davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-03
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: CITIBANK, N.A. (GA)

I noticed these fraudulent inquiries on my XXXX credit report and I've disputed them several times with the company and XXXX  and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX/CBNA  XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX NA XX/XX/2021 CBNA XX/XX/2021
Consumer complaint received 2021-04-03
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)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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 and a public record USBK COURT XXXX ALABAMA XXXX XXXX As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. I have also attached a copy of my current driver license please update my current address to XXXX XXXX XXXX, XXXX FL XXXX
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC. (AZ)

Received an inquiry alert on my credit report from Midland credit management on XX/XX/2021. I contacted midland on XX/XX/2021 and they didnt have my correct social and couldnt locate an account. I have no ties to midland nor did I authorize a hard pull on my credit. I believe someone has stolen my information and is using it to attempt fraud.
Consumer complaint received 2021-12-29
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. (FL)

Experian is incorrectly reporting my Balance for my XXXX account XXXX My XXXX  account is OPEN, with a {$0.00} Balance with an {$800.00} Credit Limit. All the other credit reporting agencies are up to date except Experian which consistently lags or is slow to report accurate information especially my XXXX account.
Consumer complaint received 2022-01-30
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. (IL)

I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( XXXX ) ( A ) ( i ) ( XXXX ) ( XXXX ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.
Consumer complaint received 2021-04-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit Management LLC started garnishing my wages on a default judgement. I received a notice from the court At the time Midland was involved in an civil suit with 42 other states for there collection tactics. Midland lost the case so there reliability as a trusted business was far below standards of practice. Is this robo affidavits like the 1400 other claimed in ohio I tried an failed to verify the debt do to the pandemic no response. I soon realized that 98 XXXX  complaints in 2weeks I still ended up with a default judgment. Wages garnished no response from mid land credit contacted the attorney of there legal division for verification of who an what this 3rd party debt was no answer. In a time of a nation in crisis every state preventing garnishment an debt forgiveness and I front line defense an sole provider of a family of 3. I can not afford to be garnished. No date to appear in I owe the debt I would like a 609 form a call without a language barrier, no calls to my employer the writ was quite enough to tarnish my reputation of 25years of service. I have no other choice but to file complaints to XXXX  the state attorney general of Ohio and whom ever else I can to get this garnishment removed.
Consumer complaint received 2017-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (SC)

I am in receipt of my credit report dated  XXXX   XXXX ,    2017  attempting to collect a debt from me. I have never done business with you. In fact, I had never heard of your company until having received my credit report. What I find strange is your attempt to collect the debt with me when I do n't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I 've done some type of business with you hence owing you money.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MA)

Nelnet is fraudulently reporting over ten 120 day late payments on my credit ( years after account closure and FULL PAYMENT MADE ). I have called Nelnet over 20 times, sent them letters and they always ignore my requests and damage my credit and financial life. Please see my attached screenshots of credit reports. Nelnet has caused irreparable harm to my well being, state of mind and life in general. 

Im seeking help!!
Consumer complaint received 2021-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Key 2 Recovery, Inc. (WA)

After reviewing credit reports from XXXX, XXXX, and XXXX  on XXXX XX/XX/XXXX, Key 2 Recovery Inc inserted a collections entry from XX/XX/XXXX for {$390.00} from XXXX Community College. I contacted the Cashier 's Office at XXXX Community College on XXXX XX/XX/XXXX which verified there is no outstanding debt of any type. 

This collection entry, which is indeed the result of identity theft from the XXXX, XXXX, and XXXX data breaches, is currently in dispute with all three credit reporting services. It is because of identity theft it is necessary for all three to remove the inaccurate information at not cost, per Fair Credit Reporting Act.
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK (NY)

Applied For Discover Credit Card To Consolidate All Credit Card Balances Because The Offer Applied - & - Approved For Was A XXXX ( 0 % ) APR Balance Transfer Interest Rate For XXXX ( XXXX ) Months Offer Including A XXXX XXXX ( {$20000.00} ) XXXX Credit Limit - & - Initiated The Balance Transfers Upon Receipt Of The New Credit Card, All Of Which Were Initiated - & - Rejected, Including A Payment From My Personal Checking Account To Satisfy The Very First Credit Card Statement Balance Received, Which Was Also Returned, Causing NSF Fees To Be Applied To The Checking Account Payment Was Submitted From, As Well As Returned Payments - & - Fees Incurred To The Credit Card Accounts The Balance Transfers Were Submitted On Behalf Of. Attempted To Contact Creditor, Whom Closed The Newly Issued Credit Card Account Involuntarily - & - Creditor Refused To Speak With Me Or Accept Any Information For Validation, Including Satisfaction Of The Credit Card Accounts Outstanding Balance. Received Correspondence From XXXX XXXX - & - XXXX, PC Today, XXXX rd 2021, Indicating That Discover Bank Has Assigned The Debt To Them - & - On XX/XX/2021, They Have Filed A Lawsuit Against Me In XXXX XXXX Supreme Court, Referencing Index No. : XXXX In The Amount Of XXXX XXXX XXXX XXXX XXXX ( {$6600.00} ) Dollars and XXXX/100 On Behalf Of Discover Bank.
Consumer complaint received 2021-04-03
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI (GA)

I was not given notification to dispute this debt. Not only that, on my credit report because I reached out to them directly, told me that they had to speak to my school regarding the matter. That was false information they were telling me as they are reporting as of XXXX XXXX that I owe XXXX when in fact I have a letterhead from the school directly saying I owe nothing on the account and I received the letterhead before the date of XX/XX/2021 XXXX
Consumer complaint received 2022-01-30
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. (GA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA Credit Card and Debit missing information Reported USAA check from XXXX XXXX on hold for XXXX XXXX  Fraudulent documentation Fraudulent representation Scam Missing statements XX/XX/XXXX-Current Checking-Credit card is missing statements. 

Account closure notification No vehicle ownership/discontinued ALL insurance policies end of XXXX first of XXXX. Impersonating representatives. 

Denied Auto Claim XX/XX/XXXX ACH debit from preXXXX debit card NSF FEE errors Old numbers surfaced from inactive cards Accounts in use XX/XX/XXXX. XXXX ceased but not closed mid XX/XX/XXXX. Fraudulent Representatives wouldnt close them. 

Account closed notification ; no access to information online Stolen cards from XXXX XXXX accounts XXXX External inquiry for use of this account XXXX XXXX and 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 2021-04-02
Product: Credit card or prepaid 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: Avant Holding Company, Inc. (NC)

I noticed fraudulent charges from a VPN service that had been cancelled. I filed a dispute in XXXX or early XXXX and nothing has been done. I called them today to see what's going on with it and the customer service rep said she had to transfer me to another department because the card is late. I told her the card is late because they never addressed the fraudulent charges that I am not paying for and I only wanted her to transfer me to someone that I could discuss the fraudulent charges with. She advised me that this is the department that could help with this. I get on the line with the next guy and explain the situation and he tells me that he is attempting to collect a debt. So I cut him off and tell him that he attempted nothing. That I called him to discuss fraudulent charges. He tells me if I continue to use " profanity '' that he will have to hang up. I think I told him that treating me like a low life that doesn't pay his bills when I'm the one that called in to try to resolve this is XXXX and so to just knock it off and let 's figure out the fraudulent charge issue. I didn't curse him out. I didn't call him names. We're all adults here and we all know what XXXX is. He continued to try with his attempt to collect a debt XXXX and once again I pushed back, without " profanity, '' and I was then hung up on.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HYUNDAI CAPITAL AMERICA (GA)

I have contacted Kia Motor Finance going on 2 years to report my loan account information to the credit bureaus. No information is on my credit for this loan. I have also contacted XXXX who can not get a response either. I have been told numerous times it will be reported but it never happens.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XX/XX/XXXXdata breach. 
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XX/XX/XXXX data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 
Also my signature on the document is me giving authorization ; so please do not respond saying you need authorization.
Consumer complaint received 2022-01-30
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. (OK)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly. My information was also impacted by the equitax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

A fraudulent credit card was opened in my name in XXXX. I had no knowledge of this account until I seen XXXX XXXX XXXX on my credit report. I called XXXX and sent them Identity theft reports about capital one credit card being fraudulent. Ive been fighting this fraud amongst other from being in the XXXX  XXXX XXXX in XXXX my life has been a ton of fraud accounts including this one. I have completed a Federal Trade Comission report as well! Ive resolved this with XXXX and they also sent XX/XX/XXXX to Capital One documentation of there findings of facts and this account being fraudulent! I have filed dispute after dispute with capital one and they keep telling me there is no fraud on the account! The account ending in XXXX is hindering my ability to get other accounts and I pay my bills on time and have good credit. Capital One keeps telling me this account is not fraudulent when all my documents and police reports saying it is identity theft! Please help me resolve this haunting account. The account is stuck to my social security number and I need it to please be deleted so Im not looked at negatively anymore with the company and other lenders.
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Resources, Inc. (NM)

A collection account appeared on my credit report by " collection resources Inc '' and significantly impacted my credit score while in the process of obtaining a mortgage. I called the company and it became clear that they never had my full address or phone number and I never received a collection notice. I paid the account in full and would like this account to be removed from my credit report as soon as possible.
Consumer complaint received 2024-03-21
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. (FL)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (FL)

The lender took escrow at closing this is aXX/XX/XXXX backed loan. The lender has never paid the property taxes on parcel number 2, they failed to pay the insurance also. Although they took the money at closing XXXX. I have paid the property taxes for XXXX and XXXX. The lender places forced insurance and now they refuse to fix the leak. It's a mess the home is also now in foreclosure, XXXX XXXX failed to pay the mortgage, when I found out I immediately called the bank made a payment told them I would make monthly payments and to get them caught up. They accepted 2 months on the 3rd payments I made a larger payment and it was rejected, they told me all of the past due or nothing. They sent that payment back. Within 3 weeks they filed foreclosure, I have never been served the lawyers refuse to speak to me because I'm only on the deed. Averst central mortgage company refuses on multiple occasions to speak to me although they have permission. They claim I have an attorney i do not. I made them aware of the taxes and insurance they claim to only have a lien on one parcel. I called the clerk of court and they confirmed there is a lien on both. So again I have attempted to work with everyone involved getting no where fast. I do not want to lose the home. I have a lis pending against me so no lender will loan me on the other land that own. Otherwise I would take a mortgage and pay it up to date. XXXX is XXXX and not in sound mind. Her attorney has convinced her that if she signs deed in lou of the keys she won't have a default judgment. There are 3 names on the deed no one is getting me to sign that. That attorney had since lost her bar licenses. Please help. XXXX the 2nd parcel holds the water wells for the entire 10 acres and supplies water to another home on site he is XXXX and the wife has a XXXX XXXX as well as the daughter has XXXX.