davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
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: LEXISNEXIS (GA)

For bankruptcy public records collected through XX/XX/XXXX, XXXX obtained information about bankruptcies from a third-party vendor, LexisNexis. Due to an error on my credit report, the bankruptcy was found to not belong to me and someone of a similar name. On XX/XX/XXXX, I filed a dispute to omit the erroneous bankruptcy of my credit report. The bankruptcy came back on XX/XX/XXXX as " Verified '' although there is no Bankruptcy on my Lexis Nexis Consumer Report and a court-sealed certified document showing a name that is not mine and dates that contradict when the bankruptcy was served and filed ( Certificate of Service ).

After providing sufficient evidence that the Bankruptcy is not mine through Court Sealed documents and my Lexis Nexis Consumer report on XX/XX/XXXX via USPS postal mail via tracking number XXXX showing no Bankruptcy on my Lexis Nexis Consumer Report and a court-sealed certified document showing a name that is not mine and dates that contradict when the bankruptcy was served and filed ( Certificate of Service ). XXXX verified the Bankruptcy as Verified from Lexis Nexis on XX/XX/XXXX despite no Bankruptcy ever being on my Lexis Nexis Consumer Report. 

As well, they did not state who they verified who they sourced this public information from.
Consumer complaint received 2018-01-26
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: General Motors Financial Company, Inc. (OH)

hello, Im having issues with my GM FINANCIAL account, its the only thing with holding me from a mortgage loan, I was having issues with my bank account in XX/XX/XXXX and XX/XX/XXXX, my debit card had been on a breach I had no access to my account I couldnt even use the ATM, that is why there was a 30 day late payment as far as XX/XX/XXXX I was over paying prior and when i saw my statement it said XXXX is due at the time but you still have to make a monthly payment so I was confused. I have typed a letter to the company explaining my situations Im just hoping to get this cleared up
Consumer complaint received 2022-01-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.
Consumer complaint received 2021-06-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MO)

Essentially said organization claimed that they had a court case that I have yet to find anywhere on XXXX. Contacted relatives that they were not supposed to.
Consumer complaint received 2018-01-26
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (NY)

The account listed below is fraudulent and was created without my consent I would like it removed from my credit report at once. I am a victim of identity theft and have several police reports to verify this. I have tried contacting this company many times in this matter. This account does n't belong to me please remove it at once because it 's not mine and was fraudulently opened. 
XX/XX/2018 Collection Agency ABILITY RECOVERY SERVICES , LLC Balance {$1400.00} XXXX XXXX
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

Experian is refusing to unfreeze my credit report. I tried online, it didn't work. I have called 6 times, been hung up on 6 times. Then I finally called the corporate line, got transferred to a person, she said her computer froze and then " transferred '' me but actually hung up on me. I called back again and was told that I failed the questions ( the ones that I didn't answer because her computer froze ). Then was told that there was no way to unfreeze my credit report. This is absolutely unacceptable.
Consumer complaint received 2022-09-09
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. (FL)

To Whom this may concern I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft
Consumer complaint received 2022-08-11
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: SYNCHRONY FINANCIAL (TX)

In accordance with the fair credit Reporting act XXXX Account SYNCB/CAR CARE DISC TIRE, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : 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 2018-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I received a letter in the mail stating that my checking account, my savings account and all my credit cards have been closed. I have no idea why. all my accounts are in good standing, ive never missed a payment, and i havent done any illegal activity whatsoever. I was stunned for this to happen to me. This is just a case of pure bullying by someone who has more power than me. now, i am without a bank account of any kind, and i am missing all the lines of credit that were available to me. How am i going to keep up with my daily expenses? I have no idea ...
Consumer complaint received 2020-10-08
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. (NY)

The accounts listed above do not reflect any correct transactions done by me.

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2022-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (GA)

NATIONWIDE RECOVERY SERVICE HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$190.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE
Consumer complaint received 2018-01-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

once again citizens bank has charged my account an an overdraft fee that should not apply. I find my experience with Citizens bank exhausting. Upon looking at my account this morning I discovered I had been charge 2 over draft fees equaling XXXX dollars on 2 transactions one dated XX/XX/18 a transaction went thru for XXXX wich left my account with XXXX cents my second transaction which posted latter that night from XXXX for XXXX. XXXX left me negative XXXX cents but citizens charge me for 2 over draft fees Maybe some one should start looking into this bank. Something seem very shady about all of this. It has been becoming a job to make sure my own bank is not over charging me for fees someone please help
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: J J Marshall & Associates, Inc (MI)

XXXX XXXX XXXX XXXX XXXX J J Marshall & Associates has violated my Federally Protected rights under the Fair Debt Collection Practice Act by pursuing litigation against me in state court the case is # XXXX without me contracting to be sued upon violating 15 U.S.C.1692i ( 1 ) ( 2 ) ( a ). XXXX never properly served me, I never received an summons to have any idea about an court date. I never received correspondence about the debt to have the opportunity to dispute the alleged debt as that is my right under the FDCPA. XXXX then put a judgement against me without any knowledge of the court hearing also violating the FDCPA. I recently reached out to XXXX to get information on my account and was told by a representative they sent me XXXX correspondence in XX/XX/XXXX and XX/XX/XXXX before sending my information to XXXX XXXX XXXX, but the address they listed was not my address and the representative could not tell me when it was received because, she said it was not sent with an tracking number. I was also told XXXX charged me a collection fee which is also a violation of my rights. I told the representative to notate the account to Cease Communication from me from all mediums and to date, XXXX is still collecting on an alleged debt. Remove the judgement and return the money that was took from my wages or I will pursue litigation for the damages that I suffered from your reckless and deceptive practice.
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (CA)

I have a loan with SYNOUVUS/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SYNOUVUS/XXXX with no successful resolution. XXXX, XXXX  and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2019-05-14
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. (CO)

Equifax and XXXX  are reporting incorrectly that I am30 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 5 and 6 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (TN)

I have been getting calls from this company - diversified adjustment services inc for quite a while. Potentially over a year, but I can not confirm if they were the original company. So I will stick with the current actions. I began receiving calls from local XXXX number 's that would hang up when I answered them. Sometimes the caller would call back and sometimes they would n't. Eventually, I learned that this company, Diversified adjustment was trying to contact me on a debt they said I owed to XXXX. Over the course of several weeks and 4-6 calls per day, I attempted on at least 3 occasions to request a letter showing who they were and what they said I owed because I was n't going to just pay some outrageous amount to some random phone caller. This request was denied repeatedly until last week when one agent finally agreed to send me a letter. I received the letter today and it implies that I have agreed to some payment arrangement and they expect my payment of XXXX $ on XX/XX/18. At no point did I agree to anything, Since they record calls I know they have this recorded, I also have the call recorded as well so they ca n't weasel out. As this is the first time I have seen a written request of this debt, I believe they are trying to remove my ability to contest the debt. At this point, no other action has been taken by the company other than the continued calls from a multitude of # 's. They did inform me on one call that they have over 150 lines that they call from. I was informed by the XXXX agents that I had already received a letter and would not get another one. I find this tactic to be extremely shady and I will be contacting them requesting formal evidence of the debt so that I may review and confirm if it is actual debt, but I am taking this proactive approach because that is what you have to do with shady companies like this.
Consumer complaint received 2021-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2021, The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( Synchrony Bank home designed credit card ) placed on my consumer report by XXXX, XXXX, and XXXX. Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove Synchrony Bank home-designed credit card accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K.
Consumer complaint received 2018-01-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc. (OH)

I paid off the debt. wont send me a paid off in full letter said this will stay on my credit report for 7 years and there is nothing I can do. I did n't realize i had the debt I looked at my credit report and seen it. I called the number to see what it was about. I paid it off why dont I get a paid in full letter and why is this now going to affect my credit for 7 years?
Consumer complaint received 2018-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried to call this company to tell this them I never authorized any Inquires with this company XXXX. I never heard of them. I tried calling them on 2 occasions. Each time they said they would remove this Inquiry since I had no clue who they are and never authorized anything. 

I do not have an account with this company. I did not apply for anything with this company.
Consumer complaint received 2018-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SUNTRUST BANKS, INC. (MD)

I purchased a XXXX XXXX XXXX XXXX in XXXX XXXX with XXXX down payment and XXXX loan with Suntrust Bank.The rate according to my loan was 3.4 % for 60 months and based on my payment details, I have already paid more than XXXX to this date and according to the bank I still owe XXXX more for the loan to be paid off. 


I went to the branch 3 times and one associate provided me with the phone number for the corporate who manage the loan, I called several times unfortunately nobody was able to help me
Consumer complaint received 2024-01-19
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. (MS)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2022-08-10
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, US Dept ED Account # XXXX, XXXX Account # 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 2018-01-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners Holding, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, In XXXX ( XXXX ) XXXX Dear XXXX XXXX XXXX XXXX I amrespondingtoyourcontactaboutadebtyou aretryingtocollect. 
I recently received a mail dated XXXX/XXXX/2017 from XXXX XXXX XXXX XXXX to collect a debt in the amount of {$180.00} that just appeared on my credit report on XXXX/XXXX/17 which has grossly lowered my credit score. the information provided in the letter is grossly inaccurate. I do not know the nature of this collection nor am I aware of any unpaid bills from XXXX XXXX XXXX XXXX. I have medical insurance and always pay any copays.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Expedite Financial, Inc (NJ)

I brought my car to a dealership to get fix and used my XXXX XXXX card..The dealership did not fix my car and the problem that I paid for is still not fix to this day..I disputed the charge with all the evidence of this evidence of the problem they were suppose to fix that they didn't ( they were suppose to fix a leak from a convertible car I have and the water was still coming in at the Same place they were suppose to fix ) I even had a license mechanic write a letter stating he seen the water too..I went back and forth with the dispute with XXXX XXXX stating I was not going to pay for something that they didn't fix. ( they wanted me to spend XXXX dollars to go get a water test for more proof ) I said the dealer ship that did the work on the car already did that and stating that is how they find were the water is coming in and fix it so why would i have to put more money out.I sent them again letters from my mechanic etc..The last time I talk to XXXX XXXX I told them I had papers for court and ( I still have the court papers ) and I would take them to court and that was the last time I heard from them and my credit card was showing that I owed XXXX balance..So life went on and I got no bill from XXXX  XXXX..then all of a sudden almost a year goes by and they put that I owe them fee 's that I didn't pay from that car issue and late charges..which i never got a bill..I got a paper in XX/XX/XXXX showing again I owe nothing..Now XXXX  XXXX ruined my credit and I want this off my credit report..Still to this day being XX/XX/XXXX I still didn't get a bill from them..