davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (GA)

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX, XXXX on all accounts create

d by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding
Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX  about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal
identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) 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.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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 2021-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc. (RI)

Account 'frozen due to risk management ' since XX/XX/XXXX, have tried endlessly to contact them including providing documents upon documents that they requested from me until they just stopped responding via email. They have over {$500000.00} worth of my assets in the form of cryptocurrency on their platform and will not respond to anything. I have plenty of tickets and corresponding emails where they requested me for identification items that i submitted until they completely stopped responding to me.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-07-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Consumer complaint received 2020-08-03
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2019-12-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The McHughes Law Firm, LLC (NC)

My employer ( not me ) received a certified letter stating that I owed a debt including legal fees amounting to {$1200.00} from a judgment dated XX/XX/2018. The person listed on the letter is not me. The SSN referenced is incorrect and I never lived at the addressed referenced on the judgment. The letter was from a law firm claiming to represent " XXXX XXXX ... as assignee of XXXX XXXX/XXXX  '' which is a creditor I have never done business with. My complaint is that this agency/firm never contacted me, but instead, contacted my employer directly. They embarrassed me and put me in a position to have to defend my integrity and be on the defensive. I work in a highly secure and sensitive industry and issues questioning credit or liability are taken very seriously. I could have lost my job had my employer not notified me of this issue. Not to mention, they threatened my employer that if he didn't respond, they would take action against him. I am not the person they are looking for, and anyone with XXXX access and practicing due diligence would have realized that before they threatened me and my employer. I reached out to the firm and asked for a written apology but received no response.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

id theft victim XXXX XXXX XXXX ( not my account ) XXXX { not my account } XXXX XXXX  XXXX XXXX XXXX ( not my account }
Consumer complaint received 2021-07-30
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)

This is a complaint for timeshare company XXXX XXXX. We spoke with one of their employees but unfortunately I don't have the names of all the people we dealt with. They were introduced as representative & not a salesperson, claimed to not work on commission. They told us we're making good financial investment, that the investment would increase in value, they kept saying this was an investment repeatedly during the hours of the sales pitch, & promised us things would be positively different each time things got worse. We were told that it has some tax benefits. There were multiple times they said they needed " corporate '' approval in order to give me the price being offered like we're being given the privelege of getting this special offer. We felt pressured and rushed when they told us it's our last chance at the lowest price. They never made us aware of the maintenance fees. At one point they took our ID during this process. We actually requested to cancel, but obviously they never cancelled it. This timeshare just doesn't help us at all & just adding financial difficulties, when we're still supporting our XXXX daughters ' education. We experience XXXX  due to this timeshare 's financial commitment & out inability to use the promises they made. We even lose sleep over the XXXX  caused by this timeshare. I'm sure we were profiled, being a XXXX  with adequate income. We had the worst experience with this timeshare, the hollow promises of multiple Florida resort options that had never been available as a XXXX member but still being responsible for all the finances for these five years. Not processing our cancellation request back in XXXX, promises that were never met, maintenance fees that we were never made aware of during sales & lastly the XXXX  & financial difficulties caused by this timeshare. We were simply defrauded & lied to. I wasn't able to provide XXXX 's email address but here 's their Contact Us page for reference : XXXX XXXX XXXX
Consumer complaint received 2021-07-30
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. (NM)

I have been disputing and sending letters to the bureaus and they have done nothing. I have received no letters or seen any updates to my credit. I will attach letters I send previously but there have been more.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Agent for TRANSUNION, EVERYTIME IN ACHURATE INFORMATION APPEARS I am racking up the fines and will be sending a large invoice for all the violations on my credit report. Starting at {$1000.00} for each violation. 

There are XXXX accounts that still appear on my report as charged off, current or collection. These accounts are reporting inaccurately and against all my natural inalienable rights of privacy and in accordance with any/all agreements. 

Under 12 CFR Part 1022 & 45 CFR Part 5b Under 15 U.S Code 168i ( 5 ) ( B ) ( ii ) ( iii ). This item ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) was deleted, and you reinserted them without notifying me 5 days after the account is in violation. 

Under 15 U.S. Code 1692e.False or misleading representation- ( 8 ) you failed to notate this account was in dispute within 30 days not this account in violation Under penalty of perjury, I swear this account is false and misleading Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

You Violated The United States Code Law 15 U.S. Code 1666b. Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Under 15 U.S. Code 1605 ( a ) if a finance Charge was included which is the sum of all payments There should be no late payments on this account Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 16813 ( b ) and 15 U.S. Code 1681u ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. If a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 Have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Unauthorized/Erroneous Accounts RESULT OF THE XXXX DATA BREACH DIRECT VIOLATION OF THE FCRA REPORTING FALSELY Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX/ XXXX
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

I had an outstanding balance with XXXX that I settled with XXXX XXXX XXXX in XX/XX/XXXX. Around XX/XX/XXXX I got a collection letter from Convergent regarding the same account. I initially thought it was sent in error since I didn't pay attention that it was a different collector, I just saw it was the XXXX acct & I had already gotten a proof of payment letter back in XX/XX/XXXX & with everything that was going on in the world I really just forgot about it. When I got another letter that's when I noticed it was from a different collector. I checked my credit report & saw the amount was back on my report but now Convergent was the name on it. I called Convergent in XXXX to get info & between speaking to them & XXXX several times I was eventually told my account was sent to Convergent from XXXX in XX/XX/XXXX because at that point it was still showing as owed in XXXX XXXX because that was before they received the confirmation of amount paid from XXXX XXXX. I spoke to someone at XXXX I was told was manager in the account recovery dept ( not sure if that was the exact name but was told they were dept that handled old accts that are sent to creditors ) & she verified she saw the amt on that account was paid in full & I had no outstanding balance with XXXX. Since XXXX I have made several calls, pretty much once every 4-6 weeks, to Convergent & have sent any & every document they request as proof of payment ( bank statements, proof of payment letter from XXXX ) but all they do is put it off on XXXX, ask me to send more or re send the documents I sent previously saying they didn't receive but the previous person I spoke to just the weeks/month before had verified receipt & said they needed time to review & reach out to XXXX. I have spoken to who I was told was managers who say they will review & get back to me but not one time has anyone done what they said they would
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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 acct # ending iXXXX XXXX XXXX XXXX XXXX  has violated my rights on behalf of XXXX XXXX XXXX : in the amount of {$1100.00} Under my Name and the variations of my nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C. 1681 section 602 A. Stated 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 item of information, Any other adverse iten of information, other than records of convictions of crimes which airdates the report by more than 7 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-30
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. (PA)

I have filed a dispute regarding the incorrect items on my credit report it has been over thirty days and I haven't received my investigation results.

On these accounts are the following companies : XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, ( XXXX XXXX XXXX  ) XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

XXXXXXXX XXXX XXXX is a fraudulent credit account placed on my report. This account was already removed by the original creditor but bought by a collection agency & placed on my file again. Please remove this asap or further action will be taken. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Atlantic Recovery Solutions LLC (FL)

Ive been out of work due to being sick and Ive told the representative numerous times that. He proceeded to keep pushing the issues that payments need to be made and I have knowledge of that. He repeatedly kept cutting me off when we spoke and when I said I couldnt make any payments he the. Said his client would be in my county to take the items back. This was rude and honestly Im appalled at the level of professionalism. 

The collection company name is Atlantic recovery XXXX
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

A Bankruptcy reporting on my Credit Report. Which is a violation of my right, knowing the fact that the United States Bankrupcy Courts Do Not report individual bankruptcy case filing data to any credit reporting Agencies, nor do they update any infomation directly to the Credit Bureaus.
Consumer complaint received 2019-12-17
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: SYNCHRONY FINANCIAL (CA)

On: Wednesday XX/XX/XXXX, I received an E-Mail from: Synchrony Bank, letting me know that $XXXX  of my Minimum Payment Due to them, for my CareCredit Account, was never Credited to Synchrony Bank, by: XXXX XXXX XXXX, which they have already took care of my Minimum Payment Due, to: Synchrony Bank already, and is reflected that Payment, on my Bank Statement that I received by: Synchrony Bank already, as a Credit to my Account with: CareCredit.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction or deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-30
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. (CA)

There seems to be an XXXX XXXX account open in my name or a similar name to mine, and I, on the other hand, never make a late payment. I always have paid my debts, and times I do not have any cards that I was late, so this is ridiculous to let this go that far. Plus, I never opened her XXXX XXXX. Its not my account, and I do believe that this account belongs to my former roommate, XXXX XXXX XXXX, who either used my name when he opened it or just added me as a co-signer. It seems like the credit card was open in XXXX or XX/XX/2020, and its got defaulted, and XXXX or XXXX, and the credit limit shows XXXX, but the balance shows almost {$6000.00}. Would you please help me to take it off my credit report? I did try contacting credit report and agency Experian, and they twice to do told me that its going to stay the way it is, which is ridiculous. Would you please help me? Im just trying my best to live in these challenging times without any problems, and I dont need this in my life right now. Would you please help me