davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Outsource Group, Inc (MO)

This company ( Medicredit Inc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood  Woman with my XXXX Given name ( XXXX XXXX : house XXXX XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
Consumer complaint received 2020-08-31
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: Experian Information Solutions Inc. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-07-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. Auto Sales Inc. (CA)

I demanded proof from US Auto XXXX that the repossession of the subject vehicle was legal in accordance with the following XXXX  : - Effect of errors or omissions - Notification before disposition of collateral - Timelines of notification before disposition of collateral - Contents and form of notification before disposition of collateral This letter was sent via Certified Mail and delivered to US Auto XXXX on XX/XX/2020 with tracking number XXXX. The letter also stated that if no such proof was provided within 15 days from receipt of the certified mail notice, the alleged claim of a deficiency would be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports would be considered a violation of the FDCPA and FCRA. 

I did not receive a response from US Auto XXXX within the requested time frame of 15 days. I also did not receive a response within 30 days which is a violation of the FCRA.
Consumer complaint received 2020-10-31
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 


-- PERSONAL ACCOUNTS 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2017-12-11
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. (IL)

After applying for a loan, my credit report stated that XXXX had issued a 30 day and 60 day late payment for my credit card. After first reaching out on chat, the employee agreed with me and stated that this was a mistake and he was not sure why this happened. They submitted a dispute but got back to me saying the information was correct and I missed those payments. I called and asked a supervisor to verify the information which she could not. She looked over my accounts and I asked if she say any late payments or fees associated with my card which she replied to with " hmm no, but lets file another dispute and see what happens. '' Weeks go by and I file another dispute where I send in all my statements that accurately show a credit to my account in full every month for the so called " late payment '' In total it has been almost 2 months where I still have not gotten a resolution or a clear answer as to why they reported to the credit bureaus that I was delinquent on payments for up to 60 days.
Consumer complaint received 2021-04-08
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. (TX)

XXXX ; Experian and XXXX should not be reporting a current balance of {$1000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was turned back in per the terms of the agreement. There is no outstanding balance due. Please update and/or remove this line item from my credit report. This false reporting of a balance due is harming my credit score. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

Today II have contacted y'all to have some fees credited, but the agent told me she couldn't credit them fees for my checking and saving account because her system did not allow her to because I was issued a lot of credits for my saving account, and checking account in the past I need these fees to be credited back to me for my checking account XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS XXXX ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX XXXX PA ATM ID XXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX  CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} Total need to be credit is {$29.00} Saving account what needs to be credited is XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX ONLINE TRANSFER TO XXXX XXXX EVERYDAY CHECKING XXXX REF # XXXX ON XX/XX/XXXX {$1.00} Total need to be credit is {$10.00} Saving account number is XXXX and checking account number is XXXX.
Consumer complaint received 2024-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've asked each company to send proof I owe the debt by sending identification according to 18 USC 1028. 

XXXX XXXX  : {$290.00} XXXX  : {$100.00} XXXX XXXX : {$350.00} XXXX XXXX  : {$180.00}
Consumer complaint received 2020-10-31
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX, XXXX, TX. XXXX XXXX : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response via e-mail via an alert I received online to a dispute ( XXXX XXXX XXXX, ACCT. # XXXX ), which was deleted/blocked by this creditor XXXX, XXXX, that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (MI)

My current balance is {$3700.00} ( credit limit of {$5000.00} ) with a minimum payment of {$300.00}. 

Their current Cardholder Agreement states " The minimum payment due each month will be an amount equal to 5.91 % of your highest outstanding new balance since your account was open or since your new balance was zero plus the greater of ( a ) any past due amount or ( b ) any amount by which your new balance exceeds your credit limit '' On the phone is was expressed to me that my minimum payment was based off an old balance of {$5000.00}. My balance exceeded my credit limit months ago and this no longer a NEW BALANCE. Their policy explicitly states a " NEW BALANCE '' is used in whatever the case. My minimum payment should be {$210.00} based off my " NEW balance '' since my account was open. This is a form of predatory lending.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (NC)

Someone applied for unemployment benefits using my name and SSN and it appears they were successful in receiving funds. I have a full time job and have never requested unemployment. I received a U.S. Bank ReliaCard in the mail on XX/XX/XXXX that was never requested or signed up for ... I called the company multiple times to try and close the account but have not been able to get in contact with anyone after hours of being on hold. I need to report this fraud and close the account but it's impossible to get any assistance from U.S. Bank ReliaCard.
Consumer complaint received 2020-10-31
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. (OH)

I have an unverified accounts on my credit report and I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I request a Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX XXXX XXXX XXXX X 2
Consumer complaint received 2017-09-20
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: CITIBANK, N.A. (FL)

CBNA could n't verify any date but yet still process a hard inquiry on my report. XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2020-10-31
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, Upon reviewing my credit report, I found discrepancies on my Capital One Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to Capital One for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, Capital One, and all 3 credit bureaus, XXXX, XXXX and XXXX.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the XXXX. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to capital one. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-12-11
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: SYNCHRONY FINANCIAL (MA)

I was checking my credit score on XXXX XXXX and there is a Hard Inquiry on there that I did not authorize. The inquiry was made on XXXX XXXX, 2017 by the below company. I did not authorize the inquiry and want it removed from my credit report. I did n't fill out any form or apply for any loan or credit card. This was either identity fraud or just done illegally without my authorization. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Thank you
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX AR 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-08-31
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: EQUIFAX, INC. (TX)

I sent in PROOF to Equifax through certified mail showing That these two accounts Under the name " Ohio Dept Oh Human S '' are inaccurate! 

A closed account CAN NOT! Have a monthly balance this is a direct and obvious violation of the FDCPA. 



Equifax needs to delete these two inaccurate accounts from my Equifax credit report because this is a violation of the FDCPA.

The violation is Defamation, willful injury. Violation of the FDCPA Equifax Information Services LLC refuse to correct information after being provided proof of inaccuracy. 

FCRA Section 623 XXXX XXXX XXXX XXXX XXXX. XXXX COurt of Appeals for the XXXX Circuit Court case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX. 
No. XXXX ).
Consumer complaint received 2021-10-15
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. (NY)

One of my credit cards, XXXX updated my status and the {$39.00} balance which resulted from an annual, was credited to my account so my balance went to {$0.00}. 
As soon as the balance went to {$0.00} my credit score dropped about 37 points.

What it said on my report is that I might have closed an account.

Why would that affect my score by so much? Because I have {$0.00} balance on all my credit cards my score drops? Who makes up these rules?

I have tried calling them and they won't respond!!!

All I get is a hang up.

So absurd they they can do whatever they want.