davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX account # XXXX date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - account # XXXX, account date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - account, date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX account # XXXX, account date XX/XX/XXXX, balance amount {$1000.00} XXXX. XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX account # XXXX, date XX/XX/XXXX, balance amount {$1200.00} XXXX. Dept of Ed./ XXXX, account # XXXX, account date XX/XX/XXXX, account balance {$3500.00} XXXX. Dept of Ed. / XXXX XXXX, account # XXXX, account date XX/XX/XXXX XXXX. Dept of Ed. / XXXX / XXXX XXXX, account date XX/XX/XXXX XXXX. Dept of Ed / XXXXXXXX XXXX XXXX, account date XXXX, account balance {$4300.00} XXXX. Dept of EdXXXX XXXX XXXX, account date XX/XX/XXXX, account # XXXX, account balance {$4500.00} closed XX/XX/XXXX XXXX. XXXXXXXX XXXX, account balance {$1200.00}, account date XX/XX/XXXX XXXX. XXXX XXXX XXXX, account # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, account date XX/XX/XXXX, account balance {$230.00} XXXX. XXXX XXXX / XXXX XXXX, account # XXXX XXXX. XXXXXXXX XXXXXXXX XXXX XXXX account # XXXX, account balance {$720.00} XXXX. XXXX XXXX account date XX/XX/XXXX, account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX, account # XXXX XXXX. XXXX XXXX XXXX, account date XXXX XXXX XXXX, account balance {$570.00}, account # XXXX XXXX. XXXX XXXX XXXX, account date XXXX XXXX, account balance {$3000.00}, account # XXXX XXXX. XXXX XXXX XXXX, account date XXXX XXXX, account balance {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX account date XXXX / XXXX XXXX, account balance {$590.00} account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, account date XXXX XXXX XXXX, account balance {$120.00}, account # XXXXXXXX XXXX XXXX XXXX, account date XXXX / XXXX XXXX, account balance {$3000.00}, XXXX. XXXX XXXX XXXX  date XXXX / XXXX / XXXX, account
Consumer complaint received 2023-03-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (LA)

My ex-wife and I had a loan through Santander for a vehicle. When we divorced, I received the vehicle. I discovered that my ex-wife took out a loan on the car, which added to my car loan payments. Since I refused to pay her loan and Santander refused to remove the loan from the car note, I surrendered the vehicle to Santander. The vehicle was sold at auction. I then received correspondence from XXXX XXXX XXXX XXXXXXXX XXXX on behalf of Santander to settle the remainder owed on the vehicle. Although I still did not want to pay for a debt that was not fully mine, I took the settlement offer and paid it off, documents attached. 
I am continuing to get threatening phone calls from collections agencies on behalf of Santander telling me that I am being sued and this is goign to litigation. I already paid what they asked for.
Consumer complaint received 2023-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (FL)

This is a debt that was not only my debit but it was dismissed and nothing was owed when we left. I had just turned XXXX when we moved in working a part time job and still in high school my mother was the parental authority and I was still a child living with her now although I understand because I was XXXX and legal age I still had no knowledge of what was going on I was told by the leasing agent that helped us get the home that I was XXXX now and needed to be on the lease. This is a settled debit from my understanding and I also was that this was gone and I did not have this on my credit when I called in to make sure I was able to move into my new apartment by myself in XXXX and had no issues and all of a sudden this is haunting me today I would like to get some help from you please. The debit is in the amount of XXXX the date this was accrued to be a debit was XX/XX/XXXX. I contacted the debit agency and he was incredibly rude and had no proof of anything to provide me and he stated so what you wan na put this all on your mom I have never been talked to like that and there was never any letters or calls from this agency. Can you please help me?
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

Case # XXXX I was made aware via my credit report that there's a bankruptcy in the public records section of my credit report. This bankruptcy does not belong to me and I did not permit anyone to file a bankruptcy using my personal information. I contacted the bankruptcy courts to dispute the public record and I was advised that they do not report to the credit bureaus. I received a letter from the courts and I will be attaching it.
Consumer complaint received 2023-08-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cress Law Group PC (IN)

More evidence of unfair collection practices by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX From : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, simply by virtue of their profession, are especially susceptible to claims under the FDCPAs general prohibitions against using false, misleading, and unconscionable means to collect a debt. There have been a number of recent complaints in and around the 7th Circuit against attorney debt collectors, which allege violations of 1692e and 1692f by sending form debt collection letters that falsely imply the attorney has meaningfully reviewed the case. See e.g., Knack-Toms v. Meyer Njus Tanick , PA 345 F. Supp. 3d 1033 ( N.D.I.L Nov. 2018 ), see also, Bucholz v. Meyer Njus Tanick, PA, 2018 WL 4625740 ( W.D. Mich. Sept. 2018 ). These plaintiffs cite Avila v. Rubin for the proposition that a delinquency letter from an attorney conveys authority and implies that the attorney supervised or actually controlled the procedures by which the letter was sent. 84 F.3d 222, 228-29 ( 7th Cir. 1996 ). Instead of challenging the substance of the attorney debt collector letter, the plainiffs attorney generally allege that because ( 1 ) the letter was sent by an attorney debt collector on attorney letterhead that the attorney must have meaningfully reviewed/analyzed the debt and ( 2 ) because the collection letter is a mass-produced template letter which has an indiscernible signature that no meaningful attorney review has occurred which makes the letter a false, misleading, and/or unconscionable attempt to collect the debt in violation of 1692e and 1692f of the FDCPA. '' This is exactly what XXXX XXXX does and has been doing for 17 years. A misleading letter from an attorney with no signature.
Consumer complaint received 2023-02-11
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. (CO)

On XX/XX/2022 my XXXX " aka '' XXXX XXXX XXXX was skimmed at a gas station pump and I started receiving charges from out of state. My credit card app started notifying me of the fraudulent charges and I immediately called my credit card to report Fraud. So I called XXXX and reviewed all the charges on my credit card and I decided to pay my portion of the balance " I owed '' and closed the credit card with a XXXX balance. On my next statement I get a {$25.00} charge from XXXX " aka '' XXXX XXXX XXXX saying I owed them because they reversed a credit from one of the fraudulent purchases. That would have been fine " BUT '' they also were also paid {$25.00} from the Merchant as well. So they were asking me and the merchant to pay them?????????? XXXX " aka '' XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  I never made the Fraudulent purchase and they are reporting me delinquent to " Experian '' who is upholding their decision. Experian has asked me for numerous documents and lied to me over and over saying they would " block '' the account if I had a police report. I've submitted ( 2 ) police reports ( 1 ) XXXX complaint ( 1 ) FTC complaint ( 1 ) CFPB complaint and nothing.
Consumer complaint received 2023-03-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

For the company to do what is fair and equitable to me as a consumer by deleting the items identified as NOT MINE and as Identity Theft from my consumer report.
Consumer complaint received 2023-02-11
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. (CO)

On XX/XX/2022 my XXXX XXXX aka XXXX XXXX XXXX XXXX was skimmed at a gas station pump and I started receiving charges from out of state. My credit card app started notifying me of the fraudulent charges and I immediately called my credit card to report Fraud. So I called XXXX and reviewed all the charges on my credit card and I decided to pay my portion of the balance " I owed '' and closed the credit card with a XXXX balance. On my next statement I get a {$25.00} charge from XXXX  " aka '' XXXX XXXX XXXX saying I owed them because they reversed a credit from one of the fraudulent purchases. That would have been fine " BUT '' they also were also paid {$25.00} from the Merchant as well. So they were asking me and the merchant to pay them?????????? XXXX " aka 'XXXX XXXX XXXX is XXXX XXXX XXXX XXXX! I never made the Fraudulent purchase and they are reporting me delinquent to " XXXX '' who is upholding their decision. XXXX has asked me for numerous documents and lied to me over and over saying they would " block '' the account if I had a police report. I've submitted ( 2 ) police reports ( 1 ) XXXX complaint ( 1 ) FTC complaint ( 1 ) CFPB complaint and nothing.
Consumer complaint received 2023-02-11
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: U.S. BANCORP (CO)

On XX/XX/2022 my Fidelity " aka '' Elan Financial Svcs was skimmed at a gas station pump and I started receiving charges from out of state. My credit card app started notifying me of the fraudulent charges and I immediately called my credit card to report Fraud. So I called Fidelity and reviewed all the charges on my credit card and I decided to pay my portion of the balance " I owed '' and closed the credit card with a zero balance. On my next statement I get a {$25.00} charge from Fidelity " aka '' Elan Financial Svcs saying I owed them because they reversed a credit from one of the fraudulent purchases. That would have been fine " BUT '' they also were also paid {$25.00} from the Merchant as well. So they were asking me and the merchant to pay them?????????? Fidelity " aka '' Elan Financial is XXXX XXXX XXXX XXXX  I never made the Fraudulent purchase and they are reporting me delinquent to " XXXX  '' who is upholding their decision. XXXX  has asked me for numerous documents and lied to me over and over saying they would " block '' the account if I had a police report. I've submitted ( 2 ) police reports ( 1 ) XXXX complaint ( 1 ) FTC complaint ( 1 ) CFPB complaint and nothing.
Consumer complaint received 2022-10-17
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. (NJ)

XX/XX/XXXX XXXX REQUESTED INVESTIGATION The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave any these creditors written consent to use my personal information or social to open any of this fraudulent account.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed accounts with XXXX XXXX XXXX. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if XXXX XXXX XXXX DID NOT GET ANY WRITTEN SIGNATURE OR AUTHORIZATION FROM ME. This account is fraud or a mix match file that does not belong to me BUT SOMEONE ELSE WITH A SIMILAR NAME, this is in accurate, I have never opened or closed any account with XXXX XXXX XXXX This account does not belong to me. I have never gave XXXX  MY SOCIAL SECURITY NUMBER OR PERSONAL INFORMATION TO OPEN ANY ACCOUNT. This grounds for removal and deletion immediately. I never gave XXXX XXXX XXXX ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD OR MIX MATCH FILE. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULANT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY ACCOUNT WITH XXXX XXXX XXXX They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. THIS ACCOUNT IS Obsolete Outdated AND Too old to be on file ACCORDING TO THE FCRA
Consumer complaint received 2023-10-30
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. (CA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-17
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. (NJ)

XX/XX/XXXX I REQUESTED INVESTIGATION The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave any these creditors written consent to use my personal information or social to open any of this fraudulent account.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed accounts with XXXX XXXX XXXX. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if XXXX XXXX XXXX DID NOT GET ANY WRITTEN SIGNATURE OR AUTHORIZATION FROM ME. This account is fraud or a mix match file that does not belong to me BUT SOMEONE ELSE WITH A SIMILAR NAME, this is in accurate, I have never opened or closed any account with XXXX XXXX XXXX. This account does not belong to me. I have never gave XXXX  MY SOCIAL SECURITY NUMBER OR PERSONAL INFORMATION TO OPEN ANY ACCOUNT. This grounds for removal and deletion immediately. I never gave XXXX XXXX XXXX ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD OR MIX MATCH FILE. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULANT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY ACCOUNT WITH XXXX XXXX XXXX They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. THIS ACCOUNT IS Obsolete Outdated AND Too old to be on file ACCORDING TO THE FCRA
Consumer complaint received 2023-02-11
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)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items information which iare found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files.XXXX  XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$2.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

If you 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 2019-11-30
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (CA)

I did not agree to sign up for ID notify through XXXX but am getting unwanted emails. The only way to cancel is to call their hotline, but in order to cancel you need to give a bunch of personal information. I can not agree to give more personal information to a company I didn't agree to sign up with in the first place.
Consumer complaint received 2023-03-10
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. (NY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-17
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. (CA)

In accordance with the Fair credit Act XXXX Account # XXXX h

as 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 n
ot furnish a account without my written instructions. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX/