davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Please refer to information in XXXX. An account at XXXX XXXX was apparently fraudulently opened with my personal identifiers and the parties involved rented something from them. I have never even heard of this company and do not rent these items. 

I have called them many times and get the run around. I emailed theur fraud dept and they are unwilling to respond. 

this information needs to be correcgted and if they are reporting to the credit bureaus and providing fiducuiary contracts, they need to do the due dilligence on their part email to XXXX XXXX XXXX XXXX : Subject line : ID Theft Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX Please be advised that the account opened below is not mine and opened fraudulently. The information is showing on my credit reports and it must be rectified immediately. 

I have never opened an account with XXXX. I am in the process of buying a house and if this causes any issues, I will pursue legal action against XXXX and seek compensatory and punitive damages. 

Please remove any and all information from any and all my credit reports. 
I can be reached at XXXX XXXX XXXX My full name and address are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2023-08-10
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 Account # XXXX, XXXX  XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (TX)

ok so the credit agency have just completely disregarded my consumer identity and i want to know how is it even remotely possible to report inaccuracies on my credit report without my consent? there is mistake after mistake on my consumer report? how many laws will they be able to break. how much of my livelihood will they be able to destroy? account in question XXXX they have violated my rights. how can i have a account reporting on my consumer report without my consent.i did not give a third party to report this bill and it is not legal please validate by providing the origional contract also show where i signed to pass this debt to a collector. they have violated hippa privacy laws. they are also still in the 12 month grace period and shouldnt be reporting the credit agency in question has completely mishandled my credit report and violated the following laws 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: 2288984 Ontario Inc. (OH)

On XX/XX/2018, an associate at XXXX XXXX XXXX contacted my ex-husband. They released all of the debt information to him including the amount of money that I owe as well as the name of the company it is directly owed to and asked him to leave a message to contact me.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ACIMA CREDIT, LLC (GA)

It seems that someone has been stealing my information at the address of XXXX XXXX XXXX. I do not have any association with this address or account. I tried removing it from my report but I must also dispute the accounts used to open this account. I contacted the creditor on numerous occasion through experian and XXXX and I have yet to receive any response. I can prove my identity and any other needed information just let me know what is needed from me.
Consumer complaint received 2023-04-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

Helvey & Associates is a third party company that purchased a debt that I owed to XXXX XXXX  for the amount of {$1100.00}. However according to NMLS they are not licensed to collect in the state of South Carolina. In addition I have not given written consent to the original creditor, debt collector, nor the credit reporting agencies to report this debt that is non public information.
Consumer complaint received 2023-05-16
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. (IL)

Im attaching a ftc report to my complaint I made already some one been applying using my information I have numerous inquiries that I did not apply fraud XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I wrote a letter asking that the old accounts that are closed be deleted, and I also requested on 2 different occasions that the late payments reporting to my consumer report, be deleted from my consumer report, or delete the accounts all together.

15 US CODE 1681e ( b ) - The Fair Credit Reporting states that Transactions, experiences, authorizations, and approval of credit aren't included in your consumer report. 15 US CODE 1681a -Definitions- Rules of construction-paragraph 2 -- Exclusions -Paragraph ( a ) & ( I ). Exclusions- Except as provided in paragraph 3. The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer, and the person making the report. This law states that transactions are not included in your consumer report.
Consumer complaint received 2022-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

Payment was sent through my bank on XX/XX/22 for {$700.00}. I called Comenity Kay Jewelers credit card and inquired about why my payment had not been posted on XX/XX/22, almost a month after I sent it. The operator told me he did not have record of that payment and that my account was now past due. He cancelled the late fee but told me to cancel my {$700.00} payment sent because it was never received by them. I did as instructed and the next day my payment was posted to my account with a date of XX/XX/22. Someone at Comenity found my payment after my call and posted it after I contacted the bank to cancel payment. The payment was removed from my Comenity account once the bank informed them the payment was cancelled, causing my account to reflect that I was in default. I had to call Comenity again to speak with someone who told me I am now in default and owe late fees, only to have to explain to her again like I did the previous person what had happened. She cleared the late fee but warned me that of I was late next month they would not only charge me with a late fee for that but also for this mix up on their behalf. I have bank statements to back up my timelines ( available if requested ), and I'm sure my account with Comenity will show what they've done to my account. Sounds like the goal for them is to charge me finance fees and late fees and my expense, even when I am making more than my minimum on time payments.
Consumer complaint received 2023-08-10
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)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor Name : XXXX XXXX  ) XXXX  Balance : {$400.00} XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCM Finance LLC (TX)

Account is closed an paid and is still being reported. Account should not be reporting requesting to have it removed. 

I am disputing this repossession under the provisions of the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681c-2, which states that information regarding a fully paid or settled repossession may not be included in a consumer report unless the consumer has explicitly consented to the inclusion of such information after being informed of their right to refuse consent.
Consumer complaint received 2023-11-10
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: Lendmark Financial Services (FL)

I got a notification through XXXX XXXX that I had a hard inquiry submitted on XXXX XXXX XXXX  with lendmark financial s. I did not apply for any loans. I called them and they said they did not see any line of credit. I want this removed from my credit report immediately.
Consumer complaint received 2023-08-10
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)

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.
Consumer complaint received 2024-09-11
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Amsher Collection Services, Inc. (MI)

I received a collection notice from Amsher Collections  on a XXXX  account that I never activated the SIM CARDS, Because they gave me different phone numbers, I was told I could keep old numbers. I called XXXX they know I never activated the SIM Cards. When they sent a bill I called and they confirmed owe zero. This has been going on over a year. Now when I call them they say I need a pin number to look in the account. I to not have a pin number. Now they tell me I have to go to a XXXX store to look up account. A BIG SCAM. Again I never activated XXXX XXXXXXXX XXXX XXXX XXXX They know it.
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (MA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681 .And they violated my rights. numerous of times .I demand the accounts below be remove because : According to 15 USC . 1681 I have the right to privacy and did not give equifax written permission to furnish these accounts. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PlusFour, Inc (NV)

Pursuant to Consumer Protection for Medical Debt Collections Act, Plusfour account XXXX was placed by XXXX XXXX XXXX a medical provider disclosing medical information to third party in violation of HIPAA laws as well must be removed from my credit file no notification was given. And is considered identity theft because it was released without my consent. 

Demand is given to remove from credit file and attorney general report will be filed
Consumer complaint received 2018-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (CA)

RECEIVABLE MANAGEMENT Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

View your Report | View your credit score I do not have an account nor have I used their services. The debit collector has claimed that I owe them. It has reflected negative on my credit report. Please help.
Consumer complaint received 2024-09-11
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (GA)

XXXX XXXX wanted me to pa on a damaged phone they sent me. It was returned. They sent it to a collection company which apparently sent it to AmSher they are now trying to collect on the returned phone. I am recovering from XXXX  XXXX. I have been out of work for XXXX  months and they said they would settle for XXXX dollars instead of over XXXX for phone I don't have.
Consumer complaint received 2023-08-10
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. (TX)

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 in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lefkoff, Rubin, Gleason, Russo & Williams, P.C. (GA)

XXXX XXXX  garnished my XXXX XXXX bank account for XXXX they received a little over XXXX from a XXXX XXXX XXXX XXXX that was repossessed in XXXX and sold. I never received the court date even though they claimed someone was served at an address I stayed at and signed for the court date. I believe it is still illegal they were able to garnish my account for such a high amount when the car was repossess and was nearly paid off when reposed.
Consumer complaint received 2023-08-10
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (NV)

Hello, Please validate the debts for {$450.00} and {$390.00}. I am requesting a full validation of debt showing that this is mine. Please show information including the signed contracts for the original debt amount and the debt owed at the time the account came into your possession.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am well advised that Transunion experienced a glitch in XXXX and XXXX that caused all inquiries to be removed from consumer reports. It is illegal for inquiries to be re-added to a report without notifying the consumer within 5 days of intending to add them. My rights have been violated and this has caused me financial hardships. I have called transunion on XX/XX/XXXX. At XXXX, I spoke with XXXX XXXX She was unwilling to remedy the situation and claims that I was not affected by the glitch because my inquiries had not been on my report from 2 years before the glitch. This is inaccurate information.
Consumer complaint received 2023-08-10
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. (TX)

I asked for verification from the 3 credit bureaus. They stated that everything was accurate. I conducted my own thorough research and saw that there were still improper inaccuracies after I was notified that that the accounts were accurate. 

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

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

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

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

Account name : XXXX XXXX XXXX Account number:XXXX Company : XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Account name : XXXX Account number : XXXX Company : XXXX XXXX & XXXX 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 rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-10
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. (NY)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. the fair reporting act. 
XXXX XXXX Account number XXXX Date opened XX/XX/XXXX. XXXX XXXX Account number XXXX Date opened XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
i did not give written consent also these accounts are fraudulent these accounts where disputed years ago and the reporting agency still have not deleted these accounts listed this is a violation to my rights please delete asap
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2023-11-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc. (NY)

I placed an order on XXXX using the Afterpay app. Within minutes of placing my order, I then decided to cancel it. 3 days later, and 3 complaint emails later I am still seeing this as an active order in my Afterpay account, with upcoming payment installments. I was already charged XXXX for the first installment on this CANCELLED order. I spoke with XXXX 3 times to make sure that the cancellation went through, and they assured me each time it had. I then followed all the steps for a complaint to Afterpay ( including screenshots and emails from XXXX stating this cancellation had been processed ). 

I then received an email from Afterpay with a response that had nothing to do with my complaint. They have no live customer service phone or chat and I am very concerned I will be charged on the upcoming payment dates, as they clearly did not read or pay attention to my issue.