davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-09
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: AMERICAN EXPRESS COMPANY (CA)

Inquiry was placed on my XXXX Report by American Express on XX/XX/19 that I do not recognize. I did not authorize this nor did I sign for this. Please remove. 

Inquiry was placed on my XXXX Report by XXXX XXXX of Delaware on XX/XX/19 that I do not recognize. I did not authorize this nor did I sign for this. Please remove.
Consumer complaint received 2019-08-09
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: BARCLAYS BANK DELAWARE (CA)

Inquiry was placed on my XXXX Report by XXXX XXXX on XX/XX/19 that I do not recognize. I did not authorize this nor did I sign for this. Please remove. 

Inquiry was placed on my XXXX Report by Barclay Bank of Delaware on XX/XX/19 that I do not recognize. I did not authorize this nor did I sign for this. Please remove.
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (IL)

I am formally requesting that you include the following Fraudulent Items to be removed from the Credit report. 
XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX/ XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX. XXXX Balance : {$9900.00} XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance : {$820.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} - XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$33000.00}
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (MD)

Bellow companies Marketing details & enquiries not recognize on my file 1. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. 
XXXX CO XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX 4. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 5. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 7. 
XXXX via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 8. 
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 9. 
XXXX XX/XX/XXXX Location XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 10. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX 11. 
XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 12. 
XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 13. 
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2022-04-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (MI)

I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to respond or verify that this is indeed my debt.
Consumer complaint received 2019-08-09
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND NOW I AM LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-08-09
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND NOW I AM LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I would like to remind you of the Dixon-Rollins v. Experian Information Solutions , Inc ( XXXX ] and

Miller v . Equifax Information Servic
es LLC ( XXXX ]. These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collectors word. have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Superior Adjustment, Inc. (MI)

I have made payments, yet you report that I am " past due, '' you report " terms, '' when no terms were set, you decrease, then increase, the amount reported to the credit bureaus. You have even gone so far as to place paid in full accounts back on my credit report. I'm XXXX XXXX. Is this how you get your kicks? I honestly do not understand how you're permitted to report anything. 
Your actions have cost you as of late. I don't feel sorry for you. Report accurate info. It can't take any more effort than you are already expending when you report false info. 
Btw, I have zero debt with you. You are merely agents for the companies that I owe. I don't pay you anything. I pay them. They do not consider me late and certainly can do math to determine what I owe.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TekCollect Inc. (PA)

I am receiving repeated calls on a daily basis. When I do answer the call the person on the other end very quickly gets rather nasty and accusatory. I even offered to pay a regular amount with auto deduction but he wasn't interested in setting this up as he proceeded to belittle me for offering this monthly amount that he considered unsatisfactory. During our last conversation, I asked him to remove all of my phone numbers from his list and to cease all calls to me. I requested that he correspond via the mail. He went on to accuse me of ignoring his mail. Quite frankly, I do not even have any record of him ever sending any mail to me. He is mean, rude and uses abusive LOUD language. When I present some information that he doesn't want to hear he simply ignores the comment and talks over me with some derogatory comment or question. I spoke to him again yesterday and asked again that he remove BOTH of my phone numbers. He will not verbally acknowledge this in the conversation.
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (MI)

I received a debt collection letter from American Coradius International, LLC for a debt that does not exist. The letter stated that they were collecting a debt on behalf of XXXX. 

I know that I have no account in arrears with XXXX. I contacted XXXX customer service. They verified that not only do I not have debt in which they are attempting to collect, the account number provided by the debt collector does not exist in their system.
Consumer complaint received 2021-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

The company did not give me time to responds to their response on complaint number XXXX before they closed the complaint because they know that they are lying. The company state account XXXX was identified, and the account was validated and sent documents from investigation for provider on XXXX and consumer sent correspondence that was received on XXXX account will not be removed from reporting. I would like to know who was identified and who receive the corresponding letter, I am asking this company to provide signature proof that this account belongs to me, and now they lying saying it was identified on XX/XX/2020, and which I never receive any response from this company, the hospital they put, I called they said they don't know anything about that. I need signature proof. Don't come lie and act like you guys contacted me and it was identify as me please send me the signature of the person who identified this, or my next step is suing this company since they can not provide any proof. I never went to that hospital and for as long as I can remember I always have insurance. And That make me mad cause they are lying. And as a XXXX I would not have disputed an items many times if it was mine, I seriously don't like liars. Cause I for XXXX not XXXX. I spent many years not checking my credit and not knowing what has been going on. Now I'm checking everyday. Amerifinancial just want to ruin me, and I like to know why please, cause no one in the right mind will dispute a debts as many time I did if it belongs to them. This debt not mine.
Consumer complaint received 2019-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Online website XXXX does not provide any statements or documents. The link for statements and documents does not show any statements. I have car loan and been making payments. I want documentation via emailed, mailed/ or any service but they do not provide. I call XX/XX/XXXX and XX/XX/XXXX and recently called XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. The phone provided is just a robot touch by number service. I tried clicking on the link on their website for customer service and redirects me every time to log in. I have login and tried still does not work. I have not received any documentation since purchasing XX/XX/XXXX.
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX is still listed under my personal information.
Consumer complaint received 2021-09-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Executive Credit Management, Inc (MD)

Good afternoon, I received a debt collection notice from an agency called Executive Credit Management , Inc. in XXXX, NJ. I was originally contacted and received a voicemail from a XXXX XXXX on XX/XX/XXXX in reference to a debt owed by a XXXX XXXX. I returned the call and left a voicemail back letting the individual know that the person in question is not me, and that the name XXXX XXXX is a married name from 16 years ago. I instructed them to stop contacting me. I received voicemail messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from ( XXXX ) XXXX asking for additional information and that they want to help me. I received a notice of debt owed by mail to my address today, XX/XX/XXXX threatening to further pursue the debt. I have checked my credit report and the debt does not show, however I will be reporting this to the credit agency as well. 

I do not know if this organization is legitimate or not, but I need assistance in stopping the harassment. If this organization is legitimate, they have the wrong contact information and I have no knowledge of the debt or the person they are trying to find. I am concerned about their legitimacy because they keep asking for documents and additional information on the voicemails to prove I am not the person for which they are looking. 

Please let me know what I need to do additionally to protect myself. Thank you for your assistance and attention to this matter.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one, keep updating missed payments.. thats not accurate.. Ive been making on time payments ... and its continue to hurt my credit score.. please help me.. o dont know where else to turn
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: KEYCORP (ME)

According to this company, after performing a consumer credit inquiry upon my social security number, they determined that I was not qualified to grant them the right to extend me credit. However, according to Federal law, specifically 15 USC 1605 ( a ) ( 3 ), Key Bank is not allowed to take cash as a down payment in a consumer credit transaction, also pursuant to 15 USC 1602 only a natural person can originate a consumer credit transaction, and for them to falsely represent themselves as a creditor is patent fraud. According to 15 USC 1681 ( d ) ( 2 ), and 15 USC 6802 ( a ) ( b ) ( 1 ), any transaction or experiences with me by any person making such a report, and myself as a consumer are not to be disclosed, unless I am given the opportunity before such information is disclosed to opt out, and given the knowledge of how to opt out of such disclosures. I was not given this opportunity. By telling me that I could only qualify to be extended credit after paying {$5000.00} upfront, that is a violation of my RIGHTS under the Truth In Lending Act 15 USC 1605. Pursuant 15 USC 1635 ( a ), it is the obligation of Key Bank to notify me of my Right of Rescission under The Truth In Lending Act. I was not notified of my Right of Rescission.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is restarting the reporting clock on an account in my name unlawfully. XXXX XXXX canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against XXXX XXXX and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that XXXX XXXX has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

someone called Capitol One and changed my address and ordered new cards 4 times this month and every time Capitol One has sent the cards. I have had to spend over 10 hours on the phone correcting this each time. There is supposed to be alerts on my card that nobody is to make any changes to my account without Capitol One sending a 6 digit text to my phone for confirmation. they have never sent this and as recent as this week have sent cards again and changed my address.

My cards have already been used for fraudulent cash advances and they even had the nerve to charge me 16 twice to have the cards sent fast card.
Consumer complaint received 2018-07-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018 sister transferred {$100.00} to checking account. On XX/XX/2018 {$100.00} transfer deposit was pending and {$110.00} funds were now available. I went to branch on XX/XX/2018 where teller checked account balance showed {$110.00} funds were now available. I withdrew {$100.00} from checking account. Wells Fargo Bank delayed deposit of {$100.00} until XX/XX/2018. Wells Fargo Bank charged account {$35.00} service charge on XX/XX/2018. I requested {$35.00} service charge be reversed. Wells Fargo Bank refused to reverse {$35.00} service charge
Consumer complaint received 2019-08-09
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: SYNCHRONY FINANCIAL (CA)

I purchased a size 11 XXXX XXXX shoes online on XX/XX/19 ; They arrived on XX/XX/19 the shoes were too small. I returned them on XX/XX/19. The shoes were sent back to me. I called to find out why they said because I wore the shoes. I was upset because they sent the wrong size and accused me of wearing a shoe that I could not fit. They sent a size 10 when I wear and ordered an 11. I tried to resolve it with my credit card company Banana Republic they credited my account for the charges while in dispute. They sent me a survey asking me to rate my satisfaction with my dispute. I called, to ask about the survey, and was told the decision was in my favor by the gentleman on the phone. I asked what do I do with the shoes because I can not fit them, he replied contact the store directly. On XX/XX/19 the charges were reposted to my account. I called the Banana Republic again to see what was going on. I was told they had no record of my dispute. I asked to speak to a supervisor or manager. The manager informed me there was no record of my dispute, and the charges were added back to my account because the ruling was not in my favor. I was livid. She said she would reopen the case and make a note of our conversation.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

Ive reviewed my credit report and have noticed that my credit report is not reporting 100 % accurately. Under 15 USC 1681e ( b ), accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the info concerning the individual about whom the report relates. There are a few items that are reporting inaccurately on my credit report and need to be deleted since they are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. According to 15 USC 1681i ( A ) ( 5 ), XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is an Inquiry shown on my report from XXXX. I didn't give this entity permission to pull my credit. I didn't engage them in any way. I will like this removed from my credit history.
Consumer complaint received 2017-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NY)

I called Penn Credit Corp on XXXX/XXXX/XXXX regarding an account noted on my XXXX Credit report for {$900.00}. The orginial Creditor Name is XXXX XXXX and it was opended on XXXX XXXX, XXXX. I spoke to the representative and she was not able to find any account with my ssn. The only account that was on file was a XXXX XXXX account for XXXX which was removed from their system on XXXX XXXX, XXXX. There was no further information she can find in their system