davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
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. (IN)

I appreciate the time you have taken to REMOVE some of the fraudulent items in my file resulting from an alleged identity theft. However, there are still ITEMS that remain and need to be removed. This marks my 3rd submission of a complaint, notifying you that I am a victim of identity theft, and I am disputing these remaining items in my file resulting from the crime. The items in dispute are unrelated to any transactions involving the acquisition of goods, services, or money that I have made or authorized. Kindly remove the reporting of these remaining items in my credit file resulting from an alleged identity theft. For your reference, I am attaching my new FTC report with # XXXX : -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXXXXXX 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 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 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 Balance {$21000.00} XXXX XXXX XXXX ( Original creditor XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$620.00}. According to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-08-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Andreu, Palma & Andreu, PL (FL)

In or about XXXX, my husband purchased a used car from a used car dealership. I co-signed with him for the loan. We separated in XXXX. Evidently in XXXX he stopped making payments. He died in XXXX. The finance company sued me but I was never served with process and did not know about the suit until XXXX XXXX when my salary was garnished. According to court records the total garnishment should be about {$4400.00} ( including interest ). The attorneys (? ) for the debt are still taking money from my salary and say that I owe them another {$1300.00}.
Consumer complaint received 2016-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

My student loan got transferred to another student loan company called ECSI. ECSI charges a " convenience fee '' of {$.00} everytime I make a payment using my checking account. That is absolutely outrageous. Why do they make a dollar for me to pay using my checking account?
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have recently received a copy of my credit report. I discovered multiple errors in the personal identifiers section. These inaccuracies pose a significant threat to my identity and could potentially cause severe consequences if left unaddressed. 

Furthermore, I need to highlight the incorrect reporting of my Name and address. 

In addition, I strongly insist on the immediate elimination of any employers and phone numbers incorrectly associated with my credit report. I do not provide consent for any unverified or potentially outdated information about myself to be retained or reported. 

I understand that it is the responsibility of Experian to ensure the accuracy of the information provided to lenders and other stakeholders. The erroneous data currently present in my credit report is not only diminishing my financial opportunities but is also negatively impacting my chances of securing my financial freedom. 

I have attempted to address these concerns through various communication channels, including letters, phone calls, and online submissions, but Experian has failed to respond to any of my inquiries. This unresponsiveness has left me feeling ashamed, embarrassed, and frustrated, as I am unable to rectify these inaccuracies promptly. 

As a responsible consumer, it is my duty to bring this matter to your attention as the competent authority within Experian. I kindly request your immediate intervention to ensure the verification and removal of all the inaccuracies mentioned above within the shortest possible time frame. 

Please understand that time is of the essence in resolving these issues. I urge you to take immediate action to correct my credit report so that I can regain control over my financial standing.
Consumer complaint received 2023-03-30
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. (WA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2016-08-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Capio Partners, LLC (GA)

I have disputed this account many times with XXXX the credit agencies and with Capio Partners. The credit agencies stated that Capio Partners verified that this account belong to me. I yet to see my signature on any documentation. I was a victim of identity theft. My purse was stolen and some credit cards was fraudulently use. I have notified both the credit agencies and Capio Partners and this account is still reporting on my file. They both are in violation of the FCRA in reporting items that do not belong to me. I need your assistance in getting this matter resolved.
Consumer complaint received 2016-10-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JTM Capital Management, LLC (SC)

This company XXXX XXXX XXXX has called me stating they are reviewing a matter and have been retained by JTM Capital Management for XXXX XXXX XXXX from something from XXXX 2014. I have never heard of either company. They refuse to send me anything in writing when I requested it.
Consumer complaint received 2016-04-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RSH & Associates, LLC (MO)

These debts were incurred by my wife alone. They have never been joint accounts, but RSH Associates in XXXX, KS are listing them as a joint accounts on MY credit file. XXXX was for a voluntary XXXX and XXXX was for mental health counseling while we not living together. I want these items removed from my credit file as they are not mine and I have no responsibility for them.
Consumer complaint received 2022-08-09
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 and XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TD BANK US HOLDING COMPANY (GA)

I recently received notification from XXXX regarding NORDSTROM credit card reporting a balance of {$340.00} for the month of XXXX which is incorrect. I currently have a balance of {$220.00} after my recent payment prior to the statement close date. XXXX and XXXX are reporting the correct current balance of {$220.00} accurately. However NORDSTROM failed to report the correct balance to XXXX for this month. In fact they have reported 30 days late which is also incorrect. I made contact with card services and explained the reporting issue. I received a letter dated XXXX/XXXX/17 stating they have reported to all XXXX credit files correctly. This is not accurate, I have attached an insert from my XXXX credit reporting reflecting the non reporting for the current reporting date of XXXX/XXXX/17. NORDSTROM failed to report to XXXX for XXXX/XXXX/17.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I made a dispute with Equifax and it was n't the 1st time. It was the second ; I saw something else that had been sent into collections when I looked at my credit report. I actually check my credit report quite a bit. Any who, this time it was an energy company. I ended up calling this company and obtaining information from them about the fraudulent account. It ended up that the fradulent account i had disputed with them before which was a XXXX account ended up having the same address on the account. I would absolutely like this off my credit report. I 'm trying to raise my score and this is nonsense. Also i believe at the time they 're was suppose to be a temporary 3 month fraud alert in place. I hope that there is something you all can do. Thanks a lot!
Consumer complaint received 2024-01-25
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-05-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Louisiana Recovery Services Inc. (LA)

Louisiana Recovery Services is reporting a collection on my credit report that I have requested on more than one occassion to be validated or more information be sent to me on this account and I 've yet to receive any correspondence. Because I am having tons of issues with billing and my I have lots of medical debts, I have no idea how to compare what they are reporting without any documentation or how to contact my insurance company about a debt they are reporting because I have nothing to go off of and no information to give to the insurance to see if it as properly claimed etc. Because this company refuses to respond they are violating the law and I am requesting the account be truly validated or removed from my credit report immediately. I mailed a certified letter on XXXX/XXXX/2016 and also XX/XX/XXXX and it 's now XX/XX/XXXX and still nothing.
Consumer complaint received 2017-02-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (NC)

I exchanged a phone. I had a certain amount of time to return it. In order to gather personal info from the phone, I requested and was granted an extention. I then returned the phone. They have the phone and noted that it was returned, but still charged me the full amount and claim I did not return the phone on time.
Consumer complaint received 2021-10-03
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: Bread Financial Holdings, Inc. (TX)

- The company refuses to address a XXXX XXXX XXXX complaint and XXXX XXXX XXXX has reversed any charges from my account as well. 

The bank is Comenity Bank and the card is XXXX XXXX. I asked XXXX to close my account and they refuse to do so. XXXX took action by crediting my account and is consumer-friendly but Comenity Bank refused to do so. 


Business Name : Comenity Bank Address : XXXX, OH XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2016-03-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (MO)

Had a leased truck with boyfriend through Ford. We broke up. The boyfriend started paperwork to transfer the lease to his name only so I would be removed since we were no longer together. We were charged a transfer fee. He then passed away just after this was completed. Ford now acts like the transfer never happened and is looking to me to pay this. if the transfer was n't complete, they should refund that fee. I have asked for copies of the documents ( since according to them I am still on the account ) ... all documents including the transfer of lease forms. I received nothing. I was told my account was turned over to someone at ford and they would be calling me..i have received no call. I also receive no help from XXXX XXXX in XXXX IL where this was purchased. The boys club does n't seem to want to respond to me. Paper work for the lease when we began this had to be redone 4 times with XXXX at the onset.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

Ally loan finance I have been trying for 2 years to get mine and my sons credit report corrected. They have report a charge off but the account was paid on full by the insurance company. I have requested several time even from the credit reporting agency to correct this and they haven't. This has destroyed both mine and my sons credit and is coating me hundreds of dollars every month.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX   XXXX  claims they are servicing a loan for   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX .   XXXX   XXXX    XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court i n  XXXX . I filed a lawsuit to enjoin a Wrongful Post-foreclosure eviction. On  XXXX / XXXX / XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the Court they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitted in  Open Court they were only responding to a dispute letter. They had sent me no default letter, notice of Acceleration, or notic e of foreclosure. However, my credit report shows I 'm delinquent.
Consumer complaint received 2022-02-13
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. (PA)

After reviewing my credit report I noticed inquires on my credit report I did not approve or agreed. I then set a letter to the transunion, XXXX, and XXXX  to get these removed per the Fair Credit Act. After waiting more than a month I got a letter saying nothing could be done.
Consumer complaint received 2022-02-13
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. (PA)

After reviewing my credit report I noticed inquires on my credit report I did not approve or agreed. I then set a letter to the XXXX, equifax, XXXX XXXXXXXX  to get these removed per the Fair Credit Act. After waiting more than a month I got a letter saying nothing could be done.
Consumer complaint received 2015-11-16
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

I opened a Sears MasterCard account with Sears on XX/XX/XXXX and enrolled in their Debitcare debt cancellation program. Under this program my debit up to {$10000.00} will be cancel if I remain Unemployed for more than 180 Days. I remained unemployed for more than two years. 
This collection Agency reporting wrong date of account opened ( XX/XX/XXXX instead of XX/XX/XXXX ) and still trying to collect this debit.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX  I have been trying for 2 years to get mine and my sons credit report corrected. They have report a charge off but the account was paid on full by the insurance company. I have requested several time even from the credit reporting agency to correct this and they haven't. This has destroyed both mine and my sons credit and is coating me hundreds of dollars every month.
Consumer complaint received 2017-03-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

[ Case number : XXXX ) This is, again, a complaint requarding the merger of XXXX and First National Bank. XXXX customers have not been able to access their accounts since Friday last. This is Tuesday at XXXX. We still ca n't get in online or by phone. Credit/Debet cards have been turned off. What are we to do now? Called branch and they are also down and ca n't even issue temporary cards. 

Notified CFPB yesterday -- still no response. Next call to Sen. XXXX, XXXX and Rep XXXX
Consumer complaint received 2017-01-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

In 2015 I brought a Toyota XXXX Toyota XXXX.They made me buy a new car knowing I ca n't afford it they also told me if I do n't buy a new car a can not get a loan. I 'm am a XXXX and they Also gave me a high interest rate I 've been struggling to pay from day one. I believe they discriminate against me.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights.
Consumer complaint received 2015-10-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (MD)

I had an old payflow account that was activated in XX/XX/XXXX for use again with eBay. It was not until XXXX XXXX, 2015 that I was shocked to see an invoice for a bill of {$100.00}. I was able to call in today XXXX XXXX, 2015 to inquire about the bill since I never used the account since activation nor was I notified of anything owed at the time of reactivation. I do not believe I owe any charges from the past nor do I consent to any unauthorized charges.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2016-11-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (CA)

I have repeatedly requested that Cavalry Portfolio Service to provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2018-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

On XX/XX/XXXX and XX/XX/XXXX my payments to Navient were not processed. I have been enrolled in Auto-Payment for several years and my bank information has not changed. In XXXX some of my loans were removed from Auto-pay without my permission. I demanded that they be put back on Auto-pay and was told that my payments would be automatically withdrawn going forward. Low and behold, XXXX rolls around and crooked Navient didn't process all of my loans AGAIN. When they pretended to re-enroll me they put in the WRONG account information. What a bunch of crooks!