davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
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. (FL)

This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

U S DEPT OF EDXXXX Account XXXX XXXX U S DEPT OF ED/XXXX  Account # 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
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (GA)

I called on XX/XX/XXXX and made a payment I called on XX/XX/XXXX and XXXX to fix this issue. 

I need Target to remove that late fee off my credit and correct my account.
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-02-21
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Delete this account. 
2. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, OK XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, OK XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2022-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (PA)

A debt collection in the amount of XXXX showed up on my credit report. It is by way of a complex called XXXX XXXX XXXX. Ive never been too XXXX XXXX, let alone lived there. This debt is not mine and is the result of identity theft. The collection is coming from Professional debt mediation , Inc
Consumer complaint received 2023-06-24
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. (NV)

In light of these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with detailed information pertaining to the alleged accounts, including any associated transactions, applications, or account activities. It is crucial that I review this information in order to assist in the investigation and help identify any fraudulent activity that may have taken place. 
Furthermore, I kindly request that you suspend all activity and remove the related alleged accounts immediately, including any associated fees, charges, or penalties. 
I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. 
I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your instution and am confident that you will handle this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this concerning issue. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card inquiry date : XX/XX/XXXX
Consumer complaint received 2018-07-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

SPS purchased our 2nd mortgage loan last XX/XX/XXXX. At first they led me to believe I was late so I filed a complaint w/ cfpb. Things got resolved but I felt I was getting played based on SPS 's reputation. ( maybe we have someone not paying attention? ) Last XX/XX/XXXX they forced placed a flood policy on me. I ignored it knowing their reputation and was not paying for dual coverage.I have not paid the premium. I finally got tired of them asking for the premium and sent them my XXXX page. Not good enough. Apparently since this was new construction the legal address does not match the physical address. No big deal they say " It is required by FEMA. After all these years no creditor has challenged this. So .... The insurance company says the agent has to change it and the agent told me to call the insurance company. Again no big deal as we been carrying flood insurance since we purchased the house. Again, I feel like is SPS looks for borrowers to extort money from ; somebody not paying attention. They have gotten better ; the call center employees sound more convincing and professional : but when asked ( several people ) to review my policy ( XX/XX/XXXX page ) ; almost all ( insurance experts ) had no access to it ; ( a couple did ) when they all should. Now I'm asking for a deferment and I'm feeling I will get the run around. I've been down this path before.! A group of investors buying a distressed book of business handled by young people in a call center in XXXX XXXX XXXX.
Consumer complaint received 2022-12-18
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. (CA)

i AM A VICTIM OF IDENEITY THEFT mY PERSONAL INFORMATION IS STOLEN AND A CRIMINAL THAT I DO NOT KNOW - HAS APPLIED FOR ACCOUNTS THAT ARE NOT MINE THESE ACCOUNTS ARE FRAUDULENT AND MUST BE BLOCKED AND REMOVED PLEASE BLOCK AND REMOVE THE FRAUDULENT ACCOUNTS 1 ) Company or Organization : XXXX XXXX XXXX - CHARGE OFF - AUTO LOAN Account Number : XXXX - amount {$14000.00} 2 ) Company or Organization : XXXX  - CHARGE OFF Account Number : XXXX amount {$2300.00}
Consumer complaint received 2022-12-18
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. (AZ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX ( account # XXXX ), XXXX XXXX XXXX ( account # XXXX ) have violated my rights. Please delete these accounts from my credit reports. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-18
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. (GA)

Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX I am writing to formally dispute the accuracy of several items listed on my credit report. After careful review, I have determined that the following inquiries and accounts are not mine and should be removed from my credit report immediately : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXXXXXX  Status : Paid, Closed. 

XXXX. XXXX XXXX Date opened : XX/XX/XXXXXXXX  It is evident that these items do not pertain to me, as I have never engaged in any financial transactions with the entities listed above. Furthermore, the address and names associated with these items do not match my personal information : Address : XXXX XXXXXXXX XXXX XXXX XXXX SC XXXX Resident type : Single family Names : XXXXXXXX XXXX XXXXXXXX XXXX XXXX I demand that Experian conduct a thorough investigation into these discrepancies and promptly remove the inaccurate items from my credit report in accordance with the Fair Credit Reporting Act. Additionally, I request written confirmation of the deletion of these items once the investigation is complete. Please consider this letter as a formal request for correction under the provisions of the Fair Credit Reporting Act, and kindly provide me with updates on the status of my dispute. Thank you for your attention to this matter.
Consumer complaint received 2024-04-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Uprova Credit, LLC (TX)

I was interested in an instant loan, my bank ( XXXX XXXX ) had offered me {$500.00} instantly for 4 payments of {$130.00} over 4 months. I called them to ask if I could get the same loan again but they are no longer offering it. I searched for other instant online loans and came upon uprova.com. I did not see any terms, financial interest rates or anything, until AFTER I sent them a ton of PII. Before I completed the loan, I looked at the installment documentation, and I would end up paying over 500 % in interest. I had no idea interest was going to be so high - if I did I would have never sent them any of my info. I applied online on Sunday, XX/XX/XXXX in the afternoon ( XXXX ). Since then I did not complete the loan application, they have called me 5 times ( as of XXXX XXXX on XX/XX/09 ). They sent me an email today at XXXX XXXX saying XXXX XXXX your funds are waiting for you. 
We just need you to sign your documents. * We recently received your application and you have been pre-qualified. * Your funds are still on reserve for you. There is only one thing we need ; your signature*. So that we can complete your request and send your funds quickly, please click on the button below and you will be redirected to our website where you can e-sign your documents. Once you have signed your contract with us, we can disburse your loan proceeds. * Sign My Documents Have questions? Visit our FAQ page to find answers to some common questions or give us a call at XXXX. 

Remember, you can pay more towards principal or pay off your balance at any time without penalty. 

Sincerely, Uprova Credit LLC Uprova Credit LLC Uprova Credit LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX *Important Information : Acceptance of your application does not guarantee funding. You will not be eligible for funding if underwriting standards are not met or if your application is missing required information, is inaccurate, or can not be verified. Please read all loan documents before signing. 
XXXXSame Day Funding may be available upon request and fees and restrictions may apply. Your financial institution may have additional requirements. Please contact your financial institution for availability and cost. '' I want to unsubscribe from their emails but the footer says : " This email was sent to : XXXX If you no longer wish to receive email communications from Uprova Credit LLC, contact our Customer Service Department at XXXX to unsubscribe. '' Why do I have to call to unsubscribe? I thought all marketing emails were supposed to be easy/simple to unsubscribe? I also don't know how to have them delete all my information and redact/delete anything I've sent them. 

Also the email address changes, today I've received emails from : Approval Dept XXXX Uprova XXXX XXXX
Consumer complaint received 2020-02-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (NY)

My leased XXXX BMW was totaled on XX/XX/XXXX in XXXX county, New York. 
I've been an excellent customer of BMW for over 5 years, all lease payments and insurance payments were current.

I have New York Total Loss provision in my lease contract where it states " I'm not liable for an additional early termination charge '' etc.

My insurance company gave them a check cash value, taxes fees etc. and an outside valuation report.

BMW has sent me to collections, claiming I owe {$4000.00} and am responsible for terminating my lease early and penalized as such for fees and taxes. 
The car was classified as " new '' on my lease agreement although it had XXXX miles on it when purchased.

BMW is charging me {$1200.00} for overmileage at time of crash, and refuses to recognize the previous mileage upon inception.

My insurance claims adjuster has tried to contact BMW over 15 times and put on hold for over 15 minutes and will not spend any more time on this matter.

BMW will not send me any documentation supporting their claim that the car cash value is @ $ XXXX. 
No outside agency values the car at that price. 
I've sent a certified letter to them in reference to this matter, as well as XXXX internal messages on their secured server.
Consumer complaint received 2022-12-18
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)

i ama victim of identity theft. My information was stolen and used without my consent. I reached out to the company and there are not responsive. There are unauthorized hard inquiries on my credit report that must be removed. 

my social security card, my state id and my ftc report are attached. 

please block all these unathorized fraudulent inquiries. 


I am a Victim of Ideneity Theft. My identity has been stolen. UNAuthorized inquiries have been made WITHOUT my consent. 

Block and remove all of the following illgeal inquiries that are fraudulent. 

1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX, 2 ) XXXX XXXX  XX/XX/XXXX, 3 ) XXXX XXXX  XX/XX/XXXX, 4 ) XXXX XXXX XXXX XXXX XX/XX/XXXX, 5 ) XXXX XXXX XXXX XX/XX/XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XX/XX/XXXX, 7 ) XXXX XXXX XXXX XX/XX/XXXX, 8 ) XXXX XXXX XXXX XXXX XX/XX/XXXX, 9 ) XXXX XXXX XX/XX/XXXX, 10 ) XXXX XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, 12 ) XXXX XXXX  XX/XX/XXXX, 13 ) XXXX XXXX  XX/XX/XXXX, 14 ) XXXX XXXX XXXX XXXX  XX/XX/XXXX, 15 ) XXXX XX/XX/XXXX, 16 ) XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-11-07
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. (PA)

As of XX/XX/2022 my car loan was listed as a repossession on my credit. My car was never repossessed nor did XXXX XXXX XXXX XXXX attempt to repossess the vehicle. I filed a credit bureau review request with XXXX XXXX, to which I received a letter in the mail stating they were reporting information accurately. I ended up trading the car in. How can I trade in a car that was reposessed?
Consumer complaint received 2022-12-18
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)

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. : States consumer report must be 100 % accurate. 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 and 15 U.S.C 1681 Section 605 A 1.

See Attachment of Proof of Inaccurate Information YOU HAVE 4 DAYS FOR DATE OF RECEIPT TO DELETE INFORMATION.
Consumer complaint received 2022-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery One, LLC (GA)

XXXX XXXX, 2021 ( 1 yr, 2 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Collection account Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX {$290.00} Closed No Info
Consumer complaint received 2022-12-18
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX ( in the amount of {$3000.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$740.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amounts of {$500.00} and {$580.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  ( in the amount of {$220.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$120.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( in the amount of {$81.00} ) 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 an account without my written instructions.