davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (AL)

In XX/XX/2019, I was alerted by my credit monitoring service that a company doing business as Sunrise Credit Services had reported a collection account to my XXXX, XXXX, and XXXX credit files. Having no present of former signed contracts or related accounts with said company, I immediately reported the collection as a fraudulent account which does not belong to me. I took immediate action and filed a dispute against said company. My attempt to resolve this matter was to avail. To further my investigations on said company, I researched the State of Alabama Secretary of State website and I have found that this company is not licensed or bonded in the state of Alabama to practice, perform, or otherwise collect debts owed or otherwise in the state of Alabama. The law clearly states that it is illegal practice to perform any debt collection attempts where the company is not registered to do business with the Alabama Secretary of State. This company is not listed on the Secretary of State website as an legal entity authorized to do business in the state of Alabama. I am requesting the matter be resolved by the company immediately deleting the collect account from all credit files, and refrain from any attempts to contact me, as we have no contractual agreements of any sort or other business related matters to discuss.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CT)

I have had a credit freeze on my account for over 10 yrs. I went to experian for information, and noticed a statement on the online page for my account stating " your file is unlocked ''. I don't know how long this has been the case, but is definitely incorrect. 
I attempted to phone experian, but it is almost impossible to get an agent on the phone. I had to pretend that I have a child who has been fraudulently exploited before I could get to a phone prompt allowing me to ask for an agent ( after 20 minutes of trying ). They need to provide a phone number with access to personnel to resolve issues other than those provided by their automated 'phone answering system '. 
Also, upon accessing your account, the 'splash page ' ( from which you must select an option ) only provides 2 options ... .continue with my current account or upgrade to premium. To my knowledge I do not have any 'account ' with Experian . There is no option to discover what I am being forced to agree to! This seems very underhanded and provides no information.
Consumer complaint received 2019-11-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I called since day one of buying the vehicle that the car has no license plates and the dealer said that Its ok to drive like this then I was suppose to receive the plates in the mail then the dealer did not give me any title to this car nor have I yet to get the car title or anything to register this vehicle now the vehicle has been repo and I went and got it back from the repo company and still did not get the paperwork to this car and also I have yet to be able to drive the car because since getting the vehicle back from the Reo Yard the vehicle is broke and want drive so now they want me to continue to pay for the vehicle which I am not able to drive since 2017 and now they are calling me 5-10 times a day and they are not doing anything but taking my money and thats all
Consumer complaint received 2019-11-04
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: ENCORE CAPITAL GROUP INC. (PA)

Midland Funding continues to furnish information on credit file which is incorrect. Company failed to comply with FCRA Guidelines. Requested validation and no response.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove XXXX XXXX XXXX of out of dispute status immediately. I am not disputing XXXX at this time.
Consumer complaint received 2019-11-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Solomon and Solomon, P.C. (MD)

I wrote and notarized a letter requesting physical verification of a debt that was sent certified mail and was delivered to XXXX on XX/XX/2019 and XXXX  on XX/XX/2019. 
The letters requested that physical verification of a debt be sent to me per the laws of the FCRA. XXXX  and XXXX both stated that Solomon & Solomon PC had verified the debt with them. As of today, XX/XX/2019 I have not received verification that the debt is real via a signed contract with the original creditor with my signature or any other information stating Solomon & Solomon PC has any right to collect a debt, as well as other information that must be verified per the FCRA that would allow them to report this debt to the credit bureaus.
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (OH)

From XX/XX/2019 made payment by mail internet is not working it was mail I get call by the bank I told them I sent payment XXXX the person on the phone use nice words told me I had to come up with XXXX for what fees lates charges and pay XXXX this is not 30 day past do calls and time XXXX am XXXX XXXX payments will sent out by XXXX 2019 my complant I doing business with this bank for 14 years thratening phones will not work with me on fees and put on credit file if I did pay for 3 mouths 3
Consumer complaint received 2022-09-26
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. (IL)

My name is XXXX XXXX and I am a natural man / consumer and beneficiary submitting this complaint without any influence or involvement from any agency or 3rd party. All consumer reporting agencies must work together pursuant to 15 USC 1681b ( e ) ( 6 ) on a Nationwide basis to maintain a joint notification system which EXPERIAN failed to comply with under the FCRA as required by law. 

I need clarification as to why you are reporting inaccurate information on my consumer report. In accordance with the FCRA I am entitled to a fair and equitable credit report and EXPERIAN is not providing me with one. EXPERIAN is furnishing inaccurate and false information about me that is not true which is violating my right to privacy and causing undue risk of identity theft which needs to be removed. The inaccurate information includes but is not limited to ; inaccurate account open date, inaccurate amount due, varying amounts due, past due account status, late or delinquent payment history. 

This is not a request for verification or validation, but rather a demand for compliance not to be mistaken as a formal complaint or a dispute. See the provided attachments as it requires your prompt attention and response.
Consumer complaint received 2020-11-11
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: EQUIFAX, INC. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2019-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I paid a man I met on XXXX the total of XXXX USD for two tickets to a XXXX XXXX XXXX concert. I was promised his log in information because tickets are nontransferable. His name on XXXX is XXXX XXXX. I contacted him for one ticket. I made a payment of XXXX through PayPal but due to fees became XXXX USD connected to the email XXXX on XX/XX/2019. He then informed me because he would be giving me his log in information I would have access to all his tickets through XXXX  but because he had two tickets I needed to also buy the second. I was hesitant but he insisted he was not a scammer and told me he would only charge me XXXXUSD this time. A second payment was made on XX/XX/2019 this time of the amount of XXXX USD. XXXXUSD was paid because of PayPal fees. XXXX XXXX sent me the Paypal of XXXX XXXX to send money to. When asked about this he claimed it was the Paypal of his room mate. After doing the first transaction of XXXX USD he told me to use the email XXXX for the second transaction claiming this one as his personal email but I did not do so instead I sent the money to XXXX XXXX XXXX paypal through the email XXXX like I had done the first time. XXXX XXXX kept in contact with me the later that day and said he could not contact his roommate to confirm I had made the payment so he could not give me his log in. I called him through XXXX and texted him many times after this to no avail. I am now blocked on messenger and his account is gone. He had also given me this number XXXX and texted me from this number assuring me he would not scam me. I lost a total of XXXXUSD XXXX was lost to the scammer XXXX while the rest was given to Paypal for fees
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (IN)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  AND ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX ALL RIGHTS RESERVED WITHOUT PREJUDICE
Consumer complaint received 2022-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consolidated Recovery Group, LLC (GA)

I received a letter approximately a month ago from Consolidated Recovery Group but XXXX XXXX It stated I owed Hard dept XXXX Fees XXXX XXXX dollors Interest of XX/XX/2022 XXXX The debit she says is from XXXX XXXX XXXX I have never used this company she asked me did I think I was a victim of identity theft and offered paper work I could fill out I didnt feel comfortable about that I called XXXX they told me they know nothing about this collection agency so I just blew it off Then two weeks latter she reported it to the credit companys I have an XXXX credit score that dropped XXXX points why would someone like me not pay a bill that low SCAm Consolidated Recovery also list an address that is a XXXX store I will report this with the police and go through all the XXXX paperwork to get this straightened out How do I know she is not the fraud She has all my social, tax Id and address I never received any letter at all to give me a chance to refute this This is criminal and I hope they get reported XXXX
Consumer complaint received 2019-11-04
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. (FL)

accounts showing past due when they are current dept of Ed/XXXX no late pay Dept of ed/XXXX no late pay these accounts are in deferment and should not be showing 30/60/90 days past due
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I purchased a giftcard balance on my XXXX account using my debit card through Bank of America. The amount of the giftcard balance purchased to be added to my XXXX balance was {$1200.00}. XXXX closed my account, thus delivering the funds to an account that I can not access. Therefore, XXXX has committed fraud by charging me for something that was not delivered in a way that I can usefully use it.
Consumer complaint received 2019-11-04
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

double withdrawal of XXXX producing XXXX and excuse discussions by different represenatives as to the whereabouts of the deposit initially into TD Simple Savings. 

The request I made for an indemnification letter was being loomed around by he reps, they seemed to act as if it was not such thing. 

TD Simple Savings account XXXX routing XXXX
Consumer complaint received 2017-06-02
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (WV)

Existing complaint ( Submitted to the CFPB on 2016XXXX ) : I have about $ 250k in student loans. I contacted XXXX XXXX and XXXX, and I was able to get the loans placed in forbearance as I transitioned between careers. With all of the bills flying at me, it was my understanding that I had personally secured my loans and assured that nothing would default. However, Navient Student Loan Services failed to contact me by any means until I received a call one day from a 3rd party. I was unaware of the loans being sold to them, and had never heard of the company. By this point the loan was 96 days past due. After 30 minutes or so on the phone, I was able to work out a delayed forbearance plan XXXX-XXXX. They stated that three months had already past, so they could only do a retroactive forbearance for the XXXX-XXXX timeframe since I was already behind during those months. Confused? Yeah, me too. However, I went to look at my credit statement a week after working out this forbearance, and Navient had the audacity to hit my credit report with 4 90-day late fees. When I confronted them about it, they stated that there was nothing they could do about it except reconsider once I sent a letter explaining my circumstances. I 'm sending the letter, but I suspect I 'm not saddled with a deplorable credit score due to circumstances largely outside of my control. <P/>Submitting 4 90-day late reports to credit bureaus and refusing to address the issue by taking some responsibility is unfair and unnecessary punishment.
Consumer complaint received 2020-11-11
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. (CO)

I submitted a dispute to remove an invalid account from my credit report and they have not resolved my dispute in time. 
I submitted the dispute on XX/XX/2020 It is passed the 30 days and this dispute is not complete. 
Experian report number is : XXXX I provided all extra documentation they asked for. When I contact Experian Im told they are still working on my dispute. This is illegal and a violation of my rights.
Consumer complaint received 2019-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my credit profile I found several un authorized inquiries. This one was done on XX/XX/2018. i have no recollection of this inquiry, and sent certified letters to both companies to have them removed over sixty days ago, bot it still remains.
Consumer complaint received 2017-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

As I was checking my credit score, I noticed I had XXXX derogatory mark and as I took a look at the information, it said that XXXX had put an account in collection for {$500.00} with Amsher Coll. This had been going since XXXX  2016 as it shows in my report. I have never opened a XXXX account in my life. I called the XXXX company since I found out about this collection in XXXX by looking at my report, I called them like 3 times in XXXX or XXXX and gave them my social security number so they could find an account with my information and they could not find any information related to me so I called the collection company and they said the same thing my social did not match any collection account, so how is it that I have an account in collection and they want me to pay the money if they can not even find my information? I also never got a paper with account information from XXXX or the Amsher Collection Services to my residence, I only know about them because I check my credit score once in a while. Also, they could not able to provide me with information as to who to contact to get rib of this degoratory mark from my credit score as the amount owed does not belong to me! I sent a request to the XXXX on Monday to see if they can resolve this peoblem as all my credit card amounts are being affected by this problem as they are being lowered and so my credit score its  decreasing as well.
Consumer complaint received 2021-03-10
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: ERC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ENHANCED RECOVERY CO XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ... XXXX. XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX ... XXXX. XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I got a copy of my credit report today XX/XX/21 because I am planning on hopefully buying a home later this year however, I noticed that there are a few credit inquiries on my report that are not mine. The inquiries are from different companies all of which I have never applied to ; I did not authorize these companies to run or access my credit file nor am I affiliated to them in any way. I don't know who is responsible for these credit inquiries but I have taken it upon myself to file a police report as well as complaint with the Consumer Financial Protection Bureau in hopes of getting unauthorized credit inquiries removed.
Consumer complaint received 2019-11-04
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: Carvana Group, LLC (CO)

Been fixing my credit, had a computer problem ended up with a virus, everything got compromised and crashed in late XXXX and mid XXXX. I applied for 1 credit card and it got approved. since then waiting on some stuff to get taken off credit report i noticed some hard inquiries that i didn't make. 

XXXX XXXX - Inquiry from XX/XX/2019 XXXX XXXX - Inquiry from XX/XX/2019 XXXX XXXX - Inquiry from XX/XX/2019 XXXX - Inquiry from XX/XX/2019 XXXX - Inquiry from XX/XX/2019 I need these removed!