davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

In 2012, while still in the XXXX XXXX and on assignment, my team, the XXXX XXXX XXXX, was scheduled to lodge at the XXXX XXXX in XXXX XXXX Texas while preparing for our unit to go on a XXXX. 

I was the first XXXX to arrive so I checked in ahead of my team. We stayed at the hotel for 30 days on orders and our rooms were XXXX {$100.00} per night, totaling {$3000.00} plus taxes upon checkout. Every XXXXXXXX XXXX  room was supposed to be charged to their respective XXXX XXXX issued credit card. However, when I checked my credit card balance, there was an astounding amount charged to my card for XXXX {$6000.00} plus taxes. I called the hotel to dispute the charges, and was told the additional charges were associated with another XXXX, XXXX XXXX. I spoke with the hotel manager about the unauthorized charges and was told the issue would be handled internally to see where the discrepancies occurred. 

I arrived back to our unit, and financial services processed our card balances through a process called XXXX. My charges for my room were paid because they were valid, leaving a remaining balance from soldier XXXX XXXX room. The Unit Sergeant state the military was not responsible for resolving the billing discrepancies as that was solely the responsibility of the hotel. 

After not hearing back from the hotel, I contacted XXXX XXXX several times and made him aware of the billing discrepancy. XXXX agreed to pay the balance in full via several recorded calls and emails to remedy the issues. However, after many unsuccessful attempts, XXXX changed is contact information and I was never able to contact him again. 

This balance was reported to the credit bureau and I never had access to the card account after this issue. These unauthorized charges are not the result of myself, and the hotel management had ample opportunity to correct the issue caused by their front desk agent on duty. 

I am going o seek legal representation, as well as contact XXXX, and the attorney general about resolution. This account has been reporting negatively on my credit for over 7 years and keeps reappearing. I am NOT responsible for these charges.
Consumer complaint received 2023-01-18
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (IL)

Consider this as my follow-up attempt to ensure that these items are removed : 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 Ive already included this in my previous Complaint # & I am including it again
Consumer complaint received 2022-04-29
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. (FL)

I want to report fraud for the following accounts that I have disputed with all XXXX credit bureaus. The credit bureau told me to add all the companies I am disputing in one FTC fraud report and not to complete it individually. 
1 ) XXXX ending in XXXX 2 ) XXXX  XXXX  XXXX  ending in XXXX 3 XXXX XXXX XXXX  ending in XXXX 4 ) XXXX XXXX XXXX ending in XXXX 5 ) XXXX XXXX ending in XXXX 6 ) XXXX XXXX  ending in XXXX
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under Section 609 of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.
Consumer complaint received 2021-07-21
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. (NC)

I see inquiries on my report that shouldnt be there there from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021
Consumer complaint received 2021-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (DC)

On XXXX at XXXX XXXX, Chase bank deleted my phone number from my account so that they could close my checking account that I've had for over 10 years without me knowing. I still have not received the over XXXX XXXX dollars that I had deposited in that checking account. They also refuse to tell me why they closed my checking account. This has caused me financial hardship during the current Covid-19 pandemic.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was completely taken advantage of. I am so glad that I finally took the step and enrolling into a university its very confusing but I understand and value all. I have had a very rough but fun life. I have been everywhere. But the collateral damaged produced by Bank of America , Banc of America, Merrill. Is by far the most damaging and destroying element to ever face me. Student on the journey to gain a higher education. As I pledge allegiance to the flag of the United States of American and to the republic for which it stands one nation, under god, in divinity, liberty, XXXX for all.
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (OK)

I have never missed a payment with Santander Consumer USA. My account is XXXX and the last payment made was XX/XX/2021 for the payment amount of XXXX. My payment is not due until the XX/XX/XXXX of each month. Santander reported on my credit report that my account was 30 days past due. This is incorrect. I want this removed from my credit report immediately. 

My total loan payoff for my car is {$680.00}. I was told by Santander ( check recordings ) that I could continue to pay this balance as i would normally pay my car payment. Now they are reflecting it as past due. It is not. I have never missed a payment. I pay early.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX FRES Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX CO Date of inquiry : XX/XX/XXXX Delete this account. 

8. The following personal information is incorrect Account Number : Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2021-07-01
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: CREDIT ACCEPTANCE CORPORATION (PA)

I received a letter from the company that I submitted a dispute with previously. In the letter it states that they have closed the account and no further payments are owed. The account is from 2015 and its the only derogatory account on my report and I would like it removed since they closed it and ther is no longer a balance. The company is Credit Acceptance and my dispute was in regards to their predatory lending practices.
Consumer complaint received 2023-09-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (MI)

XXXX debt collector called and reported I owed a debt they are collecting. From check n go in 2018. They verified my name and then the last 4 digits of my SSN. I expressed my disbelief in this debt, as I have never used this type of service and was hung up on. I called the number back, another individual answered verified my name, again the last 4 digits of my SSN, and I then asked for my address to receive dispute forms, which was then read to me. I expressed my disbelief and was then again hung up on. The debt, they claimed, stemmed from 2018. I have never used check n go services. Frankly I am in high disbelief that i would have been able to qualify for their services in 2018. XXXX debt collector called from XXXX. I will wait to see if this company can provide proof of this debt. I contacted Check n go, Allied Services debt collector for Check n go, they state they have no record of my SSN. As of now this appears as though a phishing scam or bad collecting practices if this is a real licensed debt collector.
Consumer complaint received 2021-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

* PHOENIX FINANCIAL SERVICES LLC, Continues to attempt to collect a debt from the consumer XXXX : XXXX via the mail on XXXXand numerous other times causing severe pain and sufferings and, violating Consumer Federal Law : *15 U.S. Code 1692c, Communication in connection with debt collection *15 U.S. Code 1692j - Furnishing certain deceptive forms , - on three different dates. 
*15 U.S. Code 1692e.False or misleading representations *15 U.S. Code 1692d - XXXX or XXXX
Consumer complaint received 2020-01-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (IN)

I have had a checking account with M & T Bank since XX/XX/XXXX. In XX/XX/XXXX I declined " overdraft protection '' and requested that any debit that would cause my account to overdraft be declined. This was on file since XX/XX/XXXX. Despite this, I have received numerous overdraft fees since XX/XX/XXXX. The dates are listed below. For every overdraft, I have been charged XXXX, often triggering a second overdraft. The bank has refused to refund many of these. 

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
Consumer complaint received 2018-02-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (UT)

When I applied for my loan in XXXX of 2016, the Loan Officer that was taking my application filled out half of my application. Things went by vey quickly, and he was marking boxes, and putting in value of different assets himself. After about a year of making payments, the payment amount did not make sense when I calculated the original loan balance and the scheduled payments. It was not until I called the company and asked them why my payments were so high that I was told I had insurance on my loan. I did not approve of this insurance being added onto my loan. I have also asked for statements and amortization schedules on several occassions. I finally did get a payment summary, but never an amortization shedule at any time when I have requested it. I have also tried setting up my account online, but always get an error message. I also noticed on my payment summary there were a couple of payments where {$0.00} was added to my principal balance. Although my interest rate is high 35 %, there is some portion of my payments that should be going to principal. Furthermore, I did not give permission to put insurance on my loan, and again, my Loan Officer filled out half of my loan application. There is no way to get into your account online, and Mariner Finance does not send electronic statements or statements via mail. They never let you know what is going on with your account, and when you ask for information, they don't come through. They have absolutely refused to send me an amortization schedule. Again, I have asked several times, and have NEVER received one.
Consumer complaint received 2021-07-01
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: Southwest Credit Systems, L.P. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  SW CRDT SYS ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-04-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I believe this company is sharing information to people with the intention of collecting debt. I had someone who I believe is somewhat affiliated with this business ( XXXX XXXX formerly of Virginia ) contact my place of business and Participate in harassing activity and intentional fraud. I believe they have done this several times over as well as having this updated beyond seven years, at this time theres a settlement in place and which Im paying on however I believe that this is retaliation to a former complaint that was filed against portfolio recovery. 

I believe they have done this for over seven or eight years and I believe that they are accessing bank accounts and checking balances and expenditures based on the information they receive from companies to collect debt. It is racketeering at the minimum. It is human trafficking for them to profit while placeing people in the disadvantaged position. I dont know circumstances to anyone from portfolio recovery or any debt collection agency be ever allowed to conduct business with anyone with access to the holder of an account under the supervision.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I have notified Experian Numerous times they are reporting inaccurate information on US BKpt Ct Al XXXX. They have verified to me that the information is correct and accurate. Well, when you call the Phone number they have on file is disconnected or no longer in service. I have called Experian numerous of times and also have sent certified letters On XX/XX/2018, demanding proof of information to be corrected. When I also called they say they have never received a certified letter from me in regards to this matter. It is a Credit Bureau Method Verification Letter. You will find attached a copy of this letter attached.
Consumer complaint received 2021-06-09
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. (OH)

I requested a reinvestigation and for contracts bearing my signature for the accounts below. Experian sent a letter refusing to reinvestigate telling me to send in documents to. However, they should have that information if they are the ones reporting it. They also did not provide information from the accounts bearing my signature or any contract. But they are reporting an account as charged off that was removed/ not reporting on the other bureaus. Credit bureaus are supposed to be reporting from the same place. I spoke to a representative from Experian and they said they are getting information from computers. I reached out to XXXX XXXX XXXX and walked into the bank. They do not have any of my information on file. My rights are being violated by Experian according to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. The information on my account is causing me to have high APRs and denials for credit based on my report.

1. The following account is reporting INACCURATELY and was removed from XXXX. 
XXXX XXXX XXXX Account Number : XXXX Please follow suit and remove it from my credit report. 

2. The following account is reporting INACCURATELY ; My payment status is CURRENT, never LATE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/2020 Please remove it from my credit report. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-04-30
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. (CA)

XXXX accordance with the fair credit reporting act XXXX  account # XXXX and XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX sent me a new card and when they did they reported me a second account on my credit report. Its always been the same account same balance. For one year now they were reporting I was at 100 % utilization on one and then the other was accurate. After a year of impacting me I finally got the bank to send a letter to credit bureaus to remove this one from my report completely. Now all 3 bureaus are marking it closed due to fraud and now my score is down 20 pats. How is this legal I never had two accounts or separate balances. Ive now been impacted for a year this is crazy! Its like the bureaus want is to Have low scores.