davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
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. (MO)

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 items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Equitable Acceptance Corp (NY)

Good Afternoon, XX/XX/XXXX Approximately around XX/XX/XXXX I was offered the opportuntiy for loan forgiveness by a gentleman named XXXX XXXX. He claimed to be a Student Advisor. He stated to me I was eligible for student forgiveness after signing document I had no access to after  signing. He explained to me that I would have to pay equitable acceptance {$49.00} a month to assist me with paperwpork that took less than a minute to fillout. ( I found this out by calling XXXX. One of the representatives explained everything to me today ). I'm a busy working mom who had hopes of loan forgiveness without knowing the real details. I feel really silly now but at least I found out. My curiosty stirred up a few times when I looked at my credit report and the balance of {$42000.00} plus was always there. He told me once I started paying equitable accetance I would notice a change from XXXX to XXXX on my credit report which it did. I wasn't aware that the service was free and under one minute to fill out on your own. This renewal is annual and the student loan company just want to ensure your information remains the same. I was paying {$49.00} bucks a month to do accomplish this very quick process. ( smh ) .. I was told that I may have to close my bank account and reopen it to prevent the reoccurrence of an automatic deduction. This equiptable acceptance account is also on my credit report and it can ruin my credit for non-payment. They have access to my fafsa account, bank account and now eligible to riun my credit. I am submitting proof of payment to you with hopes of reconciliation in this situation. When your busy and someone tries to convince you to do something that seems assuring still stop and look into it or just don't do it.
Consumer complaint received 2018-11-14
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: DISCOVER BANK (NY)

a charge for {$79.00} from XXXX on XX/XX/XXXX. i called discover card customer service on XXXX to dispute the charge. they agreed to do so on XXXX but did not. on XX/XX/XXXX they agreed to reverse charges and did not.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, I pulled my credit only to find that Transunion had XXXX hard inquiries on my report, only to find that on XX/XX/XXXX a fraudster was able to not only apply for a credit card but to open up a bank account. These inquiries were pulled 1. ) To apply for a XXXX Credit Card and 2 ) to open an account with XXXX Bank. Neither of which I requested. Back in XXXX of XXXX, I placed a security alert on all XXXX of the major XXXX 's. Had this been handled properly by Transunion neither the application for credit nor the opening of account by XXXX would have happened as the Bank XXXX Creditor would have been unable to pull this. As a result of their negligence, they played a part in allowing someone to open an account at XXXX. In addition, I spent XXXX hours trying to undo what had happened with XXXX, XXXX Bank, filed a XXXX XXXX, report everything as identity theft and reach back out to Transunion to ensure a Fraud alert was added to my file. Had they done what they were supposed to in XX/XX/XXXX this never would have happened.
Consumer complaint received 2022-02-02
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. (TN)

I have written and verbally contacted Equifax many times via certified letters and long phone calls requesting them to delete XXXX addresses that are not mine : XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, To the best of my knowledge, these addresses belonged to my father who had the same name and who died in XXXX back in XX/XX/2021. I have been very patient with XXXX expecting them to remove these detrimental mixed addresses but recently it has come to my attention, by the XXXX police, that these addresses were involved with Identity Thief activities in XXXX XXXX
Consumer complaint received 2018-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (MI)

I have not been notified of the debt in writing at any point. I initially noticed the debt when it appeared on my credit in XX/XX/2016. The collection agarncy stayed that it was for emergency room services that I received. I disputed with the collection agency and gave my insurance information as my insurance has paid out all my bills and I have not owed any balance. The collection reappeared on my credit. I did not receive any information regarding the status of the dispute or any other communication. Ive contacted the ocollection agaency and they were rude and could not help me. I told them that this could not be for a visit from me and I believe t was for my son. They said that this was a bill for me being serviced and not my son. Ive sent debt validation letters with no change. Ive contacted he emergency room and hey have no open bills for me. Ive contacted the original debitor XXXX XXXX XXXX and they confirmed that this was a bill for my son. They said they requested information from the client and if that was true they would remove it from my credit If the correct information would have been given to the collection agency this could have been resolved as me and my son have separate insurance information. I asked could they give this information to they collection agency and they gave me the run around and told me to call the emergency room and fax those record to the collection agency. I then called the collection agency to get them this documentation and they refused iy saying that the client XXXX XXXX XXXX   needed to contact them and they could not accept any supporting documents from me. The collection agaency is receivable management p in XXXX Michigan. They would not let me speak to a manager and was beyond rude. I called XXXX XXXX XXXX to let them know what I was dealing with and that I am trying to resolve the debt. If the collection agaency had given me the correct information this could have been settled. They would not help or transfer me to a manager.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I paid portfolio recovery inc. XXXX back in XX/XX/2010 over 5000. They keep saying that I owe them an additional XXXX for a company I been paid off. I would like them to remove my information from the credit reporting agencies asap.
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JH Portfolio Debt Equities, LLC (NJ)

In mid XXXX I received a letter from XXXX bank, a company I admit I owe money to, informing me the debt was transferred to JH Portfolio Debt Equities , LLC. JH has never contacted me directly. On XX/XX/2018 I received a letter from XXXX XXXX informing me they were acting as debt collectors for JH Portfolio and I had 30 days to respond. The next day, a Friday, after XXXX, I received a call from a representative of XXXX XXXX wanting to know how soon I planned to resolve the issue. I told him about the letter I got only the day before and I planned on using my 30 days. 

At the point a supervisor jumped on the call and informed me he was retracting the 30 days, this needed to be resolved by the end of XXXX. I said I could not agree to this, told him the payment terms I might agree to, he said it wasnt good enough and he started to yell at me and belittle me. I said the conversation was over and his response was the conversation was over when he said it was over. I hung up and blocked the number they called from. 

On Monday I called the offices for XXXX XXXX and spoke to someone I was told is a manager. I told him my story but at first all he was interested in discussing was payment terms. He backed off when I informed him I did some research and know his company has been repeatedly reported for abusive behavior. He then asked me not file a report. However, this will never be resolved to my satisfaction if I let it sit.
Consumer complaint received 2018-07-31
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. (MI)

there are accounts on my record from debt collection on my report that sre not mine even tho they are paid, i didnt open these accounts and i want them removed from XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed ( paid ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXX    XX/XX/XXXX {$0.00} Closed Paid
Consumer complaint received 2023-01-03
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. (NV)

I was a victim of identity theft and I request to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I made a payment of ~ $ XXXX to a XXXX affiliated hotel ( XXXX XXXX ) that both XXXX and Chase advertised would count towards a 5x points program on spend that properties such as this. This is the sole reason I signed up for the card and used it. I was not issued the 5x points. Ive talked to Chase and they claim that the exact naming convention of the hotel as it shows up in the payment is slightly off their list ( apparently it has some additional incorporation letters after the name ). Ive asked Chase to reach out to XXXX and confirm. To date, theyve done nothing. Ive reached out to XXXX directly and theyve confirmed this. Ive asked that they speak to one another and nothing. It feels like Im getting scammed honestly. Ive spent countless hours over months trying to get this resolved.
Consumer complaint received 2024-03-13
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (PA)

I contacted credit karma to verify some answers to questions I had, see attached screenshots of the conversation with credit karma! They are perjuring themselves as well as potentially giving inaccurate information/scores etc that they don't even know themselves whether it's accurate ( see attached ) can you tell me what kind of attorney would I contact to file a civil law suit
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Experian is reporting 3 Bankruptcies on my credit report that do not belong to me. 

Experian uses XXXX for its bankruptcy and public records information verification.

Experian repeatedly claims that they have verified the bankruptcies showing on my credit report with XXXX. 

I have verified thru XXXX thru a report on me ( XXXX XXXX XXXX ) dated XX/XX/XXXX I have No Bankruptcies thru XXXX. 

The report I received from XXXX clearly shows I have no Bankruptcies. 

Experian is showing Bankruptcy XX/XX/XXXX XXXX Bankruptcy XX/XX/XXXX XXXX Bankruptcy XX/XX/XXXX XXXX I am not asking for a reinvestigation. I am attaching proof that I don't have any bankruptcies. 

I am asking for the immediate removal of these bankruptcies showing on my credit report. 

Do not and I repeat do not reinvestigate these bankruptcies you have done so prior and continually are dishonest about the results. 

If these aren't immediately removed I will file lawsuit against Experian for all damages caused
Consumer complaint received 2023-01-03
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Financial Business and Consumer Solutions. (CA)

FBCS calls me repeatedly at XXXX, despite my numerous requests that they stop. Today, they did it once again by calling me at XXXX and refused to address the issue once I called. This has had a major impact on my quality of life and is taking a toll on my health by waking me at an unreasonable hour.
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (IN)

XX/XX/2021. 
Amount is {$2400.00} I called the Debt collection company, so they asked for my information and I gave it to them so they said they don't have my information in their system that they know nothing about the debt in my record.. and she asked me to go and dispute through XXXX which I did but they reject the dispute. 
I don't receive any letter from them and no documents whatsoever from them or the company they are collecting debt for
Consumer complaint received 2022-05-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VT)

Experian has an account identified as a XXXX XXXX which should be eliminated from my credit report. In XXXX I had a dispute for faulty installed equipment with XXXX XXXX provider which was taken to a hearing at the XXXX ; The matter was unresolved and I entered an appeal which was not ever responded to. While I wrote to the company and received calls multiple times this unresolved account should have been removed from my records after XXXX years. Consequently, in XXXX XXXX was bought by XXXX. They were informed by letters of the situation as well. After moving out of State in XXXX I have destroyed all the paperwork. At Experian I discovered that XXXX years after the initial dispute XXXX made a {$16.00} transaction activity on this account and registered it as a XXXX. When I filed a complaint with Experian, the representative states this can not be removed until XXXX which is totally inappropriate. XXXX 's action is devious and violates my consumer protection rights ; in Massachusetts the law protection is for XXXX years, in the country it is supposed to protect for XXXX years. This is now XXXX years I have had to debate the issues, that have been, and are still being ignored.
Consumer complaint received 2021-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (NC)

Have contacted Rent XXXX XXXX several times via the mail. Starting from XX/XX/XXXX until XX/XX/XXXX. Demanding stop reporting this account that came from a identity theft of my private information.
Consumer complaint received 2021-07-07
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. (PA)

For 6 months I have been disputing inaccurate information on my credit reports. From what I can tell my letters were never even opened because I did not receive results in the mail.
Consumer complaint received 2022-06-10
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-07-07
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. (GA)

Traded in vehicle and the finance back was XXXX XXXX, there is over {$300.00} left on the vehicle and they updated on XX/XX/XXXX to XXXX but the car was already traded by then and it should be showing the {$300.00} amount
Consumer complaint received 2018-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Please reference case XXXX and credit Acceptance account XXXX. Bi received a letter from Credi Acceptance legal aid XXXX XXXX. As a result we were placed in a do not call list with Credit Acceptance. But they denied any other wrong doing which is expected from such people. 
The issue at hand is my wife has called two days in a row trying to make the payments and the representatives proceeded to verbally harass and abuse my wife. She started calling 3 days after the due date to make this payment and the recording we have on hand prove the abuse and just downright ugliness we have to endure when calling. Todays date XX/XX/2018 she calls again to make the payment and she gets off the phone in tears from the verbal assault. This is the absolute last time I report this information. Next time I am suing Credit Acceptance because we have the recording now of their abuse Ive nature to people who actually pay. I got on the phone today with a manager named XXXX and she was extremely apologetic. I made the payment and foretold her of the actions getting ready to be against credit Acceptance. They have been sued so many times due to their actions and this time those cases will be referenced and show a history of abussive communications.
Consumer complaint received 2019-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I originally had my home mortage with XXXX XXXX and it was subsequently bought by another company called Specialized Loan Servicing ( SLS ). My home requires both hazard and flood insurance, which I pay for in an escrow account. SLS is my servicer and they pay my insurance and taxes from my escrow account. I just found out that my homeowners insurance has lapsed becasue SLS has not paid the insurance premium. The policy expired on XX/XX/19 and I only know about the lapse because the insurance company sent me a 'Lapse in Coverage Notice ', As of now, I have no homeowners insurance. I am really worried that something will happen to my house and I won't have the insurance to cover it.
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Terrill Outsourcing Group (NJ)

In mid XXXX I received a letter from XXXX XXXX, a company I admit I owe money to, informing me the debt was transferred to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has never contacted me directly. On XX/XX/2018 I received a letter from XXXX XXXX informing me they were acting as debt collectors for XXXX XXXX and I had 30 days to respond. The next day, a Friday, after XXXX, I received a call from a representative of XXXX XXXX wanting to know how soon I planned to resolve the issue. I told him about the letter I got only the day before and I planned on using my 30 days. 

At the point a supervisor jumped on the call and informed me he was retracting the 30 days, this needed to be resolved by the end of XXXX. I said I could not agree to this, told him the payment terms I might agree to, he said it wasnt good enough and he started to yell at me and belittle me. I said the conversation was over and his response was the conversation was over when he said it was over. I hung up and blocked the number they called from. 

On Monday I called the offices for XXXX XXXX and spoke to someone I was told is a manager. I told him my story but at first all he was interested in discussing was payment terms. He backed off when I informed him I did some research and know his company has been repeatedly reported for abusive behavior. He then asked me not file a report. However, this will never be resolved to my satisfaction if I let it sit.