davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

there are many inquires from each of my credit reports that are not mine XXXX XXXX XXXX front point security XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card service the XXXX XXXX card XXXX Transunion XXXX XXXX XXXX XXXX 3 times XXXX 2 times network crs XXXX services XXXX XXXX card XXXX XXXX XXXX XXXX I have sent certified letters to all three credit bureaus and they have ignored my request to remove this information that is not mine. If this continues I will take them to small claims court for removal of this incorrect information
Consumer complaint received 2015-08-26
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings (TX)

The amount Speedy Cash charged is absolutely more than the amount I paid. I paid the amount of the loan but balance is XXXX that amount. I advised them to verify but got no response. The account is now with XXXX XXXX XXXX XXXX IN
Consumer complaint received 2017-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mid-Atlantic Finance Co., Inc. (FL)

My account was transferred to another lien holder in  XXXX   2016  without any knowledge of the changes. My last payment was n't processed with my previous lien holder. My account balance is incorrect, I w as two forms of paperwork with different balances. I changed my lien holder for the third time to a bank, my pay off account is different from the amount the previous two lien holder s told me I owed. I can provide proper documents upon request
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (MI)

*THIS IS NOT A DUPLICATE Before I received a letter saying my number was verifiable and that XXXX tried calling my number " XXXX ''. I am aware and have been in contact with LexisNexis and they surely 100 % verified me and so as my phone number ending in XXXX. It is now going on 2 months since " XXXX XXXX '' deposited the Auto Loan check I sent to her and it still has not been released because XXXX claims " We have tried to reach you the phone number ending in XXXX but we have not been able to reach you. We need to speak with you to obtain the information we require to resolve this matter and release the funds '' before and I WAS NOT NEAR MY PHONE which is unfair... they claimed to call my phone and it went strait to voicemail which obviously mean I was not near my phone or it was dead... XXXX  is taking me in a loop around to verify myself even tho I have FULL EVIDENCE from my bank XXXX XXXX ) verifying the check that they shared with I ( XXXX XXXX ) and I only. LexisNexis and other consumer reports have my number verified on they system but XXXX... It is not my problem that XXXX system is not updated It is funny that I received letter on the XXXX saying XXXX claim to call my number .. Now XXXX  XXXX department claims unable to call my number for verification reasons
Consumer complaint received 2017-02-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery is attempting to collect a loan I had with XXXX. They are now reporting that collection as a loan through Portfolio Recovery. I now have a new missed loan payment reported because I have n't paid anything to Portfolio. I do not have a loan with Portfolio. I had a loan with XXXX which Portfolio is attempting to recover. Portfolio Recovery is a collections not a loan
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In XX/XX/2023 I sent a dispute CERTIFIED MAIL. It shows you have received it yet you have not provided me any results nor removed the items requested. Im preparing my legal case and these accounts MUST BE REMOVED due to violating my FCRA and consumer laws of no response and stalling on removals. XXXXXXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. 

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request. 

Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. 

I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. 

I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate.
Consumer complaint received 2020-10-19
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)

I have not got a response from them and its been over 7 weeks. It is my understanding that they are to block fraudulent items in 4 days. they now have multiple violations. See attachments
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Continental Finance Company, LLC (FL)

I requested a replacement card with Continental Finance ( Matrix Card ) in XXXX 2016, and updated my address. I never received the card in question and due to being unable to login to my account ( it is linked to the card directly, and locks if you 've requested a new card ). I called to make payments and request the card AGAIN, and was sometimes met with a " it is late ''. So I would make my account " current '' and request the card again, leading me to believe that I was paying and would not owe until the next month. Fast forward through months of this rinse repeat cycle to today, ( sometimes they waive the late fee, other times not ), and I find out that making my account current does not include the current amount due. While it is beyond me as to why " making my account current '' would n't include the current months payment. After being transferred, the supervisor proceeds to advise me that to send my card, I must make a payment that includes the next payment ( meaning the next due ) and that is how I would receive my card. So I pay ahead, in fact I just paid above and beyond the amount due in order to secure my card. The turmoil and headache of their login system coupled with the inability of the employees to resolve an issue to fruition causes their clients undue stress and financial burden. The FACT that it took over 3 months to attempt to resolve an issue that their client had already given all the necessary information and tools to resolve is insanity. This particular instance is not a closed case as of yet, due to the card not being received. If it is not received, after making the account paid to a true current balance, the cycle will continue, Continental Finance will continue to charge fees they should n't. I would consider this fraudulent activity on behalf of the creditor as several actions were taken and the consumer did everything in their power to resolve the issue, while the creditor continuously misled the consumer in order to accrue fees.
Consumer complaint received 2015-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (FL)

NCS has failed to provide me with a dunning notice prior to inserting inaccurate negative information on all XXXX credit bureaus without notice and the only I found out was by VIA credit monitoring service. So when I finally realized I filed a dispute and also contacted NCS and original creditor XXXX to no avail, even though they were in violation FCRA and the Fair Debt Collection Practices they refused to acknowledge any wrongdoings.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have had many problems with XXXX and TransUnion in getting my credit report to reflect the accurately reported accounts. The accounts listed below have been problematic since I began disputing back in XX/XX/2020 TRANSUNION - XXXX XXXX XXXX - XXXX - PAID TRANSUNION - XXXXXXXX XXXX  XXXX - COLLECTION/CHARGEOFF - DISMISSED TRANSUNION - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX XXXX XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX XXXX XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX XXXX XXXX - COLLECTION/CHARGEOFF - PAID XXXX - XXXX XXXX XXXX - COLLECTION/CHARGEOFF - DISMISSED XXXX - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX XXXX XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX XXXX XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED!
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (MA)

synchrony bank /old Navy has been reporting a fraudulent account on all three of my credit reports for years now. # XXXX this account was not opened by myself nor used by me. I was not at the address they supplied me, at the time they claim an account was opened and used. I 've asked repeatedly for a signed application or signed receipts showing my signature. they have refused to supply this information. this fraudulent account is preventing me from obtaining new credit and is damaging my good name. it seems very stressful and upsetting. I have an old Navy account that I did open myself this year that is in very good standing.
Consumer complaint received 2016-01-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

I was unfairly treated for a possible Loan Modification or a Refi. by my Bank JP Morgan Chase. We have been unsuccessfully since 2011 trying to get this done with them to no prevail. I have documentation that shows a pattern of unprofessionalism with regards to obtaining either. Also I have experience a unwillingness to help in this matter from the bank. Only to have them try to Foreclose on my home twice now in the last 6 month 's. 
This experience has been very stressful and nerve wrecking. 
I have experienced all types of unprofessional persons form within the Chase Mortgage Realm that could be listed as border line Monsters. evil persons with no Business Ethics at all My documentation will show a pattern of this behavior with brings us too why we are here today.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. I closed and paid this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (WA)

I submitted information to Chase Visa Card member Services on a {$250.00} dispute with XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX on their XXXX # XXXX with XXXX XXXX, Customer Service Specialist XXXX Ext XXXX Mon-Fri XXXX to XXXX XXXX. She recently charged back the dispute amount of {$250.00} to my credit card. I have now consulted with an attorney and it has been indicated that Chase may not have properly reviewed the information that I sent. I sent documentation to Chase Visa showing that some information sent from the hotel is fraudulent and misleading. XXXX and another representative of Chase Visa indicated to me that there was no attorney available to review the documents. They have not protected my interested from unfair and deceptive practices from the XXXX XXXX Hotel, XXXX XXXX, XXXX, NC where I stayed.
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XXXX XXXX BankAmerica ( BA ) failed to autodebit my credit union bank account for the balance due on my XXXX account ending in XXXX, although my auto debit was still in active status. As a result BA charged me fees and interest and claimed I was in arrears. On XXXX XXXX I began 10 days of calling, emailing, chatting, and writing BA. The problem was not fixed despite numerous acknowledgements that this was a BA error and that the fees/interest would be refunded. Finally I was able to make the payment by phone on XXXX XXXX. But by XXXX XXXX, although BA debited my credit union account for the amount due, the online report of my XXXX account did not acknowledge the payment or show a refund. I have lost XXXX work hours and undergone enormous stress as a result of this consumer service breakdown. I am enclosing the XXXX letters written. The last letter, to CEO XXXX, states what I need to have this problem resolved.
Consumer complaint received 2024-01-27
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. (OH)

I have tried pulling my credit and have gone to different companies, they all say that the credit bureau keeps messing with my credit report and reporting different information causing an error in the system these accounts do not belong to me and are reporting on my credit report, these accounts are causing an identity issue resulting in " UNABLE TO VERIFY IDENTITY '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY NONE OF THESE ACCOUNTS BELONG TO ME AND ARE CAUSING AN IDENTITY ISSUE
Consumer complaint received 2016-09-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alliance Group & Associates LLC (FL)

I was contacted XXXX/XXXX/2016 from Alliance Group & Associates from XXXX XXXX XXXX XXXX in regards to medical bills that had gone to collections from services in XXXX. The first associate I spoke with told me that if I did not pay, then my wages would be garnished. The second associate I spoke with told me that a letter of verification of debt would be sent to the address on file, per my verbal request. On XXXX/XXXX/2016, I called to follow up as I had never received my verification letter. I was told that I had already received the required legal documents previously ( in a 10 year span ) and that a note had already been placed on my account stating I refused to pay. The associate then began to make inappropriate comments in regards to my ability to pay as well as my lack of interest in paying. I requested to be transferred to a manager, who refused to provide me with a mailing address and also denied being a debt collection agency, stating that they were retained by their client, XXXX XXXX XXXX, to attempt to make payment arrangements. She also refused to provide me with the contact information for XXXX XXXX XXXX, continuing to evade and redirect my questions. I found the contact number for XXXX XXXX XXXX ( XXXX ) XXXX, where the gentleman did not state his name or company name, but very clearly let me know that he could not provide me with any information, that I would have to contact Alliance Group & Associates. This supposed debt has never been reported to any of the major credit bureaus, and subsequently has never shown up on my credit report.
Consumer complaint received 2022-02-14
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. (AZ)

The list of incorrect information was unknown and erroneous. The information were pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following information 's be corrected and removed accordingly. 
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 2017-03-13
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Rauch-Milliken International, Inc. (FL)

A sales person for yellow pages called XXXX XXXX show up one day to my place to offer me a good deal on marketing for my busines wich is currently colsed, the original agreement was XXXX dollars per month i never sign any document i just accepted verbally, but the first bill that i received from them was for the amount of XXXX dollars plus XXXX, by then i totally disagree with that amount because we agreed XXXX and nothing else i did not have that amount to make that payment, I asked twice to XXXX when he came to my shop is there any hidden or extra charge and he told me not at all and that was the reason why I accept by then he never mentioned anything about that ridiculous amount always told me XXXX will be your first bill even when i received my first bill i contacted him and he contacted yp for an explanation, when i receive the call from collection from XXXX and from XXXX i told them i do n't want to do any advertising with your guys because this is not what we agreed so close my account and im more than welcome to pay for the 2 months that your guys had my listing online 2 months later they close my listing and that it, never heard from them anymore, ( I DID NOT SUBMIT ANY PAYMENT ) Now 2 YEARS LATER this company called ( Rauch Milliken International, inc ) XXXX XXXX XXXX, LA XXXX PHONE ( XXXX ) Just send me a letter claiming that i owe XXXX dollars wich is not true is totally incorrect and also they just threat me to seize my bank account, inventory, account receivable etc, without this case being taken to a small claim court or anything like that, also they just called me on Thursday XX/XX/2017 and same thing the girl on the phone threat me to take legal action against me or my company wich do n't exist anymore. Please advice.
Consumer complaint received 2020-10-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2016-06-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Argon Credit (CA)

I paid off my loan in full and they are reporting I still ow the full amount to XXXX. I filed a complaint with XXXX but the company is not responding and delaying the resolution meanwhile lowering my credit score, which they in turn used to deny me a new loan.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (MS)

I am contacting you regarding subject account erroneous credit reporting. I am demanding an immediate removal of this reporting from my credit reports as it is hindering my purchase of a home XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Mail code XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ) XXXX The home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was included in Bankruptcy XXXXXXXX XXXX XXXX of Mississippi filed XX/XX/XXXX and discharged XX/XX/XXXX. The Order of Discharge and list of creditors which includes XXXX Mortgage is attached to this email. 


XXXX purchased this property from XXXX Mortgage after the discharge of the Bankruptcy and proceeded to threaten me with foreclosure. I never acknowledged the validity of this account. It is unlawful to foreclose on property that has been included in a bankruptcy. .Apparently, this is a typical business practice of XXXX since there are so many lawsuits against them. XXXX sold the house and made a profit of over {$100000.00}. 


Again, I demanding immediate removal of the reporting of this account and any late payments and foreclosure from my credit reports. I