davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

CAPITAL ONE AUTO FINANCE ACCOUNT # XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX Unfair and Deceptive Business Practices : XXXX   law Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) Remove this credit information from my report. This company made payment arrangement with me and at the same time maliciously contacted the repo company. The company then sold the car without allowing me to get my car back less than the amount of the remaining on the car. It was XX/XX/XXXX brand new purchased by me in XX/XX/XXXX. Capital one then decided to come after me for the {$7700.00}. I wrote them and I was asked to settle for {$990.00}. The bill of {$7700.00} was not mine. Capital One Auto should have sold the car for the amount that will not left a balance. Asking me to pay {$7700.00} after maliciously taking my car and left me with no car that made me to lose my job because I could not get to my job on time without a car. The {$7700.00} was placed in my credit reports as if the car has not been repossessed.
Consumer complaint received 2017-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Collection Information Bureau , Inc . XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me -Signatures on applications and accounts -Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX
Consumer complaint received 2018-05-08
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)

I have been dealing with this issue with Equifax since XX/XX/2017. Equifax refuses to delete and remove these fraudulent accounts from my credit report. I have sent police reports and filed several disputes with Equifax. Equifax is breaking the law by not thoroughly investigating and deleting these fraudulent accounts. Equifax uses XXXX system to investigate these issues and they are not contacting these creditors. I did not open any of the following accounts below. Please delete and remove within four days : 1. XXXX Account # : XXXX 2.  XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

in accordance with the fair credit reporting act. the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXXXXXX 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 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 item of adverse item of information, other than records of convictions of crimes wich antedates 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 2022-03-12
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. (OH)

I pulled my credit report recently and noticed that all of my accounts that had been included in the bankruptcy were still listed on my report and that I had addresses that were unknown to me on there no current information was listed on there such as employment and they are releasing medical information with third party companies that I am unaware of. It also has no employment information on my account as well and I work a job at XXXX XXXX  all the other jobs are old information over 10 years ago. everything needs to be undated INACCURATE ITEMS : XXXX XXXX XXXXXXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX, XXXX all the accounts will be highlighted on credit report as well its XXXX that are listed in the bankruptcy and the report XXXX XXXX needs removed never done business with nor should they have my medical info. 
all hard inquires removed except for the two open accounts
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC (SC)

I have contacted and disputed bank accounts with XXXX XXXX and some other banks that were opened fraudulently in my name and SSN. I was already contacted by a mysterious email from XXXX XXXX stating that I could be in a class action lawsuit regarding people opening up bank accounts fraudulently in others names and SSNs. 

I have never did any business with XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX XXXX ( This bank is in Georgia!! ) I have never lived in Georgia. 

XXXX XXXX blocked the XXXX XXXX accounts but then they added them again about 2 weeks later. And they stated these accounts were verified. And I want detailed answers on how thorough this investigation was. I need to see signatures as well. I need names of who is verifying this information I sent them a sworn affidavit XX/XX/2018 and also I sent a filed police report in from the county that this happened in about two years ago apparently because I had seen an address on my credit report in XXXX County, which I have never resided either. 

This is a mess and I am going to have to contact every agency that exists including legal representation until this is resolved.
Consumer complaint received 2022-03-12
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)

3rd Request!! The following accounts do not belong to me I have sent multiple FTC reports Ive sent multiple dispute letters and they all keep coming back verify and I am not understanding how they are being verified no one showing me any proof Ive never done business with any of the following companies please investigate this properly because its fraudulent and per the FCRA if I stay as the consumer that its fraudulent the information should be blocked from my report. The following accounts 1. XXXX XXXX  {$6500.00} 2. XXXX XXXX XXXX {$750.00} XXXX XXXX {$600.00} Please see attached FTC report and identification
Consumer complaint received 2024-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC (MA)

In accordance with the Fair Credit Reporting act, one account on my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX ... ... has violated my rights to privacy and confidentiality. 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. XXXX IS BREAKING THE LAW. 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. These inaccuracies are stopping me from providing a home for my family.
Consumer complaint received 2022-03-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022, I sent a complaint about Transunion, because they were furnishing my information without my permission, which is illegal. They responded back to me with a stalling tactic on the XXXX of XXXX.
Consumer complaint received 2023-03-20
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. (CA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX on XX/XX/2022 XXXX
Consumer complaint received 2022-03-12
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: TRUIST FINANCIAL CORPORATION (FL)

For the last six months Ive sent that multiple FTC reports disputes to regional acceptance in reference to a debt that I do not owe. The debt is fraudulent. I do not assume responsibility for this day it is not my debt. Not sure of how it keeps coming back verified. I have requested something with my signature in my information which can not be provided because Ive never done business with this company Ive never entered into a sign written contract with this company I demand that this debt is removed from my credit report to date thank you.
Consumer complaint received 2022-03-12
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. (TN)

My privacy was breached by Transunion, XXXX, and XXXX. Under the exclusion section # B anything that was extended or authorized from a credit card should be excluded from my consumer report. A credit card was used to open the following accounts : DPT EDXXXX XXXX Transunion Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX Transunion Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX Transunion Account # XXXX, XXXX Account # XXXX XXXX Account XXXX XXXX, Transunion Account # XXXX, XXXX Account # XXXX! XXXX, XXXX Account XXXX XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX
Consumer complaint received 2018-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I am showing on my credit report that an account was opened up on XX/XX/2018 for XXXX XXXX that I owe {$370.00}. I did not open any account on XX/XX/2018 and I need to have this removed from my credit report. I believe this is yet another account that may have been opened fraudulently due to identity theft because my information was expose in a data breach from XXXX.
Consumer complaint received 2018-10-24
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One agreed to remove a hard pull Inquiry from XX/XX/2018. They said they would remove from my credit file as I never requested any additional cards or signed any documents asking them to pull my account.
Consumer complaint received 2018-10-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (PA)

They then sent me a notice to reduce the debt I didn.t answer them and they have harassed me and the fact they don.t have the oringinal debt because it came from another debt collector that goes back to XXXX XXXX XXXX who the debt is owed to and the fact I paid XXXX  XXXX XXXX XXXX Dollars they don.t mention that at all.The collection agency that tried to get this debt Three years ago was XXXX XXXX XXXX located XXXX XXXX XXXX XXXX, NY XXXX Phone Number is XXXX There is a federal law about trying to collect a cell phone debt they have two years to get it and then they can.t collect it so the company in mention are in fact breaking the law you need to step in on this.
Consumer complaint received 2022-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

I submitted my XX/XX/XXXX mortgage payment the overnight payment address at XXXX XXXX XXXX XXXX NJ XXXX was for {$2200.00} check number ( proof attached ) XXXX. 
XXXX delivered on XX/XX/XXXX ( proof attached ). I spoke to XXXX XXXX who stated it has not been received yet. 
The bank stated it was not cashed yet. 
I payed my XXXX monthly payment which they applied to XXXX and caused it to appear as though XXXX payment was not made. This is false. I contacted Ameri Home and a representative told me to email the research department at XXXX I did and called back in a week. This was XXXX XXXX. They stated Research did not have a phone number to speak to them directly. I continued to call and got a different answer each time. Some giving me a number that went back to customer service. By XXXX I spoke with a representative who told me I can not email this I had to fax the request to them. I faxed the request. On XX/XX/XXXX I received a letter stating the company determined the information was accurate. 
Regarding XXXX
Consumer complaint received 2022-03-12
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. (PA)

Experian has ignored my attepet to get help i cant login on the site and they ignore my letters i told them they are reporting the wrong info they rufuse to let me see report and they dont pick up when i call i have sent 11 lettters and still no repose from XXXX now it's XXXX now
Consumer complaint received 2018-10-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (TX)

This is a collections account showing up on my credit report and I did not apply for a payday loan from this company. It said that a loan was opened on XX/XX/2018 for {$860.00}, and I believe this may be the result of my sensitive information being breached from XXXX by hackers, who may have applied for a payday loan in my name. I have also gotten notice that my SSN has shown up on the dark web. This is not my account and therefore I would like it removed from my credit report.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Over the past several months I have requested that Experian provide proof of various issues i had reporting on my report. the latest report as of XX/XX/18 still states the mis-reported information as well as, a report from XX/XX/18, various mistakes in reporting are noted and pointed out and Experian updated the information that I had found wrong and then added to the time that it will remain, then inform me that unless i send a different letter that Experian will not look in to there mistakes. It is not fare no legal that due to there mis reporting and unable proof to provide the information i had requested for well over the allotted time needed. the accounts remain and more have been added. also various medical accounts appear as well and i know that is a HIPPA violation. I am not sure as to why nor understand the reasoning behind Experian unwillingness to admit there mistakes and remove the accounts and failed to accept my consumer complaint OR the INCORRECT ADDRESS was reported, EITHER a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. In the LEAST, this item is NOT REPORTED ACCURATELY Surely it is, as such it is unlawful and mandates assert the proper resolution is to eradicate the deceptive reporting so delete today, here and now please. Wrong address was displayed therefore the reporting is DEFICIENT of legal standing to report and to retain is unlawful and a dereliction of adequate mandatory certified compliant reporting of allegations of delinquent and or derogatory consumer information, TRUE or NOT! I DO NOT DISPUTE the reality of the account reported YET experian refuses to REMOVE the claim I dispute it. PLEASE EXTINGUISH the " DISPUTE '' remark OR present regulatory requisites that suggests a mandate to retain a dispute statement OUTSIDE the consumer 's CLAIM of NOT DISPUTING. What gives experian, exactly, the RIGHT to retain despite an absence of consumer dispute or an authorization from consumer to suggest it is in dispute? CERTIFY the nature of any CURRENT DISPUTE or else eradicate. It is UNLAWFUL for any entity in credit to be deceptive or unfair. CLEARLY this is experian misbehaving illegally and must act to remove a claim of Ail
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX ( XXXX ) has reported to the credit bureaus that my account is 30 days past due when it is not, nor has it ever been delinquent. I called the customer service number on my latest statement to speak with an agent who confirmed that my account was current. He could not figure it out and sought the help of a supervisor who could not figure out why I was reported delinquent to the bureaus either. 
I have attached the previous three months XXXX credit card statements for year 2017 : XXXX, XXXX, XXXX ; you will see that NONE indicate any past due amounts or fees. Additionally, I have attached the previous three bank statements showing the CFNA payment debits.
Thank you.