davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-31
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Auto Trakk, LLC (NC)

The has been in the repair shop sine the beginning of XXXX I explained that i will have to pay for this care to be repaired and had to pay for rentals in the beginning. They stated they can only offer me an extension. I explained it is a hardship right know not having my car and I have to save the money when it is ready. The call me 6 times a day back to back it is XXXX and they Just called and left 2 messages. the car is already disabled I do not understand what they want me to do. I have answered them via email I do not want to talk because I am at work I told them to contact me via email. Harassing needs to stop until I have my car returned or they need to contact me via mail and email. 
Autotrakk which I pay weekly Thank you
Consumer complaint received 2023-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (PA)

A fraudulent collection notification was placed on my credit report by Credence Resource Management ( XXXX ) for a charge of {$300.00} from XXXX. I contacted all three credit reporting companies and was told to contact the collections agency. When I contacted Credence, I was told to provide an address or the last four digits of my SSN. When my address couldnt be confirmed, I was asked for my last four digits of my SSN. When I would not provide the info., the male rep. became annoyed and told me he was citing in notes that I was unwilling to provide information.
Consumer complaint received 2019-01-01
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: CITIBANK, N.A. (FL)

On XX/XX/18 XXXX XXXX XXXX ran my credit report unauthorized I have an hard inquiry because of this I contacted all three credit bureaus to investigate with no response on several occasions.This has created a hardship to improve a better credit score and stress on my family I am a single mother of XXXX in desperate need to improve my score per FCRA guidelines per my attorney you have to remove this inquiry for I don't recognize this.
Consumer complaint received 2023-08-02
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-08-02
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. (AL)

By the provisions of the Fair Credit Reporting Act, I demand that XXXX XXXX XXXX be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX In acgesdance with the fair credit Resort 995 act XXXX  Account XXXX XXXX XXXX, has violated ny rights. Find related content Search 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragra the term " consumer report '' does not include + any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 789 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 Please remove this account immediately
Consumer complaint received 2023-08-02
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: JPMORGAN CHASE & CO. (CT)

I am writing to inform you about a dispute involving a banking institution that requires your assistance. I seek your guidance and intervention in resolving the matter expeditiously. On XX/XX/2023, I had an unfortunate experience with Chase Bank, which has prompted me to bring this issue to your attention. The incident in question pertains to unauthorized charges on my account after payment was rendered in cash to a business. I provided proof to Chase bank that this transaction was paid in cash, and my debit card should have not been charged double. This situation has caused significant inconvenience and financial hardship, compelling me to seek a resolution through your esteemed organization. Despite my repeated attempts to address this matter directly with the bank, I have not received a satisfactory response or a timely resolution. I firmly believe that my concerns have not been adequately acknowledged nor diligently investigated by Chase Bank. Therefore, I kindly request your intervention to ensure a fair and impartial review of the situation. To provide you with a comprehensive understanding of the issue, I have enclosed the necessary supporting documentation, including copies of relevant bank statements, communication records, and any other pertinent documents that will aid in a thorough examination. I trust this information will assist in a prompt and fair assessment of the matter. Given the circumstances, I kindly request your immediate attention to this dispute. I sincerely hope that your intervention will facilitate a fair and just resolution for all parties involved. I have confidence in the abilities and expertise of the Consumer Financial Protection Bureau ( CFPB ) in handling such issues, and I believe your intervention will restore trust and rectify the situation appropriately. Thank you for your time and consideration. Yours sincerely, XXXX XXXX
Consumer complaint received 2023-08-02
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 (NJ)

Several disputes have been submitted to the credit bureaus but no resolve for items : Wells Fargo Account # XXXX the accounts were opened in XX/XX/2016 should have fallen off by now, it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. 
The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. 

XXXX XXXX Acct # XXXX - Opened XXXX is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. 
The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. 

XXXX XXXX - Acct # XXXX- Account is paid in full and still showing late on my credit report.
Consumer complaint received 2018-01-08
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. (LA)

I 'm not sure what 's going on. I 've been submitting disputes to the credit bureaus for the past eight months. They do not respond to me and are obviously not initiating my disputes. I 'm not sure what 's going on. I KNOW these accounts that are reporting are inaccurate. I 'm just trying to express my rights as a protected consumer and ask the credit bureaus to investigate. Why are you not investigating my disputes? Can you legally just ignore my request like that? I 've also tried disputing with the collection agencies asking them to send me a medical release form because i 'm more than 100 % sure i 've never given them permission or access to my personal medical information. I 've spoken to a consumer right 's attorney and he 's telling me that i have a case, do i? I 'm asking the credit bureaus to please investigate these inaccuracies. This is causing me major stress. These collection agencies do not have my permission to have my medical information, PLEASE remove!!! 



XXXX Opened XXXX XXXX, XXXX {$1300.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$1200.00} Original creditor : XXXX XXXX XXXX LA XXXX XXXX Opened XXXX XXXX, XXXX + {$100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$500.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$310.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$290.00} Original creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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. (AL)

These companies are violating my rights under 15 U.S.C 1681 section 602 A States I have the right to privacy, .under 15 U.S.C 1681 section 604 A it's also states that a consumer reporting agency can not furnish a account with out my written instructions..15 U.S.C.1681c ( a ) 5 section States no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse items of information other than records of conviction of crime which antcates the report by more than seven years..15 U.S.C 1681s-,2 ( A, ) ( 1 ) a person shall 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 2023-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WV)

My son was contacted about a computer he was selling and was convinced to install XXXX on his High school checking account that is attached to my chase bank account. The person said that he needed to send him XXXX to receive the payment. After he did this the person blocked him in messaging, I attempted to contact the phone number the individual had listed and a female claimed to not know what XXXX even was. I contacted XXXX in which they said there was nothing they could do, contacted Chase Bank Fraud dept who closed the case and claimed it was not a form of fraud.
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CO)

Alleged debt collection attempt by XXXX XXXX XXXX. Through XXXX XXXX, a creditor named " HUNTER WARFIELD '' assumed the debt. Though it is unclear if the debt was sold first, or owned originally by a foreign entity, it is absolutely an invalid debt. While I am a resident of the city and state of the stated debt, I believe the company or creditor, Hunter Warfield, is attempting to collect a debt owed by someone with a similar or same name as myself. At the time of the stated occupation, I was living in an apartment complex on the opposite side of town. This can be verified through rental agreements, utility statements, etc. While I am not contesting the validity of XXXX XXXXXXXX XXXX residing at XXXX XXXX XXXX  I AM contesting, with extreme prejudice, that the aforementioned XXXX XXXX is not the same person as myself. I have attempted to dispute this debt directly through the creditor, through XXXX XXXX, XXXX XXXX, XXXX XXXX, and several others over the courese of the past 5 to 6 years, i have been unsuccessful. This is my only option, and have suffered extreme financial and residential losses due to this oversight. Though my complaint may fall short of succeeding in helping myself, i have hopes that others can learn to protect themselves from the surreptitious collection attempts by an unqualified debtor on an honest working class citizen. please, help me or advise me of my rights and a prudent course of action. Thank you in advance, XXXX XXXX. 

creditor : Hunter Warfield account Number : XXXX
Consumer complaint received 2023-08-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC (FL)

I received two separate billing statements, one week apart. First statement was for a home improvement loan for {$50000.00}. Statements included a signature form to authorize them to setup automated clearing house withdrawals after completing the required banking information. I contacted them numerous times to straighten the matter out but they refused to discuss the matter unless I provided additional very detailed personal information, i.e. DOB, SSN, etc. 
Coincidentally, my husband received a similar statement from the same company indicating he had also taken out a home improvement loan for the sum of {$43000.00}. 
Neither I nor my husband have applied, received or requested a home improvement loan from anybody. 
The name on the statement is my former name from a previous marriage. 
This is a scam!
Consumer complaint received 2023-08-02
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. (GA)

It has been drawn out into the open that you are not hindering items 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 you decide to not obstruct the accompanying items 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. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX
Consumer complaint received 2018-10-16
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)

There are 3 loans reporting on my credit report in the amount XXXX, XXXX and XXXX. They are reporting 90 days late when these loans were suppose to have been in deferment. Ive spoken to several representatives about this issue and nothing has been done about this inaccurate information being reported on my credit file.
Consumer complaint received 2023-08-02
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. (TX)

These following accounts furnished my information without having my written consent and according to the Fair Credit Reporting Act I have the right to privacy. please delete the following accounts from my credit reports immediately : 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 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
Consumer complaint received 2023-08-02
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-08-02
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: Experian Information Solutions Inc. (TX)

I Reviewed my credit report and noticed Inquiries that I did not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. ()

These are the hard inquiries ( & dates ) that are not made by me : XXXX. XXXX XXXX XXXX XXXX XXXX. TXXXX 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 Also, I have never opened any account with XXXX, XXXX, and XXXX XXXX XXXX. My credit report shows accounts with these banks that needs to be removed. Please see attached list of accounts that are not mine and showing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-02
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. (NJ)

By the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. They never got my written consent to furnish my information.
Consumer complaint received 2018-08-08
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. (LA)

I decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately.
Consumer complaint received 2023-08-02
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct Name Acct # 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.