davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-23
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. (CA)

My compliant is against all 3 Credit bureaus, XXXX, XXXX and Equifax. They are all reporting 4 accounts that had fraud charges. The accounts are the following : XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00}, XXXX XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00} XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance {$0.00}. XXXX XXXX Account : XXXX date open : XX/XX/XXXX, balance {$0.00}. All of these accounts were victim of fraud charges therefore they incur to late payments. Send the required notice to all businesses that supplied this information. The FACRA requires you to block the fraudulent information from my credit report resulting from FRADULENT CHARGES within 4 business days and to promptly notify the business that sent you that information. I already tried contacting the companies individually but had no positive answer. I have enclosed a copy of my Identity Theft Report, please send me a letter after you have Removed this information from my credit report and sent notice to the businesses involved.
Consumer complaint received 2018-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TX)

I am requesting verification of the account from XXXX, account # XXXX on my Experian report. Experian has been reporting a balance that is owed. I have paid the balance of in full. In Result of paying my balance of in full I have received the Congratulation letter dated XX/XX/XXXX and I have also received a free and clear Title for the vehicle ( Please see attachment # 1 and # 2 ). I have also disputed this account several times with Experian and with XXXX. I have attached all letters with certified copies.

I spoke with XXXX from Experian on XX/XX/XXXX and  XX/XX/XXXX. On XX/XX/XXXX, He stated XXXX has verified the information as accurate. On XX/XX/XXXX at XXXX we got a Rep on the phone from XXXX and she stated she will send me the information I requested which was a payment declined or Bounce check. I am sure I paid my balance off in full. But no one is able to provide me with, why I have a balance. The Rep from XXXX did mail a typed letter stating my balance, ( attachment # 3 ) but does not show any type of payment history where the payment was not successfully. I spoke with XXXX   on XX/XX/XXXX and stated No updated information were reported from XXXX. I have attached all documents for you guys to review and come to an agreement to remove to negative Account off my Experian Report. If you have any question please contact me at XXXX or t the above address.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Security Credit Services, LLC (MD)

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to SECURITY CREDIT SERVIC. In my credit report from XX/XX/2023, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

XXXX XXXX has an amount of {$2300.00} on my credit report with the original creditor being XXXX. 

I initially made XXXX aware I had no knowledge of this account and let them know that I was on SSI XXXX and unable to even attempt to pay just to get it off my credit report. 

Then around after XX/XX/2019 I began receiving letters from XXXX XXXX ( at an older address of XXXX XXXX XXXX XXXX NY XXXX ) stating that I owe the amount of {$2300.00}. I responded one time via mail declaring all that I just said here. 

Clearly that letter fell on deaf ears as I received 2 letters since ( to hew address of XXXX XXXX XXXX XXXX XXXX NY XXXX ) as well as MANY phone calls ranging from XXXX to XXXX with blank or static noise filled voicemails. I feel harassed and intimidated by this company. 

Unfortunately, due to the financial difficulties I have being on SSI XXXX I can not do much so I am coming to you for help. All I would kindly like done is for this company to remove this so called debt, information and remarks and from my credit report and I will remove complaints I've filed with other agencies.
Consumer complaint received 2021-02-18
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. (CA)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2019-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (WA)

We made a final payment to XXXX XXXX XXXX on XX/XX/XXXX and settled the debt owed to a hospital from an emergency room visit. 
On XX/XX/XXXX another collection agency, Wakefield and Associates, Inc, sent a letter attempting to collect that same debt that was already paid. Wakefield was contacted by us and they were asked for details about the debt they were attempting to collect. Once the interest that Wakefield was charging us had been subtracted it was found the details for that debt matched the debt already settled with XXXX XXXX XXXX. Both agencies, as well as our own copy of an original hospital bill have an original balance of {$290.00} and the date of service as XX/XX/XXXX. On XX/XX/XXXX a letter of dispute was sent to Wakefield and on XX/XX/XXXX a paid in full notice from XXXX XXXX XXXX was sent to them. Wakefield has again contacted us on XX/XX/XXXX attempting to collect a debt that has been paid in full.
Consumer complaint received 2019-04-22
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: First Associates Loan Servicing LLC (OR)

My name is XXXX XXXX DOB XX/XX/XXXX My SSN : XXXX I have applied for federal loan forgiveness through with " borrowers defense to repayment ''. Ive sent in 3 applications since late XX/XX/XXXX, most recent submission made was within the last 30 days (XX/XX/XXXX ). Ive had no communication regarding my filed application other than confirming it was received. From what I can tell, the application has seen no movement. 
I have enrolled in an Income-based repayment plan for my federal loans. XXXX XXXX employed high pressure recruitment and sales tactics. They misrepresented graduation success, job placement rates and salary figures that were misleading. I went to school there and was taught outdated material. They said I would be getting a better education for a better price than if I went to a state college or university. I now sit here with a poverty wage job and {$74000.00} in debt. There have been lawsuits against XXXX ( whom declared bankruptcy after losing federal financial aid funding in XX/XX/XXXX ) in regards to predatory and deceptive behavior. I have been defrauded by XXXX XXXX XXXX. I worked hard every day I went to that college and no one was interested in hiring me. Most jobs that were sent from the career services department at the college were entry level technical support jobs that offered XXXX XXXX  an hour. They hardly spent any real time helping students. All they wanted to do was put me on their email blast mailing list for jobs. 
There has been several cases involving XXXX XXXX XXXX including a class action lawsuit that was settled in favor of the student borrowers behalf. In some of the supporting documents I have pertaining to this complaint. In sperate lawsuit, the PEAKs loans have been referred to as " akin '' to the " sub-prime mortgage loans '' in the XX/XX/XXXX financial crisis. I seek forgiveness from this debt. I believe XXXX XXXX XXXX must be held liable for the financial ruin they have brought to not only myself, other Oregonians and students around the nation. presently I am sending nearly half my monthly income to pay towards these loans. I can only afford to do minimum payments. If I dont miss any payment or go into default I may be forgiven from my loans over the course of a few decades. 
I have 2 loan servicers 1st Associates  ( Phone : ( XXXX ) XXXX Mail : XXXX XXXX XXXX XXXX XXXX, CA XXXX ) account # : XXXX and account # : XXXX ( private loans ) XXXX  ( Federal loan Phone # : XXXX ) ( Private loans phone # : XXXX ) Monday Thursday XXXX XXXX XXXX XXXX and Friday XXXX XXXX XXXX XXXX   ET account # : XXXX ( for all XXXX managed loans ) I have filed this complaint under the private loan flied, though I have taken out both public and private loans to attend this shoddy college. 
I implore you to contact me so I can furnish some of the documents regarding XXXX XXXX XXXX and additional supplemental information. I can send those files.
Consumer complaint received 2023-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit International Corporation (AR)

Received email stating I owed money to XXXX XXXX for services never rendered. Tried to clear it up but was never sent statement of services owed so knew this was a scam. They then sent this to Credit International Corp in XXXX XXXX. They contacted me about payment and I also ask for statement of services. Again was never sent this. They reported to XXXX and caused my credit score to go down 100+ points. I reported them to the Arkansas Attorney General and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me that Credit International was not a registered company in Arkansas and they contacted them and were sent to a fake website therefore that raised red flags to them that this is a SCAM.
Consumer complaint received 2023-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rauch-Milliken International, Inc. (KY)

Theyve harassed me through email and Ive responded with a inquiry for a verification of debt letter which they can not seem to validate or come up with. They keep threatening with legal action but WILL NOT provide any proof of debt.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the CONSUMER. I have the right to make sure my private information isn't shared, which 15 USC 6801 backs that, and it states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a financial institutions by definition under that title. 15 USC 1681, Section 604a, Section 2, states that " In general, subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  the financial institutions, and consumer reporting agencies XXXX and XXXX do not have my written consent. Any and all consents to XXXX, XXXX, I XXXX XXXX and XXXX XXXX XXXX whether verbal, non-verbal, written, implied, or otherwise, are revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option., XXXX XXXX  XXXX and XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes that antedate the report by more than seven years. '' This account is an adverse item ; they are reporting again without my permission, which is against the law. 15 U.S Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of Section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under Section 1681b of this title. '' Transunion, XXXX and XXXX are not maintaining responsible procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out anytime. '' I am opting out of your reporting services. ''
Consumer complaint received 2019-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (KY)

Phoenix financial service acct # XXXX is trying to collect a debt on an ambulance bill. I was asking for more information like an original bill and for a breakdown of the charges. After I wrote them a letter on XX/XX/2019 asking for information, they reported me to the credit bureau on XX/XX/2019 which brought down my credit score. I feel like this is retaliation and plus the last time I was in an ambulance, I had Obamacare. Can I get a copy of the original billed with a breakdown of charges mailed to me? Thank you.
Consumer complaint received 2019-04-22
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. (CA)

three student loans ( dept of edu XXXX ) and one ( XXXX XXXX XXXX ) are reporting under my equifax credit reporting agency, these are inaccurate and fraud accounts, please find attached my police report that i have inquired for being a victim of ID theft, these are not my accounts, please have equifax remove these inaccuracies since i have been disputing with them for the longest time, then these were removed and placed back after three or four months, they aren't even sure what they are doing, i have called so many times they know me already, but no one can solve my problem please you are my last hope since you are the voice of consumer thank you for your cooperation
Consumer complaint received 2022-11-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I received my investigation back from Transunion, which states you completed a fair investigation and these accounts are 100 % accurate. 

Can you please answer this one question? How did you investigate these accounts?

Because according to the Fair Credit Reporting Act 15 U.S. Code 1681a this is how you're supposed to INVESTIGATE MY CONSUMER REPORT.

Did you interview my neighbors? Did you interview my family and friends?

Who did you speak with ( Names, dates of contact ( s ) ) One more thing can you please tell me how everything is 100 % accurate if the date open, date last active and date last reported on these accounts are not reporting the same information, also Transunion DID NOT send me ANY documents or paperwork showing these accounts are 100 % accurate. 

Transunion has violated multiple laws ( listed below ) 15 U.S.C. Code 1681, 15 U.S.C. Code 1681a & 15 U.S.C.Code 1681i I demand you delete these accounts from my credit report, I have listed below : Account Name : XXXX Bank Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : Bank of XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Funding Account Number : XXXX Delete these accounts immediately or you will be held responsible for {$1000.00} per violation. 

Send me an updated credit report with these accounts permanently deleted.
Consumer complaint received 2018-11-27
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. (AZ)

Credit Bureaus verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the account XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings (TX)

The debt collector didnt provide me with information about the debt, including the amount owed and to whom it was owed.I did not receive any written notification nor was I afforded the opportunity to request validation of the debt. All I received was a text message on XX/XX/29 notifying me that Zion Debt Holdings would report the debit to the credit bureaus if I didnt pay by XXXX.
Consumer complaint received 2018-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Springer Collections Inc. (TX)

I have disputed thru credit agency and the company. This debt states for an apartment in Minnesota at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MNXXXX I lived in another apartment not XXXX XXXX This belongs to someone else.. 
Please remove this debt off of me and my credit report
Consumer complaint received 2023-09-06
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA (FL)

When reviewing my credit report from XXXX XXXX I saw an account for a car lease from Hyundai Motor Financing that I did NOT open. I called the company and asked them to confirm if it was opened using my social security number and they confirmed. I created a case and send them by mail a letter with supporting information to remove that account from my records. 
The company has the account under a similar name but the middle name is different, this information I got it from the automated phone system when I called to inquire about the case I called the company twice asking for additional information but they have denied giving me more information because they said that's their policy when the account is under investigation. 
The account is still under my name, and the company hasn't reached out to me
Consumer complaint received 2019-04-23
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. (FL)

I contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation. Accounts appear to be fraud related.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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 XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b and a serious breach of my privacy rights. 

Please validate this information with these. Companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-07-06
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. (NC)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$350.00} ; XXXXXXXX XXXX  XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX  XXXX : {$800.00} ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX  ( XXXX : XXXX XXXXXXXX XXXX ) XXXX Balance : {$750.00} ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.