davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

I took out a loan from OneMain Financial , Inc AKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX while going through divorce then became ill. I had XXXX which took time to recover, no work no money. I did not notify the company since I thought I could catch up later. The company has to date never provided a Default Notice or Warning letter to my address ( Lawyer has the address ). Oddly I received a summons with " ALIAS '' stated on the summons in  handwriting. My name was hyphenated when I was married ( I suppose it's not okay for males, they get branded with Alias by rich 1 % financial companies ) this will be shared to social media. The courts have since restored my name and the loan company agent ( Lawyer ) feels the need to criminalize my LEGAL NAME CHANGE BY CALLING IT ALIAS, I DO NOT AND NEVER HAD AN ALIAS. I moved yet the summons managed to locate me which indicates they always had my address. Strange, so why haven't I received any correspondence ( ie Warning Letter or Notice of Default ) from the loan company? This rich loan company managed to find a lawyer to drain the blood from me while struggling, yet can not send a notice and warning as required by law? I have in my possession the loan companies own agents ( Lawyers Summons ) on letterhead indicating they knew/know my whereabouts and went straight to summons. No Warning or Notice of Default are in the summons. Now I am to appear in court or face a judgement caused by a stacked deck in favor of the 1 % rich company. This is harassment and I intend to counter sue the company for violations of the FDCPA. However, to avoid all the back and forth, I would still be willing to work something out with the extremely wealthy 1 % loan company AWAY FROM LAWYERS. I write this complaint to make this a matter of public record. And I will fight back if necessary. I will retain counsel and file countersuit within 5 days. I know my rights under the FDCPA and I have no intention of allowing any company to ruin my name. I await the reply.
Consumer complaint received 2021-09-21
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)

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account XXXX Account # XXXX. Because the balances being reported by your company and TransUnion, XXXX, & XXXX are different, this means the account has not been properly verified. Charge off account showing currently showing past due. This account was paid and still showing balance. 
Please delete this account immediately
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Hello all credit reporting agencys have incorrect information on my records and they are not fixing it. would you please confirm my name and address are correct on my report I have several name spelling errors and would like to have my name correct. 
Im disputing my name on My record My full name is XXXX XXXX XXXX XXXX is XXXX XXXX  XXXX XXXX XXXX, NC, XXXX My birthday is XXXX Phone number is XXXX My name should be the same as it is on drivers license and social security statement and social security card. 
Im submitting proof of identification so my name can be listed correctly on my file I have been having trouble with applications because of the name errors. My name is reporting incorrect information Name Information is incorrect I m providing proof of identity and my full name as it should appearPlease fix my full name on my credit report file my name is incorrect on my credit report! I am providing proof of my full legal name so you will correct the errors. The name you have on file is wrong, please help and fix it My full name is XXXX XXXX XXXX XXXX name : XXXX XXXX name : XXXX Last name : XXXX Please correct my full name and spelling errors
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

They allowed XXXX fraudulent transactions and are actively preventing me from completing my fraudulent claim, so they can keep my money. 

XXXX XXXXXX/XX/XXXX : called to report fraudulent transactions. I was told that I had to wait until the changes actually posted, and call back. 

XXXX XXXXXX/XX/XXXX : The transactions posted, but when I called, I couldn't get a live person on the phone. This content for XXXX weeks, where I called multiple times, and still couldn't get a live person, despite waiting more than XXXX minutes on hold for each call. 

XXXX XXXXXX/XX/XXXX : Finally got through to a live person, who had to transfer me to their Fraud Department. Waited on hold for another XXXX mins for a live person. I was told that they would initiate the fraud claim for the XXXX transactions ( which I received email confirmation that they did this ) and would be emailing me a form that I had to fill out and email back in XXXX  days. I never received the form. 

XXXX XXXXXX/XX/XXXX : called again in the afternoon regarding the form that they failed to email me. I was told that the department that generates the form was closed, and a XXXX message would be sent to the department. I became belligerent, because I only had XXXX days and their failure to send me the form would result in my claim being closed for inaction. 

Wednesday XX/XX/XXXX : Still have not received any form, and have been on hold for over XXXX minutes.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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. 

XXXX XXXX XXXX XX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX : # xxxx XX/XX/XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I disputed these fraudulent accounts multiple times with Transunion and they kept ignoring my request. So, I'm filing a compliant against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized accounts. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED accounts and they need to be removed immediately. 

" SEE ATTACHED ''
Consumer complaint received 2022-06-09
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: EQUIFAX, INC. (FL)

Today is XX/XX/XXXX and Equifax got a request from me for their method of verification as it pertains to a XXXX  XXXX XXXX account that is reporting on my credit report. Equifax got this request from me on XX/XX/XXXX and to this date they have not provided me with such a document which is a violation of section 611 ( a ) ( 6 ) and ( 7 ) of the Fair Credit Reporting Act.
Consumer complaint received 2022-10-16
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. (SC)

Whom It May Concern : I received a copy of my credit report and found the following Item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report. 

{ Inquiry Creditor Name, Inquiry Date ) XXXX  XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand that under 15 U.S.C. Sec.16811 ( a ). You must complete this this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notices of the corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accrdance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 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 am account without my written instructions.
Consumer complaint received 2018-07-31
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: EQUIFAX, INC. (MI)

I have contacted all three credit bureaus regarding inquires and other information on my credit report. There are wrong addresses and accounts that are not mine, along with other wrong details. The credit bureaus refuse to comply with the FTC laws about credit reporting. On or around XX/XX/18 another attempt to resolve this matter was ignored by each credit bureau. I have tried for years to get this resolved with no success. My credit report has been abused by the credit bureaus and I want this to stop!
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (PA)

I DO NOT RECOGNIZE THIS DEBT. I HAVE ASKED THE COMPANY TO PROVIDE ME PROOF OF THIS DEBT BUT THEY ARE NOT ABLE TO PROVIDE ME ANY DOCUMENTS WITH MY SIGNATURE AGREEING THE THIS UNKNOWN DEBT. PLEASE REMOVE!
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

The Collection was opened on XX/XX/2016 for the amount of {$940.00}. The reason of the collection was because I refused to pay the company due to the fact that my card had been stolen and used to its max by someone else. After repeated attempts of telling the Company that the card had been stolen and used by someone other then myself, the company refused to disregard the claim.
Consumer complaint received 2018-04-08
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: EQUIFAX, INC. (IL)

I have filed a complaint with CFPB and I believe it has been forwarded to Equifax. I dont really wish to litigate this matter even though there are numerous precedents such as XXXX XXXX XXXX ( XXXX ),   XXXX v XXXX and XXXX XXXX, Equifax that suggest the courts would find in my favor. All I want is for the items listed in my dispute to be removed from my credit report because Equifax has not met the requirements of a reasonable investigation nor been able to provide me with the documentation I have requested. 
I would very much appreciate any assistance you might be able to provide in resolving this matter. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file opened fraudulently. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled.
Consumer complaint received 2021-06-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (TX)

I SOLD MY XXXX XXXX XXXX XXXX XXXX COMPANY CALLED XXXX. XXXX  CONTACT WELLS FARGO TO ADVISED THEM, THE VEHCILE WAS PURCHASED FROM ME ANDT HEY REQUESTED THE PAYOFF AMOUNT. FULL PAYMNET WAS ISSUED TO WELLS FARGO ON THE XX/XX/XXXX. I ALSO PAID MY REGULAR PAYMENT ON XX/XX/XXXX BECAUSE THE FINAL CHECK FROM XXXX XXXX  HAD NO YET CELARED. IMADE APAYMENT OF XXXX, WHICH ONCE THEFULL PAYMENT HS CLEAR FROM XXXX, I WOULD BE OWED A REFUND OF THE OVER PAYMENT. THE CHECK FROM XXXX, CLEARED ON XX/XX/XXXX. WHEN I CALLED WELLS FARGO, I WAS TOLD THAT THEY WOULDNT ISSUEMY REFUND UNTIL WELL FARGO HAD RELEAED THE TITLE TO THE NEW OWNER, WHICH HAS ABSOLUTLY NOTHING TO DO WITH ME. WELLS FARGO INTENTINALLY HELD ON TO MY REFUND EVEN THOUGH THEY HAD FULL PAYMENT AND THE ACCOUNT CLOSED. I CALELD ON SATURDAY XX/XX/XXXX AND WAS TOLD THEY DIDINT KNOW WHERE OR IF I WAS GETTING A REFUND FOR MY OVERPAYMNET. THHATS WHEN MY ISSUED WAS ESCALTED TO THE EXECUTIVE OFFICE. XXXX XXXX. WAS ASSIGNED TO MY ISSUE. SHE CALLED ON XX/XX/XXXX TO INTRODUCE HERSELF AND SAID SHE WOULD LOOK INTOMY ISSUE. A FEW LATER SHE CALLED BACK AND ADVISED THAT HE REFUND PAYMENT WAS SENT BACK TO MY BACK ON XX/XX/XXXX. I SAID THATS IMPOSSIBLE CAUSE ON SATURDAY XX/XX/XXXX THE RESP RESENTIAVES WASNT EVEN SURE WHERE MY REFUND WAS. SO I TOLD HER OK, I GIVE IT TO FRIDAY XXXX/XXXX/XXXX. I CHECKED MY ACCOUNT WITH XXXX XXXX AND THEY ADVISED THEY DO NOT HAVE ANY PENDING PAYMNET FROM WELLS FARGO AND IT SHOULDNT TAKE MYRE THAN 2 OR 3 DAYS TO RECV A REFUNDED PAYMNET. I CALLED WELLS FARGO BACK, THEY ARE GIVEING ME THE RUNNING AROUNDTELLING ME TO CALL MY BANK AFTER I HAVE ALREADY CALLED THEM. NO WONDER WELLS FARGO HAS USCH A SORRY REP, BECASUE THEY TRY ANDGET OVER ON CUSTOMERS AND THEY WELL DOCUMENTED. I WANT MY XXXX BACK NOW!!
Consumer complaint received 2018-07-31
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: SYNCHRONY FINANCIAL (CA)

I disputed a charge to my PayPal credit account about one month ago, submitted supporting documents proving that I did not received merchandize the charge was taken for. PayPal has not responded to my dispute, nor they did any provisional credit to my account. That's a long time! Inadequate service. I need a refund immediately.
Consumer complaint received 2022-06-09
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. (NY)

I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining inquiries on my report which are unauthorized and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-25
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: Coastal Capital Processing, LLC (MA)

I file a dispute with XXXX, XXXX  and XXXX  and its has been well over 30 days and I havent receive any investigation results.
Consumer complaint received 2021-06-25
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. (FL)

Ive sent numerous 605b and FTC reports to Transunion XXXX  and XXXX. All 3 companies have ignored my letters. I also requested updated credit report be sent via us mail. Upon checking my credit in mid XX/XX/2021. I discovered Fraudulent Accounts on my report. 
The following fraudulent accounts are 1.XXXX XXXX {$500.00} Ive never done business with this company or entered into a signed contract with this company. This is a fraudulent account 2. XXXX, XXXX XXXX XXXX XXXX {$270.00} Ive never done business with this company or entered into a signed contract with this company. This account is fraudulent!! 
3. XXXX XXXX XXXX is also a fraudulent account! 

XXXX XXXX ( isnt my name ) Ive never used it that way please see ftc report/ 605b all attached
Consumer complaint received 2022-10-16
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: LAKE MICHIGAN CREDIT UNION (FL)

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 late for any purpose.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX, I recently checked my consumer report and noticed inaccurate reporting by a company called XXXX XXXX XXXX XXXX  '' reported by TRANSUNION, a credit reporting agency bound by FEDERAL LAW to furnish ONLY ACCURATE information WITH consent from the consumer on which it is reporting. I never provided XXXX XXXX XXXX  nor TRANSUNION to contact, share or furnish ANY of my private personal information, especially unverified information. Under US code Title 15 Chapter 41 Subchapter V 1692g Part b, this alleged debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel in this matter. In the event that this alleged debt is not validated by you as required by FEDERAL LAW, you have a legal responsibility to terminate the claim and correct ANY negative credit reporting that may have been made in connection with this alleged debt.
Consumer complaint received 2021-06-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE (CT)

I am having trouble since XX/XX/2020 getting my overpayment on my account refunded to me. I have been in touch with them 12 times and each time they state that the check was mailed so they would put a stop payment on the account and reissue. To date I have not received anything. The amount is {$230.00} and I do not believe they EVER sent checks ... how can 12 checks disappear. My new case # XXXX. The bank is Barclays Bank Delaware. I would appreciate anything you could do for me.
Consumer complaint received 2019-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.