davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-07-20
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. (NC)

Equifax announced the cyber security incident one of the largest in history unauthorized data breach occurred from mod XXXX XXXX- XX/XX/XXXX. The incident was discovered by Equifax XXXX  XXXX. My data was breached from mid XXXX XXXX- XX/XX/XXXX. I want to be compensated in the amount of XXXX
Consumer complaint received 2022-05-19
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. (TX)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my EXPERIAN consumer report on XXXX, XXXX XXXX, without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX MORTAGE XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these companies for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), 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, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 



Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Best regards, XXXX XXXX XXXX
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (DE)

This company is deceitfully misclassifying themselves as a Creditor when in fact they are a collection agency to purposely cause me harm! This is a violation of the Equal Credit Opportunity Act which specifically states that a Creditor is an individual who extends credit. They know they dont extend credit and they know they have no business agreement from which there was ever a start date. Remove this immediately!
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (CA)

Credit report {$XXXX} past due as of XX/XX/2024. This debt does not belong to me. 
15 USC 6802 15 USC 1692 ( g ). Debt is not validated. If it is not removed immediately from all my credit reports XXXX, XXXX and XXXX, I will take legal action
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (TX)

On XX/XX/2023 and XX/XX/2023, I mailed a letter to Bridgecrest requesting a copy of the bill of sale, loan agreement, right to redeem notice and the notice of deficiency. Each time, Bridgecrest response was they was not able to locate or validate the account and that I would have to call in and request the information. I contacted bridgecrest prior to XX/XX/2023 where I spoke to a representative who not only confirmed the account with me, but also provided me with the VIN # to the vehicle. When I disputed the account through the credit bureaus, Bridgecrest validated the account as accurate. I don't understand how they can validate the account as being accurate with the credit bureaus even though when I requested documentation regarding the accuracy, I was told the account could not be validated.
Consumer complaint received 2024-04-01
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp. (PA)

True Accord, part of XXXX XXXX XXXX XXXX XXXX is attempting to collect on a debt that falls outside of the legal time line to collect. I do not acknowledge this debt and have no knowledge of it.
Consumer complaint received 2022-05-18
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. (MS)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX , Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number 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. 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 2021-11-12
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. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX Funding Acct # XXXX ( partial ) I have reached out to XXXX in regards to Acct # XXXX ( partial ) directly to ask for sufficient proof and never received any information. I used all ( 3 ) credit reporting bureaus to get sufficient information resulting in XXXX deleting Resurgent/LVNV Funding Acct # XXXX ; It has been ( 30 ) days I have not received anything from XXXX or Equifax. What is the difference between the information XXXX have from the others to delete the account and the others did not delete with accordance to US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately.
Consumer complaint received 2021-11-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: First Technology Federal Credit Union (OH)

On XXXX XX/XX/2021 I had entered into a contract to have my roof replaced. I agreed to the terms of the loan with the XXXX, and the finance company, XXXX XXXX XXXX ( XXXX XXXX XXXX. 
On XXXX XX/XX/2021, I received a letter dated XXXX XX/XX/2021 from First Tech Federal Credit Union, informing me that they had purchased my loan from XXXX, and subsequently had opened up a membership savings account. 
At no time did I authorize opening a membership saving account with any financial institution. Quoting directly from their letter : " We've also made a {$5.00} deposti to establish your First Tech Membership Savings account and the account number is XXXX. '' I've tried to have this resolved with XXXX and 1st Tech, and their answers are identical, we can not do anything about your concern. Both have said I had agreed to opt in on the loan documents, to which no such options appears. They didn't even cite any reasons.
Consumer complaint received 2019-11-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (FL)

My loan was in default initially, XXXX and now shwoing XXXX, I'm XXXX years old making XXXX this year, all of a sudden I am getting these high payments and my credit score was destroyed. I was having my taxes garnished every year as payment and i was ok with that but now i dont know what to do. 
XXXX XXXX  Last reported XX/XX/XXXX {$77000.00} Reported balance Highest balance {$16000.00} You've paid off -382 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$16000.00} Monthly payment {$490.00} Opened XX/XX/XXXX ( 11 mos ) Term 360 months ( 30 years ) PAYMENT HISTORY You've made 22 % of payments on time Payment status 120-149 Days Late Worst payment status 120-149 Days Late ACCOUNT DETAILS Account status Open Type Education loan Responsibility Individual Remarks Dispute resolved ; customer disagrees Times 30/60/90 days late 0/1/6 CONTACT INFO XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX See a mistake? You have a right to fix it
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

From XXXX  through XXXX, I was travelling abroad ( XXXX and XXXX ) for the first time in many years. While I was travelling, I used the Citi Thank You Rewards credit card to pay for transactions, unaware that usage of the card would trigger foreign transaction fees of 3 %. While on my trip, I used the Citi Mobile App to track my transactions. I was careful to review the exchange rates and any potential additional fees associated with those transactions. During my 10 days abroad, none of the transactions I reviewed in the Citi Mobile App appeared to be subject to foreign transaction fees. There were no foreign transaction fee line items nor any language in the app about the potential for foreign transaction fees. It was not until my billing cycle had closed and a billing statement generated that I saw one large line item for foreign transaction fees at the bottom of the billing statement. Had I seen those fees in real-time on the app, I would have stopped using my card immediately and instead used cash or a different credit card. It is a deceptive practice of Citi to not post fees in a timely manner to customers ' accounts. I have had the Citi Thank You Rewards card for many years, and it is unreasonable to expect that I would remember all the terms and conditions of the card, especially in the case of foreign transaction fees, because I do not travel abroad often ( in fact my last trip abroad was over 5 years ago ). I called Citi on XX/XX/, spoke with a service rep and a supervisor, and discussed my concerns and they refused to waive the fees despite the fact that I have been a loyal customer, have always paid my bills on time and have excellent credit.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

I am victim of Identity theft and the identity theft has already been reported to Identity theft dot gov as well as the Unemployment department. XX/XX/2021, I had requested a copy of my credit file from XXXX, Experian and XXXX and they sent me my credit report instead. I have made repeated phone calls and their automated systems has been extremely difficult to use. 

I had online access to my reports and the screen timed out. I would like a complete copy of my credit file but their deceptive and unfair practices have made it extremely difficult to receive my private information in this file. 

Each Agency made me disclose my entire social security number which should not be asked for. XXXX, Experian, and XXXX could have requested the last four. 

XXXX, Experian and XXXX have my private information stored in their systems with out my consent and refuse to allow me to verify it is correct by allowing me to see ALL of it. 
XXXX, Experian and XXXX are also selling my private information with out my consent which is aggravated identity theft.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (OH)

I Have no knowledge of this account, XXXX, ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXXXXXX has been reporting and updating on my credit report monthly. However, this count is closed and has been for some time. so how can a closed account be updated? It doesn't make any sense and has been detrimental to my credit.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Recently, my identity was stolen, and the offender was able to open several accounts. Most accounts were not opened as the requested identifying information could not be supplied. In order to prevent further mayhem, I requested a credit freeze from the three major reporting agencies. I was successful in freezing my credit with XXXX  and XXXX. 

My complaint stems from the process offered by Experian. I am not able to freeze my credit online or over the phone with Experian. They will only complete my request if I submit a letter that contains my : 1. Full Name ; 2. Date of Birth ; 3. Social Security Number ; 4. Current Address ; 5. Previous Address ; 6. Copy of Government issued ID ; and 7. Copy of a utility bill, lease/deed, bank statement showing my current address.

The envelope that contains ALL of the information that any nefarious individual needs to impersonate me and apply and open accounts illegally must also be addressed to " Experian Security Freeze. '' I can think of no better clue than what this envelope may contain within its folds. 

Experian 's credit freeze practice puts my personal information at further risk. I have attempted to freeze the credit both online and over the phone, but my attempts were denied. 

I am also concerned with how Experian will further protect the additional information I must provide them. Should I be expecting a return envelope containing the shredded remains of the photocopies of my ID and utility bill? Do they have a right to keep a copy of my ID? I was unable to find full disclosure of what they would do with these documents once they received them.
Consumer complaint received 2022-12-16
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. (NJ)

i XXXX XXXX, natural person, i am disputing on my own with the help of no one In accordance with the Fair Credit Reporting act. The List of inquires below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

While applying for a home loan, the lender was unable to pull a credit report via Equifax. Equifax is showing a fraud alert/block, which is not allowing my lender to pull a report. I have called Equifax several times and have even faxed in my driver 's license and social security card in order to verify Equifax is reporting all information accurately. They have told me they are, but my lender is STILL unable to pull my information. 

XXXX contacted their lender member services and verified via XXXX ( Case # XXXX ) that Equifax is reporting both my maiden name ( XXXX ) and my social incorrectly. 

I attempted to call back Equifax to have the matter resolved and they confirmed that the social and the maiden name are reporting. 

However they still have not resolved the issue. This is causing a delay in moving forward with my home loan.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Collectors, Incorporated (WA)

Dynamic Collectors has contacted me at my place of work. That is private information and they can not call my work. They call my cell phone multiple times a day. I am going through the process of declaring bankruptcy and I told them to contact my attorney and they said they can not do that.
Consumer complaint received 2021-11-12
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. (NY)

My name is XXXX XXXX, I checked my latest consumer report on XX/XX/2021 and i am still being violated by not only the three main reporting agencies but I'm sure the hidden agencies where my private information is bought and sold by and to non affiliates. I do not consent to E-oscar verification and will reserve all my XXXX given rights as a natural person. TransUnion, XXXX and XXXX continue to report defamatory inaccurate information. NO AGENCY SHALL DISCLOSE ANY RECORD WHICH CONTAINED IN A SYSTEM OF RECORDS BY ANY MEANS OF COMMUNICATION TO ANY PERSON, OR TO ANOTHER AGENCY, EXCEPT PURSUANT TO A WRITTEN REQUEST BY OR WITH THE PRIOR WRITTEN CONSENT OF, THE INDIVIDUAL TO WHOM THE RECORD PERTAINS. I NEVER GAVE ANY REPORTING AGENCY CONSENT. The role congress says they " assumed '', DOES NOT permit the use of my private information WITHOUT CONSENT. A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 15 USC 1681b ( f ) Certain use or obtaining of information prohibited. A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.