davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-17
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: Experian Information Solutions Inc. (CA)

The accounts and the balance reflected on the accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation. Please remove the following accounts XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX ( Original Creditor : 08 XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (NV)

# XXXX, showing in printout of my credit, but not on the screen. {$20.00} in XXXX or XXXX, the Dr 's office on XXXX XXXX in XXXX refused to bill correctly, bill now with ATG bill collectors. Left that office because I was totally disrespected in the office. Visited only twice after my original Dr retired next door, once to register & 1 follow-up appointment. I had XXXX XXXX & XXXX. Bill should have been paid if billed correctly. Called several times, office was totally unprofessional. Please removed this derogatory blimish. Thank you
Consumer complaint received 2018-07-07
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: JPMORGAN CHASE & CO. (TN)

Unauthorized Credit Inquiry -Second Request Dear Sir or Madam, Principle XXXX XXXX my credit to you after I specifically told them not to. They have been untruthful, unethical, and unapologetic in their business practices. I have already contacted them and they refuse to correct their behavior. To show their recklessness with my personal information to include my credit I have enclosed documentation. Unfortunately they have put your company at risk an action must be taken to correct the record. Specifically The buyers order that they sent to me minutes before sending to you is totally different. The amount financed on my copy is {$30000.00} The copy that was submitted to your organization was {$32000.00} a difference of {$1400.00}. Why would I want to pay more and why would I ask them to run my credit after I got a purchase order so I could obtain the loan on my own? I told them not to run my credit again. It is clear and can be proven I did not authorize this inquiry. I included a copy of an email that states exactly my situation and what I am looking for. This includes no money down, an early lease turn in/or buyout, and a lot of negative equity. My credit score was run on XX/XX/XXXX when I came in to the dealership and came back at XXXX from XXXX. Based on all of the above information I would expect that the sales manager is trained to know what options if any are available without having to run my credit over and over as was done in this case. In addition I am sure there are guidelines for each bank based on specifically the information that has been provided ( examples ) credit score, amount financed, ratio of loan to car value etc. I am requesting for a second time for this unauthorized inquiry to be removed. Failure to comply will result in complaint to the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as well as the FTC. I expect the unauthorized inquiry to be removed within 15 days of receipt of this letter.
Consumer complaint received 2019-01-17
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: Experian Information Solutions Inc. (TX)

Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 08 XXXX   XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX   XXXX XXXX ) XXXX,
Consumer complaint received 2018-08-03
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: EQUIFAX, INC. (VA)

I have contacted Equifax several times regarding an account that does not belong to me and was not authorized by me. I have been a victim of identity theft and provided Equifax with a police report explaining the account was fraudulently opened up. I have also contacted the collection company directly and they have acknowledged the account was fraudulent and have released me from the obligation of paying it. I forwarded this letter for deletion directly to Equifax along with my police report, social security card, drivers license, cover letter and they continue to inaccurately report this account on my credit report. 

I demand that they remove this fraudulent account from my credit report. 

The collection company has agreed to remove the file from my report, the police report explains I have been a victim of identity theft and Equifax still refuses to remove the account. 

Account : XXXX XXXX XXXX
Consumer complaint received 2018-07-07
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. (FL)

I checked my credit report from Experian, XXXX and XXXX and saw and incorrect account being reported. Ive contacted the collection agency and they were unable to validate the debt. They threatened to sue if I didnt pay the debt but provided no information. I want the debt removed as it is inaccurate.
Consumer complaint received 2022-07-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I notified Mazda Financial Services via certified mail # XXXX of my Right to Resend my contract do to the false & miss leading language contained inside the contract on XX/XX/2021. The correspondence was addressed to XXXX XXXX XXXX. Mazda Financial Services never honored my correspondence. Mazda Financial Services has violated 15 USC 1692e4 of the FDCPA The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

I dispute Nelnet Loan Services account for payment history. The payment history is incorrect for Nelnet Loan Services account. I am requesting that Nelnet Loan Services account is deleted on my credit report and credit file.
Consumer complaint received 2019-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (IL)

I have been a customer with Avant for a number of years. I have had a total of 3 loans with Avant and never had an NSF fee. I have never had such horrible customer service. I moved a payment from the XX/XX/XXXX to the XX/XX/XXXX thru their online system. On XX/XX/XXXX a payment attempted to be withdrawn from my bank account. I have received a $ XXXXfee from my bank as well as a $ XXXXfee from you. I call XX/XX/XXXX and spoke with a customer service rep, a manager and a section manager. I simply requested for the $ XXXXfee to be removed. Their customer service representative said I could not, I spoke with a manager by the name of XXXX who said she could not waive the fee, then I spoke with a section manager by the name of XXXX who stated the same. While waiting to speak to the section manager XXXX came on the line and stated " I'm going to need you to stop judging me ''. As I did state they have provided horrible customer service. Now I did schedule the payment well ahead of time thru your online portal and I was told " oh you just scheduled an additional payment not move your current payment ''. I attempted to be responsible and do the right thing by Avant but was unsuccessful. This caused overdraft with my bank freezing my account which made a {$2000.00} deposit be denied on my account. Not one person from Avant called I only found out because my deposit was rejected.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

I attempted to freeze my credit online at Experian 's official website. I fully completed the form and submitted. I was then presented with the following message : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' There was no further explanation. I tried again. No luck. 

I had no issues freezing my credit online with XXXX  and XXXX. I don't know why Experian failed. I tried to call their customer service number, but an automated message told me to mail in my information/documents for a freeze. 

I do not want to go through the physical mail option.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

There was 3 inquires from Cap One NA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (TX)

I had my bank account connected to Experian for credit for boosting my bills. Since I got in the XXXX my XXXX  account to give me credit for paying bills was somehow disconnected for over 3 months which I was not given credit for. When I contacted them about the problem I have not heard from them since and no resolution for the problem. I feel like they are purposely trying to prevent my score for raising.
Consumer complaint received 2019-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: STERLING JEWELERS, INC. (NY)

On XX/XX/XXXX I was emailed a receipt in the amount of {$3500.00} from XXXX XXXX. The receipt was in my name. However, I have never purchased anything from XXXX XXXX, and live nowhere near the store where the purchase was made. I contacted the store and was told that they could not help me and that I had to contact XXXX XXXX directly. I contacted XXXX XXXX and was told that I would have to visit the store in person to resolve the matter.
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associate are in violation of the Early Warning Notice. 
The clause state that consumer had to be notified before placing collection item on credit report. Had been XXXX  for the past XXXX  months and did not receive any notice. Attached is my release document from XXXX  and my address in XXXX.
Consumer complaint received 2018-11-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

In XX/XX/2018 and XX/XX/2018 I send a dispute into all 3 credit bureaus asking how did they validate the collection items ( XXXX XXXX, XXXX, and XXXX XXXX ) on my report after following up with their results of the investigation of my dispute, as required by the FCRA 611. I still have not received this validation or verification from all 3 credit bureaus.
Consumer complaint received 2018-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have disputed accounts with the credit company on XX/XX/2018,XX/XX/2018/,XX/XX/2018,XX/XX/2018 and reporting agencies XXXX, XXXX, TansUnion, they fail to verify the accounts under the FCRA SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) also 611 ( 5 ) ( A ).
Consumer complaint received 2018-11-29
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-11-29
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. (ID)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-07-27
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. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$620.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$6700.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$6900.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$6500.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$11000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00} XXXX and XXXX XXXX XXXX Date opened XX/XX/XXXX Date opened XX/XX/XXXX Balance {$000.00}.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (VA)

I opened a credit card account with JPMorgan Chase bank in 2018. Shortly after opening the account, JPMCB found a previously closed account ( XXXX ) and defaulted all of my login credentials to the old account. Locking me out of my account. 

I missed a payment due to this and JPMCB decided to file a missed payment to credit bureaus. My credit score has been largely effected by this and this is the only instance of me missing a payment. 

from XXXX, and from XXXX. This is the only instance of not paying my CC on time. Due to being locked out of my account because of an error made by JPMCB. Despite contacting them, they declined to withdraw the report.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX / XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MN)

I noticed I was locked out of my Coinbase account on Monday morning XX/XX/XXXX. I tried to get in and it would not let me. I contacted Coinbase to let them know I believe there was unauthorized access of my account. They then made me reverify my account. There was also a {$1000.00} XXXX request of my bank which I did not authorize. On Tuesday, XX/XX/XXXX I filed fraud reports with the FBI, FTC and XXXX, MN Police Dept. When I was able to access my Coinbase account, someone took my {$150000.00} in cash and bought XXXX XXXX and somehow moved them out of my account. I say somehow because the only account I had set up to take and receive funds was my bank, none others. On XX/XX/XXXX, Coinbase support replied back to me that they are not responsible if someone gets an individual 's login credentials. I called the XXXX XXXX and MN Department XXXX XXXX to report the fraud. The XXXX XXXX said there is nothing they can do since I reported it to the FBI. The MN XXXX XXXX XXXX was going to reach out to Coinbase. I checked with my phone provider XXXX about security breaches on my phone and they said they could not see any.
Consumer complaint received 2022-04-06
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. (NY)

On XX/XX/22. I sent a letter to Credit Bureau Experian in regard a charge off from XXXX XXXX. Their respond was investigation complete report by furnisher data. Still on my credit report. 

On XX/XX/22. I sent a credited letter again to Credit Bureau Experian in regard a charge off from XXXX XXXX. Sold to XXXX XXXX XXXX XXXX XXXX. I asked to send my any document bearing my signatures statement I own this debt. Their respond was investigation complete report by furnisher data. Still on my credit report. 

Yet again. On XX/XX/22 I sent another credited letter to Credit Bureau Experian in regard a charge off from XXXX XXXX. Sold to XXXX XXXX XXXX XXXX XXXX. I asked to send my any document bearing my signatures statement I own this debt. Their respond was investigation complete report by furnisher data. Still on my credit report. 

In the past two months. I've add to receive any documents bearing my signatures, that state I own this debt and nothing was send only " investigation complete report by furnisher data ''. Still no documents of any kind with my signature proving I own the charge of debt was even sent. I want so help in the matter. Thank you in advance. Namstes and have a peaceful day.
Consumer complaint received 2021-07-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect a debt that is not mine.