davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

The fraudulent information listed below is showing on my credit file but is not mine. Please remove the fraudulent information immediately from my file. 

Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Account : XXXX XXXX
Consumer complaint received 2022-04-21
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: Central Portfolio Control Inc. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Central Portfolio Control # 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
Consumer complaint received 2022-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I was sent a letter from XXXX claiming that I owe them {$80.00}. When I called them to report that the debt was not mine and that it was a case of identity theft, they were not trying to resolve this issue. They then placed the debt into a collection status on my credit report.
Consumer complaint received 2022-04-21
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. (LA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-09-08
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. (CA)

Equifax mishandled my information and allowed my sensitive personal details to be stolen by hackers. I am listed as a potential victim according to their equifaxsecurity2017.com website
Consumer complaint received 2022-04-21
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. (TX)

In accordance with the Fair Credit Reporting act XXXX ACCOUNT XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2022-04-21
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. (OH)

I sent a certified letter to XXXX XXXX XXXX Account # XXXX on XX/XX/2022, " demanding the company provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically Naming XXXX XXXX XXXX as an entity entitled to enforce a commercial claim You do not conduct commerce against me. '' ( I have attached a copy of the letter ). Use of name, birthdate and social security is not validity. XXXX XXXX XXXX did not provide the requested information and did not remove this account off my report.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (UT)

I have a checking account that I opened with TD Bank several years back ( can not recall the exact date ). I did this because I was often away from home on the XXXX XXXX  and needed some banking options. They stated I need to keep a balance on the account to keep it open and not incur fees which I have. I live in the XXXX and have my mail forwarded to me. The last statement I received on the checking account was last year around XXXX which stated I had almost {$1900.00} in the account. There has been no activity since the last statement that would diminish the amount in my account. Today when trying to login to the account online to do some updates, the system could not find my account. I called TD Bank and was transferred around to 5 different people back and forth between departments - none of whom can find my account.
Consumer complaint received 2022-04-21
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)

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 XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-04-21
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. (PA)

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 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 an account without my written instructions
Consumer complaint received 2022-04-21
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)

Under the Fair Credit Reporting Act ( FCRA ), I XXXX XXXX XXXX have a right to the fair and accurate reporting of my credit information. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, Account Info Reference Number 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
Consumer complaint received 2022-04-21
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. (TN)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion will not delete an account that has been forgiven. It is showing a derogatory status of owing a balance of XXXX. I have included a letter from XXXX XXXX stating that not only was the balance that they are reporting is incorrect, but also that it has been forgiven. This is damaging to my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.
Consumer complaint received 2022-04-21
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. (SC)

I was young and I didn't know anything about credit. Once I got older I realized that my identity was used which i do not understand how people was able to open any accounts in my name because i was not old enough at the time or aware. I did not know anything about credit. I am just now learning about credit. 

I have 3 closed accounts on my credit report that I did not open : -XXXX XXXX XXXX - 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have one collection that I did not authorize : - XXXX XXXX XXXX
Consumer complaint received 2022-04-21
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. (SC)

I was young and I didn't know anything about credit. Once I got older I realized that my identity was used which i do not understand how people was able to open any accounts in my name because i was not old enough at the time or aware. I did not know anything about credit. I am just now learning about credit. 

I have 3 closed accounts on my credit report that I did not open : -XXXX XXXX XXXX - 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have one collection that I did not authorize : - XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2022-04-21
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. (TN)

I am disputing a problem reporting on my student loan. I am currently in the income based repayment plan and have been been since XX/XX/2020. There should not be any late payments reporting on Experian, XXXX and XXXX on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account type : Installment XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX XXXX XXXX Account type : Installment I also noticed a discrepancy in the reporting date and discharge date of an old bankruptcy that has aged past 10 years on reporting and discharge date and needs to be removed from XXXX, Experian and XXXX as well.

XXXX  XXXX Bankruptcy Status : Discharged Reference # : XXXX or XXXX I appreciate ongoing look into this as it is preventing me from moving forward in my house buying process. Credit report is attached. Thank you.
Consumer complaint received 2022-04-21
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. (TN)

I am disputing a problem reporting on my student loan. I am currently in the income based repayment plan and have been been since XX/XX/2020. There should not be any late payments reporting on XXXX, XXXX and Transunion on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account type : Installment XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX XXXX XXXX Account type : Installment I also noticed a discrepancy in the reporting date and discharge date of an old bankruptcy that has aged past 10 years on reporting and discharge date and needs to be removed from XXXX, XXXX and Transunion as well. 

XXXX XXXX Bankruptcy Status : Discharged Reference # : XXXX or XXXX I appreciate ongoing look into this as it is preventing me from moving forward in my house buying process. Credit report is attached. Thank you.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

These Accounts have violated my rights According to FCRA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status. 
Everything reported here does not meet the FRCA. 
Also, in accordance with the Fair Credit Reporting Act. These Accounts has violated my rights. 
15 U S.C 168Q 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. 
I HAVE NOT INSTRUCTED ( XXXX, XXXX, OR EXPERIAN ) TO FURNISH ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT.
Consumer complaint received 2022-11-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (FL)

CONSUMER ADJUSTEMENT CO. ORIGINAL CREDITOR IS XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) THERE ARE 2 SEPARATE COLLECTIONS ON MY CREDIT FROM THE SAME CREDITOR I TRIED TO CONTACT/DISPUTE THAT DID NOT HELP AT ALL COLLECTION WAS REMOVED AT ONE POINT AND CAME BACK ON MY CREDIT WHICH IS RIDICULOUS. 

NEVER RECEIVE ANY FORM OF CONTACT FROM THEM
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (WA)

On XX/XX/XXXX my personal banking account debit card info was hacked and stolen, our main account was cleaned out of funds and the bank finally stopped authorizing additional purchases due to fraudulent activity it determined. I was never noticed and I have alerts on everything on all of our accounts for just this sort of problem. A fraud claim was filed with US Bank ; claim number # XXXX immediately upon us discovering our account had been compromised. It was a nightmare and a lot of leg work on my part to fix this. Im already a victim of identity theft and have been protected ( allegedly ) by XXXX  XXXX XXXXXXXX for many years and still have had problems with exposure of my personal records. I contacted XXXX concerning why I wasnt notified of another breach and they told me that the bank ( US Bank ) never reported it to them. A representative of US Bank informed me they only report fraud on their bank issued credit cards and dont always report theft or fraud on personal accounts. OMG, what good is XXXX or any other Identity Theft and Credit monitoring service if the banks dont report all fraudulent activity. Sounds like a upcoming lawsuit to us. Please help, my identity was first stolen in XXXX and several more times since including the XXXX XXXX breach that exposed ALL of my personal information. I would like investigations into US Bank and XXXX and the other two Credit agencies. No one is really protected!
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (WA)

Got a voicemail yesterday and my parents were called today " about a complaint ''. Call came from XXXX. Was told to call back XXXX. XXXX XXXX XXXX. Claims i have an overdrawn checking account with US bank. I have never had an account with US Bank. They have the last 4 of my social security number and my cell phone and my parents home phone number. He threatened me telling me they are taking me to court and I will have to pay it, if I don't agree to settle outside of court. Said his name was XXXX XXXX. This is shortly after I received a notification from experian about my social security number being found on the dark web.
Consumer complaint received 2016-11-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX, Ga. XXXX Acct # XXXX. 
I have sent Captial One letter regarding my account, which they claim my account was charged off {$720.00}. I requesting validation, made pursuant to the Fair Debt Collection Practices Act. I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports, from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fait Debt Collection Practices Act.
Consumer complaint received 2023-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (IL)

I disputed a charge from an ATM where my card from Chime was used but no money was ever dispensed. Chime immediately denied my claim and debited my account another XXXX dollars leaving me in the negative. I asked for the information used to deny my claim and none was ever sent to me.
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ballybunion Enterprises, Inc (FL)

Between XXXX XXXX  XXXX and XXXX XXXX  XXXX I was in the process of being XXXX discharged from the military XXXX XXXX XXXX XXXX XXXX. I ended up with XXXX XXXX XXXX. During that time, Freedom Acceptance Corporation failed to make any reasonable attempt to reach me at my current address and phone number to discuss the debt. They immediately took me to court and won a judgment in the XXXX XXXX XXXX, knowing that I did not reside in the city of purchase. I successfully updated my address with them over the phone and let them know I was in XXXXXXXX XXXX and still never recieved any notification from them. They knew I was in the military and was prone to moving. It seems this is something they have done to thousands of veterans. In XXXX it was reported that they were to prove over XXXX XXXX in consumer redress and to pay a {$100000.00} civil penalty for their practices. I could have paid the debt had I been notified, but their business practice is to prey on people even XXXX veterans like myself in order to increase their wealth. I know owe XXXX more than the original balance and Freedom never had the intention of working it out. They wanted to increase their money due and took me to court in a city they knew I did not live in and were awarded a judgement that I was unable to defend.