davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

I have contacted the collection agency and asked them to provide me with contract with my signature to verify that this is my debt to pay. The collection agency has not provided proof of this being my debt to pay. I also have disputed it through the three credit bureaus. 

I am unsure what else to do except seek further help in getting these matters resolved. Below is the name of the collection agency I have contacted and asked them to provide me with the above mentioned proof.

3. XXXX XXXX XXXX/Original Creditor : XXXX XXXX XXXX $ XXXX First time contacting this agency was XX/XX/2017. They sent me a print out but no signature.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

In XXXX, XXXX, my husband and I declared Chapter XXXX bankruptcy in order to save our house ( Case Chapter XXXX BK Case # XXXX ) XXXX XXXX   immediately closed my XXXX XXXX XXXX account, despite years of good credit history, which I was informed that they would do. 

On XX/XX/XXXX, XXXX XXXX filed a Proof of Claim with the Bankruptcy court in the amount of $ XXXXthe entire balance I owed. This claim was paid by the bankruptcy trustee. 

XXXX XXXX continues to report an {$850.00} charge off on my credit report, and has done so from XX/XX/XXXX through XX/XX/XXXX. This is in violation of the Automatic Stay Sections 362 ( a ) ( 1-4 ) of the Bankruptcy Code. 

I would like the credit reporting corrected.
Consumer complaint received 2024-02-20
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. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX 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 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I received a copy of my credit report and noticed some hard inquiries that I dont recognize. 

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 2023-04-04
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. (OH)

1. XX/XX/XXXX XXXX XXXX XXXX {$4700.00} 2. XX/XX/XXXX XXXX XXXX XXXX {$940.00} 3. XX/XX/XXXX XXXX XXXX XXXX  {$570.00} 4. XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} 5. XX/XX/XXXXXXXX XXXX XXXX XXXX {$380.00} 6. XXXXXXXX XXXX XXXX  {$37000.00} 7. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1400.00} 8. XX/XX/XXXXXXXX XXXX XXXX XXXX {$940.00} 9. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX$670.00} I have no knowledge of these companies and this is fraud because I have never signed any written documents stating this was me.
Consumer complaint received 2022-10-14
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: CREDIT ACCEPTANCE CORPORATION (CT)

I contacted Credit Acceptance Corporation regarding an account that I do not own. I was a victim of identity theft and there were some fraudulent accounts opened up under my name. I have provided documentation such as the FTC report and Police Report which states all relevant information. The company refuses to comply with the legal documentation and is falsely reporting a fraudulent account on my credit reports which is giving me living hardships for a home and a car.
Consumer complaint received 2020-10-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

About two months ago I checked my credit and noticed some accounts that had misinformation and other accounts that werent mine to begin with. I mailed dispute letters to the credit bureaus to get the investigation started XX/XX/2020. It has been over a month and I have not received a response to the dispute letters.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX is currently reporting incorrect information to all three of my credit bureaus. If the information all comes from the same source why is the reporting inaccurate? the dates opened are not the same on all three bureaus, the credit limit is not all the same on all three bureaus and the high credit is also incorrect on all three bureaus. Being that it is not reporting correctly who says that the information reported is accurate. Please delete this account from all three bureaus asap.
Consumer complaint received 2020-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Recovery Services, LLC (TN)

XXXX XXXX XXXX XXXX  is stating that I owe {$1800.00} through AB RCY SVS. When I stayed in the property ( XXXX XXXX XXXX XXXX XXXX XXXX ) the apartment had a leak that resulted in an extensive amount of mold that caused XXXX issues, trouble XXXX  and other XXXX symptoms in me and my spouse. I informed the office numerous times about the issue however their was no sense of urgency. Due to me becoming ill and the properties lack of concern I moved. I was informed that I wouldn't have a balance due to the extent of the apartment and the consistent inconvenience I experienced when I inquired about cancelling the lease. I don't think it's fair that I have to pay rent when I was living in an inhabitable living conditions when they failed to address the growing mold problem.
Consumer complaint received 2021-05-27
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 (FL)

I have disputed a Discover Financial Service LLC item on my credit report from XXXX several times, the last time being XX/XX/XXXX. I just received an email from XXXX rejecting my dispute, claiming it is legitimate. I have not had a Discover Card since about XXXX and have no idea where the charge of {$7600.00}. comes from. 
I submitted all this info, along with proof of address and other information that they requested, to both XXXX and to Discover, and my dispute keeps being denied.
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I had XXXX accounts with Capital One XXXX, XXXX XXXX XXXX XXXX. Both of my accounts were closed without any warning. I made large monthly payments and I thought both of my accounts were in good standing. When I learned that my accounts were closed, they reassured me that it was not permanently closed, but on restriction for a short period of time. No reason as to why on restriction. I asked could I reapply to open my accounts and I was told that I could re-open them. When I tried, I was denied.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I disputed an account reported by XXXX XXXX. I was informed on XX/XX/XXXX that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report around XX/XX/XXXX or XX/XX/XXXX 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Experian is required to notify me of the reinsertion in writing within 5 business days. 
" ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Consumer complaint received 2018-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (NY)

Received a notification from my credit monitoring service that this debt was placed on my credit report. Upon further investigation with them on the phone, I was advised that they were from XXXX. This issue has been a continued dispute with them spanning both XXXX and New York State Attorney General. XXXX engaged in deceiving practices and ripped us off concerning this account. XXXX refuses to discuss the issue with me concerning this and their representatives have done nothing but yelling. 

The collection agency has refused to engage me instead has resorted to just placing this on my credit file. This matter is in dispute with several consumer protection and government agencies. This company has never once given me the chance to inform them and dispute this debt and they have never reached out to me. They have violated the Fair Debt Collection Practices Act. 

In addition the company claims they were paid for the debt when I paid the creditor directly once they agreed to take care of the situation. As you can see they refuse to report a status on my credit report and instead state " NO STATUS '' and they claim it is for someone else in another state. 

I have enclosed 2 items, one is the printout from XXXX showing it on my credit report and the other is a letter they emailed to me about the payment.
Consumer complaint received 2022-04-29
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: OneMain Finance Corporation (IL)

In accordance with the fair credit reporting act, ONE MAIN FINANCIAL # XXXX, has violated my right. 
1

5 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section @ it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2020-06-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Clear Start Today (FL)

I received a call from a clear start on XX/XX/20 saying that i can join an income based student loan forgiveness program which i accepted. They said i would be charged {$240.00} a month for 4 months than it would be {$78.00} a month. I recently contacted my student loan company and they informed me that i was scammed by Clear Start because their is no fee for income based repayment plans.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

My business checking and money market were closed by BB & T bank, now Truist, and the local branch and customer service are not able to tell me if my account balance will be paid out to me. It is just over {$53000.00} and the account was closed on XX/XX/XXXX. I still have not been told WHY my account was closed. They are not legally required to explain that to me. It is illegal for them to hold my funds. In addition, my online access has been revoked and I can not access account statements for the last several months.
Consumer complaint received 2018-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

Hello, I opened this account with XXXX XXXX in XX/XX/XXXX I fell in financial hardship and wasn't able to pay. They sold this to XXXX XXXX and they started reporting to my credit on XX/XX/XXXX. I tried to get them to validate they didn't even respond to me. So I know something is not right. I also looked up if they were able to collect in my state and they were not so they must stop reporting.
Consumer complaint received 2018-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

According to XXXX, inXX/XX/XXXX XXXX XXXX XXXX purchased a dept from XXXX XXXX  in my name.  I have attempted to contact XXXX XXXX  a number of times over the phone.  The last being on XX/XX/XXXX at XXXX.  I have tried to explain to them that this is incorrectly reported. I had closed my account with XXXX in XX/XX/XXXXowing nothing in monthly service charges.  I have attached a receipt showing the device I had purchased was returned to XXXX XXXX XXXX XXXX  continues to deny my requests for proof that the dept is accurate. I have asked for them to validate the dept and was told they could only send me a bill.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX  Account # xxxxxxxxxxxx XXXX, has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX, has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights 15 U.S.C . 1681 section 602 A, states I have a right to pricacy.

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX and TransUnion are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX XXXX  and TransUnion since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2020-10-19
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)

Good Day, My name is XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP (LA)

Greetings, I XXXX XXXX XXXX, come with peace. This letter is to inform you that I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. AMERICAN HONDA FINANCE, LLC the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor, Flesh and blood human being. AMERICAN HONDA FINANCE, LLC is in violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts AMERICAN HONDA FINANCE, LLC may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.
Consumer complaint received 2020-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AmerAssist A/R Solutions, Inc. (GA)

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX   credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature. They are being listed as follows :
Consumer complaint received 2022-10-14
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. (CO)

On XX/XX/XXXX, I sent Equifax a letter to correct inaccurate information they are reporting. They removed and updated the payment history. But left the payment status in a derogatory status of Late 120 days. Which is inaccurate. On XX/XX/XXXX I sent a follow up letter to ask them to re-investigate and update the payment status to " paid as agreed ''. 
The account is paid in full and closed. They still have not updated this. 
Ive included both letters and a copy of my credit report showing the inaccurate info,
Consumer complaint received 2021-05-27
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. (PA)

The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report. 

-- -- -TRANSUNION XXXX -- XXXX XXXX :XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (GA)

Hello, i leased a vehicle with BMW finical and made all the payments as agreed in our contract. Covid19 hit when it was time to turn the car in and i had a new born at home so i couldn't come in contact with anyone because no one knew what was going on with this new pandemic. I offer for them to come pick up the car and they came 8 months later. Now they're showing on my credit that i had a repossession when i made all 38 payments on time.