davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-22
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. (GA)

I have attempted to dispute the accounts and information that are listed below with all 3 credit agencies. These accounts do not belong to me and they were open as a result of identity theft : - XXXX - XXXX XXXX   - XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX  Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX ADDRESS : XXXX XXXX XXXX XXXX GA XXXX Incorrect Names : XXXX XXXX
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (PA)

On XXXX I sent a letter regarding inaccurate and unknown things on my report. It has been over 45 days and i have not received a response yet. I feel like i am being taken advantage of and being ignored for my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days give a reason to immediately delete those items from my credit report and it has been over 45 days so they should be deleted right away. If these accounts are not deleted I will have to file litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands. I have reported the theft of my identity to the Federal Trade Commission
Consumer complaint received 2024-06-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (ME)

In XX/XX/year>, I tool out a loan from Opploans for {$4000.00}. I did not realize at the time the interest rate was 160 %, which is against Maine law. In XXXX XXXX, President Biden repealed the True Lender Rule enacted by the OCC, and prior to that, Maine passed a law, XXXX, making Opploans illegal to operate in the state of Maine with the interest rates they charged and illegal to pursue collection activities for said loans. Opploans has since been calling me, emailing me, and reporting negative information on my credit report concerning the loan. I have requested Opploans to cease and desist collection and reporting activities, as to which they refused, stating they dont have to follow Maine Law .
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Last year I discovered a false account with XXXX, XXXX XXXX, XXXX XXXX, US Dept of Ed and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Last year I discovered a false account with XXXX, XXXX XXXX, XXXX XXXX, US Dept of Ed and DeptedXXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (IL)

Received a notification XX/XX/21 from the major 3 credit bureaus ( XXXX, XXXX  & XXXX  ) that a debt was owed from collection agency Caine Weiner. There's no contract with this collection agency that shows I owe a debt. Collection agency doesn't have the right to collect if there's no legal binding contract signed by me or any company I represent showing I owe Caine Weiner. This collection agency Caine Weiner also violated Section 623 of Fair Credit Reporting Act.
Consumer complaint received 2018-12-22
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. (TN)

I am so confused why XXXX  XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In XXXX XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XXXX XXXX, XXXX to Captial One requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. I also sent a certified letter dated XXXX XXXX, XXXX to XXXX requesting the same information and nothing has been done by either Capital One Bank or XXXX.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A dispute with a landlord due to pests in the apartment was reported by TransUnion as a judgment of eviction. However the dispute was a tenant dispute that required the landlord to resolve the vermin in the apartment and rent was withheld until the landlord resolved the issue. The motion went to court but no judgement was given to the landlord. Transunion is reporting it was a judgement for eviction but it was not and the case was dismissed once the landlord agreed to resolve the issue as order by the court. 

The judgement ( entered in on XX/XX/2016 ) by TransUnion at XXXX XXXX is beyond the statutes by law to report this information and should not even be on my report. I have attempted to have TransUnion remove the judgement more than 3x but they have not complied.
Consumer complaint received 2019-07-10
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. (IL)

XXXX ; Experian and XXXX are reporting an incorrect balance on the XXXX XXXX account number XXXX. ( Please see the attached page from my credit report. ) I have also attached a copy of the check to XXXX XXXX dated XXXX in the amount of {$11000.00}. I had GAP insurance after my accident and this check was applied to this account, however the balance is not being reported correctly on my credit report. I have contacted the ( 3 ) bureaus to resolve this issue. This inaccurate reporting is harming my credit score.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reached out to Transunion to have these unknown inquires removed. This inquires are not listed on my XXXX report or my XXXX report. I asked that these inquires be investigated. I have not received a response nor have the companies provided proof that I authorized these inquires. The request to have this information removed has been well over 90 days. 

I will attach my report from XXXX, and XXXX so you can see that these were not authorized as the do not show on my other reports. Neither company has provided written documentation that I approved these inquires.
Consumer complaint received 2022-04-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I enrolled to a program in Illinois called, XXXX. This school promised job placement upon completion with multiple certifications under your belt to promise you a good career path in IT. My brother and I attended what seemed to be XXXX of the last classes before this " school '' shut down and we were not placed in any jobs and lost all vouchers to take exams for certifications. I understand there are multiple lawsuits against this place and I would like to see if my brother and I are eligible to have these private loans forgiven. We have been paying these loans since 2008 and are not even halfway there. 

To the last question below. I do not have any hard copy contracts nor digital copies of when we enrolled. I do however have emails from the instructors and admissions office, if needed. 

All of this doesn't exist anymore and I'm sure our contracts have been deleted from the system. 

XXXX XXXX Admissions XXXX XXXX  XXXX XXXX XXXX XXXX XXXX of AXXXX XXXX  XXXX, ext. XXXX
Consumer complaint received 2022-04-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

I applied for home retention options with Carrington MortagXXXX ( loan No. XXXX ) around XX/XX/2022. A loan modification offer was sent to me. The offer did not expire until XX/XX/2022. I called XX/XX/2022 with XXXX HUD counselor ( XXXX XXXX ) around XXXX. The Carrington representative said that the review was closed, and the loan modification offer was no longer valid. I also filed for mortgage payment assistance with XXXX. The case number is XXXX and was filed XX/XX/2022, counselor is XXXX. I just want to prevent my credit from going bad. Also to allow XXXX to pay the back payments to Carrington Mortgage. I also, would do the loan modification, if this will prevent my credit from being ruined. I also just reapplied for the mortgage assistance application with them. It was faxed and emailed on XX/XX/2022.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Last year I discovered a false account with XXXX, XXXX XXXX, XXXX XXXX, US Dept of Ed and DeptedXXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Last year I discovered a false account with XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Last year I discovered a false account with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This Company is trying to collect that is not mine. The company Was not even able to validate the debt. At first, They reported on my credit file I was a victim of an identity thief. 
The credit bureau was able to delete it on my credit report the same item came with a different amount and different account number on my credit report. The credit bureau is taking longer the resolve this issue.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX Acct XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2019-07-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rauch-Milliken International, Inc. (FL)

XXXX XXXX of Rauch-Milliken International , Inc. alleges there is a debt of {$1300.00} owed. This alleged debt is unknown and disputed. An attorney letter of representation, along with a request for 1 ) A copy of the original written agreement between the parties, 2 ) A copy of the assignment of the alleged debt to Rauch-Milliken International , Inc., and 3 ) Copies of all correspondence in relation to this alleged debt, was provided to Mr. XXXX on XX/XX/19. No response has been provided. Rather, Rauch-Milliken International , Inc. has disregarded the attorney letter of representation and continues to harass, threaten, and hang up on the alleged debtor via telephone calls ( two calls at XXXX XXXX and XXXX XXXX EST on XX/XX/19 ).
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Last year I discovered a false account with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Last year I discovered a false account with XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but these accounts denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I sent a letter on the Credit Bureaus to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete or information not later than 4 business days. Ive already included these in my previous Complaint am including them again., 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 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 2024-01-07
Product: Credit 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 (TX)

I ordered a supercharger from XXXX in XXXX of XXXX 2023, I contacted TPS on XX/XX/XXXX explained the item they sold me wouldn't work due to they sold me the wrong item. The seller stated I have XXXX options I can be hit for 30 % restocking fee as stated in his email or a store credited. This item was charged on SYNCHRONY CAR CARE ending in ( ... XXXX ). I contacted them to dispute the charge based on me being sold the incorrect item. They declined my dispute and refusing to charge back the company the charge minus the 30 % restocking fee even though I provide them proof the company would. I returned the items back to the seller in XX/XX/XXXX on tracking XXXX less than 30 days of receiving the product. I no longer have any other the items I'm being charged for in over 4 months but being charged for it.
Consumer complaint received 2022-04-13
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: OpenRoad Lending (AR)

I have inquiries from XX/XX/XXXX for XXXX XXXX, XXXX  XXXX. XX/XX/XXXX for XXXX XXXX  and XXXX  XXXX. I also disputed these with the bureaus and they responded they were verified. I then sent letters to these companies and they also responded verified. I called them directly XX/XX/2022 and was given the information for Open Road Lending. I was told they could remove the inquiries if Open Road Lending sent a letter requesting the removal. I contacted Open Road Lending and spoke with XXXX and I explained I never applied for a refinance auto loan. I asked if she could send me proof and she stated all she could send was the adverse letter I was mailed which I never received. As I was asking if she could sent the letters to the banks requesting a removal she states she could not assist me and I have to disputed it with the bureaus. I explained again I have taking all those steps and was redirected back to their company. She started huffing as if she was getting annoyed with me. She then told me by law she had to provide the adverse letter and thats all she could assistme with. I provided my email for the information she claimed she was emailing to me. She told me to call My Auto Loan for further assistance as she could request a removal of the inquiries. I never received any emails from Open Road lending.
Consumer complaint received 2024-01-07
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I contacted Synchrony about my Ashley Homestore credit card. 
I had a promotional purchase that waived interest if paid in full by a certain date. I paid the remainder of what the bill said to pay, around {$750.00} in XXXX. My account then had fees added and when i called XX/XX/2023 they told me that i still had {$1.00} left on my promotional amount. I told them i paid it in full. They said that because i didnt CALL THEM to tell them how to allocate that payment that it didnt go fully to the promotional amount ( may have gone in part to a late fee from a prior month ). By not paying the {$1.00}, i was charged {$750.00}. 
I ended up settling for {$300.00} but its ridiculous that they added so much to a bill that essentially had a dollar left on it
Consumer complaint received 2018-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (GA)

This states that it is a Medical Collection Debt. My co-pays for a doctors office visit are {$40.00} flat which covers all services provided. For an Emergency Room Visit my copays are a FLAT {$75.00} ... So the 2 debts this company are trying to collect are either not mine, simply wrong, or the result of balance billing which XXXX does NOT ALLOW ... The other problem with these debts are one is for {$210.00} and the other is for {$100.00}, i'm not a rocket scientist but I do know neither of those amounts add up to {$75.00} nor {$40.00}. My Medicare Policy is for people with certain conditions only and pays much better than the average medicare policy. I can only assume they are trying to collect way more than allowed by XXXX. I will be glad to forward a single visit, which has been broken down to multiple charges to XXXX  and have them speak with the provider to clear this matter up. Unfortunately this may also result in a fine from XXXX  for Balance Billing! It needs to be removed completely.

Dates of Service XX/XX/2016 XXXX  Medical Center Act # s XXXX  and XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX