davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (GA)

Ive spent months trying to communicate with the credit card company XXXX XXXXXXXX XXXX, without resolve they sold the debt without my consent. Ive sent a complaint in before and all that was sent back to my address were statements, there was no proof or signatures shown anywhere in the documentation sent. After this company sold the debt to a debt buyer whom theyd given my information over to, with constant emails, harassment, which cause stress, anxiety and fear.
Consumer complaint received 2022-11-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was 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 information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX  is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/2016 Balance : {$2500.00}
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: EQUIFAX, INC. (NJ)

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 XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX h

as 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 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My information was used by an individual in XXXX Washington that tried to get a auto loan XX/XX/22. The dealership ran the credit app againts XXXX different institutions. I have locked all my credit bureaus.
Consumer complaint received 2015-11-25
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Financial Services, LLC (MS)

URGENT! ACTION NEEDED : False representation, unethical behavior and consequent actions of a medical facility and health corporation along with padding medical costs, etc. : I went to court yesterday, at XXXX in the XXXX County Justice Court in XXXX , Mississippi , an attorney with Healthcare Financial , the legal representative for XXXX XXXX Hospital presented legal proceedings against me for medical bill debt collection. It was at XXXX XXXX Hospital 's Emergency Room where last summer, in XXXX, I received Emergency Room medical services, one, in XXXX machine for XXXX which skyrocketed the bill, and Paid {$40.00} on bill and was not reflected at court, XXXX, Tuesday, XX/XX/XXXX. So, before any collections, my bill was paid before judgment and notice, why should I now after court and stating my case face financial repercussions. There in Justice Court, the Judge XXXX XXXX ruled in favor of Healthcare Financial ( XXXX XXXX Hospital ) in a ruling of over {$1100.00} in ER medical costs ( the original cost, not reflecting the {$40.00} paid while in good standing-UNFAIR to turn over to collections ), court costs and attorney 's fees, even though Healthcare Financial with their paperwork quoted me as owing the entire amount of the medical bill, not giving credit nor taking into account the {$40.00} I paid back in XXXX to the XXXX XXXX Hospital and I have my receipt. The original medical bill only, after I paid {$40.00} in a good faith effort was {$850.00}. Early on in summer XX/XX/XXXX, less than a few weeks after receiving services, I contacted the hospital requesting to make payments of {$10.00} to {$20.00} a month and more when I could afford to and was declined. I was told the least payments the hospital would accept was {$40.00} a month. With all my tons of bills, I struggled to make any payment, yet, while my medical account was in more-than-not, in good standing. I told the attorney I paid {$40.00} on my medical bill, and she said to me in the presence of the judge, " You should n't been able to pay them. They should n't took a payment from you. '' But they did! And I have the receipt from XX/XX/XXXX. However, in Justice Court before all speaking aloud, the attorney for Healthcare Financial-XXXX XXXX Hospital said after I asked the Judge, XXXX XXXX could I continue on making payments or more affordable payments to the hospital and the attorney said I could pay a COLLECTION AGENCY, and the damage has already been done. I was more than not devastated. The attorney did not take into account the {$40.00} payment and asked for better arrangements, therefore my account should not be turned over to collections in such unethical and credit not taken into account.
Consumer complaint received 2023-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (NY)

I purchased a vehicle from XXXX in 2019. My account was assigned without my knowledge to Bridgecrest. I was recently looking over my car contract with XXXX and noticed several discrepancies. First I was forced to leave a downpayment or I could not get the vehicle unless I gave {$2000.00} down. They committed fraud by requiring cash with a consumer credit transaction. I was also never informed of my right to rescind or given recession paperwork. That is against the law and a violation. There are also a ton of charges which I do not understand and was not provided with any explanation as to what they are for. The finance charge is the SUM of all charges. I have recently received mail from Bridgecrest after sending a cease & desist. Bridgecrest are still contacting me without my expressed written consent.The letter which I have attached made several defamatory statements and is defaming my character. Harassing phone calls throughout the day and night. Threatening mail which included threats of legal action and false claims were made against me which have caused willful injury. I have also noticed my signature/ notarization missing from the Power of Attorney form which is fraud because I never authorized anyone to act on my behalf. I no longer want to do business with you. I have also attached a copy of your arbitration agreement
Consumer complaint received 2023-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (AR)

I sent the ocmpany a debt valdiation letter to verfiy the debt that they claim I owed and requested they stop the collection process. I sent the request certified. Amonth later Im still seing this debt on my credit report as it seems they have not ceased collection attempts
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is reporting a student loan incorrectly on Experian that is outside the 7-year statute of limitations with 180-day lates in XX/XX/XXXX. It should have been deleted on XX/XX/XXXX since the last payment was made XX/XX/XXXX. SEE ATTACHED DOC
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (IL)

This is XXXX XXXX, and I am submitting this CFPB Complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries and inaccurate personal information are being reported to my personal file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these items from my credit file. I need the following items removed as soon as possible. 
EXPERIAN : XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/2022
Consumer complaint received 2023-10-15
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and when I last came back I checked my credit reports and saw these unauthorized fraudulent accounts on my credit. XXXX XXXX XXXX XXXX  CREDIT CARD I NEVER OPENED XXXX ) XXXX XXXX XXXX I NEVER OPENED XXXX ) XXXX XXXX CREDIT CARD I NEVER OPENED, this is a fraudulent account. XXXX ) XXXX XXXX ACCOUNT I NEVER OPENED OR HAVE A CONTRACT WITH. please remove these unauthorized fraudulent accounts from my credit bureaus
Consumer complaint received 2023-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I did not authorize these inquiries that are shown on my transunion credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (VA)

As a result of verifying your accusation, we have learned from the original owner ( XXXX ; XXXX XXXX XXXX ; XXXX ) that not only has this matter been resolved, but that they did not hire your organization or ask that you act on their behalf. Please refer to the information collected. Also, please remove the inaccurate claim from my credit report.
Consumer complaint received 2020-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I received an email that I had two hard inquiries on all three creditu bureaus in one day. I called Transunion and they said they could not take them off. I have since put a freeze on my credit with all 3 credit reporting agencies. I've also sent in a dispute that these inquiries are fraudulent, as I did not make them. I want them removed from my credit report, but the agencies are saying they can not do that. 

XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2023-07-31
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. (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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  / 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 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX ( XXXX and Equifax ) and XXXX ( XXXX ) I temporarily " lifted '' or " thawed '' my credit freezes. The freeze was to go into effect just for today, XX/XX/XXXX so I could apply for a new cable/internet service. I received notifications this had been done. When my credit was pulled by XXXX XXXX today, I was informed my credit was frozen and had to cancel my sign-up. I went online and verified that all the accounts had temporary lifts of the freeze. 
I suspect, but can not verify, that XXXX was the problem. This is because it took me hours to remove the freeze with them and minutes with XXXX and Equifax. I recognize it could be the others or even XXXX that has the issue.
Consumer complaint received 2020-04-08
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: Experian Information Solutions Inc. (NY)

To Whom It May Concern, On XX/XX/XXXX I was looking at my credit report and noticed inaccurate information. 

Derogatory marks XX/XX/XXXX it says XXXX XXXX  XXXX {$130.00} Is owed. I had called this company many times in the past as this was all taken care of and there customer service reps had said they would remove from file. For some odd reason It is still on there. But was taken of. There was additional fee 's than it was fraud and never authorized by me. 

Inquiries XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX ( both companies I had called as neither company had I signed anything or applied for anything and to the best of my knowledge was fraud and unauthorized by me. Both companies agreed to remove from my file but for some reason still there. 

I have attached the false inquiries picture on here so you guys can see it
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: SANTANDER HOLDINGS USA, INC. (CA)

On XXXX, I sold my lease end XXXX XXXXXXXX XXXXXXXX XXXX back to original dealership XXXX XXXXXXXX in XXXX XXXX XXXX XXXX sent a check dated XXXX to Open XXXX XXXX XXXX AZ per instructions from Chrysler Capital ( I was told ). Check was cashed XXXX. Ever since that time, Chrysler Capital still has not shown vehicle lease as paid with XXXX balance. XXXX sent me copy of cancelled check which I have faxed three times and emailed twice to Chrysler Capital who states either haven't received or that payoff check must be in Chrysler Capital 's name. But I keep seeing items that Open Lease is one of the distributors of the Lease End for Chrysler. I do not know how to get Chrysler to resolve this matter. Please assist in finalizing this sale and show Chrysler Capital as paid off.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. 

XXXX & XXXX XXXX XXXX XXXX XXXX XXXX off
Consumer complaint received 2023-10-15
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

I had a Home Depot account that had been closed by Home Depot due to inactivity. The account was re-opened fraudulently without my knowledge, and a charge was made at a store far from my home store. I only noticed when Home Depot collection calls came in. I immediately let them know that this was fraud, and also created an online profile to notify them of the fraudulent charges on XX/XX/XXXX. Home Depot 's fraud department is not responsive, and at first refused to close the account or remove the charges. I visited Citibank, the main bank that owns this credit card, and they had to call the Fraud Department. Finally, today, XX/XX/XXXX, the main charge is removed from my account, but Home Depot is not removing the late fees and interest charges related to the fraud. The Fraud Department hangs up on me or is closed, and Home Depot has been very difficult to deal with.
Consumer complaint received 2024-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (KY)

this is not in error i have requested this account be deleted now under my federal protection laws that is the only solution no information is needed from me STOP VIOLATEING MY RIGHTS OR I MUST SEEK JUDGEMENT? MONATARY RELIFE per FTC report i have been victim of identity theft and request this account be deleted from my credit report per 15 usc 1681c-2 block of infromation resulting from identity theft, futher note 15 usc 6802 obligations with respect to disclosures of personal information i request this acct be deleted from my consumer file and credit reports