Consumer complaint received 2023-03-10
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. (NJ)

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. In accordance with FCRA, I am requesting these accounts 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 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 2022-03-19
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. (NC)

Transunion continues to verify as accurate accounts that are a result of identity theft and fraudulent charges. One collection account is completely fraudulent, XXXX, and they continue to report it and will not remove it. The second account is a compromised account by discover. They have been provided a police report as well as documentation but they refuse to block it. They have ignored FCRA regulations and deadlines as well as internal processes regarding this matter. 
The transactions from these accounts are a result of transactions not made by me.
Consumer complaint received 2019-09-14
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. (NV)

There's lot of inquiry that I have no idea what happened, but there's also address I don't recognize and a social security number also I'm trying to fix my credit reports please I'm reporting it as fraud
Consumer complaint received 2019-09-14
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. (CA)

XX/XX/2019 wanted to get information regarding disputes and was not getting any information I asked for was told was going to file complaint was told to do so. submitted several time to have disputes nothing has changed.
Consumer complaint received 2019-09-14
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. (PA)

I paid all my credit cards down to a XXXX  balance at least two weeks before the minimum payments were due via check by mail. All of the companies received payment except one. I hadnt realized they didnt receive the payment until I got a notification on my credit report that I was 30 days delinquent. I then called the credit card company to see why I was being reported delinquent. The representative explained they had not received payment. I then stated I'd sent the check and asked if they wanted me to stop payment on the mailed check and submitt another check. The representative said yes. She stated she would notate the account and told me not to worry. She told me they would put my account on hold so that it wouldnt go into collections due to the circumstances. I was also told due to the circumstances of the lost payment and as a courtesy that they would not report 30 day late on my credit report. Since then I submitted another check and the company has received and cashed the check but did not hold up their end of the bargain. They are reporting 30 days late to the credit bureaus which is harming my credit score.
Consumer complaint received 2019-09-14
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: EQUIFAX, INC. (CA)

XX/XX/2019 wanted to get information regarding disputes and was not getting any information I asked for was told was going to file complaint was told to do so. submitted several time to have disputes nothing has changed.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I paid all my credit cards down to a XXXX balance at least two weeks before the minimum payments were due via check by mail. All of the companies received payment except one. I hadnt realized they didnt receive the payment until I got a notification on my credit report that I was 30 days delinquent. I then called the credit card company to see why I was being reported delinquent. The representative explained they had not received payment. I then stated I'd sent the check and asked if they wanted me to stop payment on the mailed check and submitt another check. The representative said yes. She stated she would notate the account and told me not to worry. She told me they would put my account on hold so that it wouldnt go into collections due to the circumstances. I was also told due to the circumstances of the lost payment and as a courtesy that they would not report 30 day late on my credit report. Since then I submitted another check and the company has received and cashed the check but did not hold up their end of the bargain. They are reporting 30 days late to the credit bureaus which is harming my credit score.
Consumer complaint received 2023-03-10
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. (TX)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (NY)

To, EXPERIAN Never applied for these accounts, please delete these inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank You.
Consumer complaint received 2020-08-01
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. (NY)

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.