davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (IN)

I filed for Chapter XXXX bankruptcy PRO SE back in XX/XX/XXXX and listed my apartment complex as a creditor with an unexpired lease on my schedules. Throughout the bk proceedings, I still lived there and paid my rent. My bk was discharged in XXXX and closed in XX/XX/XXXX. My lease ended XX/XX/XXXX and they are trying to collect about {$800.00} in move out fees for worn carpet through a collection agency. They sent it to collections the day AFTER my lease ended without contacting me. My question is, since they were listed on my schedules when I filed, can they collect any amount from me even though my lease ended after my bk was discharged? I had a similar situation with my vehicle lease where when I filed, my lease was still active and didnt officially terminate until AFTER my bk closed. Even though I knew I would have owed the finance company money for going over my lease miles ( est. around {$4000.00} over ), they wrote it off as included in bk and never attempted to collect. If it turns out the apartment complex cant collect, do I need to hire an attorney just to tell them they cant collect from me? I think theyre doing this just because I didnt have an atty.
Consumer complaint received 2018-05-01
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: Experian Information Solutions Inc. (TN)

Old Case # XXXX No one can validate this XXXX 's account - no signatures, no ID 's, not tracking numbers, no. They are supposed to keep these on file, but instead the only sent me unsigned receipts for purchases in the state of Florida. That is not validation! They are also reporting the account late and with a balance. How can this be legal.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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.
Consumer complaint received 2018-12-13
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: Experian Information Solutions Inc. (TX)

( XXXX XXXX XXXX XXXX that starts with XXXX ) I requested for the credit bureau to Please validate information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. In response they stated the company that reported the information has certified to that the information is accurate. IM REQUESTING TO SEE THE CERTIFIED INFORMATION THAT WAS RECEIVED BY THE CREDIT BUREAU, IN ADDITION, THE i Method of Verification. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2018-05-01
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: TOYOTA MOTOR CREDIT CORPORATION (FL)

Before, I got my car loan with XXXX XXXX XXXX XXXX, I went to XXXX Dealership, XXXX check to see if they could give me a loan and all these other companies was on my credit report, I want them off!!! Thank you
Consumer complaint received 2018-05-01
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. (TN)

XXXX does not respond to any request for validation of debt so XXXX and XXXX removed. But ... .for some reason Experian can not provide this information either but reports every month as as late payment, and paste due account. Unbelievable! Account is showing it was laste in 2011 is the kicker - 7 years ago. Hopefully CFPB and get ahold of Experian and find why the XXXX this has not been removed as no one can provide any validation of what this debt is and I have provided my SSN Card and ID.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mitsubishi Motors North America, Inc. (IL)

I filed bankruptcy and it was discharged 7 months ago. I reaffirmed on my loan with XXXX ( XXXX XXXX XXXX XXXX ). I have made payments the entire time along with their website showing payments continued from XX/XX/17 to current. I went to trade the car in yesterday and the dealer said all the bureaus are not showing that I'm making car payments on the loan in any of the car part of the bureaus. It shows that the car was included in the BK. It needs to show payment history. This needs to be backdated to show I have been making payments. Since I have been working hard to rebuild my credit this is the only thing holding me back from making the trade yesterday that would have paid XXXX off and made me non upside down. Great way to help me get back on track. All that hard work thrown out because someone is not reporting accurately.
Consumer complaint received 2018-05-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BARCLAYS BANK DELAWARE (TN)

One rep says they made a mistake and will remove the account - now another rep says that I owe this valid debt from 2011 and want the payment in full ( somehow went from {$300.00} to $ XXXX ). No one help 's at Barclay 's and they are trashing my good credit by reporting the account late 90+days every month!
Consumer complaint received 2018-05-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: STIFEL FINANCIAL CORP. (MO)

We closed on our mortgage with XXXXXXXX XXXX  XXXX XXXX, and immediately we started receiving dozens of notices each week trying to trick us into completing a credit life product application. The notices come in red or pink to make it look as if we have missed something with our loan and are marked " Urgent! ", but this all began before the first payment was even to begin. We contacted the mortgage customer service department, even speaking with a supervisor who tried making excuses about the products being sent to us. We took ourselves opted out of prescreening long ago so we no longer receive these type of offers, and eventually the supervisor admitted it was Stifel who provided our information to third parties to solicit credit life products. She then assured us that we would no longer receive the offers as she would remove us from the list, but several weeks later we are still receiving dozens of offers every week. Our loan isn't even with Stifel anymore ( transferred before the first payment was even due ), and we are still receiving dozens of offers every week regarding our Stifel loan ( which we don't even have anymore ). This is absolutely not anything we ever signed up for ; just because we closed on a home does not mean we want the details of our mortgage shared with third parties. And the way the solicitations come is probably barely legal as it's difficult to identify the purpose of the " urgent notice ''.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (MN)

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. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law.. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ....
Consumer complaint received 2018-05-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc. (TN)

One rep says they made a mistake and will remove the account - now another rep says that I owe this valid debt from 2011 and want the payment in full ( somehow went from {$300.00} to $ XXXX ). No one help 's at XXXX 's and they are trashing my good credit by reporting the account late 90+days every month!
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (GA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Dear Credit Bureau, I am pretty much at my wits end here. Your job is to ensure that the information on my credit report is accurate and reporting correctly! That is the law! I know my rights and the FCRA is a law that the government put in place to ensure that you do the right thing when it comes to my credit report. 
You have blatantly ignored that! 
I am demanding that the following accounts ) be removed from my credit report immediately. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comments : Placed for collections. 

XXXX XXXX XXXX $ XXXX Comments : Account information disputed by consumer, meets FCRA requirements I am requesting that a full credit report showing these deletions be sent to me after the investigation has been completed. 
Regards, XXXX XXXX
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (NC)

I have asked repeatedly that the company remove my name from the debt collection as I was not included in the contract. The contract was made by my mother and I am not part of the binding contract. I did not in anyway authorize the use of my name or information.
Consumer complaint received 2018-05-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

The Equifax data breach has not been addressed. My social secuirity number and other personal information is currently held by an unlawful organization and this puts my security at risk. It is unacceptable that there has not been a coordinated response by the US government.
Consumer complaint received 2021-09-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: USCB, Inc. (CA)

USCB AMERICA is sending letter stating that I owe a debt that is not validated. Without any valid proof of contract. Which is in Violation of 15 USC 1692b ( 2 ). 

USCB AMERICA is threatening to submit negative report to the credit reporting agencies, which is a threat to take an action that can not be legally taken. Which is a Violation of 15 USC 1692e ( 5 ) USCB AMERICA is willfully using threats to harm my reputation by threatening to submit negative report to the credit reporting agency. Which is in Violation of 15 USC 1692d ( 1 ) On multiple counts USCB AMERICA violates 15 usc 1692b ( 5 ) by willfully including logos/symbols and other language in the content of the communication
Consumer complaint received 2020-07-26
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. (AR)

On XX/XX/2020 I mailed out a letter to Transunion Consumer Reporting Agency in regards to several accounts that never belonged to me that I noticed on my credit report. It has not been over 60 days I haven't received any correspondence from Transunion since my initial dispute. My dispute included accounts XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX. My identity theft report # XXXX was clearly documented outlining specific details regarding my dispute. Since the mail was not returned to me I can only assume Transunion has failed to abide by the Fair Credit Reporting Act by not responding within 30 Days of my initial dispute. Instead of responding to this complaint by saying they will initiate a dispute, Transunion must comply by removing the accounts in question that are mentioned above from my credit report. This is the law and there should not be any exceptions.
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I am a victim of identity theft. XXXX XXXX XXXX, a debt collector, is attempting to collect a debt for an apartment lease executed in my name without my knowledge. I directly contacted the debt collector via certified mail in XXXX. The debt collector did not respond. I then filed a complaint against the debt collector with the CFPB on XX/XX/2018 - complaint XXXX. I included a copy of the police report as well as my full name, social security number and DOB in the CFPB complaint. I instructed the debt collector in the CFPB complaint to stop contacting me via phone and to only contact me in writing. The debt collector has continued to attempt to reach me via phone and has never mailed me anything. The debt collector responded to the CFPB complaint asking me to call them and telling me they could not locate my account, even with all the information included in the complaint. The CFPB can verify this by looking at the closed complaint. I now have an address in XXXX XXXX being reported on my credit report that I have never been associated with. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Other creditors may be opening accounts in my name without my knowledge and using this fraudulent address to send mail to. I have contacted the apartment complex in XXXX XXXX that XXXX XXXX XXXX has reported as a valid address on my credit profile and have received a letter from the apartment complex confirming I do not live at this address nor have I ever. I have also updated my Affidavit of Identity theft through the FTC and have attached a copy of that to this dispute. I contacted the credit bureaus via phone to inform them that I have this letter from the apartment complex saying I never lived there and was not able to upload it as neither upload site was working correctly. This letter from the apartment complex is signed, dated and includes contact information. The credit bureaus give me a pre-prepared response saying they are opening a dispute on my behalf and that they are contacting XXXX XXXX XXXX to verify the information. XXXX XXXX XXXX has already proven that they are not following the Fair Credit Reporting Act and the evidence of that is in the CFPB portal.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

upon making a complaint to CFPD on XX/XX/2021 about TranUnion sending inaccurate to several monitoring companies. TransUnion Deleted All but one account on my credit report. I have enclosed documented proof of from the monitoring companies XXXX, XXXX, XXXX XXXX, XXXX XXXX.However on my current TranUnion credit report i have sevveral open accounts. I spoke to a TransUnion about this violation on XX/XX/2021. The agent state they have technical issue and may take 1 or 2 weeks.This continued violation of the FCRA is causing financial difficulty getting financing.
Consumer complaint received 2018-12-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO. (SC)

XXXX XXXX claimed I owed one last payment on my lease which was up in XXXX of this year. I had disputed the claim, asking for proof of which payment was missed. I was then sent a letter by XXXX ( Debt collector ) which I received XX/XX/XXXX. I called them XX/XX/XXXX. At which time they asked me to pay the debt, even though I disputed it and requested the proof of owing it. They told me I had to call Ford for that. I did and was put through to their collections. They told me that XXXX was told to suspend collection activities on XX/XX/XXXX due to account review. I called XXXX back and told them what Ford told me. I was told that Ford doesn't make mistakes and she asked me how I wanted to pay off the debt. When I insisted that Ford suspended collection activities the week before she acknowledged it and I was told to call back when Ford adjusts the account. My complaint is that they tried to collect a debt after they were told to suspend activities.
Consumer complaint received 2020-07-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FC HoldCo LLC (FL)

Because of COVID, and my job being 100 % Commission, I fell behind 2 payments, but was in contact with Flagship the entire time. They assured me that due to COVID, it would not effect my credit. I paid the car off and my credit score dropped 100 points. When I called Flagship, they assured me it would take care of itself the next month ... .IT DID NOT. I would like my credit score fixed, please, and this taken care of. 
Thank you, XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that " '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Inquiries that are being challenged 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 Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX