davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Fifth Third Bank violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Consumer complaint received 2019-12-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (TX)

On XX/XX/XXXX, AD ASTRA reported to all three credit bureau that I made a payment to my account for XXXX dollar. I have never made any payment nor contacted this creditor to set up any payment arrangements, and I believe the only reason they are reporting a dollar payment is because it has been on my credit report for 6 years, in XX/XX/XXXX that would make the debt 7 years old which typical falls off. This company falsely reported inaccurate information, and I am requesting that they delete it from all three credit reports. Thanks
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2021-09-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NEW CITY FUNDING CORP. (NY)

I am one payment of XXXX dollars behind my loan company called today on XX/XX/XXXX told me XXXX u its up for repo and hung up on me I plan on paying it as soon as I get paid next week Wednesday when ill still be only one payment behind I have been sick and in and out of work due to XXXX
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!
Consumer complaint received 2021-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

I am writing to dispute charge tickets of {$1300.00} to my Ending in XXXX from the XXXX XXXX XXXX account on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The charge is in error and unfair and my economic situation was affected by this balance, I was overcharged, because I request the full cancelation on XX/XX/XXXX XXXX  request by the passengers past away, the country close the entry passengers from the USA, also my parents XXXX XXXX XXXX XXXX and XXXX XXXX XXXX de XXXX get XXXX XXXXXXXX virus and they admitted in ER on XX/XX/XXXX XXXX, Colombia for 18 days, Unfortunately, they are unable to recover from the virus and pass away, I mailed certified of dead. 

I contact Customer Service XXXX : XXXX the represented promised to void, cancel and remove these charges by my loss and because no one use or pretended to use these tickets and I never received them. 
I am requesting and informed of this tragic situation that the error is corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. Also, request this company stop check my credit for no reason. 
Enclosed are copies of certified supporting my position and experience. Please correct the error on my account promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: International Computer Systems, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!
Consumer complaint received 2021-09-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

XXXX XXXX and Equifax are reporting inaccurate info for the same account on my credit report. 

XXXX- Balance is XXXX Equifax- Balance is XXXX XXXX- Payment Status is collection/charge off Equifax- Payment is 120 days late XXXX- Monthly Payment is XXXX Equifax- Monthly Payments is XXXX XXXX- Last Date Active- XXXX Equifax- Last Day Active XXXX XXXX- Date Of Last Payment XXXX Equifax- Date of Last payment XXXX. 

Here is the list of inaccuracies that have been posted on my credit report for the same account i have sent XXXX and Equifax both 2 letters certified about these inaccuracies on my credit report an they both have fail to delete the account
Consumer complaint received 2021-09-28
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. (IL)

The accounts listed are results of identity theft. I did not give consent to benefit from or utilize my authorized credit. 
Attached is a copy of my identity theft report Account Name Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

I have a XXXX XXXX XXXX card that is indicated on the statement to have a variable interest rate and I inquired as to why the rate hadn't gone down as some of my other cards with a variable interest rate had. Even though the account is currently closed, at no point has the rate ever changed so I wanted to know why. An account manager said even though the statement shows it's variable the rate is actually fixed. Well I think that is very misleading and contrary to the information provided right in the statement.
Consumer complaint received 2019-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Called Creditor to see where this account comes from as it says account was open in XXXX Creditor will not talk to me because they have wrong address and wrong date of birth, i believe this is a fraudulent account that needs to be remove from all 3 credit agency.
Consumer complaint received 2021-09-28
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. (TX)

XXXX XXXX servicing is reporting debt not owned by me on my experian credit report. Neither XXXX nor Experian will produce the information shared between them. I can not get from either experian or XXXX a copy of XXXX 's response to my dispute. Experian will not tell me what response XXXX provided, similarly, Experian and XXXX have had lawyers look at the alleged note, which specifically says " no personal liability '' and continue to publish false information. 

Please attempt to regulate these people, they dont care what consumers think even if they are lying to others.
Consumer complaint received 2021-09-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FREEDOM FINANCIAL NETWORK (TX)

Receiving scam emails from someone claiming to be Freedom Debt Relief. I called the real company and told them about the emails I had received and they even said it was a scam. This email claims I owe money and if I do not pay they are taking me to court or I could be arrested by law enforcement or they will take my wages.The phone number on the email to call is XXXX. I replied back to the email asking for proof of debt and of course they couldn't provide anything. Email is coming from XXXX -- -- -- SCAM SCAM SCAM SCAM SCAM.
Consumer complaint received 2021-09-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MN)

I recently applied for a loan and they stated that my car loan has not been reporting on my Equifax report. I tried calling XXXX and they stated that he has been reporting but I am also not seeing it on my report.
Consumer complaint received 2021-09-29
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. (TX)

On XX/XX/XXXX. I received notification that an account was opened in my name on XX/XX/XXXX and now placed in collection from XXXX XXXX and was previously XXXX XXXX XXXX XXXX for {$350.00}. I have never heard of these companies and never have applied for services. I have a fraud alert that has been in place on my Transunion credit report. Not sure how Transunion let this happened. My credit score has dropped And I want this removed off my credit report immediately. I get alerts as soon as something happens to my account and my credit reports are up to date.
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

They opened an account around XXXX in 2023. Portfolio Recovery issued an account on my credit report that has a collection from XXXX XXXX of {$1200.00}. However, I have no I tried to dispute this account because I had no knowledge of opening this account and I have no knowledge of a history with XXXX  XXXX. They also have not provided proof to show that this debt is mine.
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NE)

Here are my notes from this dispute ... navient says i have A {$5000.00} loan dispirited to XXXX in which i was unaware of, XXXX never received, it is not on the national student loan website and there is no promissory note for this loan provided. It is ruining my credit score!!!! On top of that, i did have a {$2500.00} loan for XXXX University which i knew About, was applied towards XXXX and XXXX ( what was left over i only Attended XXXX for one semester ), i have And was provided a promisorry note on both sides and is on the national student loan website. They took my payments and dispersed my payments to both loans showing i never Paid off my original loan even though i did. Forced me into forbarence and did not offer me a repayment program due to my income without my knowledge. Ive disputed this with them and ombudsman group and i am Taking further action due to my age, family, income, and credit score diminishing due to this frustration. I just Want the loan removed as i never Signed for it, was granted it ( my parents make too much money ) and never received the loan!

Student LOAN Ombudmanson says there is a promissory note false signature file dispute they say there is a note through navient for a promissory note but none has been provided or found when asked from navient XXXX navient ask for promissory note for XXXX loan and dispute for a false signature case XXXX if they dont resolve it call ombudmanson back XXXX dispute : XXXX received promissory note for XXXX XX/XX/XXXX XX/XX/XXXX ombudmanson group case number : XXXX XX/XX/XXXX feedback.studentaid.ed.gov case number XXXX submitted dispute 1-15 days pw : XXXX! 
called XX/XX/XXXX to follow up because i did not hear from someone transferred to ombudsonsens group - closed with emailed me on the XX/XX/XXXX- complaint case number need to call the ombudmansons group again - XXXX XXXX XXXX XXXX ombudmanson group new case number XXXX studentaid.gov/ombudmanson sending forward today contacting in 7-10 business days Gave up due to navient lawsuit in progress
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (PA)

On XX/XX/2021 I sent a letter to AFNI, INC. requesting information on an alleged debts they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 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  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 2021-09-28
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)

I am a victim of Identity Theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of identification. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report, failure to do so is a violation of my rights.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

On XX/XX/2021 I was notified by XXXX that a checking account and a savings account were fraudulently opened with Huntington Bank using my personal information. 
On XX/XX/XXXX I called Huntington Bank with XXXX and advised them that I am a victim of identity theft and I did not open these accounts nor did I give anyone else permission to do so. I requested that the accounts be closed and was told they would need to conduct an investigation first. 
I submitted a formal dispute of the accounts through XXXX on XX/XX/2021 which included a copy of the police and FTC reports I filed, proof of identity, proof of social security number, and proof of residence. 
I and XXXX have attempted to follow up with Huntington Bank on this matter on multiple occasions over the last two months, and they refuse to provide any updates about the investigation. On my last follow up attempt on XX/XX/2021, I was told that no information could be provided unless I gave my social security number over the phone.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KY)

The following rights have been violated - 15 usc 1681 ( a ) ( 4 ) " Infringed Upon a consumers right to privacy '' -15 usc 1681 ( a ) ( 2 ) " No Permissible purpose/ No written Instruction - 15 usc 1681a- ( e ) After contacting the credit Bureaus, a bankruptcy was " verified '' XXXX XXXX is retrieving Public records thru pacer which is a electronic public access service that allows users to obtain case and docket information from federal appellate. 

XXXX XXXX has infringed upon my right to privacy, they have no permissible purpose or written instruction to report this.
Consumer complaint received 2021-09-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. ()

XX/XX/2015 and {$1300.00} The action that has been taken is to take this account off my credit report including XXXX, XXXX and Equifax.
Consumer complaint received 2021-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

This debt is not mine! I have disputed it several times with XXXX and they continuously verify it. XXXX XXXX and XXXX have both removed it because it is not mine and there is no possibly way it could be verify because it is identity theft. This is a violation of the FCRA 605b and the FDCPA to continue to report this. This is inhibiting my ability to obtain credit and I have contacted a lawyer and he advised me to do this before we file suit against XXXX. This need to be deleted ASAP, I can not do anything with this one my record I can not get housing, and credit or transportation. 


FAIR COLLECTIONS & OUTSOURCING {$7800.00} opened XX/XX/2016 Delete immediately