davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (MD)

I sent you a letter last XX/XX/2022 but i haven't got any response from you and according to the FCRA you are required to response within 30 days
Consumer complaint received 2022-12-06
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: Synovus Bank (MN)

XXXX provides an option to dispute. 
These options are listed in drop-box format. 
However the options that I chose to use are not being reported fairly by experian. Instead experian chose to state or use terminology as a method of choice " address dispute '' in which is not my choice for dispute, nor is not an option in drop down box. I believe this is fraudulent in its inaccuracy to help the creditor win over in my case.
Consumer complaint received 2022-08-24
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. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2014, XXXX CO XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

I keep getting over 5 calls daily, today I get a message from my brother in law that he got a voicemail from the same company attempting to reach me, they have called me on weekends, holidays, outside of normal hours XXXX to XXXX. This company keeps harassing me. According to the consumer laws and regulations a company shall not call more then 7 times in a week span they are definitely going beyond that, pictures have been uploaded I can go ahead and provide a log from my phone company upon request!
Consumer complaint received 2022-12-06
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: The CBE Group, Inc. (MN)

Disputes provided by credit bureau XXXX are not allowing proper or legitimate use of it product. XXXX has a process in drop down box format with options whichever best describes your issue as choice option. Not one option listed states " address dispute '' but however XXXX is stating to the creditor that I am disputing my address. I am not disputing my address but I am disputing an identification process in which the creditor can not prove identification such a simple state i.d document or license verification. However XXXX is ignoring my request for an identification request from the creditor which violates my FCRA rights.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

On XX/XX/2022 I made a purchase at the Best Buy location in XXXX, XXXX. The store address is XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). I walked in, asked to purchase a pair of XXXX XXXX XXXX XXXX XXXX. The female associate asked for my phone number and I gave it to her. She then confirmed my name and told me the total. I inserted my bank issued credit card and left the store. Afterward, I received an email from XXXX XXXX saying there was a hard inquiry from Best Buy and their issuer, Citibank XXXX. I noticed the inquiry in my dashboard, and also saw that my score for XXXX had dropped XXXX points. First, BestBuy was contacted and instead of being helped, the call was left on hold for 30-40 minutes. I proceeded by calling CitiBank, and they said I have to contact the Best Buy Credit Card number. I then contacted the number they gave me and requested for them to contact the bureaus to say that it was fraudulent. I was then told to contact the bureaus directly, and was given their phone numbers. I proceeded to contact XXXX, and was unable to get in touch with anyone and their automated system does not allow reports of disputes. I also tried to go online to report and was told that I am unable to do so online after creating an account. I am trying to resolve this but I am being given the run around for something that should have never happened - I was never asked at any point if I was interested in applying for a card, I was never told I was denied, and I'm appalled that one of the biggest electronics retailers is allowing their associates to conduct fraud.
Consumer complaint received 2022-09-29
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-24
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

I am disputing the validity of this alleged debt. I have not now nor have I ever been in contract with JEFFERSON CAPITAL SYST. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money. I received a notification from both XXXX and XXXX showing the aforementioned as reporting this information with a " balance '' of : {$1300.00}. I am asking JEFFERSON CAPITAL SYST to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations. I also demand JEFFERSON CAPITAL SYST to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so. Any continuance or disregard to this notice will be deemed as direct violation of federal law as I am a Federally protected consumer and will also file suit for defamation of character.
Consumer complaint received 2022-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (CO)

On XX/XX/22 I reached out to net credit to attempt to change my bank account information and to request a different due date. I tried to make payments from a debit card while waiting to make changes to my bank account, I was informed by an employee that in order to make payments I needed to first update my checking account information. On XX/XX/XXXX the change was official, but by that point I was severely late on my account. It has been a struggle trying to make payments on a timely manner, due to their ridiculous policies. Ive requested several times to switch my due dates so I can get caught up, but each time Ive been told that because my account is past due their hands are tied. This company sets people up to fail. They also dont have the appropriate information on the loan documents and are not actually authorized to provide loans in the state which I reside. I had to submit a copy of drivers license and proof of residence, and at that point the company should have not authorized the loan. Because they are a predatory lender they do not care, and now my credit has taken a hit and their hands are tied because Im past due. They should not be able to report on my credit if they are a fraudulent loan.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

On XX/XX/XXXX, I submitted a letter to the United States Bankruptcy XXXX XXXX XXXX XXXX  requesting proof that they furnish bankruptcy information about consumers to CRA 's and on XX/XX/XXXX, I received a letter back from the court stating, " It is not in the policy to report to any credit reporting agency ( CRA ). Back in XXXX I begin submitting complaints to Lexis Nexis about an alleged bankruptcy that was reporting to my consumer report. By the end of XXXX, I was assured by customer service representatives that work for Lexis Nexis that this alleged bankruptcy XXXX was no longer being furnished to my consumer reports or in my consumer file. In XXXX of XXXX I submitted a complaint to the attorney General of XXXX  informing them of the " fraudulent '' and " alleged '' bankruptcy XXXX that was being furnished to my consumer file. On XX/XX/XXXX I received a notice from the Attorney General 's office of XXXX  that this complaint was sent to you and that your corporation had XXXX  days to respond to me. Throughout the year of XXXX, I consistently called and requested copies of my consumer file that showed that this alleged bankruptcy was not being furnished to my consumer file. 
However, my most recent consumer reports and consumer file show that XXXX XXXX is in fact furnishing this fraudulent information to my consumer reports and consumer files without permissible purpose which is a violation of my consumer rights! 
The alleged bankruptcy XXXX that is being furnished to my consumer reports and consumer file, is not only inaccurate but according to the FCRA XXXX unlawful and violates my right to privacy according to 15 USC 1681 a ( 4 ). According to 15 USC 1681 a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect for consumers right to privacy which XXXX nor this third party has done! 
Not only is this account being furnished to my consumer reports illegally but this account does not follow XXXX reporting guidelines/standards when reporting any information that is furnished to a consumers consumer report. 
Please see the attached letter that was sent to the third party listed in addition to my consumer report which shows the violation according to the FCRA and XXXX compliance standards.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im XXXX they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am XXXX The problem has not been resolved. my fico has me at a credit score over 709 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc  and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I checked my credit report and noticed XXXX is reporting student loans on my credit report as duplicates and I am not responsible for this error and would like this information corrected as soon as possible as it has affected my credit score and ability to move forward with my life decisions and purchases!!! I am submitting this complaint with your company as a reference to do my due diligence to correct and remove this matter!!!! I have asked them to provide me with authenticated documentation which they have not!! This is morally devastating and wrong to all citizens being vastly affected!!! I want an outcome and a favorable one at that!!
Consumer complaint received 2024-09-03
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. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/scrub>XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-18
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (NH)

On XX/XX/XXXX I noticed XXXX small charges come through on my Capital One credit card. I called Capital One to let them know these were not my charges and Capital One forwarded my call to a scammer. The scammer said he was from XXXX and that my identity was compromised. I called the Capital One phone no. that was on my Capital One credit card. I was scammed out of {$250000.00}. 

I have attached the Capital One statement for XXXX. I have circled the XXXX small charges that came through on my credit card on XX/XX/XXXX that I called Capital One a out. It doesn't look like they were removed.
Consumer complaint received 2022-09-29
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. (FL)

CFPB + Equifax, On my XX/XX/XXXX credit report it shows I have a 30 day late payment on my car loan - this is inaccurate as I paid on time - and would like this fixed. 

Attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - my XX/XX/XXXX credit report showing it currently says it was 30 days late on XX/XX/XXXX.
Consumer complaint received 2022-12-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Auto Lenders, Inc. (FL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL AUTO LENDERS, for committing identity theft. I have never given NATIONAL AUTO LENDERS, 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 not validated any alleged debt with NATIONAL AUTO LENDERS and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving NATIONAL AUTO LENDERS any right to collect on this alleged debt.

I have never received any documentation requesting validation from NATIONAL AUTO LENDERS, 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 NATIONAL AUTO LENDERS, 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 15 U.S. Code 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 NATIONAL AUTO LENDERS, 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 NATIONAL AUTO LENDERS, continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL AUTO LENDERS, 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 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.