davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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: AFNI INC. (WA)

I have a XX/XX/XXXXaccount. I reviewed my credit report and found a fraudulent entry. It appears XXXX reported to AFNI that reported to the credit agencies XXXX and XXXX that I did not pay a bill. This is impossible because I dont have a XXXX account. The XXXX client account is not mine. If you check that account, it states the name is different. This faulty name is tied to my personal information. ( SS #, Address, DOB, etc. ) This is costing me thousands of extra dollars due to a higher interest rate on a home loan because of the lowered credit score caused by this matter. I tried to track the problem through AFNI, they said it is not there problem. They sent me to XXXX which is part of XXXX now. I spent hours going in circles trying to get it fixed. The links at XXXX do not work. XXXX has fixed the problem.
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (GA)

In accordance with the Fair Credit Reporting act XX/XX/XXXX account # has violated my rights. XXXX, 2021 - {$2300.00} 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-04-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc. (GA)

My loan servicer, SST ( Systems & Services Technologies ) is supposed to take monthly payment of {$170.00} out of a designated checking account of mine once a month. However the SST took the payment out of the checking account twice, once each on XXXX XXXX and onXX/XX/2020for the monthly payment for the month of XXXX. When SST took {$170.00} out for second time, balance on the designated checking account became negative balance, and I got charged a NSF of {$30.00} by my bank.
Consumer complaint received 2021-09-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. The reason I believe it is hers is because a furniture company claims that I have opened an account with them at our property but then again there is another name that was used XXXX XXXX so I am not 100 % sure none the less she does not admit to using my information but I can not explain how I have 3 repossessions on cars I did not finance and who could possibly be on the receiving end of a personal loan and furniture without my presence. I spoke with an officer XXXX in the Sheriff 's office and he advised me their department is very busy with evictions and subpoena 's and quite frankly I don't have enough information for them to make an arrest. I have notified the bureau 's but they did not respond or remove the fraudulent accounts from my credit report. Attached is a copy of my identity theft affidavit and the letters I have sent to the bureau 's.
Consumer complaint received 2022-06-02
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 XXXX and XXXX XXXX XXXX XXXX and 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 602 A .Section 2 : IT Also States A Consumer Reporting Agency can not Furnish a Account Without My Written Instructions. 

15 U.S.C 1681b A Creditor May not treat a payment on a Credit Card Account under an open end Consumer Credit Plan as a Late for Any Reason
Consumer complaint received 2022-06-02
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. (WA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed these accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$84.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-06-02
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 XXXX and XXXX XXXX XXXX XXXX and 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 602 A .Section 2 : IT Also States A Consumer Reporting Agency can not Furnish a Account Without My Written Instructions. 

15 U.S.C 1681b A Creditor May not treat a payment on a Credit Card Account under an open end Consumer Credit Plan as a Late for Any Reason
Consumer complaint received 2022-06-02
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. (WA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed these accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX Balance : {$570.00} ; XX/XX/XXXX XXXX XXXX Balance : {$900.00} ;XX/XX/XXXX XXXX Balance : {$0.00} ; GXX/XX/XXXX XXXX Balance : {$100.00} ; XX/XX/XXXX XXXX Balance : {$84.00} ; XXXX XXXX Balance : {$2300.00} ; XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXX ) XXXX Balance : {$2300.00} ; XX/XX/XXXX ( Original Creditor : XXXX XXXX XX/XX/XXXX) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Ive recently disputed with all 3 bureaus a bankruptcy that they are reporting on my credit report that should not be on there. All 3 bureaus have ignored my letters and have ignored any other questionnable accounts I've addressed as well after learning about the FCRA. 

XX/XX/XXXXBankruptcy REF : XXXX is showing on all of my reports and I have a letter from that court attached stating that they DO NOT REPORT that kind of information to credit bureaus. 

XXXX Account XXXX XXXX This violates 15 USC 1681 602A ( My right to privacy ) 15 USC 1681 604A Section 2 ( This furnisher was not given writted instructions or permission )
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (WA)

The Dentist and his assistant injured me and poisened me when they were doing the root canal on me and also failed to put the crown on correctly I disputed it with comenity Bank but they didn't care all they cared about is the fact that I authorized the work to be done and that it was a valid charge didn't care that I was injured and made very ill and faulty work was done on me bad service and faulty service mailpratice none of this mattered to them the dentist told them he would not agree to refund my account so he got away with injuring me and putting the crown on wrong causing further damage to the test of my teeth and jaw
Consumer complaint received 2022-06-02
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. (WA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed these accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX Balance : {$570.00} ; XX/XX/XXXX XXXX XXXX Balance : {$900.00} ;XX/XX/XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX XXXX Balance : {$100.00} ; XX/XX/XXXX XXXX Balance : {$84.00} ; XXXX XXXX Balance : {$2300.00} ; XX/XX/XXXX( XXXX Creditor : XXXX XX/XX/XXXX ) XXXX Balance : {$2300.00} ; XX/XX/XXXX( Original Creditor : XXXX XXXX XX/XX/XXXX ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (MD)

I have been trying to get this issue fixed from last 4 months. 
Citi bank replied back to me with misleading information. 

Almost a month ago, I filed a complaint, where I highlighted irregularity in handling my account. Citi bank closed my account and so far Citi bankhas failed to give me a validreason. 
Citi bank did send a response, stating that they close my account, because I had insufficient funds. But they send me a copy of a check which has insufficientfund but the name of the check is XXXX XXXX, where as my name is XXXX XXXX. ( Ref Page 2 ) I am also sending a letter from my bank, where it clearly states that Citi bankwithdrew $ XXXX from myaccount. ( Letter from XXXX ) Citi bank also send another letter, where they sent a copy of the check, where there is no name, it only says XXXX XXXX- which again is not my name. ( Ref Page 7 and Ref Page8 ) I would like to know : 1. Why my account was closed. The reason sent to me by Citi is not valid. 
2. Citi bank should return $ XXXX cashed from my account. 
XXXX. Accept the responsibility that it was Citi bank 's banking error and they shouldn't have closed my account.
Consumer complaint received 2020-03-27
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC (FL)

on XXXX XXXX i recived a phone call by a debt collector in regards of a collection that i never have no information about this accounts they are claiming .i do not have any attention on paying this company not a pennies am refusing to pay them.they have herassed me by calling me phone none stop repeatedly.they have violated my rights under fdcpa see15 U.S. Code 1692d - Harassment or abuseA debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except i will not pay this company, if they try to contact contact me again i will file a civil law sue..
Consumer complaint received 2020-01-02
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. (OH)

The information listed on my report is unknown. Its stopping me from having a place to live. 
XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX-XXXXXXXX-XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX 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 ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX ARE IN VIOLATION OF MY HIPPA RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-17
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. (FL)

XXXX, transunion and XXXX  are showing inaccurate " LATE PAYMENTS '' on my credit reports. I was/have " NEVER '' been late on my : XXXX XXXX XXXX, XXXX  XXXX  or XXXX XXXX   accounts. I was NEVER notified there would/where late payments reported. I was never CONTACTED TO VERIFY OR VALIDATE ANY POSSIBLE LATE PAYMENTS. I was also never told or shown PROOF OF HOW THESE LATE PAYMENTS WERE VALIDATED.
Consumer complaint received 2022-06-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I purchased a vehicle with an extension of my consumer credit. At that time, I was not aware of Federal law, my rights as a consumer, or what " money '' is in general. Almost a year into the contract, I realized there are multiple violations in this contract with Capital One Auto Finance. Violations that would have never stuck out to me, if I didn't sit down and study, for months. 

On XX/XX/XXXX, a certified letter of my right to rescind the contract was delivered to Capital One, ( XXXX XXXX XXXX XXXX, TX XXXX ), as well as a copy of the contract with the violations I have found. 

VIOLATION 1. 15 USC 1692e- False or misleading representations VIOLATION 2. 15 USC 1635- Right of rescission as to certain transactions ( NEVER DISCLOSED TO ME ) VIOLATION 3. 17 CFR 260.11b-6- Definition of self-liquidating paper in section 311 ( b ) ( 6 ) VIOLATION 4. 15 USC 1605- Determination of finance charge VIOLATION 5. 12 CFR 360.6 ( 2 ) - Treatment of financial assets transferred in connection with a securitization or participation. 

VIOLATION 6. 15 USC 2- Monopolizing trade a felony ; penalty XXXX XXXX claimed I could n't drive off the lot/get approved unless I had a down-payment of {$10000.00} made out to them. Also, the contract buyer name and the name on the account for Capital One Auto Financing do not match up. My right to rescind the contract was not disclosed to me either. What am I supposed to pay when the law clearly states there is no money? And there is no way to " pay '' a debt? Only promises to pay? Gold and Silver is the only lawful money and that can't be used in Commerce. Why is there an additional interest in MY property that came from MY consumer account tied to the UNITED STATES? I'm aware this contract is a promissory note and has already been cashed, and God knows what else, traded 10 times already? This vehicle is already paid. I did not agree to a commercial contract either. This is not for buisness purposes. It is for personal, family, and or household use. All debt is the obligation of the United States. A total of {$14000.00} has been paid onto a piece of property that's already paid for.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$22000.00} ; XXXX/XXXX XXXXXXXX Balance : {$3.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$180.00}
Consumer complaint received 2019-12-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 3rd Generation, Inc. (CA)

This was disputed twice recently deleted from my credit and now it's bank showing from a different debt collectors agency this needs to be removed please I've tried contacting this company to dispute it is difficult to contact office and staff was extremely rude vague and dismissive I was cursed at a few times and hung up on multiple times this is effecting my credit I am a single mother struggling to fix my credit to buy a home I really need this to be made right and go away it's been a nightmare