davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX ) XXXX Installment loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX ) XXXX Rental on behalf of XXXX XXXX  XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX. 
XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Charge Card. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX ) XXXX Rental on behalf of XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 
Not disputable online FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2019-09-16
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. (OH)

An account that can not be verified is listed on my credit reports. I attempted to contact the company, XXXX XXXX XXXX at the address listed on the credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Unfortunately, the US Post Office attempted to deliver the letter and found that the address does not exist. The letter is being returned to my home. A link to the tracking info is below. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter was sent on XX/XX/XXXX. During the investigation by Experian, the address for XXXX XXXX was changed to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
This tactic imposed by Experian has prevented me from contacting the business in a timely manner. In addition, the address in XXXX, Michigan has conflicting information listed in public records. According to the XXXX XXXX XXXX and whitepages, a company called XXXX XXXX , XXXX is listed at this address. Below is a link. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AUTOMOTIVE CREDIT CORPORATION (NM)

I got XX/XX/year> and the info on the closed date and price is only for what is owed not what the car was loaned for Ive tried to call and work with them for payment but couldnt agree on price for payment
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

The account was in charge off status on my report from Equifax and XXXX I disputed the account and it was removed from XXXX but not Equifax. In XX/XX/2020 it began to show as an open account and as current which dropped my Equifax score down over 120 points. As of XX/XX/2020 the account reappeared on my XXXX account showing open and current! I have not And will not ever paid on this account as my XXXX ex husband fraudulently obtained this loan! It has gone from XXXX usd to over XXXX usd I can not afford to pay this loan due to Covid-19. I have no supporting documentation that this account was open fraudulently as I have no contact with my XX/XX/XXXX! However if you look at the history of the account you will see it should not be reported as open and current!
Consumer complaint received 2019-09-16
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: ENCORE CAPITAL GROUP INC. (OH)

An account that can not be verified is listed on my credit reports. I attempted to contact the company, Midland Funding LLC at the address listed on the credit report. 
Midland Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Unfortunately, the US Post Office attempted to deliver the letter and found that the address does not exist. The letter is being returned to my home. A link to the tracking info is below. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX This letter was sent on XX/XX/XXXX. During the investigation by XXXX, the address for Midland Funding was changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
This tactic imposed by XXXX has prevented me from contacting the business in a timely manner. In addition, the address in XXXX, Michigan has conflicting information listed in public records. According to the XXXX XXXX XXXX and whitepages, a company called Asset Acceptance , LLC is listed at this address. Below is a link. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-08
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. (NC)

On XX/XX/year>, I received an email from XXXX XXXX XXXX XXXX ( located at XXXX XXXX XXXX XXXX, NJ XXXX ) concerning an alleged debt for XXXX XXXX under XXXX XXXX # : XXXX. I disputed the validity of the debt with XXXX XXXX XXXX via e-mail and their online dispute form. According to XXXX XXXX XXXX : " If you write us by XX/XX/year> we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at https : //mrsbpo.com. 
Although I disputed this account and have not received any response, I am seeing a collection with XXXX XXXX on my Experian credit report. I also received no contracts to validate the alleged debt. I am submitting proof that my dispute was submitted before XX/XX/year> and so there should be no collection from XXXX XXXX on my credit repoit.
Consumer complaint received 2022-07-18
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2021-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I initially sent a series of letters to the debt collection agencies. 
I am fully aware of how reporting works and found evidence of non-compliance in accordance to the E-Oscar and Metro 2 format procedures to report. 
Please see attached documents of proof of me sending the letter. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.
Consumer complaint received 2018-12-27
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Merchants and Medical Credit Corporation, Inc. (CA)

On XX/XX/2018 I received a phone call from this debt collector at XXXX XXXX  PDT from their telephone number XXXX. In addition she did not even know who she was calling and said the wrong name at first.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I intended to receive a free credit report using XXXXXXXX. At some point during this process I was signed up for paid credit monitoring from Transunion, which I only discovered when reviewing my bank statement. I never had any intention of signing up for Transunion credit monitoring at {$20.00} a month. 

I believe this was the result of deceptively arranged fine print and/or a box located at the bottom of a webpage. There are already numerous online accounts of consumers being signed up for unwanted monthly credit monitoring via the same process. I intend to immediately cancel my subscription and seek a refund for this unwanted product.
Consumer complaint received 2019-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Accounts & Advisers, Inc. (TX)

There is a Derogatory Collection account on my credit report. Reporting a Balance of {$900.00}. Im sending a complaint due to the fact that I dont owe this debt. I was XXXX   during the time this company laid me off which was wrongful. And I was not given a chance to contact anyone with the company to Dispute this matter. I dont owe any amount to this company.
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc. (NC)

National Credit Management is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681i and 15 USC 1692 ( a ) ( 5 ) there is no debt. 

This assumed debt was charged off after an internal credit in the amount of the loss in order to zero out the balances and close the account. The loss balance is then transferred from the Internal Active System to the Internal Collections System which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been zeroed out and the contract has been satisfied. 

This consumer is only responsible for the zero account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then National Credit Management has no claim. 

I hereby irrevocably refuse to consent/contract to National Credit Management agency because there is no law required for this consumer to do so. Until National Credit Management agency can provide a lawful authority by which this consumer is subject to comply with submitting to National Credit Management or jurisdiction in violation of my rights to be free of involuntary servitude. 

This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) National Credit Management is hereby warranted to Proof of Claim in Arbitration.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a full-time dental student and a part-time service member in the XXXX XXXX. I am having an issue with getting the Us Department of Education Default Resolution Group to fix the inaccuracies on my credit report. They are reporting data for 11 accounts to the credit bureaus. My student loans went into default on XX/XX/XXXX as a result of being laid off from my job. They were transferred from Fed XXXX XXXX to the US Department of Education Default Resolution on XX/XX/XXXX. First, on my XX/XX/XXXX credit report, the accounts were re-aged which is a violation of the FCRA. The account status date changed from XX/XX/XXXX to XX/XX/XXXX this effectively extended the time that the accounts are to be reported on my credit report. Next, on my Transunion credit report, they are reporting a payment history that shows the same accounts went into collections on XX/XX/XXXX. This is impossible because my loans did not go into default until XX/XX/XXXX. The loans were not transferred to the US Department of Education Resolution until XXXX. They should not be reporting any information prior to that. Also, they are reporting that monthly payment on the accounts even though the accounts are closed. Not only is the information inaccurate, but it also contradicts what is being reported by XX/XX/XXXX. On my XX/XX/XXXX credit report, in the payment history, it is reporting 3 dates for the collection : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again, this contradicts what is being reported by XX/XX/XXXXand Transunion. I contacted the Us Department of Education Default Resolution over 15 times in the span of 2.5 years asking them to fix this issue. They told me that they can not fix the issue and that I needed to dispute with the credit bureaus. I've dispute with all 3 credit bureaus several times via mail, online, and over the phone but nothing has changed. I've been dealing with this issue since XXXX of XXXX and need this issue resolved.
Consumer complaint received 2018-12-27
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: Fidelity National Information Services, Inc. (FNIS) (NY)

In XX/XX/2017 I sent a Non-Negotiable NOTICE and DEMAND to Chexsystems. They never responded with my request.
Consumer complaint received 2023-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC. (TX)

They repeatedly call me at work on a daily basis. I have advised them to stop. I have told them they do not have permission to be contacting my at my place of employment. They flat out told me that they are not listening to my demand for them to stop contacting me at work.
Consumer complaint received 2023-10-16
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: CITIBANK, N.A. (IL)

Went to check my credit score and it has one hard inquiry from CBNA that i do not recognize nor did i apply for this. i requested infomation from the company and all they keep saying is verified and accurate. i have showed the police report stating that im a victim of identity theft and still weren't able to give me answers
Consumer complaint received 2019-09-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Rocket Mortgage, LLC ()

I am from XXXX XXXX, I met a guy on XX/XX/2019 around XXXX local time, who claim himself come from New York, and will stay in XXXX XXXX for work for a week. 
We exchanged contact number ( His Number : +XXXX ( XXXX ) XXX-XXXX ) for XXXX XXXX tourist information. 

Today XX/XX/2019 XXXX local time, I got a XXXX message from someone's Number +XXXX ( XXXX ) XXX-XXXX, which display he is from QUICKEN LOANS INVESTMENT, and said I applied for loan. 
I do straight rejected, and tell, I didn't apply for any loan, and ask to close case and delete my number. Then with no reply. 


I hope to protect my number and avoid any cases. 

Thank You
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Based on the FCRA 15 USC 1681 ( 5 ) ( A ), the account with XXXX XXXX has several violations which include : XXXX XXXX Based on the provided credit report information, here are the discrepancies and inconsistencies found between each credit bureau : Account Holder : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistency : The account holder information is partially redacted, making it difficult to confirm if it is the same across all bureaus. 
High Balance : Experian : {$770.00} XXXX : {$710.00} XXXX : {$770.00} Inconsistency : The reported high balance differs between Experian and XXXX. 
Monthly Payment : Experian : {$99.00} XXXX : {$97.00} XXXX : {$99.00} Inconsistency : The reported monthly payment differs between Experian and XXXX. 
Last Reported : Experian : XX/XX/2023 XXXX : XX/XX/2023 XXXX : XX/XX/2023 Inconsistency : The last reported date differs between Experian and XXXX. 
Past Due - XXXX  Days : Experian : XXXX XXXX : XXXX XXXX : XXXX Inconsistency : The number of past-due days ( XXXX days ) differs between Experian, XXXX, and XXXX. 
Remarks : Experian : - XXXX : Canceled By Credit Grantor XXXX : Account Closed By Credit Grantor Inconsistency : The remarks differ between XXXX and XXXX. 
Responsibility : Experian : Individual XXXX : Individual Account XXXX : Individual Account Inconsistency : The reported responsibility type differs between Experian and XXXX. 
Credit History Timeline ( Late Payments ) : There are discrepancies in the reporting of late payments ( XXXX, XXXX, and XXXX  days ) across the XXXX credit bureaus. Detailed information about specific months is not provided, so it's challenging to identify the exact inconsistencies in the timeline.
Consumer complaint received 2019-01-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX . XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this account. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

In XXXX of 2017, I financed a XXXX through " Care Credit ''. I was told this was a special card to help cover medical expenses. I was told the balance would be divided up into the number of months within the promotional period ( in my case I requested 24 months ) and that as long as the payments were made on time, and no other charges were made, the balance would be paid by the end of the 2 years and no interest would be charged. As soon as I opened the card I registered for an online account so that I could set up auto pay so there would be no risk of violating the rules of the promotion. I also signed up for email alerts so I would receive notification that a payment was due and that payment was made. This month, when I received notice that payment was due, I realized I had already made 25 payments so the balance should have been cleared by now. I logged into my account and found that I somehow still had a {$12000.00} despite already having paid back the {$10000.00} that I had originally financed. I started looking through all the online statements ( which I had not been looking at since I had set up auto pay and was not charging any additional purchases to the card ) and I noticed that I had been charged a {$160.00} " security service fee '' every month. I don't know what this service is and I certainly never authorized it. I would have no need for any additional security services on a card which was opened only used to finance a single charge. 

Since {$160.00} of my monthly payments were going towards this fee, and not the balance, after the 24 months, I still carried a balance and therefore seem to have been disqualified from the promotion. The monthly statements are so vague it's impossible for me to understand how the current balance is possible. I see no explanation of the promotion rules, the promotion period or of the additional service charge. 

This is a scam designed to disqualify anyone from actually receiving the advertised promotion and causing even a consumer who has never made a late payment to be penalized with an absurdly high interest rate.