davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
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. (MA)

I XXXX XXXX hereby request that the attached account I had with XXXX XXXX XXXX be deleted permanently from my credit report effective XX/XX/XXXX as already agreed upon by XXXX in a XX/XX/XXXX and a XX/XX/XXXX credit report I obtained from Experian Information Solutions , Inc. The attached letter I received from XXXX is not on point, and I believe that they are trying to re-age the original debt as part of a vengeful process to eradicate funds from me personally. I therefore demand that Experian check into this issue and take sanctions against XXXX XXXX XXXX for not abiding by its subscriber agreement with your credit reporting agency. Since the deadline was already established, I demand this account be removed XX/XX/XXXX permanently. 
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
XXXX XXXX
Consumer complaint received 2021-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (VA)

I moved out from an apartment near the end of last year. The then-property manager ( I do not know if she still works there ) had my phone number and email, and we were friendly at the time ; I trusted that if there were any issue the company would reach out to me. 

I found out several months later that I had a collection on my credit report when I applied for a loan to finance a personal project and was rejected due to it. This took me by surprise! I went and ordered my credit reports and discovered that Rent Recovery Solutions had reported a past-due balance to XXXX. At first I was confused, as I had given the property manager my final rent payment before I left. I mailed requesting more information and received the documents explaining the alleged " cleaning fee '' and " trash service fee ''. The problems with this are several : XXXX ) No attempt was made to contact me regarding this alleged debt for several months after it was reported to XXXX. If the company was sincere in believing I owed this amount, I would expect that they would behave as collection agencies generally do and attempt to contact me. I construe this an awareness that this debt is not really mine and that Rent Recover is willingly engaging an extortionate exercise. 

2 ) The lease document provides no fee schedule, no obligation to pay fees of this type, or any other language that would create a financial obligation that could result in a debt of this type.

3 ) Even ignoring the above, there is no justification provided for the listed amounts - rather than an invoice for the services provided from a reputable vendor, the numbers have simply been conjured out of thin air. The mere assertion of a debt does not create one.

4 ) Even ignoring the above, the amount would be incorrect, as it has clearly not factored in the {$300.00} security deposit which I paid to the property when I began my lease. 

Despite the obviously deficient documentation, complete lack of meaningful collection activity before I learned about this, and other issues, Rent Recovery did not budge when I sent them my documentation request and advised them that the debt was not mine. In fact, despite knowing the debt in dispute, they reported it to XXXX while I was in the process of disputing it with XXXX! 

In summary, this debt is demonstrably invalid and not mine, and yet Rent Recovery Solutions persists in attempting collection on it.
Consumer complaint received 2022-04-28
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. (LA)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

15 USC 1681 A. section 602A. States I have a 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.
Consumer complaint received 2022-03-30
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. (PA)

My ex opened accounts with out my knowledge or consent and made herself and authorized user all charges came from her cards stopped paying when things ended statute of limitations past in my state of Pennsylvania I honestly do think I should be held responsible
Consumer complaint received 2022-04-07
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. (AZ)

I spoke with manual at Transunion on XX/XX/2022 about the late payment that appears on my credit report I request the following late payment to be delete and removed off my Transunion credit report : XXXX XXXXXXXX XXXX '' late payment amount of {$17.00}.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (TX)

I checked my credit report on XXXX and a company name Affirm Inc has three past due open accounts in my name. I did NOT open those accounts. I contacted Affirm twice. Both times I gave them my name, phone number and last 4 digits of my social security number. I was told both times that they do NOT have any accounts in my name. And there shouldnt be because I have not opened any accounts with Affirm Inc . I have no information on those accounts, except for whats listed on my credit report. I have never received any calls, mail or emails about anything to do with Affirm Inc. No contacts of any kind whatsoever. I did not contact Affirm until this information showed on my credit report. I put in an investigation, twice with XXXX and was told, via email that those three accounts remains and that the company, Affirm Inc reported the information is accurate. 

The three accounts were opened XX/XX/2024 {$100.00} {$210.00} {$100.00} The number that I called Affirm on is XXXX. 
The address that is listed on my credit report is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (CA)

XX/XX/2022 To Whom It May Concern : I received an alert on my credit report on XX/XX/2022 about an alleged debt from Procollect , INC in the amount of {$890.00}. I called the company to inquire about alleged debt. I asked why I havent received an initial letter about the alleged debt? The Procollect , INC representative admitted during the phone call on XX/XX/2022. They are in process of sending out the initial letter. This negligence is in clear violation of my FDCPA rights. Due to this unacceptable violation. I request the alleged debt deletion from all credit reports ASAP. I have attached the alleged debt from my XXXX credit report. I have also attached a screenshot of the telephone call. If theres any other information needed, please dont hesitate to ask. 


Best Regards, XXXX XXXX
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (CA)

I have an American Express Serve card that I acquired in 2017. I have paid the monthly fee for 5 years and after a traumatic car accident I need to use the card. I deposited a check for {$190.00}. I paid a {$5.00} processing fee to have the funds available in minutes. After an hour the funds were available according to the account status. The card would not work, I am not able to make a purchase or withdrawl cash. I'm unable to send the funds to a XXXX for pickup. Now they have added a fraud alert and won't release my funds. I have called dozens of times, most times they disconnect the line while on hold. I am XXXX and XXXX  now as am not the only person who I have found has this problem with their Serve card with American Express.
Consumer complaint received 2021-05-25
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

In XX/XX/XXXX I entered forbearance on my current mortgage at the time I was behind and in order to enter the forbearance period I needed to be current, I brought my account up to current and entered into forbearance. In order for it not to reflect poorly on my credit, this covered me from XXXX till XX/XX/XXXX I noticed my account has been noted as 60 days plus delinquent so I called Loancare, disputed it and they had fixed it all the way up till XX/XX/XXXX It was reported as Current XXXX XXXX is reported as delinquent as well as XXXX XXXX XXXX XXXX and XX/XX/XXXX. In XXXX I extended my forbearance period & then last month I had made a modify to my loan in order to get a new rate and so as of now I dont have a payment due until XX/XX/XXXX, that being said I called to see why its reported delinquent they tell me its because my payment back in XX/XX/XXXX which is mind you when I went into my forbearance period that they cleared me for, was returned by my bank. My bank statements does not reflect that and they have never told me in the many of times I called that this was the case so that I could have a chance to fix the error and have my credit reported to as current, I have numerous hours on phone calls, Ive reported it, Ive disputed it, Ive contacted everyone, Ive done everything in my means and a year and a half later they tell me this is the case after theyve already reported all this negative to mine and my co loaners credit reports, this is so damaging. I need this fixed ASAP I dont know what else to do
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

Hello, I have been disputing incorrect items on my credit report for months with Equifax. They have my birth date wrong in which i have sent them proff several times. Therefore nothing has been reported to my credit report. Which has affected my score tremendously Equifax has refused to respond to my complaint in this matter.
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAP1/L & T XXXX I have never paid late on this account until XXXX 2020 due to COVID. My daughter was XXXX with XXXX and was in the hospital. Can you please extend the curtisy and change XXXX to current.
Consumer complaint received 2020-09-06
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: Freedom Mortgage Company (PA)

I applied for a refinance loan on a property with Freedom Mortgage in XX/XX/2020. My credit report was pulled for the first time with my consent in XXXX. Three months later, due to completely unprofessional conduct in regards to proceeding with my loan application ( Covid slowed the process down by a bit, but not to the extent that mine was delayed ), the credit inquiry was close to expiring. On XX/XX/XXXX, I emailed the loan officer specifically about making sure my credit is not pulled a second time, and I was assured it wouldn't be. On XX/XX/XXXX it was pulled via Freedom Mortgage a second time, this was without my consent. Since XX/XX/XXXX, I've repeatedly requested to Freedom that this inquiry be removed from my credit report. They have not done so. ( At five months into the process on XX/XX/XXXX, I had no choice but to move on to a different lender, since XXXX still could not get to the point of closing the loan at the agreed rate and closing costs that I signed off on in XXXX, and it was clear that proper and respectful customer service was not a concern for them. ) Since it was pulled again in XXXX, my credit score has dropped 20-plus points due to that new inquiry. I was told by Freedom at the beginning of XXXX it would take 10 business days to remove. It's been over 50 business days, and after having yet another conversation with Freedom about it, it was clear it is not a priority to get it resolved, at my expense.
Consumer complaint received 2021-07-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (GA)

Purchased a 2021 XXXX XXXX and agreed to finance XXXX through Ally Financial in XXXX of this year. The terms of the loan were {$680.00} for 72 months. However after making three payments of {$680.00}, equaling {$2000.00} the loan has actually gone up from the amount I agreed on. The payoff today XXXX XXXX 2021 is XXXX, which is {$180.00} more than I even financed. I contacted Ally Financial and was told that {$13.00} was added to my account every day on top of the {$680.00}. So Ally financial is charging me {$1000.00} and my payments are only {$680.00}. So basically the loan is progressively going up instead of down and I did not agree to or sign a contract with these terms. It will literally be impossible to pay the vehicle off under these terms and the company has to know this and is deliberately taking advantage of consumers. I am also a XXXX veteran and feel as if I have been taken advantage of because of my XXXX status. I know I did not agree to this and Ally Financial should be investigated for illegal business practices.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/2021 I received a confirmation that I bought {>= $1,000,000} worth of Bitcoin. Apparently I messed up with the verification process and they locked my account. I found a guy named XXXX XXXX that said he could help me get back into my account and transfer my Bitcoin to my XXXX wallet. It didn't feel right so I cancelled the transfer. This was done XX/XX/2021 at XXXX PDT. Since then after numerous emails promising to unlock my account I am still locked out.
Consumer complaint received 2020-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT MIDLANDMCM XXXX MIDLANDMCM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLANDMCM XXXX MIDLANDMCM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications  and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-02-01
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: SANTANDER HOLDINGS USA, INC. (CA)

I am requesting these documents because I do not believe this repossession should be reported on my credit report and that it is reporting inaccurately. 
SANTANDER CONSUMER USA XXXX Balance : {$19000.00}
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

Synchrony bank. 
I told the lady at XXXX XXXX that I have a credit card at home and she purposely made me sign for a new card because they cant do look up or bill with social security number look up. 
The mail/billing never reached my home. They said the post office returned my mail twice. They did not allow me to pay my bill over the phone because they had to figure out how to identify me. They ruined my credit. They told me that they cant fix because it took too long to identify me. 
I have the money and this sort of wrong doing is not fair. Now, I need SSI and unable to refinance my home due to XXXX credit. Now, I need to sell my condo. All my life I did what was right then one credit card company went a messed everything up. Soon Ill be in section 8 housing instead of my condo. One credit card shouldnt be able to do some damage to ones credit score.
Consumer complaint received 2021-05-25
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. (CA)

There are two accounts onn all three bureaus that are not mine They have never been mine I have not applied used or owned such credit cards I need this off my credit I have opened an FTC regarding this and I have sent out disputes to all bureaus and furnishers to remove these since they do not belong to me!!! 

Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-09-08
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: ID Analytics, Inc. (CA)

Hello, I applied for an auto loan XXXX and was denied because i had a frozen credit at XXXX  and did get approved for a loan. My credit score for the 3 credit agencies run about XXXX. Then apparently a company named SageStream , LLC gave me a XXXX score? My issue is who are they and why do they have my person information? I am unaware that there is another or a new credit agency. I tried to call them but was unable to talk to an actual human. ( im sure by design ). I do not want to deal with them in the future and to freeze my credit with them I need to give the my personal data along with personal documents? please explain why this i happening? I have not given them any permission to handle my personal info and grade my credit score. Please turn them off! Thank you XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXXXXXX, Account name : # XXXX XXXX  ( Finance ), Account name : # XXXX XXXX XXXX, Account name : # XXXXXXXX XXXX XXXX ( Bank ) Account name : # XXXXXXXX XXXX XXXX ( Bank ), 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LL Capital Partners II, L.P. (FL)

The Strike Acceptance bank to which I make my monthly payments for my car since XX/XX/2019, has not reported such payments to the XXXX, XXXX  and XXXX Credit Bureaus. For this reason I am unable to buy a new car, because dealers need to see this information in the aforementioned bureaus. I would appreciate it if you could help me correct this problem that affects me a lot.