davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit reporting 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. (NY)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-05-10
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MN)

I received a notice from IC systems in XX/XX/2023 via postal service. 

I responded also via postal service in XX/XX/2023 with the following request : I am writing to dispute this debt as well as inquire of additional information. 

XXXX Dispute XXXX XXXX XXXX last XXXX balance provided to me was XXXX. XXXX credited 15 % as a courtesy and the amount being sought is inaccurate. 

XXXX Dispute validity of debt I am disputing this debt as valid at all. XXXX XXXX recommended our daughter stay in treatment and they and the insurance company were unable to settle. We followed medical advice from XXXX and are being asked to pay for a dispute between XXXX and XXXX XXXX. We dispute this debts as ours. 

XXXX We are asking for a detailed invoice of what makes up this XXXX debt so we can further dispute its validity. Please provide details. 


End of correspondence - I have not received any response from IC systems since my letter in XXXX. This debt was fraudulently charged off without providing the details requested as part of the fair credit reporting act. As I understand, this is illegal and should result in a penalty to IC   systems. 

XXXX contacted me but did not provide the requested detail and nothing came from XXXX who was attempting to collect the alleged debt.
Consumer complaint received 2024-05-10
Product: Credit reporting 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. (LA)

I am writing this letter in reference to my previous dispute XXXX submitted to your agency on XX/XX/year>. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/2XXXX XXXX
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC (NJ)

Cedars Business Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Cedars Business Services, I am writing to dispute the alleged debt you are attempting to collect on behalf of XXXX XXXX. Your recent communications regarding this matter fail to acknowledge the circumstances surrounding the transaction in question, and I must insist that your attempts to collect this debt cease immediately. 
The debt you claim I owe stems from unauthorized activity on my XXXX account, which resulted in funds being withdrawn from my bank account and transferred to an unknown third party. Upon discovering this fraudulent activity, I promptly reported it to my bank, providing substantial evidenceincluding email records of unauthorized logins from foreign IP addresses and changes to my account information that werent done by mewhich conclusively demonstrated that my account had been compromised. Additionally, the fact that XXXX XXXX operates in the cryptocurrency industrya sector notorious for scams and fraudulent activitiesonly underscores the plausibility of this incident being the result of criminal exploitation rather than any fault on my part. 
Following a thorough investigation, my bank acknowledged the clear evidence of fraud and subsequently refunded the full amount of the unauthorized transactions. This outcome absolves me of any legal obligation to repay the disputed funds. The bank involved with this transaction was XXXX XXXX XXXX. 
Moreover, it is pertinent to note that XXXX itself has faced legal scrutiny and regulatory action, including being banned from operating in the United States due to allegations of money laundering and fraud. This additional context serves to strengthen my position that the funds in question were unlawfully obtained by a malicious actor, rather than being legitimately owed to XXXX XXXX. The real issue here is a lack of consumer protection by XXXX. A simple XXXX  search reveals many other cases with similar details as mine, where customers were missing thousands of dollars based on fraudulent activity.

In light of the aforementioned circumstances, I hereby demand that you cease all further attempts to collect this disputed debt. Any further communication from Cedars Business Services regarding this matter will be considered harassment and dealt with accordingly under applicable consumer protection laws.

Please respond via email that you have received this letter and have stopped any efforts of collecting the invalid debt. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting 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. (AL)

I notice my Consumer Report that there's several of Hard Inquiries that I don't know and did not give premission for them to pull my credit. According too 15 US CODE 1681 they're to report records and promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-22
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)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have not received any information of this collection and why they are charging me {$860.00} not once but twice. Ive reached out multiple times and all they want is my social security. I have actual medical collection bills that have provided me proof of the date, treatments and costs of everything. None of those items come close to XXXX. I am asking for these negative charges to be removed off my report, I have already disputed these items of XXXX transunion, and XXXX multiple times.
Consumer complaint received 2024-05-10
Product: Credit reporting 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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXXXXXX I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM DISPUTING THE INCORRECT INFORMATION THAT IS ON MY CREDIT REPORT. UNDER SECTION 605B OF THE FAIR CREDIT REPORTING ACT I HAVE THE RIGHT TO DISPUTE INFORMATION THAT IS FRAUDLEENT AND A RESULT OF IDENTITY THEFT. EQUIFAX MUST ALSO TAKE THIS MATTER SERIOUSLY BY REMOVING THE ITEMS THAT ARE A RESULT OF IDENTITY THEFT. According to 15 USC 1681a2 I DID NOT give permission to have these accounts furnished on my credit report, since they are not mine.
Consumer complaint received 2024-05-10
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 FCRA 605B regulation necessitates the deletion of any erroneous records from my credit report. These records misrepresent my credit standing. I am entitled to {$1000.00} for each such erroneous record on my credit history.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX, XXXX & XXXX are reporing in accurate ifnromation i have been going back and fourth with these comapnies to remove the inacuurate negative items that have been reported Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Only address that should be reported on my report is XXXX XXXX XXXX & i demand it should be updated Immediately. 

Negative Accounts : XXXX XXXX Navy Federal XXXX XXXX XXXX XXXX XXXX i will be filing a complain and suit as well. there is an attatched dispute as well.
Consumer complaint received 2021-03-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANCO POPULAR DE PUERTO RICO (PR)

Using as reference the complaint XXXX supplied on XX/XX/XXXX where it was referred to the REGULATOR FTC, I wish to point out the following because I understand that there were a series of hidden events in this transaction between the XXXX, XXXX XXXX XXXX XXXX and possible employees who made this fraudulent request thinking that perhaps because I was a co-signer, they could offer or sell a vehicle to a person who was requesting it but needed a co-signer. 

I wish to point out that the letter received does not specify anywhere that this server has authorized to be a co-signer of any. It does not appear or calls made and I do not know the names of the people who are in this type of transaction because I consider it a fraud or theft-sign that they have made in an office that I do not know where it is. 

I am greatly concerned about this situation that has affected me even emotionally because I am a person who has been classified medically and with evidence that I suffer from major XXXX and emotional events beyond my control. I understand that I have not made any type of transaction requesting any vehicle in addiction I can not be a co-debtor and authorize them to investigate my credit because I am clear that I would not qualify, but the event only interested and I called different vehicle dealers but at no time and so on I specify it, they will use the Banco Popular de Puerto Rico for financing and it was mentioned to the person that in any case I would use a Cooperative if I so desired. But this never authorized it. The person did it by " motus proprio ''. 

I consider that this was an unfair practice to me and contributes to the mistrust of these financial entities. I hope that the FEDERAL TRADE COMMISSION takes action on the matter. 

I hope and point out the points that the FTC must evaluate in this situation. 


XXXX FTC 's XXXX of XXXX XXXX XXXX XXXX, deceptive and fraudulent business practices by collecting reports from consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating consumers and businesses about their rights ... 

XXXX. Established by the Federal Trade Commission XXXX XXXX XXXX XXXX, the Federal Trade Commission XXXX FTC XXXX regulates advertising, marketing, and consumer credit practices and also prevents antitrust agreements and other unfair practices. 
XXXX. Criminal prosecutions are typically limited to intentional and clear violations such as when competitors fix prices or rig bids. The XXXX XXXX imposes criminal penalties of up to {$100.00} XXXX for a corporation and {$1.00} XXXX for an individual, along with up to 10 years in prison.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (NY)

I was alerted to an account being opened with Goldman Sachs Bank in XXXX. Myself and my XXXX Identity protection agent called on XX/XX/XXXX to have it closed. We were on the phone for 2 hours to close the account. This account was open under identity theft and we explained that all to them and they assured us it would be closed and in 10-14 business days I would receive confirmation. Now over 20 business days later it was still not closed. Myself and my agent called today and again were on the phone for over an hour. They told us that the account was under investitagtion and that it was never closed. In addition when they tried to verify my identity the number and email address that they had did not match what I had provided last time because the person who did the opening of the account was able to call back and change it. In addition they asked me for the verbal password which I had never put on because again it was the person that stole my information and opened this account. While on the phone today they stated that due to it being under investigation that they could not close it, that it was only locked. They refused to give us contact with the department that could handle closing the account and stated they needed another XXXX business days. We told them over and over that their is no reason for there to be an investigation when it was reported to be fraud over a month ago and I still had not received ay documentation that it was closed. They would not close the account and stated that it is locked and all I could do is wait another XXXX business days to get a response on it. They were horrible and we told them that we would be filing a complaint. We need this account closed and this company looked into. Who knows what else will happen in the next XXXX business days for them to investigate this account. I do not trust that they will ever close it or follow through with anything in regards to this. They had over 20 days to take care of this, when they said it was closed on XX/XX/XXXX, and even admitted today that they never closed it and pretty much the customer service agent who told me on XX/XX/XXXX that it was closed was a lie. 

This account was open by an identity theft, and Goldman Sachs Bank, refuses to close the account and follow through. They continuing to lie and not complete what is asked and expected of them.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. 
Thank you for your attention to detail in this matter.
Consumer complaint received 2024-08-12
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. (LA)

FCRA violations Not mine not my credit card XXXX  XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$25.00}, XXXX written off. {$25.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$25000.00} Never late on these accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX not my loan XXXX XXXX  XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$53.00}, XXXX written off. 
never lived here XXXX XXXX XXXX # XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, KY XXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX, LA XXXX Resident type XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX  XXXX LA XXXX Resident type - XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family not my names XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2024-05-10
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. (WI)

This Account was charged off on the following date : XXXX 2023. Since then the Account has repeatedly been updated as charge off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This Inaccurate Information falsely manipulates the statute of Limitations. You failed to investigate this Account properly after I asked you to do it THREE times which your neglect has violated my rights. I am demanding a Deletion of the Account : XXXX XXXX XXXX Account # : XXXX.