davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. I have notified EXPERIAN of this matter by phone and was hung up on by an agent of EXPERIAN. There are inaccurate phone numbers and employers being reported to XXXX XXXX XXXX XXXX XXXX report. The employers XXXX and XXXX XXXX is inaccurate information being reported to XXXX XXXX XXXX XXXX XXXX report. I did not receive income from these companies and I was not employed by neither XXXX or XXXX XXXX. The phone numbers XXXX and XXXX are not my current or past phone numbers. This information being reported to my consumer report is inaccurate. These addresses and phone numbers I have included in this complaint is not mines. I did not authorize these employers or phone numbers to be added to my consumer report The FCRA states that credit reporting agencies need my authorization to add anything to XXXX XXXX XXXX XXXX XXXX report. 15 U.S. Code 1681b - Permissible purposes of consumer reports 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 instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) I have stated earlier in this notice that these employers and phone numbers are not mines.

12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent or authority could be considered Identity theft I am demanding that the credit reporting agencies EXPERIAN, XXXX, and XXXX remove these inaccurate employers ( XXXX and XXXX ) and phone numbers ( XXXX and XXXX )
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX  XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX  XXXX Balance : {$800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX & XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-06-12
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. (IL)

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. This account [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX ] is not complete and is not accurate. 

XXXX XXXX XXXX Last reporting is reporting correctly date active is not correct this report is not accurate XXXX XXXX XXXX is not reporting correctly and accurate and this account has been deleted from my XXXX Report. 

I sent in a letter on XX/XX/year> asking them to reinvestigate these accounts [ XXXX XXXX  XXXX ] [ XXXX  XXXX XXXX ] here is the tracking number XXXX I got the investigation back but noticed nothing was modified or updated. 

So i requested for the description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 They also in violation of 15 USC 1681i ( 5 ) Can you look into this matter
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

I am not aware of any account with you. Please provide the contract I have with resurgent recieveables. Provide bill of sale, Provide your rights to collect on the alleged debt, provide license, registration and bond to collect in the state of ohio, provide my written consent that allowed you to contact me per the FDCPA. I am prepared to take these demands and violations of consumer laws, debt collection laws and securities fraud to arbitration.
Consumer complaint received 2024-07-11
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've mailed in these documents previously and recieved a response saying that these accounts were verified. I didn't asked for verification. I am a victim of debt XXXX, a form of XXXX XXXX where I was forced to incur debts under coercive conditions. This has resulted in multiple derogatory accounts on my credit report. I am currently working with a representative from the XXXX XXXX, an organization dedicated to assisting survivors of human trafficking. We are utilizing the protections provided under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information stemming from trafficking experiences when an official claim is submitted.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (PA)

Company has been sent several letters requesting documents to verify and validate debt they are requesting payment for. Letters have been sent in XXXX, XXXX XXXX. To date i have not received the requested documentation and demand immediate removal from credit report. Once again, I am requesting all of the following documentation or immediate removal from my credit report. A detailed list of the payment history made by me on this account, including dates and amounts of all payments. Documentation showing the wet signature that I purportedly placed on any contract or agreement guaranteeing payment to your company. Confirmation of whether any insurance claim has been filed on this debt, and if so, relevant documentation pertaining to such claim. Proof that your agency has the legal chain of title to collect on this debt, including any assignment or transferdocuments demonstrating your authority to pursue collection
Consumer complaint received 2024-07-11
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)

This is my 2nd submission, you failed to acknowledge my previous submission. I've included everything thats stated on your website for my situation. Please not make is isuue more difficult that is already is for me.
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/year> my car was broken into and my wallet was stolen which had my credit cards, debit card, cash, driver license, and social security card. The person was able to use my credit cards. I called my bank and credit company to dispute the transactions and ordered new cards. Only comenity bank did not dispute the transactions and sent the dept to collection company XXXX XXXX XXXX in the amount of {$3000.00} Ulta case number XXXX and {$2600.00} XXXX case number XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - NEXTEER Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, MI, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, IA, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with XXXX XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 me 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 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 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

I have review many times with the three credit bureaus my address and try to fix this many times and this gets to be very exhausting. I have also filed a police report as well. Yea half ago my mail just stop coming to my addres were I live so u have to pay for a XXXX XXXX XXXX. The post master never figure it out and never got back to me. I have called many times each of all the credit cards and loan companys every time I move what my new adtesss is. I also do a fowarding address. I am not a big fan of getting paper statements. I will get them electronically sent to me cause of this issue. I know for a fact when I left one address for the first three years I did not have mail going there I only had one just automatically show up there. After threee years. So I made the phone call to XXXX XXXX fixed it. Now I have 9 places that are reports my address. How does that eve. Happen. What is the casue of that. XXXX XXXX XXXX I use the app I know they dont have my old address. XXXX XXXX I know they dont have my old address I have my current one right here in front of me. Also it makes me worry that I have student loans going to an old address there are nine credit cards going to to an old address I am wondering if someone has open stuff in my name. I have claimed identity theft so many times to these banks they do not listen to me. They have cancelled my cards all in in one month. These cards all get closed for no reason on me then I see charges on my card that I dont recognize. XXXX XXXX XXXX is the worse they have three different address for me. This needs to be rectified. Were is Experian getting this information from. My credit report looks really bad it has caused emotional distress. I had to leave work casue of it. I need this fixed. Every time I dispute with Experian they just pretend they look at say it was fixed. They dont even do leg work. They come back and say its accurate. The only way they will go above for u is if u pay XXXX dollars a month
Consumer complaint received 2023-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (CA)

XXXX ) XX/XX/XXXX I purchased a XXXX XXXX XXXX seller assigned its interest in the contract to XXXX XXXX  XXXX in the loan amount of {$91000.00}. 
XXXX ) XX/XX/XXXX, The vehicle had Sudden acceleration when stopped, the vehicle smashed iron security gate, crashed through the reinforced concrete wall. 
XXXX ) XX/XX/XXXX, designation of attorney to XXXX office of XXXX XXXX at XXXX XXXX, CA filed lawsuit against XXXX XXXX. 
XXXX ) XX/XX/XXXX XXXX XXXX referred an auto repair shop, the vehicle towed to XXXX XXXX XXXX XXXX XXXX.The lawyers office has advised the body shop in numerous times that the XXXX car is in litigation and should be preserved as it and is component parts are material evidence with the claims in this case. 
XXXX ) I keep paying the monthly mortgage payment {$1600.00} to US bank since XX/XX/XXXX though the vehicle is not operable, waited for trial of litigation. 
XXXX ) Suddenly, A letter mailed to me from US bank dated XX/XX/XXXX notified that the bank to sell the vehicle at private sale after XX/XX/XXXX. US banks agent, auto secure recovery repossessed the vehicle from XXXX XXXX XXXX XXXX XXXX, the bodyshop had received payment of {$20000.00} in cash on XX/XX/XXXX for parking fees. Neither Myself nor my insurance company, My lawyer had received notice from the bank before they authorized the payment and had lien against my account. My attorney office and me had contacted with US bank to find out who had authorized to pay the {$20000.00} in cash without verified or notified to me as the holder and owner. I was told that XXXXXXXX XXXX XXXX XXXX misrepresentation that the vehicle owner abandoned subject vehicle, they intentionally failure to disclose the fact of pending litigation with XXXX XXXX. There are missing parts and body shop spoliation of evidence with the claims in this case. several tows by the body shop to auto secure recovery and retrieved, they damage the evidences, the parts lost. The delay of the trial and inspection of XXXX XXXX caused the body shop to defraud me of {$20000.00} for parking fees. 
XXXX ) Twenty three months after the accident, the defendants technicians finally came to my place to inspect the vehicle. 
XXXX ) Theres no estimate or any contract with XXXX XXXX XXXX.the body shop did not repair the vehicle. I'm the customer who paid auto mortgage as scheduled every month and did not break the contract. Why US bank pay {$20000.00} parking fees to the body shop so easily without notify or consulting with their customer? After that, My lawyer and me requested explanations from US Bank. Whats department and who authorized the {$20000.00} in cash payment to the body shop, but the bank dragged and ignored to respond. Now XXXX 's is unwilling to bear the losses caused by their delay in inspected the incident XXXX vehicle. US bank need to explain and remove the lien against me. Please investigate all parties of US bank, XXXX XXXX XXXX XXXX XXXX related to this frauds. Who actually received /shared the {$20000.00} parking fees?
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Omnipoint Capital (MO)

THIS IS A DUPLICATE SUBMISSION - UNSURE OF FIRST TRANSMISSION Receiving repeated calls to my voice mail like this : QUOTE " READABLE VOICEMAIL FROM ( XXXX ) XXXX XX/XX/year> This is XXXX XXXX with Omni Point Management Solutions please return this call may reach me directly or any representative at XXXX. Thank you. '' UNQUOTE The calling organization uses variations of the number shown ( XXXX ) XXXX ), with the same message. 

The organization supposedly is a debt relief entity - I have no debts and have not had any for decades. Further, there are no family members residing with me or have been affiliated with my home phone number. 

I have place each number into my " block list '' but their voice mails still appear. XXXX  apparently has no way to stop this. 

Any help you can offer will be appreciated.
Consumer complaint received 2019-06-25
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)

I requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX XXXXXXXX XXXX XXXX. I  received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " Equifax XXXX XXXX XXXX and XXXX '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (WV)

On XX/XX/2024, my spouse and I opened a high yield savings account with American Express. My spouse already has a credit card with them, which I am an authorized user on. 
The application included my name and my spouse 's name and our accurate SSNs. The account was opened and we linked it to our checking account and initiated a transfer of funds from our credit union to the XXXX. 
However, when my spouse received confirmation that the account was opened on XX/XX/2024, it displayed a completely unfamiliar name as the account owner ( see attachment - the " XXXX '' person the email is addressed to and the name listed as the account owner are NOT my spouse 's or my names and were never entered into the application ). But this email was sent to my spouse 's email address. We requested a cancel of the transfer until we could figure out why a stranger 's name was on our account. 
On XX/XX/2024, I called AmEx XXXX customer service and they expressed surprise and puzzlement about how a stranger 's name could have made it onto our account as an owner, and my spouse was not named on the account at all. AmEx confirmed that our application for the account included my name and my spouse 's name, but that somehow when the account was created, my spouse was removed and this stranger 's name was added. They said that the stranger 's name was a different SSN than my spouse 's and did not know how it could have happened. 
After being on the phone with them for hours, Amex customer service told me that it was a " system error '' and that they would put in a ticket to change the account owner to my spouse. 
As of the afternoon of XX/XX/2024, the account is showing up in the correct names. 
However I decided to still file a complaint because it is completely unacceptable that we could open an account in our names and then have it mysteriously be changed to a completely different name and SSN due to a " system error '' that no one at AmEx could satisfactorily explain. AmEx should be made aware that this is a serious security issue and seriously diminishes people 's faith in their establishment.
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunbit, Inc. (MD)

Ive been making payments for almost a year from a prepaid card. After calling the company and explaining their system constantly rejecting my form of payments they informed me they are now only accepting cards from majors banks.which I dont have. They are continuously reporting payments as late on my credit which its not because they changed their payment policy and didnt me.