davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
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. (MO)

XXXX  and Transunion are reporting incorrectly an account where I am shown as an Authorized User on the XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

This account has appeared on my credit report file before and has since disappeared. I called to pay off my medical debt ( $ 255-ish ) with Rash Curtis & Associates to find out that a XXXX XXXX Apartment account still in collections. I have used CFPB before to settle my many credit card debt that I have had due to Identity Theft. This XXXX XXXX Apartment collections account appeared during the time the credit cards were opened, unbeknownst to me therefore without my authorization. I have been living with my parents and have never moved out nor stayed at XXXX XXXX Apartments. My previous partner many years ago stole my social security information and has opened up said credit card accounts under my name and took the liberty added himself as a secondary on all accounts. I never authorized any cards nor did I authorize for him to have this information - let alone rent out an apartment without my consent! I have never missed a car payment on my first car loan, nor my second ( current ) auto loan, credit card payment, nor rent - I have a positive payment history. I have also asked all the company that have forgiven my Identity Theft debts to press criminal charges if possible to my previous partner. If you notice on my account my ex partner also attempted to either open a credit card or a loan and added an address in Nevada to my credit file, he currently lives in Nevada. I have NEVER left California and let alone have an address in Nevada!
Consumer complaint received 2019-07-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (VA)

American Express continues to harass me even though they know I have no ability to provide any payment, am unemployable due to XXXX  illness. I was recently diagnosed with XXXX and additional XXXX  illnesses and are they are stating to me that collecting the balance on my card is more important than the value of my life. I do not have a source of income. I am unable to work, am under XXXX and XXXX  care and have been admitted in to the hospital on XXXX XXXX The company does not care if I XXXX XXXX due to their harassment. The company agreed to stop contacting me due to my XXXX  condition, but again today they called me to harass me even knowing the XXXX  of my XXXX state and XXXX XXXX. 

They have already violated the law by continuing to contact me after they said their calls would cease.
Consumer complaint received 2019-12-11
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One is reporting an erroneous late in XX/XX/2019. They closed the account because I was inaccurately reporting as deceased for some time when it was my husband who passed away. I attempted to call them to pay and was declined and told I couldn't pay it, the account then went past due and was closed immediately after. I spoke to them about it and they gave me a new card and account number but this one is still reporting on my credit. The late was erroneous and not my fault and I need it removed.
Consumer complaint received 2019-07-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

On XX/XX/XXXX I had a XXXX procedure performed by XXXX XXXX XXXX XXXX XXXX XXXX. Before the procedure, I was given a price for XXXX of {$800.00} and {$470.00} for anesthesia. ( please see attachments # XXXX ) In XX/XX/XXXX I discover a collection on my credit report for {$2200.00} posted by Collection Bureau of Hudson Valley, with original creditor XXXX XXXX XXXX, however, I have never received any collection letters from them before. On XX/XX/XXXX I sent a request to the collection agency ( Collection Bureau of Hudson Valley ) with a request to validate my debt. On XX/XX/XXXX I received an answer from a collection agency stating that they are in receipt of my dispute along with account ledger from the original creditor. They had failed to provide me with any copy of any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. On XX/XX/XXXX I sent another mail to the collection agency requesting them to delete this collection record from my report as the amount is incorrect and they failed to validate that this debt belongs to me, and haven't received any answers from them till today. ( please see attachments # XXXX ). I also have contacted XXXX XXXX XXXX and they confirm that that was their mistake and I should have been billed for the amount of {$470.00}. ( Please see attachment # XXXX ) They have never sent me a bill for right ammount, however.
Consumer complaint received 2019-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (WI)

I have disputed all of account from Americollect to verify my debt. However instead of the agency verifying the amount owed they sent me copies of my medical records. I did not sign a HIPAA release for them to even have access yo my records this has violated my rights.
Consumer complaint received 2023-02-25
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. (CA)

I am writing to dispute several hard inquiries on my credit report from TransUnion. As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and believe that these inquiries were conducted without my consent or authorization. 

The hard inquiries in question were conducted on the following dates : XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reviewed my credit report and confirmed that these inquiries were not initiated by me nor were they authorized by me. I have not applied for any credit or loan products during this period, which leads me to believe that these inquiries were made in error or fraudulent. 

According to the FCRA, credit reporting agencies such as TransUnion are required to investigate and verify the accuracy of information reported on credit reports. Furthermore, any unauthorized inquiries that appear on a consumer 's credit report must be promptly removed upon notification by the consumer. 

In accordance with the law, I have already taken action to address these unauthorized inquiries. I have submitted written disputes to TransUnion and requested that they remove these inquiries from my credit report. However, despite my efforts, these inquiries still appear on my credit report and have negatively impacted my credit score.

I believe that these unauthorized inquiries have caused me financial harm, as they have led to a decrease in my credit score and could potentially impact my ability to obtain credit in the future. Therefore, I am requesting that the CFPB intervene on my behalf and investigate this matter further. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-11
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. (GA)

I have been asking Experian to provide Proof of Validation for 3 accounts in collections on my credit report. I sent my initial validation request to them to in XX/XX/2019 certified mail and received a response back from them dated XX/XX/2019 that the 3 item on my collection report were validated (XXXX XXXX, XXXX XXXX XXXX XXXX XXXX). I then sent a 2nd request Proof of Validation Letter onXX/XX/2019 to Experian and received a response dated XX/XX/2019 the same exact letter from the XXXX response. I then on XX/XX/2019 sent Experian another certified letter of Proof of Validation and Pending Complaint Filing letter in which I received a response dated XX/XX/2019 again the same Oscar  letter they sent the two previous times. I then on XX/XX/2019, sent another certified letter to Experian requesting a Credit Bureau Verification Procedure Request and received a response dated XX/XX/2019 that they were valid.  I noticed that XXXX XXXX is not on the current report, but it does not show where it was deleted either.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, Equifax removed XXXX points from my credit score. The apparent resons were 1 - Inquiry removed 2 - Balance decreased 3 -Payment history changed
Consumer complaint received 2019-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc. (DE)

Since our Joint Chapter XXXX Bankruptcy was DISCHARGED on XX/XX/2017, XXXX XXXX CONTINUES to harass me, XXXX XXXX XXXX, via miscellaneous collection agencies. My attorney 's well aware of this. 

For more details, please see the attached documentation or contact my attorney.
Consumer complaint received 2019-12-02
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: Experian Information Solutions Inc. (IA)

In XX/XX/2019 I went to XXXX XXXX to purchase a new car. XXXX ran my credit, and I purchased my vehicle. In XX/XX/XXXX my son, who already had his own financing set up, and I went into XXXX to purchase a vehicle. My credit was ran then, even though he already had financing set up, and knowing that i would not be able to co-sign for him because I just got out of bankruptcy in XX/XX/XXXX. My credit was pulled 16 times according to my credit report from XX/XX/19-XX/XX/19. Again, his financing was already in place so there was no need to even pull credit. I literally called the financing office at the dealership, walked outside with them on the phone, gave them the vin number, car specifics, and handed my cell phone to the finance manager to finish the transaction. Then on XX/XX/2019 I brought my car in that I bought in XX/XX/XXXX because of a defect of a repair they made when I purchased the car. Instead of just fixing it, they again tried to sell me another vehicle. So they ran my credit another 10 times. So my credit has been pulled 26 times within 3 months from the same company for the same thing. That is excessive. I have disputed with the credit reporting agency these inquiries and I was given some ridiculous reason why this is ok. THIS IS NOT OK IN ANY WAY SHAPE OR FORM.
Consumer complaint received 2019-12-02
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: EQUIFAX, INC. (IA)

In XX/XX/2019 I went to XXXX XXXX to purchase a new car. XXXX ran my credit, and I purchased my vehicle. In XX/XX/XXXX my son, who already had his own financing set up, and I went into XXXX to purchase a vehicle. My credit was ran then, even though he already had financing set up, and knowing that i would not be able to co-sign for him because I just got out of bankruptcy in XX/XX/XXXX. My credit was pulled 16 times according to my credit report from XX/XX/19-XX/XX/19. Again, his financing was already in place so there was no need to even pull credit. I literally called the financing office at the dealership, walked outside with them on the phone, gave them the vin number, car specifics, and handed my cell phone to the finance manager to finish the transaction. Then on XX/XX/2019 I brought my car in that I bought in XX/XX/XXXX because of a defect of a repair they made when I purchased the car. Instead of just fixing it, they again tried to sell me another vehicle. So they ran my credit another 10 times. So my credit has been pulled 26 times within 3 months from the same company for the same thing. That is excessive. I have disputed with the credit reporting agency these inquiries and I was given some ridiculous reason why this is ok. THIS IS NOT OK IN ANY WAY SHAPE OR FORM.
Consumer complaint received 2019-07-15
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 received results of an investigation from Equifax on XX/XX/2019. They failed to remove derogatory items from my credit. I am frustrated because the same thing happened with the other two credit bureaus as well. I am frustrated because I thought that I followed the proper procedures in filing a police report and disputing the items that were identity theft. I have no control over what someone has done in my name but I am doing all that I can to get my credit back together. It's not fair that someone can take advantage of me and use my name and the credit bureaus ( Equifax, XXXX, and XXXX  ) fail to do their job in deleting the items.
Consumer complaint received 2019-12-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

A person from the number XXXX called me today at XXXX Eastern Time, and said their name was XXXX XXXX, and freely rattled off the last 4 of my Social Security number and my name as if it were not a protected number. I asked for the name of this person's company, and they initially refused to give this information: it was not until I pressed this person calling me about what company they represented that I was told that they were from Portfolio Recovery. I explained that any part of my Social Security number is issued by the United States Government, and should not just be rattled off at the beginning of any conversation, and used as a way to traumatize or intimidate someone. Also this person XXXX XXXX had no problem continuing with the conversation by freely rattling off my date of birth, which should also be protected information, almost as a way to torment or taunt me that she has this personal identity information. This is dangerous business practices and abuse of my personal information, and if they're doing this to me, they are doing this to other people; please help. Thank you.  XXXX XXXX
Consumer complaint received 2019-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Fraudulent accounts were opened online, in my name with XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not know about these accounts until I received a debt collection letter in regards to one of these accounts. These are fraudulent accounts that I never opened! 

When I became aware of the fraudulent accounts, I immediately opened disputes with credit bureaus, reported to XXXX XXXX XXXX fraud department and XXXX XXXX XXXX XXXX   fraud department for investigation on XX/XX/XXXX. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft. 

I received a collection letter for the amount of {$7800.00} from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with XXXX XXXX XXXX with a balance of {$990.00}, and the other with XXXX XXXX XXXX XXXXXXXX in the amount of {$7800.00}. I have never received a card for the accounts with either company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the accounts. I did NOT apply for the accounts!!! 

XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX also never contacted me to verify my identity before the accounts were fraudulently opened in my name! 

XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX  have been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get these removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from my credit report and collections.
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (NY)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting 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)

EXPERIAN Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2023 ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. 
Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. 
IF YOUR COMPANY ATTEMPTS TO CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-12-11
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. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2018-06-17
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: EQUIFAX, INC. (AR)

The only one out of 22 hard inquiries that i know are mine are the XXXX XXXX XXXX ones thats it ... they have already let my infromation get leaked now dont want to fix this issues ... also have not resposed over many times i have tired to get report on XXXX XXXX Needs removed
Consumer complaint received 2023-09-09
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

This XXXX is for Capital One Auto Financing. This is a negative inquire on my credit report that needs to be removed. I did not authorize this to be on my credit report. There are XXXX negative inquires from Capital one Auto Financing. The dates of these inquires are XXXX XXXX, XXXX, and XXXX. I ask that you please take a look at this issue for this to be resolved off of my credit report. Please send Capital One Auto Financing a letter stating to them that these negative inquires do not belong to me, I am not responsible for these inquires, I do not have a Auto loan through them at all, and that the information needs to be removed immediately.