davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 


3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have recently found out that someone has used my personal information to open 2 loans and 1 credit card under my name which are now reporting on my credit. I am a victim of identity theft and have filed and made reports with agencies and am also filing complaints and reports with local law enforcement departments in order to properly dispose of incorrect information on my credit report that certain financial institutions are placing on my name. 

I do not know who used my information, but these accounts must be removed from my credit report! I am attaching the report I filed with the Federal Trade Commision, as well as the affidavit and complaint of ID Theft which I had notarized in front of an official, in order for my request/demand to be made and have the accounts listed below removed from my credit report. 

The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$12000.00} ( CREDIT CARD ) XXXX XXXX XXXX XXXX XXXX {$21000.00} ( LOAN ) XXXX XXXX XXXX XXXX {$15000.00} ( LOAN ) These three accounts are fraudulent, unauthorized, and were not opened by me!
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased a plastic door bin for my refrigerator. I ordered it online and paid XXXX the amount of {$120.00}. The item arrived broken. I returned the item to merchant, see attached return receipt. XXXX refused to refund or replace the item. I filed a dispute with credit card co. XXXX claimed that I received the item in good condition. Credit card XXXX denied my dispute. Why would I return an item if I received it in good Condition '' and how would merchant know the condition of the item that I received. The plastic door bin arrived broken. It was packaged improperly. I don't have a door bin and merchant has my money. My credit card company has refused to make this right.
Consumer complaint received 2023-04-18
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. (CA)

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 account. 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. Please delete the account : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : : {$0.00}
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-05-23
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. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NY)

Equifax just dropped my credit score XXXX points today from XXXX to XXXX, despite there being no new activity at all, and particularly no new negative activity. When I called and demanded an explanation, they brought up negative activity that is at least XXXX and a half years old or older, and the most recent negative mark is a collection from XXXX, 2021, for which I've reached a settlement with the collection agency with and have been paying off since XXXX. I also just completed paying off another settlement of a loan 100 % satisfactorily and did it XXXX months ahead of schedule. Both of these items really aren't even mine in the first place, as I've taken them out of something else I'd ordinarily be paying, but that's besides XXXX XXXX. I have a " good '' or " excellent '' rating on XXXX of the XXXX factors that go towards deermining a credit score, and I've been working very diligently to fix it, as I had an XXXX XXXX XXXX for many years up until several circumstances came up a few years ago, that were not my fault that caused my score to take a severe dip.
Consumer complaint received 2023-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARC Management Group, LLC (OK)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$4100.00} I have disputed this charge on XXXX XXXX I have froze my credit and have done everything I can think of to resolve this matter in my favor.
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CT)

I WAS UNABLE TO ACCESS MY CREDIT CARD ACCOUNT FOR XXXX XXXX IN WHICH ANOTHER EMAIL AND ADDRESS WAS USED AS A PRIMARY ADDRESS ON ACCOUNT AND I HAD NO KNOWLEDGE OF ACCOUNT OR ADDRESS. TO ADD AND OPEN DISCOVER CARD ACCOUNT THAT IM FORCE TO PAY BECAUSE IT WAS OPENED WITHOUT MY PERMISSION.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OH)

I have never done business with CREDIT COLLECTION SERVICE # XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of XXXX Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for  purposes of this section. There is a issue never had any notice no paperwork as to the transfer of title of ownership, who is this third party collections agency. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I used my Chime debit card to secure a reservation for a hotel stay at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I assumed after checkout, I would be refunded the {$100.00} pending deposit amount within a few days. Instead, I was surprised with a {$530.00} charge which took my checking account into overdrawn status. I did not authorize any charges to be made on the room, and I'm fairly certain that the other guest, XXXX XXXX, was the culprit of the mystery charges on the hotel room. I am certain that the security video footage at the hotel would confirm these findings. 

After finding out about the {$530.00} charge, I disputed it through my debit card provider, Chime. They denied my claim saying that their finding showed no errors made. They're definitely was an air made because I did not authorize any of the charges other than the {$100.00} hold for the room which would be returned to me upon checkout. 

Now, they're saying there is no other steps I can take in order to appeal their decision. I need your help to make this right because now my account is overdrawn and I am stuck in XXXX XXXX. Thank you in advance and please do not hesitate to contact me if you need any information.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.
Consumer complaint received 2018-04-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (TX)

Hi, I feel I was discriminated against by the Manager ( XXXX ) and the underwriter because of the color of my skin. I provide more than enought to provide my income. Then on the last day, the Manager contacts me to ask if i file XXXX or XXXX, I replied probably both, well that was not good enough for her, so she give me about a hour to produce documents to determine how I file. She never tells me which year of documents or nothing. Everytime i showed proof of income, they would come up with w new obstacle. Total Discrimination.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2024-03-08
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of XXXX XXXX i found XXXX accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 
Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting 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)

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was charged multiple times from XXXX as these charges were not authorized. I notified them that my credit information was compromised. I sent them a letter certifying that I have not authorized all the charges on my credit card.
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (NJ)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-10-05
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. (NV)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I did not authorize or give consent, nor do I benefit from the following inquires. Please Block and remove. 
XXXX XXXX XXXX - XX/XX/2023 SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-10-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Upgrade, Inc. (LA)

The collectors from Upgrade call my phone at least times a day, EVERY DAY. The first call typically comes right after XXXX and the last call usually comes about XXXX. There is another one or two calls midday. This has been going on everyday since XXXX or XXXX. This calls always coming from a XXXX number XXXX ( XXXX ) XXXX
Consumer complaint received 2018-04-01
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 been disputing a fraudulent account where charges were made on XXXX XXXX XXXXXXXX account for months now. Finally XXXX has removed and deleted this account off my credit report. I disputed this also with XXXX numerous times and it is still appearing as an adverse account on my XXXX   credit report. I have submitted proof plus the fraud form and the disputed item but XXXX   is still currently reporting it. I am getting to the point where I have been more than enough patient with XXXX and transunion in resolving this issue as it is causing me a hardship in obtaining substantial credit with this account on my credit report. I did NOT do these charges and I am at the point of obtaining legal advise in suing XXXX and transunion for ruining my creditworthiness as they are not correcting this problem.
Consumer complaint received 2018-05-04
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC (AZ)

Received repeated calls from Direct Recovery Services which were intended for someone else. These are at least weekly and not intended for me. When I called the number back to have my number removed and ask why I was receiving so many calls meant for other people, a man named XXXX XXXX screamed at me, shouted over me and told me I " need to stop barking like a dog, who do you think you are, do you know who you're talking to, you dont talk to me like that '' etc. I then asked for his name and what company he was with. He refused to answer. I then asked for his supervisor. He refused. I asked him again and he said " I tell you what, you can have my name, XXXX XXXX, Direct Recovery Services. Theres no manager here, theres only one person above me and thats the owner of the company and you aint gon na talk to them. '' This was all because I inquired about a calls I receive that are not meant for me. He basically told me to shut up and then maybe he'd answer my questions. I dont know this company and have XXXX debt.