davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NY)

XXXX is reporting on my credit report false information i have sent them letters and they keep putting it back on my report the are in violation of the FCRA!!! i only have a car on my report nothing more!! i want to discover card deleted permanently!!!!!!! 
i will not rest i also want to sue them for violation of the FCRA!!! delete now!!!!
Consumer complaint received 2022-09-01
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed accounts. If they unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX, XXXX. XXXX Date Opened XX/XX/XXXX Balance $ XXXX-Late/Closed Late Dates XXXX, XXXX & XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Dates XXXX, XXXX - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Dates XXXX XXXX XXXX - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00},
Consumer complaint received 2021-03-09
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: EQUIFAX, INC. (IL)

Equifax/XXXX, 15 USC 1681b Permissible purposes of report ... ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. 

Please remove : XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

in XX/XX/2018 I have purchased vehicle from XXXX XXXX. But I do see additional hard inquiry pulled by XXXX XXXX XXXX, XXXX XXXX though I never applied or gave consent to them. Please help me to correct this from my report.
Consumer complaint received 2023-01-13
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. (MA)

On XX/XX/XXXX an account # XXXX with XXXX XXXX XXXX obtained in my name without my knowledge. I was made aware after pulling my credit report that my information was used to open this accounts and reported to authorities on XX/XX/XXXX with the Massachusetts XXXX case # XXXX with Office XXXX XXXX badge # XXXX. I have sent this information to Transunion, XXXX, and XXXX who are still reporting fraudulent information on my credit file.
Consumer complaint received 2022-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NC)

I was under a trial modification agreement with Chase Home mortgage. I received assistance from NCHAF to pay the outstanding late balance and the XXXX, XXXX and XXXX payments. Chase was mailed 2 checks on XX/XX/XXXX and they have not applied these checks to my account
Consumer complaint received 2021-04-14
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 received a copy of my of my credit report and noticed fraudulent accounts on my credit report.Reference number XXXX date of service XX/XX/XXXX balance {$1000.00}, reference number XXXX date of service XX/XX/XXXX balance {$710.00}, reference number XXXX date of service XX/XX/XXXX balance {$1000.00}, reference number XXXX date of service XX/XX/XXXX balance {$1600.00}, reference number XXXX date of service XX/XX/XXXX balance {$1600.00}, reference number XXXX date of service XX/XX/XXXX balance {$1000.00}, reference number XXXX date of service XX/XX/XXXX balance {$1600.00}, reference number XXXX date of service XX/XX/XXXX balance {$1000.00}, reference number XXXX date of service XX/XX/XXXX balance {$1100.00}, reference number XXXX date of service XX/XX/XXXX balance {$16000.00}, reference number XXXX date of service XX/XX/XXXX balance {$1100.00}, reference number XXXX date of service XX/XX/XXXX balance {$780.00}, reference number XXXX date of service XX/XX/XXXX balance {$780.00}, reference number XXXX date of service XX/XX/XXXX balance {$1600.00}, reference number XXXX date of service XX/XX/XXXX balance {$310.00}, reference number XXXX date of service XX/XX/XXXX balance {$160.00}.
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (TX)

My business checking account was debited by American Express for purchases I did not make on my Amex Plum Business Card in 2018. I have called Amex many times and submitted documentation but the issue is still unresolved. American Express continues to ask for sensitive bank documents which they know my bank will not provide in order to avoid reimbursing me. 

These are the dates and amounts debited from my checking account by Amex. 

XX/XX/2018 {$2500.00} XX/XX/2018 {$2800.00} XX/XX/2018 {$2500.00} XX/XX/2018 {$5800.00} XX/XX/2018 {$5200.00}
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

To whom it may concern, THANK YOU for taking the time to read this. I appreciate you. You're awesome. You're probably the coolest, nicest, hardest working, and best looking representative in your company. 

SOLUTION : I would like delinquent payment mark removed from my credit report. Please! I don't believe it is accurate. 

REASON WHY : I spoke to a XXXX XXXX representative on the phone because they called asking about my late payment ( it was not delinquent yet at this time ), and I told them the date AND the amount I'd be paying. I asked specifically if this would prevent a delinquent report. They said I would be safe. But shortly after XXXX XXXX still reported it as delinquent. 

Please remove this report. Thank you so much for being so awesome.
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-01
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Open Date XX/XX/2010 Balance : {$7200.00}
Consumer complaint received 2022-05-03
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. (FL)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2018-05-15
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)

Some issue my social to attempted to purchase a car under my name. I have taking action of calling the dealerships to have them removed i was informed that no paperwork was done these where all done online. Also no one seems to know the correct person or company to result this issue. These inquires was reported to all 3 credit bureaus There are have several inquires in " my name ''. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX-XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXk XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2021-03-09
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: LEXISNEXIS (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

WAYPOINT ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX  XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (SC)

Jefferson Capital Systems , LLC has been harassing me despite having paid them off already. I set up a payment plan and settled. I completely paid them off in XX/XX/2021, last week, they send me a letter stating I now owe {$50.00}. I called them and they told me I don't have a balance. I informed them of the letter, they then stated oh I do have a balance then. I asked why when they just told me initially I am paid in full. They began to ask me questions on when did I pay it off. I informed him the dates should be right there in his system since he just told me I had no balance at the beginning of the call. I asked for a supervisor and the agent laughed and put me on hold for over 5 mins. I called back and the same thing happened, I was told I have no balance, informed of the letter and again, all of a sudden now I do have a balance. Then the agent began talking about a debit for XXXX, I have never had any service of any kind with XXXX. I could barely get a word in, the agents kept cutting me off, raised their voices over mine. All I wanted was for the to validate this new " debit '' I owe. But they couldn't seem to answer any of my questions, explain anything, and would refuse to let me speak to a supervisor. These people are scammers and need to be looked into.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Statewide Credit Services Corp. (NY)

The company XXXX XXXX XXXX illegally reported to credit report agencies that I owe them money. The collection agency, XXXX, has refused to produce any documentation that substantiates their claims against me. Upon contact with XXXX, they responded with litigation unless the account is payed When prompted why they are targeting an uninvolved party they responded that spousal attachment justifies their actions. However, I am unable to find reference to such a legal theory anywhere.
Consumer complaint received 2019-09-27
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. (GA)

Experian refuse to remove inaccurate information reporting on my account. The account has not been verified in three years and they refuse to delete the information under the fair credit reporting act 15 U.S.C to disclose all the information and documents in their file  regarding the accounts reporting on my credit. I have spoke with the creditor and have been advised they are not reporting any of the information that is currently on my credit file. I have been dealing with this information for years and they continue to bring harm on my reputation and credit worthiness.
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OR)

On Friday, XX/XX/XXXX, a process server knocked on my door. She served me with papers saying that I was being sued by XXXX XXXX XXXX The papers said that Midland had purchased my debt from a credit card, and that I owed them {$1000.00}. I paid the credit card company XX/XX/2017. I have the receipt to prove it. The papers said that I needed to file a motion with the court in the next 30 days or I would automatically lose the judgement, and that my wages could be garnished. A copy of my receipt was sent to the court clerk, and I was told that it was being forwarded to the attorney representing Midland. Is it legal for Midland to draw up court papers over a debt that has been paid?
Consumer complaint received 2020-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX I tried to order from XXXX XXXX. 
The computer rejected my request. 
Then Comneity Bank deducted {$75.00} {$89.00} {$89.00} on XX/XX/XXXX From my debit card. 
I did not authorize this, Their computer systems are a mess. 
Please intervene. 
Thank you
Consumer complaint received 2021-07-22
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: DISCOVER BANK (NY)

I have these accounts that are not mine and i want it to be remove from my credit report asap. 

1. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2019-09-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (FL)

I received a small payday from a XXXX XXXX  company called Bridge Lending last XX/XX/XXXX, and have had issues repaying the loan ( due to financial hardship ). 
Finally, in XX/XX/XXXX I received an alarming phone call from an unidentified local number, ( XXXX ) XXXX ; the message left by this process server basically threatening to show up at my job, or at my home unless I contact the client to settle immediately, which I did. I was unable again, to make the payment of {$240.00} that I had scheduled with this collections firm, who goes by the office of XXXX, ( telephone XXXX ) ; they did extend the scheduled payment to my next payday. I contacted XXXX back later that week, to make an arrangement for partial payment, as I was not able to make the payment for the full amount. I was denied a payment arrangement. The payment of course was not able to be processed on the scheduled date, and I was contacted immediately by another process server, who left another startling message on my phone. I contacted XXXX again, only this time, I was yelled at, berated, and threaten by office manager XXXX who stated that no arrangement would be made, and the case has been refiled ... this is not how I believe legit lenders, collection agencies and process servers do business ... in addition to filing this complaint, I have decided to seek legal representation.
Consumer complaint received 2022-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've requested original paperwork from XXXX XXXX as well as XXXX XXXX XXXX. Both could not provide me with anything that had my name, address, charges etc. I am not liable for this debt with XXXXXXXX XXXX and I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original application as requested. Reported to the XXXX  when XXXX XXXX refused to give me any information and when I advised this may have been identity theft the gentleman called me a liar and threatened to have me arrested. I asked for his name and he refused. He never stated the name of the company I found it by looking up the phone number. Amount owed on transunion report shows {$770.00}, caller stated {$900.00} and then {$650.00} when I called back. Validated by XXXX and XXXX and removed. Transunion has still not removed. Please refer to 15 U.S. Code 1681- Congressional findings and statement of purpose. I demand that this be removed immediately.
Consumer complaint received 2021-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have these accounts that are not mine and i want it to be remove from my credit report asap. 

1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of Walla Walla (WA)

Several months ago those companies sent me a demand for payment, generic letter. I sent them a debt verification letter asking them to verify the debt provide me with the information they need to provide, and asking them to only communicate with me by mail. They responded with a random page from an attorney saying I owe money, but no additional details that I had requested or any information of me agreeing to pay the debt. They began fraudulently reporting this debt on my credit report, so I sent them another letter requesting the same information, to verify the debt and to only communicate in writing. Now they are calling me. And not communicating in writing as instructed.