davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (FL)

XXXX XXXX IS VIOLATING MY RIGHTS TO PRIVACY. THEY CONTINUE TO BREAK THE LAW ACCORDING TO FCRA SECTION 605B. LET THIS BE PROOF OF THEM NOT HAVING ANY PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS TO OPEN THIS FRAUDULENT ACCOUNT BY ME DIRECTLY AS I HAVE SENT IN POLICE REPORT AND IDENTITY THEFT REPORT ACCORDING TO FCRA SECTION 605B THAT THIS IS FRAUDULENT ACCOUNT. 

( SEE ATTACHED ) POLICE REPORT, FTC IDENTITY THEFT REPORT THIS IS PROOF XXXX XXXX HAS NO WRITTEN INSTRUCTIONS/AUTHORIZATION BY ME TO OPEN THIS FRAUDULENT ACCOUNT WHICH HAS RESULTED IDENTITY THEFT. 
ACCORDING TO THE FCRA SECTION 605B YOU MUST REMOVE AND BLOCK ANY FRAUDULENT ACCOUNT ONCE RECIEVED DOCUMENTS ATTACHED WITHIN 4 DAYS OF RECIEVED IF YOU CAN NOT PROVIDE ME WITH PROOF WRITTEN AUTHORIZATION/INSTRUCTIONS BY ME VALIDATING MY IDENTITY BEFORE THE ACCOUNT WAS OPEM IF YOU CAN NOT PROVIDE ME PROOF IT IS CLEARLY STATED IN SECTION 605B OF THE FCRA THE FRAUDULENT ITEM MUST BE BLOCKED AND REMOVED THIS WILL BE MY PROOF OF ME SENDING XXXX XXXX ONCE AGAIN THE REQUIRED DOCS ( SEE ATTACHED ) AND PROOF THEY DO NOT HAVE ANY PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS TO OPEN THIS ACCOUNT BUT ONLY HOW THE IDENTITY THEFT HAPPENED THIS IS NOT ENOUGH INFORMATION AND IS ENABLEMENT IN IDENTITY THEFT AMD DEFAMATION OF CHARACTER BY CAPITAL. XXXX XXXX STATED EQUIFAX AND XXXX MUST DELETE OLD ADDRESSES FOR THEY CAN NOT SO LET THIS BE PROOF THAT IT IS EQUIFAX AND XXXX DUTY TO REMOVE AND DELETE THE ADDRESS XXXX XXXX XXXX XXXX FL XXXX FOR THJ IS A FRAUDULENT ADDRESS.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2022-10-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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 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
Consumer complaint received 2023-06-20
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. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness
Consumer complaint received 2018-12-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diaz & Associates, Inc. (WV)

On XX/XX/XXXX I was informed that the mentioned business called my place of work and a message was taken. I then called the company and a XXXX answered and verified my information. I asked what this was in reference too. He then advised that it was in regards to a account in collections that his office received today. I inquired to what account and for what amount was in collections. He advised me that it was for a XXXX Account from XX/XX/XXXX for an amount of {$990.00}. He also advised me that they were trying to get in contact with my local police department to serve me with a summons to appear in court. He gave me the information and gave me two payment options. I then paused while I was looking up the business on XXXX. He kept asking me if I wanted to take care of this and I told him to hold on for a second. I did this 3-4 times. He got angry and advised me since I would not take care of this today he was going to put it onto my credit history. He then got even more mad and told me he did not want to talk to me anymore and not to call him. He then hung up on me. I was never given a debt collection statement. I also asked him to verify the debt and he refused. He stated that they sent something out in XX/XX/XXXX for a account that was given to there office today. I then called the company back and spoke with XXXX again. I told him I think we got disconnected and he said he hung up on me and that he doesn't want to talk to me anymore.
Consumer complaint received 2023-01-04
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 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.
Consumer complaint received 2023-07-20
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. (CA)

This fraudulent XXXX XXXX account doesn't belong to me. I've been disputing it for over a year but XXXX and EXPERIAN refuse to comply. They haven't provided any documentation validating this account. All they do is send me automated validation letters without merit. It's causing me great anguish, XXXX, and XXXX  thoughts. I've been denied approval for a home because of this account. Please remove immediately once and for all!
Consumer complaint received 2023-07-08
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: EQUIFAX, INC. (TX)

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 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IL)

I requested a refund of {$6500.00} because I made payments towards my student loans after XX/XX/2020. When I contacted EdFinancial, they told me that they do not know when the {$6500.00} will be refunded to me. It has been over a week now and I have yet to receive any updated or the funds.
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

To whom this concerns, I went through a divorce in 2020 and XXXX XXXX XXXX from XXXX XXXX XXXX told the respondent XXXX XXXX that he needed to pay 50 % of the acquired joint debts within the legal documentation of the Divorce Decree. ( Please see attached Decree ) page 4, P-2 ( c ) I want to pay my portion of the debt that was ordered by the Judge and after which I would like for the debt to be taken out of my name. I contacted The National Credit Systems several times over the last 2 years who hold the fore mentioned debt and they told me that I have to pay the entire amount of {$6100.00} with no offer of reduction, even though I explained to them that I was only responsible for 50 %. I also told them that previously I received a reduced offer of {$3000.00}. They stated that wasnt their problem and I would have to pay in full. I also recently received documentation that didnt correlate, the rent was {$1500.00} and I was told the 2 months rent was suppose to have be paid however they added a reletting fee of {$3000.00} but the were able to rent the apartment out shortly after. So I am unsure of why there was a charged if the said apartment was rented. 

XXXX XXXX was awarded the house and had access to pay his portion of the debt and the joint credit card debt but he hasnt attempted to do so. The respondent has somewhere to live but as it is a broken lease although he told me that that he handed in the required notice. So now, I am the one having difficulty finding accommodation and with the current situation of hard economic times I am sure you understand why this is imperative to achieve a solution. 

Please can you look into this and assist Kind regards XXXX XXXX
Consumer complaint received 2022-10-20
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. (FL)

Well the company has stolen my personal information to sell to credit bureaus and has refused to delete from my credit. As per United States, bankruptcy court. The United States Bankruptcy Court does not report any Information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Bankruptcy filings are publicly available records.with that bin said they are fraudulent reporting to Trans Union
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2022 at XXXX, someone applied and was approved for a Bank of America XXXX XXXX Banking account. I called Bank of America and they transferred me to the fraud department who stated this account was opened online in my name using my social security number, date of birth, and other identifying information. To my knowledge I have not had any cards or IDs stolen. They were able to close the account which had a balance of {$0.00} and said it was being investigated through their department.
Consumer complaint received 2023-07-05
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. (PA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX 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 2023-07-05
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-28
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. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC. (DC)

First of all they was over charging me cus no way I still owe the same amount wen I got it over 2 years ago and also I told them come get it because the transmission went out I had a bad car from jump engine light was on since I left the lot
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank XXXX XXXX XXXX Account Payment Due Date XXXX XXXX Paid balance In full : XX/XX/XXXX Balance Amount : XXXX After Paying my balance in full, I discontinued autopay XX/XX/XXXX - {$2.00} fee added to my account XX/XX/XXXX - {$2.00} fee added to my account XX/XX/XXXX - {$2.00} fee added to my account XX/XX/XXXX - {$6.00} fee added to my account XX/XX/XXXX - {$2.00} fee added to my account XX/XX/XXXX - {$14.00} fee added to my account XX/XX/XXXX - {$2.00} fee added to my account XX/XX/XXXX - Finance Charge refund of XXXX cents XX/XX/XXXX - I logged online to pay balance of {$30.00}, the balance shown online. 
XX/XX/XXXX - Total Fees of {$30.00} were posted after I made payment. This amount was not showing online when I paid on XX/XX/XXXX as I paid the full balance. 

Furthermore, no statements are available past the XXXX Statement. I continue to get fees as recently as XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

These accounts are not mine, I noticed them when trying to make a purchase. XXXX XXXX {$8000.00} opened XX/XX/2021 XXXX XXXX XXXX XXXX {$3100.00} opened XX/XX/2021 15 u.s.c 1681 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2023-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. 

Transunion has the incorrect address for me on my credit report. I will upload utility bill showing my correct address.
Consumer complaint received 2022-10-20
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: EQUIFAX, INC. (CA)

I submitted a complaint to Equifax, XXXX and XXXX denoting that I had been a victim of identity theft by reason of lack of consent and permissible purpose ( 15 USC 1681b ). I attached an FTC identity theft report along with all the alleged accounts that were being furnished on my consumer report. According to 15 USC 1681c-2, information that has been identified by the consumer ( me ) to be a result of identity theft must be blocked within 4 business days of the receipt by such agency. It has been 30 days and I have yet to have the information blocked as well as I have not been able to garner a response from any of consumer reporting agencies. These are clear violations of the FDCPA.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I found inaccurate information in my EQUIFAX credit report. I tried to fix the issue by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as Payment status, payment history, date opened, and balance are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C. Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MO)

This is from a phone company of XXXX, they sold a phone that was outdated to began with ( without 5G ), I paid this company for the monthly bill of over {$70.00} a month ( take a look at my credit cards for those charges ) for 11 months, but was never able to even connect to the internet ( photos have been sent to the company, XXXX of phone saying " NO INTERNET CONNECTION '' ; as well as the Missouri Attorney General ). They claim I was under a contract and liable to pay, but the phone sold was out of date ( NOT A 5 G ), and would NOT connect to the internet. They claim I owe them {$170.00} in which I will NOT pay for a service NOT rendered. This phone company left me in below zero temps without phone service and NO heater in my auto. I owe them nothing ; they owe $ $ $ $ $ thousands.
Consumer complaint received 2022-10-20
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. (GA)

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB that Credit Bureau closed my complaint to protect my PRIVACY. I called the 3 bureau after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Consumer complaint received 2022-10-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (NC)

I was 3 months behind and the loan was charged off on my account in XXXX of XXXX. Some lady who worked with the company called me literally everyday from sun up to sun down leaving me quite a few messages. Shortly after that is when I saw they reported a charge off on my credit. I was still in possession of the car for an additional 6 months after. I attempted to make a payment anyway but couldn't and the called to only be given the run around on who I needed to contact. I emailed them telling them where I was located and that they could come get the car. After a few more months go by, the car is no longer sitting outside my house. While of this is going on they were still reporting charge offs on my account. They just reported a charge off again in XXXX of XXXX. I contacted them several times to ask if they could removed it from my report. to my knowledge, if they reported a charge off then that means they received a XXXX and is considered taxable income. That means they are reporting income on my credit report. They were paid for it but they never sent me a XXXX At the time I had just got the car in XXXX of XXXX. I paid in XXXX of XXXX. I lost my job but was finally starting a new one. Again I became 3 months behind and then they charged it off my account immediately. The amount was {$10000.00}. They are trying to prevent me from being able to get another loan or any source of credit and its working. I've been turned down jobs and housing because of it.