davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NY)

I have identity theft, there is a credit card that is not mine on my credit report from XXXX Bank that is not mine which was Opened XX/XX/22. I called the bank and they will not close or freeze the account without the application ID. I had filled out an application for a XXXX XXXX card in flight XX/XX/22 and you give the application to flight attendant. The bank told me the card only has my SS and they need me to call Experian. 
I have tried for 2 days and can not get a person on line only a recording that disconnects me eventually. I have spent hours trying. I called XXXX and they said I need a person at Experian but how? I was trying to save them {$16000.00}, help!! 
There is an incorrect name on my credit report, I do not know if this is part of it, if I could speak to a person and have it removed.
Consumer complaint received 2021-01-29
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: CITIBANK, N.A. (VA)

I don't know what is wrong with Macy 's credit card company. Are you deliberately not reading what I wrote? I just said in my last complaint that I tried to pay on time but you phone agents hung up on me after waiting on hold for an hour. I tried to pay at the store and I thought that I had paid but you NEVER sent me any notifications that I was late on payments. I didn't find out that I was late on payments until I started getting credit report alerts about these 90 day delinquent charges. Had you stupid agent not been lazy and did her job instead of hanging up on me I would have paid it right then and there. It was YOUR fault that I did not pay on time not mine. I have MANY other credit lines and NOT one has had a delinquent charge in more than a decade. Look I have a Macy 's executive 's email address and phone extension. I am not the only one tired of Macy 's XXXX. You seem to be screwing over other people as well. If you do not fix my credit report I will be posting a review with all her contact information so other upset Macy 's credit card holders can have a chat with her. FIX MY CREDIT NOW!
Consumer complaint received 2021-01-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX XXXX COMPLAINT OF [ CREDITORS / COLLECTION AGENCY ] HARASSMENT AND FRAUDULENT DEMAND FOR PAYMENT LETTERHEADS / REMOVAL REQUEST : : OF THE DAMAGING NEGATIVE INFORMATION REPORTED TO THE CONSUMERS 3 CREDIT REPORTING BUREAUS FILE. / I XXXX XXXX XXXX, HEREBY, SUBMIT THIS COMPLAINT OF HARASSMENT, AND FRAUDULENT DEMAND FOR PAYMENT LETTER, AND DAMAGING NEGATIVE INFORMATION, THAT WAS REPORTED TO MY CONSUMER ACCOUNT, WITH THE THREE CREDIT REPORTING BUREAUS BY : __NATIONWIDE CREDIT INC. ; WHOM IS A COLLECTION AGENCY. AND DOING BUSINESS ON BEHALF OF ; XXXX XXXX XXXX, XXXX. 
NOW, THEREFORE! ON THE DATE OF XX/XX/2020. I RECENTLY RECEIVED, __ANOTHER HARASSING PIECE OF COMMUNICATION, VIA__BY LETTERHEAD, FROM NATIONWIDE CREDIT INC . DEMANDING PAYMENT FOR AN OUTSTANDING ACCOUNT BALANCE, IN THE AMOUNT OF : XXXX {$20000.00} ] XXXX XXXX, XXXX XXXX AND XXXX DOLLARS, AND XXXX CENTS. 
[ 1 ] I XXXX XXXX XXXX, NEVER OPENED AN ACCOUNT WITH XXXX XXXX XXXX, XXXX. IN OR AROUND, THE TIMEFRAME PRESCRIBED BY THE CREDIT GRANTOR. WHERE UPON__IT WAS DEFINITELY OPENED BY SOMEONE ELSE? __OTHER THAN, MYSELF! THEREFORE, THE VALIDITY__ OF NATIONWIDE CREDIT INC . CLAIM AGAINST__ THE SUGGESTED NAMED PERSON ON THE ACCOUNT IS FRAUDULENT. 
REMEDY__THAT IM SEEKING : [ A ] MONITARY RETRIBUTION : : FOR BEING HARASSED, INCONVENIENCED, AND FOR THE RUINED CREDIT RATINGAMOUNT TOTAL : [ {$5000.00} ] [ B ] WHEREFORE, I STRONGLY SUGGEST__THAT, NATIONWIDE CREDIT INC., DIRECT ALL FEASIBLE ATTENTION AND EFFORT, ON LOCATING THIS IDENTITY THEFT. AND I ALSO SUGGEST : AN IMMEDIATE STOPPAGE__TO ALL HARASSING DEMAND FOR PAYMENT COMMUNICATIONS. OR__I WILL BE FORCED ; TO BRING FORTH__SOME FORM OF JUSTIFIABLE LEGAL ACTION, WITHIN THE COURT OF LAW. TO REMEDY : :__THIS PETITION AND CHARGES__ AGAINST THE PARTIES INVOLVED.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX has been inaccurately reporting on my consumer credit profile since XXXX of 2018. Ive reached out via email & certified mail multiple times to no avail. I also understand this is a direct violation of, but not limited to ; 15 USC 1681-furnishing a consumer report without consent, 15 USC 1681 [ A ] [ 2 ] [ B ] furnishing an account that was created from a credit card or similar device, 15 USC 1692J furnishing a deceptive form to make the consumer believe they owe a debt, 15 USC 1602 ( k ) drafting a contract or similar instrument in which the consumer can not adequately understand.

Im asking you to help remove this charge off immediately
Consumer complaint received 2024-10-17
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. (MO)

I have filed multiple complaints in reference to my federal consumer rights being violated by Experian due to their reporting 's on my consumer report. I received mail from them in reference to verifying my identification. I provided my ID, social security card, and multiple pieces of mail, one being a bill and other a promotion mail from a promotional inquiry attached below.
Consumer complaint received 2021-01-29
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. (CA)

On XX/XX/2015 I purchased a car from a dealership called XXXX XXXX in XXXX County, Ca. I drove the car home and it never moved again. I tried calling the dealership and left messages and no one would return my calls. I called other local dealerships because now without transportation, I was not able to travel or bring the car in from XXXX County where I live. I phoned other dealerships in the area to find out why no one was answering the phone. They told me there was crime tape around that dealership XXXX XXXX XXXX XXXX and that all the cars on the lot had been confiscated by the police. The police were questioning folks in the are and the Owner, who identified himself to me as XXXX was now a fugitive. I phoned the bank where the loan was originated and they stated that I had already signed the deal and it was too late to do anything except pay the {$460.00} each month. They told me this was necessary to protect my credit. They also told me that once I reached XXXX they would forgive the rest of the loan. I continued to pay my monthly premiums of {$460.00} for years and was never late with a payment because I wanted to protect my credit. When I reached the XXXX, the bank started to avoid me as well. They told me they were under new management and that offer no longer applied. They demanded an additional XXXX and threatened me with collections and damage to my credit. I paid for years so that my credit would not be destroyed, but now this is what I was facing. This is a criminal matter and no one wanted to help me. Based on this, I have been unable to find a place to live, get a job and this scam has literally destroyed my credit rating and my life. Please help me to remove this black mark from all 3 credit bureaus. I paid on time ... never late for years to end up with what I was trying to avoid all along. I really need help.
Consumer complaint received 2022-07-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Niagara Restitution Service Inc (TX)

I am contacting you on behalf of my son. He suffers from severe XXXX health issues. Therefore I will be his advocate. He was contacted by XXXX XXXX regarding a payday loan from XXXX XXXX Texas. He missed one payment, so someone called him from XXXX on XX/XX/2022. They told him he would face jail time because he bounced a check across the state lines. I called the same number to talk to the rep, and the man was very hostile to me. He refused to tell me his name or give me an address. I hung up with him and called the number on the website. By the way, there are two websites one has a misspelled name, but both have the same number. I spoke to a woman named XXXXXXXX XXXX XXXX  XXXX XXXX. I let her know about our exchange with the other rep. I wanted to help my son, so I paid the rest of the so-called debt. I was promised by XXXX that I would get a receipt the next day, but nothing came across my email. I called the next day again, and the rep that answered said it would be 90 days for me to get a payment confirmation. Since then, my card has had two fraudulent charges on it and still no receipt of payment. This company, I feel, is not abiding by the laws set by the fair trade commission and should be looked into. Just look at the XXXX reports. http : //niagararestitutionservice.com/. Others have been threatened by them.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of XXXX XXXX. The Equifax XXXX has failed to comply with air Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the Bureaus, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS CHARGE OFF ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-01-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CA)

I opened an account with us bank. A few days later I get a call from a man named XXXX. From the fraud protection department he was accusing me of attempting to fraud the bank. He then told me the accounts will be closed. I still haven't receive the money from the account XXXX put a hold on the account and he's the only one that could lift the hold they say. He never returns any of my calls. All I want is my money in the account
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I've been a victim of identity theft. I have contacted the creditors, but nothing has changed I'm asking for verification into account details and to provide accurate information if not to delete these accounts from my name. 

XXXX Name and Address Wrong XXXX XXXX Name and Address Wrong PORTFOLIO RC Name and Address Wrong XXXX Name and Address Wrong
Consumer complaint received 2022-07-28
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: ERC (GA)

I was recently made aware of Enhanced Recovery Company , LLC " ERC '' violating my consumer reports when I attempted to apply for an extension of credit. I have had no communication with this company, nor did they respond to my Cease & Desist letter that was sent XX/XX/XXXX ( attached ) and addressed directly to the CEO XXXX XXXX. These actions are a violation of FDCPA, FCRA, & the FBPA " The Acts ''. The Acts were created to protect consumers from harassment from alleged creditors and debt collectors. I had absolutely no idea that ERC has been harming my financial reputation for over 5 years until I pulled my consumer reports. I have no communication or contract with this company. Nor did I give this company permission to share any information on my consumer report as is required under the FCRA 15 USC 1681b ( a ) ( 2 ). Further, this is harassment as defined under the FDCPA 15 USC 1692d as well as false and misleading information 15 USC 1692e. The FBPA was created to protect consumers from violative business practices. These violations entitle the consumer ( me ) to exemplary damages. As ERC has been in business longer than 10 years, there is no excuse for their actions. Further, several court cases support XXXX XXXX non excusat ( Ignorance of the law excuses not ) All are presumed to know the law. San Francisco Gas Co. v. Brickwedel ( 1882, 62 C. 641 ; Dore v. Southern Pacific Co. ( 1912, 163 C. 182, 124 P. 817 ; People v. Flanagan ( 1924 ), 65 C.A. 268, 223 P. 1014 ; Lincoln v. Superior Court ( 1928 ), 95 C.A. 35, 271 P. 1107 ; San Francisco Realty Co. v. Linnard ( 1929 ), 98 C.A. 33, 276 P. 368. ERC never had permission to be on my consumer report. Their actions provide all of the essential elements for a defamation of character lawsuit, emotional damages, and aggravated identity theft.
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Clark County Collection Service (CA)

I received orders from XXXX XXXX, XX/XX/XXXX to XXXX XX/XX/XXXX, XX/XX/XXXXin XX/XX/2022. The electricity was shut off at previous address in XX/XX/2022 through the servicing company XX/XX/XXXX XXXX. A balance was not stated on the last bill I received that month. In late XX/XX/2022, I received a notice of a debt in the amount of {$540.00}. I called and asked why I wasn't notified in XXXX and stated my situation but they sent my account to collections regardless. Apparently they sent a notification to the house I no longer lived at the the current residents kept the mail and I was never notified nor given a chance to dispute, arrange payment, etc. 
The amount is extreme due to a plan theXX/XX/XXXX XXXX offers, which does not stipulate that I wave Servicemembers Civil Relief Act rights by enrolling the program. 
Now I am in collections through Clark County Collection Service. The agent handling my debt claims to have never heard of the SCRA.
Consumer complaint received 2020-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2020 I sent Capital One a Affidavit of Truth regarding a credit card in the amount owe of {$660.00}. In the bill statement Capital One had 6 federal privacy act violations I also attacked a notice in the amount of {$6000.00}.
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 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 2022-07-20
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-04-07
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. (FL)

In accordance with the Fair Credit Reporting Act, everything on my credit Report should be 100 % Accurate. The Credit Bureau stated that my account was properly investigated and updated on numerous occasions which could not be possible when XXXX XXXX with account number XXXX has various discrepancies on all three bureaus such as inaccurate open date, inaccurate date last active, inaccurate account number, inaccurate account type, inaccurate date of last payment and inaccurate payment history and XXXX XXXX with Account number XXXX has inaccurate account type, inaccurate, inaccurate credit limit, inaccurate date last active, and inaccurate date of last payment. these inaccuracies are grounds for removal. 
They also Violated my rights under 15 U.S.C 1681 section 604A which states that I have a right to privacy. 15 U.S.C 1681 section 604 A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX refuses to remove all name variations, addresses and addresses I am not associated with from my credit report.
Consumer complaint received 2022-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (OH)

I just received a letter telling me that I have a debt of {$140.00} to a company called FROST-ARNETT concerning a XXXX in XXXX. The problem is that I've never been to XXXX so I can't take out a credit there
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (SC)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Aldous & Associates for committing identity theft. I have never given Aldous & Associates any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from Aldous & Associates before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Aldous & Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Debt Collector ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Aldous & Associates continues its collection efforts, I will file for litigation for actual damages caused and Aldous & Associates will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-10-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I have filed multiple disputes with Experian about in inaccuracies on my credit report. After my disputes, under their dispute center, they have marked those account as under bankruptcy and never late. However, they did not update these changes on my Experian credit report and they are continuing to showing those account as a negative information. I even tried to contact with them over the phone but couldn't resolved the issue. Please see the credit report and pictures from their dispute center. They do not match up.
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was billed for a broken rental agreement in the amount of XXXX that had been passed to a debt collector in XXXX. They stated I owed XXXX XXXX XXXX the amount above. I was unaware of the transaction and contacted XXXX XXXX XXXX who said they had my information on file for a rental property from XXXX. I informed them i never spoke with them and did not agree to a lease, i was told to contact the debt collector. I then tried to settle the debt paying off XXXX on a payment plan in XXXX and in the mean time informed them of the problem but gave up. I now currently am trying to move and because of the issue i can not rent from any properties. I have recently filed a dispute with transunion, The debt collector, who has suggested i should create a fraud case and provide information to the ftc.gov website.