davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ideal Collection Services, Inc. (FL)

XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious IDEAL COLLECTION SER XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX
Consumer complaint received 2024-08-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: American Credit Acceptance, LLC (MD)

In regard to ACAs response to my previous complaint XXXX XXXX : I strongly dislike that ACA is focusing on the past due amount on my account instead of the actual issues at hand. I would not be past due if the contract was not fraudulent. I am a victim of auto fraud and discrimination from XXXX XXXX XXXX XXXX  this should be enough for the loan company ( ACA ) to thoroughly investigate and protect me as well as their assets. 

ACA is stooping as low as not honoring key evidence that puts both them and XXXX at fault. We both have the loan denial on file stating I was not approved for financing on XX/XX/year>. I have advised both ACA and XXXX that this is fraudulent ( spot delivery ) but no action has been taken as far as voiding the contract. Both ACA and I have the loan denial documentation but ACA is refusing to honor the document. As Ive previously stated, I am not liable for this debt and the contract will need to be reviewed and voided. I am still seeking compensation for the damages and emotional turmoil this has caused. I have been fighting with both ACA and XXXX for nearly four months when the loan was not approved in the first place. 

Please examine why Im stuck in a contract that was not approved? How does that work? Why would the company blatantly IGNORE my concerns for any other reason than to keep me in this phony agreement? Ive shared plenty of documents with ACA and have not received an helpful resolution yet.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus have failed to follow the FCRA laws as defined under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX, as defined under 22 U.S.C. 7102 ( 12 ), per the qualifications for blocking adverse credit information according to 12 C.F.R. 1022.142 ( see attached rule ). Because of their actions not taking place in the allotted amount of time, I am suffering. Please investigate these bureaus. They acknowledge receiving the complaints but fail to block the information without any reasonable cause. They had 5 business days to request any additional information and they have not complied. The date stamped on my previous CFPB complaint indicated they acknowledged receipt of my complaint on XX/XX/year>. Today is XX/XX/year> and they have not responded which is a violation.
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Bread Financial Holdings, Inc. (FL)

Pay Pal Credit issued a fraudulent credit card in my name that experienced more than {$1500.00} in charges, yet I only learned this after seeing their ( fraudulent ) Credit Inquiry on my XXXX Credit Report. The Consumer Financial Protection Bureau ( CFPB ) facilitated my request last year ( case number ending in XXXX ) that fraud be acknowledged, the account closed, and the XXXX inquiry be removed. 
Although Pay Pal Credit and their legal counsel mailed letters to my home with a promise to remove the Credit Inquiry, they failed to do this. Credit Reports have been pulled twice and XXXX insists Pay Pal Credit must submit a request directly to them. Pay Pal will not provide written evidence to me, nor resubmit their electronic request to XXXX. Instead, they insist I file " another official complaint '' to a XXXX address. 
I did not initiate a request for credit with them and am uncertain of information originally used to commit the fraud.I find it unreasonable to ask someone with no prior established-business relationship to submit sensitive personal information ( such as SS # and date of birth ) to a XXXX XXXX. 

Instead, I am again requesting CFPB assist in the removal of their fraudulent Credit Inquiry, negatively affecting my XXXX credit score.
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CO)

XXXX XXXX Mortgage sold my home loan to Specialized Loan Servicing ( SLS ) in XXXX 2016. In the process, SLS did n't get my insurance information and did n't pay the premium from the escrow balance. SLS sent me a notice and asked me to upload a copy of the insurance. I did that around XXXX XXXX, 2016. At that point, I understood that the problem was solved. However, apparently the insurance premium was never paid ( from the escrow balance ) and the insurance company cancelled the policy. I was n't aware of this. Meanwhile, SLS went ahead and purchased new insurance for me without telling me. ( I guess they sent me a letter but they did n't call me ). The new insurance was {$2200.00} per year. The insurance I bought was {$1000.00} per year, so their insurance was {$1200.00} per year more and my escrow payment went up {$100.00} per month. I had automatic payments set up and was {$100.00} short on a few payments. They put my account into delinquent status and they dinged my credit report. 
All of this resulted from SLS 's failure to get my insurance information from the other bank. Nobody called to let me know. I 'm getting screwed by SLS. Please help!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GOLDMAN SACHS BANK USA (MA)

XXXX  XXXX XXXX credit card from XXXX is showing up on my credit score for XXXX XXXX I had a card from XXXX XXXX XXXX last year for XXXX $ that I never used and canceled. My XXXX  credit account is all messed up because of identity fraud. I keep freezing my account but these people opened an account with XXXX which is also on my credit but I have XXXX. I can't call any of these companies because my phone calls get ported and I never know who I am speaking with. I also have a XXXX card that was opened last XXXX and was paid off but it says I still owe a payment and now I have just seen XXXX XXXX for Apple Card which I disputed because I paid the card off completely 4  months ago and it's showing two Apple cards... I don't know what to do this all started last XX/XX/XXXX and I actually canceled the XXXX account but someone opened and paid to have the premium account reopened so in my opinion they can somehow manipulate what is on my credit report. Since last year my credit score has dropped XXXX points, I've had to close out all my bank accounts twice. XXXX recently just gave me a new phone because of all the coding that was in it from hacking. I can't keep an email address without it getting hacked including my work email.I work at a college and found a hidden voicemail last week about my student loans which I don't have. I have had my unemployment from state of XXXX opened twice and I've contacted authorities, FTC, and I was told by XXXX to go to the FBI.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute an incorrect address that appears on my Equifax credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 

Incorrect Address : XXXX. XXXX XXXX XXXX XXXX, XXXX CA XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file. As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NM)

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.

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 XXXX 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 2017-05-18
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: Experian Information Solutions Inc. (FL)

XXXX ,  XXXX , and Experian are reporting inaccurate creditors and inquiry in my credit profile. I have called every single credit bureau to have them remove the inquiries that were not done by myself have been there for more t han two years and they have not removed them from my credit file.    They are also reporting accounts that have been removed from my files and then reinserted back into my profile. I just spoke with a lady on the phone from   XXXX    and she states that she can not remove any inquiries even if they are fraudulent, so what they are telling us is that anyone crooks can now go ahead and use our identity and it is ok.   they have taken more than 30 days to send my review and most of the time have no respect for the consumer. I am so fed up with the  XXXX  from these companies ruin lives and only pay attention to customers that are paying them monthly for them to monitor their credit it is right now a business.   this type of business need to stop ruining people lives and be fair, I have a closing coming up in  XX/XX/XXXX  and I need them to fix my credit report asap, please.   CTPB please help.
Consumer complaint received 2017-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (PA)

I had been an Amex customer for 40 years and then they arbitrarily decided to close my accounts, they were not past due, confiscated tens of thousand of points and handed my accounts over to a collection agency. The agency then proceeded to call my daughters, who have n't been on my accounts for years, and threatened them with a lawsuit if they did n't pay the balance. Not once did they both to call me, the primary cardholder. When I did contact Amex they told me there was nothing they could do because they no longer had access to the accounts. I later called  Amex  customer service and they were able to access my accounts. Neither Amex nor the collection agency has apologized for their behavior and in fact, the collection agency justified their actions.
Consumer complaint received 2021-02-23
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)

XXXX XXXX XXXX Amount {$2500.00} Date Opened XX/XX/2020 This account was settled with XXXX XXXX years ago and agreed that it was opened fraudulently and that I am NOT responsible for the debt.
Consumer complaint received 2017-05-18
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. (AL)

I submitted a letter to t he Credit Agencies abo ut inquiries on my credit report that I do not recall authorizing and that I do not have active accounts for from those companies who made inquiries on my credit. I also sent all the required information to confirm my identity : name, address, dob, social security number, proof of residence, and proof of identity. I received a letter from Experian asking me to send proof of identity which I sent with all of the original information. This is a stall static and I am dissatisfied with their efforts to verify or remove the inquiries.
Consumer complaint received 2017-05-18
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. (OK)

EXPERIAN IS LYING ABOUT THEIR RESPONSE BELOW. THEY ARE SAYING THAT THE CREDITORS XXXX XXXX HAS NEVER REPORTED THE MAILING ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK. LOOK CLOSE TO THE DOCUMENTS IN THE UPLOAD WERE XXXX XXXX SENT ME A RESPONSE LETTER TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX. Thank you for submitting your complaint on XXXX XXXX, 2017, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We reviewed and considered the information, including the attachment, you have supplied through the CFPB portal and directly to Experian. THE ADDRESS SUPPLIED IN YOUR COMPLAINT HAS NEVER BEEN REPORTED TO US PREVIOUSLY BY ONE OF  YOUR CREDITORS ( THIS IS NOT TRUTH, EXPERIAN IS NOT PROPERLY INVESTIGATING THE MATTER PLEASE SEE WERE THE COMPANY XXXX XXXX SENT ME A LETTER TO THE ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX UPLOADED IN THE DOCUMENTS TO VERIFY MY CLAIMS AND FACTS THAT THE XXXX XXXX  HAS USED MY ADDRESS AND REPORTED IT TO THEM ). In order to assist you, we must first verify your current delivery address. Please send two items that verify your current address, with one of those being a government issued id, along with your specific disputes or request for a credit report, to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX and we will promptly address your concerns. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Im unable to lift my security freeze with myequifax website and Im getting a error message on there end and I unable to get my credit score to.. I would need have this fix ASAP. I want the freeze to be lifted thanks
Consumer complaint received 2017-05-18
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. (AZ)

Transunion replied to my complaint number :  XXXX . In their response they stated that   XXXX    XXXX   XXXX  account numbers :  XXXX ,  XXXX ,  XXXX , and  XXXX  reflected  XXXX  balance, dated close of  XXXX   XXXX  which is not true. It really concerns me even more that Transunion do n't investigate a through investigation and really look at my report. It clearly shows that as of today  XXXX / XXXX / XXXX    XXXX   XXXX   is showing I owe {$50000.00}. Which is n't correct! Please update my account to   XXXX   since Transunion is stating that my current account shows this balance. This account shows the same date as Transunion response  XXXX   XXXX ,  XXXX . This is at this point a fraudulent account. Please delete this account. The attached report is update to todays date of  XXXX / XXXX / XXXX .
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

There are   XXXX   companies reporting a delinquent account that originated with a 60 month loan with CitiFinancial that was secured by a vehicle. The Loan was originated on   XX/XX/XXXX  for th e loan amount of {$18000.00} at 22.99 % APR with the first payment due on   XX/XX/XXXX . I  paid this loan as agreed until Approximately   XX/XX/XXXX  wh en the loan was transferred to    XXXX   XXXX   for servicing. I was notified by   XXXX   XXXX   that my b alance was still {$13000.00} after I had been paying my payments since  XX/XX/XXXX   (  5 years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on   XX/XX/XXXX  w hich I refused via fax  on  XX/XX/XXXX  and a sked them to come and pick up the car that the loan was secured on.        XXXX   XXXX   then transferred the Loan to   XXXX   XXXX   w ho also tried to collect before selling the account to   XXXX   XXXX  . I currently have a delinquent closed account being reported on all  XXXX  of my credit bureau reports by    XXXX   XXXX   XXXX    fo r the loan which was originated with Citifinancial as well as a delinquent Open Collection Account on all  XXXX  of my credit bureau reports by  XXXX    XXXX   in the amount of {$13000.00} which again was originated with CitiFinancial. My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the   XXXX   XXXX   Welcome Letter  ) ;  completely different than the Original Note ( Shown on the  Citifinancial Loan Origination Note ) The   XXXX   XXXX   Welcome letter does however reflect the correct Citifinancial Loan /Account number and corresponding    XXXX   XXXX   account number, which is then referenced by   XXXX   XXXX   an d  XXXX   XXXX . I will also include a letter from  Citifinancial  stating that they no longer have any of the documents of my real estate loan that was originated with them  (  it was actually a 60 month vehicle loan that originated on XX/XX/XXXX   XX/XX/XXXX   ) so they will delete the account from my  XXXX  agency credit reports.     I would like to have any delinquent accounts associated with the  Loan  that was Originated with Citifinancial be deleted from all  XXXX  of my credit bureau reports PERMANENTLY Deleted.             I want any and all delinquent accounts that originated with the  Citifinancial Loan  from   XX/XX/XXXX  b e Permanently Deleted from all  XXXX  of my credit reports from the  XXXX  major credit reporting agencies. Primarily the Delinquent account being reported by    XXXX   XXXX   XXXX  ,    XXXX   XXXX   XXXX ,  Citif  inancial Inc,  and  XXXX   XXXX ,  XXXX .