davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX 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 2017-09-14
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COAST PROFESSIONAL INC (NJ)

Coast Professional calls my cell ~twice a day and recently they called my office - speaking to 2 colleagues of mine prior to me. I have written them asking to no longer be contacted, but they call while I am at work every day when I can not take personal calls. Calling my office is aggressive.
Consumer complaint received 2023-04-09
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. (SC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to address a pressing matter regarding my credit report. Upon thorough review, I discovered the presence of a fraudulent account that has been erroneously listed under my name. This egregious error not only tarnishes my financial reputation but also undermines the integrity of the credit reporting system. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-09
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. (FL)

XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX WEBBANK/PAYPAL BC/CCC XX/XX/XXXX
Consumer complaint received 2023-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a dispute via certified mail to Transunion in regards to the collector XXXX XXXX XXXX and it was filed on XX/XX/2023 including court documents for removal. Transunion removed the dispute from file without addressing the issue or results. This item should be removed it isnt owed the XXXX at XXXX owes me instead XXXX. This collection was filed fraudulently during litigation of the matter and the collector was informed via mail by several certified dispute letters and court documents that were sent Plz refer to complaint XXXX
Consumer complaint received 2023-04-09
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. (AL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to address a recent entry on my credit report regarding late payments. I would like to bring to your attention certain circumstances that contributed to these late payments and kindly request their removal from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

They put a fraud report on my credit report my SSN is not correct causing incorrect info to lenders etc. an this is the same reason why my bank XXXX gave them the info because it caused my bank account to get hacked into after having a joint account an the money is still not accounted for.
Consumer complaint received 2023-04-09
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. (IL)

I am a victim of a violation of the laws pertaining to the protection of personal information. My name is XXXX XXXX, and I am filing a complaint against XXXX XXXX and Transunion as a natural person who has experienced identity theft. These businesses violated my right to privacy by accessing my consumer report without getting my permission or approval in writing. They have also given other companies access to my non-public personal information. It is outrageous that XXXX XXXX and Transunion are in clear breach of my right to privacy as a customer. of the Gramm leach Bliley Act of 1999, and the FCRA. pursuit to 115 U.S Code 1681c-2 Block of information resulting from identity theft. They did not handle their responsibility of protecting my non-personal data with impartiality and respect. please delete all these accounts. 

Account # XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
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. (OH)

I have consistently disputed the inaccuracies in the following information with XXXX, Experian, and XXXX. Unfortunately, the issue persists and remains unresolved to this day. 

XXXX XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove. 

Experian 1. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX  XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove. 

XXXX XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX  XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove.
Consumer complaint received 2023-02-02
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon. 

I am stopping all communication through medians other than that through Mail, this is including that of my consumer report. I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail and that all other mediums are cease and desist at once. I am aware of my open end credit plan as defined in 15 USC 1602, With that being said i am also aware of my Unlimited credit file and also the fact that there is a credit FILE and I want to see the transactional history, I want to see my audit trail ( File ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. Send me the verification/ validation below with the file of where and whom the debt was originated from also who was spoken to that furnished this info. 

Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX fl XXXX
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 — Information belongs to someone else
Company: Maximus Federal Services, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act and have violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C. section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NC)

Called to speak with a supervisor on the grace period for making my payment, the company has called 3 days in a row to harass me about making the payment and telling me I OWE them the amount IMMEDIATELY, and that I am delinquent even with a grace period. They have called over 4 times every two hours to harass me even after I paid it and tried to give them the confirmation number.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

The statue of limitataions on this account is up. This this type of reporting and furnishing of a inaccurate account on a credit report is violating federal laws under the Fair Credit Reporting Act and Fair Debt Collections Practice Act. 

- Date Opened : XX/XX/XXXX Making it over the ( 7 ) year limit to furnish or collect on a debt. 

- Date of Last Activity : Furinshing ( 3 ) differernt Dates, Months, & Years - Late Payment : Year XXXX XXXX [ OK ] XXXX [ 120 LATE ] XXXX [ OK ] - THIS ACCOUNT IS A CHARGE -OFF : A CHARGE -OFF CAN NOT HAVE A HIGH BALANCE OR BALANCE - A CHARGE OFF CAN NOT REPORT LATE PAYMENTS FURTHER AFTER CLOSED DATE OR AFTER IF THE ACCOUNT REACHED THE STATUE OF LIMIITATION. 

If the account was charged- off, I never recieved a 1099 tax form. 

Violations used against me : 15 U.S CODE 1692 ( g ) Validation of Debt 15 U.S CODE 1681 ( a ) ( 2 ) Permissible Purpose 15 U.S CODE 1681 ( b ) Inaccurate False Reporting 15 U.S CODE 1681 ( e ) ( b ) Collection Must Be 100 % Across All ( XXXX ) credit reporting agencies
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : Untitled Account Number : XXXX Account name : XXXX 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.
Consumer complaint received 2023-06-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NJ)

XX/XX/XXXX, I received the copy of our our agreement. I asked ally for a copy of our agreement to our contract, in our contract it stated if i had any disputes it only could be change in writing. I received my car payoff letter and car title and asked could they remove the XXXX. They never responded i wrote them several times over the next few weeks. I even called customer service. I asked several times not to report negative information on my credit report on the phone and in writing and they still reported all information my credit score dropped tremendously. After several attempts of trying to get a resolution on XXXX XXXX i finally talked to customer service about the issue ive been having. She didnt know if they received my documents but gave me an email to send documentation I sent the documentation on XX/XX/XXXX that they requested and XX/XX/XXXX my car was impounded im currently seeking to file a lawsuit for how this has effected my life.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NCB Management Services Inc. (FL)

I got my car through a XXXX XXXX on XX/XX/2016. My car was repossessed and resold and purchased by another lender. It says on my credit report the account was closed on XXXX XXXX. As I look on my credit report I see an open account for the amount of {$15000.00} opened XXXX XXXX through NCB Management services with the Original credit name of XXXX XXXX XXXX XXXX ). XXXX was in a class action lawsuit and it was a judgment passed that any derogatory information including late payments or repossessions must be removed from all credit reports and since it is still on my credit report they are violating the UCC code.
Consumer complaint received 2020-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I looked on my credit report and I still have this account that i really own. I already sent dispute letters via certified mail to delete this account but for some reason they are not responding on my letters. Its been 60 days since i mailed the letters but until now I still don't hear anything from them. This account really affects my good standing and I want it to be deleted.
Consumer complaint received 2020-12-15
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: Experian Information Solutions Inc. (GA)

XXXX XXXX, a debt collection agency is reporting false information on my credit report. They are saying I owe {$6000.00} for a debt that I have no knowledge of. I have disputed this information in the past and the credit reporting agency removed it but then they added it back to my credit report. Furthermore, another company seems to have bought this debt from XXXX XXXX because I was served a lawsuit from CPS Community and went to court for this exact debt in XX/XX/2020, where the judge has denied their claims because they can not furnish any contract or evidence that this debt is mine. 

Although they no longer own the debt or are able to provide evidence that this debt is valid they still refuse to remove this from my file and Experian and XXXX keep saying the debt is valid when i have a legal court document to prove that 1.the debt in invalid and 2. the amount of money owed that they are reporting on my credit is invalid. If you can not resolve this, my next step is to sue XXXX XXXX and the credit reporting agencies for damages to both my file and my personal life.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

On my personal identification it states that I went by a former name. This is incorrect and I would like it removed because I never went by this name. My name is very common and I don't want to be confused with anyone else! I know this may seem frivolous to anyone else but with identity theft being so rampant these days, I would like that information taken off of my report as it is incorrect. I just don't want it to cause me any problems in the future, I have enough problems to deal with in the present! 
Thank you for your time and I truly hope that this is not considered a frivolous complaint! Even though it may not seem life-threatening or earth-shattering it does mean a lot to me to have the incorrect information removed. 
Respectfully yours
Consumer complaint received 2020-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (OH)

In XXXX or XXXX of 2020. a fraudulent charge. was made on my PayPal account. My bank stopped credit card charge do to charge being out of state purchase. PayPal then tried to go in my bank account directly, but charge was still denied. So the debit left with PayPal. I tried to contact them through their website, but it was like a house of mirrors. Non of their options on their web page lead to a customer service rep. PayPal sold their debt of {$530.00} to XXXX XXXX XXXX. They did call last week and I talked to one of their representatives ( XXXX ). I explained the situation, but he didn't want to hear that it was a fraudulent charge that PayPal let go through, even though my bank denied charge due to fraud, He asked me if I made a police report. My response was no, I did not know you could do that. I am receiving notices through the mail that I own them {$530.00} for a charge I did not make. How can these be resolved? Please advise me what I need to do. I don't feel like I should pay a fraudulent charge do to PayPal 's poor protection of their customers monies. Thank you, XXXX XXXX
Consumer complaint received 2020-12-15
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: CITIBANK, N.A. (NJ)

In XX/XX/XXXX, and XX/XX/2019 Macys/DSNB added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, Macys/DSNB has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Consumer complaint received 2023-04-09
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. (CA)

As a victim of fraudulent activity related to an opened car loan that I did not authorize, I am very concerned about the impact this has had on my financial wellbeing. According to the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I have the right to dispute any fraudulent information on my credit report and seek restitution for any damages caused by the fraud. 

Under FCRA section 1681g, I am entitled to receive a copy of my credit report from all three major credit bureaus and review it for accuracy. If I find any inaccuracies, I have the right to dispute them with the credit bureau and the creditor that provided the information. Additionally, under FCRA section 1681e, creditors and credit bureaus have a duty to ensure that the information they report is accurate and up-to-date. In this case, the car loan that was fraudulently opened in my name should not have been reported to the credit bureaus without my consent, and any negative impacts to my credit score resulting from this fraudulent activity should be rectified.

Furthermore, under TILA section 1641, if the creditor sells or assigns the car loan to another party, they are required to notify me in writing of the transfer within 30 days. If the creditor fails to provide this notification, I have the right to rescind the loan for up to three years after the loan is made. Given that I did not authorize the opening of this car loan, it is unlikely that I received the required notification of transfer, which may give me further grounds to challenge the legitimacy of the loan. 

As a victim of fraud, I should not be held liable for any debts incurred without my knowledge or consent. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from engaging in any abusive, deceptive, or unfair practices in attempting to collect a debt. This includes attempting to collect a debt that is not owed or attempting to collect an inflated amount. If the car loan in question was fraudulently opened and I did not benefit from the proceeds of the loan, I should not be held responsible for repayment of the loan or any associated fees or interest. 

In light of these laws and protections, I urge the creditor and any collection agencies involved in this matter to take swift action to rectify this situation. I should have a provisional credit added to my account for the full amount of the fraudulent loan, and any negative impacts to my credit score resulting from this fraudulent activity should be removed. I also request that the creditor and any collection agencies cease all attempts to collect on this debt until the matter is resolved and I am provided with sufficient evidence that the debt is valid and owed by me. 

Thank you for your attention to this matter, and I look forward to a swift and satisfactory resolution to this issue.