davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (SC)

I had a credit card with the original creditor, XXXX XXXX XXXX, and enjoyed their services for over 3 years. Around XX/XX/XXXX, there was almost {$1000.00} in fraudulent charges made on my card in just a few days. My balance went from around {$600.00} to {$1600.00}. At the same time, XXXX XXXX had a separate credit card opened in my name that I never knew about. It was opened, maxed out and closed without ever making a payment. When I reached out to XXXX XXXX to resolve the issues, they refused to remove the charges and the additional credit card from my account. I wanted to continue using my credit card and their services but wanted the fraudulent charges and credit card removed. After going back and forth with XXXX XXXX for several months, they closed my account and reported it on my credit. I disputed the charges in writing with all 3 major credit bureaus at the time, around XX/XX/XXXX, as well as submitting online disputes. My disputes were ignored in favor of the creditor. The debt was sold to Midland Funding who promptly began contacting me and hitting my credit almost every month with late payments. I tried repeatedly to explain what happened and let them know that I wanted it resolved. I was served with court papers around XX/XX/XXXXXX/XX/XXXX from Midland Funding. After they lost the court case for failure to appear, I contacted the attorney 's office representing Midland Funding who said my case was no longer on their desk and is solely with Midland funding. I contacted Midland to try and have the debt removed and finally resolved since it had already been to court. But they refused to remove the debt and continued to harass me for payment. They are continuing to negatively impact my credit every month and this has been going on for 3 years. I have 4 negative accounts on my credit all from one creditor, from one bank in my life. I have 2 negative accounts from XXXX XXXX and two negative accounts from Midland and XXXX XXXX all for the same account. It should be illegal for collection agencies and shady creditors to financially ruin you.
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear Manager, I am notifying you of issues with the information on my credit report. I am curious as to how you are allowed to report this information. With a little research, I found out that I have some rights in place. This letter will serve as a formal dispute under FACTA section 312. This law gives me the right to dispute my credit information directly with you instead of dealing with the run-around that happens when someone goes to the credit bureau. Please take note that I have already dealt with the so called investigation process that the bureaus claim to have completed. Nonetheless, I now wish to exercise my rights to dispute this account directly with you. 

I would like to dispute the inaccurate reporting of the above account. Please verify the following : That all balances and amounts are reporting correctly. 

That all dates are reporting correctly and that any prior pay history you are reporting is correct Please remove this account from my credit report immediately! It has caused quite bit of damage. I want to point out that you are legally liable for any erroneous information as decided in XXXX XXXX. XXXX XXXX. This case set a legal precedent that a consumer can sue you for reporting inaccurate information on their credit report. I demand that you remove this account immediately. Should this account not be taken care of, my next step will be to file complaints with the FTC, XXXX, State Attorney General, and any other place I can think to file a complaint. I trust this matter will be handled promptly. 

Thanks for your prompt attention to my concerns, Sincerely yours,
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my updated Credit Report, incorrect information are being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the unauthorized inquiries have been removed.
Consumer complaint received 2019-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I went with my son to XXXX XXXX so he could buy himself a vehicle. My sons credit was keeping him from making the purchase. The salesmen told me that if I cosigned the loan it might have a chance of going through. I did and it was approved. My understanding is that I am not responsible for this loan UNLESS my son defaults on the loan. This loan turned up on my credit report as mine. They also listed my sons employer as my employer. I have been retired since 2014 and never worked where my son works. I have disputed this on XXXX XXXX  twice and both times they said it was mine and is staying on my report. This is my third attempt to correct this error.
Consumer complaint received 2019-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

I was hospitalized for a foot operation and went to rehabilitation center to walk again. I was never notified of this bill for {$230.00} until it showed up on my credit report. The disputed dates were in XXXX of 2018. I had both Medicaid, Medicare XXXX XXXX and XXXX, a LTMC ( Long term medical coverage ) I don't know who these people are or what this {$230.00} is for.
Consumer complaint received 2019-06-21
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. (CA)

I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SENT MY IDENTITY THEFT REPORT TO EQUIFAX. BUT EQUIFAX IS NOT REMOVING THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. THE ACCOUNTS WERE OPENED WITHOUT MY CONSENT, I HAVE BEEN CALLING AND FAXING THEM ANY INFORMATION THEY NEED BUT YET THE ACCOUNTS ARE STILL NOT REMOVED. AND THIS PROBLEM IS ONLY WITH EQUIFAX.
Consumer complaint received 2019-06-21
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. (TX)

The following company did an unauthorized inquiry on my credit report, I do not have an account with these companies and i want theses delete from my credit report. Dates inquiry were made : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/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 F XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO 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 2015-12-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (VA)

I took a loan with Care Credit at my dentist 's office for paying for an expensive 18 month treatment. I was told the loan was interest free. Now I am paying interest each month. My balance of nearly {$1000.00} does not go down very much. Making payments on time is difficult. I ca n't get a history of my account or what I agreed to.
Consumer complaint received 2021-06-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed a paid-close account ( XXXX XXXX # XXXX ) opened XXXX. My issue with the account was not resolved. I spoke with XXXX XXXX on XXXX about my account # XXXX and having it removed. The agent informed me that upon completion of payment for the account XXXX XXXX sent out a notice to have it as paid status and removed from my credit report. She also stated that I would have to contact the credit reporting agencies to inform them of this and to have the account removed from my credit report.
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (LA)

On XX/XX/2013 to XX/XX/2013 @ the address is XXXX XXXX XXXX in XXXX XXXX, LA. XXXX, my niece, XXXX XXXX used my name, Mr. XXXX XXXX, and my SSN # which is XXXX to apply for XXXX XXXX Data & Telephone Services without my knowledge and/or approval. XXXX is contacting myself, Mr. XXXX XXXX to collect on this debt which is NOT mine, but is that of my niece XXXX XXXX and it is having a negative impact on my credit score and  report.I would like for this matter to be rectified as soon as you possibly can. If you need any further information, please do not hesitate to contact my son, XXXX XXXX directly at ( XXXX ) XXXX or myself at ( XXXX ) XXXX.
Consumer complaint received 2023-05-18
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. (NV)

In accordance with the Fair Credit Reporting Act account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions.

15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish information relating to a consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2018-02-22
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: Experian Information Solutions Inc. (TX)

This is a rebuttal to a previous complaint. 

i did not request to have collectors removed like you said in the last message ... did you even read what I wrote? 

I already did it myself!! What I want to know is how is it that I can remove items from my credit report but when i file a dispute with you all, BEFORE i tried removing them myself and you all rejected my dispute!!!
Consumer complaint received 2019-06-21
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. (CO)

I am puzzled why these accounts show up on my credit report out of nowhere..It must be that someone use my identity..The account XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  # XXXX XXXX ) XXXX was fraudulently opened in my name..I did not make the charges..I am requesting that the item be blocked to correct my credit report ...
Consumer complaint received 2019-06-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Credit Corporation (IL)

I have a monthly auto draft of {$360.00}. On XX/XX/2019 this amount was taken out of my account twice causing my account to overdraft. I called Avant and was informed that they were only showing one payment pulled. They stated there was nothing they could do. I called my bank and was told that there were two charges pending. I filed a claim with my bank. However Avant is able to claim that they only received one payment and require me to pay the second amount.
Consumer complaint received 2019-06-21
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. (CO)

I am puzzled why these accounts show up on my credit report out of nowhere..It must be that someone use my identity..The account XXXX   XXXX was fraudulently opened in my name..I did not make the charges..I am requesting that the item be blocked to correct my credit report ...
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Finance LP (GA)

Selene Finance admitted inadvertently reporting my payment status as delinquent ( letter dated XX/XX/19 as a response to my previous complaint about them to CFPB ) and they still have not corrected that mistake. They stated in the letter they were completing the necessary adjustments to the account on XX/XX/19 and would report the status of the account as Current but that has not been completed as of today. This has caused me much stress since I am trying to apply for a refinance.
Consumer complaint received 2019-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BB&T CORPORATION (GA)

XX/XX/XXXX in the amount of XXXX on a car loan. My car payments was paid on time every month. My car was total out due to an accident back in XX/XX/XXXX. The insurance company paid out to regional acceptance Corp and gap insurance paid off the remaining balance owe on vehicle. Company stating that I still owe them a balance of XXXX I do not owe the company anything. I request this company to remove this item off my credit report, because they has no proof that I owe them or I will proceed to seek legal actions in the future for trying to over charge me for a vehicle that was paid off and I no longer own
Consumer complaint received 2019-06-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC (OH)

This company refuses to work with me by lowering the monthly payments to something I can afford as I do not have a full time job any more. They continue to harrass me with phone calls and text messages. Also the interest is outrageous and causes the payback cost to increase exponentially daily.
Consumer complaint received 2019-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: 1st Franklin Financial Corporation (AL)

On XX/XX/XXXX I started getting garnishment on my check for an old loan. XXXX XXXX  has not updated my payment history in my credit report. They haven't updated that I paid it off, I've submitted a document showing that legal deductions in the amount of {$550.00} was taken out. I did a dispute and all they did was updated it as negative payments and changed it from {$560.00} to {$470.00}. But what doesn't make sense if they changed the balance to {$470.00} then why didn't they change my payment history. Everything is incorrect with what this company reported.
Consumer complaint received 2019-06-21
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. (ID)

I am puzzled why these accounts show up on my credit report out of nowhere..It must be that someone use my identity..The account XXXX XXXX XXXX was fraudulently opened in my name..I did not make the charges..I am requesting that the item be blocked to correct my credit report ...
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Equifax is reporting un-verified accounts on my credit report.I have no knowledge of these alleged debts. I have disputed these debts with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX XXXX XXXX late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Charge-off not my account belongs to someone else XXXX XXXX Late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Consumer complaint received 2021-10-15
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. (PA)

I disputed hard inquiries and submitted an FTC report to all 3 credit bureaus regarding fraudulent accounts. 

Transunion - XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX - XXXX XXXX XX/XX/2021 XXXX - XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

I have called and continually tried to gather a credit report/score from BOTH Equifax and XXXX  with no success. Both of these websites are down and in Equifaxs case, so is the phone number they tell you to call if there is a problem. I have tried for over a Month with BOTH of these credit companies to produce my reports and scores in response to either a free request or a suspected fraud request and they have yet to be able to fix the websites to be able to do so. My credit scores are a huge determinant in my future and I am trying to actively gather and repair improper collections accounts and both of these cant produce reports.
Consumer complaint received 2019-06-21
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. (NC)

I filed my initial dispute with Experian on XX/XX/2019 for several accounts. Upon completion of their investigation on XX/XX/2019, Experian claims that the furnisher verified the accounts. On XX/XX/2019 I requested method of verification to include a complete and detailed description of Experian 's investigation process ( see attached : XXXX ). I was met a refusal to reinvestigate ( see attached : Refusal to Reinvestigate ).