davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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. (NV)

After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. You are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Total Customer Service, Inc. (CA)

The company is XXXX. The collection agency is Total Customer Service , Inc . However, I ironicaly was treated with horrible customer service when calling to dispute the debt & in fact, the gentleman I was talking to on the phone literally just hung up on me while I was talking ... It was rather rude. 
So anyways, I received a promotional letter, for what appeared to be a sweepstakes giveaway with a large cash incentive as the main prize. Naturally curious as to winning the cash prize, so I could clear other legitimate medical debts of mine, I called the number on the letter that I received & was instantly asked a few various simple questions about my life. Then after answering those survey questions, they said I qualified for a free nice watch & they requested my address to send me the free watch, that was promised to me. Next, they also requested my credit card info to verify my age/identity/etc ... After collecting that info, they had an immediate request for money to start a magazine subscription, to which i declined, multiple times. I was assured that I 'd was getting the watch still, however I never received it & instead a women 's beauty magazine of some sort was mailed to me by them but it actually went to my Mother 's address ... Which by the way, she 's a witness for the entire incident & was present during the conversation I had initially. I definitely NEVER ordered a magazine subscription or authorized a charge for anything of the like. I 'm a XXXX year old male & it was a women 's beauty magazine that they sent me, which should hopefully reveal how much of a scam this was/is. I hope others are n't being harassed with ridiculous fraudulent charges from this con-artist company. It is a complete scam & they lie to you about everything that is " offered '' or " won ''. MY card had no funds on it so the purchases never processed, which I mentioned to them on the phone so they would n't attempt to charge anything, yet it appears that they did. Recently I received a bill from them for a collection of {$67.00} or something close to that price, via the mail. Except, I 'm confused how I owe anything? I definitely do n't & regardless of the watch or the amount of supposed " debt '', this is all just fundamentally incorrect & morally wrong/unfair for me, as well as any other member of the general public that they 've prey on for falsely, " owed '' money. Please help us good people.. In my opinion. this company should not be allowed to operate.
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. I also contacted the furnisher and they agreed to REPAIR the account in my file. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2015-05-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (AP)

REPEATED BY PHONECALLS FROM XXXX NCC BASED IN FLORIDA. THIS COMPANY IS INF VIOLATION OF THE FAIR CREDIT REPORTING ACT AND I HAVE DISCUSSED THEIR TACTICS WITH LAWYERS. THEY MUST BE INVESTIGATED AND PROSECUTED!
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (MI)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2022-10-11
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. (NY)

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 wrote to your company indicating my dispute of information in my credit report. I contacted the furnisher because I feel like the bureau is disregarding my efforts and so they agreed to UPDATE and REPAIR my account. Experian has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX XXXX
Consumer complaint received 2022-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2022-12-03
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. (FL)

Hello, respectfully receive my greetings, it is to inform and notify that I have been appealing various things from my credit report for some time that is damaging my reputation. I definitely want them to eliminate all credit searches that I did not authorize. 
On one occasion I went to help a cousin buy a vehicle and I would be the co-signer and I made my suggestion that they not inquire about my credit because car dealers are used to making multiple inquiries
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (FL)

Hello, respectfully receive my greetings, it is to inform and notify that I have been appealing various things from my credit report for some time that is damaging my reputation. I definitely want them to eliminate all credit searches that I did not authorize. 
On one occasion I went to help a cousin buy a vehicle and I would be the co-signer and I made my suggestion that they not inquire about my credit because car dealers are used to making multiple inquiries
Consumer complaint received 2021-04-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

I purchase my vehicle in XXXX. In XXXX, XXXX and XXXX they didn't report anything to the credit bureaus until I filed a dispute. Each time they only reported some of the information to some of the credit bureaus and that was only after I filed the disputes. I spoke with the company and asked them to please provide information because it showed I had outstanding debt over XXXX XXXX Multiple people yelled at me. They said I was lying because they report to the credit bureau every month. After filing disputes the information was finally gathered and since the last dispute they change the information from the past from being negative to positive back to negative. Because of them doing this I am unable to refinance with another company because it has damaged my score so bad. I have bank statements showing every transaction and screenshots showing them going back-and-forth on my credit report changing months from current to delinquent.
Consumer complaint received 2022-12-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? Technically debt is a twofold word, it is any obligation or an alleged obligation and you can't choose both. Experian is basically making it an obligation for me to pay on adebt without my direct consent. I, XXXX XXXX, the consumer never gave Experian any written consent to report anything on my consumer report. No consent is Identity Theft. I sent a dispute letter on XX/XX/2022 explaining this and Experian still decided to keep the items listed in my dispute letter on my credit report.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (SC)

I sent this collection agency SEVERAL validations of debt letters, that required a contract with MY SIGNATURE. They just keep sending a bill with an amount as verification. I have also sent several disputes letter to credit bureaus for the credit bureau to make the Collection Agency adhere to the FCRA, but I am not getting the correct response from the collection agency nor the credit bureaus.
Consumer complaint received 2022-10-11
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. (NY)

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 very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-10
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)

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

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX # XXXX, has violated my rights. 

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

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

15 U.S.C 1681 C. ( 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.

14 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-10
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. (CA)

I have filed a dispute with Experian multiple times in regards to XXXX XXXX and XXXX incorrect on my credit report. I paid XXXX off the loan was XXXX I paid them over XXXX The loan was illegal in CA and Experian is blowing this off. I am not paying anymore to these fraudsters XXXX and XXXX or XXXX who is now out of business due to their 138 % percent interest rate loans being illegal. These negative items need to be removed from my credit report ASAP as Experian is taking 3 days to dispute then stating valid. Both XXXX and XXXX removed XXXX and XXXX me from my report 2 years ago and Experian has done a poor job of protecting me. I refuse to pay something I do not owe, let alone something so illegal. This company XXXX has nothing about this and XXXX is defunct.
Consumer complaint received 2015-10-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MD)

My loan was sold several times after the purchase of my home and was with Loan Care ( myloancare.com, XXXX ) before supposedly being transferred to XXXX XXXX XXXX XXXX, XXXX ). I make all my payments via the XXXX XXXX website and when I needed to contact the company in regards to the servicing of my loan I was unable to enter my phone number or loan number into the automated system without being told it was n't valid. 

Once speaking to a rep with the company I was told that my loan is not with them or in their system because it 's with Loan Care ( a sub-servicer of XXXX ). They gave me the phone number for Loan Care and said to contact them. I contacted Loan Care and can not even get through to a representative because neither my social or my loan number is being recognized with the automated system. The system says to call back when I have a valid loan number or social and hangs up. 

Why would Loan Care tell me my loan was with XXXX XXXX and how am I making my payments on XXXX website if neither company is able to recognize my information for me to discuss my loan with anyone?
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IA)

XXXX XXXX XXXX and Equifax are reporting incorrectly on credit report. reporting account open XX/XX/XXXX by XXXX XXXX while XXXX and Equifax report account open XX/XX/XXXX with a balance of {$490.00}. Account is reporting date of last payment by XXXX XXXX and XXXX as XX/XX/XXXX while Equifax is reporting date of last payment as XX/XX/XXXX of XXXX. Now, payment history is reporting consecutive charge off by XXXX while OK as agreed from XX/XX/XXXX all the way to XX/XX/XXXX by Equifax and XXXX reports no data on payment history. Data reported on date of last payment makes no sense with payment history definitely a huge mistake. Account is reported as a derogatory account status with a payment status of collection charge off it is not possible that account can be derogatory and collection if payment history is reporting payments done up to XX/XX/XXXX. I have tried to dispute this account with all three bureaus and I have not seen any change whatsoever on credit report nor have I received any sorts of documents by Credit bureaus reporting that my dispute has gone through. Im not sure at this point if my letter has been ignored or if my letters have not reach their destination.
Consumer complaint received 2019-07-31
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. (FL)

I wrote to Equifax on more than one occasion Re : Account numbers : XXXX reported 4 times on my credit report XXXX reported 2 times XXXX reported once These accounts are reporting on my credit report all these times without even a name or a Creditor and reporting as Collections on my credit report. I have been sending letters to Equifax to remove these incomplete and illegal negatives from my credit report since XX/XX/2019 and I have not received a favorable response from them or seen any improvement on my credit report.