davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONRAD CREDIT CORPORATION (GA)

Since XXXX Conrad Acceptance has been attempting to collect a debt I feel I do not owe. Since then XXXX attorneys have been contracted with Conrad to collect this debt. Although I disputed the charges and the contract, in the spirit of compromise, I was willing to pay this account in the purpose of merely to have this item eventually removed from my credit report. The scheduled payment was to be {$50.00} per month which I paid religiously every month, on time. On XXXX XXXX, XXXX the 1st payment was scheduled to be made and was paid, then immediately following that in XXXX XXXX Law turns the file over to XXXX XXXX XXXX XXXX, XXXX which I again pay on time only to have in XXXX XXXX XXXX XXXX XXXX takes over the case and there is a {$150.00} balance discrepancy which, I thought, was corrected and XXXX XXXX XXXX turns the file over to XXXX and XXXX XXXX XXXX in XXXX XXXX, XXXX now there is a {$250.00} discrepancy in the balance that is owed. XXXX XXXX, XXXX I submitted written notification to XXXX and XXXX XXXX XXXX notifying them and disputing the balance. XXXX XXXX, XXXX, nearly 6 months later I receive a generic reply with no supplemental or validation of the debt was submitted along with the correspondence as required by law. XXXX XXXX, XXXX Another letter is sent to XXXX and XXXX XXXX XXXX disputing the balance again and submitting with my correspondence all supporting documentation including proof of all payment made up to the date of my XXXX XXXX letter. No other response was ever made again by the Law Firm. XXXX XXXX was when I received another letter from another Law Firm attempting to collect this debt and now the amount is nearly doubled in collection fees and interest.
Consumer complaint received 2024-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to express my deep concern and frustration with the way my identity theft dispute has been handled by your bureau. Despite providing clear evidence of fraudulent activity on my credit report, I have repeatedly been denied resolution. I have provided all the required documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that the accounts in question are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. This is unacceptable. I demand that you remove the following fraudulent items immediately from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please understand that I take this matter very seriously, and I am prepared to take all necessary steps to protect my rights and interests. I expect you to do the same.
Consumer complaint received 2017-03-15
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (VA)

I was going to be late on my car payments for a lease vehicle. I asked if could get a month skipped and added to the back of the ending term agreement. I was told no, and they can only change the due day out 15 days. I had the due date changed, and paid that month it was do. Unfortunately I still was out of work and could n't keep up with the payments. I asked again for possible skipping months or did I have any other options, but was told no. I was never offered any option. I was determining I could catch up with the payments but just before I got the money to catch up the leased vehicle was repossessed. I called to see if I could get the vehicle back but Honda Finance want XXXX for the full price of the vehicle not the XXXX that would have brought car current with late fees.
Consumer complaint received 2016-05-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Gold Star Finance, Inc. (TX)

I am out of work right now and are unable to pay for this loan I have with Gold Star Finance, the manager is XXXX XXXX his # is XXXX, I understand I have to pay, I just need some time, this person almost tears down my front door, is here every other day in different cars and at different hours, my daughter is terrified of him, he parks his car behind my car, so I cant move, I do not want to talk to him and that is why i 'm filing this complaint
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding the reporting of late payments on my credit report. I recently obtained a copy of my credit report and noticed that there are late payments listed on my account. 

Upon reviewing my records, I have not been delinquent on my payments, and this discrepancy is causing a negative impact on my credit score. I understand the importance of maintaining a positive credit history, and I am eager to rectify this situation promptly. 

XXXX XXXX XXXX I kindly request your assistance in investigating and correcting the late payment entries on my credit report. I have attached copies of my payment statements for the relevant months, which clearly show that I made the payments on time. 

I understand that errors can occur, and I appreciate your prompt attention to this matter. I kindly ask for your cooperation in correcting my credit report as soon as possible. Additionally, I request confirmation in writing once the necessary corrections have been made. 

Thank you for your understanding and cooperation in resolving this issue. I believe that with your prompt attention, we can rectify this matter swiftly and ensure the accuracy of my credit report.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

I contacted Experian, XXXX and XXXX to informed them that my right to privacy, fairness and impartiality has been violated by their company according to 15 USC 1681 ( a ) ( 4 ). I did not give any consumer reporting agency to furnish a consumer report on my behalf. That is FRAUD.
Consumer complaint received 2020-12-05
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. (NC)

I have known transunion to stand for a reporting company that prides themselves in making sure all information are accurate and lawful. I have reached out to them pertaining to several derogatory unauthorized, Unknown inquiries fraudulent. They refuse to delete them. I asked for validation as well as proof f investigation methods used. Per Fcra they never did. The in quiries are on the same day same time. Indicating fraud. I contacted the companies they have no data or knwledge. 
XXXX XX/XX/XXXX COA XX/XX/XXXX THey have no ppermissible purpse to have my social security # and run it. The privacy act FDCPA. 
I also asked them prove a new deragatory account i have no idea who XXXX and XXXX IS they have no idea who iam either. I contacted them and they do not have me in their system by name or birthday address social nothing. However transunion allowed them to put a medical bill for over $ XXXX on my credit report. They obviously gave me no due process as allowed by law. I never had a chance to defend myself in 30 days. Please transunion send me proof.this is alloted by the FCRA AND all the laws that govern you. I need all methods used in your investigation i need a contract with my wet ink signature. Transunion does not have address of furnisher or the phone number which is required that way the Man/woman can have a way of contacting the so called collector. It's incomplete, i had to investigate. The customer rep said they would delete but they do not have me ib their system. Call transunion to get it deleted. They even appologised. None of my other credit reports have XXXX AND XXXX, XXXX, OR XXXX. I have fraud alert police report on file. Therefore they followed the law. Transunion seems to be having issues following suite XXXX All credit reports should be uniformed because they get their information from the same place. XXXX, XXXX already fixed these issues. Why are you not? This is hurting my life. Its stopping me from buying my dream home for my family in this pandemic. Transunion just placed back a fraud alert on my report when it should have been on there since i submitted the police report in XXXX. Transunion is not keeping up with customer request and truth because they outsource the work overseas and the people dont know the law, and eoscar is not savy like sensible human beings to understand FRAUD and Violations. Transunion is in violations of my FCRA CCPA FDCPA. PLEASE FIX THIS AND SEND ME NEW CREDIT REPORT TO REFLECT CHANGES. THANK YOU
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (TX)

In the past, I have used XXXX to send and receive money from my PNC Virtual Wallet checking account.XXXX now says that PNC has made internal changes that do not allow for the account to be linked with XXXX, and suggested I contact CFPB
Consumer complaint received 2024-01-18
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. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-01-18
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. (LA)

I was never late on this account listed above. Please show me documentation proof of transactions ( bank statement ) showing I was late to support your inaccuracie reporting of my on my account. If you can't provide this please delete these alleged late payments on my credit report. The FCRA allow 30 days for this to be rectified. My XXXX report is reporting accurate after doing the same dispute.
Consumer complaint received 2016-08-27
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Lendmark Financial Services (TX)

Harrassing phone calls daily, leaving threats that they will procicute for not being able to make my payments on time. I 'm struggling with my finances and payments are higher than disgust. They approved me without properly evaluating my credit reports and refinanced a previous loan at a ridiculous interest rate.
Consumer complaint received 2018-03-14
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)

Back in 2012 my office got broken into and they stoled not only my computers my wallet which had my drivers and social security in it, ( copy of police report included ).  Earlier last month I purchased my first copy of credit report and got shock of my life to find out how someone could of done such a thing to me. apparently some one unknown to me had used my personal information to get an apartment and personal loans under my name from XXXX XXXX XXXX. at that time i had reported these accounts to credit bureaus and they had instructed me to file an FTC report which i did. Also at that time i had wrote a letter to XXXX XXXX XXXX and had made them know that the account that they are reporting to my credit report is result of identity theft. As of today i have not received no correspondent from XXXX XXXX XXXX   and i decided to purchase a new report to find out that this fraudulent account still reporting to my credit report that is the reason i am here now.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
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. (NV)

since XXXX, I have fervently reached out to the consumer reporting agencies as well as the creditors listed on the attached documentation regarding how Ive been impacted by XXXX data breach. Ive informed the consumer reporting agencies of the identity theft as well as provided the consumer reporting agencies with sufficient proof in the form of affidavits, as well as locally filed police reports regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my continuous, dreadful, and unsuccessful attempts to rectify my credit file, the consumer reporting agencies have been negligent and non-compliant to the FCRA 605b and promptly blocking and removing these accounts from my consumer credit profile. I have informed the consumer reporting agencies that the accounts listed on my affidavit are not related to any transactions made by me, and that my request was not made in error. a result of XXXX data breach, XXXX have promptly blocked and removed the account from my credit file, however, Experian and XXXX have refused to do so by stating that they do not block and remove accounts. I am requesting that the CFPB aid me in the removing of these fraudulent accounts from my profile, as I have endured tremendous adversity as a result of this breach. I am also using this final, good faith attempt with clean hands, to support me should I have to seek monetary damages if this final attempt is unsuccessful. attached are the following : XXXX qualification claim that proves I was a victim of XXXX data breach, FTC affidavit, local police report, drivers license, and Social Security card.
Consumer complaint received 2024-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MS)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-01-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CT)

I originally disputed Fair Collections Outsourcing with the 3 credit Bureaus in XX/XX/2023. This dispute lead to no avail. I attempted to do it again in XXXX and XXXX and again in XXXX but the Credit Bureaus, nor Fair Collections Outsourcing were able to remove this inaccurate item. 
The debt belongs to my ex, XXXX XXXX, who we shared a place together. During Covid, He become XX/XX/XXXX to the point I had to move out and remove myself from the lease as the instruction of friends and my XX/XX/XXXX. I was off of the lease when he stopped paying, yet this item is on my credit report for {$15000.00}. He was supposed to file for the Rental relief during Covid for assitance with paying the rent but he did not. 
I have tried to contact him to rectify this so he can assure the Credit Bureaus and Fair Collection Outsourcing that the debt is his, and his only as I was removed, yet he has blocked my number for leaving him.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have contacted XXXX XXXX XXXX numerous times and requested my auto loan to be reported to my credit profile. I opened the loan XX/XX/XXXX. When I started calling XXXX  about the missing information, I was asked to upload my credit reports to their portal which I have completed XXXX times. I was then sent several letters for different reasons on why it wasn't reported. After calling and explaining the account has never shown on my report is when they stated the credit companies are verifying the account is reporting. I asked the CSR to provide me with the information that the credit companies stated this, they did not. I then received another letter stating that XXXX notice an issue with my credit profile and sent an update to the credit companies and this could take XXXX  days. That was XX/XX/XXXX, I believe. On XX/XX/XXXX I finally received a call from a manager after months of requesting someone to call me back about my issue. He requested I submit the documents yet again for the XXXX  time. On XX/XX/XXXX I called Experian and requested for my credit profile to be reviewed and the CSR verified that no car loan from XXXX was reporting and has never reported. She also stated there isn't an investigation shown on my report if there was, I would have received a letter in the mail. The CSR then created a case # XXXX and transferred me to the Disputes Department and that CSR advised I would need to call XXXX  and Request XXXX things 1. Full Account Number and 2. Subscriber Code. When I called the CSR XXXX informed me, she would provide me with the full account number she sent a code to my phone and then placed me on hold to find the subscriber code from someone else. Once she returned, she did not have the subscriber code she stated no one knows what that is, not even a supervisor. As of today XX/XX/XXXX, my XXXX XXXX XXXX has not reported accurately to my credit profile after XXXX  months of paying on time payments to the company.
Consumer complaint received 2024-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to dispute this account. Its never belong to me You re the only XXXX bureau who reporting this negative information. Another XXXX bureaus are clean ant positive! This is illegall!!! 


XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions 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 2024-01-18
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. (GA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-02-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC (WA)

I took out this loan on a XXXX XXXX and Ive paid way over the value of this loan. And fees are outrageous. There is still a payoff amount of {$1600.00} to buy out the product.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I opened a secured credit card with XXXX XXXX in XXXX of XXXX. During the COVID-19 pandemic. I closed this account and received some of my initial deposit into this account back. For the past 2 years, XXXX has not provided verification of documentation and I have requested this documentation of the account from open to close, showing where they sent me money back after I closed the account, but I have failed to receive any of said verification of documentation from Self or Experian which makes this information inaccurate. 

XXXX XXXX Bank took my rights as a consumer and decided to make my account a profit/loss write off. XXXX XXXX Bank reports the status to Experian as : Account charged off. {$45.00} written off. {$61.00} past due as of XX/XX/XXXX. Status was updated XXXX XXXX Credit Usage 110 % with a credit limit of {$100.00}. XXXX XXXX XXXX of {$61.00} and a Highest Balance of {$150.00}. But no monthly payment is reported nor are the terms. The 24 month payment history currently reflected on my Experian file have NO payment history only that XX/XX/XXXX the account was charged off. 

I've requested documentation from XXXX XXXX Bank and have failed to receive documentation. 

Section 623 ( a ) ( 8 ) Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. ''