davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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/2022
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (CA)

I have had a credit card with XXXX for over 30 years, I have always paid my balance every month, never rotated. I, also have had a credit card with Gap. 

We used to live in XXXX  until XXXX of 2020. After we moved to XXXX  one day my credit card was denied by a merchant. I could not believe it because for over 30 years I have had excellent rapport with XXXX and my husband, XXXX XXXX, and I were considered " Private Clients '' of XXXX. After this event our Private Banker at XXXX did not respond to my phone calls. Later, we were told that a partner of XXXX had problems with us. Eventually, we figured out that this it was Gap 's Synchrony bank. There was a hint that multiple people had tried to use my Gap account. To date I do not have any names or explanations about this happening and it must have happened during or through of our move. 

Sofar, all other credit card companies have been fine and my credit score, last time I checked, Was still " very good. '' Please help.
Consumer complaint received 2021-06-28
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: Santander Consumer USA Holdings Inc. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-28
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: Bread Financial Holdings, Inc. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BCA Financial Services, Inc. (FL)

This is my third complaint with BCA. The first two times I received response from the XXXX, XXXX XXXX. She stated this had been requested to be removed from my credit. 
I have received no documentation in regards to it being removed from their company. I have received no further communication at all. 

As of XX/XX/2021 this erroneous item remains on my credit report. 10 days after XXXX last response and it still sits there. I spoke with XXXX  on Friday, XX/XX/2021 in regards to this account and they have received no request to remove this. In fact, the last update they received from BCA was in XXXXXXXX XXXX. I can not dispute this item due to going through the mortgage process so I kindly ask you again, please remove immediately. 

With that being said, I am filing a third and final complaint, and will also follow up with a letter in the mail. This account does not belong to me and it is affecting my credit. I am in the process of purchasing a home and because of this item my score is lower, therefore my interest rate is lower. If this is not corrected immediately I will have to take legal action. I do believe there is also a fine that is incurred for {$1000.00} per line item on each report. 

I have been fighting this for over XXXX  months now and I wish to resolve this and move on. I have included, again, a screen shot of where this shows up on my credit. 

In case you need verification - the account number you have listed is XXXX
Consumer complaint received 2023-03-03
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. (GA)

My name is 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 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

The conpany is a fraud trying to get the debt and i belive how many peopke have fallen in to this tactics. The company name is JEFFERSON CAPITAL SYS. I dont recognize this company where i owed a money and its only {$180.00}. I could have paid just to avoid any reporting. I personally felt i have to report this issue and company information so that they can be shutdown. Plzzz do something about coz many people are having this issue and ahould be stopped. XXXX XXXX
Consumer complaint received 2023-03-03
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. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$620.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-26
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. (CA)

Experian is alleging that more information is needed by them, a private company, than is required by the law that regulates fraudulent activity on consumer reports. As the consumer I have alleged that my rights have been violated and that I am a victim of identify theft. I have provided all four necessary documents to assert this claim by the law. According to 15 U.S. Code section 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of aconsumer that theconsumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ofappropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Experian is claiming I need more for their private company to assert my rights as a consumer than what is required by consumer law. This is a clear violation of my rights.
Consumer complaint received 2020-08-03
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. (AR)

I pulled my credit to myself for the first timE and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CA)

They have already ruined my Credit report 2 times, now they are doing it again, I called the number that was left on my phone to adhere no actual voice computer generated, but they continue to RUIN my credit accounts, what can be Done, do I have to Involve or Seek a Attorney in this Matter, Evidently
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (VA)

XXXX XXXX  Exeter finance corporate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want this deleted these inquiries delete because I didnt authorize these companies to run my credit this fraudulent
Consumer complaint received 2020-04-22
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. (GA)

Equifax has refused to correct the inaccurate information that has caused me to be denied from refinancing my home with XXXX & obtaining a personal loan with XXXX XXXX XXXX XXXX. I have sent numerous dated certified letters to Equifax as well as XXXX XXXX XXXX XXXX. ( who is the debt collection company ) that placed this inaccurate statement on my report. These two entities have reluctantly taken over 45 days to respond to me as well as provide any verification that a debt is owed especially since this is considered a medical debt and now refuse to investigate and respond back to me regarding this matter.
Consumer complaint received 2023-05-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY (IL)

I had an account with Wells Fargo and believe that my car was illegally repossessed because of payments made were not applied to the loan. I spoke with a representative several times and were told the payments were applied. My car was illegally repossessed. I called Wells Fargo to ask about being part of the lawsuit and was told that Wells Fargo was still processing, and reviewing loans and that no information could be given.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SLM CORPORATION (CA)

Company is reporting every month that the account is 90 days late the company to my knowledge has no record of a transaction on this account since XXXX 

This should be deleted as the last recorded transaction on this account was XXXX and therefore over 7 years ago. 

Sallie Mae is reporting a debt on my credit report that is not owed. They are reporting this debt as a charge-off. This debt should have had a 1099 issued when charged off in XXXX  This 1099 and charge-off change the dollar amount from the debt owed to income paid and can no longer be reported as debt nor included on a credit report.
Consumer complaint received 2024-02-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (AL)

They are not trynna remove it off my credit I have not had no vehicle like that in years, also the person is deceased who was he ping me pay on it I never received anything by mail that I owe anything they keep harassing me almost every day
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc. (TX)

This company contacted me and I asked what this was about. They told me and I said I didnt want anymore calls. They call me XXXX times a day from different numbers. I keep blocking the numbers and they keep calling me from different ones. I was in a month to month contract with a business that refused to cancel my contract when I called unless I came into the business directly even though I moved.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EOS Holdings, Inc. (LA)

Contacted XXXX about an account listed as a collection in my credit file for EOS CCA. They were informed that I was seeking VALIDATION for this account as had no knowledge of if. I once had assumed it was something belonging to my ex-spouse but after speaking with her on this matter, I am at a lost. I need to know where to start with tracing this account back to the rightful owner.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Inquiry dates XX/XX/XXXX XXXX 

15 USC 1681 section 602 A. States i have a right to privacy 15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-02-24
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 has recently come to my attention, someone has stolen my identity and has used it to open a line of credit with a company called XXXXXXXX XXXX XXXX I don't know who this person in nor do I know how they got access to my personal report. I have tried to dispute this account multiple times but the company keeps verifying this account belongs to me which it doesn't. THIS ACCOUNT WAS OPENED DUE TO A FRAUDULENT APPLICATION UNDER MY NAME. The below referenced account is the fraudulently opened one. 
XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/2022.
Consumer complaint received 2023-02-23
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. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX on XX/XX/2022, 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. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (TX)

On XX/XX/2021 Capio Partners receive a validation letter from myself via certified mail requesting validation or a contract baring my signature in regards to a collection request from Capio Partners. However, on XXXX XXXX I received in the mail a list of medical records that they did not have authorization to access. This is a directed violation to my HIPAA rights and regulations. On these records are documentations of medications received and/or procedures done. Again, I did not authorize Capio Partners to have ANY access to my medical records. Please be advised that I am aware of my HIPAA rights/regulations and I know for a fact that this is a direct violation of my rights.
Consumer complaint received 2023-03-20
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$760.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$2000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$930.00} XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1000.00} US DEPT ED XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (OR)

I was nearly XXXX  in a car accident caused by an XXXX driver  who made an illegal turn, while onXXXX the clock & t-boned us into a pole. I was XXXX XXXX XXXX for almost a XXXX  after the XXXX  unit for a XXXX. Im waiting for my XXXX  XXXX, Im still recovering over XXXX yrs later. 
Westlake has had no empathy or compassion for my circumstances. 
XXXX XXXX XXXX insurance cut Westlake a check but it wasnt enough for Westlake, I bought gap coverage from Westlake that was supposed to cover the difference. My lawyer tried to contact Westlake to make sure it was taken care of and even with proof of representation they wouldnt speak to him, so he assumed it was taken care of they refused to deal with the person who payed everything when my settlement came in.
They just took the balance and threw it on my credit report as not paid, being late XXXX XXXX & XXXX  days. Now being XXXX as a bad debt which is a complete lie. 
Its not my fault that they refused to speak to my lawyer who dealt with everything when I was unable. 
My list of injuries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc etc etc etc.. I was in no position to deal with bills & Im still not.

I was unable to return to my career that accident ended my XXXX yr career. 
Ive disputed this information repeatedly and they just keep throwing it back onto my credit report, Ive included the check from XXXX XXXX and the gap information from XXXX that is supposed to cover the balance if the insurance didnt. Ive also included the email from my lawyer stating that he has tried to contact Westlake but they refused to talk to him. Everything is always ignored and the bad report is never changed. 
I went to XXXX XXXX  and wrote a review to find out that Westlake definitely has predatory loan behaviors and has consumers begging others to not get loans through Westlake.

Ive also filed a complaint with the XXXX, Westlakes response was that even with the gap the car wasnt paid off but thats what the gap was for to cover what the insurance doesnt. XXXX XXXX paid over {$11000.00} the car only had around {$15000.00} so the gap couldnt cover around XXXX XXXX Isnt that what its for? If there was a balance still owed they refused to speak to my lawyer who was in charge of the payouts from my settlement, how is that my fault?

Theyre claiming I still owe over {$1800.00}, which I dont.
Consumer complaint received 2023-03-03
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. (GA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}