davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P. (OH)

My name is XXXX XXXX. I was just made aware of the collections of a credit card in my name due to it being on my credit report. I have contacted local law enforcement as well and still nothing done. In XX/XX/2016 a card was opened in my name through XXXX department store. I did not open the account and do not have any knowledge of this account. It is fraud
Consumer complaint received 2020-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (OH)

I personally sent a certified letter to XXXX  regarding a tradeline called IQ Data International on XXXX XXXX. XXXX never responded to my request to validate this debt after. I explained that the debt wasn't mind and shared that XXXX has removed the debt as it was not valid. After not hearing from them after 40 days. I sent another certified letter XX/XX/20 requesting proof of any documentation using a 609 B notification and Still no response. Lastly, I've sent out a letter on XXXX and I am growing frustrated as I thought if I ask for a copy or a verification to support any finding that they were an obligation to respond. Can I please get some help here, I'm not sure what I need to do next. Thank you
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2022-04-02
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. (VA)

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 privacy.

15 U.S.C 1681 section 602 A. States 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose,
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I found a lot of errors on my credit report. I asked for those accounts to be investigated within 30 days. I did not receive any response until those 30 days, and also i have not received any of those account with my signature proving that these accounts belong to me.
Consumer complaint received 2019-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am well aware of Bank of America Missorui has listed suspected fraud activity on my XXXX  file, dated XX/XX/XXXX. Which I agree with because I did in fact open the Bank of America Missouri account but the thing I do not agree with is the suspect fraud activity that have been placed on my XXXX account because the suspicious activity was not done by me, therefore I should not be punished for the activity. I did not contact the police which you guys stated in the letter stating that you guys need a police report dated XX/XX/XXXX but I did contacted the bank itself instantly after I realized some changes were made to my Bank of America account. I opened up a claim to dispute the fraud activity on my account which I thought was resolved but years later I found out about XXXX  and found a huge error on my report which is holding me back from getting loans, credit cards, homes and cars.
Consumer complaint received 2023-03-29
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. 

Account name : XXXX XXXX XXXX XXXX  Account Number : XXXX, Account name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX, Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX  Account number : XXXX, Account Name : XXXX XXXX  Original creditor : XXXX XXXX XXXX  Account number XXXX XXXX, Account Name : XXXX XXXX  Account number : XXXX, Account Name : US DEPT OF EDXXXX Account Number : 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 2019-08-12
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: Rent Recovery Solutions (TX)

I rented an apartment at XXXX XXXX XXXX XXXX & when I moved out I was told I was good to go & owed nothing more on my lease. A year later I check my credit to try & lease again but I cant because I have {$2400.00} on my credit report with a company named Rent Recovery. Unfortunately I do not have a copy of my lease but I do have electricity bills showing the months I was in the apartment & paid my bills. I have tried to contact XXXX XXXX XXXX XXXX & Rent Recovery to find out whats going on & havent heard back from anyone. Ive also disputed the account several times with an answer back within days stating the account is legitimate. I want to know where they are getting the right to say I owe rent when I know I do not. I have not been able to lease an apartment & refuse to pays this as I know 100 % is fraudulent.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (GA)

Retrieved free annual credit report. Experian created an account for me that I did not want, need, request or desire without my consent. Every other day I've gotten a marketing email. The fine print states the email has important account information -- suggesting its exempt from marketing opt-outs -- while clearly baiting consumers to engage sign up for a service. I have replied half a dozen times to remove/stop/opt out. Each time getting an auto reply stating I've been unsubscribed -- only to get another email two days later. There is no number to call. The email has an account number created by Experian using information I provided to receive my free annual credit report. It was not intended to create an account or be subject to endless unscrupulous marketing. Please investigate this practice and get them to stop. -- - Email Received after half a dozen opt outs ( with confirmations ) below -- - ( Note there is no opt out and the deceptive language used ) You have a free Dark Web scan available We will scan over 600,000 data points on the Dark Web for your SSN, email address and more. Don't you want to know if your info is compromised? Run scan now XXXX XXXX XXXX XXXX XXXX This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian XXXX XXXX, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. To ensure that youll receive emails from us, please add XXXX to your address book. Privacy Policy 2021 XXXX XXXX XXXX. FICO is a trademark of XXXX XXXX XXXX. 2021 XXXX, XXXX, an Experian company. All rights reserved. XXXX XXXX XXXX XXXX, TX, XXXX, US
Consumer complaint received 2018-07-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc. (GA)

I have come to understand that this company is not licenesed to make loans in the state of Georgia. I am also under the impression that the interest rate that I am being charges is illegal under Georgia usury laws. I wish to repay this company for what was borrowed, plus a reasonable rate of interest but not beyond that.
Consumer complaint received 2022-04-27
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. (PA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$750.00} XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-11-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC (IN)

We chose to voluntarily surrender our vehicle and contacted Prestige numerous times throughout XX/XX/2020. They refused over and over to accept the surrender. We forced the surrender on XX/XX/2020 and sent Prestige a certified letter stating our intention as well as left a copy of the letter in the vehicle that we surrendered. As of XX/XX/2020, our account was current. We did not have any late payments prior to the surrender of our vehicle. Prestige continues to post inaccurate information on both XXXX and XXXX XXXX XXXX credit reports. Prestige claims late payments on the credit reports, which is inaccurate as we surrendered the vehicle and ending our contract on XX/XX/2020. They are currently posting that the account is open, incorrect amounts due with late payments, both of which are inaccurate. We have disputed them numerous times and have given them chance to correct the information. They have refused to do so, continuing to make incorrect claims on our credit reports. As of XX/XX/2020, we have not been given notice of the sale of this vehicle and a final balance and Prestige continues to manufacture information and fraudulently report on our credit reports.
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (TX)

XXXX XXXX is reporting an auto loan on my credit reports with inaccurate late payments. I have contacted both XXXX XXXX and each credit bureau regarding these late payments and they refuse to update the errors on my reports to on time payments. Each bureau is reporting the late payments inconsistently and if they are all getting their information from the same place this should not be happening. I am demanding that all late payments be corrected and report 100 % on time as they should be.
Consumer complaint received 2022-04-02
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. (VA)

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 privacy.

15 U.S.C 1681 section 602 A. States 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose,
Consumer complaint received 2022-04-27
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. (PA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$750.00} XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$2.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-03-29
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. (GA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$200.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX  ) XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$5800.00}.
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (PA)

I noticed a {$95.00} annual fee on my American Express card. I used the online chat feature to address the issue. They said it is the annual fee for my card level. When I first got the got years ago, I specifically got it because it had no annual fee. While they will not admit it, they upgraded my card and started charging this annual fee without my consent. They said they will downgrade my card to the no annual fee version and will prorate the {$95.00} annual fee on my next statement. But I want to register this complaint anyway ... credit card companies should not be " upgrading '' consumers accounts and charging extra fees without their consent.
Consumer complaint received 2019-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NJ)

My entire wallet was lost while out with some friends with some very important information in it that allowed scammer and hackers to access personal information belonging to me. I attempted to go to the bank take my money out and report my card lost and stolen to only find out my account is in a no check status and i could not withdraw any money as well as do anything to my account. Days later i received checkbooks and other items saying that i opened up 6 new accounts via online which I had no clue at all about. Also in the mail i received fraudulent checks that were deposited into my account. The checks nor the 6 new accounts opened in XXXX did not belong to me and I will not take responsibility for these actions. The signature on these checks were not my signature. The suspect forged my signature on these checks.
Consumer complaint received 2022-04-27
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)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX, In account # XXXX XXXX XXXX XXXX  account # 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 2019-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (SC)

This company Online Information which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding utility bills that I possess, and I am seeking the name of the company to which I owe the debt and a detailed breakdown of the fees that I owe. Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2023-03-29
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-21
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. (IN)

Contacted by letter XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX to verify debt. Did not receive response. I received a bill is all. Letter was sent on XX/XX/2020. 

On XX/XX/2020 I sent all 3 bureaus a Debt verification letter. XXXX removed these accounts after investigating. 

Trans Union Removed XXXX. 

XXXX did what they were supposed to do. They deleted Unverified account. 

XXXX, XXXX and XXXX XXXX XXXX verified the debt with XXXX when they were being disputed by me in writing of the debt. Which they never responded to me ever. They can not verify a debt with the credit bureaus if I am disputing it with them. 

XXXX initially removed XXXX XXXX XXXX XXXX for failure to respond in 30 days to their request. Then re added the account later saying it was verified. At this time I still have not received verification from XXXX. 

XX/XX/2020 I sent a letter to XXXX and Trans Union explaining I sent debt verification letters to XXXX and XXXX XXXX and had not received and the account should be deleted. 

XX/XX/2020 sent a letter to XXXX and Trans Union that added that I had been disputing XXXX XXXX XXXX for 3 months and Comments section did not reflect this and needed deleted. I mentioned they were using e Oscar to do the verification and they needed to delete. 

XX/XX/2020. Sent letter to XXXX about XXXX that I had been disputing this for 3 months. I mentioned that the comments did not reflect this. I asked for deletion. 

XX/XX/2020 I sent a letter to Trans Union about XXXX XXXX XXXX that I had been disputing this account 3 months. I said the comments do not reflect this. I mentioned e Oscar was being used. To delete this account. 

XX/XX/2020 I tried to dispute online these accounts and it says I can not dispute them anymore because they have been verified. 

All these accounts have not been verified by the creditor and I have yet to receive a response from them. XXXX and Trans Union verified these accounts at the same time I am disputing these accounts with the creditor. XXXX took XXXX off after they did not verify in time then re added after they verified late. XXXX and Trans Union are not reporting all my disputes in the comments section on these accounts. Now I am not allowed to report anymore on these accounts online. These accounts should be deleted due to violations of the FCRA. I have copies of all these letters.