davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
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: SinglePoint GI (PA)

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-05-25
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX, XXXX XXXX, TX, undefined XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Unpaid Balance {$3000.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$760.00} XXXX XXXX Unpaid Balance {$0.00} Bankruptcy XXXX  XXXX Dismissed Docket Identifier XXXX FACTUAL DATA XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/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 XXXXXX/XX/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 the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-25
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2022-09-11
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Balance transfer — 
Company: Solidus Group LLC. (KY)

Was contacted by a company called XXXX. They offered me a 0 % life of the balance transfer, 0 % balance transfer fee. I started getting credit cards in the mail under my name. They applied for credit cards in my name and sent them to my house, then did a balance transfer without my knowledge. Now I ca n't reverse it and am being charged a 4 % balance transfer fee ... and with a 0 % 15 month promotion.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted a 4 day block and remove for identity theft with transunion. Transunion has failed to do anything on my behalf and continues to cause harm to me which is a violation of the FCRA. 

I have included papers regarding my request with XXXX XXXX for information to validate the debt. XXXX XXXX did not provide all the paperwork that was requested and therefore renders there validation null and void. As you can see, I swore per XXXX and affidavit on the statements that I made and all that XXXX  XXXX did was send a print out on a letterhead and not accounting to prove that I indeed owe a debt. The did not include the note, they did not verify that did not sell the note and the other matters within the letter. 

EVERYONE HEAR FOR THE RECORD, has caused me severe harm and this may be a major tort. 

If Transunion, does not correct this, I am at least recording this here for reference if I choose to seek remedy in court. Although I am trying to avoid going to court.
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the fair credit reporting act my rights have been violated.

15 USC 1681 i have the right to privacy and did not give ( XXXX, XXXX, & tranunion to furnish these accounts. 

Reporting inaccuracy reporting Attachment proofs for all accounts Dept of educationXXXX amount {$1800.00} Is reporting a late payment on XXXX This account is updated /exceptional payment history on all other accounts Please investigate Update or delete XXXX amount {$3200.00} Reporting inaccurate information Please investigate send documents Update or delete XXXX XXXX XXXX XXXX XXXX$890.00} Reporting inaccurate on XXXXXXXX XXXX XXXXXXXX Investigate account inaccuracy Need final bill and sign agreement request Update or delete XXXX XXXX XXXX amount {$2100.00} Reporting inaccurate information on XXXX & XXXX Please investigate send final bill and sign agreement request Update or delete XXXX XXXX  Reporting inaccurate on all three bureaus please investigate this account Send any signed agreement from company Update or delete XXXX XXXX XXXXXXXX XXXX XXXX on all three bureaus Please investigate this account Send any signed agreement from company Update or delete XXXX XXXX XXXX Account reporting inaccurate information Payments Please investigate this account Send any signed agreement from company Update or delete Inquiries 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 2023-05-11
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. (FL)

The Department of Education/XXXX is reporting account inaccuracies across consumer 's XXXX, Experian, and XXXX consumer reports. XXXX report shows that the account is paid as agreed and never late but XXXX and Experian is showing that the account has been late for 90 days. Also, 20 U.S. Code 1232g ( B ) does not include credit reporting agencies access to a person 's educational record without consent. I never gave XXXX, Experian, XXXX, and XXXX written consent to furnish information regarding my educational record, let alone inaccurate/adverse information. 15 U.S. Code 1681c states no adverse information reporting on my consumer report. I am demanding the account and transaction information to be removed immediately from my consumer report. 15 U.S. Code 1681a ( 2 ) states transactions of an account is excluded from the consumer report. DEPT OF ED / XXXX XXXX, XXXX XXXX FILE NUMBER XXXX XXXX # XXXX
Consumer complaint received 2023-05-25
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. (CT)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MI)

For unknown reasons Experian and XXXX have denied me my free credit report via online. On XX/XX/22, I attempted to order my Experian & XXXX Credit reports. Request for my Identity verification was successful- Both Experian and XXXX sent me a code to my phone which I immediately entered into the proper space, But still denied. There is no reason for Experian and XXXX to restrict me from obtaining a copy of my credit report online. 
If there is a security problem with my credit report than it is essential that both XXXX and Experian provide me with the SPECIFIC security issue so that I may protect myself going forward. There for I am requesting the specific reasons why I was denied an online copy of my credit report.
Consumer complaint received 2017-04-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (CA)

On XX/XX/2015 I received a letter from a debt collector ( Central Financial Control ). Upon receiving this letter I sent back a debt verification letter asking them to verify the amount they insisted that I owed. Central Financial Control never responded to my request for deb verification. Just recently the debt that they never verified has shown up on all of XXXX of my credit reports ( XXXX, XXXX, and XXXX ). After calling them to inform they still have not verified the debt, they insist no mistakes have been made and that I simply must pay the debt.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (TX)

I have been unable to open a bank account with restrictions or at all. After investigating this claim I have recieved my reports from Early Warning System and XXXX and have discovered several problems. Attached below are the documents outlining each issue that needs to be addressed, investigated and dismissed from my personal banking and credit profile.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX as of ( XX/XX/XXXX ) and TransUnion ( XXXX ) are reporting multiple bankruptcy on my credit report and they have stated in letter from that their un-named and named data furnishers have verified by the XXXX bankruptcy XXXX XXXX XXXX IL, XXXX XXXX, XXXX XXXX XXXX XXXX,. XXXX, IL XXXX. I have attached a letter from the XXXX bankruptcy XXXX XXXX XXXX IL, XXXX XXXX, XXXX XXXX XXXX XXXX,. XXXX, IL XXXX Verifying, and stating that they do not furnish information over to the credit bureaus, or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. XXXX and TransUnion are falsely saying this information on my credit reports Has been Verifide, This is not true and have yet to remove it from my credit as of XX/XX/XXXX
Consumer complaint received 2023-01-02
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: National Credit Adjusters, LLC (TX)

Hello, I have a false collection account that showed up on my XXXX XXXX XXXX as of today, XX/XX/XXXX. This false collection account shows up as : NATIONAL CREDIT ADJUSTERS , L.L.C The original creditor for this account is : XXXX XXXX XXXX XXXX is a loan that I took out on XX/XX/XXXX. 

On XX/XX/XXXX XXXX EST, the account was PAID IN FULL for the amount of {$1100.00} and the company agreed to update the remarks on the account as " Paid '' on my credit report. 

However, as of today, the account shows that it was mysteriously " purchased '' by a debt buyer ( NATIONAL CREDIT ADJUSTERS , L.L.C ), which brings me to my original comment. This new collection account shows up with the following comments : " XXXX XXXX {$860.00} past due as of XX/XX/XXXX. '' This is incorrect, it is illegal and I worry that this has re-aged the already PAID IN FULL collection account with XXXX XXXX. This item must be deleted from my XXXX credit report as soon as possible as it is affecting my ability to XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

Ive been challenging this bankruptcy for a very long time with Experian and XXXX XXXX. 
XXXX removed it but XXXX XXXX and Experian keeps showing false information I thought that all 3 credit bureaus produce the same reporting as the other one this is stoping me from living my life just because its false information on my report thats not far to me as a law, abiding American citizen
Consumer complaint received 2017-04-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP (AL)

After my divorce my credit is bad. I bought a truck with XXXX down. Total was XXXX bought on XX/XX/2017. My first payment was due on XX/XX/2017. I called Saturday XX/XX/2017 to pay off the truck. My statement shows XXXX they were closed my husband called today XX/XX/2017 and payoff is XXXX he talked to a couple different people. We just want to pay off the truck with the amount on our bill
Consumer complaint received 2023-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (TX)

Lawful Notice of Dispute TO : XXXX XXXX XXXX RE : LAST XXXX DIGITS OF XXXX To Agents or Assigns at : XXXX XXXX XXXX XXXX XXXX in receipt of a computer-generated letter from your company dated on or about XX/XX/2023 unsigned, unverified, unvalidated statements alleging some kind of debt. It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and XXXX XXXX XXXX. Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect a debt in Texas. If you bought this as a debt collections device to make money as a debt collector, thank you for paying off the bill. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: ACS Education Services (NE)

I have had a student loan with ACS for years and I have always applied for a deferment or forbearance every year. I applied for one in XX/XX/XXXX because I am unemployed and receive government assistance I recently found out that the deferment/forbearance was not completed by ACS and that my loan has been in default since XX/XX/XXXX. I have called ACS several times for approximately 4 to 5 months trying to get help with this matter first I could n't verify what address they have on file and was told that they could not help me if I could n't verify it. I finally spoke to someone who told me that the last deferment was in XX/XX/XXXX I told her that was not correct that I called in XX/XX/XXXX to verify that they had got the paperwork was told that it was being processed. Evidently it was never processed. I was told to contact XXXX I have contacted them and was told by them that they have nothing to do with my loan being deferred that they get it once it is in default. ACS sent my student loan in saying that it was in default when it should not have been in default but in deferment/forbearance all of my loans thru XXXX have been and are currently in forbearance except for the one being serviced by ACS and I have completed a complaint via email several times and has also asked for a supervisor to contact me I submitted another complaint and request for management to contact me again today
Consumer complaint received 2023-08-24
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: JPMORGAN CHASE & CO. (IN)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-05-25
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. (NJ)

This is 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.