davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Terrill Outsourcing Group (CT)

Received letter from a collection agency about a debt of XXXX that was fraudulently charged in my name on XX/XX/22. I called the crediting company and filed a complaint The original creditor is XXXX XXXX. 
The current creditor is XXXX  XXXX XXXX XXXX The collection agency is superlative rm
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (GA)

I had a credit card with Best Buy for 5 years, I was told the credit card would reported to all three credit bureaus but its only reporting to XXXX. I called 5 different times and was told it should be reporting to all three. I was told each time to wait a month, and every month it was the same. I reach to XXXX and XXXX, and told me I should call CFPB because they still havent reported. I added my wife as a authorized user on my card 3 weeks ago and shows on all three of the credit bureaus.
Consumer complaint received 2022-09-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (NY)

Spoke with Santander on several occasions about a payment extension. I made payments to keep up with my loan and then out of the blue no paperwork or anything from the bank they came and picked it up while I was visiting my son in another state. I live 15 hrs away. They repo man from XXXX XXXX who was hired by XXXX  was very ignorant and was screaming obscenities at me and my family threatening to kick our faces in and attempted to drive away after he told my son and daughter in law they could get what they needed out of the truck. This was all done without a court order. The guy couldnt even give us a reason as to why they picked it up.
Consumer complaint received 2022-09-26
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. (TN)

I am. a natural person, l am a living human being, I have rights under 15 USC 1681.

Equifax is govern baby 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 I have the right to privacy and I did not Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX
Consumer complaint received 2022-09-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Google Compare Credit Cards Inc. ()

Since XX/XX/2021 I've been trying to cancel my google XXXX account number XXXX, but google arbitrarily claims suspicious payments, and the payments were made via bank slip, which makes any irregularity in the account impossible. I urgently request a refund of the remaining balance
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-10-25
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. (NJ)

I am a natural person, I am a living human being, I have rights under 15USC 1681 ( a ) accuracy and fairness of credit reporting XXXX is governed by 15USC 1681and they have violated my rights by furnishing unauthorized inquiries to my credit report, also pursuant to 15USC 1681 ( n ) civil liability for willful noncompliance- 15USC 1681 ( n ) ( a ) is liable to that consumer in the amount of any actual damages sustained by the consumer not less than {$100.00} dollars and not more than {$1000.00} dollars. I demand that the accounts listed below removed from my report. XXXX XXXX XXXX  - XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 -- I demand these hard inquiries removed from my TransUnion XXXX report/file, XXXX XXXX  XXXX XX/XX/2022, - XXXX XXXX XXXX, - XXXX  XXXX XX/XX/2022, - XXXX XXXX XX/XX/2022, - XXXX XXXX XXXX  XXXX XXXX, - XXXX XX/XX/2022 2022
Consumer complaint received 2022-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: D&A Services, LLC (NY)

I received several emails ( on XX/XX/22 ) from XXXX XXXX XXXX stating I am late with my payment. I physically went into our local XXXX  XXXX XXXX and let them know I do not have an account with XXXX  XXXX XXXX. Now I have received a letter from a collection agency ( on XX/XX/22 ) stating that I owe {$15000.00} I reached out to them and told them that was not me. I would not give them my social, but I explained that whoever is doing this has my address, email, and spelling of my name, fortunately, the middle initial is wrong. I reached out to XXXX XXXX XXXX, who can only give me limited information while I filed the fraud case with them. 
Please help me resolve this.
Consumer complaint received 2022-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST INTERSTATE BANCSYSTEM, INC. (OR)

On XX/XX/XXXX, I set up one ( XXXX ) $ XXXX transfer from my First Interstate savings account to my external US savings account. I received two separate emails from XXXX saying they received my request to transfer $ XXXX. I contacted XXXX saying I only authorized one transfer for $ XXXX. A few days later I got emails from XXXX  saying three ( 3 ) external transfers for $ XXXX each were completed on XX/XX/XXXX. I sent multiple secure messages to XXXX saying I did not authorize three separate transactions, only one. They responded saying my account showed three separate transactions that only I could have made. At no time have they ever answered my specific questions or believe me when I said I did not make three separate transactions on the same day for the same amount of money to and from the same accounts, they simply close out my ticket. I only authorized $ XXXX be transferred from my account not $ XXXX.
Consumer complaint received 2022-09-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Pollack & Rosen, P.A. (FL)

I was XXXX an I needed a car to get around in so my father cosigned for me to be able to get the car and I missed a payment after having the car for 7 month and they came and picked the car up and 4 years later they want me to pay for the car in full
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom it may concern : I am filing this complaint in regards to Capital One unethically closing two of my credit card accounts ending in XXXX and XXXX without any proper form of notification ; I have not gone over the balance/credit card limit and made routine credit card payments on time via enrolling in auto-pay per both accounts. 
Capital One was unable to provide me with a valid reason of why my credit cards were abruptly closed. 

Furthermore, Capital One closed my Capital One Business Spark Card ending in XXXX, the only credit card I have associated with my business, XXXX XXXX XXXX. Additionally, this violates federal regulations, as a business card should not be associated at all with personal credit card due to the fact a XXXX XXXX XXXX is legally a separate entity. 

I seldom use either of the mentioned cards. I did not realize my credit cards had been closed without proper notice or consent until I tried to purchase a toy for my daughter in a Walmart, and the card kept getting declined. I then called Capital One to resolve the issue in which the customer representative I spoke with informed my accounts had been closed 3 weeks prior in which I never received any form, including mail, of communication or an explanation and was rudely hung up on. 

The closure of both of my credit cards at the same time has detrimentally affected my business credit and affected my ability to obtain new personal and business credit. 
Furthermore, Capital One charged me a late payment fee on my credit card ending in XXXX for {$25.00} after the account was closed, unbeknownst to me, in which my auto pay had been deactivated without my consent or knowledge. 

I feel Capital One has unethically affected my ability to obtain new credit and has negatively impacted the operation of XXXX XXXX XXXX as a valid reason was unable to be provided as to why the accounts were closed and does not recognize under federal regulations that an LLC  entity is separate from personal matters.
Consumer complaint received 2022-09-26
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-09-26
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$280.00} ; XXXX  XXXX Balance : {$7800.00} ; XXXX Balance : {$680.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-26
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (TX)

On XX/XX/XXXX, I had called byryder the number me the same guy that sold me and XXXX the vehicle it was a replacement after a tornado had totaled the XXXX XXXX XXXXXXXX. It had a blown head gasket I was to fix it the day that XXXX XXXX or last name XXXX decided to walk out and leave everything on my credit with no word no answers on XX/XX/XXXX or XXXX I any way I had called byryder and left the guy that sold us the car a voice mail with the account number and my name and her name and my phone number the voice mail had stated that XXXX decided to walk out and I cant afford the car and you guys need to come a repo it. XXXX XXXX or XXXX had talked me into being primary on the accident due to her having XXXX repos and that she was second primary. I had left the car at the house in XXXX once I moved into my friends cause I couldnt fix it after i spent all my money on trying to save my house. XXXX was the last one at the house getting her stuff out I had also left a voice mail on the manager phone the guy who runs the car lot shop saying the same thing. Some how in the time frame of her last seeing the car and asking me for the keys and I had told her I left the keys in side the house on the counter the car place wants to come after me for the car being missing they call and call and I answer i instate I left the car on the property XXXX was the last to see the car and had asked for the keys so why she wasnt answering the phone call from byryder is a mystery to me. I had no intention of leasing a car I had a car already that my mom had givin to me so again I would like my name off the account due to it being her car that she always drove and wanted. She had me do a lot of joint stuff with her and it is effecting my credit badly when I had no part in anything that she had planned I feel like I was scammed and used that whole friend ship. And fraudulent scammed as well
Consumer complaint received 2022-09-26
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. (TN)

I am aware that all " debts '' or " contract bonds/notes '' are PRE-PAID at the time of issuance of these contracts, by my UNITED STATES OF AMERICA 'S corporate/commerce entity 's ( which I am the authorized representative/beneficiary to ) XXXX XXXX XXXX XXXX- held in the federal reserve bank. I have notified these DEBTOR companies of their fraudulent claims and reports, that they are misrepresenting the contract TERMS, by definition, who is to " pay '' these debts and whose CREDIT it is GRANTED by. My personal signature, or agreement in allowing access to the trust by providing the SSN, is assured by the Securities in TRUST, and is granted unlimited credit- without pre-judice or discrimination. This complaint is in accordance to UCC and USC codes pertaining to the above mentioned. 

DONE IN GOOD FAITH- ALL RIGHTS RESERVED- GIVEN FOR PATENT RIGHT : XXXX : of the family name XXXX, formally from the XXXX family Authorized representative to the " XXXX XXXX aka ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and all other derivatives of these names- accounts.
Consumer complaint received 2022-09-26
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. (NY)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-26
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXXXXXX Balance : {$7800.00} ; XXXX Balance : {$680.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-26
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. (PA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been trying to get my information corrected and updated on all of my credit reports but have yet to get anywhere with this matter. Because these companies are reporting incorrect information I can not obtain any credit in my name.
Consumer complaint received 2022-09-26
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-26
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. (NY)

My name is 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 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

I've filed several disputes about my name with Experian, my name is listed as XXXX XXXX XXXX or XXXX XXXX, and I've stated several times that l don't have or ever had a middle name or middle initial, they also have my name as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, I've sent them my driver 's license, military id, they still refuse to delete the names with the middle initials
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (AZ)

Things companies are fraudulent and need to be looked into because they are reporting fraudulent statues of limitations of the State of Arizona that should have been taken care of which it was years ago and now they're trying to put it back on my Credit Bureau reports