davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MA)

There is concern for not being able to access report online and the information displayed to verify my identity/account is not associated with me. In speaking with XXXX, ID XXXX to request a mailed copy of my report I was provided Conf # XXXX, and informed a report would be received within 10 business days. 

On or around XXXX XXXX, 2017, I telephoned Equifax to report missing checks, a fraud alert that was initiated by the bank and to confirm Equifax security freeze. On this date, I was informed that a credit report was processed and would be mailed ( Conf # XXXX ). I have yet to receive a credit report from Equifax.
Consumer complaint received 2020-04-23
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: Experian Information Solutions Inc. (NY)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-08-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (IL)

I received a Delinquency Notification dated XX/XX/2020 from Harris and Harris, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX. In the detail box on the invoice it shows a series of account # 's, dates and amounts owed of services from XXXX XXXX XXXX   XXXX XXXX. 11 of these transactions are duplicated on the invoice this company mailed to me. The claimed amount due is {$3700.00}. This is {$1500.00} more than what was the confirmed amount of {$2700.00} by the service provider, XXXX XXXX XXXX XXXX. And 2 of the detailed services are services for my Husband, who has a separate account. Additionally, we had Health Insurance with XXXX during the time of the services. 

An Example of this : ACT # ending in XXXX XXXX XXXX XXXX XXXX Date of Service XX/XX/2020 {$480.00} ( this is on line 28 and line 34 of Harris and Harris 's Notification ) I called Harris and Harris on XX/XX/2020 to dispute the debt and called XXXX XXXX XXXX XXXX to have the debt pulled from Harris and Harris.
Consumer complaint received 2020-06-28
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. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to  follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2020-06-28
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. (NV)

EXPERIAN HAS REAPPLIED ONE ACCOUNT THAT WAS DISPUTED/DELETED WITH XXXX XXXX XXXX THAT NOW SHOWS AS BELOW ON MY CREDIT FILE : XXXX XXXX {$0.00} Closed 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX XXXX XXXX {$0.00} {$750.00}
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Identity Theft! There are accounts in my credit report that are not mine. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters! Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MI)

I was alerted to a drop in my credit score via my credit card company in. After accessing my credit reports from all three reporting companies, I discovered a fraudulent collection entry by Sequium Solutions ( XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX ) on XX/XX/21, saying we owed money to an internet provider and claiming we lived at an address we never lived at. We contacted the collection agency, Sequium, who made NO attempt to resolve our issue. They seemed only set on collecting as much personal information from us as they could. We declined to provide any additional information. We have filed disputes with all three reporting agencies alerting them to the fraudulent collection claim as well as asking to remove previous address entries and phone numbers that were fraudulently added to our personal information.
Consumer complaint received 2021-08-09
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. (SC)

I XXXX XXXX have been reaching out to this company for months to remove these items from my consumer report. I have sent letters and made calls and for some reason I couldn't get any cooperation from them. I think this is disrespectful to the consumer that agencies are furnishing my report without my consent which is a violation of the FCRA. I want these accounts removed from my consumer report immediately it is hindering me from using my own credit which is right that have as a consumer.
Consumer complaint received 2020-06-28
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. (FL)

I was car shopping but couldnt make a purchase because I do not have a valid license. I submitted an inquiry to speak to someone about the car buying process because I have never bought a car before. I have to wait until XXXX to get my license due to covid. This morning I randomly get an email from XXXX XXXX with rates for a car but I have never talked to anyone. 
I checked my credit and saw six inquiries from multiple banks that I Did not authorize at all.
Consumer complaint received 2018-07-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Convergence Acquisitions, LLC (OH)

XX/XX/2018 I decided to get on the XXXX county clerk of courts website to check on a landlord i wanted to rent from after I checked there file i decided to check my information and I found XXXX XXXX, XXXX suing me in the amount of {$1100.00}. 
Case Number XXXX .I fell this company violated my rights they never once contacted me one time about this so called Bill i owe. I don't know who XXXX  XXXX, XXXX is. And to make matters worse i acknowledged they sent the summons to my old address on purpose to get a default judgement against me. I can't get any information about this case a court date who and what this case is about. I did send them a quick letter that I didn't really have enough time to make sure the letter was written correctly.
Consumer complaint received 2023-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a human being a natural person and I have rights under the Fair Debt Collection Practices Act. Transunion and XXXX XXXX XXXX are governed by this act. I am disputing the below referenced inquiry because I do not recognize nor recall this debt. Please verify this debt, specifically the contract, note or other instrument bearing my signature. 

XXXX XXXX XXXX- Inquiriy because I am disputing this debt, it should not be reported to or by the credit reporting agencies. It has already been reported, so please contact Transunion and inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctl violates the Fair Credit Reporting Act. 

Aside from the verification of this debt, the creditor MUST NOT CONTACT ME ABOUT THIS DEBT. The Fair Debt Collection Practices act, 15 USC Section 1692c requires that they honor this request. Their cooperation is appreciated.
Consumer complaint received 2021-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IA)

On Monday, XX/XX/2021, I overnighted a payoff check to Chrysler Capital for my auto loan account. I received confirmation of signature and delivery that it was delivered on Tuesday, XX/XX/2021 at XXXX XXXX. It's now Monday, XX/XX/2021 and as of today the check has not been cashed and my account is still open. I submitted 3 requests via Chrysler Capital 's inbox feature and they continue to close my cases without doing anything. I called about this five times and was told each time the accounting department would look into this. I still haven't heard back. I called again on XX/XX/2021 and employee number XXXX told me I needed to fax a copy of the front and back of the cashed check. When I told her they had the check and it hasn't been cashed, she continued to repeat herself and then hung up on me. Now they have drafted my account again for another payment, interest continues to accrue and I don't seem to be able to close this account.
Consumer complaint received 2018-05-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CO)

Debt was written off by XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. Absolutely no attempts to collect this debt have been made by company since then. In XX/XX/XXXX company mailed a XXXX Cancellation of Debt to me which I did not receive until approximately XX/XX/XXXX, to late for me to include it on my XXXX tax forms, because they mailed it to the wrong address. Company discharged debt in the amount of {$1000.00} but have continued to report on a monthly basis a " Not Paid '' amount to credit reporting agencies in the amount of {$1800.00} ( I believe the discrepancy is their fees and interest ). I have been forced to pay hundreds of dollars in taxes and fees on this amount because they didn't provide the required tax documents to me in a timely basis and because they failed to attempt collection for more than 36 months this XXXX should have been issued for XX/XX/XXXX not XX/XX/XXXX.  Furthermore, because of the XXXX XXXX XXXX for their decision to no longer pursue collection of this debt the " Failure to Pay '' code should have ended at the very least in XX/XX/XXXX if not the actual 36 month period of XX/XX/XXXX. As a consumer it is extremely inequitable that the company gets all the benefits of their tax write offs and to basically do whatever they want while I am forced to claim this as additional income and pay taxes on it while still being expected to pay the debt and placed in a position to pay thousands of dollars extra for my mortgage loan and car loans and substantially effect every aspect of my life by continuing to report this on my credit. I have disputed this multiple times with the credit reporting agencies along with a copy of the XXXX and always get the same answer that the debt is " confirmed ''. And still every single month the amount of {$1800.00} is reported monthly as not paid driving my credit score down. It wasn't doing this until I filed a complaint with the credit agencies, now I feel almost like i'm being retaliated against for filing a complaint they are making sure my credit score goes down every month because of a derogatory payment report. These are unfair credit reporting practices that benefit the business at the extreme detriment of the consumer. Their issuance of the XXXX cancels the debt, that should have been the end of credit reporting.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (CA)

A few years ago I received a traffic ticket, and the ticket ( along with related information, how to pay, etc ) was mailed to an old address without my knowledge. Being a busy student at the time, I allowed myself to forget about paying the fine. Several months later, after the ticket was long overdue, I was contacted by the company in question ( AliianceOne is there name I believe ), and they informed me that the DMV was contacted by them and my license was put on suspention, and that I would not be permitted to remove the suspention until the ticket had been paid in full. Upon calling the company 's 'customer service ' line to pay the fine, I was informed that my debt owed was munmentally higher than what my initial ticket fee was. Granted, I'd understand if a late fee was added due to my neglegence, however my inital fine was a few hundred dollars, and I've since been informed that my current bill is something around {$3600.00}. 

I am a recent college graduate, and thanks to these shady business practices, my license is still on suspention ( its been a few years now! ), and because of this I have been unable to maintain even a third-rate part time job. If I'm expected to even be able to pay the inital ticket, let alone the thousands I owe in government-funded student aid, I need to be able to drive. I have offically given up on being able to live my life at all thanks to these disgusting and greedy practices, and if anyone ( besides myself, of course ) should care about this, it should be the US government, who is going to be out almost {$20000.00} in student loans I can not afford to pay, solely becuase I can not even legally drive a car! How else am I supposed to make money to pay the debts I owe? 

Thank you for taking the time to read this, I sincerely hope a righteous decision is made promptly. 

XXXX XXXX
Consumer complaint received 2018-07-12
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: EQUIFAX, INC. (FL)

I have multiple inquiries from XXXX XXXX showing on my Credit report and I have tried multiple times to have them removed. I have been given the run around no one ever responds and the Credit agencies request I contact XXXX for a letter of deletion. 


Inquires date : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX ( promised by rep after preapproval that i wouldn't get a hard inquiry on report )
Consumer complaint received 2020-05-14
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: Experian Information Solutions Inc. (AL)

My identity has been compromised. I found out because XXXX  XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NJ)

Ok so I had about 46 dolllars in my checking account for a pending gas station fill up which costed {$42.00} the payment went through but out of no where a automatic transfer of XXXX dollars ( think the branch set it up with out tell me ) from my checking to savings happen costing me XXXX dollars in negative including the XXXX dollars overdraft fee called abd they kept saying that they can't do anything try asking th person who is also linked in my bank account. What annoyed me the most is that I set up the bank account on the XX/XX/XXXX and had a random automatic transfer set up with out tell me leaving me with a over draft fee
Consumer complaint received 2021-02-22
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. (IL)

There is an XXXX XXXX on my Experian credit report that is not mine - this card was not opened by me and does not appear on my report for any other credit bureau. I only have one account open with XXXX - I have paid it off entirely and never been late. The other card that I don't have any information for, thus is evidently fraudulent is overdue and maxed out. They are alerting me that the company ( XXXX ) said it is mine, so after the initial dispute they put the card back on my acct ; however, at this point, it is evident that it is fraudulently opened with my social security number. I need to have this account removed and investigated for fraud.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This would be the second time I 've submitted a request to investigate inquires on my credit report that I did not believe to be mine or requested by me. I most recently sent Transunion another request to investigate the inquires. I requested to provide me documents upon their investigation showing my signature or something supporting I authorized it. The letter was received by Transunion on X/XX/2017 and on X/XX/2017 I received a letter from Transunion explaining what an inquiry was as their response. Obviously I know what it is, but my request was to investigate it. Since their letter was sent to me so quickly I am positive no investigation was done as I had requested. The letter I sent was certified so I can support when Transunion received my letter. This is the second time I received this response from Transunion. I sent copies of my drivers license as well as my social supporting who I am, but Transunion failed to review my request. 

I have attached a copy of my original letter to this complaint.
Consumer complaint received 2021-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (NV)

On XX/XX/XXXX i received a notification on XXXX  app that a, collection agency Company called DEBT RECOVERY SOLUTIONS Had put A Collections/ Chargeoff on my credit report. I Called On XX/XX/2021 and spoke with a rep and i explained my situation to her, can't remember her name. And she stated that they didn't have a phone number and my entire unit number to my house, thats why i didn't received anything in the mail or a telephone regarding this debt validation. Its not fair to a consumer that they just put stuff on are credit report without having all there information for this debt. This account was paid in full that same day. I Asked them for a pay for deletion and she said they dont use those terms, but she will summit a request for them to delete. i just wan na make sure its comes off my credit report ASAP.