davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Municipal Collections Services, Inc. (IL)

The city of XXXX XXXX XXXX XXXX stolen my private automobile without any contract or my consent or any injured party on the XXXX  of XXXX two thousand and eighteen the company also the given municipal collection services inc. and the municipal collections services Inc and MUNICIPAL COLLECTION SERVICES INC. companies my personal data and information without my written or express consent furthermore I don't owe any debt in the amount of XXXX furthermore the City of XXXX XXXX XXXX XXXX and municipal collection services Inc failed to show there is a contract, failed to provide a injured, party and misappropriated and misfalsified documents of XXXX XXXX information and personal data. XXXX XXXX responded and given municipal collection services Inc seven days to respond and resolve this matter on the XXXX XXXX of XXXX two thousand and eighteen. Municipal collection services Inc is also responsible for given their parties my personal data and information without my written or express consent XXXX XXXX personal data and signature worth is XXXX XXXX dollars. XXXX XXXX is seeking claims for the harms and damages of the fault of the city of XXXX XXXX XXXX XXXX and municipal collections services Inc and MUNICIPAL COLLECTION SERVICES INC
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am the consumer, XXXX XXXX has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract. According to 15 USC 1692, I do not owe any alleged debt because I am the consumer and Im not obligated to pay. I am an administered agent according to 15 USC 1602 ( o ). 18 USC 8 will provide that information to you. I do not own that debt. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am the consumer and I am the only one that can validate that debt and it is not mine. XXXX XXXX did not verify this information. According to 15 USC Code 1681 ( a ) ( e ) it states that you have to do interviews with my family, associates and neighbors, you guys did not do that. You didnt provide that nor any information of anyone that is associated with the consumer, which is myself. XXXX XXXX also, reported the amount I owe to a third parties without my consent to Transunion, XXXX  and XXXX, that is a violation of 15 USC Code 1666a ( b ). Under the law of my federal consumer vice, I am instructing you right now, according to 15 USC 1681 ( b ) ( a ) ( 2 ) to remove it according to my written instructions. I didnt give you guys permission to furnish any of my information. The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently viewed my credit reports and noticed some inquiries that I didnt authorize. I have sent in multiple dispute letters to the credit bureaus, to resolve this issue. But the issue still hasnt been resolved.which is a violation of the FCRA section 604 since there are inquiries that I didnt authorize.
Consumer complaint received 2022-10-08
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)

I have inquires on my credit that I do not recognize and they need to be removed now. they are all included below and on my ftc report, that are from ( XXXXXXXX XXXX XXXX  ), ( XXXXXXXX XXXX, ) ( XXXX XXXX XXXX  ), ( XXXX XXXX ) ( XXXX  )
Consumer complaint received 2022-10-08
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. (AZ)

On XXXX XXXX had been taken ill and I sent in a payment to XXXX XXXX XXXX  the payment was sent back due to an error I explained that I had been ill and had put it in the portal and there was an error that put me now behind. I was explained by the servicing company that I could make a payment plan through a Covid program under the cares act. I had made an agreement that I have kept and made all the payments. Experian continues to report erroneous reporting and is not correct all payments are and have been made correctly Experian continues to report erroneous information which is damaging my credit at this time.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXXXXXX -US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

XXXX has not been compliant with the legalities of credit reporting. I am a victim of identity theft. I have submitted documents verifying this fact for years however XXXX continues disregarding the code of law to block all fraudulent items with proof.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In XXXX, 2022, Capital One solicited me, offering to issue a {$200.00} credit card if I put a deposit of {$200.00} in an account as security. I applied and was accepted. I used the card once, paid the bill, never carried a balance but in XXXX, the company closed the card account even though I was never late and have a XXXX balance. The credit bureau said this closed account damaged my credit, so I called Capital One to find out why the account was closed. After several calls, someone said I had an earlier account ( I think it was over 15 years ago ) and there was an " issue '', so this new account was closed. Meanwhile, Capital One CONTINUES to send solicitations for cards to rebuild my credit. 

Capital One should have done any due diligence up front before issuing a " credit rebuilding '' credit card, rather than issuing a card, reporting an open account to credit bureaus, then revoking the account ( when I owe XXXX and have paid on time ). Given the Capital One marketing of these secured cards as credit rebuiders, I believe they should re-open the account with the same limit as before ( fully secured by my cash deposit ) and the bank should conduct any background checks or due diligence BEFORE issuing cards, not as they have acted here, claiming that " something '' happened 15 years ago ( but not explaining what that was ). Capital One damaged my credit, falsely advertised its products and failed to follow laws concerning extending credit.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (TX)

I was just notified from XXXX that Grain removed the late remark from XXXX and added a late payment to XXXX. See attached. Also Grain has reported late payment to XXXX as well. I need an immediate answer to see when this will be resolved. You guys are literally ruining my credit. I paid off my account last year and here it is XXXX  and you are still saying I have a XXXX balance. Insane!
Consumer complaint received 2022-07-06
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. (GA)

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Opened XX/XX/XXXX {$250.00} ) XXXX XXXX ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX 3 missed payments ) XXXX XXXXXXXX ( Bank ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX hard inquiry XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX hard inquiry 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 or 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 2021-04-15
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: ACIMA CREDIT, LLC (TX)

I was a victim of identity theft and which someone got an account under my name with Acima. I already mailed them the information in which they never got back with me on. I sent them my police report and identity theft report. They continue to email me one email was around XXXX which is a inconvenient time for which is a violation of my rights as a federally protected consumer under title 15 chapter 41.
Consumer complaint received 2021-08-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

During the month of XX/XX/2021, I contacted all 3 credit bureaus to alert Capitol One that the car loan is found to be no longer my responsibility because a Judge during my divorce settlement confirmed and ordered that this Capitol One Auto Loan is to be paid by my ex-spouse not me as it is his debt responsibility and should be removed from my credit file. This debt should be removed because it is not responsibility to pay. However, this company and the credit bureaus still have this listed on my credit report even though the Judge has ordered it is not my responsibility in my divorce judgment and all 3 credit bureaus have a copy and they forwarded a copy to Capitol One to remove the record.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Opened XX/XX/XXXX {$250.00} ) XXXX XXXX ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX 3 missed payments ) XXXX XXXX XXXX  Bank ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX  XXXX ( Miscellaneous ) XX/XX/XXXX hard inquiry XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX hard inquiry 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 or 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 2022-07-06
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: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDEN 1 CREDIT UNION, THE (CA)

XX/XX/2021 through XX/XX/2021 there were fraudulent unauthorized charges on my Golden 1 credit card. I took action by disputing the charges and filing a police report. The companies fraud department changed their story multiple times and unfairly denied my claims taking zero action. Although the Golden 1 website states members have zero liability with unauthorized fraudulent charges. They have now canceled my account due to my multiple attempts to dispute these unfair and unjust denials.
Consumer complaint received 2021-04-15
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. (FL)

I have been calling and sending letters to all three credit bureaus ( Equifax, XXXX XXXX XXXX four times since XXXX of last year XXXX. The credit bureau have stated due to the covid pandemic there has been delayed. And in my response to my dispute letter will be longer than 30 days. I did not think it would have been more than a year and four letters of no response and resolutions of inaccurate information on my credit report that is affecting on my life especially due to the pandemic. please help me resolve this
Consumer complaint received 2019-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (NY)

I have a derogatory mark on my XXXX credit report stating that is accurate and it got sent to collections. However i was never notified about this debt at all and never received the bill. I would like to address this immediately and get this negative remark removed from my report. The original creditor i never did business with them. My id and ssn card was stolen along with my wallet so this is also an act of identity theft.
Consumer complaint received 2022-02-14
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: U.S. Auto Credit Corporation (VA)

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

A card was opened in my name when I was XXXX XXXX XXXX and the person how did it listed my birthday as XXXX I dont know how it was approve to be completely honest. But I have been attempting to get it removed for 10+ years now its destroyed my credit and Im being denied cards because of it. I Believe it had a XXXX dollar limit and was charged for XXXX i dont know who opened it but they used my childhood address.
Consumer complaint received 2021-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (OK)

We all need help sometimes. Let Conn 's work with you. Call XXXX to make payment arrangements of {$24.00}. This is the end result. XX/XX/2019 I called conns to get a payoff for my account they gave me a amount of {$1000.00} so I mailed a check to conns. Original amount was {$3600.00} for the purchase of some appliances I paid off XXXX which paid over by {$10.00}. So one year later Im looking on my credit report and saw {$94.00} still owed so I called conns they told me I owe for a filling fee and I told them no I dont when I called for a payoff it was a done deal and this account was interest free for 36 months. So now its up to {$1500.00} and growing. I filled a dispute with the credit bureau ( XXXX  ) and the account was removed from my credit report. But now Im getting phone calls from conns collection department telling me I should have read my contact and getting nasty. I paid my account off early and this is what you get. Do I need a Lawyer?
Consumer complaint received 2021-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CT)

my wife & I purchased furniture from XXXX and signed up for the 12 month 0 % financing with TD XXXX Card Services. From the first month of payment, bill pay of {$49.00} and {$48.00} was already set up monthly to avoid late payments and interests, and for the last payment {$420.00} was sent and delivered on XXXX XXXX, they claimed that they never got the payment. We were very confident that we paid our bill, but they kept sending us bill and with interest and late payment charges. We called their customer service, when they said they never got the payment, we gave them payment over the phone to settle the balance and told them we are not paying for interest and late payment charges because it is not our fault. The bank clearly stated that it was mailed to them. Up until today we keep getting bill from TD retail card services for late payment and interest on top of interest charges they want us to pay. We have paid everything we owe them, its so convenient for them to say they never got our last payment but all of our monthly payments were received.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Midwest Recovery Systems (OH)

Midwest Recovery Systems just slapped a fictional, new debt on my credit. This is so infuriating! There is no reason to believe this is a legit debt, because I've been insured for 5 years and this is a supposed medical debt. They have an awful rating with the XXXX and multiple consumer reports. Plus, in accordance with Ohio law, I am entitled to correspondence from a debt collector before anything is reported on my credit. I did not get a phone call, a letter, nothing. I'm currently going through this with 2 of these scam companies. Oddly, this happened 3 days after my XXXX credit line was massively increased and reported to my credit.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am unable to reach Experian they have not a single person you reach by phone. They are unethical and fraudulent. I understand they get by on advertising and selling credit cards to people but they will not speak to me about my issue. I paid off a loan of {$53000.00} and my score has continually gone done the past 3 months. My credit was almost nearing perfect and I was downgraded almost 53 points for paying a loan off. Experian should be stopped and shutdown for there interfering with the truth. They lie and cheat to make money. 

Please let me know how I can fix this issue with Experian XXXX XXXX XXXX XXXX XXXX