davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adelante, Inc (TX)

I sent a validation letter with this collection agency via certified mail asking for a sufficient proof that in fact this debt for {$240.00} is mine. They received the letter on XX/XX/21. Until now they have not put a dispute comment in my credit report even if I have already sent them couple of letter about furnishing a dispute comment in my credit report. I did some research online and it is clearly a violation, also in addition to that they never responded to my letter and keep ignoring me. There is also no original creditor written in the credit report it is incomplete. Please help me with this matter.
Consumer complaint received 2019-10-26
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-04-30
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  Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, And XXXX XXXX XXXX Account XXXX 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
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

I have been reporting this fraud activity yet it is still in my credit report. I did not the make any transactions with them. Date Opened was XX/XX/2020 with an amount of {$2800.00}
Consumer complaint received 2018-02-15
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)

All inquiries were made on address I no longer reside and have not lived it in more than 2 years.

XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX   XXXX  Multiple Inquiries were made on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ( XXXX ) inquiry was made on XX/XX/XXXX ( Experian ) 4 inquiries from XXXX XXXX alone!

XXXX/XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX The inquiry was made on XX/XX/XXXX ( XXXX ) XXXX - No credit contact information available on my credit report and the bureau still refused to remove it. There is no way for me to contact the company.

The inquiry was made on XX/XX/XXXX ( XXXX ) After checking my report in XX/XX/XXXX, I noticed all of the XXXX inquiries, I put a fraud alert on my account, this only helps if credit is approved because credit can not be extended if the company does not reach out to me directly. However, it does not prevent criminals from applying for credit, after I initiated my fraud alert some additional attempts were made and the inquiries still count against me. I contacted the credit bureaus and the companies XXXX, XXXX, and they said there was nothing they could do because credit was not extended. The credit bureau stated they could not take the inquiry off my credit. They only directed me to contact the companies directly ; the companies send you in circles because you do not have an actual account therefore no one helps you. I tried contacting the local police to see if i could file a report however nothing was done because no credit was extended.
Consumer complaint received 2021-06-09
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)

On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-02-15
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. (CO)

I believe that someone's information has been included with my credit report as the address on my credit report has my current address and someone's address listed as in XXXX XXXX, Hawaii. My wife nor myself has ever lived in Hawaii. It has been years since I have been late with a payment on credit card or loans and yet my credit score is low. I believe this is a result of someone else has information listed on my report. I have tried to notify Experian and yet this has not changed. I would appreciate you help to resolve this issue. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

In XX/XX/XXXX, I consolidated my XXXX XXXX XXXX and XXXX XXXX XXXX student loans into FFEL Consolidated loans. In XX/XX/XXXX, the College Cost Reduction and Access Act of XXXX was passed. I contacted my loan servicer in XX/XX/XXXX/XX/XX/XXXX concerning this program and what needed to be done. I was told I was eligible because my original loans were XXXX XXXX. I waited based upon this information. I checked on line in XX/XX/XXXX and everything seemed fine. I applied to XXXX for Public Service Loan Forgiveness as I had made 120 payments since XX/XX/XXXX and had worked in public service for 10 years. I was denied because my loan didnt qualify, the first time I was told this. They told me I had to consolidate into a Direct Consolidation and wait another 10 years. My current loan would be paid off in XXXX.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (PA)

On or about XX/XX/2020 I attempted to pay a wireless cellphone bill that was in another parties name which when the wireless phone company attempted to obtain the {$5.00} fee for the cell phone bill they submitted there request to my US Bank relia debit card account by using the other party name and address who is on the wireless phone company account which US Bank card Holder services rejected the request which was a honest mistake made by the wireless phone company which US Bank card Holder services placed a Restriction on my US Bank relia debit card account on XX/XX/2020 making it unable for me to withdraw any of my Money that is on my US Bank relia debit card account which I have over 12k in that US Bank relia debit card account which they instructed me to Fax US Bank card Holder services Proof of my current Address and my Identity which I Faxed my Proof of my Address & my Identity twice on XX/XX/2020 & XX/XX/2020 and US Bank card Holder services has refused to still Remove there Restriction that they placed on my US Bank relia debit card account causing me Not to be allowed to withdraw any of my Money that is in my US Bank relia debit card account which is Ineligible account now and since XX/XX/2020 I have been unable to obtain any of my Money from this US Bank relia debit card account to buy Food for my home and pay my bills which are Past due can some one Please Please help me get this US Bank card Holder services to Remove there Restriction they placed on my US Bank relia debit card account or what other options due I have to get my Money off of this US Bank relia debit card account Please help me???
Consumer complaint received 2021-07-01
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: CITIBANK, N.A. (NY)

My communication is in regards to the Macys account furnished on my consumer report that I want deleted. Now, according to 15 USC 1681a ( 2 ) ( B ) it says a consumer report does NOT include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is, the term credit card mean any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the card I used to grant the right to this debtor making it a creditor, to then extend credit back to me. This is a violation of the FCRA and a consumer right to privacy. Congress clearly states what should be excluded from a consumer report therefore delete this account immediately.
Consumer complaint received 2021-08-23
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: ENCORE CAPITAL GROUP INC. (MN)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2019-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NC)

I called and talked to them they couldnt find me on any account. 
And this was some charge from ky I explained I live in nc and never have be in any hospital in Ky All they said was my insurance paid a bill there so it belongs to me. 
I explained it again I never been to a hospital or anything in Ky Ask for supervisor and they hung up
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (AZ)

XX/XX/XXXX - received email from XXXX that XXXX XXXX XXXX charged me {$3600.00}. Email stated card number was keyed in. I called American Express immediately and was told it would be taken care of. Charge was pending. I requested a new card and it was shipped to me. 

XX/XX/XXXX - Fraud Charge is now posted. I called American Express again and was told not to worry its being investigated. 

XX/XX/XXXX - Called because charge is still on my account. I was told they haven't done anything yet and they will investigate. They have no record of my second call and claim the charge as pending on my initial call so they couldn't get anything started.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I have made more 3 types with XXXX, Equifax, and XXXX XXXX to update my personal address to my credit reports. They continued to denied my request. I also advised that any social security numbers that have listed to my account are to be removed and they have not compiled with request. Also, they are listing multiple contact phone numbers to my report. And I advised I have no numbers listed. I see that here you state not to list personal information in compliant as to have them update account. Please can you assist to have it updated and request to show updates to my report. 

Thanks, XXXX XXXX
Consumer complaint received 2023-01-25
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)

EQUIFAX, XXXX, XXXX and XXXX XXXX XXXX  are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 12 CFR 1006.34 15 USC 1692g as well as12 CFR 1006.30 ( e ) 15 USC 1692j ( a ), I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 12 CFR 1006.22 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with XXXX XXXX XXXX XXXX they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between XXXX XXXX XXXX XXXX XXXX XXXX. EQUIFAX XXXX, and XXXX has not provided proof that they verified the consumer was given the chance for the information not to be shared and the consumer chose not to opt out every time they have received information pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) .they have not provided any proof that information solely on transactions or experiences between the consumer and the person making the report is not to be excluded from a consumer report pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). I never gave them consent to furnish anything on my consumer report as described in 15 USC 1681b.They have not provided any judgements made against me or any original notes .This is directly impacting my life as I have been denied for credit because of them.
Consumer complaint received 2022-04-30
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. (MT)

I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these fraudulent items. I need this removed asap
Consumer complaint received 2019-08-28
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: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX I entered into a contract with XXXX  XXXX out of XXXX, SC I immediately started having problems with them and I appealed to both attorney generals of s.c. and georgia Neither of whom could help me, then they started changing my mortgage around to mortgage companies they owned specifically XXXX XXXX and XXXX XXXX. I entered into a loss mitigation contract with them last winter and they are now threatening to start foreclosure although I have kept up the payments. They, in XXXX of XXXX made a notation on my credit report that they had signed the property over to me then after a complaint to the credit bureau they took it of my credit repoort although it was given to me in a bankruptcy, withut a deed to file it what can I do? I also have heard that they are planning on selling this property and several others to XXXX XXXX Isn't this a violation of the bankruptcy regulations and how could the credit bureau tell me they are talking to XXXX when XXXX XXXX put the notation on my credit report, which has now been removed and and I want to know WHY??? HOW?? 
Haave I no protection here? Now they are threatening eviction if I don't pay more by XXXX and we just heard farom XXXX today for the first time ... .They have flimsy contracts and ow they are threatening to cancel my loss mitigation with no reason and startbeviction check out my credit report I think it was Experian in early XXXX, though it might have ben XXXX.. I have complained to BANKING AND FINANCE AND SENT THEM A BIG PACKAGE with pictures and everything
Consumer complaint received 2019-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (OH)

THIS DEBT WAS A RESULT OF SOMEONE USING MY ID TO OPEN A UTILITY ACCOUNT WITHOUT MY KNOWLEDGE.CREDIT MANAGEMENT LP # XXXX I DO NOT HAVE XXXX XXXX!
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (MA)

XXXX. Over the past XXXX years, I have notified American Express numerous times, through both phone communications and U.S. Mail, that the debt they are attempting to collect is a result of identity theft. I have diligently provided evidence and documentation to support my claims, yet American Express has consistently refused to acknowledge my claims. 

XXXX. Despite my repeated notifications and the clear evidence of identity theft, American Express has persisted in reporting these fraudulent accounts on my credit reports, causing significant harm to my credit history and financial well-being. 

XXXX. American Express 's refusal to acknowledge my claims and their continued attempts to collect on this fraudulent debt are in direct violation of consumer protection laws and have caused undue stress and financial hardship.
Consumer complaint received 2020-07-23
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. (CA)

Hey guys. Right off the bat I want you to know I'm a nonchalant type of gal. I try not to sweat the small stuff because it just creates a lot of unnecessary worry. The truth is I'm only writing this complaint because I've spoken to a lot of other friends who are going through the same thing and they all convinced me to write this complaint so you know what the credit bureaus are doing or rather not doing in this case. 

A bunch of friends of mine as well as myself were looking into buying houses because the market is CRAZY right now. Interest rates are super low and its a great time to buy. We are all trying to prepare ourselves to go to a bank or mortgage lender and get qualified for a house. We all know our credit is an important factor in getting approved for a mortgage so we advised each other to review our credit reports and check for inconsistencies or items that are wrong. Personally, I'm of the mind of que sera, sera. At the same time I also know how important this is for ally my friends and regardless of my personal feelings, facts are facts. So in light of that, I'm moving on to the nature of this complaint. 

I know that I sent dispute letters to the credit bureaus on XX/XX/XXXX. I know I didn't receive a response for those letters. I know that after no response from them, I submitted a second round of disputes on XX/XX/XXXX. I know its too early to expect responses from XX/XX/XXXX, but I know since I never received a response from my initial disputes, I know I can't expect a response this time either so I am still filing a complaint because technically the responses to my initial disputes are now 32 past due and this complaint is warranted. And although I can't file a complaint on their behalf, just know that there are several of us that this is happening to so I know the credit bureaus are doing it on purpose.
Consumer complaint received 2018-02-15
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. (IN)

XXXXXXXX XXXX. Billed me for an account i never opened, including landline telephone service, when I don't even have a landline in my home. After many calls to XXXX they admitted they error and said they would fix it. I found a collection on my credit report to Experian, filed a dispute. XXXX is claiming it's valid and remains on my credit report. Again, I have never had nor will ever have any accounts or services with XXXX.
Consumer complaint received 2018-02-15
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. (NV)

I have made more 3 types with Experian, XXXX and XXXX XXXX to update my personal address to my credit reports. They continued to denied my request. I also advised that any social security numbers that have listed to my account are to be removed and they have not compiled with request. Also, they are listing multiple contact phone numbers to my report. And I advised I have no numbers listed. I see that here you state not to list personal information in compliant as to have them update account. Please can you assist to have it updated and request to show updates to my report. 

Thanks, XXXX XXXX