davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
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: Early Warning Services, LLC (MT)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX  - XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX TAB | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX
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: DISCOVER BANK (CA)

In accordance with the Fair Credit Reporting Act, this creditor, Discover Bank, has violated my rights. Under 15 U.S.C 1681 section 602 states, I have the right to privacy. Under 15 U.S.C 1681 section 604a 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 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 — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (GA)

Syncrony Bank/ Sams Club DC. Card was used to help purchase and automobile. Credit limit was {$4300.00}. Card went delinquent XX/XX/XXXX. Account was charged off or closed on XX/XX/XXXX. It has been over XXXX years since this account has been charged off. Called the company on XX/XX/XXXX to attempt to reach a settlement.I was told that the debt was now managed by a law firm and provided the name and the phone number of the law firm. Is my debt with Syncrony Bank collections? or the law firm? Also when I check my credit report the account date shows current as of XX/XX/XXXX!
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX " XXXX XXXX XXXX '' has violated my rights. 



15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency such as yours CAN NOT furnish an account without my written instructions.

15 U.S.C. 1666 Correction of Billing Errors 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. 



Thank you for your time and cooperation in this matter. 


Best Regards.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I recently submitted to all three credit bureaus to have these recent inquiries removed from my credit report due to not recognizing them or authorizing them. I have not received a response in regards to these inquiries, nor have I seen them removed.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

CFPB XXXX XXXX to Pay {$19.00} XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Including Wrongly Reporting that Consumers were Delinquent on Loans or Leases. I am also having the same problem with this issue above, I never ever had issues with non of my leased vehicles this is my fourth car being leased. I had a lease with XXXX, XXXX, then XXXX again then XXXX & this is the first time I had an issue with a company that's not reliable was told XXXX this on a phone call and they do something completely dependent, I had an issue with an excise tax that they sent to an old address that I had updated with them Multiple times by email and by phone. Never ever have I missed a lease car payment that directly removed from my bank account, but because of the car excise tax that was sent to an old address that I called and confirmed updated it Multiple time via email and calling. They added that excise tax as an missed car lease payment, which it doesn't make sense that not part of the car lease, I have been making the lease payment if they tried calling me or sent me a payment for the excise tax in the mail at the updated address I would of paid it, or even sent it to a collection agency so they could attempted to contact me for the excise tax of the vehicle, but not try to add that as part of the car payment and as missed payment. That's fraudulent, unacceptable never again I will buy or want a XXXX vehicle again or will advise any family member or friends to buy XXXX and leave some reviews online are a couple of big websites for vehicle reviews. Not a good company for customer service. Plus all this lawsuit for credit error. I have also logged-in my hmfusa.com XXXX account to pull my payments history made to them from there financial app. 

It's was such a problem that we ended up just doing a buyout of the lease vehicle Which is stated on the document I will provide below.
Consumer complaint received 2023-08-14
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. (MS)

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. 

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-14
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. (NY)

I have a dismissed bankruptcy on my credit report that has inaccurate information. I have requested that the credit bureau investigate this and provide an update. They reply that they have investigated, and that information is accurate which it is not. I sent a request to the bankruptcy court asking how the credit agencies investigate disputes with the court. The court provided me a letter stating that they do not confirm or provide information to the credit reporting companies. How are the credit agencies verifying information if the source of the information is not providing updates to them. I have attached a letter from the bankruptcy court stating their position on credit agency investigations.
Consumer complaint received 2023-04-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Allied Collection Services, Inc. (Nevada) (AK)

An amount of money was sent to collections and the collections agency failed to notify me before it was sent to the crediting agency. I never spoke to any one over the phone from a collection agency. I was never notified in writing from a collection agency. I never received an email from a collection agency.
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. (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/2022 2022
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (CA)

on XXXX I noticed a debit of XXXX from XXXX then 6 more pending transactions all from XXXX  at XXXX in amounts of {$1.00}, XXXX, XXXX XXXX XXXX XXXX. I locked my card. Waited until morning to call directexpress and waited on hold for 60 minutes. I talked to a gentleman who I thought was the dispute dept. He canceled my card and said he would send a new one I paid the expedited shipping fee but he then tells me he's going to transfer me to the dispute dept. Ive been currently on hold for 2 more hours with no dispute or cash returned for these fraudulent transactions. This is my SSI Income that I can't afford to lose. I need this resolved NOW!
Consumer complaint received 2023-08-14
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. (VA)

In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX BANK Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX  Account XXXX XXXX USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years.

15 USC 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 in information is inaccurate.
Consumer complaint received 2023-08-15
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX In accordance with the fair credit Reporting act XXXX Accounts # XXXX & # XXXX has violated my rights. 

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 a 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 a purpose.

Also I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-08-14
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)

After reviewing my credit report and investigating correspondence from Transunion debit collectors and account handlers, it has come to my attention that I have fraudulent account that do not belong to me and student loans that have names listed that are not my legal name that are reporting on my credit.
Consumer complaint received 2023-08-14
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. (AL)

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.

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 inructions 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 2023-02-13
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: Global Lending Services LLC (AL)

They stole my identity and took out 4 cars in my name without me being there, in states that I'm not like New York and New Jersey, I only own a single car and it's a white XXXX XXXX XXXX, the other cars are a fraud
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

On XX/XX/XXXX, I penned a debt verification letter to Sequium/XXXX XXXX for an account placed on my consumer report that I do not recognize. In this letter I requested a verification of debt, including amount and account number, information for original creditor, documentation that they have verified that it is indeed I who is responsible for this debt and their license to collect in the State of Florida. I also requested that they remove this account from my report while they investigate. This letter was received by an individual from their office on XX/XX/XXXX ( documentation enclosed ). Because I requested this information within 30 days of the initial contact regarding this debt ( XX/XX/XXXX ), then according to the Fair Debt Collection Practices Act, I am entitled to all of the information that I requested in my letter to Sequium dated XX/XX/XXXX. As of today, XX/XX/XXXX ( well over 30 days since they received my request ) I have not heard back from Sequium. THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT. Since they have not supplied the demanded proof then I may presume that no proof of the alleged debt, nor therefore any such debt actually exists. Because they are unable to verify this debt, Sequium MUST remove this account from my consumer report. They have failed/refused to provide substantiated documentation or to even respond to my request.
Consumer complaint received 2024-03-09
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. (CA)

Again, I was a victim of XXXX XXXX and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ NEED ACCOUNT REMOVED HAVE NO CLUE OF THIS, REMOVE HISTORY. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX ]
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 — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The PAY HISTORY is incorrectly showing as a Repossession in XXXX of XXXX. This was paid/settled in full in XXXX of XXXX. This is grossly damaging my Fico Auto score Payment history guide Repossession as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Show less Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Type Auto Loan Terms 33 Months Credit limit or original amount {$9700.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount Not reported
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (TX)

I lived at XXXX XXXX XXXX  from XX/XX/XXXX through XX/XX/XXXX. Prior to leaving I gave 90 day notice which more than met the required notice set forth in my lease. I was not given any notice of any monies or fees that were owed and proceeded to move to another apartment complex. On XX/XX/XXXX I received a debt collection letter from XXXX ( XXXX XXXX XXXX XXXX ) stating that I owed {$4900.00} to XXXX XXXX XXXX. I have not received any notice of any debt due prior to this point. So I asked XXXX for a copy of my tenet ledger and they could not produce one, stating that the apartment complex was sold and all paperwork was lost. So I asked how they could try to collect a debt that there is no record of and they sent me a Statement of Deposit that does not list what the debt is for and has dates on it when I did not live there at that time ( this is enclosed ). I looked up the apartment owners ( XXXX XXXX ) and requested information from them. They sent me the same Statement of Deposit and a copy of only 2 pages of the lease I signed. On the lease someone wrote " Skipped out XX/XX/XXXX '' on it. I have proof I lived at XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. I have contacted XXXX XXXX ( who was the leasing agent at the time ) and verified her receiving my notice and that my apartment was cleared and rented right after I moved out. XXXX and XXXX XXXX have placed this collection on my credit report and are misreporting the dates and amount owed which is nothing. I have repeatedly contacted both parties to try to get this resolved to no avail. I have also disputed this on my credit report and the bureaus refuse to remove the item because XXXX and XXXX XXXX keep verifying the debt. I please need help with this.
Consumer complaint received 2023-09-29
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.