davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-03
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)

I am a victim of identity theft and has notified Experian of my identity being tampered with. I have requested for unauthorized inquiries to be removed from my report. There are several unauthorized inquiries that needs to be blocked from my credit profile. 

My request is for the following Creditor inquiry to be Blocked XXXX XXXX : Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2019-07-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (GA)

Over the past few months GM Financial has not been applying payments made from my financial institution to my account and ultimately have reported inaccurate information on my credit report showing late payment history. I have never been late and it is an internal problem with their company. I have attempted to rectify this on multiple occasions with multiple people at GM Financial and they are unwilling to return phone calls to me when requesting to speak with a supervisor. I have documentation of payment history attached to this complaint. This has negatively impacted my ability to pursue a refinance on my home due to their internal error and negative reporting of payment history on my credit report. What could be so hard about looking up the last name on my check to accurately report my payments.
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 


Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the XXXX XXXX XXXX, and thus they are not reportable as per the FCRA, since they are not accurate. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc. (PA)

I was contacted by a company representing themselves as " SIMM Associates '' regarding an apparent XXXX debt. They have called me from spoofed phone numbers & not their legitimate toll free number. They have not actually sent me anything in the mail. But I do not currently have any debt with XXXX as of XX/XX/2019. I have paid the collections agency that notified me via mail. They are leaving me messages saying to call back with a reference # XXXX.
Consumer complaint received 2022-02-02
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)

On XX/XX/2022 I sent in a FCRA XXXX letter. I didn't receive a response back. I then sent a 30 day Validation and still didn't receive anything back... furthermore they did not receive my consent, no consent is identity theft. Under 15 USC 1682b Permissible Purpose of consumer reports ( a ) In GENERAL- Subject to subsection ( C ) any consumer reporting agency furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX XXXX XXXX NEVER gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. Concerning the accounts listed below as a consumer demanding deletion of these accounts. 
XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX - ACCT # XXXX
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (VA)

I sent in a letter to the company to have them validate the debt. I specially ask the to attach copies of agreement with their client that authorizes them to collect on the alleged debt, agreement that bears signature of the alleged debtor and a complete payment history on the account so as to prove that the debt amount they wish to collect is correct. They never sent me neither of those documents. The only documentation that they provided to me was a bill from XXXX billing date XX/XX/2018. THAT IS NOT PROPER VALIDATION!
Consumer complaint received 2019-07-03
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. (NV)

Received information from another creditor whom denied me an extension of credit due to a negative entry on my credit report placed by XXXX XXXX. After receiving the notice via mail from the creditor, they referenced Equifax as the provider of data. I pulled my Equifax report to find XXXX XXXX had placed a negative entry on my credit file which also appeared on my XXXX  file. I sent a debt validation letter to XXXX  XXXX dated XX/XX/2017 via USPS Certified mail with Return Receipt. XXXX XXXX received the debt validation letter as evidenced by the signed Return Receipt I received back from post office. Although XXXX XXXX never provided a response to my request for debt validation via mail nor phone, they removed the negative entry from my XXXX file but did not remove the negative entry from my Equifax file. Due to XXXX  XXXXXXXX XXXX failure to validate the debt as requested and their refusal to respond in an appropriate time frame, I am requesting immediate removal of this negative entry from my credit file as I am entitled to receive under the Fair Debt Collection Practices Act. Prompt attention to this request is appreciated.
Consumer complaint received 2023-03-20
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. (IL)

When I review my credit report in Identity IQ dated XX/XX/2023, I realized that the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2019-07-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (TX)

I have received a call every day ( multiple times ) since last Wednesday from Radius Global Solutions, and this debt collection agency continues to call after I have notified them that I won't be able to do anything about it for another month. The bill in question is a surprise or balance bill from XXXX XXXX XXXX, and they debt collection agency is excessively calling me after I told them I wouldn't be able to pay it now. When I visited the emergency center to get XXXX after a wreck, I was ensured by the administration team that the place/providers were in my network, but I got this bill after the fact because they misled me. They also misled me to believe it was a urgent care center instead of an emergency room. The bill in question is now illegal in this state, and I have serious questions about the ethical nature of collecting this bill. I have about 15,000 dollars in debt, and most of it is medical debt. I know the collection agency has no idea of what the bill is for but their tactics have been excessive and most likely violating regulations. 

Medical Debt is hurting so many Americans and government is just now trying to fix the chaotic state of insurance, providers, and big pharma in this country. Criminal what the healthcare system is doing in the modern age to profit off of hard working Americans.
Consumer complaint received 2024-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Wellsfargo fir reasons unknown after several several attempts to dispute transactions on my acount with were ach out of my account unauthorized. They refused to credit the account over XXXX was taken out of my account. I tried so many levels of help and so many departments supervisors i called and spoke to people in evry department. At the end the closed out my accounts XXXX I was left with a loss of XXXX. They refuse to fix it.
Consumer complaint received 2019-10-10
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: EQUIFAX, INC. (NY)

A dispute was made to correct inaccurate reporting yet they added more inaccurate late payment information they refuse to report the date closed and the date sold which will removes the late payments after the closed date, On XX/XX/XXXX this account was closed it was then charged off on XX/XX/XXXX and sold on XXXX XXXX. you can not be late in payments after a account has been closed and charged off and sold. 

Explain to me how can I be late 120 days in XXXX, XXXX and XXXX and XXXX of XXXX when this account was closed on XX/XX/XXXX charged off and sold XX/XX/XXXX Explain tome how can I be late 59 days in XX/XX/XXXX in XX/XX/XXXX90 days in XX/XX/XXXX120 days late in may 150 days late in XX/XX/XXXX180 days late in XXXX of XXXX when this account was closed on XX/XX/XXXX charged off sold XX/XX/XXXX, XXXX they have no right to report late payments for the year XXXX if they sold this account on XXXX XXXX
Consumer complaint received 2019-10-10
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. (FL)

XXXX  ; Experian and XXXX  are reporting incorrectly on the XXXX XXXX  XXXX/XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-12-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. O n XX/XX/2019, CAP1/LORD AND TAYLOR add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-11-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE (TX)

This account is currently pending on my credit as " derogatory '' even though I paid the full amount of settlement. I was promissed that it would be closed on my account as " settled. '' The " derogatory '' status has greatly decreased my score.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To whom it may concern, Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the numerous written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite numerous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Also, I received a letter stating I contacted transunion to add a 90 days initial fraud alert on my account. That is a LIE because I never contacted anyone, I have only been disputing the unverified accounts so you decided to place the alert on my behalf without my consent, which is against the law. I am requesting for the fraud alert to be removed immediately I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account Suntrust XXXX Unverified Account
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (GA)

NELNET Account XXXX 15usc 6801 Protection of Non- Public Information NELNET has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy NELNET did not clearly and conspicuously provide the disclosure forms.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Turning Point Solutions LLC (OH)

This company calls me 15+ times a day and has now started calling my parents on both their landline and cellphones. They dont ask my parents for my current contact information because they already have it. They have shared private information with my parents stating that they are trying to collect a debt. I have asked them to stop contacting my parents and they wont stop. I also get calls every day of the week including starting at XXXX on Sundays.
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MA)

DuringthepurchaseofticketsonFrontierAirlines,IsawabanneradforXXXXmilesanda{$100.00}statementcredit,followedbytheinstructionstoApplyatPurchase.Basedonpreviousexperiencewithbrandedcreditcardsaswellasthephrase"ApplyatPurchase'',IthoughtIwouldbeabletoapplyforthiscardattheandplacemypurchaseonitduringthisXXXXtransaction.WhenIgottothepaymentscreen,therewasnooptiontoapply,asshownintheattachedphotos.Placingthecursoroverthe"ApplyatPurchase''buttoncausedthemousetoturntoani-bar(notaclickablebutton).

WhenIcalledcustomerservicetoinquire,IwastoldthatIhadtouseadifferentcardformypurchaseandthatIcouldapplyforthecardbuttheapprovalprocesswouldtake7-10daysandIwouldneedthephysicalcardtomakeatransaction.Withsomethingtimesensitivelikeairlinetickets,thisisbothunusualandinconvenient(andsurprisingly,nottoFrontier'sfinancialbenefit).However,mymainconcernisthatthisoffereddeal(a{$100.00}statementcreditandXXXXmiles)isnotavailablewhenacustomerappliesforthecreditcardinanyotherpartofFrontier'swebsite.Instead,itisanofferofXXXXmilesandnostatementcredit,receivableafterspending{$500.00}onthecardandpayingtheannualfee.Insum,thepromotionaloffershownonthewebsiteisnotactuallyavailabletoconsumers.

WhenIcontactedFrontier,theyrepeatedlytoldmethatyoucanapplyforthisdealduringthepurchaseprocess.IwasunabletodosoonXXXXdifferentdevicesusingmultiplebrowsers.Thebuttonissimplynotthereontheuserend.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This capital one account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. Capital one XXXX shows multiple times on credit reports as negative and inaccurate.
Consumer complaint received 2018-02-25
Product: Credit card or prepaid card — Store credit 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 (CT)

On XX/XX/XXXX I placed and order with walmart.com Order # XXXX the items show delivered on XX/XX/XXXX and left at the front door no signature just left not handed to a person but left. The other one shows delivered XX/XX/XXXX and left as well. The area is not the best area and Im not understanding why a package was left. I contacted walmart.com and they told me that they couldn't help me because the package states delivered. I asked why did the package not require signature they stated its up to them to decide if it needs a signature or not. I contacted XXXX XXXX XXXX to dispute the charge and they tell me since it shows delivered although the driver just left it the they can't credit dispute. So now I'm left with no product and a charge to my card that I'm supposed to pay with interest for items I didnt receive. Basically I feel like because I ordered from walmart.com with my walmart card they wouldn't decide in my favor any way because its the same company.
Consumer complaint received 2024-03-31
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (CA)

I am asking for help because i am being harassed by debt collector who calls me over and over again and even after i left the debt collector know that i was working at its not a good time for me to talk due to me being at work and i cant use my phone. They are still calling and i have numerous amounts of calls from the debt collector. 

i looked up this law 15 USC 1692 which is the FDCPA and in section 1692 c ( a ) ( 1 ) it says at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 

( at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXXXXXX and before XXXX XXXX XXXX, local time at the consumers location ) The debt collector still was calling me and they violated me again under the FDCPA i let them know that because I'm at work i cant take personal calls and due to me working long shifts and overtime i cant be on the phone and they continue to call me. This is a violation 15 USC 1692C ( A ) ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.