davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I purchased a car XX/XX/XXXX and noticed my signature has been forged and identity theft was committed said date the contract was established with XXXX XXXX the initial contract has been assigned to a 3rd party dealer without my consent or knowledge meaning the initial retail installment contract I signed with my true signature and the contract that has my forged signature is not the same nor did i willfully give any consent for anyone to sign said contract on my behalf i was tricked forced and coerced into this contract with Credit Acceptance for {$41000.00}. XXXX XXXX withheld pertinent information from me for example my right to rescind, falsely stating optional features are required. I've sent 3 letters to credit acceptance on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all via certified mail to exercise my right to rescission and taking steps of filing for identity theft XXXX and called their corporation on this day XX/XX/XXXX to let them know of this fraudulent account and awaiting a response. This has caused me tremendous XXXX  XXXX discomfort and damage..
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (GA)

For last year between XX/XX/XXXX XX/XX/XXXX Being receiving pre approved notices through emails and notifications from XXXX XXXX stating that I was pre approved for credit cards for at least XXXX And when I applied it was XXXX approved and it all was denied but they keep sending them XXXX XXXX times a week Its stressful because it lies and get your info and you apply over and over loosing points and was hoping to get approved. I really needed the money for medical bills it has caused harm stress and affected my credit by multiple inquiries and also medical stress and denial from other companies I ask them to stop and has not! 
My score is dropping and their saling my information for profit while I struggle its cause great stress and affect my living!
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (GA)

I want to inform you again I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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)

I want to inform you again I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (KS)

XXXX calls in a row all at XXXX on XX/XX/2024. No message left even though I have verified my number with them and asked for verification letter. Verification letter sent does not match last balance. Asked for proof of purchase for debt but none was provided. MCM or Midland Credit Management , Inc. Is in violation of the XXXX call regulation as I understand it and is possibly using a VOIP to attempt more calls which numbers can't be confirmed due to no voice mail being left to identify themselves as MCM. This has been considered a form of harassment in the past and if allowed to proceed with these tactics can get worse.
Consumer complaint received 2022-12-21
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2024-03-06
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)

i wrote your company last month on XX/XX/2024 and im being ignored which is a violations as my rights. By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation
Consumer complaint received 2024-03-07
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. (PA)

I am attaching details my score should be XXXX they need to stop lowering my scores and finish removing all the fraudulent information off my report which is not suppose to be on there they are not complying with removing fraudulent accounts
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be updated promptly. 
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 XX/XX/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 2023-05-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I submitted a request to confirm the method of investigation for the validated information. The credit bureau did not respond to my request. The responded saying that they updated my results. This was not what I requested and they 100 % did not honor my request.
Consumer complaint received 2022-12-21
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

XX/XX/XXXX -- Disputed a Public Record item appearing within my credit file with Equifax as a result of the company 's Violations of Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681 ) reporting requirements but also Violation of FCRA 623 ( b ) ( 1 ) which states : FCRA 623 ( b ) ( 1 ), credit reporting agencies or furnisher of information being reported which turns out to be inaccurate, incomplete, or cant be verified, must be permanently deleted. *** As per Section 609, I am entitled to see the original furnisher or source of the information and in this case the original furnishers is/are : the US Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX The original furnisher ( s ), the US Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX, do not report to any credit reporting agencies to include Equifax, XXXX, XXXX, or XXXX. Neither does the Court report to any third-party credit reporting agency furnishers or reseller of information. This rule applies to All US Courts therefore any statements alluding to Equifax stating the information being reported within my credit file with their company as verified and accurate is an error or a lie. Either way Equifax reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and 623 ( b ) ( 1 ) therefore the information must be deleted immediately. ** Equifax also intentionally opened a duplicate FCRA Violation Dispute on XX/XX/XXXX ( XXXX ) to prolong this investigation, disconnected XXXX of my calls and sent me to the company 's survey questionaire while I was talking to a supervisor about the matter, and also kept my second call to the company of XX/XX/XXXX for more than 30 minutes after asking for a supervisor and also to speak to the Consumer Affairs Dept Rep who created the duplicate dispute on XX/XX/XXXX ( *See Phone Log Attachment )
Consumer complaint received 2018-10-11
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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (NJ)

I had an account with TD Card Services that went into default and I was working with XXXX XXXX XXXX XXXX to clear the debit. 
On XX/XX/2018 I received the letter in the mail from XXXX XXXX XXXX XXXX that my TD Account ending in XXXX had been settled and my debt was satisfied. I was told by XXXX XXXX that it may take a couple of weeks for TD Bank to report the change to the credit bureaus. Today, XX/XX/2018 I checked my credit report with XXXX   and saw that TD Bank is still reporting Charged off on my account, it is still open and still showing that I have made 0 payments. I called TD bank at XXXX and spoke with XXXX operator ID XXXX who refused to let me speak with supervisor and hung up on me. 
I then spoke with XXXX XXXX at XXXX XXXX who told me there is nothing he can do about it because they do not do the reporting to the credit bureaus, that I needed to call TD Bank back and speak with a supervisor. I called back and got Supervisor XXXX on the phone, ID XXXX who told me I needed to call Admin Recovery because it had been more than 181 days since the account went into default. 
I tried to explain that back on XX/XX/2018 when the account was settled it was not XXXX and this issue, if dealt with in a timely manner, would not now be 181 days out. She said she would have to escalate it to another department but offered me no info on call back but told me I could try and call her back. She stated there probably is not anything I can do. When I brought up the Fair Credit Reporting Act, she became defensive and told me I needed to go and start a dispute with the credit bureaus, which I have already done. This system is broken and it is impossible for an individual to be treated fairly. These agencies talk to you like you are losers because you had some financial trouble and they don't want to help you.
Consumer complaint received 2022-12-21
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX 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 2022-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

My XXXX XXXX XXXX mother had accounts with wells fargo for years. When she past away in 2018, the bank listed accounts she had no information on. Her accounts were suddenly overdrawn. No one ever explained to us why they took the money
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

NOTICE OF FAULT. EQUAFAX continues to report erroneous information that is not in uniformity with the other reporting agencies. This erroneous reporting is causing liability and possible irreparable damage not only int the private but also to my business. This is a continually yeah issue with Equafax in the event they can not correct us we will take legal action. Thank you.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid 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: CLGF Holdco 1, LLC (CA)

I have two credit cards with Genesis FS. Yesterday I received a fraud text on my Milestone Card and Checked today on my Indigo Card. I have reported this issue top the company for each instance. They can not tell my why or how someone was able to change my address and email on their site on my profiles. Both credit cards mailing addresses were changed without my knowledge or approval to an address in Pennsylvania. The fraudulent information is : XXXX XXXX XXXX XXXX, PA XXXX Fraudulent email is : XXXX NOTE : This physical and email addresses are in no way affiliated with me.
Consumer complaint received 2022-12-21
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NY)

Citibank blocked my savings account with XXXX dollars for XXXX month and a half I couldnt pay my rent and my bills I have a Citibank credit card that I couldnt pay because Citibank hold my money now Citibank report me to credit bureaus while theyre holding my money I lost so many points on my XXXX XXXX.
Consumer complaint received 2023-02-03
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. (TN)

I'm asking you to adjust this suspicious data a number of times. I will file a lawsuit against you because I believe you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my prior COMPLAINT #, and I'm including it once more. Please don't disregard my plea to correct these false entries in my file.

Original Creditor : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-03-06
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. (OK)

I first disputed the account regarding the balance of {$1700.00}. I advised not even the rent was that amount or close. The lease was broken due to unlivable conditions, which Oklahoma law permits without penalty can be done. I supplied a video link of the living conditions in question. Other fees assessed are incorrect as the property has not supplied any evidence to support the additional cleaning or fees from cleaning the property after it was vacant. I request for deletion of the Collection account from XXXX with the balance of {$1700.00} from my credit report. No deletion occurred. I submitted a second request with the following comments : Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, This company has no permission to report anything using my info pursuant to 15 USC 1681 4. Again, the account was not deleted.
Consumer complaint received 2017-03-26
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (CA)

I received a credit card from Chase ( labeled as XXXX rewards XXXX ), without ever applying for it. After calling chase, to inquire about what was going on, they rushed to cancel it without providing me any feedback on what has actually happened. They also did not give me the option to keep the account and re-issue another card ( I figured the harm was done and my credit score was already hit, why not keep the card ). After seeing I can not get the information I was expecting from the customer service on the phone ( as I was worried about identity theft ), I had to make a visit to their branch and was given the contact of the " Fraud Specialist '' who was working on my case. 

Talking to her, I realized how uninformed she was on doing her job. She claimed " hackers '' were able to obtain my information such as email and mother 's maiden name to apply for the credit card and take advantage of saving XXXX dollars in XXXX. The only way that I could see this happening, is one should be able to get my XXXX user/pass ( as the XXXX account has been working before and after this event and I did n't see any fraudulent activity ), then apply to that credit card on my behalf, and most probably be forwarded to the chase web site where he/she should have answered some credit-related identity questions ( credit report does not include anybody 's email or mother 's maiden name ). That is a large amount of private information ( XXXX user/pass and correct answers to credit-related identity questions ) and if the hackers had access to them, they could have done a lot more harm than just saving XXXX dollars in XXXX. I have had a credit monitoring service since that time and have not seen any problem in my XXXX account and/or credit report. I also need to add that I am quite well-versed in IT security and computers ( I am a XXXX myself with experience cryptography ). So the possibility of somebody hacking into my computer is negligible to none. 

Searching internet, I found a lot of other people in my shoes ( and sometimes a large group of people, check http : //optometrytimes.modernmedicine.com/optometrytimes/news/developing-story-ods-targeted-credit-fraud for example ), to me it looks like there is a loophole between XXXX and Chase, that hackers have been trying to take advantage by bypassing the XXXX account login and Chase credit-related identity questions. Hopefully there are more experts in chase handling similar cases and they are more experienced on these topics than the one I interacted with. 

Finally, I was told that the credit inquiry from XXXX will be removed from my report in XXXX days. The above happened in XX/XX/XXXX and XXXX months later ( XX/XX/XXXX ) I can still see the credit pull. I want that entry to be removed from my XXXX credit report.
Consumer complaint received 2024-04-30
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Uplift, Inc (MT)

I was reported by uplift as having XXXX open loans in XXXX of 2023 that were not accurate to my history. I lost XXXX points in XXXX for the reported multiple loan 's not acosiated to me. I have been in contact with uplift and verified its inaccurate and they have a dispute filed also. I have been told uplift as of XXXX now reported to XXXX credit reports and the information was wrongly reported multiple times in my credit score. I would like to inquire about this as well as my points described above as a major impact on my account and if it would be corrected and if I will get my credit score back now. Uplift claims to report every XXXX  days yet its XXXX  months later they have added wrongly, why?
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1977 I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate.