davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (NC)

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 2022-11-03
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX US DEPT OF ED/XXXX  XXXX ... XXXX {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$2200.00} ; XXXX XXXX .... Balance : - ; XXXX XXXX XXXX ... XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$670.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$7300.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXXXX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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 2023-08-12
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: Experian Information Solutions Inc. (FL)

I am not liable for this debt with XXXX, XXXX XXXX and XXXX XXXX. I do not have a contract with these companies and they did not provide me with the original contract as requested.
Consumer complaint received 2023-08-13
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: Experian Information Solutions Inc. (FL)

1 am not liable for this debt with XXXX XXXX XXXX XXXX XXXX I do not have a contract with these companies not did they provide me with the original contract as requested
Consumer complaint received 2017-04-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

portfolio recovry is attempting to collect a debt that incorrect, wrong info and lied to credit bureau.. on report it says acct opened XX/XX/2016 they show negative payment history from that date. when i call them and XXXX that info is incorrect. they give me totally different info then what they reported I asked them why are they reporting incorrect info on my report they said ask XXXX XXXX but XXXX XXXX is not the ones reporting it they are. what they are doing is illegal and I want this removed.
Consumer complaint received 2023-08-13
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. (FL)

1 am not liable for this debt with XXXX XXXX XXXX XXXX XXXX I do not have a contract with these companies not did they provide me with the original contract as requested
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Muskegon Car Credit, Inc. (MI)

They didnt put in my contract that I had the right to rescind my contract I sent them a rescind back in XXXX of XXXX they made me put a down payment down I got the vehicle in XX/XX/XXXXXXXX XXXX XXXX  they charging me to much for a used vehicle XXXX
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$800.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX  XX/XX/2022
Consumer complaint received 2022-11-03
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)

My credit with you seems to have been hacked. While reviewing my data, I found numerous files that did not belong to me. Due to my meticulous study, I discovered that you are obligated by law to terminate and block any account that is determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the necessary FTC Report for your records as well as the bank 's ( learned through more research both parties require ). Remove these files immediately. If you believe there is a chance that these accounts belong to me, I will need all supporting documents bearing my signature ( according to another research item I discovered, you must confirm each account is 100 % real, exact, correct, complete, and VERIFIABLE ). Please be aware that I will take legal action if you don't offer any records while saying the item is confirmed. Both my attorney and I do not enjoy gaming. Therefore, abide with the law so that this situation may be resolved quickly.

The challenged items were opened without my knowledge or agreement, in accordance with Fair Credit Reporting Act Section 605B, so kindly erase them.

Enclosed are the following : A copy of my Identity Theft Report and Proof of my Identity A copy of section 605B of Fair Credit Reporting Act, which requires you to block the Fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.
Consumer complaint received 2023-06-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, I have completed the dispute process multiple time, I spoke with a representative on XX/XX/23 and was advised that the account would be removed. It has not and now I am no longer able to complete a dispute.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SC)

I opened the Lowes card in 2020. At activation, they offered payment security. I opted out verbally. However, the automated system replied that I had enrolled. So I called Synchrony to unenroll. When I called, I was directed to a third party. I contacted the third party and was told I was no longer enrolled. I later noticed fees on my statement. I then contacted Synchrony to inform that the third party had failed to cancel enrollment. I was told to contact the security protection company again, which I did. I have done this multiple times over three years but am still enrolled. Last year I even wrote a letter and sent to the address on my credit disclosure. I make my payments every month but my balance is not moving because they are billing me fees plus interest on fees each month. My original balance was approximately {$700.00}, three years later it is {$660.00}. The only way ( other than paying in full ) that I know to make progress is to cancel the security protection, but I have not had success although I have paid approximately {$700.00} in fees and associated interest.
Consumer complaint received 2021-03-07
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: Phoenix Financial Services LLC (FL)

On XX/XX/2020 a derogatory mark was added on my credit report per XXXX XXXX from Phoenix Financial Service and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ Medical Facility ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Consumer complaint received 2023-08-12
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: Experian Information Solutions Inc. (MN)

I am not liable for this debt with XXXX XXXX XXXX XXXX XX/XX/2023. I do not have a contract with the XXXXXXXX XXXX XXXX account, they did not provide me with the original contract as requested.
Consumer complaint received 2018-12-12
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (CA)

In XXXX I defaulted on a student loan. I requested a forebarence form which I never received and my loan was sent back to the department of education. Around XXXX I made 2 payments to the department of education. They requested my 1040 tax form to enter me into a payment plan. I send it in to the address they provided in XXXX ( uncertified ). I did not hear from the DOE until XXXX XXXX XXXX  send me a letter on XX/XX/XXXX. When I called the DOE they said they never received the 1040 tax form and considered my account in default. I filled a complaint at that time with the DOE because not only was I concerned my account was put into default I also was concerned they lost my 1040 tax form. To this day I have not received a response to my complaint. 

Sequence of events : XX/XX/XXXX - received initial letter from XXXX XX/XX/XXXX - I called company and was deceived into beginning the process of the loan rehabilitation program. They made me lock in a payment and auto withdrawal payments going forward. 

XX/XX/XXXX - After realizing I did not have to make payments on a loan I disputed, I sent a certified letter requesting validation of the debt. 

XX/XX/XXXX - Certified letter received by XXXX *Through the month of XXXX they continued to call me although they were supposed to stop all collection efforts, collection efforts ceased after I filed Attorney General. Although calls have stopped after XX/XX/XXXX, they continue to attempts collecting the debt by sending me request to sign up for the rehabilitation program. 

Around XX/XX/XXXX I filed a complaint with the department of education and have not heard back to date. I also filled a complaint with the attorney general. The attorney generals office sent them a letter and XXXX sent a letter back stating they never told me I was going to have my wages garnished {$1600.00} per month. They also said they would send validation of the debt once they received it. It's my understanding that the document they attached to the letter they sent the attorney general does not qualify as " validating '' a debt. There is not even an amount on it! When I called the school, I was told their records show the amount of the loan I took out was a little over {$2500.00} but their letter says it's $ 40,000+ but they can not provide me with anything showing that to be true. 


Thank you, XXXX XXXX
Consumer complaint received 2022-11-03
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. (MS)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 WY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Customer service lied and told me I would be able to withdraw my funds from.a local branch after they closed my account before last case was resolved in my FAVOR. A letter from Capital Ome dated XX/XX/2022 states CLAIM # XXXX FOR ACCOUNT ENDING IN XXXX DISPUTE HAS BEEN RESOLVED. CAPITAL ONE CLOSED MY ACCOUNT TELLING ME IVE MADE TOO MANY DISPUTES IN BAD FAITH BUT I HAD PROOF THEY WERE ON THE SIDE OF THE SCAM MERCHANT AND CHARGED BACK THE FUNDS EVEN THOUGH I SENT IN PROOF. ALSO I AM XXXX AND MY SOCIAL SECURITY CHECK FOR THIS MONTH WAS BOUNCED BACK AND I STILL DONT HAVE IT. THAT IS ILLEGAL THOSE ARE PROTECTED FUNDS I WAS TOLD BY CAPITAL ONE MANAGERS AND REPS. ONY TODAY XXXX XXXX TOLD ME I HAVE TO WAIT FOR A FINAL CHECK TO BE MAILED TO ME I CSNT GO IN AND WITHDRAW LIKE THEY TOLD ME PREVIOUSLY. WONT LET ME TRANSFER SND I NEED MY MONEY NOW ESPECIALLY SINCE I STILL DONT HAVE MY SOCIAL SECURITY CHECK FOR XXXX. THIS IS MALICIOUS INTENT PLEASE HELP! THEIR CORPORATE PHYSICAL ADDRESS IS : CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX XXXX XXXX. I CANT PAY ANY OF MY BILLS OR MEDICAL EXPENSES AND XXXX XXXX THIS IS A SCANDAL AND I WANT THEM TO PAY FOR THIS ERROR!
Consumer complaint received 2021-03-07
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)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Hey Equifax, I purchased a car on XX/XX/2022, and currently hold the car note with XXXX XXXX XXXX. 
On my report, however, I show 4 incorrect hard credit checks on that same date. Please remove them as FCRA section 604 allows for same day rate shopping in financing an automobile. 
The incorrect hard credit checks are as follows : 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 ( no contact information reported for creditor ). 

Please remove these hard credit checks, as this is my second request with CFPB and going on third letter. 

Have a great day yall!
Consumer complaint received 2022-11-03
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-12
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: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN XXXX XXXX 15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under th
e following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (PA)

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