davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-14
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: EQUIFAX, INC. (CA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible. 

Please remove the inquiries below : XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXXXXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXXXXXX - XX/XX/2021 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (CA)

I have had this problem numerous times, and it seems that the debt is mostly originating from XXXX or XXXX or other wifi/ cable/ telephone companies, but different debt collection companies are showing up on my credit report. I am not getting any mail regarding owing debt, it just shows up on my credit report. In XX/XX/year>, I disputed XXXX XXXX XXXX XXXX  debt collection which stated that it originated from XXXX XXXX through XXXX because it showed up on my credit report as delinquent. This was removed from my account. I have never had an account with charter Communications and don't even know what that is. 

In XX/XX/year>, I disputed XXXX XXXX XXXX ' debt collection which was on my XXXX credit report and stated that it originated from XXXX. This was removed from my account. In XX/XX/year>, I disputed XXXX XXXX XXXX 's debt collection through XXXX which stated that it originated from XXXX. This was removed from my account. 

In XX/XX/year> I filed another dispute with XXXX but on my XXXX web account it won't let me see the results. I am not sure I ever got these results. 

In XX/XX/year>, I filed a dispute with XXXX because there was a address on my account that was never mind, I believe in XXXX. I can't see the address now that it was removed, but it was removed. 

In XX/XX/year>, I filed a dispute with XXXX for Amsher Collection Services, which stated that it originated from XXXX. This was deleted from my credit report with XXXX. Now in XX/XX/year>, Amsher Collection Services ( originated from XXXX  ) is on my credit reports again for XXXX and XXXX. I tried to dispute this through XXXX in early XXXX, but they stated that they verified this information with Amsher and that it was true. I called Amsher, and they said that because XXXX deleted it and XXXX and XXXX had different amounts that I owed, I could pay Amsher approximately {$400.00} to get this deleted from all of my credit reports for good. I didn't do this because I wasn't sure if it was fraud or not, so I called XXXX again on XX/XX/year> and they reopened my dispute for Amsher and told me to file an identity theft report. I tried to file an identity theft report through ftc.gov, but the website directed me to this website. I also have a debt collection agency, XXXX XXXX XXXX, on my credit report for XXXX stating I owe money originally through XXXX. I also filed a dispute through XXXX for this. 

I can't currently see my XXXX credit report online, they are working on my online account, they say that there is an error. 

I just filed my dispute through XXXX for Amsher on XX/XX/year> and I don't know the result of this at this time. I also filed a dispute for XXXX XXXX XXXX with XXXX ( originating from XXXX  ), as this is on my XXXX report as well. I only have these debts because I keep opening my credit freeze to try to refinance my mortgage. Please advise and help me.
Consumer complaint received 2021-02-16
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: First Advantage LNS Inc. (MD)

I recently looked over my consumer credit file. I come to notice that there are several inaccurate accounts that have not been authorized or unverfied by myself THE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER. these accounts are being placed on my account negatively and reporting to the three credit bureaus without validation or consent.

15 USC 1602 ( 1 ) ( a ) ( b ) ( c ) furnishing MY FEDERALLY PROTECTED information to third party debt collectors. 
FCRA STATES the " I HAVE A RIGHT TO PRIVACY '' 15 USC 1681 ( a ) ( 4 ) These corperations are in a clear violations per the FTC 15 USC 1692a ( UNFAIR PRACTICE ) 15 USC 1692b ( 2 ) ( STATING I OWE THIS ALLEGED DEBT ), 15 USC 1692g ( NO PROOF OF VALIDATION ), 15 USC 1692, 15 USC 1692j ( FURNISHING MY CONSUMER IMFORMATION ), 15 USC 1692d ( HARRASSMENT ), 15 USC 1692e ( 1 ) FASLE AND MISLEADING INFORMATION ), 15 USC 1692e ( 14 ), ( USING A NAME OTHER THAN ORIGINAL DEBTOR invalidated debt.. and 15 USC 1692f ( 1 ) furnishing my Consumer Information without my consent. 


XXXX XXXX, ****XXXX XXXX***, NATIONAL CREDIT AUDITCO**XXXX AND XXXX XXXX XXXX are all third-party debt collectorsI have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

THESE INQUIERS ARE UNAUTHORIZED XXXX ( Inquiry from XX/XX/XXXX ) XXXXXXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) the charged off account from XXXX Closed amount XXXX Opened XXXX is not verfied and was not authorized by me.
Consumer complaint received 2022-04-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Hi, my name is XXXX XXXX I have been reaching out to the 3 credit bureaus Experian, XXXX, and XXXX since XX/XX/XXXX. It is now XX/XX/XXXX I will enclose documentation of this proof within that time XXXX, XXXX, and Experian have not met my demands or response to information on my credit report in which I want validated. These accounts that I will list below do not belong on my credit report. I have submitted the FTC reports, proof of identification all that was asked of me and my consumer rights are being played with. I am reaching out to the CFPB to provide them with proof of what is going on and to show that I am 100 % right in this situation in which XXXX, XXXX and Experian are forcefully reporting delinquencies and not responding letting me know the results of their investigation.
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

this complaint is against experian with copy to their subscriber XXXX XXXX. 
EXPERIAN TRIES TO DISSUADE THE TIMELY PRESENTION OF UPLOADED EVIDENCE IN AN ACTIVE DISPUTE BY NOT ALLOWING UPLOAD TO PUT IN EFFECT MAIL TIMES AND THE ALOTTED TIME FOR EXPERIAN TO RECEIVE. 
XXXX IS AN ACTIVE DISPUTE.THE DEBT IS THE PRODUCT OF FRAUD.AN FTC POLICE REPORT OF ID THEFT HAS ALEADY BEEN DELIVERED TO NON RESPONSIVE EXPERIAN .THE EVIDENCE TO THIS DAY IS THE CRIMINAL COMPLAINT AGAINST THE ORIGINAL CREDITOR OF XXXX XXXX IN REGARDS TO MY '' DEBT ''
Consumer complaint received 2021-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC ()

Good morning, I have previously submitted the dispute for deletion of the collection account from my credit report reported by XXXX XXXX XXXX in the amount of XXXX , and this account again appeared on my credit report. this account now reported by a company called MRS associates, but this XXXX account opened fraudulently under my name, I have left the USA back in 2015 and I physically could not open this account. also, I am including supporting documents to prove that I was not in the US when this account is open.
Consumer complaint received 2019-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (DE)

I received a fraudulent check from a client, it was discovered before all the funds were cleared into my account, TD Bank proceeded to put a hold on all my funds in both my business and personal accounts with no warning or notice. It took the week to correct the problem.
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (MA)

When redeeming {$570.00} in points on my Fidelity Investments XXXX  credit card, I accidentally hit the wrong key when I was online. I wanted to have the rewards dollars credited to my brokerage account at Fidelity but instead I hit another key that said statement credit which resulted in a XXXX % reduction to XXXX which was credited against my credit card balance. The result was a loss of {$280.00} to me. 
I immediately called Fidelity ( like 10 minutes after I made the mistake ) and was transferred to Elan Financial which handles the cards for Fidelity. I talked to 3 people at Elan, all said nothing could be done. I recently got a letter from XXXX services that said nothing could be done. I believe Elan is owned by US Bank. 

I feel that this is totally unfair. It was a simple bookkeeping adjustment that could have fixed this issue, instead it was an easy way to treat the consumer poorly and grab the money. Especially when dealing with a senior citizen.
Consumer complaint received 2024-12-05
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc. (NV)

XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Nv, XXXX Moneylion XXXX XXXX XXXX XXXX, UT, XXXX Subject : Request for Clarification on Loan Charge-Off and Rescission Rights under 15 U.S. Code 1635 Dear Moneylion, I am writing regarding the status of my loan account, specifically the recent charge-off notice. I would like to address my rights under 15 U.S. Code 1635, which pertains to the right of rescission under the Truth in Lending Act ( TILA ). 

This law provides borrowers the right to rescind certain loan agreements within three business days from the date of the transaction or the date of receiving required disclosures, whichever is later. Additionally, in cases where the necessary disclosures were not provided, the right to rescind may be extended up to three years from the transaction date.

To ensure compliance, I kindly request the following : 1. Full Disclosure Documents : A copy of the original loan agreement and all disclosures provided at the time of the loans initiation. 
2. Itemized Accounting : A detailed breakdown of the charges, interest, and payments associated with the loan.

3. Verification of Charge-Off : Documentation substantiating the charge-off, including the date and amount.

If disclosures were not properly provided as required by TILA, I may have grounds to rescind the loan agreement. Please review my account and provide clarification on this matter within the timeframe mandated by applicable laws. 

I look forward to your prompt response to resolve this issue amicably. Please direct all correspondence to the address listed above or contact me at XXXX. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-07-26
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. (MO)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2024-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC (GA)

Sent following statement ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2021-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.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. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Please see attached dispute accuracy [ 15 U.S.C. 1681i ] and important information on credit file No. XXXX dated XX/XX/2023. XXXX XXXX XXXX
Consumer complaint received 2019-10-27
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. (AR)

TransUnion refuses to remove a federal Stafford loan that was approved for XXXX Discharge on XX/XX/XXXX and met the 3-year post-discharge monitoring period on XX/XX/XXXX. XXXX, the loan servicer for the U.S. Department of Education stated by letter that the loan would be reported to credit reporting agencies as discharged. TransUnion continues to report the loan as an unresolved dispute, not specified. Furthermore, since the loan was connected to a proven fraudulent student loan history that is massive known fraudulent signatories and a wrong university I never attended, I requested that the loan be removed from all credit reports and not re-posted. Additionally, TransUnion re-posted a phone number that was disconnected more than 3 years ago after removing it and informing me by letter that no phone numbers would be put on my credit report. I asked all credit reporting agencies to not post any phone numbers to my credit reports since I change the number frequently, sometimes 4 times in a month. All credit reporting agencies have compiled with the request to remove outdated, inaccurate information, and also, removed the student loan that is no longer subject to monitoring and thus no longer subject to being reported - every credit reporting agency except for TransUnion. The other credit reporting agencies, including XXXX, are reporting correct up-to-date information, no phone numbers, and removed the loan that is connected to massive fraud.
Consumer complaint received 2024-12-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Collectors, Incorporated (WA)

I was notified yesterday via a email from my husband that a medical bill I'm not even sure is mine was being garnished. Nether of us were served, i am the person who allegedly incurred the debt why would they take from my husband? I had my own insurance. There's also the fact that every interaction i have had with any medical personnel at any point, they were notified of my insurance which was XXXX. in Washington state they must bill our insurance and there are laws against this. please see below. Please also note there were further laws passed on this in XXXX and XXXX. Further and most disappointedly, this is a bill from the XXXX  XXXX XXXX XXXX XXXX XXXX  and they embezzled hundreds of thousands of dollars from us residents ( please also see that proof below ) and this debt collector couldn't have even verified this debt was mine of happened. What kind of debt collector would by debt from a known county fire department with substantiated embezzlement by the auditor and FBI? The kind who knew that the fire department was in such hot water that them capitalizing on their already fraudulent activities would go unnoticed. We are a one home income. We struggle to get groceries. I can say with all honesty, This will most likely cause a us to lose our home and further suffer. For that, they are awarded no points and I am taking this to task regardless how long it takes. this was monstrous of these people right here and God don't like ugly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-06
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: Resurgent Capital Services L.P. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-11-27
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: Amsher Collection Services, Inc. (NV)

I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.