davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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. (TN)

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX XXXX opened XX/XX/2018. 

I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.
Consumer complaint received 2023-06-19
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. (OH)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-29
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. (TN)

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 XXXX XXXX  with account # XXXX Balance of {$200.00} XXXX XXXX with account # XXXX  and a balance of {$5900.00}.

XXXX  with account # XXXX and a balance of {$53.00} 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
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX and Equifax has illegally reported wrong information on my credit report for years. It has impacted my ability to obtain credit. I was recently denied by XXXX XXXX, XXXX and XXXX XXXX. Ive disputed XXXX, XXXX, XXXX and XXXX XXXXXXXX XXXX, along with all the unauthorized inquiries. XXXX and Equifax told me to leave it on my credit and let it drop. Theyve cost me thousands upon thousands. They refuse to admit their mistakes and refuse to delete the information. I was told by a representative, that itll be okay. I wasnt notified of the lawsuit that BCFP and FTC have against XXXX and Equifax. I wasnt provided any monetary compensation. My credit report and scores were affected by the XXXX and Equifax breach.
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, TransUnion, and XXXX and have noted following discrepancies : XXXX XXXX XXXX Secured or personal loan Date acct open : XX/XX/XXXX {$990.00} XXXX XXXX date : XX/XX/XXXX
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, Capital one still charged interest {$5.00}, another dispute was submitted for other interest in previous months submitted in XXXX but no response yet why? it is simple adding all interest charged and credits given will show clearly still over charge of interest
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (NY)

Ford Motor Credit Company XXXX XXXX XXXX XXXX XXXX, NE XXXX XX/XX/XXXX & XX/XX/XXXX Date Opened Company named above claims I have paid my balance late. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I paid monthly payments late. When I did not. 
This company has failed to show, what item or service I owe them for. How or what item or service was purchased or made late payment on. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so.
Consumer complaint received 2024-04-23
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

In either XXXX XXXX XXXX, I reveieved a call from the debt collection agency stating I owed a final bill on some XXXX account. I explained that I didnt own that XXXX account or the debt that it must be in regards to my fathers account. I then stated I would pay a partial amount to just be done with it because the collector stated that regardless of who owed the debt it would be reported on my credit and I wanted to avoid this. Then a few days after that call and payment, I receieved another call from an agressive collector stating the amount owed was not for a final bill ( as originally stated ) but instead for an equipment charge. I also explained that I had no idea what he was talking about and asked for validation of the debt, that I never received, but he said it was validated by their client and that it would be reflected on my credit regardless of who owed the debt. At that point I refused to pay and stated on the recording line that I was disputing the debt, sent an email stating I was disputing the debt and demanded a proper validation of the debt. On XXXX XXXX XXXX I finally receieved some formal notice of the debt in the mail. It was not a validation letter or an itemized bill explaining the debt but just a letter stating I owed {$130.00}. I then received a phone call regarding that same debt and the representative said I owed more than what was stated in the formal notice. Due to this disprencency, I sent email alleging this was a violation of the FCDPA 807 ( 2 ) ( A ) and demanded formal validation notice and an itemized bill and proof that this debt belong to me. I received absolutely nothing from the debt collection agency. Now, I see that both XXXX XXXX XXXX and IC System are reporting the same exact debt on my credit but again with different amounts. ( XXXX : XXXX XXXX ICS : XXXX ). I have yet to receive a formal validation notice, itemized bill or proof the debt belongs to me from either agency.
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (NJ)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-04
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: Mercedes Benz Financial Services (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, MERCEDES-BENZ FINANC add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-06-29
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. (NY)

Please accept this letter as notice that you are in violation of negligence and false reporting by selling the contract without taking you to arbitration, failing to mark the account as disputed, verifying the account without providing account level documentation. According to the FCRA Section 1681e of the FCRA requires that CRAs follow reasonable procedures to ensure the accuracy of the information they collect, maintain, and provide to third parties. 

Failing to follow procedures has put me in situations where I have lost credit opportunities, higher interest rates, denial of credit, and non-economic damages such as emotional distress. Ruining my reputation and character.
Consumer complaint received 2024-04-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (PA)

IC Systems incorporated a 3rd party collection company, filed a delinquency on my XXXX credit file, this company contacted me via phone a few years back in XXXX over a XXXX XXXX bill, i both verbally and in writing notifed them i do not recognize them and send it back to XXXX, I did not owe a dime. I cancelled my monthly contract in XXXX of XXXX, the last payment was paid via electronically in XXXX, the cable company, in XXXX still continued to bill me for a service disconnected in XXXX, I had equipment due to no location to drop off or send, they did not puck up from home, I finally dropped the gear off in XXXX at a wireless location, and was given a receiit of return and balance would be removed, a few month 's later i got a new bill from XXXX, I called they said it would be removed when acct updated, in XXXX i received calls from a collection co not above, this company is a followup, they have never sent me anything supporting info of alleged debt from XXXX, I called and reported XXXX  to state atty generals office in XXXX, this alleged debt us not valid and fraudulent in charges, IC Systems has violated my rights under Fair and accurate reporting act and are to be both fined and sued by my attorneys, today XX/XX/XXXX I spoke with XXXX, they as expected referred it to fraud team, a department that over 3 yeara has yet to contact me or update account to a {$0.00} balance, this reporting has caused a drop from my prior score of XXXX down to XXXX, due to 1 negative account reported, fraudulently as a recent debt in XX/XX/XXXX, blantant fraud the acct was closed in XX/XX/XXXX by myself directly with XXXX
Consumer complaint received 2024-04-23
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Spoke to XXXXXXXX XXXX XXXXXXXX Cust. Service she stated they did receive mortgage payment XXXX XXXX XX/XX/2024, amount {$3100.00}, she didn't see a pre-foreclosure, or a foreclosure sale scheduled. Called back XX/XX/2024 spoke to XXXXXXXX XXXX XXXXXXXX Loss Mitigation she stated a referral was sent to XXXX XXXX for foreclosure, there is no foreclosure scheduled. XX/XX/2024, called back 3rd time Transferred to XXXX XXXXXXXX XXXX XXXXXXXX requested the portal be corrected on my account from showing error when I trying to make my mortgage payment online in the portal attached to my account. Requested escrow shortage amortized over 60 months several months ago have not received a response. She stated they didn't see the letter to amortize my escrow shortage. Advised I should resubmit it. I have been given information on my account that was different and misleading each time I spoke with SPS servicing team. 

SPS LN XXXX XXXX
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (LA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-04
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: EQUIFAX, INC. (NY)

I reviewed my credit report and i noticed some unauthorized inquires on my report which means some type of fraudulent activity was taken place. I ask that the following Hard inquiries listed in my FTC report to be removed.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

My XXXX XXXX XXXX and fifth third credit card was stolen in XXXX  and used along with my XXXX  prepaid card. When I contacted the credit card companies they stated they would close the account and XXXX required that I file a police report. I filed a police report for the XXXX card but did not for the other XXXX cards because I was not instructed to do so I was only informed the cards would be closed and charged off. XXXX XXXX XXXX bought the debt and is now suing me for this debt. I was informed by them that I had to fill out an affidavit regarding this debt at FTC.gov.
Consumer complaint received 2023-05-23
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: SYNCHRONY FINANCIAL (PA)

I received notification that there was a hard inquiry on my credit report on XX/XX/ by XXXX XXXX ( BANK ). I called the SYNCB number and they were unable to find what a credit inquiry was requested and forwarded me to XXXX. XXXX said, before they could do anything further, that I needed to file a report with the FBI, who sent me to this website.
Consumer complaint received 2021-01-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX, TRANSUNION, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2023-06-29
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)

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 XXXX Account name : XXXX XXXX  Account 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 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX had falsely put a balance on my credit in which I reached out to them and they did remove the balance and sent me an email proving it. I go to XXXX XXXX to dispute it also uploading a photo for proof but you guys are saying that the information is accurate. So its clear that someone didnt do they job and follow up.
Consumer complaint received 2023-06-29
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. (IL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (VT)

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I C SYSTEM Reported : XXXX. XXXX, XXXX - {$220.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I C SYSTEM Reported : XXXX. XXXX, XXXX - {$220.00} Needs Attention I have report your company to XXXX As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-28
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)

I have attached an FTC report with an account and inquiries I did not authorize and need to have them deleted, Please also update my personal information which is wrong
Consumer complaint received 2023-06-29
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)

I have no knowledge of this account. This account showed up on all 3 of my credit reports. Please remove this incorrect information from my credit reports. All 3 of my credit scores have dropped XXXX plus from this false information being added.I have no knowledge of this company, nor have I authorized them to use any of my personal Information. 

Account appears as : Name of Reporting Agency : XXXX XXXX XXXX Reporting opened : XX/XX/2023 ( 4 mos )