davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EXPERT GLOBAL SOLUTIONS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX is the collection agency attempting to collect on a " Re-Aged '' account. There has never been any activity on this account but the collection agency sought to make it appear falsely to have recently had activity to falsely make the debt appear to be current. they falsely claim the debt Opened, XX/XX/XXXX ( 6 mos ) when in fact the debt was originally with XXXX XXXX XXXX XX/XX/XXXX and was successfully resolved with them verifying the debt was not owed, and then removed form the credit report. XXXX purchased the file ( probably along with numerous others ) and sought the action without verifying the debt was owed. 
I contacted the collection agency and demanded verification of the debt, I contacted the collection agency and demanded the proof the purchased the debt, I demanded the collection agency remove the debt form negatively affecting my report. I filed these documents directly in writing over 3 mos ago and they have failed to respond timely as is required, and failed to act upon the duties held under Fair Credit collection act. 
I wrote to the collection agency the following : If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have Already done so ), also report that the debt is disputed. 
I also spoke with XXXX who indicates they reflect no such debt outstanding in their records, the resolve with XXXX was that they had continued billing after move out date and stop service notification. The Michigan Public service Commission also helped to resolve the claimed bill owed as I remember, XXXX XXXX The following is appearing on my report : ( XXXX ) XXXXLast reported : XX/XX/XXXX {$160.00} Needs Attention Account status- Open Type -- Responsibility - Individual Remarks : Account information disputed by consumer, meets FCRA requirements
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my consumer report, I was surprised to find that the following company ( s ) is/are reporting charge off ( s ) : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am demanding the removal of the mentioned charge-off ( s ) as I firmly believe that my consumer rights have been violated, as per the consumer law ( s ) listed below.

15 U.S.C. 1681a - Definitions ; rules of construction Section ( 2 ) Exclusions.

Subsections ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C. 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

According to the law, a late payment is considered a transaction and should not have been added to my consumer report.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; As a consumer, I am aware that I can charge {$1000.00} for damages if this item is not removed promptly, as it is causing me significant harm. Please refrain from stating that the item has been verified. Either the law is applicable or not. Kindly send an updated copy once the disputed item has been removed.
Consumer complaint received 2022-09-11
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 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. All is being investigated by the FTC.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2022-09-11
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 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. All is being investigated by the FTC.
Consumer complaint received 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-04-29
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. (UT)

XXXX XXXX is reporting incorrect information on my credit report. I was never late XX/XX/2020. This payment was made on time and I am not sure why it is reporting inaccurately. I have made late payments in the past, but this is erroneous.
Consumer complaint received 2020-04-29
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. (GA)

I was recently denied credit and was told it was due to XXXX reporting recent lates. My student loans are deferred as a current student and should never have been reported late. Even when the deferral was verified/submitted, they did not correct my credit report. This company is absolutely terrible and now I'm paying for them.
Consumer complaint received 2020-04-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (MN)

When the COVID-19 pandemic began, I contacted our mortgage company, Home Point Financial to see if they would work with us as I was taken to half pay and my wife was furloughed, drastically reducing our income. I had been reading about other lenders working with their clients and allowing them to go into forbearance and tack on the missed payments to the end of their loan ... I was hoping for the same from our lender. The only option they offered was to have a 60 day forbearance with a balloon payment due for the missed mortgage amounts at the end of the 60 days or they would begin foreclosure proceedings ... which is creating an incredible hardship for us and doesn't make sense as to where we would come up with the funds with reduced income?
Consumer complaint received 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

The portal from XXXX to access the 3 major bureaus seems to be completely useless for accessing Equifax reports. It caused my browser to crash repeatedly, and my cpu and ram usage were both maxed out just from their site attempting to load. After attempting in another browser, the site says online delivery can not be performed and requested that I ( very unsecurely ) mail them a form with photocopies of information that in the wrong hands could be used to damage the very reports they are making it impossible to access. 

I have never seen my credit report from Equifax. That is all I'm trying to accomplish.
Consumer complaint received 2020-04-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (WI)

This company calls from assorted phone numbers, all of which are not active when called back, they use number spoofing and neighbor spoofing to call and threaten legal action. I have never dealt with them and will never return a call or " log into their website '' to do business with them.

In veiled language they threaten legal action, disguised just enough to make it legal, but threatening none the less. They also threaten to contact you neighbors, friends and family and employer.

They need to stop calling me or anyone they have on file with my account, cease and desist immediately!

They don't even use a legitimate street address, how could you trust a scammer like this?

They are a shady bill collector who uses scare tactics and less than legitimate technics to scare people.
Consumer complaint received 2018-06-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

For my new XXXX the Payment date XXXX fell on weekend and they will not let you make a payment on that date it defaults to the next business day. I paid on the XXXX before my due date and still today on the XXXX my account is showing past due. Its not even reflecting online. My payment only shows scheduled for today when I made it on the XXXX. Then it says allow 2-3 business days for it to show up.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I am a XXXX, I live in Connecticut. 
I made a cashier 's check for onXXXX {$22000.00} to pay for a new car. I had to drive to XXXX, NY in order to obtain the check at Capital One Branch, there is nothing closer to CT. Due to COVID 19 outbreak I didn't get the car, so I called Capital One in XXXX to cancel this check and get my money returned to my checking account. Nothing was done. I called every week for a month, and my money are still missing. 
I spoke several times with Capital One customer service who told me bank will not return my own money unless I drive from Connecticut to New York Capital One office to deal with it. They told me that it is up to me to do it, but money will not be returned unless I will be personally standing in NY office. They said even with COVID outbreak and lockdowns, and emergency situation those are Capital One bank rules. They said they are aware that many Capital One locations are closed.They suggest I break guidelines and recommendations during COVID pandemic in order to claim my own money. They never send me any written documentation regarding my claims and calls. I wrote directly to XXXX XXXX, CEO of Capital One, and to manager of XXXX  Branch XXXX XXXX, with a cc to complaints at Capital One, none of them bothered to respond.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

I was recently denied credit and was told it was due to Navient reporting recent lates. My student loans are deferred as a current student and should never have been reported late. Even when the deferral was verified/submitted, they did not correct my credit report. This company is absolutely terrible and now I'm paying for them.
Consumer complaint received 2021-02-27
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: Continental Finance Company, LLC (UT)

My credit card was charged over the limit with fraudulent charges I did not authorize nor did I personally make. I have made numerous calls to the card fraud department and have been unable to get a resolution. I disputed all charges on XX/XX/2021 in the amount XXXX. The card has been disabled by Continental Finance who is the card issuer.
Consumer complaint received 2018-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I disputed PORTFOLIO RECOVERY ACC # XXXX last XX/XX/2018 through the credit bureaus and by sending Portfolio Recovery a validation request. More than 30 days have past and still, nothing happened. Did not receive any proper validation documents from Portfilio recovery. Moreover, upon checking my credit report, I found evidence of this companies violations which I elaborately explained on a separate document attached to this compalint. Violation such as missing/inaccurate informatio, misleading/incorrect creditor type etch. All of which violated both FCRA and FDCPA. This is the last I am giving you. I will not hesitate to bring to to court if nothing still happens.
Consumer complaint received 2022-09-11
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: AMERICAN EXPRESS COMPANY (MS)

On XX/XX/22 I was notified via email with the following message.. 

" Hi XXXX, Your company was recently submitted by XXXX XXXX XXXX as a 'XXXX XXXX XXXX ' referral to American Express XXXX Schedule an appointment with me at your convenience to discuss how American Express can help move your business forward. 

I'm looking forward to our chat. 
Thanks! 
XXXX XXXX '' I received a phone call from this person stating we " had a scheduled appointment. '' which we did not. I was told I qualified for their American Express Business Credit Card. I was excited because I had just joined the XXXX XXXX XXXX to help improve my credit score which is not good. " XXXX '' went through all the steps of the card process as if I were approved. Then transferred me to someone else that let me know they ran my credit report and I was denied. I asked for this inquiry to be removed from the credit report because I did not give anyone authority to run a credit report. I was told I would have to call the credit reporting agency because they could not take it off. 

This has further damaged my credit report from the last two credit card scammers who did this to me and lowered my score.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2021 an envelope was mailed to Experian via XXXX tracking XXXX this was received by Experian on XX/XX/2021. As of today XX/XX/2021 Experian failed to respond at all let alone in the timeframe allowed. The accounts in question which were initially challenged are : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX I am attaching a copy of the report they contain issues which were previously sent on the above date with tracking info.
Consumer complaint received 2020-04-29
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. (AR)

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$320.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX  XXXX   XXXX {$860.00} XXXX XXXX XXXX {$490.00} XXXX   XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2021-02-27
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. (DE)

The following accounts are fraudulent and should not be on my credit profile I WANT ALL OF THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED IMMEDIATELY XXXX  : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Collection openedXXXX XXXXXXXX, XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Equifax : XXXX Account number XXXX Collection opened XX/XX/XXXXXXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXXXXXX XXXX : XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX 2020
Consumer complaint received 2020-07-15
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: Synovus Bank (NV)

I had a deferred interest loan/card with Synovus Bank / XXXX XXXX XXXX - I paid account IN FULL - before it was due, and that balance was over 45 days ago. The company REFUSES to accurately report my balance to the credit bureau as {$0.00} balance. When calling, I am told the only option I have to report {$0.00} - which company verifies my balance is indeed {$0.00} is to CLOSE the account. In both instances - closing my account as well as FAILING to report my ACCURATE balance hurt my credit score and financial image. I want the account to be open, I may need a product using this company in the future. However, regardless, they have a duty to accurately report my balance to all 3 credit bureaus.
Consumer complaint received 2018-06-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pendrick Capital Partners Holding, LLC (OH)

I received one letter, dated XX/XX/XXXX, from XXXX XXXX XXXX stating I had a collections balance of XXXX with two separate creditors, XXXX XXXX XXXX on the front, and XXXX XXXX XXXX XXXX on the back for a medical service rendered XX/XX/XXXX. I had never received any previous bills from " XXXX XXXX XXXX which does not exist, as only XXXX XXXX could be found on XXXX, and it refers to XXXX Hospital in XXXX. I have also never received any bills from XXXX XXXX. The item was reported to the credit bureaus on XX/XX/XXXX. The letter states they have attempted to contact me, and are willing to let me pay a reduced amount to settle it, but makes no mention of my right to dispute the debt.