davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

Hi, FCO ( Fair Collections & Outsourcing , Inc ) has reported a collection of {$1100.00} on my credit history which is incorrect. It is done without investigating the claim properly and without providing me proper documents requested by me in this matter. I have sent them multiple email and called them several time without proper response from them. I have informed them multiple time that I do n't owe any debt to XXXX XXXX XXXX. 

FCO was not able to provide me the copy of the original utility Bills as XXXX XXXX XXXX was asking me to pay more for the Gas compared to the original Gas Bill. So, I asked them to provide me a copy of all the utility Bills starting XXXX XXXX. I have sent multiple emails to XXXX XXXX XXXX & FCO in this regard since XXXX XXXX and they were not able to provide these bills. 

I also registered a complaint regarding this with XXXX and both the companies were not able to respond to that complaint. 

Issues : -- -- -- -- -- - 1 ) When I moved into the apartment, My rent was calculated on Pro rate basis for the duration of stay but when I left the apartment the company is saying that they will not prorate my stay. There is no such clause in the lease agreement. They have already forfeited the security deposit for one and half month of rent. No proper response or reason from the company on this. 

2 ) During the stay the company charged me for room heating even when the heaters/Gas was switched off in summer season. I have complained about this multiple time and my account was not adjusted/corrected. ( a copy of multiple emails attached ). I have been requesting XXXX XXXX to provide me a copy of the original Utility Bills from long time and they are not able to provide it. the difference for XXXX month where they adjusted was approximately XXXX % so XXXX XXXX should refund me XXXX % of the Gas utility bills in case they are not able to provide correct Utility Bills from the Utility Company. 

3 ) The collection company FCO is not investigating the case even after I disputed this. They are not even providing the required information & documents. Without responding to my emails and resolving the disputes they have got this collection account added to my credit reports which is harassment of a normal person just to serve the interest of their client. I have also called them on the number provided and they never pickup the phone. I have also left so many voice mails and without any response from Fair Collections & Outsourcing , Inc. ( Some of the emails attached. ). 

Please let me know in case you need any additional details from me. I have attached some of the communications where I raised my concerns and neither XXXX XXXX XXXX nor Fair Collections & Outsourcing , Inc. ( FCO ) was able to provide proper response. 

Thanks XXXX XXXX
Consumer complaint received 2022-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I tried to cancel a payment through the app and was unsuccessful. 
I called XXXX XXXX and had a conference call with a XXXX XXXX representative on the line since XXXX would be the paying agent. I explained that the app was not working and I was not able to cancel the scheduled {$150.00} payment to change the amount. The representative stated that they were having problems with the app and she would take care of the cancellation. However, she did not do so and I called XXXX XXXX after the amount supposedly canceled was taken out of my XXXX account. I spoke with XXXX XXXX and they reversed it. I made the minimum amount due making sure the payment was on time.The XXXX XXXX representative said she would take care of it. I have a copy of my latest statement where the amount they list is not due until XX/XX/2022. They listed it as past due. I have never been late on this account. On the statement it shows that the last payment was XX/XX/XXXXand the next payment that they listed as past due is inaccurate.
Consumer complaint received 2024-02-10
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. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-03-31
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. (FL)

In accordance with the fair reporting act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of ED All of these companies 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 an 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 2019-06-13
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. (FL)

There is a Bankruptcy showing on my report from 2015. Account number XXXX. This is not my account. 

I've been subjected to a breach and there are several inquires on my credit report that are not mines. See FTC report attached.
Consumer complaint received 2018-06-17
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: Credit Karma (MI)

I found out from the XXXX premier XXXX told me to sign up for Credit Karma. So  I tried to sign up it tells me there's an account already exists it what is my Social Security number please I'm asking please my identity was stolen I never apply for any credit cards I don't have any credit cards. 


If someone can call me I would really appreciate XXXX
Consumer complaint received 2023-07-26
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)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.
Consumer complaint received 2023-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

XXXX XXXX I bought a used car in XX/XX/XXXX and the financing department of the car dealership got financing with Fifth Third Bank. 

I immediately went to their website to sign up for automatic payment for my car payment. I printed off the form, filled it out with my bank info and faxed it back to Fifth Third. 

On XX/XX/XXXX i received a confirmation letter that my auto payments have been set up. 

On XX/XX/XXXX to be sure my payment would be take on XX/XX/XXXX ( my first scheduled payment ) I did a chat on the Fifth Third bank website with their representatives and after some initial confusion ( on their part ) they assured me that indeed my payment would be taken out on XX/XX/XXXX. 

Today I went to the website to check on my loan and was met with IT LOOKS LIKE YOU MISSED A LOAN PAYMENT. 

I have screen prints from XX/XX/XXXX conversation chat I had with a Fifth Third representatives who verified my XX/XX/XXXX payment would go through as it was set up and per my confirmation letter. 

Today I asked for a supervisor at Fifth Third Bank and XXXX got on the line and said my first payment would be made on XX/XX/XXXX and that I could make a payment now and still be on time because of a " grace '' period. 

This bank is nothing but a fraud. I have never worked so hard or spent so much time trying to get a payment made on time. I told them I would be contacting the XXXX of Banks to file a complaint and XXXX said " ok ''. ( I now know it's CFPB ) Please help. I did not give them any payment today because they assured me they were taking the payment on XX/XX/XXXX. I want them to do as they assured me and not lie to me. They need to make this right. If they can lie about my XXXX payment, why not lie about my XXXX payment? Meanwhile they will destroy my credit. 

Thank you XXXX XXXX
Consumer complaint received 2020-09-24
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. (MN)

I was already in the rehabilitation with the Department of Education. However, they never remove it out of collections. It has a negative effect on all 3 credit bureaus. I was was informed in writing if I complete the program the negative remarks will be removed from my credit report. Also, I was never informed about the forgiveness program. My due process was never given to me. For example, no one never explained the Income Based Repayment Program. Based on my income my payment will XXXX amount and the negative items would of never been on my credit. In fact, I would of been in an excellent situation regarding my credit!
Consumer complaint received 2024-02-10
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. (TX)

XXXX XXXX Department charged my account without my consent that I owe a debt 31 USC subsections 3123 my credit report has charges that against consumers law 15 USC 1681 ( n ) wilfully fail to comply so my information wast stolen after Breach of contract, breach of office, 15 USC 1605 ( a ) it's prepaid XXXX 15usc 1681s-2 ( B )
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft I have sent a notarized affidavit to transunion, I have requested tangible evidence of a signed contract with my name. They keep sending me a bill from XXXX. 
Transunion is breaking the law with inaccurate information they are reporting on my credit file, they are not even answering my calls when I've called several times to speak with someone.
Consumer complaint received 2019-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, On XX/XX/2019 my score was XXXX. 6 days later the scores with Trans Union, XXXX, XXXX, and FICO all went down to the 670s, ranging from 670-673. In the last 90 days, I opened a credit card that always stayed at 40 % of the balance. I also renewed an Income Based Repayment plan with my student loan creditor, XXXX XXXX XXXX. 

I was confused as to why my score went down and so are the employees at the credit reporting agencies. They have been unable to tell me why my credit score went down so suddenly. I'd love some advice please. 

Thanks
Consumer complaint received 2019-06-13
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: Experian Information Solutions Inc. (MN)

I disputed some incorrect information that was showing on my Experian, XXXX and XXXX   credit reports. All three CRA 's came back with " Verified as Accurate '' yet all three CRA 's are showing different information that is unverified and inaccurate. 

I will explain the issues and attached the credit reports I was given after the dispute came back " Verified as Accurate ''. XXXX did fail to send me an updated Credit Report after the information was allegedly verified as accurate. 

Experian - The Before Dispute is showing No monthly payment, and Date of Status as XX/XX/XXXX. The After Dispute is now showing a Monthly payment of {$88.00} on a charged off/closed account. This itself is a violation and reason for deletion. The Date of Status is moved back to XXXX of XXXX? 

XXXX provided me with an updated Credit Report showing the the account is " Verified as Accurate ''. The Date Updated is showing XX/XX/XXXX which leads me to believe there was no investigation into the account since the other disputes I filed with XXXX  are showing the Date Updated as XX/XX/XXXX. In the " Remarks '' section it is showing PAID IN FULL/WAS A CHARGE OFF. Was this account Paid in Full or was it a Charge Off? How can it be a charge off if it was Paid In Full? Also, the Last Payment Made is showing XX/XX/XXXX but the payment grid is showing Paid as Agreed until XX/XX/XXXX with the first late was XX/XX/XXXX. If the last payment made was XX/XX/XXXX wouldn't the first late be XX/XX/XXXX or, if the first late was XX/XX/XXXX would the last payment be XX/XX/XXXX XXXX did NOT notify me that the dispute was resolved nor did they provide me with an updated credit report. The credit report I am attaching for XXXX is from the Experian 3 Bureau Report that I purchased. On this credit report XXXX is showing a Monthly Payment of {$88.00} on a closed account. Again, a violation and reason enough for immediate deletion. The status update is showing XX/XX/XXXX while the Balance Update is now showing XX/XX/XXXX which I believe is illegal re-aging and another violation. 

Also, Experian 's After Dispute report is showing a 30 day late in XXXX of XXXX with the charge off in XXXX of XXXX. XXXX is showing a date closed of XX/XX/XXXX with multiple lates. XXXX on the other hand is show the account closed with no date but, a perfect payment history through XXXX of XXXX. How is this possible id the other CRA 's are showing the account closed sometime in XXXX? 

How is it possible that three CRA 's can investigate these disputes and all three come back with different incorrect information if they are all three contacting the same data furnisher during their investigations.
Consumer complaint received 2019-06-13
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. (MN)

I disputed some incorrect information that was showing on my XXXX, Equafax and XXXX credit reports. All three CRA 's came back with " Verified as Accurate '' yet all three CRA 's are showing different information that is unverified and inaccurate. 

I will explain the issues and attached the credit reports I was given after the dispute came back " Verified as Accurate ''. Equifax did fail to send me an updated Credit Report after the information was allegedly verified as accurate. 

XXXX - The Before Dispute is showing No monthly payment, and Date of Status as XX/XX/XXXX. The After Dispute is now showing a Monthly payment of {$88.00} on a charged off/closed account. This itself is a violation and reason for deletion. The Date of  Status is moved back to XXXX of XXXX? 

XXXX provided me with an updated Credit Report showing the the account is " Verified as Accurate ''. The Date Updated is showing XX/XX/XXXX which leads me to believe there was no investigation into the account since the other disputes I filed with XXXX are showing the Date Updated as XX/XX/XXXX. In the " Remarks '' section it is showing PAID IN FULL/WAS A CHARGE OFF. Was this account Paid in Full or was it a Charge Off? How can it be a charge off if it was Paid In Full? Also, the Last Payment Made is showing XX/XX/XXXX but the payment grid is showing Paid as Agreed until XX/XX/XXXX with the first late was XX/XX/XXXX. If the last payment made was XX/XX/XXXX wouldn't the first late be XX/XX/XXXX or, if the first late was XX/XX/XXXX would the last payment be XX/XX/XXXX Equifax did NOT notify me that the dispute was resolved nor did they provide me with an updated credit report. The credit report I am attaching for Equifax is from the XXXX 3 Bureau Report that I purchased. On this credit report XXXX is showing a Monthly Payment of {$88.00} on a closed account. Again, a violation and reason enough for immediate deletion. The status update is showing XX/XX/XXXX while the Balance Update is now showing XX/XX/XXXX which I believe is illegal re-aging and another violation. 

Also, XXXX 's After Dispute report is showing a 30 day late in XXXX of XXXX with the charge off in XXXX of XXXX. XXXX is showing a date closed of XX/XX/XXXX with multiple lates. Equifax on the other hand is show the account closed with no date but, a perfect payment history through Apr of XXXX. How is this possible id the other CRA 's are showing the account closed sometime in XXXX? 

How is it possible that three CRA 's can investigate these disputes and all three come back with different incorrect information if they are all three contacting the same data furnisher during their investigations.
Consumer complaint received 2016-10-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: KEYCORP (MD)

I called AES and was informed my private student loan is eligible for a live event forbearance but I needed to call Key Bank directly. I called Key Bank directly, and they said that is not true, there is no such thing. 
I was told the only option is a temporary suspension of payment. I ask for temporary suspension based on a medical bill and they declined and said I had no other options. They told me to get a second job. They told me I have budgeting problems. They asked me if my family could help me. They asked me how long I will have medical problems, what is it, XXXX? They told me they needed more details about my medical issues.
Consumer complaint received 2016-01-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Coastal Credit, LLC (MI)

I was in the military from XXXX. While in the military I got an auto loan from Coastal Credit LLC. They sent a complete copy of my contract to My command master chief before I was ever even late on a payment. After this when I was late on a payment they decided to send letters to My commanding officer informing him that my account was past due and giving him all the account details. When I got out and moved back to Michigan my truck was repossesed in the middle of the night and I was told by coastal credit and the repo comany that I could not get my Items back unless I paid off my balance. They then sold my truck which had a XXXX value of {$9000.00} for around {$4000.00}.
Consumer complaint received 2022-08-17
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. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : -XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I purchased a room at the XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX to be present at a comedy/music festival and made payment for XX/XX/XXXX thru XXXX. Payment plan began XX/XX/XXXX. The merchant never had a valid contract with the hotel to sell the rooms. The merchant sent our notification saying they were canceling due to the dispute with the hotel and the contract. The merchant sold me a service/product I never received. I called to dispute the charge several times with capital one. The merchant provides a fraudulent cancellation policy etc to avoid responsibility. The merchant is now in bankruptcy court ; however, I disputed the charge with Capital One before the filing. Capital one will never call me back. They would not provide contact information to the office if the president. On XXXX was charged {$350.00} On XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I was charged {$290.00} plus interest. 

I was refunded for XX/XX/XXXX {$350.00}, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Based on conversation charges from XX/XX/XXXX & XX/XX/XXXX were processed by a back office and the merchant agreed to refund me the fee XX/XX/XXXX. 

I have called and faxed documents over XXXX time in the past few months while trying to deal with the passing of mother. Capital One said the borrower responded so I can not dispute with them longer ; however, the merchant has committed fraud.