davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (IL)

Upon checking my Complaints # XXXX, XXXX, and XXXX, I found out that it was closed last XX/XX/XXXX. Again, it has been drawn out into the open that the 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the list of unverifiable items found on my credit report : XXXX XXXX Balance : {$1400.00} ; XXXX, IL XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2020-05-31
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. (NY)

On my report from XXXX XXXX XXXX. I've notice that an account under the name ; XXXX XXXX credit is currently reporting on my Experian Credit report, with no past due balance, no original creditor name & address, payment history, doesn't not identify whether or not if the account has been sold or transferred. All multiple inaccuracies and violations committed under FCRA rules section 1681 and violations of the FDCPA section 809b
Consumer complaint received 2020-05-31
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. (MO)

My name, my credit files, and my integrity all has been compromised by either theft, the dark web, Equifax breach, or the lost of my identity when my wallet stolen. I've summoned the credit reporting agencies to produce A Method Of Verification to show cause of their reportings. Never once have I received any physical documentation of these unknown and unauthorized accounts. But for some reason the credit reporting agencies relay on electronic verification, when XXXX " As a general rule of law electronic verification can not be accepted as proof. I demand that the following accounts be removed and blocked from my credit files. 

XXXX ) XXXX XXXX {$120.00} XXXX ) XXXX XXXX   {$1800.00} XXXX ) XXXX XXXX  {$340.00} XXXX ) XXXX XXXX XXXX {$1100.00} XXXX ) XXXX XXXX {$260.00} XXXX ) XXXX XXXX   XXXX {$61.00} XXXX ) XXXX XXXX XXXXt XXXX ) XXXX   XXXX XXXX  XXXX NA XXXX ) Dept of ED/ XXXX {$56000.00} XXXX ) Dept of ED/ XXXX {$31000.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act XXXX as account # XXXX has violated my rights. 

15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 Section 604 A Section 2 : it also states consumer reporting agency can not furnish a account without my written Instructions 15 usc 1666b : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
Consumer complaint received 2020-05-31
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LoanCare, LLC (TX)

My mortgage ( Lender ) " '' XXXX XXXX  Attn : Consumer Solutions Department XXXX XXXX XXXX XXXX  XXXX, VA XXXX A.K.A MyLoancare.com '' '' has allegedly approved me for a forbearance however a statement sent to me advised that i am two months behind and according to previous terms ; that constitutes for Credit impact and a potential foreclosure. I have attempted numerous times to fix the problem with the lender However i keep getting the round around no one gives me an answer and my statement yells late and foreclosure. I have asked them to update my statement however they refuse. I am seeking assistance as their practices are misleading and are impacting my wellbeing making me thing I will be without a home. Please assist me in getting them to fix their statements at this point I do not know if I have been approved for a forbearance due to I have been financially impacted by Corona Virus.
Consumer complaint received 2022-10-19
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. (IL)

My complaint is against XXXX formally known as XXXX. They have placed erroneous information on my credit profile that I have been disputing with them directly as well as the Credit Bureaus. Today I received an email from them claiming I owe them a debt and have a right to dispute it. However, I have already been disputing this debt since XXXX of 2022. This account came to my attention in XXXX. 2022 as a charge-off showing up on my credit reports. I have sent written letters as well as emails to them awaring them that this account was open fraudulently and that I have no knowledge of this debt. I was told in response that I would have to dispute with the credit bureaus and with the FTC and they would follow-up with an investigation. I emailed them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As well as filing a report with the Federal Trade commission. I delivered the reference number of my report to them ( # XXXX ) via email. Nothing has been done about this. In addition I have pulled my credit report and the data furnisher has violated my consumer rights in accordance with the FDCPA. the data furnisher has failed to mark my account in dispute status, as well as failure to conduct a full and thorough investigation. I have the right to and accurate credit profile. I want this account removed from my credit profile immediately.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

XX/XX/2022 there was a fraudulent transaction of {$1600.00} made on my discover account that I didnt notice till a month later when I went to go pay for that months bill cycle ( XX/XX/2022 ). I was upset that I didnt notice because I have texts and notification alert for every purchase I make for this card and for that purchase I didnt get a single alert. I called Discover customer support and was set up for a fraud dispute. The transaction was taken off my account XX/XX/2022 and I wasnt reminded of it again since then. XX/XX/2022 I go on my Discover account to make a payment when I notice my balance was too high, and for me to notice that transaction was put on my account again on XX/XX/2022. I called there support the XXXX & XXXX of XX/XX/2022, and was told that the dispute was not in my favor because of my activity behavior with XXXX after I got my card replaced, which makes no sense since I never use my discover card to make such large purchases on XXXX. If discover made a true investigation, they would have noticed that Ive only used my discover card once this year to make a single transaction on XXXX of a total of {$58.00}. Any other time was the monthly subscription for XXXX XXXX. XX/XX/2022, the fraud case is being opened up again, I told the person on the phone that I believe my card might of been skimmed at a gas station and that I have to provide some sort of proof. The only evidence I can provide is the invoice of that single XXXX transaction that was made XX/XX/2022. Im extremely confused as to why Discover think that purchase was made with my XXXX account in the first place since I wasnt told if the merchant even confirmed with my information or even my address of Residence. This a poor work of investigation on Discover side.
Consumer complaint received 2022-10-19
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. (NC)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2022-07-14
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. (HI)

Hello there, I have tried filing a dispute many times with Experian to have an incorrect address removed from my Experian credit report and somehow an incorrect address is always shown on my credit report despite the fact that my creditors like students loans has my correct address on it when Experian tries to contact the credit lenders and have my dispute solved my issue with the correct address. Other than that, I hope to have my issue solved as soon as possible so my credit report shows my correct address since I have moved. Attached below is a PDF of my bank statement which shows my correct address on it.
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NC)

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (MO)

In Accordance with Fair Credit Reporting act. The listed accounts below has violated my federal proctected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish without my written instruction 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (CA)

XXXX XXXX amount XXXX i tried to communicate that this debt isn't mine but they will not respond XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX I communicated to the bank that i am a victim of fraud and this isn't my account XXXX XXXX this account is not mine i was a victim of fraud and i told the bank but no action was taking XXXX XX/XX/XXXX XXXX XXXX  o told this company i never had a car loan from them and that my name and id was compromised and theft will not take action XXXX XX/XX/XXXX XXXX XXXX  does not belong to me someone used my identity to open this account and i called and tried to take action but theft didn't do anything to rectify this matter.XXXX XX/XX/XXXX. 
southwest credit system this account do not belong to me it was opened in my name without my permission XXXX XX/XX/XXXX
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc. (WA)

Wisely was the card of choice with XXXX XXXX XXXX and this organization was the only way that I was able to get my paycheck when I first moved over to XXXX XXXX XXXX XXXX The XXXX XXXX XXXX. 

It is my belief that due to the proximity of this shelter to organizations such as XXXX that this became a common piece of mail with a unique senders address that they became very familar with recognizing. 

Issues that I ran into at this address as well as XXXX XXXX XXXX XXXX include : holding the mail, the use of social engineering to allign purchases of goods and/or services with people, places, or things with ties to the organization for some level of evaluation that was used in the placement of social services, housing, or benefit review without the consent of oversight to monitor for abuse, neglect, or misuse of these types of tools. 

Often did not have the consent of the consumers whose credit this impacted and often did not care as most of them they would disable and then use incidents like this to ruin credit or banking opportunties to " burn '' the consumer from any future of having access to these types of tools. They do not allow consumers to foward their own mail from the post office but instead require the consumers to goto the shelter in order to pick up their mail. They do not notify the senders that the receiptants have moved. In some cases they call the vendors, banks, or other organizations posing as the consumer themselves in order to reverse engineer their accounts, gain intelligence on the consumer, and do things to wreck their consumer credit score. It is well known that they employ former vetrans and those in lower level security jobs like XXXX XXXX XXXX to act as agents tio gain intelligence on these consumers.
Consumer complaint received 2022-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TX)

XXXX XXXX XXXX  as of XX/XX/2022 : {$650.00} Debt does not belong to me, and AmSher Collections Services needs to stop with the harassing phone calls.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NH)

Scam on XXXX XXXX  involving zelle. Buyer asked to zelle me for a product. Stated they have a business account and needed email. They said they sent money and I received emails that they sent it and the email stated they needed to send XXXX more to make it a business account. They said I would need to send the XXXX back once they sent the money. I sent XXXX $ to them when I received the money. When I got the email that they sent it I send the money and never received any payment in my account.
Consumer complaint received 2020-11-07
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. (NY)

Dates : XX/XX/XXXX/ Amounts : {$180.00}, {$3100.00}, and {$38000.00}. Fraud Affidavits for all accounts were sent to the company and credit bureaus. Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Fraud Affidavits were sent to the company and credit bureaus and asked for application on file and authentic contract.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (VA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-30
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 — Their investigation did not fix an error on your report
Company: CNG HOLDINGS INC (PA)

This purchase took place on XX/XX/XXXX at XXXX XXXX  XXXX. I was told by the clerk, XXXX, that the company was involved with a sleep study funded by a federal grant. I was told that if I agreed to participate in the sleep study I could get my mattress purchase significantly discounted, so I agreed. I was charged {$300.00}, paid with my debit card, and had a queen size mattress, box spring, and frame delivered the same day. I never signed anything stating that I would pay more than the {$300.00} I was charged. 

Months later I began receiving text messages from WhyNotLeaseIt. Although I did not know what the company was or why they were contacting me I did not look into it any further. When the calls began I was completely flabbergasted because I never agreed to pay {$1900.00} for that mattress. 

I tried disputing the charge with WhyNotLeaseIt in XX/XX/XXXX. I sent in a copy of my receipt but was told that it was not valid because it was not signed. However, the attached credit terminal receipt states that there is no signature required. I tried to go directly to the merchant but since then XXXX XXXX  XXXX has closed permanently. After closing, the same location was called XXXX XXXX at one point, but is now closed as well. I tried emailing at the address printed on the business card, but the email could not be delivered because the address is not valid. 

The account was being collected by XXXX XXXX and I have tried to dispute the charges several times with all three credit bureaus. I received so-called proof that I owned the debt in the form of an electronic signature with only my initials in lower-case, " XXXX ''.
Consumer complaint received 2023-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (OH)

After reviewing my credit report I found an entry on the report from a debt collector which goes by the name of DIVERSIFIED ADJ SVCXXXX. Their address is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Their phone number is listed as XXXX. The original creditor is from XXXX. 

I would also like this same complaint to be sent to XXXX XXXX XXXX XXXX. Their address is XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, NY XXXX company is also listed on my credit report. There phone number is XXXX The original creditor is XXXXXXXX XXXX I was informed by a man from XXXX XXXX, which is a company that assists consumers correct inaccurate information off of their report, that a DEBT COLLECTOR can not collect this debt. He actually informed me that this practice of trying to collect this debt in their name is against the law, UNLAWFUL. 

I would like a response from this company justifying by law and preferably through the FAIR CREDIT REPORTING ACT. How their actions are justified. I am also demanding that it be removed from my credit report. I would also like to know who and the Credit Reporting Agencies allows this information on the reports and how it gets added to consumers reports. Who grants the authorizations to be placed on consumers reports.