davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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. (NY)

As per my federally protected rights under the FCRA, XXXX, and XXXX, XXXX and Equifax is reporting and alleged " collection account '' with DIVERSIFIED RECEIVABLES to be reported on my credit report. Under the law a " collection account '' is considered income under the law and should thus not be reporting as a debt. Additionally, the account is incorrectly listed as both " open '' and a " collection account '' which under the law is a violation since I am entitled to " maximum accuracy '' on all three credit reports reported by all three CRAs. This account is also currently NOT reporting on my XXXX credit report thus I do not currently have " maximum accuracy '' across all three CRAs.. Reporting of this account is also in violation of 16 CFR 313.10 which states that I have right to not have my nonpublic personal information disclosed to a non-affiliate. By fact that the original creditor sold my nonpublic personal information, without my written consent, to DIVERSIFIED RECEIVABLES, they violated the CFR. Additionally, because the debt was in fact sold to DIVERSIFIED RECEIVABLES, it is no longer debt and has thus converted to income. I have no financial relationship nor contractual obligation with DIVERSIFIED RECEIVABLES. The reporting of this account on my Equifax and XXXX credit report is also in violation of The Privacy Act of 1974. This account is also in violation of my federally protected right under 15 USC 1681a ( 2 ) ( i ) which states that the consumer report 's rules of construction have EXCEPTIONS which include the transaction history between " the consumer and the person making the report ''. It also violates 15 USC 1681b, 15 USC 1681c, 15 USC 1681d, and 15 USC 1681f, and 15 USC 1681g. This account also violates XXXX, specifically " deceptive and abusive practices '' because DIVERSIFIED RECEIVABLES is listed on my credit report as " COLLECTION AGENCY/ATTORNEY ''. Yet, DIVERSIFIED RECEIVABLES is NOT an attorney and thus are misrepresenting themselves to deliberately mislead me as a consumer.
Consumer complaint received 2021-04-26
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. (TX)

On XX/XX/2021 I sent out letters to the creditors that's on my credit report requesting debt validation. To this day they have failed to to so. These erroneous allegations have severely impacted my credit scores and my mental health as I am constantly being denied credit because of this. 

I've also sent letters to the bureaus disputing the false reporting and nothing has been done. 

I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

in accordance with the fair credit reporting act XXXX  account numbers XXXX and 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. states a consumer reporting agency can not furnish a account without my written instructions This company states that accounts are not on my file but i check i see them there, so i need it removed asap
Consumer complaint received 2023-01-26
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. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-26
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. (MD)

This is my numerous request that you correct this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX 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 2024-02-23
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. (GA)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and unauthorized. 

Account Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

A few months ago, I submitted a complaint against Equifax Credit Bureau. For some reason, they're continuously reporting XXXX auto loan as being closed. My auto loan is NOT CLOSED. It is very much so, open. I actually still owe nearly {$25000.00} on the loan. 

I would like for them to report my loan as open and stop reporting it as a closed account.
Consumer complaint received 2018-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

in XX/XX/2018 I initiated a money transfer from XXXX to my personal bank account. *they were previously linked and had been for a while. on XX/XX/XXXX the money from my previously initiated transfer arrived in my bank account. Later that day at XXXX on the XX/XX/XXXX ( probably right after the money arrived in my account ) i received a text message from XXXX   with a verification code. At this time i was not trying to log into my XXXX and i knew my password. I did NOT request this verification code but somehow whomever requested this verification code gained access to my account ( even though the text was sent right to my personal phone that no one else has/had access to ). After this my bank account was completely hacked and compromised all starting with the breach from XXXX. My personal banking account was then linked to a paypal account and money was withdrawn. Also my email that was linked to my XXXX ( different email from any other app that was hacked ) was subsequently hacked. All of this has led to my identity being stolen and my social security completely stolen.
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX and XXXX contacting you to report that the following collection account and inquiry are not mine and I am a victim of identity theft. Account number XXXX and inquiry from XXXX XXXX and or XXXX XXXX Bank XXXX are NOT mine and need to be deleted from my credit report as soon as possible. I did not make these charges. I reported the identity theft to the Federal Trade Commission, FTC, and have copies of the FTC affidavit. Please charges immediately.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

These accounts and inquiries are involved in XXXX  and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-05-03
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. (AL)

i look on my credit report from Experian and notice some negative items that are errors and need to be delete from my report on XXXX XXXX2020. they are inaccurate and duplicate accounts and need to be delete quickly. i also am asking for the method of verification of these items that experian are reporting.
Consumer complaint received 2020-05-03
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)

I have been trying to resolve a i.d theft issue with all 3 bureaus over the past few months! They have been no help and i feel that putting them under this microscope of government surveillance will force them to abide by the laws. XXXX XXXX, and Experian have been willfully disobeying Credit Laws. In 2018, my purse was taken outside of my car, i left my car door open unfortunately with my purse inside while i ran into my job to get some tools. I came back and purse was gone, it contained my i.d, social card, insurance card, and etc. I was not to concerned at that time as i ordered new cards and such but the fact that down the line it's been fraudulent activity in my name because of it, has me unsettled and lost in a credit mess. So i was told by staffmembers at all 3 credit agencies i needed to get a i.d theft affidavit or police report to validate the i.d theft occurrence in which i did. Sent that along the necessary items they asked of me to complete the package, still the credit agencies have not blocked all the fraud accounts listed on my FTC report and listed on the attached sheet ... FCRA 605 ( BLOCK ). provided in this section on, a consumer reporting agency must block the reporting of any information on in the le of a consumer that the consumer identies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF This credit I.D theft law is what they have been willfully denying as to what is required of them for the steps of processing the investigation. These fraud accounts should not have remained on my account. I also have sent the same documents to all 3 creditors involved in the opening of accounts in question : XXXX XXXX, XXXX County, and XXXX XXXX, whom in which have all responded fairly quickly with their own investigated results, in conclusion that these accounts in their database were undoubtedly fraud or inaccurate in relation to my identity. Each creditor has mailed me through dispute correspondence ( see attachments ) i then sent the Letters directly to each credit bureau who have still, not done a thing to my credit report. They've sent me credit reports saying the accounts have been verified? HOW! WHERE! These credit agencies did not send me the entire necessary proof of " VERIFICATION '' OR " VALIDATION '' under 809 ( a ) ( b ) in regards to these accounts. Especially since the creditors each have reached out to me ruling in my favor agreeing the accounts are fraud! THIS IS MADNESS! I NEED HELP, I AM DEALING WITH XXXX PRODUCERS PERFORMING UNFAIR BUSINESS PRACTICES TO CONSUMERS LIKE MYSELF.
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I contacted Capital One on Wednesday XX/XX/XXXX because there is a late payment being reported on my credit report in XX/XX/XXXX. The representative stated he saw no late payments in my history but he could not go beyond 180 days in the past. I have never been late with my payments. I still have a current open account with Capital One that I want to keep.
Consumer complaint received 2017-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

this is a complaint against ocwen loan servicing which i see is in court with numerous issues. they are claiming that we are one payment behind and we have never missed a payment or had a late fee ... they call us constantly and mail us foreclosure assistance paperwork ... .we are current and dont understand why they are harrassing us ....
Consumer complaint received 2020-05-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (TX)

This company Medical Data Systems , Inc. is attempting to collect a debt that I do not owe them. I have signed no paperwork nor agreed to anything with these people. Moreover, this debt was previous removed and now replaced back on my credit report causing me great financial harm.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VT)

I initially had to file a complaint because I couldnt access only my Equifax report for a few months. Finally after filing my complaint here and after some time I have been able to access the Equifax report along with the other 2 bureaus. But now Equifax is displaying very inaccurate information which could affect my approval for a home that I am getting ready to do next month. There is a XXXX XXXX account # XXXX purchased in XXXX, that should no longer exist on there and now they have it showing as 90 days late in XX/XX/XXXX which is completely unacceptable.This loan had it first date of delinquency in XX/XX/XXXX and subsequent issues and was paid off in full XX/XX/XXXX. It has been well over 8 yrs since purchased and over 7 since first date of delinquency. It should be off my credit report. Whats worse is they have a paid, old account shown 90 days late in XX/XX/XXXX which could very well affect my home loan approval. Im not sure if this was done on purpose because of my first complaint due to their lack of getting me access to my reports. I tried to dispute this online but I cant even do that. It says dispute still under investigation which should not be true. All disputes have been completed. Yet I went to where the XXXX account was listed to complain about this issue and couldnt. Please fix this. Equifax is the only bureau Ive ever had trouble with. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Vt XXXX XXXX
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NE)

I have had quite a few unauthorized uses and charges made to my account, starting back in XXXX of 2022 to present. I have been notified by the fraud prevention department quite a few times to verify if those charges were made by me, in which case I told them that they weren't. Iam very grateful for the fraud prevention department! but ever since I have used my debit card online, I have had problems with fraud being detected on my account like I said Starting back in XXXX of 2022. I have never had any issues with Wells Fargo until the last 6 months. I have been a loyal customer since XXXX and due to all of the fraud on my account the bank. As of XX/XX/XXXX, Wells Fargo has decided to close out my account, and they no longer want to work with me as a customer anymore. This is very frustrating and upsetting to me having to deal with all of this nonsense over the last six months. And now to this day, the banks is trying to tell me, that my account ( after being closed now supposedly going on 3 months ) is negative (. - {$600.00} ) and itis being sent to collections with this negative amount stating that I supposably owe the bank that amount. That doesn't make any sense to me, at all on how they all of the sudden they are saying that I owe them that amount when I had my SSDI payments going into my account on a monthly Basis for the last couple of years now. I just don't understand why or what is going on. Now since my account has closed, I am having problems getting another trustworthy bank to be able to put my monthly XXXX payments into. this is just a very unfortunate situation that i personally thought that I would never have to go through. But I guess not first time for everything...
Consumer complaint received 2020-09-18
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. (CO)

CFPB KEEPS ALLOWING THE CREDIT BUREAU TO RESPOND WITH IT'S NOT ME REQUESTING THESE INVESTIGATIONS YOUR AGENCY HAS FAILED TO VALIDATE THE DEBT Its peculiar your agency alleges you validated this debt, but have REFUSED to provide me with proof of what method you utilized, whom you spoke to and the dates, WHICH IS MY RIGHT AS A CONSUMER According to the above FDCPA Section FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) .. Your agency failed to provide relevant  documentation that shows clear evidence you Investigated my credit dispute PROPERLY. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Your agency removed the account then added it back to my credit files, which is a violation of FCRA. AND your agency is the ONLY credit bureau that has NOT removed this negative account.
Consumer complaint received 2024-02-23
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. (GA)

I am reaching out to file a complaint due to the unauthorized inquires on my credit file. They are fraudulent and not mine. 
I have sent in a FTC report via mail but also attaching it here. 
As a consumer, I know my rights per the law and aware that anything regarding identity theft should be deleted.
Consumer complaint received 2023-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (MD)

In XX/XX/2022, I was behind 3 car payments which is about {$1600.00}. In late XX/XX/2022, I set up an automatic payment of {$500.00} bi-weekly. To date, I have paid over {$2000.00} and Credit Acceptance is still saying I owe about {$1500.00}. Why? Because my car payment, according to them, is due on the XXXX of each month and even though I set up and fulfilled my {$500.00} bi-weekly payments for the past XXXX weeks, the payments that are supposedly due on the XXXX of each month are rolled over. I'm also charged an additional {$24.00} a month for late fees. 

I called the company today and asked them if I can change the date of my scheduled payment ( not the auto payment I set up ). I was told no. How can a finance company not accommodate their customer? In addition, charging me extra late fees when I have been paying {$1000.00} monthly. At this rate, I will, as stated previously, die paying this debt off. 

This is my second complaint of predatory financial practices for Credit Acceptance. This is unfair should be illegal.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HEARTLAND PAYMENT SYSTEMS INC (IA)

An offline party at heartland payment system payroll services has request my state ID social security card and proof of residence after already receiving it XX/XX/XXXX of this year they admit they revived it original but dont know why they need it again ... .... I havent been able to access my money since XX/XX/XXXX they wouldnt even tell me where to fax the information until the XXXX now I have to wait 5 business days if not longer for this offline party to even get this information
Consumer complaint received 2020-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am charged for the amout of {$420.00}. On the charge card statement there is no explanation for this fee. On XXXX XXXX Capital One has me credited for {$400.00} but the credit card number is different. The description is XXXXt XXXXPA. On this same statement his bank has me owing XXXX  {$400.00}. The account number is different. This XXXX charge remains on the new credit card account number. I do not know nothing about this charge.