davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (AL)

Dear Acima Digital, I am writing this letter for the second time to express my deep frustration and concern regarding the persistent presence of the account [ Account Number : XXXX ] on my credit report. The continued inclusion of this account is significantly impeding my ability to obtain a mortgage, and I demand its immediate removal from my credit history. 

As I explained in my previous correspondence, securing a mortgage is of paramount importance to me. However, the existence of the account [ Account Number : XXXX ] on my credit report casts a shadow over my creditworthiness and jeopardizes my chances of obtaining favorable mortgage terms. I can not overstate the urgency and gravity of this situation. 

I find it utterly unacceptable that despite my prior written request, Acima Digital has not taken any action to address this matter. Your inaction demonstrates a disregard for the severe consequences I face and raises serious concerns about Acima Digital 's commitment to customer service and ethical business practices. 

I demand an immediate and definitive resolution. Acima Digital must take swift and decisive action to remove the account [ Account Number : XXXX ] from my credit report without further delay. The impact of your inaction on my mortgage application is untenable, and I hold Acima Digital responsible for any adverse consequences that may result. 

It is your responsibility, both legally and ethically, to ensure the accuracy and fairness of credit reporting. I demand that you fulfill this obligation promptly, recognizing the urgency and the detrimental effect your actions are having on my financial future. 

Failure to comply with this demand will leave me no choice but to explore all available legal avenues to seek redress. I will not hesitate to report Acima Digital 's non-compliance to the appropriate regulatory authorities and pursue legal remedies to protect my rights and financial well-being. 

I expect an immediate response to this letter, confirming your commitment to resolving this issue and providing a detailed plan of action for the removal of the account [ Account Number : XXXX ] from my credit report. Transparency and clear communication throughout this process are essential. 

Given the time sensitivity of my mortgage application, I anticipate a swift and satisfactory resolution within [ specify a reasonable timeframe, such as 10 business days ] from the date of this letter. Your urgent attention and proactive measures are crucial in rectifying this situation and restoring my confidence in Acima Digital 's commitment to customer satisfaction. 

I demand a prompt resolution to this matter, demonstrating your dedication to correcting the harm caused by your previous inaction. I expect nothing less than a swift and comprehensive response from Acima Digital. 

Sincerely,
Consumer complaint received 2023-02-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name is XXXX 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 XXXX  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 2019-12-01
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)

After providing TransUnion with information showing this XXXX wireless account didn't belong to me they still refuse to remove it. This is getting very frustrating because i have provided documentation and they are still failing to remove this item. I have provided a police report stating XXXX was opened by someone else and are results of identity theft. At this point if TransUnion continue to report this unverified account, I will have no choice but to take legal action. I will be using the complaints I have filed, along with all the documentation that I have already sent to the company.
Consumer complaint received 2023-06-22
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. (PA)

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 XXXX XXXX XXXX is 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 2019-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau of Carbon County (UT)

" NEW ISSUE '' STOP MARKING COMPLAINTS AS DUPLICATES. DOCUMENTS ARE BEING ATTACHED AND YOUR NOT RETRIEVING THEM. THIS IS AGAINST THE LAW. PLEASE DOWNLOAD THE ATTACHED DOCUMENTS. I HAVE UPLOADED THEM HERE AT THE CFPB BECAUSE YOUR COMPANY SEEMS TO FOLLOW PARTS OF THE LAW YOU CHOOSE RATHER THEN FOLLOW THE LAW 100 %.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (OH)

My dispute is with Delta Skymiles American Express.A vaction club in XXXX called me and asked me to sign up for a vacation club. I told them I needed to talk it over with my wife who wasn't home. They said no problem I could sign up and provide my credit card info but nothing would go through if I didn't send back the authorization form and a copy of my ID. After my wife got home we decided not to do it so I didn't sign anything and I didn't provide my drivers license. We got a call from AMEX a little later that night because of possible fraudulent activity. It was the company trying to put the charge through. I told AMEX that I did not authorize the charge and to not let it go through. I was told by AMEX not to worry that they would not let it go through. On my next statement the charge was there. When I called and questioned AMEX they said the company tried XXXX separate times and that they ( AMEX ) let it go through the XXXX time. The company then supplied forged documents to say that I had approved the purchase. AMEX has accepted the documents as proof that I authorized the transaction. They are also saying that they have not reviewed the recording where I was told the charge wouldn't go through because they say that doesn't matter. AMEX now says nothing further can be done - 9 months of waiting! I have included some documents to support my story as well as the forged documents the company used to support their story.
Consumer complaint received 2019-12-01
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 have recently been informed that there is negative information reported by XXXX XXXX XXXX Reported : XXXX XXXX, 2019 {$220.00} in the file you maintain under my Social Security number. 
No contract exist ... Account was settled with creditor ( no valid claims ) I want it removed. False information is being reported. 
I challenge the accuracy, compliance and reportability of these listings. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items 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 block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX : {$1200.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX AZ XXXX ) XXXX XXXX XXXX {$5500.00} XXXX Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX : {$650.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-01
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (FL)

Sadly, NAVIENT is a very corrupt company that uses deceptive acts and nefarious means to obtain information about consumers, as well as collect on debts NOT OWED TO THEM. NAVIENT has identified themselves as a debt collector. The interesting thing is that I can not recall signing any contracts or agreements with NAVIENT, or being a signer on any contracts with them. I have written to NAVIENT multiple times asking for the ORIGINAL instrument of indebtness where I entered into an agreement with NAVIENT and they have ignored my requests, yet they continue to state that I owe them money on an account that I DO NOT HAVE WITH THEM. This has been ongoing for over a year. They are reporting this erroneous information to the credit bureaus and refuse to delete it. When I disputed it with the three credit bureaus and had it successfully deleted due to lack of proof provided by NAVIENT they reinserted it months later without giving notice ( in clear violation of the Fair Credit Reporting Act ). When I dispute again, the credit bureaus REFUSE to even investigate unless I submit additional proof with my dispute although NAVIENT has not provided me with ANYTHING proving this alleged debt so how am I to prove I do not owe it when they cant? The best part is now their legal department is threatening to possibly sue me, claiming that they made multiple attempts to get in touch with me another interesting accusation since I have written them multiple letters that they have simply ignored, disputed this, asked them about this alleged debt, and I still have not seen an original document to date.
Consumer complaint received 2023-03-07
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. (GA)

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

XXXX # XXXXXXXX XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-17
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. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-28
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. (FL)

I checked my credit report and found that some of the data were incorrect. 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  XX/XX/ XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXXXX/XX/XXXX
Consumer complaint received 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

I want the following consumer statement immediately deleted from my XXXX XXXX, Experian and XXXX  credit report : I have never resided in the state of Minnesota and has resided in XXXX XXXX North Dakota since XX/XX/1974
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

I want the following consumer statement immediately deleted from my XXXX XXXX, XXXX and Equifax credit report : I have never resided in the state of Minnesota and has resided in XXXX XXXX North Dakota since XX/XX/1974
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

My problem is someone stole my information, keeps running my credit report over and over! My ex is responsible Im pretty sure but I need help to correct it plz its ruining my life!! I cant do anything or get any credit bc they have gotten stuff in my name and keep trying to run my credit!!!! Ive tried everything I can to correct it or get help fixing it your my last hope please help me!!! Look at my report look how many times its been ran no one in their right mind would keep running it like that! Im begging for help plz
Consumer complaint received 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$24.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX  Balance Owed : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$62.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (NC)

Hello, I called the creditor XXXX XXXX XXXXXXXX ) about 3 unauthorized inquiries. They said that they informed the 3 credit bureaus to remove the inquires and its been past 90days and they haven't. I called and got NO HELP. The dates are XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-01-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lockhart, Morris & Montgomery Inc. (GA)

THE MEDICAL BILLS ACCORDED ON XX/XX/18 AND THE EMERGENCY ROOM HAS CONTINUED TO TRY TO SUE ME AND GARNISH MY WAGES BEHIND. When I submitted my first complaint with XXXX the company then sold my information to another company with misleading dates which were not the dates the account was XXXX. IF the account did occur XX/XX/18 which would make them near the XXXX exemption for a creditor to continue this XXXX style collection. I am so glad I only had a XXXX XXXX  and NOT covid. But that's how old this debt is. Unfortunately, I will not back down or stop from these illegal practices!!!
Consumer complaint received 2023-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Ive been scammed for the last 5 days for total {$7300.00}. When I found out about the scammers because they kept making excuses and created new issues to request multiple money I called the bank right away. Ive contacted the bank fraud department to file the dispute because Ive realized that Ive been scammed by the scammers and I was asking the bank if its possible to cancel the pending transactions and XXXX transactions from XXXX XXXX XXXX but they didnt answer me. My understanding that the bank can help me to reverse the amounts back to my account knowing that scammers are taken away my money called authorized push payment but the bank disregard and they didnt want to agree to reverse the payment or either my bank wouldnt help me do the authorized push payment.
Consumer complaint received 2019-12-01
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: LoanCare, LLC (CT)

There are 2 mortgage accounts that have appeared on my credit report that were included in bankruptcy and should never have appeared. This has caused significant problems with my credit scoring as the other accounts included in the bankruptcy in XX/XX/2013 are about to drop from my credit file. 

XXXX XXXX XXXX , XXXX has 2 accounts listed that need to be deleted
Consumer complaint received 2022-09-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Americas Car-Mart, Inc. (TX)

Carmart is reporting to my credit report after years of me asking them to verify the debt and they have not. I haven't received any documentation in regards to this debt yet they keep reporting to credit reporting agency that the matter has been solved. Car mart is violating my rights FDCPA, 15 U.S.C. 1692k ( d ), the Civil Rights Act, 42 U.S.C. 1983, and 28 U.S.C. 1331, 1337