davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
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. (MS)

Equifax and XXXX  are reporting incorrectly my Date of Birth. Equifax has the birthdate completely wrong it should be reporting as XXXX and XXXX  just has the year listed. My correct date of birth needs to be updated. My most recent credit report also shows the following accounts as not in dispute, when in fact these accounts are in dispute. Medical collection/chargeoff account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These line items are in fact in dispute and this language needs to be reflected on my credit report. In addition, these accounts do not belong to me. No original creditor has been listed and I do not even recognize who these collection accounts are for. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX is reporting multiple inquires that do not belong to me. I had never made any inquiries on these accounts. Please see accounts listed below : 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 ; and XXXX XXXX. 
Experian is also falsely reporting multiple inquiries as well that do not belong to me. I had never made any inquires on these accounts. Please see accounts listed below : 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 ; EXPERIAN XXXX XXXX XXXX ; EXPERIAN XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and EXPERIAN XXXX XXXX XXXX. I do not recognize ANY of these accounts and have never made an inquiry to these creditors. This multiple reporting of inquiries that are not mine is seriously harming my credit score and these items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-03-30
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)

On XXXX XXXX I submitted a dispute about some personal information regarding my credit score and potential fraud as there was a closed account in my name. I uploaded my passport, social security and ID letting them know that I am currently XXXX. The account was charged off by XXXX in XXXX. I however was born in XXXX so I cant possibly know who or what happened when i was only XXXX XXXX XXXX at the time. I even proceeded to write them a letter with additional information provided such as my address on a banking statement. However on XX/XX/XXXX my dispute stated that the charge of would remain because the information was correct when XXXX matched the information. Yet I dont see how that could be possible when I sent in all information proving that the information regarding my account as a whole was wrong it stated that my birth year was XXXX when i specifically sent in documents proving that I am XXXX. There is no way that a XXXX XXXX XXXX could have opened this account and I feel as though Experian didnt do enough for my situation. I am very disappointed because as a young adult I should be able to build my own credit not start off with poor credit based upon something I did not do.
Consumer complaint received 2021-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery XXXX and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2022-12-24
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. (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 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.
Consumer complaint received 2021-03-30
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

Because someone fraudulently used one of my credit cards in XX/XX/2020, I got a credit report from one of the major credit reporting companies. I think this was the first time in my life I had ever requested a credit report because I had always heard that doing so could lower one 's credit score : besides, I had no need for further credit. However, I did discover that there was an account for a credit card from USAA Savings Bank that wasn't mine. The number for USAA was listed on the report so I called them. This was around XX/XX/2020. When I called I told the person answering that I thought someone had created a credit card account with my identity. They asked me a series of questions and, yes, my identity was used to open an account. I was then transferred to the fraud department and they asked me more questions to determine my identity, They got to a point where they asked if I was in a particular branch of military service. I have never been in the service at all so at that point they said that was a " big red flag '' and they could see that the account was opened with my stolen identity. They said they would take care of it and get back to me. They didn't. I've called them three or four more times and written them a certified letter, but they are giving me no help or information.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (VT)

On XX/XX/XXXX, I noticed several fraudulent charges from the car rental service XXXX. I called TD Bank, alerted them to these charges, and it was dealt with immediately. I was issued a new card, and the charges were removed. On XX/XX/XXXX, charges totaling XXXX} were transferred back on to my new card ( as a balance transfer from TD bank, though my statement shows the charges are from XXXX ). On XX/XX/XXXX, this happened again ( totaling XXXX  ). I have since called numerous times and waited on hold several hours with no resolution. I have opened two separate investigations via TD bank, the most recent of which was closed XX/XX/XXXX with no resolution. One representative told me, " sometimes this happens, maybe you should call XXXX '' and offered me no other recourse. My most recent experience lead a representative to file another internal investigation to try and get some answers. 

From what I gather by piecing together varying information from these calls is that the balance transfer was simply to balance out a credit I had received for the original fraudulent charges. However, the charges to my card never posted because they were caught in time, and I never received nor needed to receive a credit for them. I have a letter from TD Bank stating that the charges never posted, and no action was needed to remove the charges. My statements from the past two months verify that I never received a credit, and it simply appears that XXXX charged my old card a total of XXXX. Unfortunately, TD Bank seems to have deemed this matter " closed '' and does not seem willing to investigate further ( pending the results of my last call ). I am not sure how to proceed to get these charges removed.
Consumer complaint received 2022-07-14
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2021-03-30
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The company is XXXX the loan was sold to another company for refinancing.When I had the loan I paid XXXX bill now the bill is showing up multiple times on all three credit bureau and being listed up to XXXX times on XXXX report.l called XXXX and they said I had multiple loans. I recall my last payment with them being in XXXX. They have it listed as XXXX ; which is incorrect.l have filed a dispute with all three credit bureaus and requested my payment history.They made a mistake and put the correct payment history up any the the time I went to print it out it had changed.
Consumer complaint received 2022-07-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO. (NY)

Chase Auto claims that I owe the repayment of an auto loan. I disagree with their claim because I paid the bank for an extension of my own credit via a Finance Charge when I signed the contract for the XXXX XXXX XXXX XXXX back on XX/XX/XXXX. According to 15 USC 1605, ... the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The portion that says, ... payable directly or indirectly by the person to whom the credit is extended refers to me, the consumer, and the portion that says, ... imposed directly or indirectly by the creditor as an incident to the extension of credit., refers to the banks. The transaction was completed at the signing of the contract because the initial payment of the finance charge was needed for the banks to extend my credit to the dealership for the car. When I asked for the verification of the original creditor, not just the creditor, the bank claimed that they were the original creditor for each respective contract. This is false because the role of the bank is not to lend credit pursuant to 12 USC 1431 since it is not stated as a part of the Powers and Duties. By omission, I must be the original creditor since I am the only other party present in the consumer credit transaction. Therefore, there is no need to pay back something that already belongs to me, eliminating the idea of any debt. The only thing I would have had to pay to the bank was the Finance Charge which was already paid as explained earlier. This was a consumer credit transaction which was completed therefore there is no debt that I owe. I asked for validation of debt and each bank sent me a copy of the contract attached below which clearly indicates the price for the Finance Charge that I paid via my credit card for the extension of my credit.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX ; Experian and XXXX  should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see pages attached. I have also attached a copy of my drivers license and SSN for verification purposes. ) These multiple inquiries are well within the time that is typically allowed to check different lenders and find the best loan. These inquiries are all the same type of lender and therefore should only be reporting as ( 1 ) line item. All of the inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only as ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-07-14
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2021-06-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (GA)

On XX/XX/2019 I entered into a finance car loan with Santander Consumer USA. To whom it may concern, According to the Truth In Lending Act 15 usc code 1605 ( a ) ( 5 ) law clearly states that insurance shall be included in the finance charge, which I purchased a vehicle under the extension of my credit and received a contracted loan that was extended from your company which had no insurance attached to the original contracted financed loan. There was no appropriate disclosure present at the time. Also no insurance included in the finance charge according to 15 US Code 1605 ( a ) ( c ) * CHARGES OR PREMIUMS FOR INSURANCE, WRITTEN IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTION, AGAINST LOSS OF OR DAMAGE TO PROPERTY OR AGAINST LIABILITY ARISING OUT OF OWNERSHIP OR USE OF PROPERTY, SHALL BE INCLUDED IN THE FINANCE CHARGE* I didn't receive any insurance that was included in the finance contract. The insurance was not included in the contract which means the contract is NULL and void due to fraud, According to the law and should be deleted and I demand compensation for damages of a breached contract for not adding the insurance, willfully and knowingly as a federally protected consumer under 15 us code chapter 41. According to Truth In Lending, a lender or creditor must disclose all necessary laws and products that are attached to the contract. * Knowingly and Willfully allowing me to send cash payments and the finance loan was fraudulent from the beginning when the vehicle was purchased. You didn't add the insurance that is a violation. 
CONSERNING THE ACCOUNT LISTED BELOW I AM DEMANDING THE FOLLOWING LISTED BELOW. THE ACCOUNT IS IN FACT INVOLVED IN FRAUD FRAUDULENT ACCOUNT SANTANDER CONSUMER USA ACCOUNT # XXXX REPORT ACCOUNT TO CREDIT BUREAU MONTHLY FOR THE REMAINDER OF FINANCE CONTRACT LOAN DATE LISTED ON THE CONTRACT FOR A POSITIVE ACCOUNT REPORTING. SEND THE TITLE CLEAR AND SEND THE CHECK FOR COMPENSATION FOR DAMAGES OF FRAUD DUE TO THE BREACH OF THE CONTRACT NOT APPLYING INSURANCE ALONG KNOWINGLY AND WILLFULLY ALSO NOT DISCLOSING THAT INFORMATION TO ME AS A CONSUMER IS A VIOLATION.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-01
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. (IL)

There has been information published on a consumer report that I never gave either company ( XXXX, Equifax & XXXX  ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the accounts below due to several violations of the law. 
The companies in question for the alleged debt are as follows : 1 ) XXXX XXXX XXXX XXXX  ( XXXX XXXX ) 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX  ( Reinserted into XXXX  )
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have been trying to address wrong information and fraud on my dredit report on accounts that been paid of by insurance company or the account was not open by me do to me being in federal custody but the creditors and credit bureau 's dont listen and respond with negative responses I even showed proof that I been at my address for 25 years and the addresses that were used to open these accounts have nothing to do with me but my proof they just ignore they cant even send me the documents I reques to show me how these accounts are linked to me I went to a lawyer who advised me to pay them and all this would go away but none of it went anywhere it only made things worse now I have to live a rougher life after 15 years in prison when all I want is for my credit to be the way it should and all these accounts that are fraud by identity theft.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have been charged for merchant services from XXXX XXXX XXXX Bank of America since XX/XX/17. These services have been canceled. I have contacted Bank of America 4 times to stop this. They have forwarded me to first data to stop this. While they agree the services have been stopped they continue to charge me and refuse to reimburse the funds I consider stolen from me.
Consumer complaint received 2021-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (CA)

I received a notification from XXXX XXXX that there had been a change to my credit report. When I looked I saw this debt I saw that it was from this collection company that I had never heard of, nor have I ever received anything in writing giving me the opportunity to dispute the debt, or verify the debt. I disputed the transaction onXX/XX/XXXXwith XXXX XXXX. This item just all of a sudden appeared on my credit report.
Consumer complaint received 2021-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (AK)

I never received anything from midland credit only way I found about the debt is that it popped up on my credit report. During my first phone call with them. I stated that I would contact a attorney if I need to but that I currently do not have one. I tried to call back to settle the debt and they would not allow me to pay. I have this on voice recording which I stated that they were being recorded before the conversation. They want written letters and would not allow me to just pay my debt. I feel as if they dont have enough info about the debt and are trying to do something shady. When I tried to pay they said no.