davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (IL)

I were a victim of identity theft and had multiple phone lines, bank accounts, inquiries that werent me and they seem not to do anything about it. XXXX is saying I owe them {$1100.00} and I never had them as a personal phone company. My wallet was lost and stolen about 3 years ago then another time a year ago.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

this credit card account is my ex girlfriends and she listed me on the card as a signer i never got a card and i have never used this card she has tried to get them to removed me from the card she has verified that it wasn't my card and i never used any of the balance on the card and they still refuse to removed me she has verify to navy federal that this debt isnt mine and has yet to get resolved to it
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My lease vehicle was deem a lemon by NYS lemon Law arbitration on XX/XX/2023. In the decision XXXX was to refund my payments within 30 days and my lease agreement was void. I have been back and forth with XXXX since then. They acknowledged receiving the judgement but would not do anything more. In the mean time XXXX started reporting me late on payments for XXXX, XXXX and XXXX destroying my credit score. I have submitting proof that I am not responsible for anymore payments but they continued to report incorrect information to all three reporting agencies. I have tried to get it off my report but has been unsuccessful even with the proof.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My lease vehicle was deem a lemon by NYS lemon Law arbitration on XX/XX/2023. In the decision XXXX was to refund my payments within 30 days and my lease agreement was void. I have been back and forth with XXXX since then. They acknowledged receiving the judgement but would not do anything more. In the mean time XXXX started reporting me late on payments for XXXX, XXXX and XXXX destroying my credit score. I have submitting proof that I am not responsible for anymore payments but they continued to report incorrect information to all three reporting agencies. I have tried to get it off my report but has been unsuccessful even with the proof.
Consumer complaint received 2023-05-02
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. (FL)

I appreciate you making the effort to update and delete some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-18
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. (VA)

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 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I was illegally evicted from my apartment and forced to take everything I could fit into my car and stay in Hotels in XXXX California. As it was high season I had to change hotels almost on a daily basis. There are numerous charges duplicated on my credit card. I have not only been charged by XXXX, XXXX and XXXX but also at the hotels. They are only supposed to take my credit card number to hold the hotel room for me until I arrive but I have been debited twice for the full stay. This adds up to thousands on my credit card. My credit score has dropped from XXXX to less than 600 and I can not get an apartment without a credit score of 700+ I'm currently staying with a friend in XXXX XXXX , Ca until I can get this a sorted out.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I tried to send a letter to XXXX XXXX XXXX for a validation of debt. I used the address that XXXX has provided to all three credit reporting agencies and the letter was returned back to me for " unable to deliver - vacant '' - I then sent Equifax, XXXX, and XXXX a letter with a copy of the envelope to remove this debt for violating FCRA Sections 623 ( a ) ( 1 ) ( AR and ( a ) ( 1 ) ( CR.

PLEASE know it states the following : The responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( AR and ( a ) ( 1 ) ( CR All three credit reporting agencies have still not removed this account. 

Ive attached the copy of the letter to each CRA, the envelope showing the return, the copy of the credit report showing the address that ecmc reported to the credit reporting agencies.
Consumer complaint received 2022-11-25
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: Experian Information Solutions Inc. (NY)

On XX/XX/22 i file a cfpb complaint with Experian and XXXX and still haven't Responded, modify, or deleted anything. This is against my rights its been 30 days as well. 

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, Account name : XXXX # XXXX 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 2018-04-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kimball, Tirey & St. John LLP (CA)

me and my husband moved out of apartments in XX/XX/XXXX 2016 the landlord was retaliating against us they alleged non-payment but they refused the payment out of spite because my husband complaint to the housing commission, the landlord ended lying to the court and obtaining an agreement with us to pay them monthly and we paid them monthly the sum of {$350.00} every month now sunbow partners has sued us in court alleging that we still owe {$800.00} and has not notified us at all, we never got served nor did we ever receive a bill or explanation that we still owe them, XXXX XXXX with kimball tirey and st.john 's help obtain a false judgment they duped and lied to the court they never notified us of the suit. they have violated our FDCPA rights which are federally regulated.
Consumer complaint received 2023-09-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (MD)

Auto company stole my property that has nothing to do with the alleged debt collection. They gave out my personal information to 2 third party who then trespassed on my private property. This is a clear violation of federal law
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-18
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)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$390.00} ; XXXX XXXX ( Original CreditorXXXX XXXX ) XXXX Balance Owed : {$690.00} ; XXXX XXXXXXXX Balance Owed : {$830.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I had been struggling with Identity Theft for over a year, so I contacted XXXX XXXX to help me. They set-up an Escrow Account & contacted all my Creditors & started paying off some of my debts after negotiating new terms with them. This was really taking a long time, so I decided to refinance my house to finish off paying these debts. XXXX XXXX XXXX  contacted XXXX XXXX to get the negotiated terms with the Creditors & after closing on my Mortgage, XXXX XXXX XXXX paid off most of my debt. XXXX XXXX had been paying XXXX XXXX  for XXXX time & the balance was down to {$6600.00} which was paid to XXXX XXXX with Check Number XXXX dated XX/XX/XXXX & cashed on XX/XX/XXXX. On XX/XX/XXXX I received my updated Credit Reports. Much to my dismay, my XXXX report showed that XXXX XXXX was still reporting my account ( closed on XX/XX/XXXX ) as Delinquent with a Balance Due of {$8400.00} past due. My XXXX Credit Card XXXX XXXX XXXX XXXX had an {$8000.00} XXXX XXXX which I never requested increased. So when my Balance showed {$16000.00}, I called XXXX XXXX  XXXX asked them how my {$8000.00} Credit Limit Credit Card got to {$16000.00} & they couldn't tell me! Well, it was FRAUD & I told them so, I refused to make any more payments. Over the past 18 months I have made several DISPUTES with XXXX XXXX  & they continue to demand payment & send my account to several different Collection Agencies. I contacted the Collection Agencies & told them about the FRAUD & they sent the account back to XXXX XXXX because they can't collect on FRAUD. Each month XXXX XXXX  reports my account as Delinquent to the 3 Credit Bureaus & is messing with my Credit Score when they were PAID IN FULL for the remaining Balance on my account. XXXX XXXX  keeps hounding me & destroying my Credit Rating while trying to collect {$8400.00} " past due ''. I am tired of this XXXX from XXXX Bank denying they were paid! So many DISPUTES were filed over the past 15 months all with negative results. I contacted XXXX XXXX XXXX  & asked for their help. XXXX XXXX, Senior Mortgage Advisor & I did a conference call with XXXX XXXX  trying to help me resolve this, but like all the previous calls I made with XXXX Bank, NOTHING WAS RESOLVED!! So I am hoping the CFPB can straighten out XXXX XXXX! I don't owe them anything!!! I want my XXXX XXXX repaired! XXXX XXXX  has been falsely reporting me as delinquent for 15 months.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (TX)

This is in response to complaint XXXX. You have provided nothing validating the current balance on the account. I contacted the original credit XXXX XXXX  and that is not the balance owed. I also requested your company to pay the invoice for the many FDCPA violations in which you did not. I will be moving forward with taking legal action. You also failed to provide the letter that was sent to me informing me that the account was being sold to your company. Once again I am requesting the removal of this account and the requested information as I have this right. I assume if you do not provide ALL information requested that this account is incorrect and will be removed immediately. Please refer to the attached documents.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXXXXXX XXXX XXXX # XXXX IDENTITY THEFT XXXX # XXXX IDENTITY THEFT XXXX XXXX XXXX  # XXXX IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (TX)

This is additional documents for complaint XXXX. The evidence will show that NCA conducted gross misconduct, negligence, fraudulent and incorrect reporting. How are you reporting a balance with an additional XXXX dollars?? When supposedly you do not add fees. The original creditor did not acknowledge that your company was owed anything. This complaint alone is more than enough proof to sue your company. Please reference my other XXXX complaints in which I am keeping a paper trail and remove this incorrect account.
Consumer complaint received 2023-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/2023 a transaction was placed in the amount of {$50.00} sent to a XXXX XXXX account, I did not authorize this transaction. 

On XX/XX/2023 a transaction was placed in the amount of {$50.00} sent to a XXXX XXXX account, I did not authorize this transaction. 

It is now XX/XX/2023 and Venmo is still refusing to give me my money!
Consumer complaint received 2023-09-08
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. (MD)

I am refilling my complaint to TRANSUNION. I believe that my information is being misused and reported as inaccurate and this is complaint to TRANSUNION. In my credit report from XX/XX/2023, I still found these unauthorized inquiries reflecting in my credit report, that I was not aware of .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-08
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. (IL)

In accordance with the Fair credit reporting act this creditor has violated my rights Under 15USC 1681 Section 602 stqtes I have the right to privacy Under 15 U.S.C 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C 1666B a creditor may not treat a payment on credit card account under an open and credit consumer plan as late for any purpose and I demand that all its listed below be deleted Under 15 U.S.C 1681 section 604 A Section 2 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.

Under 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX stated in previous complaint that XXXX XXXX XXXX XXXX loan was updated as paid in full on my credit report on XX/XX/2023. XXXX has lied about updating my credit report to show that XXXX XXXX XXXX XXXX has been deleted or updated as paid in full. The Auto loan became part of my income {$19000.00} 1099-C and filed with the IRS. I will attach my previous complaint report and my recent XXXX credit report to this complaint.