davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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. (DE)

After looking over my consumer report I've noticed that XXXX is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection, Section ( c ) Ceasing Communication, I ask that the creditors cease communication with me which also includes removing these accounts from my consumer report which by definition is a form of communication.

Violations listed below : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681b - Permissible purposes of consumer reports15 U.S. Code 1681i - Procedure in case of disputed accuracy, Section ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S. Code 1681e - Compliance procedures
Consumer complaint received 2022-11-01
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Consumer complaint received 2023-06-21
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

Someone at a bank ( XXXX ) opened an account fraudulently under my name. So they used my name and social security number. The bank and the Equifax XXXXredit reporting agency refuse to remove the fraudulent information in the report, claiming the the identification information matches my name... yeah, because that's how identity theft works. I have included ANOTHER FTC Identity Theft report, showing that this is a case of fraud, and have gone through all the proper channels of reporting it to local and federal authorities. Now, it is EQUIFAX that is violating the fair credit reporting act by not removing the fraudulent information in a timely manner.
Consumer complaint received 2021-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

To whom this may concern I am XXXX several disputes to Experian XXXX and XXXX about these hard inquiries that have been placed on my credit report due to XXXX XXXX activity I have been a victim of identity theft for the past seven years and I have also locked up my social security number and they'll still let people do inquiries on my account when it is locked I have complained to this company I've complained to all 3 bureaus and nothing has been done if you look at my credit report I have no credit 's all of my debts which I really have none I just took out a lease lease the car I'm up to date on my payment I don't have not ever
Consumer complaint received 2017-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (TX)

I had an outstanding bill for XXXX XXXX XXXX XXXX XXXX XXXX for coinsurance. I was not aware of the bill, as I am on the road every week for work. Once I noticed the bill on my credit, I reached out to XXXX XXXX XXXX XXXX XXXX to make the payment. They accepted the payment and I was informed that this information would be deleted from my credit report. However, I spoke with the collection agency and they told me that even though I paid XXXX XXXX XXXX it would not be deleted from credit reporting, as I was paying with them directly. It was my understanding, that a paid debt to the original creditor could not be collected on or reported to the credit bureau. I have paid my bill in full to the original creditor
Consumer complaint received 2023-07-03
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. (NJ)

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 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX has reported my account late when it has never been late. The funds come out of my account every month through ACH transfer on the XXXX and XXXX of every month. I provided them documents to have them correct it but they still havent made corrections. Can you please assist me?
Consumer complaint received 2017-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Linebarger Goggan Blair & Sampson LLP (TX)

On  XXXX   XXXX    XXXX  , I received another collection call for a debt owed by a  XXXX   XXXX . There is not and never has been a  XXXX   XXXX  at this number. I have received monthly calls from multiple debt  collectors, and feel very harassed by this. Not one debt collector will divulge the originator of this harassment. I do not feel that these debt collectors are using due diligence when they continue to co ntact persons not affiliated with the debtor.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-07-03
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. (TX)

The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.
Consumer complaint received 2023-07-02
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. (CA)

I have submitted numerous requests to XXXX, XXXX, and Experian to remove the Collections account XXXX XXXX  XXXX XXXX for {$4600.00}. I have also contacted the predatory collection company of XXXX XXXX  XXXX to let them know that this is not my account and explained to them why and then never responded. This is not my account and is a fraudulent account. In 2019 my Mail Box was broken into many times and sensitive information was stolen. When XXXX XXXX  XXXX sent me the validation of ownership the information was not mine. The physical address was not mine, the email address was not mine, the phone number is not mine, and the bank account where the money was deposited was not mine. I have attached the paperwork that they sent me that contains information that is not mine. This proves that it is a fraudulent account and needs to be removed from XXXX, XXXX and Experian Credit Report ASAP as it is stopping me from refinancing my mortgage.
Consumer complaint received 2021-05-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

Loan was paid off ( XXXX balance ) in XX/XX/XXXX. At this time, the lien still has not been released after 15 months. I have called company twice and sent an email in the past 10 days. Thus far, nothing has changed. 

The company is Kia Motors Finance USA. The vehicle a XXXX XXXX XXXX, VIN XXXX was purchased XX/XX/XXXX. Account number is XXXX. Loan showed a XXXX  balance as of XX/XX/XXXX.
Consumer complaint received 2021-03-06
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. (NY)

On XX/XX/XXXX, I was a victim of identity thief. There were multiple accounts open under my name & I reported this to the the company XXXX XXXX & credit bureaus including Equifax. They have yet to remove a fraudulent hard inquiry on my credit report known as theXXXX inquiry from XX/XX/2020.
Consumer complaint received 2023-06-21
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. (DE)

After looking over my consumer report I've noticed that Transunion is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection, Section ( c ) Ceasing Communication, I ask that the creditors cease communication with me which also includes removing these accounts from my consumer report which by definition is a form of communication.

Violations listed below : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681i - Procedure in case of disputed accuracy, Section ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S. Code 1681e - Compliance procedures
Consumer complaint received 2023-03-07
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: Lendmark Financial Services (MD)

This company is reporting to my credit profile. The company has stated that they do not have a account that the can verify as being my account. The company needs to remove their information from my credit report. 

XXXX should also remove this from my credit report for which the company has clearly stated that I do not have an account with them that should be on my credit report.
Consumer complaint received 2017-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I went to Equifax 's webpage that they say is supposed to let you look up whether or not I was affected by the recent data breach. I entered the information that they requested to look me up ( last name and last five digits of SSN ).
It did not tell me whether or not I was affected. It did, however, seem to indicate that I was now signed up for some credit monitoring service that they 're pushing. Poking around on the internet, I have seen people saying that signing up for that means that you waive some of your rights, for example to sue them.
I did not sign up for that. I went to their page which said something like " Enter your name and last five digits of your social security number to check whether or not you 're affected. '' I noticed nothing on that page which said " Enter your name and last five digits of your social security number to sign up for some credit monitoring service and oh by the way to waive your rights to sue us. '' I do not consent to waiving any of my rights with respect to this.
I then called up their hotline number which they said was specifically set up to handle this data breach, so that I could ask whether or not I was affected, and also to say I do n't want this credit monitoring nor do I consent to waiving my rights. It was utterly useless. The lady could not tell me whether or not I was affected. All she could tell me was that I should go to their website and enter my information to check whether or not I was affected. The same website that I DID go to, and where I DID enter my information, and which DID NOT tell me whether or not I was affected.
At one point, I asked her why she could n't tell me whether or not I was affected. She responded that they were " a third party '', and that she had already given me all the information that she had.
That prompted me to ask her who she was, if she was a third party. I was told " Equifax Incident Response Line '', or some such. I then told her I assumed that I was one of the other two parties, and asked her who the second party was. " I 'm sorry, I do n't know '', she told me. To make sure that I was understanding, I explicitly asked her : " You 're telling me that the reason why you do n't know whether or not I was affected is because you 're a third party, but you 're only aware of two parties? '' " Yes, '' she replied.
At that point I gave up on the phone call, as it was useless and frustrating.
Consumer complaint received 2024-05-02
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: NAVY FEDERAL CREDIT UNION (MO)

I applied for an auto loan on XX/XX/2024 and I was approved, but with a much lower score than what I had expected. I was told I would have to wait for the info in the mail. When I received the report I question the info. I called XXXX about the report. I printed off the XXXX report and it showed my score was XXXX, and not the XXXX score that was mailed to me.At no time was I told they would be using a XXXX, I assumed they would be using a XXXX score. They never informed me they would be using XXXX score, and how it could affect the outcome of my loan. This is in my opinion a Deceptive practice. I feel they should have advise me of this matter. This is the first time I have heard of this score. I went to the XXXX XXXX, I was told had I had a loan with them then they in the last 5 years, they would have used a XXXX score, so now I question is this not a form of Bias. A person has to start somewhere, and should not be penalize because I did not have a loan with them prior to asking for this loan.I was told that the always use transition because they have the lowest scores. So what this tells me is that they want people to pay more in interest, so they can make more money. This is not taken care of the membership and in my opinion creates a deceptive practice. This should be illegal and should be stopped. When they reevaluated my score, It got change and they would not tell me the score, but it did change my load percentage from XXXX to XXXX, but in order to do this I would have to wait for one year or pay down {$2500.00} in order to refinance the loan
Consumer complaint received 2022-11-02
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. (CA)

in accordance with the Fair Credit reporting Act XXXX, XXXX XXXX XXXX XXXX  has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There were accounts in my report that does not belong to me, I do not know how they verified it but they did not provide me anything. I sent the letters on XX/XX/2022 and util now I did not receive any response.
Consumer complaint received 2022-11-02
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation (TX)

I keep getting a call about them delivery documents to me or my place of employment. The credit card company no longer exist Salute. I was told that I owe them about XXXX back in XX/XX/2021. This over 18 years old. XXXX XXXX stated if they can not give me the documents it will be reported to the company as a refusal. No company name is given only a phone number XXXX. She said that she was with a courier service no name given of the service she is with. The call shows up as unknown or no caller ID.
Consumer complaint received 2017-05-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AR)

I sent  XXXX  different transfers to a fraudster   XXXX   me. I sent  XXXX  on  XXXX  and  XXXX  on  XXXX . I used moneygram and they said they could not refund me.
Consumer complaint received 2022-11-02
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)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-02
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)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.