davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
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: American Collection Services, Inc. (OK, TX) (NC)

I constantly dispute these accounts in questions and I am not provided anything showing these accounts belong to me yet they are sold over and over again to companies that post them to make it seem like I just opened the account last month. These companies did not provide me any information in the form of a letter that they were putting these things on my credit report which they are required to do. I don't understand how they are able to report these accounts on my credit that are not accurate and make it seem as if I incurred this debt last month. 

Reported by XXXX  : XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) XXXX  XXXX Opened : XX/XX/XXXX Amount {$230.00} ( Please provide proof this account belongs to me and that it was opened XX/XX/XXXX. ) Original Creditor : XXXX XXXX XXXX ( XXXX XXXX is based in Oklahoma where I lived in XXXX and, moved and, haven't lived there since XXXX How could I have opened an account last year? ) XXXX XXXX XXXX  ( also known as American Collection Services ) Opened : XX/XX/XXXX Amount : {$120.00} ( Again Oklahoma Business stating I opened and account in XXXX and I did not live there. ) Original Creditor : XXXX XXXX XXXX XXXXXXXX ( Did not live in Oklahoma in XXXX ) I would like all the companies above to remove these accounts from my report and stop reporting inaccurate at this point fraudulent information for years this has been going on. 

Reported by XXXX  : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$840.00} ( This doesn't belong to me was never provided proof after asked several times that this account belongs to me ) Original Creditor : XXXX  XXXX XXXX ( They never reached out to me about this, I don't know what this is and this does not belong to me I need It to stop being reported and removed immediately. ) XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me what they are reporting is completely inaccurate and needs to be removed ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) Again I need these accounts to stop being reported and to be removed immediately Unless I can receive physical proof that these accounts in question were opened by me on the dates these companies are reporting.
Consumer complaint received 2021-08-09
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 (NY)

I have these accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-12
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: EQUIFAX, INC. (AR)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Discover of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Discover is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. 

Discover has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My SSN was stolen and used to buy a phone from XXXX XXXX XXXX. 

Now XXXX XXXX XXXX has sent a collection agency after me, which has adversely affected my credit score. 

This happened AFTER I put a fraud alert on my credit report.
Consumer complaint received 2021-08-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (MN)

I was told and pressured by Wells Fargo who were at XXXX XXXX XXXX  in 2007 to sign up for private student loans through them with a co-signer even though I really didn't need a co-signer. They told me this was in my best interest as it would make sure that the funding was there for room and board and that they would easily be able to be removed as co-signers. I left XXXX XXXX and went to XXXX XXXX XXXX where I continued my education and was unable to make all of payments on time due to being a full time XXXX. When I reached out to them to see what repayment options there were, they encouraged me to take out a loan forbearance, stating " that's what most college kids do. '' I have realized that this forbearance made it so that there was not " 24 immediate consecutive on time '' payments which apparently means ( according to there deceptive and hidden conditions ) that no matter what my co-signer can not be released from the loan. They never gave me any other options to pay like income based. They lied about it. Then through out the years they have messed up transaction records, made false statements and purposely encouraged me to make decisions that are not in my best interest. Now they sold the loan to first mark services and they said they do not have any recorded phone calls or records and that Wells Fargo would have that. I tried to reach out to wells fargo and they refuse to even speak to me and say it is not there problem anymore and they have nothing to do with it. This is unfair and very misleading actions of a company. I have requested documents and records from both institutions and still have not received anything.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX I have disputed these fraudulent accounts twice, and I am unsure how you are able to say that these alleged accounts are verified, yet it is clear that there are and continue to be multiple inaccuracies regarding these accounts. As shown in the attached screenshots the date opened, date last active, and date of last payment are all inconsistent. Also, the account numbers and payment history of the accounts are not consistent as well. I am not sure which bureau is reporting the correct information as these alleged accounts are not only inaccurate, but not mine. As a consumer, I am asking you to please provide in FULL DETAIL the steps that were taken to investigate these fraudulent accounts and the information that the creditors have provided to you to prove that these alleged accounts are verified. I have attached a copy of my license and a copy of the 15 USC 1681i from the FCRA for your recollection which shows that I, the consumer, has the right to ask for this information, and your company has 15 days to respond to my request. If you are unable to provide me with the proper documentation I ask that you please delete these accounts as soon as possible. As it is against the law for there to be both fraudulent and inaccurate information on my consumer report. Please also send me an updated credit report reflecting these changes. 
XXXX XXXX ( Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List Inquiries XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, 2020 XXXX  XXXX Inquiry : XXXX. XXXX 2020 XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX, 2020 XXXXXXXX XXXX Inquiry : XXXX. XXXX, 2020 XXXX  XXXX XXXX  Inquiry : XXXX XXXX, 2020 I trust that your company upholds its integrity and protects my rights as a consumer under the FCRA. Thank you.
Consumer complaint received 2021-07-28
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: EQUIFAX, INC. (NC)

To whom it may concern, Under U.S Code 1681b - Permissable purposes of consumer reports ( a ) in GERENAL Subject to subsection ( c ) any consumer reporting agency under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX, never provided your agency any written consent to report anything on my consumer report, no consent is identity theft. Any deletions that are made is admission. Failure to comply to my request for the following accounts to be deleted will result in a violation and claim since your agency being liable for any damages caused by your actions. Please take careful note of what was written in this dispute and the letter that is attached.
Consumer complaint received 2021-08-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (SC)

The auto was repossessed XX/XX/2015 the payment history is inaccurate I didnt have possession of the vehicle and their are missing monthly account balances in report! They are charging late fees for 2 years and storage and showing payments made as late for the two years they are charging fees for and missing payments information inaccurate dates of sale and payment information! Date of first reported is different on every report and date of charge off is different than new report dates! Missing payment information and inaccurate payment information
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I applied for Amex XXXX  card and received the welcome offer -- XXXX points will be posted to my account within 12 weeks ( this is the max time ) I have reached the required spending. However, it's been 12 weeks already and their customer representatives have also confirmed that the spending has been met. I still haven't received the points. I have contacted their customer representatives more than once regarding this. It hasn't been resolved.
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I have disputed the debt shown by them on my credit report. After asking for a method of verification in which they have not responded to the bureaus request they have contacted current and previous landlords. They have also sent a letter requesting information on me from an attorney 's office as they have not verified the debts as accurate and mine. 

The letter also shows my name as inaccurate as my name and only name is XXXX XXXX XXXX. 

It is the law that this company reports this information accurately on my credit profile. In this instance this information has NOT BEEN VERIFIED, nor is it being ACCURATELY REPORTED. 

Midland Funding has not been able to verify this alleged debt, the attorneys office does not state who they are working on behalf of, and Midland company is reporting this information on my credit profile without proper verification. 

This is a VIOLATION and I expect this erroneous information to be DELETED from my Credit profile with your company. 

Please see the letter I received from the attorneys office and the letter that I sent for verification of the debt. 

Please send an updated copy of my credit report after you have made the appropriate changes.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (FL)

I debited XXXX from my account and it posted as two transactions on XX/XX/XXXX. After reaching out to the company via the branch manager through two emails and a message on his answering machine, I received no response for two weeks. Then I made an appointment for the Manager to call me today and he never did. I also debited XXXX yesterday and that transaction posted as a double transaction as well. Now I am XXXX down and trying to make payroll for a small business is getting harder. Please see if you can help. Thank you in advance.
Consumer complaint received 2021-08-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I XXXX XXXX XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX made me purchase insurance separately.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX-120 days late ( account is paid in full ) XXXX- showing up as a collections ( account is paid in full ) XXXX XXXX- XX/XX/2021, showing late 60-89 days as of XXXX XXXX XXXX- XX/XX/XXXX showing 60 days past due ( account is paid off in full ) XXXX XXXX XXXX showing that I have a balance of {$910.00}, but its incorrect, they took me to court right after I have my last XXXX XXXX XXXX. I reported to XXXX because every time it raining is was raining in my living which caused me to develop XXXX  in my XXXX. My daughter said the doctors was concerned about that whenever I seen it on my X-ray before I had my open XXXX. I manager also was harassing me and my family, she lied to section 8 which caused me to lose my voucher. I lived at that apartment for six years and expected more from this company and I wouldn't recommend anyone to live there. 
XXXX Billing- {$670.00} as the balance this account was supposed to be removed because of the hyppa law. I had XXXX and XXXX at the time but they claimed that there was a wrong code put down so they couldn't bill my insurance. My daughter had to call XXXX because my XXXX XXXX was super low and I kept losing conscious. I was put in ICU because two XXXX XXXX my XXXX and I also had XXXX  XXXX  as well.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX XXXX is reporting an account that does not belong to me to credit bureaus. I never opened any account XX/XX/XXXX and although I have disputed the entry it remains on my credit report past due as of XX/XX/XXXX. I never opened an account with the original creditor shown on the credit file either. It appears fraudulent, discriminatory and deceptive practices are being used by this agency. I have not received my credit file from XXXX. I have attached a copy of the entry from my Experian report received today. The fraudulent entry appears on my XXXX report with varying information.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX is reporting an account that does not belong to me to credit bureaus. I never opened any account XX/XX/XXXX and although I have disputed the entry it remains on my credit report past due as of XX/XX/XXXX. I never opened an account with the original creditor shown on the credit file either. It appears fraudulent, discriminatory and deceptive practices are being used by this agency. I have not received my credit file from XXXX. I have attached a copy of the entry from my XXXX  report received today. The fraudulent entry appears on my Equifax report with varying information.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello, I would like to report about Identity theft. The point is that someone decided to use my personal info and as a result I got filed items that I do not know and recognize. Could you please explain to me how that possible? and could you please remove them asap? The report is attached
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I would like to report about Identity theft. The point is that someone decided to use my personal info and as a result I got filed items that I do not know and recognize. Could you please explain to me how that possible? and could you please remove them asap? The report is attached
Consumer complaint received 2021-08-12
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. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021