davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

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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. 
Account name : # XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Pettitt & Kimball, PLLC (CA)

XXXX XXXX XXXX XXXX XXXX are wolves its been 9 years and a eviction is 7 years and it keeps showing on my credit report its been 9 years from 2013 I want this information off my credit off public record
Consumer complaint received 2022-05-19
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: CLGF Holdco 1, LLC (IL)

No late payments to date. Tried to resolve with company. I still maintain good standing with account. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 2019-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-12-16
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: AmeriCollect (FL)

I recently requested a copy of my credit report online and discovered that a Collection agency is reporting to my credit file by the name of AmeriCollect in the amount of {$72.00} I do not recall this account nor the origin of the alleged debt. Simply sending me a Statement claiming I owe this alleged debt is not proof of a valid claim. I would need to receive a true bill in order to respond in kind to this alleged claim. 

Meanwhile, this account created in my name and reported to my credit by AmeriCollect is causing me financial distress and undue XXXX
Consumer complaint received 2022-10-13
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: 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 XXXX : # XXXX, XXXX 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 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 2022-05-19
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-05-19
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, XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-12-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT CONCEPTS, INC. (OR)

Finances used XXXX XXXX XXXX in XX/XX/XXXX. There were problems with vehicle at test drive. Was told by sales person that they would make repairs to vehicle ( transmission and clutch ) the coming weekend. I tried to get vehicle in almost daily for the next 9 months and was given an excuse wash time I asked to bring it in. I was promised by salesman that they would adjust and repair any problems with clutch it transmission the next evening and at latest the coming weekend. I paid on time for 9 months while trying to get car into their repair shop and then one day three cars transmission head internal failed unspecified and broke down was undriveable.. I towed it to repair shop and ward told it needed a new transmission and that the one that was in it was faulty and would have broke down now matter what. I then contacted city auto wholesale to explain and they put me in an old XXXX mold filled case which gave me respiratory distress even with a mask on. My husband is now being garnished for an amount exceeding {$12000.00} XXXX on XXXX loan that was closed at its high if XXXX in XXXX. I had made all payments on time for 10 months. Even 1 ninth after break down and stop making payments when I knew that the cat loot was not going to make it right. They repossessed three car in the 11th ninth after date of financing, sold vast for XXXX at auction to another sector. In their firm ( credit concepts, XXXX XXXX in XXXX of XXXX and stated collection egrets on the original loan admit and note then XXXX interest. They garnished my ostrich in XXXX and none of the garnished XXXX went towards the high balance or interest. Now they have added another another over XXXX interest to the closed account ( XXXX ) in excess of XXXX and are harnessing my husband 's wages for that amount. The account was charged off in XXXX. And closed.
Consumer complaint received 2021-10-29
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. (MI)

These are numerous inquires on my TransUnion credit report that I did not consent to nor authorize. 
1.XXXX  XXXX  XXXX via XXXX XXXX  XXXX- XX/XX/XXXX 2XXXX XXXX- XX/XX/XXXX 3.XXXX  XXXX XXXX- XX/XX/XXXX 4.XXXX XXXX XXXX- XX/XX/XXXX 5.XXXX  XXXX- XX/XX/XXXX 6XXXX XXXX  XXXX 7XXXX XXXX XXXX- XX/XX/XXXX 8.XXXX  XXXX XXXX  XXXX- XX/XX/XXXX 9.XXXX  XXXX via XXXX co- XX/XX/XXXX 10.XXXX  XXXX  XXXX XX/XX/XXXX 11XXXX XXXX via XXXX- XX/XX/XXXX 12.XXXX  XXXX XXXX  XXXX via XXXX XX/XX/XXXX 13.XXXX XXXX XXXX XXXX XX/XX/XXXX 14XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1

637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (DE)

Debt collection agency ( XXXX  ) calling every day, often more than once a day from different numbers to not only personal phone but also spouses phone who is not linked to any account with the company claiming there is a debt. Unsure of how they found her phone number as well.
Consumer complaint received 2022-05-19
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: AMERICAN EXPRESS COMPANY (IL)

I WAS ALERTED WITH NUMEROUS OF ALERTS FROM Y CREDIT PROFILE THAT SOMEONE HAD RAN MY CREDIT! XXXX XXXXXXXX XXXX FINANCE WAS JUST ONE OF THE SEVERAL THAT I DID NOT AUTHORIZE. ALL OF MY LOANS ARE THROUGH MY CREDIT UNION XXXX XXXX. 
THERE WAS ALSO ONE FROM XXXX BACK IN XXXX THAT I DID NOT AUTHORIZE. I ALREADY HAD A CARD WITH THEM THAT I WAS APPROVE FOR BACK IN XX/XX/2021. 
AMEX ON XXXX XXXX WAS RAN TWICDE ON MY CREDIT. I WAS ALREADY APPROE WITH THEM A DAY OR TWO BEFORE WITH XXXX American Express.
Consumer complaint received 2022-05-19
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX ASST # 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. They have also illegally re-aged my debt.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - has same account listed twice XXXX XXXX - Account was paid in full ( for deletion ) XX/XX/202XXXX XXXX - Account was paid in full XX/XX/2022 XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX - Account was paid in full ( for removal ) XX/XX/2XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I still have alot of inaccurate information on my credit file! From my understanding by law you need to provide me proof I was late and you should only report accurate information. i need to have this stuff removed. How am I suppose to buy a new home. Its close to election season and I am not voting for a president if these items aren't removed. I am suppose to be an free American with consumer rights and I want to be treated as such! Delete this negative stuff or I will take legal action.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - has same account listed twice XXXX XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - Account was paid in full XX/XX/2022 XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX - Account was paid in full ( for removal ) XX/XX/20XXXX XXXX
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (IL)

I reviewed my credit report and contacted Equifax several times by phone, mail and fax and advised they are reporting inquiries of companies that I have now knowledge of applying for these credit products. They they respond by saying, " even though I dispute these erroneous inquiries, since they are on my credit report, it is deemed factual ''. I totally disagree with their practice. They never do any investigation, just say they are factual. I contacted Equifax in XX/XX/XXXX by phone and advised of erroneous inquires as well as mailed a letter, then again in XX/XX/XXXX another call but to no avail.
Consumer complaint received 2019-11-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Flagstar Bank, N.A. (CA)

I paid my mortgage in XXXX on the XXXX I was told I would be charged a late fee because of time zone difference the bank is located in the XXXX XXXX. I complained spent wasted time talking to managers and they finally removed the late fee. I'm sure they have charged several others who didn't complain. In XXXX I paid the bill on the XXXX a Saturday. I received a harassing call on Monday evening from the collections department. I spent hours being bounced around trying to determine if the call from Monday was actually from Flagstar Bank. I was concerned because on XXXX  when I returned the call to this unknown unpublished number XXXX. I was asked to give my loan # and XXXX. I of course refused. I then hung up and called a known number for them. I was transferred to collections. I was asked irrelevant questions regarding the matter such as do you live in the property, is it a rental, and is it rented out? I was taken aback by the questions because in all my 30 years of owning property no bank has ever asked me that. I now believe the bank may be providing that personal information to other interested parties/investors looking to prey on the public. I hope this matter is looked into as this is very alarming. I have gotten several unwanted calls from investors who say they have gotten my information from sources like the bank.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I WAS ALERTED WITH NUMEROUS OF ALERTS FROM Y CREDIT PROFILE THAT SOMEONE HAD RAN MY CREDIT! CAPITAL ONE AUTO FINANCE WAS JUST ONE OF THE SEVERAL THAT I DID NOT AUTHORIZE. ALL OF MY LOANS ARE THROUGH MY CREDIT UNION XXXX XXXX. 
THERE WAS ALSO ONE FROM XXXX BACK IN XXXX THAT I DID NOT AUTHORIZE. I ALREADY HAD A CARD WITH THEM THAT I WAS APPROVE FOR BACK IN XX/XX/2021. 
XXXX ON XXXX XXXX WAS RAN TWICDE ON MY CREDIT. I WAS ALREADY APPROE WITH THEM A DAY OR TWO BEFORE WITH XXXX XXXX XXXX.
Consumer complaint received 2022-05-19
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: Westlake Services, LLC (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2022-05-19
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: ALLY FINANCIAL INC. (IL)

There are inquires on my report that I do not recognize. 
I was alerted today four times back to back that someone had ran my credit, which lead me tp review my entire report. all of my car loans are through my credit union! 

XXXXXXXX XXXX XXXX  XXXXXXXX XXXX ally financial XXXX XXXXXXXX ) XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ITS ON MY CREDIT TWICE AT A DIFFERENT DATE. I ONLY RAN MY CREDIT ONCE AND I WAS APPROVE ALREADY. 

also XXXX ( THAT IS IN COLLECTION ) STATED THAT THEY WOULD REMOVE THIS ONCE I PAID IT IN FULL AND NEVER DID. 

PLEASE HELP, IM TIRED OF THIS.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Since the data breach of 2017 by Equifax I have consistently had credit accounts on my report that arent mine and incorrect personal information change on my credit report. Additionally my data is being used and sold on the dark web. I have not been able to obtain any credit fairly and it hinders employment and travel. Please eliminate all accounts on all three reports.
Consumer complaint received 2022-05-19
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. (NV)

I noticed on my TransUnion report that there is an unpaid collection account, XXXX XXXX XXXX. I am not aware of who this company is and why they are trying to collect a " debt '' from me in the amount of {$250.00}. I have never received any written documentation from XXXX, XXXX, regarding the validation of this " debt '' or how to dispute ; it just appeared on my consumer report. This debt is invalid. Further, XXXX XXXX XXXX listed as the " Original Creditor '', has verified that there is a XXXX ( {$0.00} ) balance ; as you will see from the attached ledger from them, there was a " reversal of write off '' and paid by my insurance.
Consumer complaint received 2019-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau (UT)

Complain about Company KNIGHT ADJUSTMENT BUREAU Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX This company is working to collect a debt for a company call XXXX XXXX XXXX the debt they collecting is not mine, after requesting the documentation to verified the loan and learn about my legal rights under the Fair Debt Collection, I found out the documents send by Knight Adjustment Bureau have not have my handwriting or my signature on any of the documents they sent, I already send a letter to them telling them about out this and they are not taking this debt from my credit report. 
They are still trying to collect this debt. 
Knight Adjustment Bureau for my understanding was suppose to contacted me to check with me if this debt was or not mine, but they instead send this debt directly to collection within days of receiving the account from XXXX XXXX XXXX ( original owner of the account ) after that they send me a document to verified if the debt was mine or not for which I dispute the debt. 
After they tried to verified the debt they send me a letter telling me what a own and that I have to pay the whole amount on the letter they sent, that they would not accept any kind of payment arrangements. 
This company Knight Adjustment Bureau keeps harassing me with this account that do not belong o me or agreed on, I tried to fix this with original company, they never wanted to provide me with any documentation or information on this debt. 
Attached I'm sending copy documentation received from this collection company to support my complain. 
Thanks XXXX XXXX