davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
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: Total Card, Inc. (TN)

Total/XXXX XXXX XXXX, XXXX and XXXX are in violation of FCRA 623 ( a ) ( 6 ) ( B ) which states " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency ''. As of XX/XX/2020 this trade line still appears on my XXXX and XXXX credit reports when I have on multiple occasions disputed this trade line as being opened without my knowledge or consent. On XX/XX/2020 I sent the attached letter to Total Card inc. at the address specified by a Total Card/XXXX XXXX XXXX representative on XX/XX/2020 at XXXX XXXX  to reiterate this along with the attached FTC affidavit via certified mail. Also attached is certified mail tracking information which shows the letter was received on XX/XX/2020 at XXXX XXXX. I subsequently called Total Card/XXXX XXXX XXXX on XX/XX/2020 to verify receipt which the representative confirmed. Per my rights under the FCRA I am considering the possibility of litigating this matter if not properly resolved. A XXXX search of XXXX   complaints for Total Card shows I am not the only person that has experienced extreme difficulties in Total Card/XXXX XXXX XXXX and their credit reporting practices and this seems to be a pattern and part of a strategy to purposely report incorrect information to the credit bureaus. 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. (NY)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-06-16
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)

My information was stolen and fraudulently used without my knowledge or authorization to open accounts. The following accounts where not opened by me. These accounts are a result of my identity being stolen. 
XXXX  XXXX  Date Opened XX/XX/XXXX Bal {$1000.00} XXXX XXXX  Date Opened XX/XX/XXXX Bal {$0.00}.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My information was stolen and fraudulently used without my knowledge or authorization to open accounts. The following accounts where not opened by me. These accounts are a result of my identity being stolen. 
XXXX  XXXX  Date Opened XX/XX/XXXX Bal {$1000.00} XXXX  XXXX  Date Opened XX/XX/XXXX Bal {$0.00}.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. company name : XXXX XXXX Adress : XXXX XXXX XXXX XXXX, Ma XXXX Date opened:XX/XX/XXXX Balance Claimed : {$420.00} I have no knowledge of this please remove immediately. Thank You sincerely, XXXX XXXX
Consumer complaint received 2018-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Credit Resolution, Incorporated (MI)

American Credit Resolution/ACR has violated so many of the rules that are in place with regard to debt collection. This company has continued to call me on my cell phone - numerous times a day from different numbers ( leaving me voicemails that they are sending me demand letters to my place of employment or home ). At least 7 times each day to my phone ... ... .... They also call relatives and give them private information in hopes of getting a different phone number to reach me. They continue to call my place of employment when I have asked them several times to stop - just changing the CSR does not mean they can now call my work again. Each all they threaten demand letters and legal action - also illegal, right? MAKE THEM STOP!! My personal information should not be shared with anyone and when I ask them to stop they should stop harassing me.
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: Experian Information Solutions Inc. (NY)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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: Experian Information Solutions Inc. (PA)

This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. company name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2001 Blance claim {$660.00}. I have no knowledge of this please remove immediately. Thank You sincerely, 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. (PA)

This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. company name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2001 Blance claim {$660.00}. I have no knowledge of this please remove immediately. Thank You sincerely, XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.
Consumer complaint received 2023-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commercial Acceptance Company (NJ)

XX/XX/XXXX without any prior notice to me the collection agency reported to all three credit bureaus I owe for a medical bill that was paid or shouldve been paid by workers compensation furthermore I never received any notices from the debt collection agency I learned of this debt XX/XX/XXXX when I reviewed my credit report and noticed my credit score decreased
Consumer complaint received 2022-06-16
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. (SC)

Theres 13 hard inquiries in my credit score credit bureau refuse to delete them I even called all the companies that was posted on my credit score they cant even find me on there system and they dont have access to even send me letter to remove me but credit but asked me to get a police report I went to a police department to get a report they refuse to give me one cuz they said they dont have hard inquiries report please help me with cause I am exhausted about the situation that Im in.
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.Q. DATA INTERNATIONAL, INC. (IN)

COLLECTOR KEEPS CALLING MY DADS CELL PHONE AND FAILED TO VALIDATE, NOW MUST CEASE AND DESIST COLLECTION EFFORTS I AM DEALING WITH ORIGINAL CREITOR.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2013 Asset Amount : {$0.00}.
Consumer complaint received 2020-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A credit card was opened with Bank of America using my identity on XX/XX/2016, I tried to dispute with the credit company but the bank said the account belonged to me which I never opened.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See documents attached.
Consumer complaint received 2018-04-30
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: SYNCHRONY FINANCIAL (LA)

1. Vehicle leased XX/XX/XXXX ( lease payments incorrect ) ; 2. Lease modified XX/XX/XXXX, dealership refunded {$1500.00}, paperwork never changed ; 3. On/about first week XX/XX/XXXXhad unexpectected acceleration and braking which XXXX XXXX nor XXXX could determine cause ; 4. On or about XXXX XX/XX/XXXX, additional unexpected acceleration in heavy traffic, again XXXX XXXX could not find problem ; 5. XXXX XXXX, owner then offers to exhange vehicle, but has get approval XXXX XXXX ; 6. Around XXXX   XX/XX/XXXX, notified that XXXX has approved Substitution of Collaterol, ( like kind exchange ) ; 7. XX/XX/XXXX, pick up new vehcile, another XX/XX/XXXX XXXX, with few upgrades ; 8. When get home, check VIN number and they don't match, call XXXX XXXX and XXXX XXXX and report alleged fraud. 9. Since that date, attempted to resolve with XXXX XXXX, Owner, and he has failed to provide proof that VIN number has been corrected and file registrations documents with XXXX DMV ; correct Closed End Motor Vehicle Lease Agreement Louisiana/reduction ; correct Odometer Disclosure Statements/reduction ; and manipulate Act of Sale documents/reduction.
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: Experian Information Solutions Inc. (WI)

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602. A states i have a right to privacy.

15 U.S.C 1681 section 604. A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing this letter because I noticed that my credit report contains late payments reported on ( XXXX XXXX XXXX XXXX for my SELF/LEAD BANK Account, I want you to know that I understand my financial obligations, and if it werent for the pandemic of covid-19 and the loss of my grandmother through the virus, Id have an excellent repayment record. I made a mistake in falling behind, but before then, Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments. 
Thank you for your consideration, and I hope youll approve my request. 
Best, XXXX XXXX XXXX
Consumer complaint received 2020-07-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: KEYCORP (IL)

On XX/XX/XXXX I received a debit card in the mail from Key bank for an account with the Illinois Department of Employment Security presumably for unemployment benefits. I have been retired since XX/XX/XXXX and am not entitled to, nor applied for said benefits. Upon trying to contact Key Bank, I was given the opportunity activate the card which I did not. I tried to find a choice on their system to talk to someone but, just got put on hold, cut off.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (LA)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my reading instructions
Consumer complaint received 2020-01-31
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. (AR)

I have tried to purchase a vehicle any times. Every single time I get denied and I just don't understand why. This last time I asked the car salesman to show me a copy of my report. I wish I would of took a look at my report months back. There are several collection accounts and a loan on my report that if not mine. Please remove these accounts from report.
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AL)

Previously using CFPB we disputed this debt through another collection agency who removed it. On XX/XX/XXXX, XXXX XXXX XXXX added it back onto credit report as a collection. Nothing received again from that company, and the debt has never been shown as mine. Also now calling while at work. I have no idea, as before, what this is.
Consumer complaint received 2020-09-10
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. (NY)

Today XX/XX/2020 I received notice from cfpb that the company reponded and to provide feedback on there response. I had submitted a complaint about XXXX XXXX XXXX XXXX removing 4 positive in good standing/paid loans off my credit reports. I received a letter last month from XXXX XXXX XXXX XXXX XXXX that they will delete the delinquent loan ( which was outdated and incorrect anyway ) off my credit reports and re-instate the 4 positive loans ( satisfied ) back onto the credit reports. They still have not put these 4 satisfactory loans back onto my credit reports. They did delete the one showing delinquent but not the postive ones. This is affecting my credit score. The letter from XXXX XXXX was advising me they would take care of this.