davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lockhart, Morris & Montgomery Inc. (MO)

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. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (UT)

Key Bank is reporting an erroneous debt on my credit file that I do not owe. This debt is really old. Not only is it past the statute of limitations but it is also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed off my credit file.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/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 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 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 2020-08-10
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: Experian Information Solutions Inc. (CA)

This complaint is more about what didn't happen as opposed to what happened. The bottom line is I have been disputing with the credit bureaus since XXXX and I have received no response. I know the corona virus is real but common folks. There is no way it should take 4 months to respond to me. My credit has a bunch of stuff that shouldn't be there and with credit lending real strict now a days it is affecting me greatly. If I have to, I will sue the credit bureaus. They need to fix this now and I don't want to wait another 4 months for them to investigate and send me something in the mail.
Consumer complaint received 2020-08-10
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. (CA)

This complaint is more about what didn't happen as opposed to what happened. The bottom line is I have been disputing with the credit bureaus since XXXX and I have received no response. I know the corona virus is real but common folks. There is no way it should take 4 months to respond to me. My credit has a bunch of stuff that shouldn't be there and with credit lending real strict now a days it is affecting me greatly. If I have to, I will sue the credit bureaus. They need to fix this now and I don't want to wait another 4 months for them to investigate and send me something in the mail.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau is trying to collect an erroneous debt. I have been trying to get in contact with them with no success. They had never sent me any letters collections notices or phone calls about this debt. Just recently they sent me a letter stating that I owed XXXX. This is erroneous. I would like something signed as proof that this debt is mine. I do not owe this debt.
Consumer complaint received 2020-06-17
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

There has been a theft robbery and burglary cases involving me lately. My XXXX XXXX  me with weapons and stole my account several times. I made report to dispute the hard inquiries that are on my credit reports and the soft ones. I reported this to XXXX XXXX tx police dept. They made attempts to keep me safe. But this man came back an ssf took my cards and finding some way of using it to get a room at XXXX XXXX and withdraws XXXX dollars from a store. Then with my identity he been trying pass it off as me and make out online or at stores and apply for loans to XXXX ace cash Express XXXX XXXX  and a numerous others. Please as she remove these negative items.
Consumer complaint received 2020-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of York, Inc. (PA)

Thank you for taking the time to review the complaint. After the reviewing of all major credit reports, CBY furnished an unfamiliar debt on credit profile. Understanding creditors are obligated to report paid and unpaid debt, however ; never established residency at XXXX XXXX XXXX. Requesting a full method of verification, which is under FCRA 623, will include the following ; signature of the lease agreement, unpaid amount, and how it was generated. Copies of identification along with social security number.
Consumer complaint received 2020-08-10
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: CITIBANK, N.A. (NJ)

Hello, I purchased a ticket on XXXX XXXX  XXXX on XX/XX/2020, which was 7 months ago. The Airline CANCELLED the flight. I have tried to reach the airline since XX/XX/2020, for almost 3 months without any answer from them. Since they cancelled the flight, their own policy states that they will offer a full refund as well as it is the LAW per the department of transportation in the United States of America. They are refusing to answer any of my requests for months for a refund and wrote back to Citibank, my credit card company recently that they won`t issue a refund, only a credit. Citibank is also refusing to give me my refund and said that they are siding with the merchant. For one this is illegal, because by law they have to issue me a refund not just a credit, and for 2, they never even communicated with me about the credit. I explained this to the credit card company, Citibank, and the investigation was closed in the merchants favor. I have re disputed this, as this is not fair, as it is illegal to issue a credit ( which I never received/been notified anyway ), when I want a full refund. Please let me know my options and If I need to notify counsel? On top of this, they mistakenly sent me another customer of the bank`s personal information/ other dispute information by accident which had all of their social security information, which is extremely frightening. I am hoping you can assist me with forcing Citibank to refund me my money that has been outstanding since XX/XX/2020, over 7 months ago, as well as fining them for sending me other customers information. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-06-17
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: Santander Consumer USA Holdings Inc. (TX)

There has been a theft robbery and burglary cases involving me lately. My XXXX XXXX me with weapons and stole my account several times. I made report to dispute the hard inquiries that are on my credit reports and the soft ones. I reported this to XXXX XXXX tx police dept. They made attempts to keep me safe. But this man came back an ssf took my cards and finding some way of using it to get a room at XXXX XXXX  and withdraws XXXX dollars from a store. Then with my identity he been trying pass it off as me and make out online or at stores and apply for loans to XXXX XXXX XXXX XXXX XXXX XXXX  and a numerous others. Please as she remove these negative items.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma (WA)

Today, XXXX I received an email notice from XXXX XXXX about changes in it's privacy policy and extension of it to it's parent company XXXX. 

The changes are extensive and invasive, including but not limited to : * Device camera access * Device biometric data * Contact data * Data sharing with all XXXX platform partners, but no enumeration, limit or transparency as to what that constitutes. 

The email contains no opt out link, and the link to modify ones data settings redirects to try to install their application on mobile, which in turn attempts to gain the invasive camera, biometric, contact and general scraping of XXXX from the device. 

If the link is executed from a device they don't have an application for, it goes to their site where you can login, recover whatever sense of account they have for you if unknown, or create a new account. 

In my case, the account was created as part of consenting to a credit report background check for a rental agreement in XXXX 

Buried 3 links in, there is a button to limit some data collection by clicking an opt out button. 

There is no definition of what is and is not limited provided. There is no definition of their opt out in either their terms of service, or their privacy policy rendering it meaningless. 

The privacy policy and XXXX describe being able to delete your data, but the only data deletion option ( likewise 3 clicks deep ) is to delete your public user content on their site forums and reviews. 

Any attempt to modify the existing data they have for you to effectively remove it by changing it to nonsense throws a " we know that's not your name, if you've legally changed your name mail us here '' error. 

This is a violation of the Fair Credit Reporting Act, and by using their privacy notice email to deceptively market their mobile apps without any recourse to actually decline consent to the policy change with no marketing opt out link, they are also violating XXXX.
Consumer complaint received 2020-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp (OK)

I had a workplace accident on XX/XX/2019. I XXXX my XXXX Taken by ambulance to XXXX XXXX XXXX XXXX. I was in contact with my employer 's insurance. XXXX ( XXXX, Claim XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  FL XXXX ) charged ME for Ambulance services, and sent the bill to Collections with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX Hospital charged ME for the ER visit. I took my claim information to XXXX, but it wasn't put in their system. I visited the business office at the XXXX XXXX TWICE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) and sent the bill into collections with CAC FINANCIAL CORPS / collections at XXXX XXXX XXXX # XXXX, XXXX   XXXX, OK XXXX It had already been sent to Collections, and was out of their system I started getting calls from their collection agency. I explained that it was workman 's comp. I contacted XXXX 's, ( see above ) and they assured me that they would correct the situation with the collection agency. My credit score has dropped 300 points. and I've just blocked the collection calls. I was assured by XXXX  's that they would negotiate with collections. Through no fault of my own, I am being chased for this collection.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have no knowledge of this account XXXX XXXX XXXX XXXXXXXX. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2020-08-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (MO)

I have made numerous complaints to CFFB over the last years which have fallen on deaf ears. I STILL don't know what to do or write to convince you to do SOMETHING to help not only me but others who may be affected by this " mortgage company ''. My complaint started with Ocwen Mortgage service, now it has been sold, given to PHH "  mortgage service ''. They are still trying to foreclose on my condo. At last on XXXX of this year this went to court and a judge who had other things to do was tired of dealing with this so nothing actually happened but she through the case out without having jury. Ocwen had added numerous fake charges to my mortgage, which initially had a balance of approx. {$43000.00}. Now I have been loaded with additional fees totaling over {$130000.00}. While this was going on in court it was settled for {$90000.00}. I have my condo for sale at {$150000.00}. Now, PHH has taken over and claim I owe over {$130000.00}. If I sell my condo at the asking price I will only have approx. {$20000.00} left over. I will need at least 30 % for a down payment in order to get another loan. Ocwen/PHH has utterly ruined my credit. Please refer to my other complaints to bring yourself up to date. I NEED HELP yesterday, last year, the year before - you get the idea. I was about XXXX years old when this started. I am now XXXXyrs. old. I don't want to live like this for the rest of my life. PLEASE HELP. I believe they are extorting money from me in order to foreclose on me.
Consumer complaint received 2022-05-15
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: Experian Information Solutions Inc. (CA)

I sent letters on XX/XX/2022 to Experian, XXXX and XXXX about unrecognized negative items on my credit report and have not received any information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. 
I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.
Consumer complaint received 2020-01-09
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. (GA)

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX Inquiries XXXX XXXXCredit Union XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXXCredit Union XX/XX/XXXX XXXX   XX/XX/XXXX XXXX Financing XX/XX/XXXX XXXX   XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXXBank XX/XX/XXXX XXXX XX/XX/XXXX XXXXTravel/Entertainment XX/XX/XXXX XXXX XXXXEducation/Employment XX/XX/XXXX XXXX XXXXBank Credit XXXX
Consumer complaint received 2020-08-10
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. (GA)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$970.00}
Consumer complaint received 2020-08-10
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. (AR)

I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX {$220.00} XXXX XXXXXXXX {$21000.00} XXXX   XXXX {$25000.00} DEPTEDXXXX   XXXX {$15000.00} DEPTEDXXXX  XXXX {$1100.00} DEPTEDXXXX XXXXXXXX {$5500.00} DEPTEDXXXX  XXXX {$250.00} DEPTEDXXXX   XXXX {$3200.00} DEPTEDXXXX XXXXXXXX {$3500.00} DEPTEDXXXX  XXXX {$1000.00} DEPTEDXXXX XXXXXXXX {$3500.00}
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

For starters this is my 3rd complaint. I have submitted many letters and spent a lot of money to send letters via certified mail. I have been requesting that this credit reporting company provide proof of accounts they claim they have verified. I have not received any physical paperwork/proof that backs up their " findings ''. In addition to the creditors not sending me any proof. I have made many attempts trying to request proof with my signature and contract that i am accused of having with these creditors. These disputes have been going on for at least 2 years with no proof. When i submit a request via certified mail it seems as if they don't even investigate just say. Even more with me. I think since i made a complaint before this company is retaliating against me by not removing the incorrect information off my credit report and not providing proof with my signature. As a consumer who has access to only so much, the credit bureau has the upper hand/ power and they use that to their liking. I do not know what else to do. Who else can i complain to to get this information corrected on my report? Who else handles disputes with credit bureaus about not getting proof of accounts that they claim were verifiable? Who do i complain to if the company has been retaliating and my issues are not being addressed properly. These creditors are as followed XXXX XXXX XXXX Don't have contract with them do not owe an account that was paid off Dept Of Ed- NEVER LATE ON PAYMENT. loans were put on hold as i was a student. Made complaint before against Dept of ED. have yet to fix it XXXX XXXX XXXX- WAS NOT LATE ON ACCOUNTS AS STATED. Company did not send out statement for months. I would like all the errors deleted from my report ASAP. Also requesting proof that credit bureau has with my signature need to be sent via cert mail to me. 

I HAVE NOT received a response from TRANSUNION and is has been months. their website is not working and no one is answering the calls. anytime i try to talk to a person the phone hangs up. they arent addressing my incorrect information on my accounts is has been more than 160 days.
Consumer complaint received 2020-04-13
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: Experian Information Solutions Inc. (MD)

Greetings, I have settled with XXXX XXXX but they have NOT removed the information from my credit report. I also need the following information removed from my credit report because it has already been more than 7 years, so it is pass the special limitations. 
1. XXXX XXXX 2. XXXX XXXX XXXX. XXXX 4. XXXX I really appreciate your assistance in removing these negative items from my credit report. 

Thank you. 
XXXX. XXXX XXXX. XXXX