davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
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. (NV)

It appears that a new contract unilaterally was created in private by Experian and XXXX XXXX because no one else has this alleged debt reported. XXXX and XXXX does not show this debt rathe shows no history since XX/XX/ for the debt was discharged and took note to the 1099c debt discharge document filed with the US Treasury IRS. 

The private property automobile was paid in full on or about XX/XX/. 3-603. TENDER OF PAYMENT. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 
So please provide to me how you are the only one [ 1 ] out of three credit reporting agencies reporting this as a debt allegedly and where are you getting this information or lawful facts as evidence as you state?

Also the identity of the claimant herein known as the owner and controller of said property has been leaked. As well reported to the State of Michigan, S.E.C., F.T.C. and other State Departments. 

Please note, Experian is the only reporting factor of this matter fraudulently for XXXX and XXXX show no report of this transaction at all. 

After payment was received be it rejected or not based upon law there is discharge and there is no fees or interest thereafter. 

According to the law 18 USCode 878 the reporting agency is attempting to extort the claimant by sending letters asking her to stop sending the claims to the CFPB but send it directly to them, as when she did this past XX/XX/ they claimed they did not know who she was and did not provide identification information! 

Experian also false claims on or about the debt being discharged or sold to a third party whereas the claimant has not given permission for XXXX nor Experian to use misuse or sell trade or give off her private information.
Consumer complaint received 2020-07-20
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. (CA)

For the past 6 months I have tried to have 4 fraudulent accounts removed from my Experian credit report. I have sent them a copy of my police report and my ftc report that was also notarized and nothing has been deleted. I am seeking the assistance of a common law attorney- it has been 6 months. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX Date opened XXXX-Last reported XXXX active XX/XX/2022 XXXX XXXX XXXX Account # XXXX Date opened XXXX reported XX/XX/ Last active XXXX XXXX  Account # XXXX Date opened XXXX reported XXXX-Last active XX/XX/2022 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 2017-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to express my concern regarding the unauthorized reporting of my personal information and that of my cosigner. I recently became aware that our information has been reported to my credit without our explicit consent. 


As you should be aware, The Privacy Act of 1974, as amended, specifically under 5 U.S.C. 552a, establishes a code of fair information practices governing the collection, maintenance, use, and dissemination of information about individuals maintained in systems of records by federal agencies. A system of records refers to a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

Additionally, our rights are protected under the Family Educational Rights and Privacy Act ( FERPA ), as outlined in 20 U.S. Code 1232g. This legislation ensures certain conditions for the availability of funds to educational agencies or institutions, and it guarantees individuals the right to inspect and review their education records. Any disclosure of these records without proper authorization is a violation of our privacy rights.

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; 20 U.S. Code 1232g - Family educational and privacy rights U.S. Code ( a ) Conditions for availability of funds to educational agencies or institutions ; inspection and review of education records ; specific information to be made available ; procedure for access to education records ; reasonableness of time for such access ; hearings ; written explanations by parents ; definitions
Consumer complaint received 2022-08-13
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Business Bureau, Inc. (NV)

My identity was stolen and used to open a fraudulent account XXXX {$10000.00} without my knowledge. This fraudulent account appears on my credit report and is having an adverse affect on my credit rating. I did not open this account.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

transunion and XXXX will not investigate disputes. I sent disputes about credit balance for XXXX  and XXXX cards being incorrect and they advised that I already disputed it but they have not resolved the issue. Transunion specifically is allowing anyone to access my credit report without my authorization including XXXX XXXX XXXXXXXX of a car loan I did not initiate.
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

I applied for a wells fargo credit card, they attempted to do a fraudulent transaction that I immediately said was not mine on XX/XX/19 call was recorded they can review that call. Wells Fargo issues me a new card and assures me that the transaction did not go through but then doesn't approve my claim because they say I activated the card and that I made this purchase. I did not receive the card nor did I activate it, if they would like I can send them my call log for the month and day so they can see I did not activate the card with my phone number. I was nowhere near the place where these theives were attempting to use my card so Wellsfargo denied my claim and want to hold me responsible for their charges {$610.00} worth. I am so upset and can't even imagine how they conduct investigations on claims and just blatantly lie about it and deny the claim. By lying I mean they said I called and activated the original card ending in XXXX again that's impossible. Have them call the location and request video footage whatever they need to do.I did not use this card for a {$610.00} purchase at XXXX.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Looking over my credit report and notice there were fraudulent accounts that doesn't belong to me and never authorized any contracts and business with these companies.The following accounts are listed below : 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, XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-11-16
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. (MS)

on XX/XX/2020 I mailed a letter requesting inaccurate accounts listed on my credit report to be verified. It has been over two months and I still haven't received a response and these inaccurate accounts are still showing on my credit report.
Consumer complaint received 2023-01-10
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. (HI)

The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX  XXXX account : Please remove all of the inquiries as stated above, as they are listed below from Equifa'x report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1. OnXX/XX/XXXX, BANK OF AMERICA add a hard inquiry on my credit report per XXXX.

2. On XX/XX/XXXX, BANK OF AMERICA add a hard inquiry on my credit report per XXXX.

3. On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX.
Consumer complaint received 2023-02-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (GA)

i would like a certified forensic and bloomberg audit done on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and shellpoint mortgage servicing. i believe there is a number of fraud violations in this consumer credit transaction
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (IL)

Experian and XXXX have violated my rights under Fair Credit Reporting Act. I have notified them by mail and phone that I am victim of identity theft. I have requested the following account be removed permanently from my report because it was opened fraudulently. XXXX XXXX XXXX Date Opened XX/XX/2021
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I have submitted multiple disputes to this creditor asking for bank statements to show when they did not recieve my payments. I have never been late on my mortgage payment. It has always been paid on time. They have me being late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. My account is auto draft and the funds were always available
Consumer complaint received 2019-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I had fraudulent charges made to my account at the end of XXXX from a perpetrator using my debit card information to make purchases on XXXX. I contacted XXXX, Bank of America ( the company I am filing this complaint against ), and the police to file the necessary claims and reports. Bank of America agreed to permanently refund the account on XX/XX/XXXX. On the morning of XX/XX/XXXX, Bank of America withdrew {$78.00} from my account calling it a temporary credit reversal, despite the fact that those credits were previously said to be permanent.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

XXXX is trying to collect a Membership Fee on account 's that have been confirmed as closed by both XXXX 's ( ending XXXX ) and by Experian ( ending XXXX ). This is a fraudulent practice and could impact my Credit Rating.
Consumer complaint received 2019-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery # XXXX {$310.00} Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. Portfolio Recovery fail to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt.
Consumer complaint received 2021-08-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 and XX/XX/2021 I've mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 60 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to COVID. I am asking that these items be removed from my credit report.
Consumer complaint received 2019-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

I, as usual, wanted to check my credit score back in XX/XX/2018 and discovered that I had a debt with XXXX XXXX XXXX of {$730.00} and that it was never paid. I never had any accounts or solicited the credit card, so when I called the XXXX XXXX XXXX Customer Service explaining that someone opened the account under my name but with an address from NY and it was a case of identity theft. What they did was give me the address to send all the request docs as proof. 1 week later I sent all the docs via fax and mail. What they did was updating my information and started sending letters asking to collect the debt. I never received a call from their fraud department investigating the fraud. I decided to call them at the end of XX/XX/2018 and they told me that they no longer had access to the debt and that my account had been transferred to a debt collector agency - Resurgent.

Resurgent Collection Agency contacted me by XX/XX/XXXX of last year and they were very responsive about getting paid but never with the intention of giving me the necessary information to solve the problem.Two months later, after going thru the process of disputing the debt they came to the conclusion that it was a case of identity theft. They were supposed to foward all the information to XXXX XXXX XXXX. A few days later I receive a letter saying that they couldn't process any of the claim because it was no longer serviced by them and it ws in the process of being transfered.

I get back on the phone with XXXX XXXX XXXX and they can't do anything on the account because now it was now XXXX XXXX XXXX who had access to my account. I already sent the documents and they have sent more than 15 letters trying to collect the debt that is not mine.
Consumer complaint received 2022-08-13
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. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX XXXX CAPITAL XXXX XXXX Balance : {$0.00} ; 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 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PRG Ventures, Inc (TX)

Applied for a loan from a ad on XXXX and was denied. I then started getting fraud alerts from my bank and notification that I needed to change my passwords. I believe this company is phishing for information. Many people on XXXX applied and stated the same thing
Consumer complaint received 2020-04-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (MA)

I contacted this company to see what help they were providing customers like myself during this pandemic. The best they would do is place one payment at the end of my payday loan, which is no different from what they would do as one-time courtesy outside of this worldwide pandemic. I told the representative that I was unable to keep up with these payments. The representative offered no help. The representative went on to say that missed payments would be subject to the terms and agreements documented in the contract. In speaking with a friend about it and describing the loan I was in, the person informed me that payday loans are illegal in Massachusetts given the high interest rate that exceeds the lending requirements of the state. I was also informed that this loan falls under predatory lending and violates Massachusetts law. I went to the Massachusetts website to obtain more information. The website did have information stating payday loans being illegal in Massachusetts. The original loan amount was XXXX dollars. The company is withdrawing more than XXXX dollars out of my checking account every two weeks. The interest rate on this loan is 789.97 % and I'm paying more than XXXX dollars per month, most of which is interest. When I took out this loan, I did not realize how high this interest would be. In the end, I will pay more than XXXX dollars for a XXXX dollar loan. I've already paid the original loan amount back with interest. I can not keep up with these payments. What are my options?