davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I lost my wallet and someone took my documents my cards used to make purchases and spent all the money I had on the cards, with all this comes all these collections on my credit interfering with my credit preventing my score from going up so I came to ask for help you guys please delete these fraudant collections on my credit I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open. 


please i have called the stores many times to report the fact since i was robbed i kept calling some stores they closed the card but do not delete the fraudulent accounts on my credit please delete these fraudulent songs that i selected here i am not
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I lost my wallet and someone took my documents my cards used to make purchases and spent all the money I had on the cards, with all this comes all these collections on my credit interfering with my credit preventing my score from going up so I came to ask for help you guys please delete these fraudant collections on my credit I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open. 


please i have called the stores many times to report the fact since i was robbed i kept calling some stores they closed the card but do not delete the fraudulent accounts on my credit please delete these fraudulent songs that i selected here i am not
Consumer complaint received 2023-03-06
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. (WA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  XXXX  Account # XXXX, XXXX {$3500.00} Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  {$2500.00} Account # XXXX, XXXX {$2800.00} Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX & XXXX Account # XXXX, have 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 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

In XXXX of XXXX, I totaled a car purchased with a loan issued from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX. I was unable to pay the remainder of the loan at that time. 

On XX/XX/XXXX the loan was charged off. My financial circumstances have changed dramatically since then, and in XXXX of XXXX, I called them and arranged to pay the remainder of the debt. They told me they would update the credit bureaus ( they reported the loan to Equifax and XXXX  ). 

They reported incorrect data to the credit bureaus. As of now, it states that I was 60 days late in XXXX of XXXX and that the debt was charged off in XXXX of XXXX. This is incorrect as the debt was charged off in XXXX of XXXX and I paid the outstanding balance in XXXX of XXXX. 

I have made frequent attempts at contacting the company itself and disputing the charge with both XXXX  and Equifax. Per my understanding of the FCRA, this should be removed for incorrect information. Any help or advice would be appreciated. 

XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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: Paypal Holdings, Inc (KS)

I made a purchase on XXXX for {$100.00} on XX/XX/XXXX. There was a hold for this amount placed on my account with Venmo When the part of the items shipped on XX/XX/XXXX a XXXX for {$88.00} was placed on my card. When I spoke with Venmo customer service on XX/XX/XXXX, they stated there was also a charge for {$21.00} for the additional items I purchased. 

I called XXXX Customer service and spoke with their customer service by email on the same date and they stated both charges were clear on their side. They also stated the pending charges would be cleared on their side by XX/XX/XXXX. When I reached out to Venmo, they stated they wouldn't do anything about the charges for XXXX XXXX. 

I reached out to XXXX today, XX/XX/XXXX, and they stated that the charges for all of the items had cleared on their end. 

I reached out to Venmo to release the held funds for {$88.00} back to my Venmo account. They refused and stated they would have to wait the full 30 days to refund the held funds.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I have contacted the credit companies every month from XXXX to XXXX. XXXX  and the credit companies are not complying with their own policies in a timely manner
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I have contacted the credit companies every month from XXXX to XXXX. XXXX  and the credit companies are not complying with their own policies in a timely manner
Consumer complaint received 2022-04-22
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. (IL)

PLEASE SEE ATTACHED COMPLAINT : EXPERIAN has failed to apply the corrections regarding a charge off ( XXXX  XXXX ) account appearing in error and a name appearing in error ( XXXX XXXX ) despite two attempts. Experian has used threats and violence against my family while enriching themselves with the sale and enrichment of themselves without providing just compensation to me or my family.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have contacted the credit companies every month from XXXX to XXXX. XXXX  and the credit companies are not complying with their own policies in a timely manner
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : 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 2016-05-26
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Accounts Receivable Services (MN)

this is a fairly unique case as i am have recently learned of XXXX practice of forwarding accounts to a collection agency after 60 days without being paid in full. I have always preferred to pay my creditors directly and even in this case I have been making payments to XXXX on a monthly basis ever since i have been a a patient with XXXX. XXXX practice is to apply payments to the current bill in their office although their maybe extensive medical debts and payments were being made as i could afford to each week as I got paid XXXX contacted me and told me that unless i contacted the collection agency and lifted the cease communications with the collections agency and make a deal to pay i would lose my doctor as they planned to cancel me as a patient. I was intimidated into stopping my payments and told that either I pay the debt on a credit card or I make a payment plan that does not exceed 10 months neither of these were an option I asked for validation and I was told initially I did not have a valid dispute? they finally sent me the validation only to find out that they did not submit all the claims to my insurance company.
Consumer complaint received 2015-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc (NV)

XXXX separate transactions occurred on a XXXX debit card connected to my XXXX XXXX XXXX account. Despite all XXXX transactions being investigated by my bank 's fraud department and their acceptance that these transactions were indeed fraudulent, XXXX still held me liable and sent the amounts to collections creating XXXX negative and completely unjustified negative accounts on my report. Furthermore, despite providing records and all of the information to both XXXX and the debt collector, Northland Group, they have refused to delete the fraudulent transactions/accounts and continue to hole me liable. I was under the impression that Target had accepted those liabilities nearly a year and a half ago when I provided XXXX XXXX XXXX 's documentation/resolution. Because I believed this issue had been resolved, all documents pertaining to the stolen card were shredded. It was not until I was denied credit for having these accounts on my credit report that I became aware that they were negatively impacting me despite not being mine.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Please refer to our prior complaint # XXXX submitted XX/XX/22. 

On XX/XX/22, BOA issued a bill for our credit card account which includes a {$31.00} interest charge on the spurious {$1600.00} " ACH PAYMENT REFUND '' XX/XX/22 charge previously recorded on our account ( the subject of our prior complaint referenced above ). We first contacted BOA on XX/XX/22 to inform them that XX/XX/22 item is spurious and vigorously disputed, and we have emphatically reaffirmed that in numerous subsequent communications to BOA representatives- including BOA 's chief XXXX and other senior management - both before and after XX/XX/22.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lost my wallet and someone took my documents my cards used to make purchases and spent all the money I had on the cards, with all this comes all these collections on my credit interfering with my credit preventing my score from going up so I came to ask for help you guys please delete these fraudant collections on my credit I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open. 


please i have called the stores many times to report the fact since i was robbed i kept calling some stores they closed the card but do not delete the fraudulent accounts on my credit please delete these fraudulent songs that i selected here i am not
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I mailed letters in XXXX, XXXX, XXXX, XXXX and XXXX related to inconsistencies with accounts on my credit report to Expereian, XXXX and XXXX. 
I communicated that I do not own those accounts on my report but they keep sending me letters about confirming that I sent the letters. I sent the letters with a copy of drivers license and Social Security Card. Please investigate.
Consumer complaint received 2024-05-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Wildhorse Financial Services, LLC (NJ)

On XX/XX/year>, I searched online for auto lenders who pre-qualify. I have a credit score of over XXXX and was specifically looking for a XXXX XXXX or bank to take over my lease buyout. The internet directed me to Gravity Lending ( XXXX XXXX XXXX # XXXX XXXX, TX XXXX ). I submitted an online form as part of the review process. The following evening I received notification from XXXX that my credit had been accessed by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX, NJ XXXX ). I immediately submitted a fraud alert and had all three of my credit reports frozen. I also emailed XXXX to notify them of the fraud. Because this occurred over the weekend, I had to wait until the following Monday to follow up. On Monday morning I received a voicemail message from XXXX, informing me that the credit check was requested by Gravity Lending. I then contacted Gravity Lending - my point of contact was XXXX XXXX. XXXX sent a screen shot of a form I submitted online where I authorized my credit to be accessed. I explained that I was under the impression that I was submitting a form for PRE-APPROVAL only. Not wanting to have any additional hard inquiries on my credit report, I decided to follow through with the process, albeit reluctantly. As things progressed in the application process, I became more wary. I explained that I had always gone through the dealership for financing and asked that things be explained to me " as if I were a XXXX XXXX XXXXXXXX XXXX '' Instead, I kept finding out details about the process after the fact. For instance, I inquired about XXXX and why my credit was pulled by this lender. Instead of being forthright and explaining that I wasn't dealing with a lender, but a BROKER, I was simply told that the request to pull my credit report had come from Gravity Lending. I became more suspicious when I was instructed by Gravity Lending to go to my local XXXX dealership and request specific documentation, but to be forewarned that I might receive some pushback from the dealership. When I went to XXXX of XXXX XXXX dealership in NJ, it wasn't pushback that I received. Instead, I was met with raised eyebrows. I could sense that something was off, but no one said anything so I proceeded. Within XXXX hours of the dealership initiating things on their end I received a phone call from them. They had informed me that XXXX was only covering the payoff balance of the car, approximately {$13000.00} and not the total amount to include, taxes and fees of {$23000.00}. I instructed XXXX to pull my application and halt the process. I then went through the XXXX dealership for financing. Upon closer review of XXXX, I discovered that around 98 % of their reviews are negative. Gravity Lending uses sub-par lenders and also fails to disclose that it is a broker and not an actual lender. This is further substantiated by going to the website where there is no indication that the customer is dealing with a third party.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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, 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.

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 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-23
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 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