davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (DC)

XXXX has placed me into collection for a bill they have not even sent to me yet. I ended my service with them on XXXX XXXX, and have yet to receive my final bill from them. However, I received a call today ( XXXX XXXX ) from a company purporting to be a debt collection agency called Southwest Credit Services, with whom I have never had any interaction previously. This person told me that XXXX has placed me into collection for a {$52.00} dollar bill that I have not received.
Consumer complaint received 2022-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (TX)

Disputing the following collection entry : Date reported : XX/XX/XXXX Collection Agency MEDICAL DATA SYSTEMS , INC . 
Original Creditor Name XXXX XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$10000.00} Amount {$10000.00} Status Date XX/XX/XXXX Status XXXX Balance Date XX/XX/XXXX Account XXXX XXXX XXXX Account Number XXXX XXXX Creditor Classification Medical or Health Care Date of First Delinquency XX/XX/XXXX Comments Medical MEDICAL DATA SYSTEMS , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the collector and the credit bureaus to dispute this entry in my credit report, and I also requested in person to XXXX XXXX XXXX XXXXXXXX the removal of this amount owed ( found out it is a charge for XXXX XXXX services to XXXX XXXX XXXX, explaining them that the bills were to XXXX XXXX and not to myself ( XXXX XXXX XXXX ) then the collection Company claimed that I am the financial guarantor of XXXX who as of XXXX was XXXX XXXX XXXX. I explained them that I can not be a guarantor of an adult as I am not the caring person of such adult not I signed any financial responsibility document at the time of his admission/treatment in their ER. 
The collection Company sent me as proof A screenshot of an old computer record for when I was a guarantor of XXXX XXXX Back when he was a child, but no admission proof/documentation for his XXXX visit during XXXX. They also violated HIPPA regulations as they shared in that document forbiden PII : mine and XXXX XXXX full social security numbers
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

On the morning of XXXX XXXX, 2016 ( this morning ), I pulled my Experian credit report and noticed yet another trade line ( collection ) that is reporting on my credit due to fraud/identity theft. I recently submitted a claim with the CFPB on XXXX XXXX and Experian has continued to be diligent in the process of removing false and fraudulent information reporting on my credit file. At this juncture, I would like to add yet another item to be disputed as Fraud. It is actively reporting on my credit under the name of XXXX XXXX XXXX to which is not my name XXXX XXXX XXXX XXXX XXXX. The collection company is XXXX. XXXX XXXX with them representing the creditor of origin XXXX XXXX XXXX. I have attached AGAIN the necessary documents to prove my identity.
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (KS)

I applied for the XXXX XXXX XXXX card the first week of XXXX, XXXX. With the offer on my XXXX XXXX XXXX there was a offer of XXXX points after spending {$2000.00} in the first three months. Rather than apply through the app - I was concerned about cyber security so called AMEX directly to apply for the card. I stated my reasoning for upgrading related to the XXXX points offer. I was approved for the card and was expecting to see the points after i spend well in excess of {$2000.00}. When i didn't i called to inquire : I called on XX/XX/XXXX and spoke withe XXXX # XXXX case was opened and would be resolved within 4 weeks XX/XX/XXXX. I called on XX/XX/XXXX and spoke with XXXX AMEX is no saying the issue has been reviewed and resolved and since " THEIR '' call taker did not mention the offer in the " conditions script reading '' that the dispute is denied. The offer continues to sit on my XXXX XXXX - they have charged me the {$95.00} annual fee. I have been probably a XXXX year customer of AMEX and XXXX . I called because of the offer on my XXXX App - i referenced the reason when i called - because THEIR representative didn't include in the fine print reading - I am denied???? Pure bait and switch advertising -
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX and transunion XXXX keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}
Consumer complaint received 2024-01-25
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. (NJ)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-01-25
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. (AZ)

Per FERPA ( FAMILY EDUCATION RIGHTS and PRIVACY ACT ) enacted in 1974, I have a right to privacy of student education records. XXXX has repeatedly violated my privacy & has failed to remove these items from my credit report.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that this account which I believe appearing to be inaccurate and incomplete be immediately investigated to the 3 credit Bureaus and corrected on my credit file. 
XXXX XXXX Balance : {$160.00}
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

ALL BELOW ADDRESSES WERE TOLD TO BE REMOVED AND ARE NOT MINE AND NEVER HAVE BEEN. XXXX  has been INTENTIONALLY DENYING THE REMOVAL OF THESE ADDRESSES phone numbers and names. 

NAMES TO REMOVE : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PHONE to REMOVE Phone Numbers : XXXX ; XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX lost XXXX of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2021-04-21
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: Experian Information Solutions Inc. (MD)

after sending 3 letters without getting a responce i am reaching out via cfpb claim I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 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 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. Thank you in advance.
Consumer complaint received 2020-12-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (TN)

I, XXXX XXXX XXXX, a avid consumer that knows my rights. On XXXX XXXX I recieved a collection letter from said party on behalf of XXXX trying to collect on a debt that I dont owe. Im not liable for any alleged debt & have sent me a collection statement without without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ). 15 USC 1692e ( 2 ) ( A ), 15 USC 1692b ( 2 ).
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

To whom it may concern i am an consumer i have repeatedly tried to contact XXXX, XXXX, and Experian via letters and they have repeatedly and purposely avoided fixing the issues, with my consumer report, on the date of XXXX i sent my first certified letter with no response for months and i sent more letters and still no response. the letters stated that XXXX, Experian, and XXXX were inaccurate reporting items on my consumer credit report.I read according to 15 U.S. Code15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-02-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (GA)

I purchased a 2018 XXXX XXXX in 2018, which was financed by Ally Financial. I purchased Gap Insurance at the time of financing. The vehicle was involved in an accident XXXX XXXX declared a total loss. XXXX XXXX paid Ally {$27000.00} ; the amount calculated as the value of the truck according to their records. This amount did not satisfy the loan, so I followed up with Ally in reference to the Gap coverage. Ally proceeded to inform me that they did not hold the Gap Insurance and that I needed to contact them. I inquired as to the name of the carrier and several telephone numbers were provided. I contacted one the numbers and the assistor answered Ally Financial, this left me very puzzled. I proceeded to inquire about the procedure for filing a claim to have he loan satisfied ; the assistor advised of several actions and documents that I needed to provide and that I would probably need to contact the dealership for some of the information. I contacted the dealer, obtained the requested information/documents and forwarded to Ally. After a few weeks passed I contacted Ally to check the status. I was informed that it was still being reviewed and once a determination was made payment would be issued. A payment of {$51.00} was made toward a balance of approximately {$1700.00}. This amount is continuing to accrue penalties and interest as an unpaid balance. From what I was advised it is also being reported to the credit bureaus.
Consumer complaint received 2016-10-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd. (TX)

I am frequently called by Harris and Harris at my home landline. They leave a vague message of attempting to collect a debt [ no name of who they are attempting to contact ] with instructions to call a number that is a long distance number. Even if I answer the call direct when I am home it is the same recording to call the number back. This has gone on all of 2016 and almost every day of a given week. I initially called the XXXX number to ask to be removed from the system robo-call or whatever it is. The line leaves you on hold incessantly and runs up time and I hang up. I have no debt or owe anything that would be in collections.
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible, thank you.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I have been contacting Experian to please remove any fraud alerts on my credit profile because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  along with mortgage brokers can not access my Experian due to a Fraud Alert. 

I Respectfully contacted the fraud alert dept at Experian to please remove and add my primary address on my credit profile. This credit issue has been going on since XX/XX/2022. When the first bank couldn't get access. 

They gave me two dispute numbers for the address request and we are still here in XXXX still trying to fix the problem. 

I expressed to them we are in a contract and need this issue to be resolved asap. I researched and saw people with nightmares who have dealt with the same problem. They regret being cautious and putting a fraud alert just in case. I did it due to losing my wallet but thank XXXX I wasn't a victim. 

We are here now in XXXX looking to buy a home and I can't simply remove alerts or add my priamy address to my credit profile. That's the only thing stopping us from signing our closing.
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

On or about XXXX XXXX, XXXX and XXXX XXXX, XXXX, I disputed a XXXX debt in the amount of {$2200.00} on my credit report Account # : [ Acct # XXXX ] asking that the credit bureaus show validation of this debt that I owed it, without sending me an viable evidence I indeed owe this debt. XXXX send me some kind of an agreement, which had not signature. Since the CRA have posted the debt on my credit report, I have the right to verifiable evidence this debit belong to me.
Consumer complaint received 2017-08-16
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. (GA)

this is a XXXX account i disputed as fraud and had a fraud alert put on my account and it still shows up on my credit report. shows a balance of XXXX its a fraud. thats why i placed a fraud alert.
Consumer complaint received 2015-11-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Northland Group Inc (AZ)

I have disputed this collection before and it was removed from my credit report. Now it is back and they are sending me letters trying to collect a debt I do not owe. This account does not belong to me. I have never had an account with this Creditor. I am requesting that it be removed from my credit report. If you fail to remove it, you are required by law to provide proof that the debt is mine. Please see the attached document and the comments.