davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-05
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. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2019-08-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC (TX)

I recieved a notice in the mail that Cascade Capital LLC. has sold an account that is in my name, to XXXX XXXX XXXX. I never recieved a letter stating that the account held in my name, was being sold. 
I have asked XXXX XXXX XXXX to VALIDATE the information. They said that the will reach out to the ORIGINAL CREDITOR. All I recieved was an itemized statement at the beginning. I then asked them to validate, I have recieved another statement but this one seems to have some medical procedures on on it. 
I have called XXXX XXXX XXXX and spoke to a person named, XXXX, asked them if they have the HIPPA Realease Form to share this information to a 3rd party. XXXX stated that they are still acquiring that information from Cascade Capital LLC. 
I feel like my HIPPA laws may have been violated and if they have the correct paper work, I should be provided with proof. 
I will attach the files/statement that was sent to me by XXXX XXXX XXXX that they recieved from Cascade Capital LLC. but I will cover up the area were it seems that medical procedures were done for caution.
Consumer complaint received 2019-08-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (FL)

I had a vehicle that was charged off on or around XXXX of XXXX by GMAC. This debt was sold or obtained to Ally Bank at some point. They are stating that the debt was last past due on XXXX of XXXX which is almost 4 years after the occurrence. I have reached out to them several times and seem to not see the error. Re-aging of consumer debt is a crime and is negatively affecting my credit.
Consumer complaint received 2020-12-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IN)

Today XX/XX/XXXX  Sunday started calling at XXXX, again at XXXX again at XXXX. This happens every Sunday once an hour up to XXXX XXXX. Also, other days of week 3-4 times a day. Then they also send emails.
Consumer complaint received 2018-10-11
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. (TX)

I have disputed the late payments on this XXXX XXXX XXXX account for months. Experian  and XXXX reported this error.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Bankruptcy on my credit report not verified as required under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

Received an email from Equifax advising a new bankruptcy was being reported on my account and my credit score dropped XXXX points this week. I have not filed bankruptcy since XX/XX/2009.
Consumer complaint received 2023-07-03
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. (CA)

Account name : XXXX XXXX XXXX XXXX Account name : XXXX -Account name : XXXX XXXX- Account name : 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 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 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 2022-06-10
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. (PA)

Over the last year I have been getting notifications of hard inquiries on my credit report I reported to the businesses and the credit bureau I did not authorize the inquiries stay signed up for fraud alert to help stop the fraudulent inquiries but somehow the acquirees I still being made and has not been taken off after a number of a text to remove the an accurate information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Recovery Services, LLC (OH)

Receivable recovery placed a account in my name that is not mine. I did not have this account and this account is not mine. I have never opened an account with XXXX XXXX. I never heard of a XXXX XXXX. This account was placed in my name fraudulently. It is listed a medical debt which is against the HIPAA laws to place on my credit profile and it needs to removed because it is a violation of HIPAA laws plus it isn't my account.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I looked at my report and i noticed there is innacurate information that is affecting my credit record, therefore I sent a letter to Experian on day XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX and XXXX XXXX, and here is my tracking number : XXXX On day XX/XX/XXXX EXPERIAN received the letter and i haven't received any information from them. 

I looked at my report and noticed everything is still the same. 

and according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

Experian really Haven't done anything to help me
Consumer complaint received 2023-04-07
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)

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute several fraudulent items on my credit file. As a responsible and conscientious credit payer, it is extremely distressing to see my credit score damaged by fraudulent activities that I did not participate in. I am requesting the immediate removal of these fraudulent items from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) section 605b. It is my right as a consumer to have an accurate and fair credit report, and these fraudulent items are not only damaging to my credit score, but they are also completely untrue. I have already taken the necessary steps to rectify this situation, including filing an FTC report and notifying the relevant financial institutions. However, these fraudulent items still appear on my credit report, which is unacceptable ; 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 I must remind you that failure to remove these fraudulent items from my credit file will be considered a violation of the FCRA, and I will not hesitate to pursue legal action if necessary. I expect a prompt response from your office regarding this matter.
Consumer complaint received 2021-12-05
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. (PA)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-12-05
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. (PA)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2018-04-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc. (FL)

STATE COLLECTION SERVICE IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!. I believe it's also a violation of the HIPPA ACT by placing my medical information on a credit report!!
Consumer complaint received 2022-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-11-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (FL)

In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
Consumer complaint received 2018-04-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

I disputed 2 accounts with Experian on XX/XX/2018. I paid XXXX XXXX past due bal and they failed to report account from derogatory to current and actively still paying on the acct. XXXX XXXX never provided a statement showing where I owe the charge off. Acct says paid in full / {$190.00} written off Ive made payments on the account. I need a statement. These items with affect my report for 7 years. At least update the information. Please report last payment.
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC (CA)

I rented a car back in XX/XX/2021, in XXXX XXXX. from sixth ( i have been their clients for few years ). 
I got robbed and attacked, in street the people broke the rental car. I went to the police and got a police report. 
The rental company XXXX want to charge me for broken glass but i paid for insurance and damage and i provided them the police report etc. they didn't want to discuss anything. 
I am not responsible for paying that, they should have cover broken glass, and their agent didn't TOLD ME about that, he didn't say that i was not cover for broken glass. 
I purchased the insurance cover thinking it will cover everything by my understanding of what their employee said. 
I got XXXX and lost my suitcase full of my belonging and money. that situation is bad for me and I wasn't aware of my insurance coverage details. 
Now they hire a collection company, called : XXXX XXXX XXXX - XXXX XXXX and now i see on my credit report that I owe them that money, and that not acceptable. 
I Don't owe them any money. 
Could you please help Thank you
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MA)

Account was compromised. Contacted financial institution to close account and issue a new Account number. Financial institution authorized payment on new account without consent for recurring billing setup with old account number that was no longer active. 

Financial institution claims they are required by law to authorize payment for recurring billing even though the account record on file is different?
Consumer complaint received 2019-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I got a letter in the mail from XXXX XXXX they claim that they never received my credit identity theft packet that I sent in XX/XX/2019. It was sent via certified mail from the XXXX, va usps and it was notarized by XXXX bank in XXXX, VA. The address is XXXX XXXX XXXX XXXX, XXXX, VA XXXX and you may reach them at ( XXXX ) XXXX. I am very confused on how they didn't receive it. It cost money and time to send certifed mail and this have been going on for too long.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

In XX/XX/XXXX, I received an SBA and PPE loans for my business. The business loans ( SBA and PPE ) were deposited ( electronical to the personal account and Im the only owner of the business ( corporation ). After about one year Santander bank locked my account, for the reason that business loans were deposited to the personal account. I provided Santander with the full verification of my business, including Federal tax return and check that verified that money was put back to business account to pay business expenses of the hair salon that was closed for during the Covid pandemic. The bank locked my account, which had other funds beside these loans, like unemployment payments and others personal fund. All my bill because of the lock account were overdrawn. On XX/XX/XXXX bank returned my money back. I informed lenders XXXX and SBA to reissue checks, but it was rejected due to timing Santadler bank malpractice cause loss of more than {$10000.00} of SBA loans that my business needed.
Consumer complaint received 2018-10-11
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: BTH Management (MI)

XXXX XXXX is reporting to my XXXX  report that I opened an account XX/XX/2017 for a balance of XXXX. I did not opened an account during that time. I have requested they send me a contracted with my signature on that date and they have yet to do so. This debt is not mine. I would like to them investigate this account providing me with documentations and signed contracts of an account that was open on said date.
Consumer complaint received 2021-04-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kirschenbaum & Phillips P.C (NY)

I got a summons in the mailed from at attorney office that XXXX XXXX XXXX. Hired the lawyer is kirshenbaum and Philip s PC address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. THE SUMMONS HAS A DIFFERENT NAME ON IT THE NAME IS XXXX XXXX. AND IT HAS MY NAME AKA XXXX XXXX. MY COMPLAINT IS THAT THIS ISN'T MY DEBT AND THAT IVE BEEN A VICTIM OF IDENTITY THEFT. MY NAME IS ADDED ON A JUDGMENT THAT BELONGS TO XXXX XXXX AND IM NOT THAT PERSON PLEASE HAVE THIS VACATED.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MS)

On XX/XX/XXXX I received an alert that XXXX had performed a hard inquiry on my credit account, I do not know who these people are or what this company does or how they got all my personal info. I attempted to contact this company, their phone lines aren't monitered. I emailed them and they claimed they were owned by Self. I then contacted Self Via phone and email, their phone reps said it was a mistake made by XXXX, and it was not their fault at all. THEN I contacted XXXX Via phone and XXXX, their XXXX rep confessed it was their fault, however their phone rep claims it was XXXX. So at this point I was very confused, everyone admitted it was a large mistake, they just didn't want to accept blame. 
I started to do some research, apparently this happened to a LOT of people. By this point Self and XXXX hae thid posted on their XXXX page about this, you can check them out for a better idea of how many peopls mistake affected. Today, XX/XX/XXXX XXXX has admitted fault and claims it will be removed from my account ASAP, but no one would ever tell me what they were doing with my personal information, and how they intended to use it. I understand to them it may have been a mistake, but this is my life they are playing with, Self claims it will take weeks even IF they remove it for it to fall off my account, and there's no guarantee that my credit score will recover after this is fixed. Please look into this. Thanks
Consumer complaint received 2023-04-07
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$28000.00}, XXXX XXXX XXXXXXXX Balance : {$4400.00}
Consumer complaint received 2023-04-07
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.