davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (NC)

I am a member of the South Carolina XXXX XXXX XXXX. Back in XX/XX/XXXXI transferred my apartment at XXXX XXXX XXXX to another student at XXXX XXXX University. Her father wrote a transfer fee check and I paid her first month 's rent. XXXX XXXX never cashed her father 's check because it was my responsibility to cover the transfer fee. I was never informed of this nor was I contacted by XXXX XXXX about this outstanding balance. However my distaste does not reside with them. 
I have been over seas on XXXX training for a month, XX/XX/XXXX -XX/XX/XXXX and then recently came back and moved to my new home in NC XX/XX/XXXX. After a week of being home I was contacted by Hunter Warfield,  XX/XX/XXXX, they were at first polite explaining the situation they had supposedly also contacted my mother. After speaking with my mother and then the apartment complex I had found out what had happened. 
This morning I was contacted again by Hunter Warfield at XXXX, XX/XX/XXXX, this time they were very agitated and begun to get quite rude with me. They told me they have been they have been trying to collect this debt that I had not heard of until a week ago and that they have been attempting to collect it over a month. Again I tried to calmly, but sternly, explain I have not been here for a month and I have been investigating the matter since they had contacted me. That is when they said they were going to charge me. I then asked what they were going to charge me with. They said they were going to charge me, and send this to a credit report agency. Then told me that they had taken my response as that I was not going to pay the {$300.00} debt. Once he stated this, he then proceeded to quickly hang up on me. 
Please understand I never said I would not pay the debt. I then called back the apartment complex to tell them my experience and they apologized greatly astonished by they lack of professionalism exhibited by Hunter Warfield. They then explained to me that since they themselves were never able to contact me ( since I was on a XXXX ) that they would be so kind to remove the debt from the collection agency. 
I have never been treated with such arrogant and ignorantly placed hostility when approached. I would have expected a greater amount of professionalism from a 'law firm ' trying to collect payment, cruelty and threats is not the way to accomplish any goal in business or law.
Consumer complaint received 2022-04-13
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. (TX)

In accordance with the Fair Credit Reporting act 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  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
Consumer complaint received 2022-04-13
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. (TX)

In accordance with the Fair Credit Reporting act 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 

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
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

My card was compromised and I reported the charges before the billing date and put a freeze on my card. I subsequently received the charges on or about XX/XX/year> to XX/XX/XXXX, XXXX It seems that someone used my card on a vacation in areas that I had not visited. My card number was used, but that card was in my possession. The card, Discover, re- issued with another account number. The amount of charges exceeded {$2000.00}. I tried to negotiate with several agents, instead they charged me with outrageous interest payments which I could not afford.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

1. I did a chargeback to Capital One to fight a charge from a merchant who refused to honor a contracted refund guarantee 2. The merchant wrote back to Capital One arguing that the charge was correct ( with bogus paperwork that said nothing about the contract they breached and actually proving I qualify for a refund plus 50 % of investment which would amount to {$10000.00} ) 3. I submitted evidence of the contract and highlighted how they breached it by refusing a refund 4. Capital One ignored it and put the charge back on my account!
Consumer complaint received 2022-04-13
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit
Consumer complaint received 2022-04-13
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNot authorized to run credit
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Prosper Marketplace, Inc. (CT)

This account was discharged in a bankruptcy on XX/XX/year> in the State of CT. I've contacted Prosper numerous times over the last few weeks to tell them but they continue sending me emails, messages and today I received a letter from them in the mail.
Consumer complaint received 2022-04-13
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 following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts 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 8. US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-13
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)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

On XX/XX/2022, I attempted to contact Medical Data Systems about a debt that they have reported to my credit. To date I have never received any correspondence from them in regards to any debt. I spoke with Medical Data Systems in XXXX of 2022 and they illegally threatened to report my debt to the collection agency for negative impact unless I paid. I asked for further information about bills that they held and they gave me incorrect information, stating I owed {$270.00} to XXXX. I called XXXX XXXX and confirmed no debt was owed. On XX/XX/XXXX, they claimed that I owed {$270.00} to XXXX XXXX XXXX  XXXX XXXX  XXXX and when I called that office they do not have me as a patient nor any account under my name. I also requested information regarding any other debt that was not sent to me. 
Today when I spoke with Medical Data Systems, they refused to provide me details about the debt regarding what was the original bill information. Legally it is my right to the following information : If the debt is medical debt, the notice must also state : Your right to request the original account number assigned to the debt. Your right to request the date of your last payment. Your right to request an itemized statement that gives you all of these : the name and address of the medical creditor, the dates of service, the services the provider claims it provided you, the amount of principal owed on the debt, any adjustment to the bill, the amount of any payments received from you or anyone else, any interest or fees, and if you were found eligible for XXXX XXXX and if XXXX XXXX payments were applied to the debt When I requested the original account number assigned to the debt, the collector said it was not provided to her. When I asked to confirm that she was not able to provide me with the original account number, she denied this but continued to say that she could not provide it. She was only able to provide me with the amount, date of service and doctors. She directed me to call my insurance for more information. When I asked her to again to confirm that she could not provide the information legally required for debt collection, she let me know she was ending the call and hung up on me.
Consumer complaint received 2021-08-26
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. (CA)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-08-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

In XXXX I sent a letter to each major credit reporting agency ( Equifax, XXXX, XXXX  ). Under FCRA 611 ( a ) ( 7 ) I sent a request to be supplied with all of the information used to investigate my dispute of several inaccurate accounts on my credit reports. I was not supplied with sufficient information and the inaccurate accounts should be immediately DELETED from each of my credit reports.
Consumer complaint received 2022-04-13
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)

Account # 1 : XXXX XXXX XXXX  Account # XXXX Account # 2 : XXXX XXXX XXXX Account # XXXX They are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.
Consumer complaint received 2022-04-10
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)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX RXXXX XXXXG ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2022-04-13
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. (CA)

Sent countless letters to Transunion regarding multiple debts on my credit report for correction and or proof item is mine ; Transunion never sent me anything and I believe an investigation was never performed. It also took Transunion more than 30 days to return anything and when they did it was just an update via email more than 30 days stating the information is correct when it is not.
Consumer complaint received 2022-10-15
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. (GA)

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 XXXXXXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXXXXXX XXXX : XXXX, XXXX XXXX : XXXX, DEPTEDXXXX  : XXXX, US DEP ED : XXXX, USDOEXXXX : XXXX, US DEP ED : XXXX , US DEP ED : 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 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 2019-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc. (OH)

Hi - I have requested the Method of Verification & Validation of debt from the United Collection Bure account # XXXX. I have not received an response in over 30 days. However, they have placed this information on my credit report. 

Per the FCRA, I have the right to request a description of the procedure used to determine the accuracy and completeness of the information.
Consumer complaint received 2022-04-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (GA)

I was originally requested by my former partner, XXXX XXXX, to be a co-sign for a loan on a used XXXX XXXXXXXX XXXX XXXXXXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I never went to the dealership, the deal was made between XXXX XXXX and the salesman, XXXX XXXX ( still employed there ). XXXX XXXX knew the truck was for XXXX XXXX and I was, in no way, going to be in possession or driving the vehicle. Mid-way through their dealings, I received a phone call, requesting my ID information for credit check and told it would be " better '' if the truck were in my name, solely. I advised I was requested to be a cosign on the loan, and that was my intention. A few hours later, XXXX XXXX and XXXX XXXX returned to my home ( in a different county ) with purchase paperwork, asking for my signature on all documents. XXXX XXXX was already in possession of the vehicle. The sale was complete as vehicle sale to me, solely. The financing was completed through GM Financial, and represented as a purchase by me and that the vehicle would be in my possession. XXXX XXXX had been making the payments on the truck up until about 30 days ago He has since refused to continue making payments. He is also blocking my attempts to recover the vehicle. However, as I have researched avenues to address this matter, it has been brought to my attention that this was a " straw purchase ''. The sale was fraudulently made by the dealership, knowing I was not to be the owner or driver of the vehicle. It was further misrepresented to GM Financial, who did not do their due diligence, either. Last, but not least, the sale was completed off-site from the dealership, at my residence, which was in a different county than the dealership was located.
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NJ)

On XX/XX/2022 I asked Aragon Agency inc. to send me the trilateral agreement I had with them. They said they didnt have one. I am reuqesting I be sent trilateral agreement I have to do business with Aragon Agency.
Consumer complaint received 2022-04-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Paramount GR Holdings, LLC (NM)

There was fraud on my account when good leap and XXXX XXXX fraudulently put solar panels on my home. XXXX has taken the panels off but good leap will not call me, my relator, nor the title Company back. They would never even give me the loan amount and now is holding up the sale of the home. The home was to be sold on Friday and they wont release the lean or give me any information on my account.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX. 
XXXX, NJ XXXX
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I know according to the FCRA i have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can they verify if the furnisher could not? What information did they use to verify the account? The law is very clear on this issue, if it is unverifiable, then it must be deleted. Please delete these accounts from my credit reports since they were not properly verified and the furnisher could not provide sufficient proof to prove their reporting. XXXX XXXX / XXXX : Account number : XXXX, Date Last Active : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : Account number : XXXX, Date Last Active is different on each bureau : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : is not uniform on each bureau : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX Also, I have placed a Freeze on my XXXX and XXXX accounts and this info might have been shared. But according to 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.