davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I received a debt collection notice from National Credit Systems , Inc. in the mail. The letter is dated XX/XX/2023. 

I called the representative assigned to my case, XXXX XXXX XXXX. She called me back 2 days later. When she called me, she told me the amounts associated with my collections account. I told her I was a victim of identity theft and that I would like to dispute the charges. She said she would send me the identity theft packet for me to prove that this debt is not mine. This is exactly what I was expecting because I have had to fill out many of these with several debt collectors as a result of this recent identity theft. 

I then asked her for details regarding the debt owed, specifically which apartments complexes I owe the debt to and the dates for the charges. 

She would not provide me with the dates associated with the charges. This surprised me because every other debt collector has given me the dates and it is required for a debt collector to provide details regarding the debt owed. She insisted that she did not have to provide the dates. 

After getting off the phone with her, I realized she also did not email me the right information for submitting a fraud claim. She emailed me a form requesting emergency rental assistance. 

I am filing this complaint because National Credit Systems needs to provide me with the dates associated with my fraud claim and they need to send me the fraud packet so that I can prove this is identity theft.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

I am writing to formally dispute the charge-off account listed on my credit report by your company. Since MACYS oppressive actions deciding to infringe on my personal privacy, this has harmed my general reputation of credit worthiness by furnishing such alleged debt to the consumer reporting agencies. See proof in the attachment labeled as Exhibit A. This constitutes as a violation pursuant to 15 U.S. Code 1692d ( I ) for the use of threat or use of violence or other criminal means to harm the physical person, reputation, or property of any person, Upon receiving this notice, I demand you to CEASE AND DESIST further communication through all mediums, ie : email, text messages, phone calls, consumer reporting agency of any other forms of instrumentality of interstate commerce or mails permanently, regarding such alleged debt in which I refuse to pay pursuant to 15 USC 1692c ( I ). Remove the charged off account from all consumer reporting agencies.
Consumer complaint received 2017-10-22
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. (MS)

XXXX reporting Student Loans in my name for XXXX XXXX XXXX, XXXX College, etc over {$40000.00} and {$50000.00}, that are fraudulent and do not belong to me. I have requested that the fraudulent information be removed from my credit report. 
I have had XXXX credit and this information has reduced my credit score tremendously due to fraudulent information. 
I have reported identity theft to the XXXX XXXX Police Department in XXXX XXXX, MS . 
Report # XXXX Please remove false information from my credit file.
Consumer complaint received 2017-10-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Auto Finance is reporting false information to my credit report and is attempting to collect a debt which is not owed. Capital One Auto Finance is claiming that I owe {$250.00} for a vehicle which I paid for in full. I have disputed this account and requested Capital One Auto Finance send me full payment history of this account to prove that this account is accurate and complete. Capital One Auto Finance refuses to comply with the FDCPA. I do not owe {$250.00} and this account has been paid in full yet Capital One will not update the file. Capital One 's negligence is harming my credit worthiness and my ability to obtain credit.
Consumer complaint received 2023-05-30
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. (VA)

XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Credit usage 96 % Balance {$3100.00} Balance updated XX/XX/XXXX Credit limit {$3200.00} It's normal for the credit card balance you see on your credit report to be different than the XXXX on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases XXXX not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line of Credit Payment summary XXXX XXXX XXXX - XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open. {$130.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$130.00} Highest balance {$4000.00} Monthly payment {$66.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION (MI)

On Tuesday, XX/XX/XXXX during my routine car maintenance at the XXXX XXXX of XXXX, I had my car appraised for possible trade in by XXXX XXXX. The service tech that completed the appraisal alerted me that he had to reduce the amount of appraised value due to the XXXX XXXX indicating that the vehicle was involved in an accident in XXXX. I was never given the XXXX upon purchasing the Vehicle nor alerted that the car was in an accident. I had been into the dealer previously on XX/XX/XXXX for maintenance and appraisal through my sales rep XXXX and he did not bring this up at that time either. This was the first time that I was hearing of this, and it is very disturbing and appalling that the dealership and salesperson, XXXX XXXX, withheld this important information from me. This would have affected my purchasing decision when I got the car on XX/XX/XXXX. On XX/XX/XXXX I left a voicemail for XXXX regarding this matter, and I have yet to hear back from him, therefore I reached out to XXXX, the general manager to resolve this matter. 

On XX/XX/XXXX XXXX reached out at XXXX XXXX. and at first offered to buy the car back for XXXX when I still owe XXXX. That would leave me with XXXX in equity out the door. I informed him that this would not be acceptable and restated what I asked for in my initial email to the dealership. My resolution would be my downpayment of XXXX dollars back as well as the XXXX worth of payments I made since acquiring the vehicle in XXXX. He stated that was not possible along with stating that he was unsure why the appraiser had put emphasis on the XXXX XXXX  as well as the fact that my trade in was lower because of it.
Consumer complaint received 2023-07-11
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. (SC)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 ; XXXX XX/XX/2021 XXXX XXXXL XX/XX/2021
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went to apply for a vehicle and they sent me to a ton of different places rather than just one. I also applied for a credit card and they sent me everywhere some of companies I've never even seen advertised before. Here is a name of all the companies I could find 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
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

Equifax Account : XXXX XXXX XXXX XXXX XXXX XXXX Delete this account because child has reached age majority in XX/XX/2014. See attached court decree.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My most recent payments were bounced back from my checking account because of the incorrect account being used. I made an additional payment and Capital One closed my account without warning or notification. When I inquired about accessing the rewards points I accrued, it was mentioned that those points were forfeited. Those are my points ( XXXX ) that I earned that hold value and they should allow me to at least transfer them.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I was under XXXX XXXX until the end of XX/XX/XXXX. The mortgage company said they had mailed loan modification paperwork but I never received it. After several calls to the mortgage company they continued to to tell me that I was under XXXX XXXX and that they had re-submitted the account for loan modification. In XX/XX/XXXX I got the loan modification paperwork from the mortgage company, and got it sent back to the mortgage company. In XX/XX/XXXX I began remaking payments. The mortgage company is reporting to the credit bureaus that I was XXXX XXXX in XX/XX/XXXX and XXXX XXXX late in XX/XX/XXXX, and they also reported an amount that was past due. This has affected my credit and also caused a credit account to be closed when I had always made payments to that credit account.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (NY)

The following Inquiries are being reported on my XXXX report : : XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  The following Inquiries are being reported on my Experian Report : XXXX XXXX XXXXXXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiry is being reported on my XXXX report : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-10
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. (VA)

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHowever , they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Consumer complaint received 2023-02-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

I received a bill from XXXX XXXX a while back in XXXX. I requested an itemized bill because the original bill had no details about what the bill was for. I received no response. Then I got a notice in XX/XX/XXXX stating that they tried multiple times to contact me, which is a lie, and they sent my bill to collections. I just want them to send me an itemized bill with details about what I was being charged for. Medical bills are required to do this, and they are not compliant with basic consumer law. They also lied on the letter about trying to contact me. Now it is in collections. I requested the debt collector to send me the details on the medical bill and they are unable to produce details on what service I received at XXXX XXXX, but still insist on paying them. I just want a bill that has details of what service I received and was being charged for since XXXX and nobody has been able to produce that for me. I am unable to pay the bill with my XXXX XXXX Account with the information that was sent to me, so this is important.
Consumer complaint received 2017-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ditech Financial LLC (AZ)

XXXX XXXX XXXX XXXXXXXX sent me a check for XXXX to me and my deceased wife on XXXX XXXX, XXXX when I refinanced a mortgage loan with them. I returned the check to them with her death certificate and asked that they reissue the check in my name only. They stalled me through repeated efforts via letter and phone. Then they informed me that the check had been chased on XXXX XXXX, XXXX through a New York Bank. This is obviously check fraud, but I have no options other than I reported it to the police, but no settlement.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

My card was being charged allot of money every month a random charge was on my bank account and i broughg it up to the bank Wells Fargo and they told me it was over draft fees and then closed my account w out me knowing
Consumer complaint received 2022-10-27
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: ALLY FINANCIAL INC. (AL)

I called Ally and they told me I was in good standing with them. So I am not sure why this is affecting my credit score. As you can see on my credit report I having been making all my payments on time. I am in process of wanting to use my credit and with this on my report it will affect me being able to get a good rate. Ally told me it should not be on there. 

In accordance with the fair credit reporting act Ally Inc has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2023-01-21
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. (GA)

I am aware of secti

on 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I had previously disputed one of the items an
d received a response from the credit bureau on XX/XX/23 " verifying it as accurate '' without any explanation of how and completely violating me as a consumer as I know it not to be mine! 

( See Attached )
Consumer complaint received 2023-07-11
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with Equifax. this has been an ongoing issue an needs to be resolved asap. checking my file it seems all of the errors are causing denials in my file. this needs to be fixed an updated. please review an remove all of the following data filed asap.