davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (WI)

I received my most recent statement from Chrysler Capital Friday XXXX XXXX. I made a payment using bill payer from my bank, which I use for all my payments with Chrysler Capital. Reviewing the statement I had questions about the balance on my loan. 

I contacted Chrysler Capital and discussed the issue with their rep. I confirmed that the original loan was for {XXXX}. I asked the rep to confirm how payments I had made. At one point it was XXXX, another then XXXX, and then XXXX. He had no idea which number was correct. Reviewing the statement it stated I had made XXXX payments of {XXXX} each. He confirmed the amounts of the payments. I asked why if I had made XXXX {$XXXX} payments why my payoff showed a total of {XXXX}. I asked why it was that high since XXXX X XXXX is {XXXX}. Subtracting the {XXXX} from {$XXXX} leaves a balance of {XXXX}. Why was the payoff {XXXX} more on the statement? 

He checked various records but could not come up with any explanation and promised to have someone or hi boss call me before the end of the day. No one called. 

I have no confidence that Chrysler Capital has any idea of what is going on with my account and do not trust them. Why ca n't they find records that can explain what happened to my payments and the discrepancy between my calculations of what the payoff balance should based on their record on my statement reporting I had made XXXX payments.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft, and unauthorized credit inquiries have been made on my credit report without my permission. Specifically, the following inquiries were made without my consent : 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 XXXXXX/XX/XXXX These inquiries were not authorized by me, and I did not apply for credit with any of these companies. I am concerned that my personal information has been compromised and is being used fraudulently. 


These unauthorized inquiries have negatively impacted my credit score and have caused me significant stress and concern. I am worried about the potential financial harm that could result from this identity theft. 

I am requesting that these unauthorized inquiries be removed from my credit report immediately. I also ask that these companies take steps to ensure that no further unauthorized actions are taken using my personal information. 

Please acknowledge receipt of this complaint and provide me with an update on the actions taken to resolve this issue.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

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 and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2021-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I sent Capital One a request to validate the debt that is showing as owed on my credit report. I have had this credit card for 16 years and paid faithfully without knowing that this account is false and misleading. I asked this agency to send to me validation that I owe this debt to them. They did respond with verification and a written notice stated the year the account was opened, plus a packet of statements dating a year back. This information is insufficient and does not prove that I lawfully owe this agency any amount of money. I did not receive a contract that was signed by two parties and statements as opposed to invoices. This is not verifiable proof a contract and a promise to pay. Truth is, according to Title 15 US Code 1692 ( g ), I am the original creditor and each time I signed a slip for a credit purchase, this item became a note instrument that can be used to represent money or as money. I don't owe the company a dime because each time the card was used, money was created for the banks to balance their accounts and for Capital One to capitalize off of receiving an extra payment as well as interest. This is a SCAM!! These false and misleading actions taken by this company has damaged my reputation, caused me to lose money in higher interest rates and also cause employment and housing issues. I am a single mom with children who works hard to keep my credit secure and this issue has caused much stress and grief. I have recently interviewed therapists in order to choose someone to assist me with the stress this has caused as it has damaged my mental health. These debt collectors are purchasing debts that have already been written off by their clients for pennies on the dollar and then coming after innocent citizens to wreak havoc on our lives and cause emotional and mental strain. The nature of this debt is fraudulent as I don't owe this company a damn dime. I have never had an agreement to pay them anything. There is no contract between us on file and they have been insufficient in providing the validation that I asked for because IT IS NOT REAL!!
Consumer complaint received 2021-11-10
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: CITIBANK, N.A. (NY)

Someone tried opening accounts with this creditors. This accounts do not belong to me : XXXX CO Bank XXXX XXXX XXXX CO Bank XXXX XXXX CITIBANK XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-29
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. (PA)

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 U.S.C 1681 :. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Credit report XXXX XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The following account was disputed with the bureaus directly. I supplied them with the payoff letter provided by the creditor once the account was paid off as agreed and they still refused to revise the inaccurate information. This account was paid in full via automated payments directly debited from my bank account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX Marked as charge off when paid in full letter attached
Consumer complaint received 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

1 ) XX/XX/2021 -- Fraudulent Bill Received Attempting to Collect {$27000.00} 2 ) Debt Amount Not Owed Due to Fraudulent Billing by Creditor and Creditor 's Violations of the Texas Deceptive Trade -- Consumer Protection Act and the Texas Debt Collection Act. 
3 ) We filed CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021. 
4 ) On XX/XX/2021 we received an ambiguously worded notice from CFPB informing us that it is unable to send the report to the creditor. 
5 ) We have informed the Creditor in writing that we dispute the full amount of the debt due to the Creditor 's billing fraud.

6 ) We have received numerous calls from ProCollect, a collection agency, which leaves unwanted messages.

7 ) The Creditor has ruined our credit for this debt not owed.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

2 payments were made at the same time to 2 different people only one was authorized ( XXXX XXXX ). 

This was for a hair appointment. The 2nd ( unauthorized ) transaction was to a man ( XXXX XXXX ) who helped me move my home back in XXXX! 

It is XXXX! I thought this would be fairly easy to resolve, but this crooked company says the payment was authorized ( even though the receipts and payments at exactly the SAME time to XXXX different people suggest otherwise!!!! ) It isnt difficult to see from the receipts that I would NOT be paying the mover for a hair appointment ( see the images ). 

It should not take all of this to return funds that have been mistakenly removed from someones account. Completely dishonest and unscrupulous!!!
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

After reviewing my credit report I noticed several discrepancies for XXXX XXXX. Several different Account names 2. Different Account Types 3. Different Status 4. Different Responsibility 5. Incomplete/ Inconsistent Payment history 6. Different Contact Phone # 7. Different Comments I have disputed this information with the bureaus several times & it is coming back as Verified and accurate. How is this information being verified and reporting accurate if its reporting different on each credit report? In result to these inconsistent, inaccurate & incomplete derogatory marks I have been denied funding. 
This is Violation of : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character. 
Negligent Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 has been modified or deleted from the file of the consumer.

I am requesting this account be removed from my credit report immediately!
Consumer complaint received 2023-05-06
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$56000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2021-11-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-09
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nobilis Credit Management, LLC. (TX)

On Tuesday, XX/XX/XXXX, XXXX XXXX of Nobilis Credit Management, on behalf of XXXX XXXX XXXX, called every single personal phone line of a third party, my father as well as his business lines. My father is not my guardian and I do not enter into loan arrangements with him named. He is a third party. According to my father, a phone line was contacted that is for internal employees and is not publicly available. Two voicemails were left for my father where XXXX named me as a party to legal action and threatened " final legal action '' and suggested that current proceedings " may have been initiated. '' XXXX did not name that he was attempting to collect a debt nor did he name his affiliation with any company, let about Nobilis or that he was called on behalf of XXXX XXXX. The phone numbers that he contacted are clearly listed as those of my father in public records or are official phone lines of his company. I have these two voicemails saved. 

XXXX attempted to call me but did not leave a voicemail. He only left a voicemail with my father and his business. I called XXXX and asked him if he was aware that it was improper to contact third parties to collect a debt, not only one time but several times. When I asked for information regarding the dates that the debt was charged off and ultimately sold, he told me that I was not being cooperative, and he spoke over me and stated that his client is strict and unless I said that I wanted a settlement that he was going to communicate with the client ( XXXX  ) that I had stated that I did not want to cooperate on settling the debt. XXXX would not even disclose to me the name of the collections agency he worked for. He stated that it was called " NCM '' and that the acronym was something I didn't need to know and it " didn't stand for anything. '' He threatened me with false statements to a creditor. He hung up on me when I insisted on collecting further information and stated that he's telling the client that I didn't want to cooperate. I called him back, he further spoke over me because he wanted me to agree to the settlement of a debt that I didn't have enough information about. I ultimately was transferred to Nobilis ' director where he gave me the requested information and agreed that XXXX 's behavior was a violation of federal and state ( Texas ) debt collection laws. Not once did XXXX ever use a disclaimer that he was calling in an attempt to collect a debt when he was initially in contact with me. 

After I asked - well into the phone calls- I was assured that all of the calls referenced above were recorded. I informed the director that I'd be filing federal and state claims under consumer protection laws. The voicemails left for my father and his company as well as my conversations with XXXX and Nobilis ' director all took place on XX/XX/2021.
Consumer complaint received 2023-05-06
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: EQUIFAX, INC. (TX)

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. 

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.
Consumer complaint received 2023-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

HI; RESURGENT/LVNV FUNDING ( ALL ACCOUNTS UNDER MY NAME AND SSN ) : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.