davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP (FL)

Received first notice of alleged debt on XX/XX/2024, from Rausch Sturm LLP. Responded via mail with debt verification and debt dispute notice on XX/XX/2024. Received second letter on XX/XX/2024, stating they are willing to talk about services provided. Firm did NOT send any verification information about debt or if they legally owned stated debt. Sent second debt verification notice to firm, again requesting validating information about alleged debt on XXXX XXXX, XX/XX/2024 

XXXX XXXX, XX/XX/2024, received notice of legal action filed on XXXX XXXX, XX/XX/2024 from Attorney XXXX XXXX XXXX, allegedly associated with firm. Legal paperwork issued had limited information about alleged debt, did not include original agreement between original two parties or other verification information. Listed Attorney of record on subpoena is XXXX XXXX, associated with firm. 

Sent Email to all parties about original debt dispute on XXXX XXXX, XX/XX/2024. Received response only from XXXX XXXX stating " Thank you for your email. I've escalated this matter to the dispute team. '' on the same day. 

There has been nothing further from any party involved with the Rausch Sturm firm. I believe they have violated FDCPA by not providing any debt verification information at any time during this dispute, by filing legal action while I specifically disputed this alleged debt collection.
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (VA)

A credit card was opened in my name in XXXX of XXXX that I did not authorize. I did not notice this until I tried to get a car loan in XXXX of XXXX. I have been trying to handle this issue synchrony bank since I found out and they keep saying this is my name, my social security number and my card. It is not my credit card. I did not give authorization to open any credit card in my name from synchrony bank luxury card. 
This has hurt my credit score and I need help to resolve this matter. I do not have any card numbers, or papers regarding this issue.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked 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 of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

Chase closed my account without properly investigating the unauthorized funds charged by farfetch and XXXX on the account. Chase stated that they closed my account ending in XXXX on XX/XX/2024. Chase also stated that they released and mailed the funds to my address. It has been more than XXXX business days since XX/XX/2024 and I have not received a check from chase. I asked chase could I go into a local branch to receive the check and chase declined. I asked chase. I called chase several times and they then stated that the check mailed out on XX/XX/2024 instead of XXXX XXXX. Chase said I should wait until XX/XX/XXXX, XXXX to receive the check in the mail and I still did not receive the check in the mail on XX/XX/2024. There are XXXX amounts in which chase states the check amount would be {$1700.00} and {$2400.00}. Chase also closed the kid/teen checking account for debit card ending in XXXX and did not issue a check.
Consumer complaint received 2023-05-27
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. (NV)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$2700.00} ; XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5000.00}.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (TN)

I contacted this company for validation of the account and debt they have inaccurately reported to my credit profile. I have found *several* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. 

I have contacted XXXX  XXXX on several occasions regarding the COMPLETE REMOVAL of this account. I called them, and they can't even verify me in their system. How is this account allowed to report to my credit report and negatively affect my credit and personal life when this company can't even verify that I'm an actual customer with them? 
To add -- I've never even considered using XXXX XXXX. I've never received a single piece of mail to my home from XXXX XXXX. This account needs to be removed IMMEDIATELY. IT IS HURTING MY PERSONAL LIFE.
Consumer complaint received 2023-05-27
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. (FL)

I am submititing this Complaint to dispute the inclusion of an account on my credit report. I recently obtained a copy of my credit report from the Credit reporting agencies, and upon review, I noticed the presence of an account for which I require documentation to substantiate its validity and compliance with my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to request verification of the accuracy and legitimacy of any information on my credit report. I kindly request that you provide me with the necessary documentation that establishes the legitimacy and rightful inclusion of the account in question. This documentation should include, but is not limited to, the original signed contract, detailed payment history, and any other relevant records supporting the validity of this account. I need the Credit Bureaus to investigate and correct the listed account : XXXX XXXX XXXX : {$400.00}
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IA)

I have been battling this unverified and inaccurate account for a while now and this haven't been proven whatsoever. The information across the reporting bureaus is different from each other implying that this account has different values and information. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) This account is in violation for not reporting 100 % accurate. 

XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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)

Under 15 U S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists Child Support Court as the furnisher that's forgery and misleading when the courts don't report this type of account.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 section 602 A States I have the right to privacy 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 other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX : XXXX ; U.S. Department of Education XXXX XXXX XXXX XXXX Formerly XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX of XXXX XXXX XXXX : XXXX ; US Dept of Education : XXXX
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (TX)

I am a victim of identity theft, I recently checked my credit report and noticed some accounts that I did not open. I would like these accounts removed from my credit report, it is highly affecting my personal life. Per FCRA 6058, this information should be deleted ASAP, Thank you.
Consumer complaint received 2020-09-29
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. (MS)

i have sent Experian, XXXX  and XXXX  XXXX XXXX trying to resolve this matter. In XXXX, i sent letters asking each individual credit reporting agency to verify the bankruptcy they are reporting on my credit report. XXXX  has deleted the unverifable bankruptcy from my credit report, However there are several accounts that i have disputed and they are CONTINUING to report XXXX information on my credit report. I have sent several letters back to back and they are not coroporating. 

XXXX  and EXPERIAN are also reporting inaccurate information on my credit report, and are refusing to ccomply with my disputes. Furthermore BOTH XXXX  and EXPERIAN are claiming that they verified the bankruptcy from XXXX XXXX, attached below you will find where XXXX  XXXX has DELETED the information due to it being unverifable. However XXXX  and EXPERIAN who claimed they got their information from XXXX XXXX has refused to remove the inacurrate information and its been 6 whole months since i sent them PROOF to have the information deleted. 


I have found an FCRA Attorney from XXXX and XXXX XXXX and they have informed me that i can sue XXXX, EXPERIAN and XXXX for inaccurate reporting and defamation of character.
Consumer complaint received 2023-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

Collections showed up on my credit report from Credit Collection Services for charges to XXXX. 
From XXXX : shows {$300.00}. 
From XXXX : shows {$500.00}. 
From XXXX : shows {$500.00}. 
All show date opened as XX/XX/XXXX. I check my reports faithfully ( at least once a week ) and this suddenly appeared on XX/XX/XXXX. I have filed disputes with all 3 companies. Today I received a collection letter in the mail from Credit Collection Services dated XX/XX/XXXX saying I owe {$500.00} for XXXX account # XXXX ( see attached ). I also received a voicemail from XXXX. When I called the number on my voicemail and told him ( XXXX XXXX about the letter I received, his response was for me to " burn it ''. I have voice recordings of the conversations with XXXX from XXXX ( see attached ). I just want this resolved.
Consumer complaint received 2022-12-12
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. (MN)

consistent and privacy, consistent with the coordinate provisions of sections XXXX this section provides that a signature guarantor warrants at to fact at the time of signing. 1681 line 2 right to privacy XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXXXXX XXXX XXXX acct # XXXX XXXX dollars XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX  acct # XXXX XXXX dollars.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I noticed unauthorized inquiries on my report and contacted the credit bureaus to state that I believe someone applied for something in your name. 

I informed them that according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed from my credit report. 

I informed them that I filed a report stating that the items were fraudulent. 

After multiple requests, the credit bureau has not removed the hard inquiries from my report. 

Additionally, there is a fraudulent motor vehicle loan account from XXXX on my credit report. The same scenario has applied.
Consumer complaint received 2023-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal is reporting a credit card debt that was a result of identity theft. I have filed numerous complaints with the CFPB and after investigations the account still remains on my credit file. 

The statue of limitations in Texas to collect a debt is 4 years, this account was opened fraudulently on XX/XX/XXXX, this fraudulent debt should have been removed XX/XX/XXXX. 

Navy federal has now reported to XXXX on XX/XX/XXXX that a payment was made XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act, because Navy Federal has refused to show prove of the payment and the statue of limitations on debt in Texas is fours years and it states that if payment is made or any other activity it does not restart the clock. 

This fraudulent debt should be removed immediately.
Consumer complaint received 2023-03-07
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. (FL)

I purchased the vehicle in 2017 my first time buying a car and I was paying on time every month until I had family problems witch led to me to move states. I contacted the company several times to see if they can lower my payments or work with me but they refused and also they harassed me with phone calls at odd times of the day. I ended up surrendering the vehicle back to them witch led me to be unemployed due to not having transportation.
Consumer complaint received 2023-07-13
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. (NY)

This is my second attempt to inform you that time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} ; XXXX XXXX XXXX  XXXX Balance : {$75.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXX  XXXX Balance : {$75.00} ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

This morning XX/XX/23 I received a " credit alert '' through my XXXX XXXX service through email. It stated that a XXXX XXXX Account was detected on my credit file. The company name is listed as SUNRISE CREDIT SERVICE. I contacted them at a number that was provided on XXXX site and was asked to provide my SS #, Phone #, a picture of a valid ID and a bill from XXXX representing my address at that time.
Consumer complaint received 2023-07-13
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-13
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-05
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. (CT)

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 : XXXX XXXX Acc # : XXXX Account : XXXX XXXXXXXX XXXX XXXX Acc # : XXXX Account : XXXX XXXX XXXX # : 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 state : no consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then 7 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 2023-07-13
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. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( 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 XXXX 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 2023-03-05
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. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.