davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc. (CO)

I checked my credit score on XX/XX/XXXX and noticed it dropped 55 points because something was in collections. The amount was for {$140.00} and the account was opened on XX/XX/XXXX. The company was First Credit Services. The original debt was from XXXX XXXX XXXX. I called First Credit Services and told them I never received a notice or a phone call. Then then asked for my phone number and address. The address they send my collections to was an address I moved out of in XXXX of XXXX. 
I canceled my gym  membership in XXXX of XXXX and paid first and last month of my membership. They charged me late fees and in XXXX charged me an annual renewal fee even though I canceled in XXXX. I was not aware anything was going to collections and XXXX never called me to inform me.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I called XXXX XXXX XXXX on XX/XX/2020 and opened a payment protection claim on my loan since I was laid off from my job. They indicated they will file a claim for me and I won't need to make a payment. 

They lied and reported my account 30 days to all 3 credit bureaus
Consumer complaint received 2018-07-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cordoza & Wexler Recovery Services (DE)

I received an automated phone call from XXXX which stated to press 1 to speak to a person regarding debt. I reached a person XXXX who stated she was with XXXXXXXX XXXX XXXX XXXXXXXX company. She advised I had a debt with XXXX XXXX XXXX loan from 2012 for {$320.00} but with late fees and interest added on total owed is {$920.00}. When I asked her to verify the company address and or website so I could call myself before providing any credit card information she became rude and disconnected the call. I have received no further calls or any documentation in the mail advising of any past due debt or court documents of any legal action against me. I have paid my loan entirely with XXXX XXXX XXXX loan and owe nothing.
Consumer complaint received 2018-07-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have submitted a complaint about a new collection on my credit record. I have a receipt showing payment of the bill. I have submitted this information to XXXX three times. Every time I submit it, I receive " dispute open '' emails. When I try to view the progress, I am told the dispute does not exist. Today, I received an email saying my dispute was completed. When I tried to view the dispute results online, I get an error message. I called on the phone and they told me my dispute did not exist. I have emails which show I filed the dispute, and I have an email saying the dispute is completed. And I have a receipt for the amount that has been reported to my credit report.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (NC)

The investigation by Experian was filled with nothing but LIES! The contact information supplied by Experian was false and do not work! since the company does not exist anymore - They have no contact number! 
So just as I originally reported, Experian falsely reported and falsely adjusted my credit score over a late payment that happened years prior. There were no new reports from the company because they are not in business, another company purchased that company.
Consumer complaint received 2021-04-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

Why are you disputing RESURGENT/LVNV FUNDING? 
Other reason Use this reason if none of the available dispute reasons describes your situation. To submit your dispute, you must enter an explanation that specifies why you believe the information is inaccurate. 

back button Reason and details Add a Comment Add more detail to your dispute109/210 characters LVNV never surrendered proof off fees and never sent any supporting legal documents with company letter head. 
back buttonReason and details Do you believe this information appearing on your Credit Report may be a result of identity theft? 

back buttonChange Dispute Reason If you believe that this information appears on your Credit Report as a result of identity theft, contact us by phone immediately. 
Report # : XXXX XXXX Mon - Fri : XXXX - XXXX back button Reason and details back buttonReason and details General Account Info Report Number : XXXX Date Generated : XXXX XXXX, XXXX Account NameRESURGENT/LVNV FUNDING Account NumberXXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$1300.00} past due as of XXXX XXXX. 
Status UpdatedXX/XX/XXXX Balance {$1300.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$1300.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX
Consumer complaint received 2018-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Friendly Finance Corporation (PA)

I have been paying on my car loan for over five years now. According to the truth in lending statement signed XX/XX/13, my original loan was for {$16000.00} at an annual percentage rate of 15.95 %. My simple finance charge was to be {$8400.00}. So total price was {$25000.00} of which I paid {$1000.00} down, leaving me with {$24000.00} to pay. Payments were to be {$370.00} per month for a total of 66 beginning XX/XX/13. I will admit I had some difficulties with payments a couple of times, but I worked hard to make them up by making extra payments. There were times I would pay over {$1000.00} to my account to make up for missing payments. However, here we are, five years later and according to my lender I still owe {$11000.00} on my loan. I have tried to have them explain this to me. I have asked how this was possible considering my TIL statement. They can not give me a straight answer. I was looking to pay off this loan and be done. But with this much owed, it is impossible. I can not even trade the car in! I have asked for and received a ledger showing the amounts I have paid over the last five years. It does not make a whole lot of sense because half way through they changed computer systems. But, adding up the amount of my payments I get a total of {$26000.00}. This is over what my TIL statement claims I should have paid.
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am seriously tired of capital one giving me the run around about a dispute with budget.com. I have been given multiple messages, wasted lots of time and more
Consumer complaint received 2023-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (KY)

Back in the XXXX  or there about we took a loan out for XXXX for home improvement loan. The original loan was not with Wells Fargo but when we paid it off and we paid it off early Wells Fargo took over the loan I dont know when they took it over but after paying off the loan early they said we still owed XXXX XXXX  I couldnt believe what I was hearing but I did get a local lawyer involved and he got it reduced to XXXX XXXX I still cant believe I still owed money after paying off the loan. I just heard on the news about a lawsuit that Wells Fargo was buying loans and maybe mismanagement Im wondering if I can see if I can get my money back I know its a long shot but just hoping there is some justice for me.thanks for any help
Consumer complaint received 2022-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

I had a cash app account on my phone. My phone was stolen and they hacked my account and spent all my money it happened around XX/XX/2024. And change all my information in my cash app account. Now they cant find my account on cash app because the people who stole my stuff change my information.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX I # XXXX Account XXXX XXXX XXXX I XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-28
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)

Recently My banking accounts where hacked and several loans online where opened, I have contacted the banks, obtained police reports and filed identity theft report. Most where removed except for one creditor. I provided them all the above documentation but they have not provided any verifiable proof of contractual agreement showing my signature. Credit report is payments are beng made but I haven't made one payment and they are contacting me trying to collect on an account opened fraudulently.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (NJ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}
Consumer complaint received 2022-08-12
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. (MS)

in accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S. C 1681 Section 602 A. States I have a right to privacy 15 U.S. C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-11-12
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ON HAND. BECAUSE OF THIS, IT HAS CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-08-17
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. (FL)

I have attached an account that all is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached a highlighted picture with all of the inaccuracies highlighted.
Consumer complaint received 2020-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCE CORPORATION (FL)

XX/XX/2020 {$6500.00} Paid account in full on XX/XX/2020 which has cleared my account. 

I emailed the branch manager, XXXX XXXX, to request the contract paperwork showing paid in full and my title. Due to my having to get an attorney in the prior year when they were adding charges fictitiously. Either way, I called the branch this morning at the direction of the branch manager and was told she was in a meeting. When I advised them that she just told me to call her, the guy cussed and said he didn't have to explain anything to me and hung up.
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

I am a victim of identity theft and this account does not belong to me. I have contacted this company yet they still report a fraud account that they have no valid proof of bearing my real signature. This account does not belong to me and it was open as a result of identity theft.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom it may concern, My XXXX XXXX credit card is still showing open on my TransUnion even though this was included in my bankruptcy this year ( case # XXXX ). Because of this still showing on my account has having a balance of {$550.00} out of {$500.00} limit, it significantly dropped my credit score from XXXX in XXXX of 2020 to the current XXXX.
Consumer complaint received 2020-10-26
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)

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO APPLY FOR ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the fair credit reporting act XXXX, XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Balance {$11000.00} US DEPT of Education, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX  XXXX XXXX XXXX, Account # XXXX 15 USC 1681 602 States " I have the right to privacy. '' 15 USC1681 604 A Section states " a consumer reporting agency can not furnish an account without my written instructions. '' 15 USC 1666B states " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL (CA)

Company misapplied payment for XX/XX/2020 and posted all at once at a later date in attempt to correct after my correspondence. 

This was reported adversely for the month on CRAs I called on XX/XX/XXXX and was advised it would be fixed on CRAs when the account updated on XX/XX/2020 yet to be rectified unfortunately
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.