davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kelsting Group, Inc. (CA)

This complaint was closed as a duplicate. It is not a duplicate. This is a complaint of fraudulent charges made in my name by XXXX XXXX XXXX. My complaint against them was originally referred to the FTC by the CFPB and was never responded to. The debt was then purchased by XXXX XXXX XXXX. XXXX is a property management company. XXXX XXXX was the name of the apartments. The original amount was {$1500.00}. They added a recent unknown balance. Now the new balance is {$2000.00}. They provide no explanation for where this new charge of {$500.00} comes from. I do not see how this meets the requirement of the Fair Credit Reporting Act. I do not see why it is not being recognized as identity theft. Charges trumped-up in my name. Both XXXX  and XXXX   have recognized the account to be fraudulent and have removed the account. XXXX  continues to report this fraudulent account. I have an ongoing complaint with CFPB against XXXX  about the inaccurate reporting. XXXX XXXX   never provided any evidence of these charges or where they came from. I was sent a simple letter by the company listing many fraudulent charges in the amount in question. They claimed they were damages that did not exist. They provided no photographic evidence. This company has had several reviews of the same problem occurring. I was offered no recourse in protesting the charges. The item was placed on my credit report before I knew what happened. I have had trouble removing this fraudulent account ever since. It has changed collection agencies twice so I can not sustain a complaint. It was last Credit Bureau Associates. I have also been unable to obtain suitable housing because of this fraudulent property lien placed on my credit report. I am including the information for XXXX  as well as XXXX XXXX XXXX. Please investigate this matter thoroughly. Do not close it off as a duplicate. I asked that this matter be reinvestigated thoroughly. I will not file a duplicate complaint. This matter must be resolved. I'm on SSI. I'm unable to pay this amount. I am in danger of becoming homeless. I'm a veteran of the XXXX XXXX. If the matter is not resolved in this complaint my only recourse will be to bring civil action and contact my State 's Attorney General 's office. I would appreciate any help. Thanks so much. I attached copies of the letter to my last complaint that was marked as duplicate. I can no longer upload those documents. Please locate and review them.
Consumer complaint received 2018-08-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HONOR FINANCE, LLC (IL)

XXXX XXXX XXXX  was a company that provided sub-prime auto loans in Illinois and several other States. During the years of XX/XX/XXXX to and through XX/XX/XXXX they engaged in deceptive, fraudulent and illegal debt collection practices as they preyed upon unwitting previous customers. XXXX XXXX XXXX through the use of XXXX XXXX XXXX XXXX and XXXX XXXX ( Honor Finances General Counsel ) engaged in the practice of debt collection, on XXXX XXXX XXXX behalf, without being licensed to do so. The actions of XXXX XXXX XXXX  ( XXXX XXXX & XXXX XXXX  ), Honor Finance, XXXX XXXX XXXX XXXX   and XXXX XXXX  can best be described as THEFT by DECEPTION.

I have submitted a complaint through your department regarding XXXX XXXX, CPA and it has been confirmed by your office that he is not nor has never been licensed to engage in the practice of collections in Illinois or any other State. Honor Finance facilitated the fraudulent & illegal collections activity and under the supervision of XXXX XXXX and XXXX XXXX at Honor Finance, XXXX XXXX  would collect payments by check & credit cards and submit the funds back to the offices of Honor Finance. In many cases these payments would come in as a result of wage garnishments that were initiated by XXXX XXXX, CPA and processed by XXXX XXXX, General Counsel for Honor Finance.

XXXX XXXX XXXX  states that they have no relationship with XXXX XXXX  and that these old accounts were purchased by himalthough hes not a licensed debt collector. Given the fact that XXXX XXXX had a personal username and login to Honor Finances proprietary computer system in addition to a personal login to Honor Finances XXXX account to access customer credit reports ( PRIVATE/CONFIDENTIAL/PERSONAL INFORMATION ) and also personal logins to Honor Finances skip tracing programs, its hard to believe that he had no relationship with their companyhe spent more of his work day on Honor Finances customers than he did on his own.

All accounts, by virtue of XXXX XXXX lack of having a debt collection license, were being fraudulently and illegally collected upon. The most egregious act that these individuals perpetrated against these unwitting consumers was collecting payments and not applying them to any believed debt that they thought they owedthe funds were collected and pocketed by these individualsTHEFT! There are customer scenarios where customers cars were repossessed and sold and the sale proceeds were never applied to their accountsTHEFT!

My allegations & accusations are from first-hand accounts and Im more than willing to meet, discuss and provide any supporting information that I have. In meeting with your representative in your XXXX XXXX  office, he urged me to follow up with your office after he had a chance to review the documents I had regarding XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MicroBilt / PRBC (formerly CL Verify) (PA)

Microbilt company response XX/XX/18 that Equifax issued the request for the inquiry. It seems XXXX/Mircobilt 's is saying Skip tracing is trying to locate where a person is or the person occupation .XXXX claims every month they go off the employee employment. XXXX claims everymonth on there update. First I have a state lic for been a XXXX which the state can verify. problem is XXXX   does and can not excess state information by law if so why is it not verified by XXXX. It also seems there is fraud commited by Microbilt as XXXX pulling soft credit for no reason. I don't care about there reponse meaning XXXX/ XXXX/ Microbilt 's response due to no facts to support there response. XXXX   has been know for fraud/ breach of consumer information. I would not trust or anything XXXX responds back to as truthful due to the high deceit and lies on both parities. I have hired an attorney to look into XXXX as well as XXXX/ Microbilt because both subadaries are playing the blame game or come up with some XXXX explation to the response. Going to court can be the answer if file by my attorney to answers and filing for damages. XXXX claims by the reports they have my employment as well as when year or years. as I have from last year reports mail out with wrong spelling wrong companies month after month so there seems like a lot of errors on there part. we can settle this in court.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX, someone apply for a credit card XXXX XXXX XXXX using the name XXXX XXXX. On XX/XX/XXXX I reported the credit card aplicarion as Fraud and they were able to withdraw the application and was not granted. 

On XX/XX/XXXX, someone apply for prepaid debit card XXXX XXXX XXXXXXXX XXXX, using a different email address and set up a pin i dont use. XXXX XXXX was not able to provide email address that was used. The name that was used was XXXX XXXX. 

My personal checking account XXXX XXXX union was compromised twice, {$80.00} charge by XXXX XXXX this is a wire transfer company, fraud company.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TN)

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have r permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( 'FCRA '' ) codified at 15 U.S.C 16186 ( 0 ) 3 ( 000. Chesterv. Purvis, 260 F. sup 28711 ( S.D Ind.2003 )
Consumer complaint received 2018-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

This account is not owed by me. I previously disputed the debt and it was investigated and removed only to be sold to another debt collector a short time later. I have mailed letter and disputed the debt via the credit bureaus. This account is fraudulent and I provided proof of the dates I lived at the address tied to this account.
Consumer complaint received 2023-03-10
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. (VA)

My name is XXXX 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 2023-03-06
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. (CA)

REF : XXXX ACCT # XXXX XXXX 's has not provided the required documentation that justifies them to be on my credit reports and consumer reports. I've corresponded with them for them to reply with a letter stating this will remain on my report for 7 years, I asked for validation not proof of my current address which they only have because of the mail they've received from me. 

I also disputed it with Transunion XXXX and XXXX, and they have not responded either, Well, TransUnion said it was verified but didn't provide me with the details of the investigation on how it was verified with what information, is valid and how is it valid, this is getting ridiculous, and these companies are not adhering to the proper procedures that are required by law to my right to fair and accurate reporting. 

I will attach proof of my correspondence with XXXX 's and the letter they sent back to me after I requested validation.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

Earlier this month my identity was compromised. This thief has just about all my information and has opened credit cards and accounts credit unions in my name. I need to put a freeze on my credit report and need a copy of my credit report immediately. I have had extreme difficulties doing this with Experian and still have not been successful. 

My identity was compromised on XX/XX/2018. Since then, multiple credit cards have been attempted to be opened in my name. I believe one was attempt was successful but I am unable to find out what company the credit card was opened with because I cant access my credit report. 

I have tried to do this over the phone and online with Experian and have been unsuccessful. Also, when I attempt to access my credit report online with annualcreditreport.com I am unsuccessful because my information for the Experian section can not be verified. It is extremely imperative that I receive my credit report so I can contact every creditor on the list and notify them that my identity was compromised and that these accounts need to be canceled immediately. 
I am also unable to freeze my credit report through Experian. When I call or attempt to do so online I receive a notification that it can not be completed. My phone calls are consistently a dead-end. I need to speak with a representative at Experian as soon as possible. 

This thief also opened an online account with XXXX with my personal information, but with their email address. This has been confirmed with XXXX. The thief used my name, SSN and other personal information to create an account but used their own email address and other login information. I cant retrieve this account login information because I obviously do not know their email address or answers to security questions. I believe this is the case for Experian as well, but again, I can not get through to Experian in any way. 


Thank you in advance for your help.
Consumer complaint received 2018-08-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (GA)

XXXX XXXXXXXX XXXX XXXX is reporting a fraudulent account I do not owe. also In the state of Georgia Collection of Debt on Account 4 yrs. 9-3-25 According to the FCRA the Time limit begins 180 day after the first delinquent payment FCRA ( c ) Running of reporting period. 6 ) ( 2 ) ( 1 ) In general in paragraphs ( 4 ) and ( of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. ( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NH)

I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. Various credit cards I owed on could no longer be paid upon. One of those is the account I am requesting a reasonable settlement on, along with a heart felt explanation of the facts surrounding my own financial hardship. I therefore request XXXX/XXXX to submit a reasonable settlement to my account with them, something in the range of {$2000.00}. I do not have the desire to file a personal bankruptcy if necessary, but I would hope that could be avoided. I request an offer in compromise in written form only over the next ten business days.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I tried to contact Bank of America concerning a credit check on my account. They would not help me as I do not have any BOA accounts. 
The credit entry was done on XXXX/XXXXXXXX
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

In accordance with the fair Credit Reporting Act XXXX 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 a 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 an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I opened a Secured Platinum Credit Card with Capital One Bank around XX/XX/2022. I sent in a {$750.00} Security Deposit to Open the account. The Deposit of {$750.00} was sent to Capital One in Check Form from my XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX I never received any credit card from Capital One Bank just a run around as to what the status of the account was. My personal banker at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX confirmed that Capital One Cashed my {$750.00} Check. I was then told in XX/XX/2022 that Capital One had closed my account due to they felt that I was a fraud. I want to go on record that I have deposit accounts also with Capital One and this credit account is still showing on my account ( Capital One Application ) as restricted with {$750.00} in it. I have reported this to problem to the Executive Office of XXXX XXXX and various other Managers at Capital One and still have not received a refund of my {$750.00}. Please help me get my {$750.00} that Capital One has had illegally for a year. The Platinum Credit Card account ends in XXXX
Consumer complaint received 2023-03-08
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. (NM)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-03-05
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: EQUIFAX, INC. (CO)

On XXXX XXXX XXXX I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-23
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)

The following account has been reported as a collection and was reported incorrectly. Please have credit bureaus to remove this, thank you : Please remove promptly. Thank you for your prompt attention. 

This is what I received : -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX, " XXXX '' XXXX Sent : Tue, XX/XX/2018 at XXXX XXXX Subject : XXXX ( XXXX ) XXXX URGENT [ ref : XXXX : ref ] URGENT Per client request, please close XXXX dos XXXX and XXXX with collections. The client sent the wrong insurance and per the VA, the patient isn't responsible.
Consumer complaint received 2018-08-24
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: Experian Information Solutions Inc. (GA)

I need help regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX & XXXX   ( Experian : XXXX ) XXXX ( Experian:XXXX ) XXXX XXXX XXXX ( Experian:XXXX ) XXXX XXXX ( Experian : XXXX ) XXXX XXXX XXXX ( Experian:XXXX ) XXXX XXXX ( Experian : XXXX ) XXXX &  XXXX ( Experian ) 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 : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX  : XXXX  ) XXXX XXXX XXXX ( XXXX XXXX : XXXX ) XXXX XXXX & ( XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX- : xX ) XXXX XXXX ( XXXX : XXXX ) XXXX ( XXXX : < ) XXXX  XXXX ( XXXX  : XXXX )
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

Step 1 : What is this complaint about? Step 2 : What type of problem are you having? Step 3 : What happened? Step 4 : What company is this complaint about? Step 5 : Who are the people involved? 



-- -> XXXX XXXX XXXX  - The Experian website through XXXX is ENtirely unclear. I was reviewing a web version but was unaware, that I would not be able to access it again, and that I'd need to print a hard copy to review it later. I closed the Experian web version of my XXXX XXXX XXXX, and am not able to get a copy easily, and/or go back to it. Experian ( or perhaps XXXX, it's NOT clear ). I believe that the website designers could/should address this issue - the site should prompt individuals that they are reviewing it electronically and will NOT be able to access it again, OR BETTER, offer the option to view electronically and/or print a copy. 

Super frustrating