davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torriere Holdings INC (FL)

On XX/XX/2020 I received a phone call and a letter from Spire Recovery Solutions that an Account had been turned over to them to collect. The amount was XXXX and they gave me an account and reference number, neither of which gave me any information about where the debt originated. I had to get a credit check from one of the credit bureau 's to find out who the account was with. I never received a bill or notification until the collection agency. I sill could not get any other information except the bank that issued the XXXX credit card. It was listed as written off with the credit bureau. The account was opened and the maximum amount of XXXX was immediately charged and of course no payment was ever made. I have no idea where or how my personal information was obtained to open this account. I don't know why I never received any notification or bill if they had my information. I am thinking the collection agency just searched the name and came up with an address and phone number.
Consumer complaint received 2019-01-05
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. (TX)

XXXX is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore XXXX is reporting incorrectly on my credit reports.
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

while was incarcerated my family was to make the payments by calling the automated system and using online services back in XXXX, they were denied access to make the payments and told my " lawyer '' shut down access to any and everyone who was not me which was fraud as I never gave anyone authority to block access to make payments or to close my accounts. this happened on thee accounts of mine. I filed a complaint letter to the FTC never heard anything back but two of the three companies removes these accounts since this occurred and only XXXX XXXX and the portfolio recovery company are still ruining my credit and attempting to further damage my credit while trying to make money from me after causing so much damage. Upon my return from clearing my legal matters in XXXX XXXX XXXX after being notified of the FTC claim removed this item from my credit then placed it back on as if it was new debt in XXXX.
Consumer complaint received 2019-01-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Associates, Inc. (MO) (MT)

My husband had medical debts that went to collections. The collection agency went after me and reported these debts on my credit report only. I objected to them reporting it on my credit. I objected to to the fact that the collection bills come only in my name. We do not live in a community property state. The collection agency insists that the debt is my legal responsibility and that I have no recourse in this matter. This has damaged my credit score making me unable to buy another vehicle at a decent rate.
Consumer complaint received 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Credit Corporation (TX)

Avant is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore Avant is reporting incorrectly on my credit reports.
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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
Consumer complaint received 2020-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TN)

Afni, Inc has placed a collection on my credit profile for {$78.00}. The alleged original creditor is XXXX. I have NEVER had services with XXXX. This erroneous collection is tarnishing my credit worthiness when it shouldnt even be on my credit profile to begin with.
Consumer complaint received 2019-01-05
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: CITIBANK, N.A. (MA)

This is a transaction that was initially disputed with the citi card on XX/XX/XXXX however theyve not come to any resolution yet. Nor will they allow you to send in your proof as I was rudely told I couldnt send it in - when I asked today XX/XX/XXXX. 
The merchant in question is called XXXX They pretend to be a company in CA however they are really from XXXX. They pretend they have items on their website that are available- the items arent. I will be attaching reviews totaling over 2000 bad reviews and sites showing their scammers. They take your money and then they dont ship expedited shipping thats for sure and you dont get the goods bc they say theyre out of stock yet they dont put that on their website. 
I had called in regards to opening this dispute on XX/XX/XXXX however I told the man that they were owed XXXX but he told me he was going to put the whole amount of XXXX in dispute id is XXXX. 
Me and the merchant had gone back and forth through XXXX and the last they said was they would reimburse me for XXXX, XXXX, XXXX ( the XXXX and XXXX equal the XXXX ) youll see in their message through XXXX who did nothing bc I escalated it with citi card instead. However I still have that proof of what they were going to pay me plus they said any taxes - when I said I wasnt paying for expedited shipping bc my order never came expedited at all so they agreed to that plus any customs charge which I did not see getting billed to citi. Im attaching all that proof. Which means that I should be owed XXXX plus the XXXX in expedited shipping which never happened. They agreed to that. That means XXXX is owed to me XXXX to the scammers that citi card doesnt care about evidently. That would equal the whole amount of XXXX I was told to dispute. However Im only owed the XXXX. 
Please tell citi to rectify it ASAP its been long enough and they probably should do research on the companies theyre fighting for the customer for bc they would see these people are liars and scammers.
Consumer complaint received 2021-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I had sent a letter to XXXX, XXXX  and Transunion about my personal information on XX/XX/2021. I have not seen any change on my report or got any response from the bureaus. I would like the changes I asked for to be made.
Consumer complaint received 2018-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

On XX/XX/XXXX, Navient sent the first reminder for me to send in my application to renew my Income-Based Repayment plan for XXXX. On XX/XX/XXXX, I submitted my application for renewal and it was complete and sent and received by Navient on XX/XX/XXXX. I did not receive confirmation from Navient that it was approved and on XX/XX/XXXX, I received an email stating that my payment would be going up in XXXX to {$760.00}. However, I received a monthly statement on XX/XX/XXXX showing that I would be charged {$540.00}. Due to the difference in the amount shown on XX/XX/XXXX and XX/XX/XXXX emails, I thought that my Income-Based Repayment plan had finally gone through and my monthly amount for XX/XX/XXXXwould be {$540.00}. However, on XX/XX/XXXX, I was charged {$760.00}, despite the last communication sent to me showing {$540.00} on my XXXX statement. I called Navient and the woman that I spoke to admitted that they had made a mistake and despite having my information, they never put in my account what my new IBR amount should be. She told me she would put my request through and that my new monthly payment should actually be {$110.00} per month. She also told me that it would take about 48 hours to refund my money, if I was willing to send my bank statement showing that the {$760.00} payment was on there. If I was not willing to send my bank statement, it would be up to 10 business days after the payment cleared with them in order to get my refund. 
I received an email on XX/XX/XXXX that my IBR had been approved and that my monthly payment would be {$88.00}. Therefore, I was charged {$220.00} more than expected and {$670.00} more than I should have been on XX/XX/XXXX. On XX/XX/XXXX, I was charged with an overdraft fee due to a check that had been written prior to the XXXX charge from Navient that we would have been able to cover had we not be charged the incorrect amount. We now have a {$12.00} overdraft fee and likely at least one more coming due to autopayments that were previously scheduled an unable to cancel at the last minute after Navient charged this. Luckily, my spouse and I have other ways to cover any expenses that we need this week as we wait for the refund.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2019-09-17
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. (TX)

I was told the item for XXXX XXXX XXXX  account XXXX was deleted.. When I pulled the full report it is still on my credit report not deleted.
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX has reported on my Trans Union report on (XX/XX/2018 ) I do NOT know what these are and they don't belong to me. i don't have any accounts with this company. I need these marks taken off my Trans Union report immediately.
Consumer complaint received 2018-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Financial Resources, Inc. (MA)

Good Evening ; I have disputed this item with the credit reporting agency and with the collection company as shown on my credit report. I spoke with several representatives, and recently with XXXX at First Financial Resources and she mentioned that either my health insurance ( XXXX ) or/and XXXX XXXX ( auto insurance ) should've taken care the debt but they haven't yet. But instead of going back and forth with them, I went ahead and paid off this debt and she agreed that it would be removed permantely from my credit file. 

Also there are several inaccuracies with the way it's reporting and that's a total violation of FCRA and FDCPA guidelines. But In a good faith effort to resolve the matter amicably, I must demand the company to honor their part of the deal and remove this from my credit as agreed. 

PLEASE SEE THE ATTACHMENT!
Consumer complaint received 2024-02-08
Product: Credit reporting 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. (AZ)

I just viewed my recent credit report from XX/XX/2024 and I discovered some inquiries that I did not authorize and also have no permissible purpose, I have also attached the evidence.

These inquiries have no permissible purpose to be on my report, delete these inquiries due to violation of 15 USC 1681b. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (GA)

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 : XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Someone opened a Bank of America credit card in my name on Friday, XX/XX/2022. They immediately tried to make two purchases totaling over {$1000.00}. BoA denied the charges and alerted me to the suspicious activity. The bank subsequently closed the account.
Consumer complaint received 2020-12-17
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: ERC (IL)

On XX/XX/2020, ENHANCED RECOVERY CO L add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY CO L has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2024-02-08
Product: Credit reporting 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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2019-03-31
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. (MI)

This is a problem with Experian, XXXX, and XXXX, and any other credit reporting agencies, not the credit card company. 

The issues is that these credit reporting agencies are failing to properly disclose legitimate details for the XXXX XXXX Plan-it ( copyrighted ) service. These companies refuse to acknowledge the function that " Plan-It '' serves in that you can take up to ten larger purchases and spread the payments out for up to 12 months, for a set fee. When that occurs, the Actual balance is less, but there is a total balance that " can - and will be '' significantly greater than your credit limit. I will show an example, in a second. 

These agencies fail to show XXXX " plan it '', as separate loan, or separate line item. In doing so, they just report balance over limit by thousands of dollars and ANYONE looking at that rejects you for further credit say a car loan, or a cell phone. 

These credit agencies are working in the 1970 's with a fax machine, they need to educate themselves in modern-day 21st century finance and stop recklessly damaging peoples credit with misleading misstated information. 

This is how it works, let 's say your credit limit is XXXX. You buy a roof for the house XXXX - put it on plan it 12 months, XXXX a month plus the fee. The charge comes off, your daily running balance is XXXX, but you " Do-Have '' a total balance ( XXXX ) plus that fee. 

You then build a garage, XXXX, you had a XXXX balance on card, no problem, XXXX plus XXXX XXXX balance due, you then put the garage on a plan it, XXXX plus the fee for 12 months. 

Your balance due now is XXXX plus the fee, and your Aggregate balance due is ... ... XXXX + XXXX XXXX ... .Bingo!!! they report you over your limit. 

The credit agencies Must change immediately to stop false misleading reporting. Every one knows there is NO-WAY a credit card company will allow someone to grossly exceed their credit limit. 

Please get them to change their reporting and stop the misleading reporting.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

To whom this may concern, there are some inquiries on my credit report, that I have been disputing for a while now, THAT DOES NOT HAVE PERMISSABLE PURPOSE. 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/2022 These inquiries have no permissible purpose to be on my report, nor do I have a account associated with either of these Companies. The aforementioned inquiries are in direct violation of 15 U.S.C 1681b
Consumer complaint received 2021-03-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

We closed on this losn they had money sitting in an escrow of our along with all the Finance charges and late fees when we were never late and have not reimbursed us for any of that. We paid the loan off in good standings and they should do what's right on there part and reimburse us.
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. I also contacted XXXX XXXX XXXX fraud department and reported the identity theft issue and they confirmed that they will mail the ID theft victim 's affidavit package to my address on XXXX XXXX. 
I filed the identity theft case with FTC ( IdentityTheft.gov ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX  on XXXX XXXX, 2023. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. Along with XXXX XXXX and XXXX XXXX XXXX, XXXX more companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023. 
Also, two companies made hard inquiry on my credit report due to another incomplete fraudulent deal attempt on XX/XX/2023, and a company made a hard inquiry on my credit report due to another incomplete fraudulent deal attempt on XX/XX/2023.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: S&S Physician Services, Inc. (TX)

I disputed the debt and received no communication from Harvest showing the debt was valid or if I actually had an account. I sent a letter to Harvest along with an affidavit of truth swearing under the penalty of perjury that I never gave Harvest permission to report on my consumer report or have access to my sensitive non public personal information.
Consumer complaint received 2018-08-23
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. (FL)

Credit Check are reporting Potentially Negative Alerts from Experian credit bureau, where I did check my credit report direct with Experian and does not appear this Negative information with Experian, but this is impacting my credit score with Credit Check. 

1 ) Company XXXX XXXX XXXX Collections Status Date XX/XX/2018 Balance {$30.00} Address XXXX XXXX XXXX XXXX XXXX, IN XXXX 2 ) Company XXXX   XXXX XXXX Payment Status Collections Status Date XX/XX/2018 Balance {$30.00} Address XXXX XXXX XXXX, PA XXXX 3 ) Company XXXX XXXX XXXX Payment Status Collections Status DateXX/XX/XXXX Balance {$29.00} Address XXXX XXXX XXXX XXXX XXXX, FL XXXX