davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Date XXXX Balance : {$1200.00}
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY (SD)

THEY SENT ME A FAKE CHECK OF XXXX AND I DEPOSITED. AFTER 3 DAYS THE CHECK RETURNED AND THEY WIRED TRANSFER XXXX FROM MY BANK AND END UP NEGATIVE IN MY ACCOUNT. NOW THE BANK TOLD ME TO PAY XXXX $ TO THEM DUE TO OVERDRAFT FOR THE MONEY I NEVER USE. THIS IS CASE NUMBER OF MY CASE THAT WAS REPORT TO THE POLICE # XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It seems although things are still being put on my credit report although I did the last report. It seems someone has stolen my identity to the point where I am not sure which is which. My passport was also recently lost. Late payments are being reported to my credit bureau although I had no idea of such accounts.
Consumer complaint received 2024-03-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

Remove the fraudulent accounts resulting from identity theft from my credit report immediately, as I have serious doubts about their accuracy, or face legal action consider this your final warning. I demand swift resolution, and I expect written confirmation of the accounts ' removal to ensure accuracy in my credit report. XXXX XXXX XXXXXXXX Date Opened : XX/XX/year>.
Consumer complaint received 2023-10-06
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: U.S. BANCORP (TN)

I have requested a full printout of all transactions several times and they have not mailed them to me. It is a US bank account through XXXX grocery store. The transaction was made after I destroyed and disposed of the card and no contact was made in efforts to alert me of an unpaid transaction until over a year later. I am not going to pay anything unless they can provide full printed out undeniable proof that I made the transaction. Current total for the accused transaction is {$620.00}
Consumer complaint received 2023-10-27
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. (OK)

I got a copy of my credit report and was shocked to see what was on my credit report. N accordance with the FCRA the Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written consent
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Im not sure how the credit bureaus did their verification method and investigation process but I strongly believe that they have furnished these accounts under a wrong credit report. 

XXXX XXXX - Account # : XXXX XXXX  - Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX
Consumer complaint received 2023-09-20
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: WELLS FARGO & COMPANY (NY)

Below are unauthorized inquiries due to identity theft from WELLSFARGO DEALER SVCS ( Finance ) 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 2023-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Onity Group Inc. (TX)

New REZ lack the necessary legal documentation, specifically a deed, and have not properly filed a satisfaction of mortgage with the city after acquisition of the loan yet they are charging me a mortgage and file negatively on my credit report. Consequently, this has led to the erroneous inclusion of various liens on my credit report and several leans on the property making it impossible for me to ever sell the property because the last XXXX mortgage satisfactions were not turned in.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THIS HAS BEEN AN ONGOING ISSUE FOR MONTHS. THE 2 ACCOUNTS THAT I AM DISPUTING ARE A RESULT DUE TO IDENTITY THEFT/FRAUD AND I DID NOT AUTHORIZE THEM. PER 15 USC 1681B YOU ALL ARE BREAKING THE LAW, FURNISHING INFORMATION THAT DOES NOOT BELONG TO ME. I DID NOT GIVE XXXX ALL XXXX  TO FURNISH ANYTHING. LET ALONE WRONG AND FALSE INFORMATION AT THAT! I WILL GIVE YOU ONE MORE CHANCE TO GET IT RIGHT BEFORE I REPORT YOU ALL TO XXXX XXXX XXXX XXXX AND ATTORNEY 'S GENERAL.
Consumer complaint received 2021-01-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-07-11
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: EQUIFAX, INC. (MA)

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with : Account number : XXXX - Original Creditor : ACCEPTANCE NOW It saddened me to learn that you somehow Equifax verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is incorrect and should be removed, so I tried to my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes and have gotten NO response and the erroneous item is still on my report.

Note : ACCEPTANCE NOW was removed from my XXXX  report on XX/XX/2021! 

I am very interested to learn how Equifax 's investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with proof of my signature ; including all names and contact information of employees that Equifax spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded because of this unfortunate error. Therefore, I request that they DO NOT send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of Equifax via email, fax, mail and on the phone with a representative.
Consumer complaint received 2023-10-06
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. (FL)

THIS HAS BEEN AN ONGOING ISSUE FOR MONTHS. THE 2 ACCOUNTS THAT I AM DISPUTING ARE A RESULT DUE TO IDENTITY THEFT/FRAUD AND I DID NOT AUTHORIZE THEM. PER 15 USC 1681B YOU ALL ARE BREAKING THE LAW, FURNISHING INFORMATION THAT DOES NOOT BELONG TO ME. I DID NOT GIVE XXXX  ALL XXXX  TO FURNISH ANYTHING. LET ALONE WRONG AND FALSE INFORMATION AT THAT! I WILL GIVE YOU ONE MORE CHANCE TO GET IT RIGHT BEFORE I REPORT YOU ALL TO XXXX XXXX XXXX XXXX AND ATTORNEY 'S GENERAL.
Consumer complaint received 2023-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I filed a complaint as well as a dispute to reopen modification consideration. The company and its representatives were unclear on what was needed to complete the modification and constantly told me they were not receiving documents that were sent. I received a phone call today XX/XX/2023 stating that they do not have a answer for me as of yet and have basically 2 weeks to reply to me although the sale date is before that time. I was asked if I was willing to comply with a modification and I agreed. I stated that I would pay the mortgage amount as well as a first payment down payment if approved. My issue is that during this review process the sale should be halted and postponed. Instead I'm left in limbo. I was told to call back next Friday which would be XX/XX/2023 to see if there is a possible resolution. I asked for written correspondence and again asked SPS to expedite this. I feel like they are pushing this to the very last moment so I have no options. I would like the company to just let me modify the loan so i can get on track and keep my families home.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2021-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc. (OH)

Account United Collectioin # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification. 

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please all request listed of you will be in violation of the FCRA. 

Retreat this account from collections and remove it from my credit report, if you have not already done so. 

According to HIPAA, you have no permissible business reason to supply a third party collection agency any information regarding myself or my medical history due to no money being owed. I have no desire to cause you unnecessary difficulty, however this unnecessary negative information reporting on my credit profile is beyond damaging. 

Once I receive the response from the credit reporting agencies and if the account HAS NOT been deleted, I will be forced to take action to protect my rights as a consumer under HIPAA, FCRA and FACTA rules and regulations. Rather than through what would undoubtedly be a hassle for both you and I, please do as you have been instructed and what is right according to HIPAA requirements. While, I would rather handle this between you and myself, I am prepared to do what needs to be done to protect my rights.
Consumer complaint received 2023-12-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Stenger & Stenger, P.C (OH)

I spoke to Stenger & Stenger today and I was told that if I did not make XXXX payments of {$1900.00} to pay my debt, I would be taken to court. I can not afford to pay that much monthly and they said if I paid any less, I would be subject to court fees.
Consumer complaint received 2023-10-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Processing Services, LLC (AL)

Multiple phone calls from XXXX and texts. When I called the number I was not allowed to finish my sentences. I was interrupted and told if I did not pay right now I would be sued. I requested written debt information regarding this debt and settlement information and how to pay if its legitimate but I was interrupted and told NO YOU MUST PAY NOW OR NOTHING WRITTEN WILL BE SENT TO YOU. I requested written notification and stop calling me but the calls keep coming.
Consumer complaint received 2023-10-06
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. (FL)

n 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, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX ( HARD INQUIRY ) XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX ( HARD INQUIRY ), 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a 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 XXXX 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

.Please dispute the following items on my credit report. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX Experian : XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Access Receivables of NC Inc. (TN)

15 USC 1692 G " I DO NOT RECOGNIZE '' " FALSE MISLEADING INFO PROVIDED BY DEBT COLLECTORS '' I have records of 200 plus phone calls As well text messages of the harassment
Consumer complaint received 2018-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (TX)

Dear Sir/Madam, Let me explain the situation below : ( 1 ) Monthly billing of my internet service was from date XX/XX/XXXX to next month XX/XX/XXXX of each month ; ( 2 ) My internet service was terminated on XX/XX/XXXX when I called the internet company for cancellation because I switched to another internet company on XX/XX/XXXX. A customer service person from the internet company told me on phone that in next billing, I would receive the 6 day usage charge about {$13.00}. 
( 3 ) I had only used 6 days from XX/XX/XXXX to XX/XX/XXXX but the internet company billed me full month charge which was {$82.00} in my online account. I called the internet company on XX/XX/XXXX and a customer service person from the internet company told me on phone that the billing would be fixed in next month ; ( 4 ) On next month, I received {$82.00} billing letter on XX/XX/XXXX. I called the internet company again on XX/XX/XXXX. Another customer service person from the internet company told me on phone that the billing would be fixed in next month ; ( 5 ) On XX/XX/XXXX, I received a collection billing letter with {$82.00}. I called the internet company again in same day. I paid {$13.00} for 6 day usage already. Another customer service person from the internet company told me that she had no right to change the billing and asked me to call a phone number but I could not get response by this number. 
( 6 ) On XX/XX/XXXX, I received a letter from CPA. 

I would like to have your help to contact the internet company to resolve the issue. 

Yours truly A customer
Consumer complaint received 2024-03-13
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. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (KS)

I have an XXXX mastercard account issued by Synchrony bank. It is linked to an old paypal account that is linked to an old address XXXX. I have been trying to get this linked to my new paypal account XXXX for the last year. Paypal tells me to contact Synchrony and Synchrony tells me to contact paypal. Today XX/XX/2021 I have spent over 2 1/2 hours calling and messaging with both paypal and Synchrony. Synchrony has now indicated that there is no way to unlink them. Despite the fact that I no longer have the email address used for the paypal account. I have spoken with supervisors at both paypal and Synchrony. I am now speaking with XXXX operator ID XXXX at Synchrony who has advised it can not be unlinked and that I can not close the paypal account and that there is no way to access the XXXX mastercard online but for an old paypal account. They have been absolutely unhelpful and unwilling to resolve the issue. This can not be the first time this issue has arisen. I have asked to speak with XXXX 's supervisor and have now been on hold for more than 15 minutes.
Consumer complaint received 2023-11-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Uplift, Inc (FL)

Pursuant to 15 USC 1692g also known as the FDCPA, Uplift was presented with a formal electronic notice disputing the validity of the alleged debt they claimed I owed. 
At no time was any validation paperwork.showing I signed any contract was ever produced. The paperwork that was sent didn't establish validity as outlines under XXXX of XXXX XXXX XXXX nor under 15 USC 1692g ( FDCPA ) Therefore, under state and federal law, since it has been more than 30 days since the dispute was launched, the alleged debt is no.longer collectable and my rights under federal law have been violated by this being reported to the credit bureau.