davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I noticed unauthorized accounts, inquiries, and personal info on my credit report. Someone else applied and used my info in my name. According to the FCRA ( Fair Credit Reporting Act ), these unverified and unauthorized things must be removed.
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: Experian Information Solutions Inc. (OH)

I created a XXXX XXXX XX/XX/2020 and i was trying to get my first apartment. Well to make things short i saw a collection account which is closed that is fraud. XXXX XXXX XXXX is reporting late payments on a fraudulent closed credit card in which i did not open. I called them and credit agencies but nothing has happened they run me in circles saying they are 'investigating ' it has hurt my credit score from a XXXX to a XXXX and is creating financial hardships for me. I want this account removed from all my credit reports because i did not open it and it keeps reporting late payments and hurting score. Please help me. I did not file a police report because its almost 7 years old i just now started learning about credit that is why im just now seeing this account. Also the company that XXXX XXXX  provided that 'bought ' the account is no longer in business. I need answers.
Consumer complaint received 2019-09-16
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: Santander Consumer USA Holdings Inc. (TX)

This company is not updating my on my auto loan showing my principal is decreasing which in prohibited by FCRA the information theyre reporting is not my true balance. My true balance is XXXX as XX/XX/2019 and my credit bureau report is reporting XXXX which that was my loan balance way back XX/XX/2019. This company is neglecting to report true and accurate updates to my report which is unethical and prohibited by law. When I called they told me that they update monthly but no remedy has been giving to resolve my complaint
Consumer complaint received 2019-09-16
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. (NJ)

If a company does not own a loan portfolio anymore, they do not have the legal right to continue to report such to the credit bureau. It will amount to double jeopardy when you are eventually contacted by another company seeking to collect. 
I want XXXX XXXX to completely delete any financial report issued to the CRA on my name and identification since they are associated with the loan portfolio anymore.
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NV)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Complaint Department Elan Financial Services To whom it may concern, I am writing to dispute the following information in my credit file. The item Im disputing is Elan Financial Services Account # XXXX XXXX XXXX XXXX, as reported by XXXX  XXXX. 
This delinquent account record is inaccurate because I was having extreme difficulties paying my account starting in the month of XXXX, XXXX, and XXXX. However, I continued to make my payments online and I one day received a delinquent letter that I was more than 30 days late! There was no way I was late when each month I was making my payments. I called XXXX Nevada XXXX XXXX as that is where my credit card is from. They stated a new company had bought out their old payment company and therefore payments were to now be made at MyAccountAccess.com. I had to create a new profile for me to make my payments. At this point my account was behind and I had to play catch up as I was never notified of this change. This whole time I thought I had been making my payments on time. This account has now been paid in full on XX/XX/2019 of the amount of {$1800.00}. 

I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. As you can see, my payment history is perfect other than this one mistake that I dont believe was my fault. The late payment is also showing up on my credit reports and its done a lot of damage to my credit scores. 


Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX Enclosures : Dispute Letter
Consumer complaint received 2019-09-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Eaton Group Attorneys LLC (LA)

this was in old debt from XXXX, I agree to pay this debt in XXXX I payed on this debt for 4 to 5 years tell the judgement was removed off my credit report in XXXX. Now XXXX XXXX XXXX through Eaton Group Attorney trying to open a case that judgment was release. Also during the times I was paying them it was call XXXX XXXX   XXXX by XXXX XXXX XXXX with the Eaton Group Attorney. My credit report was clear of this debt and for them to try and come back for same debt with enough name is bad business for an attorney group. I know these things have a station of liminition on how long you can go after a clinic. Please instruct this no good law firm to stop harassing me with these letter of demand from something that's almost ten years old. If you guys give me a fax number I will send you some payment I send them over the years. I also payed them through garnishment when I work for the XXXX which I retired from on XXXX. See I m on a fix income and don't need to be harass for something that I agreed to pay when I was working.
Consumer complaint received 2018-12-27
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)

On XX/XX/XXXX Under the fair credit reporting act I sent to XXXX, Trans Union, and XXXX  letters requesting to remove. unverified non- account holding inquires. 
the non acount holding inquiries were XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX all of which are unverified accounts. I also requested to have all credit freezes and security alerts removed from my account. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (LA)

Fraud dealing with computers Giving false and inaccurate information both knowingly and willingly Falsely providing information give fake credit score to make credit applications and loans get denied using my name identity theft XXXX privacy no protection You must respect my rights I know I have the federally protected right to privacy you are or did violate my federally protected right as an consumer Correct the damage done to my credit profile from each pull and consumer credit transaction that your company made happen when my data was sold and leaked over the net it was done each time my credit was extended time per U.S.Code and United States Law i demand Remedy per our Federally protected consumer rights and the US code of Federal Regulations for each Violation committed i approached each auto dealership in good faith denied for stating my rights .Sad time when knowing your rights you'll Be treated like trash credit score says XXXX I demand my the score Be fixed and noticed on each credit company they been ruining my life deceptively stealthy engaged in an conspiracy against violating my rights
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (AL)

Medical Revenue Service did not get prior consent to contact me about this false debt which is {$1000.00} violation 15 USC 1692c.

I have attached a document which shows violation 1. They have a reference number in my name which is identity theft because you do not have a contract with me so why you opened an account with my name on it.false and misleading practices {$1000.00} violation 2. Total amount due is positive. If I owed them any money the amount should be negative and not a positive. false and misleading practices. {$1000.00} violation 3.  They quoted '' If you do not pay the amount owed. XXXX XXXX may sell your account to an outside agency. It is clearly stated at the bottom this is and attempt to collect a debt which means they is a debt collection and this is false and misleading and misleading practices they using someone else name to collect a debt and threat to sell it if I do not pay XXXX violation. 
4. Medical Revenue Service falsely offering me financing for a debt I do not owe. false and misleading practices. {$1000.00} violation
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (GA)

This is not nice someone's been using my credit I have documents to court and I'm trying to get the things off my credit removed I think someone is the same name as me what has been using my ID I went to court. Release I went to jail for two weeks because someone was using my credit I even have court documents
Consumer complaint received 2018-12-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

I was in a total loss accident in XX/XX/2018. After the process, and insurance settlement with Toyota Financial Services, they are stating, after community sting to my wife and I otherwise, that we owe an extra {$3800.00}. This amount is reflective of the insurance payout after the initial estimate. We were told by Toyota Financial Services that we did not have to pay that money to them as we had Gap coverage and it was settled. After GAP processed its part, Toyota Financial Services have us 20 days to pay the full amount requested. I believe this to be in violation of the fair debt collection act.
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CA)

Both XXXX XXXX XXXX and SEQUIUM ASSET SOLUTION have been contacted about said debt. I have offered proof of finals bill payment made to XXXX  XXXX XXXX via bank statement and was told to give said proof to SEQUIUM ASSET SOLUTION than told by SEQUIUM ASSET SOLUTION to give to XXXX XXXX XXXX. SEQUIUM ASSET SOLUTION Is enforcing harmful debt collection tactics by weekly reports on credit report.
Consumer complaint received 2023-03-11
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX  XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-03-01
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (IL)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am XXXX XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2018-12-27
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. (NY)

I have been making on time payments with XXXX XXXX and it showing on all three bureaus XXXX, equifax and XXXX  credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to XXXX twice this year, with no response.
Consumer complaint received 2018-08-15
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. (PA)

On XX/XX/2018 I mailed XXXXXXXX XXXX Card Payments a letter and a check in the amount of {$850.00} ( check number XXXX ). The letter was a contract that outlined an agreement that upon cashing the check, the account shall be settled as paid in full, agree to remove any and all derogatory reporting from all credit bureaus including XXXX, XXXX and TransUnion, all collection attempts and activities cease and if contract is dishonored or violated they agree to compensate me. On XX/XX/18 the { {$850.00} } cleared my checking account. On XX/XX/2018 I called XXXXXXXX XXXX and spoke with Manager Assistant XXXX rep ID XXXX because I had received a letter from XXXX XXXX XXXX XXXX XXXX card, stating that they were unable to process my request, as they did not reflect that I had authorization to receive information on this account. Rep XXXX was able to locate my account and check ( which I also forward her a copy of completed deposited check via email ) and stated that my payment was not created to my account. She assured me that she would handle it. I also asked regarding the contract to be adhered to. Attached is a copy of the letter and cashed check that was sent. To this date, I have not seen an update of removal from my credit report regarding this account. XXXXXXXX XXXX is in breach of contract and has violated the terms of the agreements.
Consumer complaint received 2021-07-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc (NV)

On XXXX XXXX, at approximately XXXX XXXX  ( advised I may be recorded ) I contacted XXXX XXXX Collection agency at XXXX and XXXX, in reference to come to terms with a possible debt from an original creditor to wit " XXXX XXXX. '' I spoke to a " XXXX '' and a person who identified herself as " XXXX '' who informed me she was not obligated to provide me with her last name. Both XXXX and XXXX reported I owed {$3300.00} and also {$94.00} which is an amount greater than that recorded by XXXX XXXX records. When I explained to both XXXX and XXXX my financial circumstances and if they could possible offer some type of settlement amount they both stated " XXXX XXXX does not allow us to reduce the amount owed. '' I therefore, contacted XXXX XXXX and spoke to a " XXXX '' and also a " XXXX '' who reported the above statement is inaccurate and that XXXX XXXX has nothing to do with the amount owed with regard to payment thereof. I subsequently again contacted XXXX  XXXX and again spoke to XXXX, I requested to speak to the " Supervisor '' XXXX and XXXX reported that XXXX had gone home for the day and they did not have a Supervisor on site for me to communicate with. XXXX reported the Supervisor will not be available until XXXX XXXX the following morning. With respect to the above comments, I feel XXXX is in direct violation of XXXX XXXX - Operation without a Manager and XXXX XXXX Section 1 and Section 2, Subsections ( a ) ( b ) - Prohibited practices.
Consumer complaint received 2019-09-16
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2019, I was called on my landline by XXXX. I was told by XXXX XXXX, he was a network telephone support expert. He asked me if I was using my computer, I said no. He said well you won't be able to your security has been compromised. I opened up my laptop, he was right.I documented the case ID XXXX.he proceeded to say he wasn't able to obtain the security key and serial number on all my devices, he continued with we have to change the security key by obtaining physical XXXX security cards in the form of gift cards. When I questioned that, he said after you make the purchases, you will go home and go to your e-mail account and be able to see the XXXX Refund Receipt. Initially I went to XXXX, purchased 2 {$500.00} dollars gift cards with my American Express card. I opened my laptop, which was now working, went to my e-mail,, with an XXXX refund receipt. ( I have been a XXXX user for many years ). I have copies of everything. He called me back 10 minutes later, and said, it helped to get my computer to work, but my computer was not safe, the cards were old and it didn't work.This happened two more times to the total amount of {$8000.00}. I immediately, notified the local police, the FTC, the FBI, XXXX XXXX, and American Express.They told me not to worry, i would not be held accountable, due to my credit worthiness and history with them, and also my credit habits do not reflect such an obvious scam. I have been receiving bills and finally a debt collector notice. Ive been a XXXX for 38 years, was unemployed when this happened. I am currently working and I just received my first paycheck. Mind you I am 2 months behind on my mortgage. Which says so much about why I wouldn't be purchasing anything from anybody. Please help me, Sincerely, XXXX
Consumer complaint received 2021-09-23
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. (PA)

Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!!
Consumer complaint received 2022-03-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc (PA)

company name AFFIRM ... date open XX/XX/2021 ... amount {$2700.00} somebody use my social security to receive a payday loan in my name. then i received a notice on my XXXX  credit report and then i reached out and took the proper steps to get this fraudulent payday loan removed. Then i started to receive constant calls all day while at work and late at night from debt collectors about this debt with AFFIRM thats not even mine.
Consumer complaint received 2021-07-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (FL)

In XXXX of XXXX, I signed a contract with XXXX XXXX for payment of my granddaughter to attend XXXX XXXX XXXX in XXXX XXXX, Florida. Comity Capital Bank ( Acct. No : XXXX ) was the servicing agent for XXXX XXXX. Due to Covid-19, XXXX XXXX XXXX in XXXX XXXX closed their doors. In addition, my granddaughter moved away and could no longer attend XXXX XXXX XXXX. In or about XXXX of XXXX, I contacted XXXX XXXX XXXX in XXXX XXXX and advised them that my granddaughter had moved and will no longer be attending XXXX XXXX XXXX at any location. As a result, the contracts with XXXX XXXX XXXX and XXXX XXXX  was terminated. 

On XX/XX/XXXX, Comity Capital Bank advised me that I am responsible for the balance due on the loan of {$4800.00} XXXX {$7500.00} - XXXX credit ). This amount is incorrect and did not take into account the monthly payments that I had been making since XXXX of XXXX. In addition, because of Covid-19 and XXXX XXXX XXXX 's failure to timely resolve this matter, Comenity Capital Bank has improperly been charging me late fees of $ XXXX. I have attempted to resolve this matter with Comity Capital Bank ; however, they refuse to correct the problem. Instead, the bank is reporting me delinquent on a monthly basis with the three credit reporting agencies for the sole purpose of destroying my credit. As a result of the banks actions, my credit rating has dropped over XXXX points in the last seven months!