davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

XXXX XXXX XXXX XX/XX/2024 Dent collector : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Collection Activity on Account : XXXX Dear Sir/Madam, I am writing to formally dispute the collection activity on my account in accordance with the rights granted to me under the Fair Debt Collection Practices Act, particularly under section ( c ) regarding the cessation of communication. 

I am exercising my legal right to reject payment of the debt and to request an immediate cessation of all further communication concerning this matter. As outlined in the regulations of the Fair Debt Collection Practices Act, I am hereby requesting that all correspondence pertaining to this debt be discontinued, except for official notification of the termination of collection efforts. 

Your attention is drawn to the circumstances surrounding this disputed debt. While stationed in XXXX XXXX from XXXX XXXX XXXX on XXXX XXXX, I XXXX in an apartment for a brief period of XXXX months Prior to vacating the premises as per XXXX XXXX, I engaged in a final XXXX XX/XX/2024 with the property XXXX who assured me that no issues were noted and promptly returned my security deposit. Subsequently, I was taken aback by unwarranted calls from your agency, coupled with inadequate information concerning the alleged debt. This situation has now resulted in an erroneous entry on my credit report. 

Adhering to the highest standards of integrity, especially as a member of the XXXX, I have consistently honored my financial obligations. It is clear that the actions taken by your agency are in violation of the law cited earlier. Therefore, I respectfully request the cessation of all collection activities associated with my account. 

I appreciate your attention to this matter and kindly ask for a prompt response acknowledging the receipt of this correspondence. 

Thank you for your understanding and cooperation. 

Warm regards, XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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. (AL)

Accounts that are reporting incorrectly on my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$52.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$24.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CA)

I noticed these fraudulent activity on these Accounts. ( Account Name + Account Number ) 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 XXXXolice report XXXX
Consumer complaint received 2024-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (PA)

My complaint wasn't that Ally disabled my online portal so I can no longer use my bank information on the portal. I totally understand I had a few returns checks and that's why I can't use the portal. My issue is that I was told to use a 3rd party biller to send payments or mail in money order but state I only can use XXXX XXXX or XXXX XXXX to send payments which they charge XXXX $ XXXX $ to send payments. This is a form of punishment. I can set up an online account with XXXX XXXX and XXXX XXXX use my debit card to make the payment. With that being said I asked the question why can't I use the XXXX XXXX XXXX XXXX that Ally uses on the portal that charge XXXX $? When I attempted to use XXXX and put my account number in it's as if I don't have an account with Ally it couldn't be found. What's the difference they are also a 3rd party biller? I could not get a direct answer from any of the representatives. I also submitted payment through XXXX another 3rd party biller that charges XXXX $ that payment wasn't even applied until I called Ally why? When I asked the representatives no one can give me a direct answer to my questions. Why is that? I believe Ally gets some kind of kick back or incentive for forcing/bullying consumers to only use XXXX XXXX and XXXX XXXX or their payment won't go through which is not right and I am having their practices investigated and possibly file a civil suit against this company. Ally please don't response with these generated letters or sending me my loan contract or telling me about my declined payments that resulted in not using the portal these things are not the issue. The bullying of your consumers into using certain 3rd party billers is my issue. The lack of getting clear and direct answers to questions asked is my issue. Not requesting use of the online portal I am searching for a new lender but would like access to checkfree 3rd party to make payments until I can be removed from Ally
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (WA)

I received multiple different copies of my file. 

In each copy, my information were incorrect, multiple files and multiple SSN ( wrong ) being reported. 

I submitted request for them to fix and never got a response, inclding a request to freeze
Consumer complaint received 2023-03-04
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. (NC)

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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I got a hard inquiry today and on the XXXX of this month from XXXX XXXX Bank. The address listed was an address in California. I reside in XXXX so this raised some red flags. I have never applied for a XXXX XXXX account. I suspect someone has my personal information trying to open bank accounts, credit cards, ect. in my name.
Consumer complaint received 2024-04-15
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (NY)

I received a gift card from US Bank National Association. It has {$200.00} on it. I have tried to use it on XXXX XXXX XXXX XXXX 

XXXX was unsuccessful because it only takes company gift cards. 

However, last night I was unsuccessful at purchasing something under {$200.00} after registering it under my name and with my address on XXXX. I called and they said it was because the box " Use card for future payment was checked '' and to clear my cookies & cache. However, I tried XXXX today and was unsuccessful after trying all their recommendations. 

When I call I have to repeatedly share the card number and security code as well as the barcorde on theback of the card. There is also a website I registered the card to and I entered my name, address. However, none of these were helpful for successful payment. 

I believe this is fraud because after the XXXX attempt I called back and they said there is no card with that information. Though I have talked to them at least 6 times in the last 12 hours and even the phone voice automated system said there was {$200.00} and the card was unused. 

I believe after you have " issues, '' they take the card for their own use or something of that nature.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a credit card from XXXX XXXX XXXX  XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX  XXXX XXXX  XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2023-07-20
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (TX)

I got XXXX on XX/XX/2022. Around that same time, I had a house fire and had to evacuate and move into temporary housing. I was overwhelmed by both recovering from XXXX and managing the home repairs and restoration. I forgot to set up autopay for my discover credit card. I reached out to Discover and they reimbursed the late fee charge. The customer service agent understood that this incident is classified under the CARES Act. 
However, Discover card refuses to remove this late payment from my report. I have reached out to XXXX, XXXX and XXXX regarding removing the late payment. However, they all mention that the lender, Discover would have to " unreport '' it. 

I have already paid of my entire balance with Discover but they are still refusing to acknowled the CARES Act. 

I am hoping to have the late payment removed in order to improve my credit so I can buy another home for my family. My credit score has been negatively impacted by this late payment and I am not sure I will qualify for a home loan I can afford.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

I filed a unauthorized transaction dispute with Citibank and my disputes were denied. I didn't authorize these disputes and under regulation e I should have been awarded a provisional credit, the bank denied my claims and said that I was responsible for the transactions
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

These late payments are inaccurate and I've tried to get them removed various times throughout the years with no resolution from XXXX XXXX XXXX. The late payments are : XX/XX/2022 - XX/XX/2022 ( 30-60 day late payments ) Per USC CODE 1666B " A creditor may not treat a payment on a loan account under an open end consumer plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' I did not receive any statements, rather mail or digital mail / email within 21 days of my statement.

These late payments should removed or updated as current / positive status on my credit report.
Consumer complaint received 2023-01-09
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. (IL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 updated from erroneous reporting in my file. 

XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-28
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. (MD)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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: AmeriHome Mortgage Company, LLC (GA)

On XX/XX/XXXX, my home was foreclosed on without documentation of the authority to foreclose from Amerihome Mortgage, XXXX XXXX XXXX. I requested documentation to foreclose on several occasions. I sent in letters to Amerihome Mortgage, XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. Despite my request, my home was sold on XX/XX/XXXX to XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I received a letter from Amerihome Mortgage, stating that more time was needed to research my request for documentation to foreclose. ( Meanwhile, my home was already foreclosed and eviction proceedings were enforced by XXXX XXXX XXXX XXXX ), without documentation of the authority to foreclose from Amerihome Mortgage, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. 

Following foreclosure, I requested an affidavit of foreclosure from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, and they have no record of an affidavit of Foreclosure on file to enforce the foreclosure sale. I also requested documentation of final sale from Amerihome Home Mortgage for an ongoing court case, so that I can prove in court that my home was foreclosed and sold under market value, without the authority to do so, however I have not received a response. 
( I have documentation and receipts of payments sent to me in my email of loan payoff from XXXX XXXX, however I have not received an official payoff from Amerihome Mortgage ) In addition, Amerihome Mortgage has placed a foreclosure statement on my credit report without the authority to foreclose on my property. Amerihome Mortgage, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX have abused and taken advantage of me and the non-judicial foreclosure process in XXXX XXXX XXXX  XXXX XXXX and they should be held accountable for their actions.
Consumer complaint received 2023-01-24
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. (MS)

I do not recognize any of these inquires. These are clearly the result of fraud. Please help! 

I didn't authorize any of this. 

I didn't consent or willfully oblige any creditor or bank ... to use or access my credit file.
Consumer complaint received 2024-03-23
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. (AZ)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2022-11-28
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-07-20
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: SANTANDER HOLDINGS USA, INC. (MD)

Santander reported a late payment in XX/XX/2022. In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a report without my written instructions.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To whom it may concern, This notice is to inform you that you unlawfully reported fraudulent t inquiries that arose from IDENTITY THEFT that you did not verify as required by law on any consumer report.

15 USC 1681b ( c ) furnishing reports in connection with credit and insurance transactions that are not initiated by consumer, information regarding inquiries, except as provided in section 1681b of this title. A consumer reporting agency should not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer.

The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED immediately. 

XXXXXXXX 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 2020-07-29
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. (AR)

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$660.00} XXXX XXXX   XXXX {$1200.00}
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (AL)

Reviewed most recent credit report from XXXX XXXX and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me.

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding collection/charge off ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of collection/charge off connection with a credit or insurance transaction that is not initiated by a consumer.