davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AmeriCollect (TX)

I was a victim of identity theft and noticed a collection from AMERICOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMERICOLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2017-04-28
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. (NV)

The  XXXX  credit companies that are  XXXX , Equifax and  XXXX   XXXX  are showing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but the  XXXX  credit companies have been of no help and  XXXX   XXXX  will not provide a letter that there was never a late on the account, just this payment history that I am attaching below.
Consumer complaint received 2015-04-07
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

I had filed a fraud alert with the bank over 3 weeks ago have called everyday to speak to XXXX in fraud and secerity but have only reached voice mail left 15 messages no return call had bank email him they said they did n't know where he was???
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 

15 USC 1681 Section states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states consumer reporting can not furnish an account without my written instructions.

15 USC 1666B a credit may not treat a payment on a credit card account under an open-end consumer plan as late for any person.
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently applied for a home lease and the realtor pulled my credit report. The realtor claimed I had XXXX judgements of which I had never seen before on my credit report. This her basic quote, " She has XXXX judgements on her record XXXX for {$910.00} in XXXX 2013 and XXXX for {$890.00} XXXX 2013 .... '' This causes concern for a few reasons that are important to my credit history accuracy, and further implications are of serious concern.
Consumer complaint received 2015-07-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (GA)

Good afternoon. I have reviewed a copy of my XXXX credit report dated XXXX/XXXX/15. Ally financial is still listed in the " Negative '' accounts section due to stating the following " Discharged through Bankruptcy ''. This is absolutely incorrect. Also, an Ally credit reporting representative called to tell me that the vehicles were included in the bankruptcy and were turned in. The vehicle loans were NOT part of the bankruptcy. If this were the case, I would not have been able to trade in the vehicles and the loans would not have been paid in full .... Page 32 of the attached document shows that Ally / GMAC was reaffirmed and exempt from bankruptcy. 
It is unethical for this company to continue reporting incorrectly. 
I am having a similar issue with XXXX XXXX and XXXX XXXX. However, they are only reporting that I filed " Petition for Chapter XXXX Bankruptcy ''. This is true, but NO student loans were included in the bankruptcy. Therefore, should not be reported under " Negative Accounts '' Thank you for your immediate assistance, XXXX XXXX
Consumer complaint received 2020-10-18
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. (NJ)

I have unathorized accounts on my credit report. According to the fcra any unathorized items on my report must be removed if not 100 % accurate and verifiable. Please remove from my credit report
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am doing XXXX complaints to each bureau because I have disputed many times the account XXXX XXXX. This account from years ago is not mine and all I ask is for it to be deleted off of my credit report. A similar credit card by the same company was issued in my name as well but I did get that one disputed back in 2008. So please delete this one as well as it is not mine.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

I am not liable for the debt with XXXX XXXX. I do not have a contract with XXXX XXXX. They did not provide me with the original contract as I requested. In accordance with the Fair Credir Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 SECTION 6 0 2, states I have the right to privacy ( 15 U.S.C. 1681 section 604 section 2 ) it also states a consumer agency reporting agency can not furnish an account without my written consent and/or instruction. This was also reported to the XXXX.
Consumer complaint received 2022-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JNR Adjustment Company, Inc (MD)

I booked a car rental via XXXX XX/XX/XXXX. I paid a deposit of {$110.00} and the balance was {$52.00}. XXXX merged me with XXXX. The day I picked up the car, I paid my {$52.00} balance and they said {$50.00} hold for tolls. I paid the balance on my XXXX account. After dropping the car off, XXXX charged my card {$180.00}. Then they charged my card as XXXX in the amount of {$110.00} XX/XX/XXXX and as XXXX XX/XX/XXXX in the amount of {$110.00}. I began receiving collection charges in XXXX and called the number, I was advised to ignore the letter as my account was paid. I received in XXXX XXXX and called again. I was advised must be a system glitch. 
In XXXX, I received a collection notice from JNR collections in the amount of {$180.00}. I already paid all monies that were due to XXXX, to XXXX. I wrote a letter to JNR advising that I am disputing the debt as I don not owe XXXX anything else.
Consumer complaint received 2016-11-17
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ALLY FINANCIAL INC. (NC)

A collector called extended family some that we have n't been in contact with in over 20 yrs. calling up to XXXX a day. The collector then said they needed to pay what we owe. This was after threating my husband with an artical XXXX. We also received a notice of collection due by XXXX yet we did n't arrive until the XXXX. The also set up a payment from our account even after we said they could n't pay then and did not authorize the attempted withdraw
Consumer complaint received 2016-05-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Today I had an appointment at the Santander bank on XXXX XXXX NJ to transfer over my XXXX XXXX account. We had an appointment for XXXX so XXXX XXXX told us the guy that handles this told her that he was still in the XXXX office and will be late. We waited over an hour for him to come. When he came he decided to help another customer instead that had an appointment at XXXX. I knew he had an appointment for XXXX because I heard XXXX talking about it. When he finally came to talk to us, he said that XXXX told me why we were here and all he his to do is open a new account. I then told him that I noticed what he did and he took that other appointment before us and he said " And your point is '' I asked him if this is how he does business and he ignored me and said " so do you want to open this account ''. He was very unprofessional and did n't bother to discuss the details of our transcation. I then processed to tell him, that you just came in here and did n't discuss anything with us and now your telling me all I have to do is open a new account. I believe this was horrible customer service and for this reason, I walked out of the bank without anything resolved. I am now considering going to another bank because this was horrible.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have been dealing with this issue for years, I think I am a victim of ID Theft. I have limited credit and someone is continuing to send my information into Bankruptcy court. Again I have no reason to file BK because I do not have any debt on my credit report. I have contacted XXXX XXXX and they informed me that no record of XXXX XXXX XXXX on my report. I was informed to inquiry with Experian and XXXX. Also I checked with XXXX XXXX and they informed that public record information comes from XXXX. I then contacted XXXX and was told that XXXX XXXX does the reporting of public records ie BK 's not XXXX At this point no one is able to verify these are accurate and is unwilling to provide me with help. These are the Bankruptcy Cases I want to be removed, it is not a reflection of my character. I want XXXX, XXXX XXXX and Experian to remove these cases from my credit profile. 

XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXXXXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX -XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax has the wrong number for my SSN. Starting in 2020 customer service said to send copies proving my identity and correct ssn through the mail to their office in Georgia. I mailed this information 3 separate times over 2 years and equifax claims to never have recieved it. I was then instructed to file an online dispute and I filed 2. Equifax labeled these disputes as resolved however my ssn is still incorrect on equifax which has caused countless financial problems throughout my life. Equifax has made no effort to return any forms of communication even though I was told there would be a follow up to my issues. I have been trying to resolve this for over 3years and equifax should be held accountable for complicating people 's lives and making no effort to own or fix their mistakes.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OR)

I found XXXX issues on my credit report from Experian today, XX/XX/2016. I tried several times to submit disputes using their website but it timed out or just crashed each time I got the information logged. Finally the site stopped letting me attempt to log the disputes entirely. I called the number they directed me to XXXX.EXPERIAN and got some company who wanted to sell me credit monitoring services. I just want to get the items on my report fixed, thanks for your help.
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

After reviewing my credit report, I have identified several accounts that I have no knowledge of, and they appear to be the result of fraudulent activity. I have previously disputed these accounts, yet they persist on my credit report without valid proof or verification. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
I want to emphasize that I have no knowledge of these accounts, and they are likely the result of identity theft or fraudulent activity. I previously disputed these accounts, but they remain on my credit report without proper validation. 
I kindly request that you conduct a thorough and immediate investigation into the validity of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2020-07-10
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: Experian Information Solutions Inc. (WI)

XXXX XXXX I filed a dispute with Experian in regards to a debt with The loan servicer, XXXX. In my dispute I argued I've never taken a loan out with XXXX, I don't know them and never signed a contract with them for a student loan. 

To this day, the debt still remains on my credit report as deferred because XXXX supposedly reported certified information to Experian as accurate. Therefore the information was not changed. I'm not sure what certified information they could have used to show the information reported as accurate however I have yet to see any such information. It is clearly false information since I have never heard of, seen or signed any legal documents with XXXX. 

The loan amount balances : 1. {$54000.00} 2. {$4000.00} 3. {$2200.00} 4. {$4400.00} 5. . XXXX XXXX. {$670.00} I have no idea why these loans exist on my credit report, however I would like to resolve this issue as quickly as possible. This is a case of stolen identity.
Consumer complaint received 2015-08-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WA)

Our experience with XXXX XXXX XXXX XXXX is an ongoing practical and nightmare, now in its 3rd month, delivery still not completed, goods lost, others horribly damaged, even as XXXX keeps running up more charges against our credit card accounts without our authorization. Now XXXX is sending us forged and altered documents in order to try to bill us even more. 

We never authorized XXXX to make these charges. We had a COD deal but they charged our cards even before anything was delivered without knowledge or permission. They also delivered only a partial shipment and collected fees before a bill was ever presented. 

There are many other problems with these transactions. They are secondary. The deal for this move was based upon weight. XXXX had the responsible to get the truck officially weighed unloaded and fully loaded. But has yet to give legitimate weigh station forms to substantiate the charges. 

To prove up the weight of the first truck XXXX provided a scanned copy of a weight scale receipt which is unsigned AND which has hand-written alterations of the truck 's ID numbers AND which has a pre-printed legend that it CAN NOT be used for legal trade in California! The weight scale company CATScale told my husband that this is an invalid receipt, period, the end. Then XXXX provided us a scanned copy of another CATScale receipt, supposedly for the fully laden truck the night of XXXX XXXX. This receipt is signed, but it also states it is not for legal trade, AND MOST IMPORTANTLY, the truck 's ID numbers have been altered in handwriting. 

Delivery is still not complete and we have many damaged and missing items - they wo n't return our calls. I am trying to get the credit companies to reverse the charges. Since I did not authorize them, and I have not seen proper billing for me to agree to pay such charges. Also the services they did provide were unsatisfactory in many ways - resulting in damage to goods and properties as well as breaking the contract and delivering part of our load 26 days later then the contract. 

Does n't the consumer have control of where and when their money is spent. 
We need help. I absolutely did not authorize the charges the card was specifically meant to hold the reservation and the COD deal combined with billing is when I was suppose to pay the invoice. The first part of move in was XXXX XXXX you can see they did XXXX charges before we moved in and before we were presented with an invoice. 

If the credit cards were doing their job that would have done more due diligence and find out about authorization for such large charges. 
There are XXXX companies involved in this Bloomingdales XXXX, XXXX XXXX XXXX and XXXX XXXX. 

I want the charges reversed and I want to get legitimate proper bills with no cross-outs and hand writing on forms from XXXX that I can review prior to making any payment decisions. 

Thank you for your help, XXXX
Consumer complaint received 2016-02-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Thaxton Investment Corporation (TN)

Covington credit in XXXX, TN Coming to my residence at least once a week for past due payment for the past couple months. Called my parents house ( not a co signer or A reference ) 3 days in a row, multiple times a day. Proceeded to tell my parents I am 3 months behind on a loan payment. Her name is XXXX the manager of the office.
Consumer complaint received 2020-11-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted XXXX about this bill and I cant get any info without an account number. This bill on my report has no account just an amount. In order for me to assure there has been no HIPPA violation I need verification of an account number.
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

There is a hard inquiry on my report from capital one that was done fraudulently and I want it removed. Also in collections all of them have been cancelled and already taken care of because of NO CONTRACT prior to the start of the new year.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Hello, I am concerned about XXXX accounts which I have been disputing for several months now. They are appearing on my Experian report and have not had any activity since XXXX of 2008 and Experian has continued to keep reporting it after I have asked them to delete them from my file as they are not allowed to report past 7 years of the date of the last activity. The accounts are listed as 1 ) XXXX XXXX Bank # XXXX ... .... and 2 ) XXXX XXXX ... .. Both of these accounts received their last payments in the middle of 2008. That is when I defaulted after I lost my job. I have never made a payment or had any activity since about XXXX of 2008. These accounts are very old and I hope that they will just delete them already. I have fought them over and over again on the accuracy of these dates and the furnishers can not help me, they say, because they can not pull any records. So how did Experian verify these dates? They need to know that it is no right to report items past the statue of limitation, which I was told by XXXX & XXXX that that is 7 years. Please, can you ask Experian to investigate these again or delete them? I need to start my life over again already and this is holding me back and making me very very depressed. 


ALSO. May I add that there is an account on my credit report which is not mine. It is under XXXX XXXX XXXX. I have never held a loan or an account with this company and the terms and payment history make no sense and are not accurate. I had asked my student loan to be transferred to the XXXX XXXX XXXX department not the XXXX XXXX XXXX department. This is a very negative mistake on my credit report. Can you please remove this account as well. This will help make my credit report completely accurate. Thank you so very much. I have disputed that account as well and have not had any verifications or validations. I have also asked about details and have not received any.
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I have received repeated calls from many different phone numbers with the ID of " Portfoliorecov ''. I am not certain but I think these could be calls from a company called Portfolio Recovery which, according to the internet, has been implicated in collection scams. 

First I want to make it clear that my only debt is my mortgage. I always pay this on time, and pay-off the balance for credit cards at the end of the month. I have never received a notice of an unpaid debt from this company ( which I believe is required by law, and absence of such is a warning flag ). 

I have tried to remedy the situation by answering the phone in order to provide corrective information, but there is never anyone on the other line. I have concluded that, rather than legitimately trying to contact me, they are ( 1 ) trying to harass and intimidate me, or ( 2 ) are trying to determine when I am home so that they can rob my home or otherwise target me for other telemarketers. 

I have made numerous complaints to the donotcall.gov website and no apparent action has been taken. So I started blocking calls on my landline. Unfortunately, they always seem to be able to cough-up another number I have not yet blocked. Since XX/XX/XXXX, calls from Portfoliorecov have been received from the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX