davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Pursuant to 15 U.S. Code 1692g, my rights have been violated under both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) because Experian has continuously allowed XXXX to report erroneous information on my credit bureau report that I repeatedly disputed. This is abuse and harassment and a direct violation of my rights as a consumer. 
XXXX is pursuing me for a {$320.00} early termination fee because they claim was locked into a 2 year agreement. An agreement that I vehemently deny and XXXX can not furnish proof for. Surely, they would have captured my consent to a two year agreement in some form be it verbally, written or electronic and they have failed to produce it. The burden of proof is on XXXX and they need to provide proof that I was aware of and in agreement to a two year agreement otherwise this disputed erroneous information needs to be removed from my credit report immediately. 
My FICO dropped 46 points once this erroneous adverse information from XXXX was reported to Experian and I demand that this information is removed from my CBR so I can be made whole again.
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

I recieved a response from XXXX XXXX account ending in XXXX on XX/XX/XXXX for a late payment that was at no fault of my own. I have been with company since XX/XX/XXXX and have never had a late payment and due to the fraudulent activities that has transpired during this time I was forced to take measures of protecting myself. I have mailed out letters seeking aid for this malice report of a late payment and the company responded stating that their findings were accurate when it is not. I have also experienced this poor reporting from XXXX XXXX XXXX account number XXXX. I need these accounts to be properly disputed for removal of these late payments because I am facing disiciplinary actions with my employer and may lose my job because of this fraud and that will not happen! I am very disappointed to know that my security and livihood isnt being considered!
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recieved a response from XXXX XXXX account ending in XXXX on XX/XX/XXXX for a late payment that was at no fault of my own. I have been with company since XX/XX/XXXX and have never had a late payment and due to the fraudulent activities that has transpired during this time I was forced to take measures of protecting myself. I have mailed out letters seeking aid for this malice report of a late payment and the company responded stating that their findings were accurate when it is not. I have also experienced this poor reporting from XXXX XXXX XXXX account number XXXX. I need these accounts to be properly disputed for removal of these late payments because I am facing disiciplinary actions with my employer and may lose my job because of this fraud and that will not happen! I am very disappointed to know that my security and livihood isnt being considered!
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (FL)

XXXX XXXX  turned me over to Franklin Collection Services for an account opened in XXXX XXXX MO. I have never lived in MO. I contacted XXXX XXXX XXXX in XX/XX/XXXX and requested proof that the debt is mine. They refused to provide any proof and said I must work thru XXXX XXXX. I contacted XXXX XXXX and filled out the web forms and proof of my residency for the past 15 years. I also asked for proof of the debt, such as address of the service, date opened, etc. I have received nothing. I again called Franklin Collection services today, XX/XX/XXXX and they refuse to provide any proof this is my debt. But they have reported me to the credit bureaus causing a huge drop in my credit score. 
Again, if this is my debt I can afford to pay it. But I have no proof of the debt and have no avenues remaining to get this resolved. The total debt is {$430.00}.
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-02-28
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. (TX)

On or about XX/XX/XXXX I disputed an item on my credit report as this account did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. As of XX/XX/XXXX I have not received any information from XXXX XXXX XXXX regarding my request for validation of this debt. Furthermore the item remains on my credit still reporting negative with the remarks " consumer disputes after resolution. Collection account ''. XXXX XXXX XXXX XXXX has failed to fully investigate this account to ensure it was legally opened by me. This account is not mine and they have failed to comply with my request. Acct # ending in XXXX -Date Assigned XX/XX/XXXX
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

I'm attempting to link debit cards from PNC Bank to XXXX  and PNC is not allowing it. My cards were linked but PNC did a security update and the accounts were removed from XXXX. I've contacted PNC and XXXX, both could not resolve the issue.
Consumer complaint received 2020-10-13
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: AMERICAN EXPRESS COMPANY (NJ)

XXXX  has not contacted me in 40 days and i still havent received anything delete all negative accounts not mines I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I have filed a complaint with the FTC due to your noncompliance with the FCRA. it has been over 35 days since I have sent my request to investigate the removal of the following accounts, and you have failed to comply with the FCRA. 
In good faith, I ask that you please reinvestigate the following items, and promptly DELETE inaccurate, incomplete or unverifiable accounts : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX   XXXX XXXX Balance Owed : {$0.00} AMEX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Balance Owed : {$0.00} AMEX XXXX Balance Owed : {$2600.00} XXXX XXXX  XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$1300.00} Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Copy of SSN ID and Proof of Bil
Consumer complaint received 2020-08-19
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: DISCOVER BANK (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of America very craftily has come up with a way to circumvent the FCRA. By allowing you to open a banking account, depositing funds and then closing your account cite a statement in their terms of service that says they may end the banking relationship at any time. This is a blatant violation of the FCRA which clearly states banks must provide a clear reason for denial and provide what they use to make the decision for denial Bank of America is also violating anti-discrimination laws. With language as they have written in their terms of service such as : we may end the banking relationship at any time, they have absolutely no proof accounts are not being closed based on discriminatory information, or practices. By not providing clear letters stating the reason for denials or closure and what information was used in making those decisions
Consumer complaint received 2020-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patenaude & Felix A Professional Corporation (CA)

In late XXXX, XXXX XXXX took me to court and quickly got a default judgment order on me because they never sent me any notice of being sued. 

When I found out in late XXXX, I got the order reversed and counter-sued them. This went on for about a year and a half. 

XXXX XXXX has never sent me any documents nor anything to prove I owed the debt. During the settlement conference in late XX/XX/XXXX, the judge and two lawyers threatened me that if I did not accept the terms, I will owe more because I can not win in court to the tune of {$65000.00}. The debt was never mine. XXXX XXXX used fake documents and checks to say it was mine. They owned my home loan and of course they had copied of checks I sent them. I was promised copies of every document before I made one payment plus a signature from a some high authority from XXXX XXXX of documents. Nothing was sent to me except a threat. The signatory was a legal analyst from their office. Hardly anyone of authority. Why didn't the lawyer present sign that document? This was a scam from the beginning. They knew they were going to get the FULL amount from the start by offering to reduce the amount. They scammed me and scared me. I was on medication at the time of the settlement. I was emotional and could not think straight. I would have agreed to anything that day. 

$ XXXX was agreed upon, Now, it is the full amount of {$32000.00} and growing. This is so unfair. I want to go back to court and sue them for fraud. I believe XXXX XXXX sold the debt to XXXX and XXXX. They own the debt, not XXXX XXXX. If that is true, that is fraud in itself. 

Worst of all, they are using the pandemic to file documents against knowing that the courts are closed down.
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MI)

I have tried to get my Equifax credit report from XXXX but I keep getting the error " Online Delivery Unavailable : We are not able to deliver your free Equifax Annual Credit Report online. '' and they request sensitive documents be mailed to them. I have tried on multiple different days and from different browsers and computers, to no avail. I have verified all info is correct. Other bureaus work fine.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

Called Equifax @ XXXX but their operators do not pick up. Was required to give a ton of information to " verify '' my identity, only to have the call go straight to their survey ... TWICE
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2020-04-28
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. (AL)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX   XXXX  XXXX {$360.00} COLLECTIONS XXXX {$1000.00}
Consumer complaint received 2022-01-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (UT)

Credit Acceptance claims that I never utilized the service contract for the vehicle, while not acknowledging that they refused to extend the Service Contract to a XXXX XXXX. 
https : //www.dmv.org/ut-utah/automotive-law/lemon-law.php Utah Lemon Law Utah has a lemon law to protect you in case the new car you buy or lease is so seriously flawed that it can't be repaired ; in other words, if it's a lemon. It's very rare, but it happens. 

Basically, the Utah lemon law allows vehicle manufacturers a number of attempts to repair your new vehicle 's defect or malfunction before they'll need to either replace the vehicle or refund your purchase. 

On this page you'll find an overview of the Utah lemon law, the criteria a car must meet to be classified as a lemon, and the steps you may need to take to remedy your issue.

Protections Under the Utah Lemon Law The New Motor Vehicle Warranties Act applies to new cars and motor homes under warranty in Utah. Used vehicles are not protected under the Utah lemon law. 

Under the law, the buyer is entitled to a refund or replacement if the vehicle meets all of the following criteria : The vehicle must have been bought in Utah. 
It must be new and under warranty. 
It must weigh under 12,000 lbs. 
The defect must " substantially impair the use, market value, or safety of the vehicle. '' The manufacturer must have tried to resolve the defect at least 4 times OR the buyer must have been unable to use the vehicle a total of 30 days, whichever comes first, during the first 12 months of the warranty. 
The defect must not be caused by owner neglect, abuse, or unauthorized vehicle modifications. 
The buyer must adhere to the manufacturer 's informal dispute settlement or arbitration procedure, if there is one. 
Many manufacturers use the XXXX XXXX XXXX Auto Line as an informal dispute settlement service. Contact your vehicle 's manufacturer or refer to your owner 's manual for details. 
NOTE : Be sure to keep records of any vehicle service orders, receipts, or correspondence you may have had with the vehicle manufacturer or the authorized dealer/service facility that has worked on your car.

Filing a Lemon Law Complaint in Utah
Consumer complaint received 2021-09-01
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. (TN)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (RI)

I received a discharge for my CH XXXX Bankruptcy on XX/XX/XXXX. Nonetheless, several credit card companies continue to show late payments or other derogatory marks against me on my credit report. It shows up and weighs down my FICO account, and is hurting the Interest Rate I'm able to receive on my home refinance. I reached out to all of these companies through XXXX XXXX website, but the majority of them were unwilling to correct the false information. Its so frustrating, and feels criminal! I know there's bigger problems in the world than this, but its frustrating because it seems so simple to fix, and should have been done years ago. I have included PDF 's and screen shots that show which companies are included. 

None of the follow should show any derogatory marks or late payments. Its included in the PDF 's as written ( " XXXX  - False Late Payments on Credit Report pre-bankruptcy XX/XX/XXXX '' ).
Consumer complaint received 2020-04-28
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. (TX)

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$2800.00} {$2800.00} ftc violations XXXX  CARD Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX
Consumer complaint received 2022-09-10
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. (IL)

XXXX XXXX 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the XXXX5 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I have a " potentially negative '' report on my credit report that I have tried to dispute multiple times now and it keeps popping back up. I have contacted XXXX XXXX  XXXX and they assure me the account is paid in full and closed. Yet after each dispute it comes back onto my report. I am trying to secure a mortgage and do NOT need a loan I paid off continually popping up as negative. This is wrong and illegal and harming my credit. Two years now this has been on my report.