davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
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: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

Automobile Acceptance is and has been reporting on my personal credit profile as " delinquent. '' I've never had account with Automobile Acceptance nor have I ever been affiliated with Automobile Acceptance. I call as well as sent a certified letter requesting this information be removed from my credit report. I call spoke with someone in the credit department by the name XXXX his extension XXXX. I explain to him Automobile Acceptance is and has been reporting on my personal credit profile, he placed me on hold while he researched the information, he ( XXXX ) return to the phone and stated he could not find my name nor social security number in their database. So I ask that this information be removed, he ask that I contact XXXX, XXXX and XXXX. I replied to him that I have already sent a certified letter asking this be removed and it's still there.
Consumer complaint received 2022-04-04
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. (WI)

In accordance with the fair credit report act XXXX XXXX XXXX XXXX acct. numbers not listed, US Dept Of Education acct. # XXXX and US Dept Of Education acct. # XXXX, XXXX XXXX acct. # XXXX, Get It Now acct, # XXXX, XXXX XXXX. # XXXX, XXXX acct. # XXXX, has violated my rights.

15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681Section 604A Section 2 States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (TX)

Back in XX/XX/XXXX I sent a letter regarding fraud charges to my US Bank Reliacard. I never received follow up on investigation results on my account the money was never placed back in to my account. 
On XX/XX/XXXX I faxed another letter to obtain an update again as of today XX/XX/XXXX still no response by phone or mail. I called and was informed something was mailed on XX/XX/XXXX advised them I still had not received anything. 
They have poor customer service.
Consumer complaint received 2018-10-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP (PA)

My auto loan started in XXXX ... ..Key Bank has sent me forms to set-up auto-pay ... .I have filled out the forms and the first time they said they did not receive the void check to verify my numbers ... .yet I provided all routing and account # 's ... .So they charged me a late fee ... ..waiting for auto-pay to come out of my account which I provided ... ..did not happen again .... charged me a late fee ... .said it takes 2 months for it to process ... .paid 2nd payment with late fee ... ... sent paperwork out again, said my wife needs to sign letter because her name is also on the check ... .not for signature just on the address part ... .They want me to do paperwork ... again ... ..This is nothing but a scam to charge late fees!!!!
Consumer complaint received 2018-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MI)

XX/XX/2017 I disputed this account. I am exercising my right to question the validity of this debt they claim I owe. According to Section 609 of the FCRA you have to provide proper documentation with an original signed contract with my signature. Experian provide me with your method of investigation on how you reached out to XXXX account # XXXX .... and provide me every detail on how they proved or sent you original signed contracts. Sending number codes or one statement is not proper documentation.
Consumer complaint received 2015-09-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Solutions To Portfolios, LLC (CA)

I have received XXXX phone calls on my cell phone, all threatening to take me to court and garnish my wages. My relatives have received XXXX phone calls at their home stating that I am legally in trouble. My employer has received XXXX phone calls on his desk phone stating I am involved in a complaint and am legally liable if I do not call back. All of these phone calls have happened in a matter of 9 business days. All phone calls have been from a XXXX XXXX, I have spoken to her XXXX time, in this conversation I asked her to send me documentation to verify that I owe this debt and XXXX XXXX response was that she would send me a letter after I paid the debt. I asked for their mailing address and she hung up on me. After this phone call XXXX XXXX started calling my relatives and employer, I also received a call from XXXX XXXX stating that I have a complaint filed against me, they seem to be from a company called STP Management. Further investigation on my part shows that their phone numbers XXXX and XXXX are associated with fraudulent shakedowns and illegal debt collecting practices. STP Management is listed as an F ranking on the XXXX and is currently being investigated by them.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I exercised my rights using 609 ( a ) ( 1 ) ( A ) and 611 ( a ) sections of the fcra. The company did not comply with the laws and they said they verified my accounts through a third party wich is not a physical verification. I contacted the original furnisher and they said that information is not reported to the credit reporting agencies by them. And if there are requests by me to get them to verify information is inaccurate in the court systems, they must request the court to evaluate whether the information is correct and that did not happen. There would be documentation sent to me by the court that the verification took place and it did not. I will enclose a letter from The court that show my information is not being physically obtain and Transunion is violating my rights to dispute.
Consumer complaint received 2022-04-04
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. (NC)

I have a hard inquiry on my credit from XXXX involving auto financing this account is paid in full and closed. 

In accordance with the fair credit reporting act 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 a account without my written instructions.
Consumer complaint received 2022-04-04
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: CarMax, Inc. (NC)

I have a hard inquiry on my credit from CARMAX involving auto financing this account is paid in full and closed. 

In accordance with the fair credit reporting act XXXX XXXXXXXX  # 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.
Consumer complaint received 2022-04-04
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions
Consumer complaint received 2022-04-04
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. (GA)

The consumer reporting agency is in violation of 15 usc 1681 ( a ) ( 4 ) Infringed upon a consumers right to privacy '' I an accordance to the fair credit reporting act my rights have been violated I have the right to privacy. See The Gramm-Leach Bliley Act ( also known as the Financial Modernization Act of 1999. 15 USC 1681b ( a ) ( 2 ) No permissible purpose/ No written instruction.

Accounts listed below are inaccurate and inconsistent on all three bureaus and I have the right to privacy which is a violation of my rights 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ( B ) Reporting information after notice and confirmation of errors -XXXX XXXX XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX
Consumer complaint received 2022-04-04
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. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-04-03
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. (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 

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
Consumer complaint received 2019-04-10
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: Diversified Consultants, Inc. (IL)

I recently had something from XXXX put on my credit report in XXXX of this year .... I told sprint that i never opened a account and they maile me a fraud packet without any proof on who opened an account with my social security number .... Im trying to buy a house and now that lowered my credit score ... Im hoping that bringing this to your attention and investigating further will show that i never opened a account ... XXXX gave the account to a debt collector and the amount is XXXX dollars .... The debt collection who has this info telephone number is XXXX ....
Consumer complaint received 2022-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (TN)

A request for validation for alleged debt owed according to 15 UC 1692g Sec 809 ( b ) I recently reviewed my consumer credit profile on XX/XX/2022, and it seems the furnished has added a collection to my credit profile. Furthermore, I never received any information about debt from Credit Bureau Systems. 
Adding information to my consumer credit profile has violated both FDCPA and FCRA because there was no notice of said debt or the opportunity to dispute the debt. 
The comments state that this is medical debt if that is the case. All medical bills would be first sent to my insurance company as I have always carried health insurance through my employer. 
I demand a full investigation of the validity of the debt that is said owed. This is not a request to verify my mailing address or name. According to 15 USC 1692g Sec 809 ( b ) This is a request for proof that A DEBT IS OWED. 

I will need all original copies bearing my signature stating that I agreed to pay the amount you claim I woe. 
I will need an itemized billing statement ( s ) of all procedures that total the said amount owed. 
I will need all documents you currently have regarding my medical file and history of service to compare with my insurance company
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (SC)

Hello, This debt amount was XXXX for a bill I didn't owe. My ex spouse opened this account. I reached out to the debt collector ERC-charter on XXXX to settle the debt and get it removed from credit report. Rep. Offered me a settlement amount if made in 1 payment of XXXX I agreed to settle this debt in single payment if it would be removed from my credit report and be a settled debt. XXXX was charged to my credit card on XXXX and a payment was received by ERC. On XX/XX/2022 a letter was sent to me by mail stating they received my payment of XXXX on XXXX and that I had a remaining balance of XXXX that was still due. It states please make a payment towards my remaining balance that's owed to settle my debt and lists all the ways to pay them. I am a little concerned because this is not the agreement that was made.
Consumer complaint received 2024-05-15
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Coradius International LLC (OK)

In XXXX of 2024, I was contacted by American Coradius International, LLC via telephone regarding an outstanding XXXX loan debt purportedly owed. Despite repeated attempts over a week, the company persisted in its communication efforts. After speaking with a representative, I explicitly communicated my preference for all discussions about the alleged debt to be conducted through writing and for validation. 

During a particular conversation, a representative perused my professional website, seeking operational details such as business hours and work schedule. The representative stated that he would continue to contact me on my personal and business lines. 

On XX/XX/2024, correspondence was received from ACI indicating the existence of outstanding obligations from a previous XXXX loan XXXX XXXX XXXX XXXX XXXX. XXXX had been absent for more than three years despite diligent efforts on my part to establish contact and ascertain the status of my loans, including current balances. 

In response, a formal letter was sent to American Coradius International, LLC, outlining specific items to verify the debt 's authenticity, with documented proof required from the original lender. The letter was mailed on XX/XX/2024 and was received by ACI on XX/XX/2024. Despite my request, ACI persisted in contacting me via telephone. 

A subsequent letter, mailed on XX/XX/2024 and received by ACI on XX/XX/2024, reiterated the demand to cease all telephone communications without the requisite verification documentation. 

Regrettably, despite two formal written requests, American Coradius International, LLC has continued to contact me via telephone and has not provided any of the requested documentation. The company regularly calls from a different VOIP line each time.
Consumer complaint received 2020-09-15
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. (FL)

To Whom it may concerns, please remove those charges from my credit reports. They are fraudulent accounts and I did not give permission to any of these people to apply any charges on my accounts. This is very stressful the fact that I constantly have to worry about people using my name wrongly. 

Thank you.
Consumer complaint received 2020-09-15
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: SYNCHRONY FINANCIAL (KS)

The company in question ( Paypal Credit ) has repeatedly defamed my character and is unwilling to correct an issue that I am not at fault for. Payments which were scheduled were not made due to their auto-payment system not functioning correctly. I was not notified until well after 90 days delinquency. Every time I call in, they tell me it is my fault, I am an XXXX, and I was being irresponsible.To the contrary, I made every good faith attempt to straighten out any issues as I were made aware of them. The preeminent issue is that I was never made aware of any issues until well after they reported it to the credit reporting agency. Unfortunately, they will not even consider submitting another appeal on my behalf as they stand by their narrative as noted above. At this point, I am considering pressing charges ; but, I am interested in pursuing any further options that I have.
Consumer complaint received 2022-04-04
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: DISCOVER BANK (NY)

It has been a battle going through this and I am writing to delete this fraudulent information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX  showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. 

DISCOVER FIN SVCS LLC XXXX
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (NY)

FORD MOTOR CREDIT Account # XXXX has been paid and closed since 2016 but on my report, this is still showing that it is 30 days late. How can this be? They should be reporting the account paid or closed. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately! 

FORD MOTOR CREDIT XXXX
Consumer complaint received 2019-09-19
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. (TX)

This account in the amount of {$3700.00} was placed back on my credit reports after being taken off following an investigation. XXXX XXXX XXXX purchased the account. Previously a police report was presented with this account listed as fraud. All 3 of the credit reporting agencies removed this information from my report. It has now showed up under another name. I did not authorize this account. It was obtained fraudulently and needs to be removed.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter to TransUnion disputing 8 accounts as erroneous on XX/XX/2022. It is now XX/XX/2022 and I have not received a response from this credit reporting agencies. I also sent a follow up letter today for TransUnion to comply with 30 day investigation law. I would like these erroneous accounts deleted.
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (PA)

ATTENTION DISPUTE DEPARTMENT CREDENCE RESOURCE Reported : XX/XX/XXXX. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company in federal court if need be. I am also aware that your company will be liable for actual damages and court fees. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX