davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
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. (NC)

In XX/XX/2019 through XX/XX/2019 I was contacted via email by XXXX XXXX that I had to make a payment. I paid XXXX, XXXX, XXXX, and XXXX dollars payments for an account that I did not open. Someone opened a fraudulent account in my name and it has caused issues with my credit report and the account does not belong to me. I had contacted XXXX XXXX  several times letting them know that the account was opened in my name but not by me.
Consumer complaint received 2019-08-20
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-04-28
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. (MI)

I am XXXX XXXX, the original creditor, consumer and natural person. We entered into a consumer credit transaction therefore the finance charge was taken when i signed the application. After the finance charge there usually a security interest thats left behind. Instead of giving me my money. Because all the money originally came from my social security number. Since i didnt accept the money they took the contract over for value. Which was misleading because they are suppose to tell you whats happening but they never did. This led to them infringing upon my privacy and sending my information over to consumer reporting agencies. Which i never gave them consent to do. That is fraud. Then the consumer reporting agencies are now committing fraud because they are reporting my information without my written consent which is illegal for them to do as well. Everything starts and ends with the consumer.
Consumer complaint received 2021-08-14
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: HCFS Healthcare Financial Services of TeamHealth (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 ARS ACCOUNT RESOLUTION Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on THE SECOND COLLECTION ACCOUNT OPENED FRAUDULENTLY WITH ARS ACCOUNT RESOLUTION FOR THE SECOND TIME. 
Original Creditor : XXXXXXXX XXXX XXXX  XXXX account number XXXX with a balance of ANOTHER {$1400.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-16
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)

" Re complaint # XXXX It has been over 30 days. You must now delete all items ousted in complaint XXXX from my credit report. Since you were unable to validate these items in the 30 days allotted.
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: First National Collection Bureau, Inc. (TX)

This number is calling me at work and they should not be calling me. The number is from a First National Credit bureau and every-time i try to say to stop calling it hangs up. This is a work phone and they should not be calling me at work.
Consumer complaint received 2023-04-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc. (MS)

I went to Advance America to inquire about a loan ' I have never been inside of this business, I called first to ask what I had to have to receive a loan with them so I got the information they ask for and the XXXX that was there did my application this was on my birthday in XXXX and she never could look me in my eyes and never said any thing straight to me ; she told me that if I got the loan i could pay it off when ever I wanted to ; she did not tell me that I would have to pay back the same amount I borrowed ; that the I would only be paying XXXX or XXXX dollars on the actually account ; my bill was never going down I made XXXX payments and I stopped the XXXX one because I was not paying on the actually bill my payments was XXXX ; I ever received a receipt in the mail, I went up there and talked to XXXX of the workers and she gave me all of my paperwork ; I looked and seen I was not paying off this loan at all, these people at Advance America is targeting people that is on a fixed income no one that was young. I got a call on the today which is XX/XX/XXXX I told the young lady that it should be against the law to charge elderly or any person that much interest 248 % I had XXXX payment and they had me paying back XXXX XXXX dollars 3 times what I borrowed the account would never go down to pay it off.
Consumer complaint received 2022-04-28
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. (MI)

I am XXXX XXXX, the original creditor, consumer and natural person. We entered into a consumer credit transaction therefore the finance charge was taken when i signed the application. After the finance charge there usually a security interest thats left behind. Instead of giving me my money. Because all the money originally came from my social security number. Since i didnt accept the money they took the contract over for value. Which was misleading because they are suppose to tell you whats happening but they never did. This led to them infringing upon my privacy and sending my information over to consumer reporting agencies. Which i never gave them consent to do. That is fraud. Then the consumer reporting agencies are now committing fraud because they are reporting my information without my written consent which is illegal for them to do as well. Everything starts and ends with the consumer.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I recently viewed my credit report and noticed that it was an account that's closed on my report please remove it immediately because it stopping me from buying a home for me and my family date the acct was open XX/XX/2021 amount {$11000.00}
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (CA)

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 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
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

i the consumer sent Midland credit management a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/2021 They sent correspondence they were gon na cease communication and collection activities and they have yet to do so. in regards to inaccurate accounts with midland credit management i have no business with this company and have no idea how they even have any of my personal jnformations. This account is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to this company to start the court process.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MI)

I filed a dispute on XX/XX/2019.  See attached.American Express misclassified my dispute and it was denied.My dispute was not for fraud it was filed because the ATMdid not dispense certain transactions.It has been 42 days as of this writing and I have not beenissued provisional credit in accordance with Regulation E.
Consumer complaint received 2020-01-22
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: Flagstar Bank, N.A. (LA)

In XX/XX/2019 my mortgage was reported late. I phone in on XX/XX/2019 to pay my mortgage. The bank stated when trying to get the money out of the account. They had the wrong acccount number. I showed proof that the money was in the account at the time. It was a error on the teller part. They keyed the wrong information. Because of a error on their part my credit scores dropped.I have disputed they wrong reporting. I contacted the bank 3 times. No changed in the reporting.
Consumer complaint received 2021-10-25
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. (GA)

I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Sincerely,
Consumer complaint received 2022-01-10
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. (FL)

I got my credit report and dispute letter result on XX/XX/XXXX, the account that Ive disputed ( 5 XXXX accounts ) its still showing in my report. It did show accounts are ''accurate and verified '. I contacted XXXX XXXX 2 months ago- No response. 2 months later, TRANSUNION is still telling me these accounts are verified. How did that happen? XXXX XXXX couldn't give me any proof. 

I already filed and submitted a dispute and was told I need to wait because it is still pending/under review. I called on XX/XX/XXXX, XXXX XXXX. On the phone your colleague told me if you dont hear anything from XXXX XXXX on/or before XX/XX/XXXX. These accounts should be deleted. I reported and submitted a claim through CFPB. On the phone, you told me youd delete these accounts if you dont hear anything from XXXX. How come its still showing in my report? 

I have it all recorded as well. I sent you a copy of my 4 disputed letters. Along with my new dispute letter.
Consumer complaint received 2022-01-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/XXXX I began a credit consumer transaction at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon my consumer Credit transaction information pertaining to my contract was not disclosed to me nor was I made aware of such things that my finance charge shouldve included XXXX insurance but did not. Subsection 15 USC 1605 states determination of finance charge. Exhibit C property damage liability insurance premiums are included in a finance charge. In my consumer credit transaction my finance charge did not include insurance. Furthermore I was never made aware nor informed about my rights to rescission period on XX/XX/XXXX when I initially made a cash down payment of {$1000.00} the sales rep that I work with Advertised to me that I had to make a down payment in order to obtain the XXXX XXXX XXXX. Although subsection 15 USC 1662 states advertising of a down payment in installments says, no advertisement to aid, promote or assist directly or indirectly in any extension of consumer credit may state that a specified down payment is required in connection with any extension of consumer credit. Which my consumer rights were clearly violated therefore being defrauded in regards to subsection 15 US C 60 802A. A notice of requirement obligation with respect to disclosures of personal information. I was not made aware that hi could opt out of this consumer credit transaction reporting to my consumer report by any third-party reporting agency. I did not give my consent to have my consumer credit transaction to be furnished on my report yet it has been furnished without my consent which is technically identity theft and fraud.
Consumer complaint received 2022-07-05
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 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 also states a consumer reporting agency can not furnish an account without my written instructions.

The investigation conducted was not correct and this collection should be removed from my credit report immediately.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/year> Hello, I am writing this letter to contest the so-called resolution to my Experian dispute report number XXXX. Per the following screenshots from my Experian credit report ( see attachments ), you claim that I have XXXX XXXX XXXX federal student loan balances with a combined outstanding balance of {$35000.00}. However, I have already provided documentation ( including the XXXX XXXX Account XXXX XXXX used to validate my mortgage loan lending eligibility ) which clearly indicates that my total outstanding federal student loan balance at this time is ~ {$19000.00} across XXXX individual loan balances. Therefore, I require the third ( duplicative ) loan balance to be immediately remediated. In addition, my XXXX open student loan balances are missing the XXXX XXXX monthly balance so the balances are currently overstated.