davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Dispute Department XXXX XXXX XXXX XXXX, XXXX, PA XXXX To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also enclosed copies of the Federal Trade commission identity Theft Affidavit. Please Delete the items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of Receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible. 



Fraudulent Accounts XXXX  XX/XX/XXXX Amount : XXXX Account XXXX : XXXX
Consumer complaint received 2018-09-25
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: Experian Information Solutions Inc. (CA)

This complaint is about Experian and how they handled my credit file. They have put erroneous information on my credit file, including two new inquiries even though those inquiries do not have my correct name or SSN associated with them and also I have a credit lock in effect since late last year. 

I have been frequently monitoring my credit reports regularly. And until around last week, I only had two hard inquiries on my credit report ( from  XX/XX/XXXX ). 

Suddenly, when I checked my reports this last weekend on XX/XX/XXXX, I saw two additional hard inquiries that appeared on my Experian report ( report number XXXX ) but not on the reports from the other two credit bureaus. I also see a name on my Experian report that does not belong to me. 

One inquiry is from XXXX XXXX, inquiry date of XX/XX/XXXX. ( Please note that this inquiry is from XXXX and it only appeared on my report just this weekend. It wasn't there before. ) Another one is from XXXX XXXX, inquiry date of XX/XX/XXXX. ( Note that this is from XXXX and it only appeared on my report this weekend ) The invalid name is listed as " XXXX XXXX XXXX ''. 

I called Experian several days in a row. It spent many hours waiting on the phone to be able to talk to various reps on XX/XX/XXXX and XX/XX/XXXX. 

Finally, when I was able to get an Experian representative to look into my file, they confirmed that the source of the invalid name " XXXXXXXX XXXX XXXX '' and at least one of the above mentioned invalid inquiries ( XXXX XXXX ) are related. They said that there was no SSN associated with this query inquiry. 

And yet Experian has erroneously linked the above name and inquiry to my credit file. 

The Experian rep I talked to only offered to remove the invalid name from the credit report but not the inquiry even though the source of the name is the invalid inquiry. 

I believe both of the above inquiries and the invalid name are related and have been placed on my credit report in error by Experian. 

Also, when I talked to the Experian employee XXXX from their XXXX department, she informed me that there has been a credit lock in place on my credit report since late last year. So the above inquiries from the this year should have been blocked. 

Please help remove these three erroneous items from my file as soon as possible. 

I have a new job offer and the employer is currently doing a background screening. Experian would be responsible if my job offer is rescinded because of their errors on my credit report. 

You can reach me at XXXX Thanks, XXXX
Consumer complaint received 2022-05-23
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-09-25
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)

Hello federal agency. The creditors clearly made a mistake. I have several accounts and inquiries that are not mines. Can I please have help? How can a XXXX XXXX be on my credit? How? XXXX XXXX  XXXX???? without out me noticing it. Please I need this off my credit including XXXX XXXX, XXXX and XXXX  inquiries. Please Im sorry but Im stressed.
Consumer complaint received 2015-05-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (SC)

Santander accepted a settlement after an auto accident. They also agreed to return an over payment of XXXX. Since then they have reneged on their agreement, and have started harassing my wife and me. They are claiming we owe them money, and they have placed negative reports on our credit. We have sent them several letters, including XXXX from our attorney, and they continue to ignore us.
Consumer complaint received 2023-02-06
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. (NJ)

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 2022-05-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX, I received an " Everyday Checking Account '' # XXXX statement from Wells Fargo dated XX/XX/XXXX. I have never applied for this account. My only business with Wells Fargo is a Quarterly Payment from XXXX. 
Calls to Wells Fargo Fraud Dept. on XX/XX/XXXX, claim # XXXX, they said they would check on it and get back to me in 30 to 60 days. Other calls to Wells Fargo stated the account was opened in XX/XX/XXXX and closed XX/XX/XXXX. In late XX/XX/XXXX. I received a second checking account statement, dated XX/XX/XXXX. 
Wells Fargo sent me an " I.D . Theft Affidavit '' for me to fill out. I completed, had notarized and returned XX/XX/XXXX. XXXX XXXX, XXXX Wells Fargo requesting more info already included in the Affidavit, I sent in the info again on XX/XX/XXXX, assigned case number # XXXX. 
It has been over 90 days since the last letter returned to Wells Fargo and no response from them. 
This account never appeared on my Credit Reports so I can only assume it was done by someone at Wells Fargo.
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MN)

On XXXX XXXX I got a text from a Cardinal Financial employee about refinancing I was not ready to do it right now. Before I knew it she had pulled my credit without me giving her permission. I worked with her last year on buying a house that's how she got my social security number. So I texted her back and asked her to take the inquiry off and I got NO response from her.
Consumer complaint received 2023-04-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Neon Newco Corporation (MD)

The merchant got XXXX out my account and they cancelled it Ace is still holding my money I a checking account that I closed this has been since XX/XX/XXXX I have sent several messages the merchant have sent proof and they are still holding my money this have put me in almost getting car repossessed rent behind it's a month and they still have released it so I have proof from merchant that I will attach
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (GA)

CLARK COUNTY COLLECTION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$120.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-09-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (GA)

I have a Mortgage with Selene Finance from XXXX, TX and I'm having problems with them as they won't payoff my Mortgage from a Certified Check I sent them on XX/XX/2018. All I get from them is a 30 day wait letter ( I have many ). Please check all the documents that I have attached concerning this problem and help correct this error from Selene Finance.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AZ)

Reports of late payments were issued to the mortgage account for the year of XXXX - XXXX. Payments made to the company were never more than 30 days late, per credit reporting guidelines reports should only be made on credit reports when payments are made 30 days or later. 

Verbal contact was made to the company 's customer service, regarding reporting. Customer service associate stated the company would not be able to do anything regarding the reporting, due to the report already being sent to the credit bureaus. 

Credit bureaus were contact regarding the reporting, reports were received back and stated that the company did not remove or issue a note regarding the situation.
Consumer complaint received 2022-05-22
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. (CA)

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 : ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WITTEN INSTRUCTIONS. 
COMPANIES : XXXX XXXX {$350.00} XX/XX/2022 AND XX/XX/2022 I CALL AND I WAS TOLD THE SYSTEM DIDNT HAVE MY INFORMATION AND DONT WORRY ABOUT IT. 
COMPANIES : XXXX XXXX {$570.00} XXXXXXXX XXXX,2022 AND XX/XX/2022 I CALL AND I WAS TOLD MY INFORMATION COULD'T BE FOUND
Consumer complaint received 2018-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jones, Robin & Robin, P.C. (GA)

I have written the law firm and the firm administrator, XXXX XXXX. The registered agent, XXXX XXXX, also refused to respond to debt verification of the debt she is representing that I owe. The letter first letter is dated XX/XX/XXXX and the second in dated to XXXX XXXX dated XX/XX/XXXX. the letters were received and more than 5 days have passed for the latter and more than thirty days for the first. 

the letters have been received and reviewed an I have proof of delivery
Consumer complaint received 2018-09-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: States Recovery Systems, Inc. (MI)

I was contacted by STATES RECOVERY SYSTEMS INC for a old credit card that I believed was inaccurate. The amount in question I stated was in dispute by me as well as the time line. I was told that to prevent future action by them I had to pay {$3000.00} immediately. The collection notice is dated XX/XX/2018. I am extremely concerned they will continue to harass me and make threats.
Consumer complaint received 2015-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (CA)

On XXXX XXXX, 2015 I wrote a letter to Pinnacle Credit services , LLC requesting proof that this account belongs to me. To provide me with a copy of any contract sign by me with XXXX XXXX regarding this collection account. They never responded and last week I received a letter dated XXXX/XXXX/2015 from XXXX XXXX informing me that they now represent Pinnacle Credit services.
Consumer complaint received 2022-05-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also enclosed copies of the Federal Trade commission identity Theft Affidavit. Please Delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of Receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible. 



Fraudulent Accounts BK Of AMER XX/XX/XXXX Amount : XXXX Account Number : XXXX
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, My name is XXXX XXXX and I have tried countless times for about 8 months now to have unverified debt and wrongful information across the three credit bureaus removed from my credit reports and taken care of. During the past 8 months, my rights have been violated in which the bureaus have not responded or have failed to meet my demands where I reached out to them and they claimed it wasn't me or asked for identification in which I have sent them countless times as a stall tactic. I will submit all my work/disputes I have submitted for the past 3 months and I am hoping the CFPB can finally bring this to a close as dealing with all 3 bureaus have been an headache as they don't comply with the law at all and are still partaking in illegal activities.
Consumer complaint received 2016-03-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Federated Capital Corporation (NC)

In XXXX our corporation was issued a XXXX business card in the name of XXXX XXXX XXXX that continually harassed us for about 3 yrs and claim that the debt is owed by my husband which it is not XXXX business cards sold the the account to XXXX and XXXX who claimed to be attorneys they were not set up a settlement with us which we paid in XXXX XXXX the the corporation they never reported it XXXX kept the money XXXX on {$4000.00} they said was owed then they turned it over to a debt collector in XXXX named federated financial services which went after my husband with their attorney and said he owed XXXX with al the penalties late fees and interest every month they had the XXXX come to our home threatened us and told employers our confidential business XXXX business is bankrupt and federated has changed their name to XXXX XXXX XXXX we have paid this and do not owe anything just who are they collecting debt companies settled for pennies on the dollar and we paid them we want it removed off of my husband credit report and post as debt settled and to leave us alone.
Consumer complaint received 2022-04-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Last year XXXX of XXXX I sent a dispute to Agency requesting an investigation into this account that was reporting wrong information and they sent to me saying the information was verified. On XX/XX/XXXX I sent a dispute by mail to TransUnion regarding this account that was still reporting the error showing a late payment for the account that was Never late asking for them to re investigate and to send me the method of verification that was allegedly given. Today is XX/XX/XXXX and I was NEVER notified of the status of the investigation nor given verifiable proof of late payment as I requested. I also contacted the original creditor and upon my request by phone and mail they were not able to give me proof of a print out of my statements, payments made or my payment history nor did they give me the original contract as requested. I feel I am being bullied! This account was paid in full, and the alleged month that I made a late payment was my last payment to complete the full payment of loan. I did not make sure ALL my payments were on time to get to the last payment to not pay. My account was up to date and paid on time every month up to that point. I had my debit card connected to my account on autopay so there is NO way I could have had a late payment as shown on my account. Again I completely paid off this account with NO late payments or derogatory marks. This account is incorrect and erroneous. At this point I am very frustrated as I am being taken advantage of by being misrepresented by this Credit Reporting Agency of my effectiveness and ability to pay back my debts and obligations on time and I have worked hard to keep all my accounts in good standing. This is unacceptable! Please help me with this situation before I have to spend my time and money seeking litigation for monetary compensation that's owed to me by federal law for this misrepresentation and unwillingness to investigate into this matter properly. This incorrect information being reported is a hinderance as well as not true I demand that it be corrected. I do no have any bills so I will send for proof of my Identity my social and Identification card that has my current address listed and this should suffice for proof.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PDQ Services, Inc. (GA)

To Whom it may concern, This correspondence is in response to the complaint XXXX XXXX XXXX XXXX ( XXXX ) received from your office on XX/XX/2022 on behalf of XXXX XXXX in which XXXX XXXX XXXX alleges he is a victim of identity theft. 

We're pleased to provide the additional information your office requested please view attached documents. 

XXXX XXXX XXXX sent documents XXXX requested to verify XXXX XXXX XXXX identity such as ( state identification, billing document, social security number, and final FTC affidavit
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (GA)

To Whom it may concern, This correspondence is in response to the complaint XXXX XXXX XXXX XXXX ( XXXX ) received from your office on XX/XX/2022 on behalf of XXXX XXXX in which XXXX XXXX XXXX alleges he is a victim of identity theft. 

We're pleased to provide the additional information your office requested please view attached documents. 

XXXX XXXX XXXX sent documents XXXX requested to verify XXXX XXXX XXXX identity such as ( state identification, billing document, social security number, and final FTC affidavit
Consumer complaint received 2022-05-22
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. (CA)

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 : ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WITTEN INSTRUCTIONS. 
COMPANIES : XXXX XXXX {$350.00} XXXX XXXX, 2022 AND XX/XX/2022 I CALL AND I WAS TOLD THE SYSTEM DIDNT HAVE MY INFORMATION AND DONT WORRY ABOUT IT. 
COMPANIES : XXXX XXXX {$570.00} XXXXXXXX XXXX,2022 AND XX/XX/2022 I CALL AND I WAS TOLD MY INFORMATION COULD'T BE FOUND