davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
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. (PA)

Its has been since XXXX of XXXX to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to XXXX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX XXXX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/XXXX to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify these credit inquires that pulled/ viewed my credit without my permission. Within 5 business days in compliance with FCRA. XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Crown Asset Management, LLC, Duluth, GA Branch (WA)

XXXX XXXX card account handled by XXXX Bank was charged off more than five years ago, but a collection agency Crown Asset Management , LLC is now starting to try and collect the debt on this charged off account of XXXX under File number XXXX. When t CROWN ASSET SENT ME A collection request around XX/XX/2022, I replied in writing with their letter stating that the account at XXXX Bank they are trying to collect was charged off more than XXXX years ago. And I am no longer liable for the debt. They then sent a packet dated XX/XX/2022 attempting to collect this >5 year debt which shows as closed with no pending balance as of today at the XXXX credit bureaus. I've made a good faith call to the lawyer handling this case XXXX XXXX XXXX and spoke with a collector XXXX XXXX XXXX this case and confirmed my address and personal info with her today Thursday XX/XX/2022 regarding the illegitimacy of this debt because of its charged off status, and that I am no longer liable for this debt.
Consumer complaint received 2023-02-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (NC)

On XX/XX/XXXX, I went on Workman 's compensation with my job at XXXX XXXX XXXX in XXXX, NC. 
I currently am not receiving any compensation from my workman 's comp. claim. 
I haven't received any compensation at all since XX/XX/XXXX. I have a scheduled XXXX meeting on XX/XX/XXXX with my Attorney and my employer, XXXX XXXX XXXX. I feel this is pertinent information to understand my complaint against Mariner Finance. 
Their Collection department contacted me, in particular their employee, XXXX XXXXXXXX XXXX. He introduced himself to me and informed me of my delinquent account and when can I resolve this account which is in arrears. I explained my situation of which I understand this doesn't exonerate me of my obligation to Mariner Finance. The second phone call to me from XXXX XXXXXXXX was when he bullied me, saying that he would take me to Small Claims Court if I didn't take care of this late payment to my Mariners finance account and why did I assume this loan if I couldn't pay it back as agreed? A couple of weeks later a man posing as a Sheriff knocked on my door, and handed me a stapled, 2 page paper, to appear at Small Claims Court. 
This is where I got suspicious, another couple of weeks later XXXX XXXXXXXX called my phone to request a payment and how will I settle this account. I got upset and said that as far as I know when I was served papers to appear in court, that's when it would be handled and I never heard of someone contacting a person, after Court papers, if the court papers are legitimate, are served? I could be wrong and wanted to know if you could validate this for me. I feel that this was illegally handled and XXXX XXXX XXXX XXXXactics are uncalled for and meant to scare and intimidate me? Please help me, as this has never happened to me ever.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: I.C. System, Inc. (PA)

i dont know why this is still reporting on my report when I have already toldf XXXX about them violating my rights by keep posting this account like its mine. 
Account Name : I.C. SYSTEM, INC Account Number : XXXX Account was opened : XX/XX/2017 Account Balance : {$660.00}
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Please be advised that my office represents XXXX XXXX. She went on a trip to visit her family in XXXX from XXXX to XXXX see the attached passport. Someone withdrew from my bank account on XX/XX/10 {$3000.00}. Attached is the bank statement. She advised Chase that it was not her who withdrew the funds and that she was not in the United States. My client is willing to provide photo identification so they can compare it to the photo of the person who did the actual withdrawals.
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (GA)

XX/XX/XXXX, My roommate and I moved out of my apartment called XXXX XXXX in XXXX XXXX, GA. The leasing office refused a walk-out inspection and said they'd send an inspection on their own time the next day. 

XX/XX/XXXX, we received a bill of {$540.00} of misc. fees from XXXX XXXX. 

XX/XX/XXXX We responded to XXXX XXXX demanding copies of the move-out inspection reports, our original lease, and disputed the charge. We never got any response from them. 

XX/XX/XXXX - XX/XX/XXXX We emailed XXXX XXXX multiple times requesting a response to our original dispute, no response. 

XX/XX/XXXX ( We found out way later on ) XXXX XXXX actually already sent our bill to a collection agency in XXXX named Hunter Warfield by this date, only 14 days after we moved out. 

XX/XX/XXXX Received first call from Hunter Warfield regarding the debt. Again, we contacted XXXX XXXX on XX/XX/XXXX, asking for the same documents and reason for the charge. XXXX XXXX finally responded this time with the documents they should have provided us within 3 business day after we moved out. 

XX/XX/XXXX I found a mistake in my last bill from the {$540.00} bill. XXXX XXXX " mistakenly '' over charged {$87.00} for XX/XX/XXXX in our final water/sewer bill. XXXX XXXX said they would look into it with the utility office. We questioned how come we could use {$87.00} worth of water within one day and demanded investigation into the charge, and also wondered how many times these hiddencharges are overlooked by other tenants and customers. 

XX/XX/XXXX XXXX XXXX emailed and took off {$87.00} from our final bill, admitting that it was an error on the final month of water/sewer. 

XX/XX/XXXX I sent a letter of dispute to Hunter Warfield, claiming that this debt is unmeritorious because the leasing office took legal actions before responding to our dispute. According to the GA code, the renter should always respond to the tenant 's dispute before taking legal actions. XXXX XXXX never provided us the opportunity to inspect the premise within 3 business day. We never got the chance to sign that list, with the statement specifically in writing any items on the list that we would have disagree with. 

XX/XX/XXXX Received a letter from Hunter Warfield saying they would look into the matter with XXXX XXXX. 

XX/XX/XXXX Received a new bill of {$450.00} ( {$540.00} - {$84.00} ) from Hunter Warfield with the {$84.00} deducted from original bill. 

XX/XX/XXXX Received phone calls from Hunter Warfield threatening to report this debt to the Credit Bureau on XX/XX/XXXX.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NC)

Early warning is a consumer reporting agency that specializes for banks. I discovered in XXXX of 2021 that they were reporting information from several banks that did not belong to me because of identity theft. 2 of the banks agreed with me and they stopped reporting at early warning. XXXX, who I have already filed a complaint against for the same actions because they are the ones reporting it too early warning. Early warning has all the proper documentation to remove that account from my file. They are going with a report from XXXX. They have the certified police report as well as the identity theft report in their possession. They go by what XXXX supplied them only XXXX has never talked to me since since I went to the police. The police cleared me because they caught the person that did this and my fingerprints did not match his. That's how I know I am right in this and these people are wrong and harming me because they are arrogantly stupid and doing something that is wrong and against the law. It is beyond me that these people think that they could be correct when the police have already proven it wasn't me. Like trump when he took out the full page ad in XXXX XXXX XXXX XXXXXXXX after the XXXX XXXX XXXX were cleared because of DNA evidence. Sometimes people just want to be right when they are 100 % wrong but when it harms somebody they need to get over that.
Consumer complaint received 2023-08-07
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. (NY)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXX and XXXX  XXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2024, I recently discovered inaccurate information being misreported against me regarding a tradeline account with XXXXXXXX XXXX account number : XXXX XXXXXXXX XXXX is reporting a 90-day late payment on my consumer report. I was never 90 days late as this company implies. This is not only an inaccuracy, but misleading and damaging to my financial reputation. Per the Fair credit Reporting Act 15 USC 1681 ( a ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I was never late as this company implies.
Consumer complaint received 2023-12-04
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: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-05
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)

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. 
This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : Proof of your right to own/collect this alleged debt Balance claimed including all fees, interest and penalties Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted
Consumer complaint received 2023-02-12
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)

The following inquiries are fraudulent and needs to be removed: 
XXXX XXXX XXXX (10/15/22), XXXX XXXX XXXX (02/06/23), XXXX (01/31/23), XXXX XXXX XXXX  (01/31/23), XXXX XXXX XXXX (07/06/22), XXXX XXXX XXXX XXXX (01/30/23), XXXX XXXX XXXX XXXX (04/21/22),  XXXX XXXX XXXX (04/21/22), XXXX XXXX, XXXX XXXX (12/26/22), XXXX XXXX (10/18/22)
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}, {$10000.00}, {$6900.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3100.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX XXXX, XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account.
Consumer complaint received 2023-12-04
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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
Consumer complaint received 2023-02-14
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. (GA)

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my profile. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following accounts, be verified or removed immediately : Please investigate and remove completely from my credit report, Please investigate and delete from my credit report. 

XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX & XXXX : ( ACCOUNT NUMBER XXXX ) XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX XXXX ( ACCOUNT NUMBER XXXX ) In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX SS # : XXXX
Consumer complaint received 2023-01-18
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-18
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. (CA)

15 USC 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 FDCPA 80 . False misleading information FDCPA 8012 furnishing deceptive forms must remove/correct late payments under CARES Forbes act. XXXX XXXX XXXXXXXX Balance Owed : {$660.00}, XXXX XXXX Balance Owed : {$350000.00}
Consumer complaint received 2020-01-17
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}, {$10000.00}, {$6900.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3100.00} -This is not my account. 

2. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

I purchased a Vanilla Visa gift card on XXXX XX/XX/XXXX at XXXX XXXX exchange for {$480.00}. I tried to use the card on XXXX XXXX and the card was decline. Upon further review, it was used twice at a XXXX in the XXXX area. One for {$220.00} and the other for {$250.00}. The card has been in my possession since purchase and I did not use the card. I contacted Vanilla gift card customer service on XXXX XX/XX/XXXX and filed a Dispute packet ( Ticket/Case : XXXX ). I was told it could take up to 90 days to investigate the dispute. I called to day and was told that investigation started on XXXX XXXX and can take up to 90 days to investigate
Consumer complaint received 2023-01-18
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. (CA)

15 USC 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 FDCPA 80 . False misleading information FDCPA 8012 furnishing deceptive forms must remove/correct late payments under XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$660.00}, XXXX XXXX Balance Owed : {$350000.00}