davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (ND)

In XXXX I could no longer pay my XXXX XXXX credit card in California. It was from my previous marriage and was a card for our business but was in my name and after splitting with my husband he took the business and left me with nothing. I was continuously contacted from the credit card company and finally settled with them for {$300.00} which was a fraction of the over {$3000.00} card owed and in XXXX I was served a court order from a XXXX XXXX XXXX XXXX  attorney in MN  on behalf of Midland Credit Management saying I owed this debt even though it was after the 4 years legal to collect the debt in California  and was now a legal resident of North Dakota so 6 years is the legal limit and even though I had previously settled with the credit management company. Today XX/XX/XXXX I received a notice of garnishment of earning dated XX/XX/XXXX saying I owed now {$4000.00}. I just spoke with the attorney and they told me the call was being recorded they received this from Midland Credit in XXXX of XXXX which I informed them was 2 years past the legal standing to attempt to collect a debt in California  since that was where this case started and even if it went to ND it was still a year past their legal standings and the attorney told me this call was over and hung up on me.
Consumer complaint received 2023-04-27
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. (AZ)

I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Chapter XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX5 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

An investigation by the credit bureaus showed that the XXXX XXXX XXXX XXXX XXXX account XXXX belongs to me, although I indicated that the billing address indicated in this account is an address that was made fraudulently, attaching a FTC report to these investigations, but the credit bureaus considered that this account belongs to me with which I strongly disagree with.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western-Shamrock Corporation (TX)

XX/XX/XXXX- received a call from a collection agency for an attorney. The collection agent had my full name, date of birth and full social security number. The actual debt was my daughter in law who I have no contact with her or my son by their chose. After explaining it was not my debt and I wanted to know details, she told me this information. The debt was originally taken XX/XX/XXXX in the amount of {$1400.00}. The original Debtor was Western Shamrock and then sold to XXXX XXXX XXXX and then to XXXX XXXX XXXX XXXX XXXX, in which she was a collector for that company. The collection agent stressed that I needed to pay immediately the amount of {$900.00} and then go to the police station and file charges on my daughter in law. After explaining I do not have that amount of money, she lowered it to {$510.00}. She told me that if it wasn't paid right then then the attorney 's would file the suit against me and take any measure to secure the payment, lien on my house or freeze my bank account and more things along that line. She could see that my credit was good and she didn't want this to be a bad mark on my credit so I needed to pay immediately. I would not pay without speaking to my husband and us trying to contact our son. I was finally able to get off the phone with her, without just hanging up.
Consumer complaint received 2023-04-30
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. (GA)

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This Is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You must follow proper procedures it these claims are in your system and to be used in my credit reports challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified Information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. Below is a summary of the data in which I am challenging XXXXXXXX XXXX XXXXXXXX XXXX {$2000.00}. THE FOLLOWING CREDIT INQUIRIES NEED TO BE INVESTIGATED AS WELL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (PA)

I called Mohela to see what my payment count is. They told me that they don't have that information but my loans were discharged. I just want to know if it is above XXXX and if a refund is due.
Consumer complaint received 2023-12-21
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. (TX)

I trust this letter finds you well. I recently reviewed the updated copy of my credit report and noticed errors and discrepancies in the information furnished by your agency. 

In light of this, I am planning to apply for a new credit line. However, I am concerned that the presence of this inaccurate information may lead to a denial of my application. Therefore, I am reaching out to request the prompt removal of these invalid items from my credit file. 

*Please see letters for the negative items.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Colony Brands, Inc. (NJ)

I have been checking my credit report more recently, things are not adding up!! 
I have sent emails to the companies to try and get more info and they respond with, information not adding up!!! 
{$500.00} later, still no answer or response to my inquiry. Not adding up!!! 
I truly do believe my ex girlfriend orders or apply to things in my name, usingyl my s.s.i numbers and trys forging my name. 
Thank you
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. 
Synchrony Bank Address : XXXX XXXX XXXX, XXXX, FL XXXX There are three companies that are supposed to be holding the account, this is a confusing tactic as A consumer can never get to the bottom of the account and get the correct information I have been trying for several years to get this removed. I dont know if someone opened this in my name or was it another card from when my identity was stolen. This is not my account I have never used Synchrony bank
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the payment history and the date last active. The accurate reporting of this date is crucial for maintaining the integrity of my credit profile and ensuring compliance with the FDCPA. XXXX XXXX XXXX has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed immediately. Please see the attached credit report and data breach claim id and remove the aforementioned account from my credit report.
Consumer complaint received 2022-03-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (MO)

On XX/XX/2022 I was informed that Chrysler Capital had put a repossession order on my vehicle that has been transferred into Private Trust per security agreement to XXXX XXXX XXXX XXXX # XXXX. On XX/XX/2022 I contacted Chrysler Capital about the allegations of repo order and spoke with several employees in the platinum member services department with employee ID numbers : # XXXX, # XXXX XXXX XXXX and Executive office member # XXXX XXXX. All employees name of Chrysler Capital was using profane language and making threats of repossession of private property, and saying that I owed debt. I have attempted to send several Notices to Chrysler Capital regarding my administration forensic investigation and analysis after notice of fraud, and billing errors pursuant to ( regulation z ) and ( regulation f ). Proof of service includes five signed and completed USPS ( PS Forms 3811 ) that have been included in attachment, along with Debt Validation Letter ( 15 USC 1692 ( g ) ) that was never responded to, Affidavit of Truth that Chrysler Capital is also in Non-Response of. Chrysler Capital has Received and Signed showing proof of reception of said documents. Since Chrysler Capital is in violation, dishonor, and default to cure of using copyrighted property, and sending threats of repo order a private administrative judgment has been issued. This is to notify XXXX XXXX, XXXX, Chrysler Capital and Santander, LLC that a commercial lien of ( {>= $1,000,000}. ) has filed against them and will not be released until settlement is reached. Affidavit of Obligation has been sent registered mail ( XXXX XXXX XXXX. Declaratory Judgement. " Default '' status. Enforcement has been done non-judicially.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 2023-06-19
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: LEXISNEXIS (AZ)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! XXXXDEPT OF ED
Consumer complaint received 2023-06-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NV)

I received a letter from them stating that they will sue me. I responded asking them to provide the proper documentation proving that the debt is mine. They responded and said the debt is accurate and they are uncertain of what I am disputing. I wrote another letter specifically asking for a substantial proof and I was very clear about asking for my consumer rights of validation of debt. They sent another letter saying that they sent all the proof to the credit bureaus and didn't provide me with anything that I previously asked two times. 

I also sent a letter to the credit bureaus asking for an investigation and for documentation that proves that account is mine and they didn't send anything just a generic letter stating that the account was verified as accurate. 

I have attached the two letters I received from them asking for a validation. This shows they are failing to validate their claim and are violating my consumer rights.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

In XXXX, my identity was stolen. My drivers license and SSN were used online to open loans at various credit unions, which resulted in the opening of fraudulent accounts and hard inquiries on my credit history. These fraudulent activities occurred at various unions around XXXX of XXXX. When it came to my attention via XXXX credit monitoring, I created reports with XXXX, XXXX, and XXXX to dispute the accounts. The main credit unions involved, XXXX XXXX XXXX ( XXXX, CA ) and XXXX XXXX XXXX XXXX North Carolina ) have conducted investigations and have concluded that these accounts were fraudulent. Furthermore, these unions have notified the three major credit bureaus to remove the accounts and inquiries from my history. At time of writing, my XXXX and XXXX scores have returned to XXXX, and XXXX is still working on removing XXXX of the fraud accounts as a closed account. 

Due to the damage caused on my credit reports, Citi lowered my credit limits on two credit cards to {$4000.00}. Unfortunately, this at that time lowered credit limit and also increased my utilization, further lowering my credit. Citis decision to lower my limits was made on XX/XX/XXXX. 

My original line of credit was {$16000.00}, and was lowered to {$4000.00} in XX/XX/XXXX. In XX/XX/XXXX, I had resolved most of the fraudulent disputes but the bureaus where still processing my disputes. At that time, Citi advised me to request a credit line increase, whereas I was requesting my line be restored to what it initially was. They got an instant denial on my line increase, citing numerous delinquencies from the fraudulent accounts. They then told me to wait until XX/XX/XXXX to try again. 

I kept working with Citi and sending in reports from the fraud investigations, and on XX/XX/XXXX, an account XXXX submitted a Credit Bureau Dispute form. I never received any communication with results or follow up. 

On XX/XX/XXXX, I followed up again. They again told me all I can do it submit a credit line increase. This did increase my line by {$4000.00} however that is still half of what my line was in XXXX. Furthermore, the only option they present me with at this time is to do an XXXX XXXX Line Increase which will pull a hard inquiry on my history and has no guarantee of a fair outcome. I should not have to place a hard inquiry on my history which I have worked very hard over the past two years to restore to an Excellent score. I have expressed my grievances with Citi and filed a complaint with them. As a customer they have reduced my credit line as a result of a crime committed against me and have made the recovery process incredibly frustrating when no wrongdoing was done on my part.
Consumer complaint received 2023-08-30
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. (CA)

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 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.