davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-23
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Central Atlantic Sales Inc. T/A Priority Buy Here Pay Here (VA)

XX/XX/2019 my account manager XXXX XXXX at XXXX XXXX XXXX IN XXXX, VA XXXX talks to me every rude because my car payment was late advised I was going through some financial issues and then she begin to ask me why cant XXXX people never pay there bills on time .. I have had issues with her or more then one occasion. I have addressed her manager and he assured me I would never be spoken to in a rude manner again. and nothing has changed.,. it has been to the point where ive disconnected the call due to rude behavior and she has call back threatening to take legal action on me and I cant handle it .. she calls me all day every hour on the hour. its to the point where I have to cut my ringer off.
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

Hey, I recently conducted a review of my credit report, and I noticed that this company ( DIVERSIFIED CONSULTANTS INC ) showed a collection account that I find to be problematic. I have reached out o them and they informed me that the balance due was from a past due XXXX  account. I have never had or owned a XXXX  account/phone or ever established service of any kind from XXXX. 

The company also informed me that the account has been open since XX/XX/2017 ( 2 yrs, 9 mos ) and I have been with XXXX for the past 12 years. 

I contacted XXXX  which is the credit bureau that they are reporting this collection to as well, and asked them to take action to get thi collection removed from their records and to erase any record of the collection with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue upon investigation. I wanted to contact you as well, just to make sure this gets done. 
Please investigate this collection and this company ( DIVERSIFIED CONSULTANTS INC ) at your earliest possible convenience, as I am  going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Ive talked to this company ( DIVERSIFIED CONSULTANTS INC ) over 10x already informing them that this is not my debt/account/and or collection and have yet to get any positive feedback or validation that this account is indeed mine. 

My name is XXXX XXXX and you can contact me via email or phone with any correspondence on this matter as it will help me further on getting this collection removed from my credit. 
( Phone ) XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting 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 have called, emailed, disputed, and been given the run around on this issue too many times. I have a school loan and owe two different companies for the same loan now ive been told. It is reflected on my credit report 15 times. There is no reason for it to be on my report so many times for the same account. It is very detrimental to my credit and to anyone who looks at it when it is required! Showing that many bad marks for one account is against code law! I do not owe XXXX or XXXX those accounts are not valid.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I submitted this issue before XXXX and it was resolved then they just put the charges back on my credit account. They have sent me letters that the charges were false, then they keep changing their mind and putting them back. This all started in XX/XX/2019 when my account number was stolen and 8 charges from XXXX XXXX totaling {$3800.00} appeared on my card. I and no one in my family had anything to do with these online purchases. I do not know why the say they are valid. How can I prove they were not my charges when I had nothing to do with them, I don't even believe they were from my state location. Please help this has been a stressful and ridiculous resolution process.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NM)

According to the FCRA derogatory or negative items over 7 years old are to be removed from the credit reports. The listing with XXXX Acct # XXXX with an original credit limit of {$12000.00} & XXXX Acct # XXXX with original credit limit of {$29000.00} should have been removed from my credit report on XXXX of XXXX. I submitted dispute letters to the credit bureaus and directly with XXXX on multiple occasions and XXXX continues to verify the inaccurate items. 
For the XXXX listing with a credit limit of {$12000.00} according to my Equifax report dated XXXX/XXXX/XXXX this listing shows that the first date of continuous delinquency was XXXX of XXXX. This item should have been removed from my credit report 7 years from that date ; by XXXX XXXX. It 's now been over 8 months and this continues to report on my file despite that it 's been over 7 years. Furthermore, by XXXX reaging this item clearly violated my consumer rights per the FCRA. In my dispute letter I included a print screen showing how they reported the item in XXXX and how they have re-aged it and are inaccurately reporting still. 
For the XXXX listing with a credit limit of {$29000.00} ; according to my XXXX report this item should no longer be on my file. The first date of continuous delinquency that they are reporting of XXXX XXXX is not accurate. The date of continuous delinquency should have been XXXX of XXXX not XXXX of XXXX. This loan was not deferred therefore according to my contract with XXXX payments would have been due 6 months from the date that I was no longer enrolled in school as such my first date of continuous delinquency should have started on XXXX of XXXX. This item is over 7 years old and should have been removed from my file in XXXX of XXXX. The calculations of these dates, account history and reportability is not accurate. In my dispute I included a print screen showing the inaccurate items that they are reporting. XXXX has deliberately damaged my credit and are negligently continuing to do so at the detriment to my family. I 've been turned down for credit and my good name has been tarnished.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (OH)

I received a debit Visa card from USBank ( Reliacard ) with a notice to activate it. I have not filed for unemployment benefits or anything else. I have read that this means I may be a victim of fraud. Calls to all of the numbers I have result in automated responses that don't allow me to go further, or speak to a representative. I have reported to XXXX.
Consumer complaint received 2022-09-12
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (SC)

XX/XX/2020. Amount {$150.00}. I sent my dispute to the three major credit bureaus regarding this inaccurate information. No response from the companies. Not only is it invalid, reporting medical information is a violation of HIPPA.
Consumer complaint received 2020-07-16
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: Experian Information Solutions Inc. (MS)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2018-02-24
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. (MA)

I have provided the following information to XXXX, TransUnion, and XXXX XXXX XXXX XXXX : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copies of the reports I received from XXXX and TransUnion. 
This item, XXXX XXXX XXXX XXXX, Home Equity Line of Credit is inaccurate because the date of first delinquency ( DOFD ) is either missing or inaccurate. As a result, the negative information associated with this specific tradeline is listed in my consumer file longer than legally permissible. 
The Experian report does not specify a DOFD. The TransUnion report indicates a Last Payment Made of XX/XX/XXXX. More than ten years ago. In addition, the property securing the Home Equity Loan was foreclosed on in XXXX. I have enclosed a copy of the Foreclosure Deed as additional proof. The Foreclosure Deed was recorded in New Jersey with the XXXX County Clerk on XX/XX/XXXX. 

I am requesting that the information in your records be corrected and that the item be removed from my XXXX and TransUnion credit reports to correct the information in my file. I have disputed this item with XXXX and TransUnion and have not been given an explanation as to why the file has not been corrected. 

Enclosed are copies of the Foreclosure Deed and the relevant portions of my XXXX and TransUnion credit reports along with the disputes which support my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

XXXX is providing incorrect information to XXXX and TransUnion. There were no payments made in XXXX. The last payment date shown by TransUnion is XX/XX/XXXX. The date of first delinquency is over ten years ago. In fact the property securing the loan was foreclosed on and the foreclosure deed recorded on XX/XX/XXXX. Nearly nine years ago.
Consumer complaint received 2022-09-12
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. (CA)

In accordance to the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 report agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-25
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681O - XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681O - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (OR)

Synchrony Bank issued me a card to buy a XXXX phone. I got the credit in XX/XX/2018. I paid as agreed and used their system to pay my account in full in XX/XX/1019. But then months later they said I owed them {$18.00}. This hit my credit with almost an 80 point drop. 

SYNCB/XXXX
Consumer complaint received 2020-07-16
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. (MD)

In review of my Credit Reports, I noticed there were unauthorized inquiries listed. I never received correspondence that my credit was pulled using these sources and XXXX did not have permission to furnish my report to these creditors listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX services XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-07-16
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: Navient Solutions, LLC. (OH)

Navient 's negligence has ruined my life. They had been sending my bills to an old email that belonged to my mother seven ( 7 ) years ago. They had my address and phone number on file, as they used those to verify my identity when I called, however, they never reached out to me through these avenues. My credit score fell from XXXX to XXXX. I'm not able to buy a house or a car and I have no idea how they plan to have me pay them back without the ability to acquire a reliable form of transportation. I contacted them, they said since my account was 90 days past due they would automatically deny any complaints I filed to them. The credit bureau told me to contact Navient and " buy something like a refrigerator to rebuild '' my credit. ODE told me they are unable to do anything but if I feel wronged then I can try to sue them or the loan provider and see what happens. I have truly given up all hope.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX. Experian pulled in old data from my previous creditor XXXX XXXX  - XXXX from 2018 to lower my credit score by 53 points. 

XXXX. My mortgage bank ( XXXX XXXX  ) has inaccurately reported my XXXX mortgage payment showing a late payment when in fact I did make the payment. XXXX XXXX  raised my payment amount due to the rise in taxes and instead of starting adjusted payments in XXXX they started adjustment payments XXXX ( the previous amount was automatically withdrawn in XXXX. I started receiving calls in XXXX from XXXX XXXX  but their representatives were hanging up the calls when I answered. I called in to find out what's going in and learned that I owe an excess of XXXX dollars. I made the payment by phone which was never processed by their representative. I started to receive calls again from XXXX XXXX  and getting disconnected by thteir representatives. I called back in a second time and was told the payment is stil outstanding. I made the payment by phone a second time which was processed in mid XXXX. I filed a dispute with the XXXX XXXX for their bad banking practices. This caused a 30 day late payment hit my credit report as well. A dispute with XXXX Bank is pending. A dispute with Experian is still pending. 

Unfair banking and Credit Report practices from both institutions. I currently can not obtain a loan because of this,
Consumer complaint received 2021-07-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Panteris & Panteris, LLP (FL)

I requested validation of debt from this company several times and have received any. 
following is violated as of today : 1692 c After written notification that consumer refuses to pay debt, or that consumer wants collector to cease communication 1692 d Any conduct the natural consequence of which is to harass, oppress, or abuse any person 1692 e Any other false, deceptive, or misleading representation or means in connection with the debt collection 1692 e ( 2 ) Character, amount, or legal status of the alleged debt 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken 1692 e ( 8 ) Threatens or communicates false credit information, including the failure to communicate that a debt is disputed 1692 e ( 10 ) Any false representation or deceptive means to collect a debt or obtain information about a consumer 1692 f Any unfair or unconscionable means to collect or attempt to collect the alleged debt 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law
Consumer complaint received 2020-08-20
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. (AL)

I have contacted Transunion several times by phone, letter & several cfpb complaints including XXXX concerning several XXXX  accounts that I have proved that do not belong to me, yet Transunion still reports them for XXXX XXXX {$160.00}, XXXX XXXX XXXX   {$530.00}, XXXX XXXX XXXX  Opened XX/XX/14, XXXX XXXX was updated to close but still on my report this should be deleted. I have never been on XXXX XXXX  & you all are reporting a balance of {$8500.00}. Please delete
Consumer complaint received 2022-09-12
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)

I would like to have the following inquiry accounts removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance to the fair credit reporting act XXXX  account XXXXT # 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 XXXXXXXX, XXXX XXXX XXXX # XXXXXXXX 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 report agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.