davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

I have disputed these debts and the company has failed to validate these debts with the information that I have requested. They have also broken laws under the FCRA & FDCPA. I sent the company an invoice for the violations that they have broken as well as a affidavit of truth that has not been responded to correctly. I am now demanding all negative information be removed accordingly. I am attaching the documents in this file Company has violated my rights as a consumer/natural person under FDCPA law. I do not assume this alleged debt and I have made this known to them on multiple occasions. I am not giving them permission to furnish this debt on my consumer credit file. I have found this company violating my rights as a consumer. On many occasions I have giving this company 30 days to respond with the requested information and they have failed. I request my payment of {$19000.00} be redirected to me. pursuant to 1692 ( g ) ( a ) -notice of debt I had never received a letter notifying me of the name and address of the original creditor nor that if any portion of the debt is not disputed that it would be assumed which is in violation of FDCPA 1692 ( g ) ( b ) -disputed debts- I have notified in writing that all portions of this debt is disputed. As per 1692 ( g ) ( c ) -The failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by the consumer.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent A letter on XX/XX/21 which is over 90 days ago and TransUnion is still reporting inaccurate information on my consumer credit report. I have sent multiple letters and all they say is that it is verified. They don't send any evidence of it being verified to me at all. They told me they got my information from XXXX but how is that possible unless everyone is reporting false information on my report? They are violating so many consumer rights here it is crazy. It isn't accurate, they haven't verified it and it is hurting my consumer report and stressing me out. Please help me understand how they can keep reporting false information even after i provided proof that it is false?
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (TX)

XXXX XXXX XXXX is in clear violation of the law for contacting a third party or consumer reporting agency with my nonpublic information. I received a copy of my consumer report and noticed an inaccurate collection account they reported with a balance of {$750.00} along with one with 1 late transaction on ( XX/XX/XXXX ). This company is attempting to collect a debt that is not owed and proven to be a direct result of identity theft. On ( XX/XX/XXXX ) I sent XXXX XXXX XXXX a notice of their violations attempting to collect this very debt, to cease and desist all collections activity regarding this alleged debt, that I am not legally obligated or responsible to. The original creditor they listed on the consumer reporting agencies, XXXX XXXX removed this credit card debt account from my reports before attempting to sell it to XXXX XXXX XXXX because the data furnished was unverifiable, inaccurate, and a direct result of IDENTITY THEFT as per 18USC 1028 ( A ). 5 months later, they are attempting to collect this same debt that has already been proven to be inaccurate with noncompliance to the law by parking this inaccurate collection account and violating the FDCPA & 10006.30a and REGULATION F which took effect on XX/XX/XXXX. Aside from providing any original consumer agreement with my signature on it, XXXX XXXX XXXX also cant provide me with the original statement they allegedly sent me 21 days before the late transaction in this collection account was reported to the consumer reporting agencies which is a violation of 15USC 1666 ( b ). By furnishing this late transaction, they also violate 15 USC 1681 ( 2 ) ( a ) ( i ) which states all transactions or experiences to any person are excluded from my consumer report which means late or not, my transactional history to any company is not supposed to be reported on my consumer report. XXXX XXXX XXXX must remove this collection account, I do not owe this debt.
Consumer complaint received 2021-04-06
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

I started receiving threatening phone calls stating that I owe {$1300.00} from a credit card in my former name. This went back to 2011 apparently. I asked if they could send me information regarding this said credit card as well as signature information and with the original that was with. They told me They did not have that information that they were just a mediator. I told him I was not going to be paying anything without some sort of validation on their end. I then went on to look at my credit report and son nothing of this said credit card of HSBC. They said they didnt put it on my credit report because it would hurt me from a good credit report. I played along with them to see how far it would go and then they wanted to settle for {$610.00}. Unless I have solid information regarding said that from original collection I will not be paying anything they need to leave me alone and stop harassing me. The company was legal one mediation from Georgia
Consumer complaint received 2017-09-19
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: Experian Information Solutions Inc. (NY)

this company XXXX XXXX account XXXX XXXX XXXX has an account on my credit report that does not belong to me. This has caused me undue stress as my XXXX XXXX has increased. I have just retired and my physician recommends a warmer climate to live in and with this account on my credit report it has been hindering my move. I would be eternally grateful for your help in removing this error from my Experian credit report.
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Portfolio Recovery, LLC (AZ)

THE BELOW-LISTED COLLECTION AGENCY HAS CALLED ME A NUMBER OF TIMES AND MULTIPLE TIMES IN A DAY.THEY EVEN CALLED WHILE I WAS STILL IN THE HOSPITAL AFTER XXXX XXXX  XXXX JUST RECENTLY. I ASKED THEM SEVERAL TIMES TO STOP CALLING ME. I ALSO INDICATED THAT I WAS FINANCIALLY DEVASTATED BY COVID AND BECAME XXXX AT THE SAME TIME. WHEN REPORTING THAT INFO TO THEM, THEY SAID I WAS LYING ACCORDING TO XXXX. I WAS TOLD I CAN JUST GIVE THEM MY SS INCOME TO RESOLVE THIS MATTER, AND LASTLY, THE DEBT IS INCORRECT. 


PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2021-04-30
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. (MI)

I am a victim of identity theft and accounts were opened fraudulently, I contacted Experian and they told me to complete some sort of report, which I did. After waiting for 3 weeks, they have received it and have not done anything and continue to give me the run around. I need help and not sure where to turn.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (GA)

On or about the XX/XX/XXXX I paid off a retail account I had with Wells Fargo Bank, the bank in return closed the account which they should have. Several days later there was a new retail account opened in my name by wells Fargo Bank for XXXX dollars without my knowledge or consent. I contacted wells Fargo and spoke to a representative from their retail department who told me that the personal information I provided did n't match what they had for my date of birth and she updated it. I asked her who opened the account and she said it was so I could shop with their approved merchants and could only be used with them that it was not a regular credit card. I told her to closee the account and she said come on do n't you want to keep it and I told her it was a fraudulent account done without my consent aND she read off some prepared statement about how closing the account would impact on my credit which it did.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I received an email alert sent by XXXX XXXX that I have a new inquiry on my Experian credit report. I have not contacted anyone or any business that has the right to pull my credit report in the past days or months. As such, I have not given authorization to anyone to make an inquiry on my credit report. I called XXXX and they transferred me to Experian and they said they can't remove the inquiry on my file. This is an unauthorized inquiry that I am reporting and they will not do anything to help me at all.
Consumer complaint received 2021-09-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc. (GA)

To whom it may concern, I sent a debt validation letter to Medical Data Systems Inc. and the company has failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately
Consumer complaint received 2021-04-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which IC System is reporting to the credit reporting agency. I am asking for debt valisatin. Tracking number : XXXX Debt Validation : 1.Who was the original creditor on this account, and what was the account number?

2.What was the original amount owed?

3.Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4.What was the original date of delinquency for this account?

5.Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6.What did you pay for this account, and how did you calculate the current amount owed? 

I never received any response regarding my request and they did not update the credit report as disputed. However, they sent me a letter stating that IC System will no longer collect the debt and will return the account to the original creditor but they never did. It's still showing on my latest credit report that they are still collecting on it. 

IC System is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Consumer complaint received 2020-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These inquires from XXXX with inquiry date of XX/XX/XXXX and XXXX with inquiry date of XX/XX/XXXX are unauthorized. I already asked TransUnion to get these off from my report but to no avail.
Consumer complaint received 2021-09-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (FL)

I have disputed these debts and the company has failed to validate these debts with the information that I have requested. They have also broken laws under the FCRA & FDCPA. I sent the company an invoice for the violations that they have broken as well as a affidavit of truth that has not been responded to correctly. I am now demanding all negative information be removed accordingly. I am attaching the documents in this file Company has violated my rights as a consumer/natural person under FDCPA law. I do not assume this alleged debt and I have made this known to them on multiple occasions. I am not giving them permission to furnish this debt on my consumer credit file. I have found this company violating my rights as a consumer. On many occasions I have giving this company 30 days to respond with the requested information and they have failed. I request my payment of {$19000.00} be redirected to me. pursuant to 1692 ( g ) ( a ) -notice of debt I had never received a letter notifying me of the name and address of the original creditor nor that if any portion of the debt is not disputed that it would be assumed which is in violation of FDCPA 1692 ( g ) ( b ) -disputed debts- I have notified in writing that all portions of this debt is disputed. As per 1692 ( g ) ( c ) -The failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by the consumer.
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (IL)

Please address my attached letters that were sent to your company that were sent to your company 14 days ago via mail and experian upload!
Consumer complaint received 2020-12-08
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. (OH)

On XX/XX/XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-16
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: EQUIFAX, INC. (OH)

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( 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 2019-03-06
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: GOLDMAN SACHS BANK USA (IL)

a hard inquiry was added to my credit report from Goldman Sachs. i never applied for a loan from their company. When i contacted them, they could not find any information on my file. i gave them the last 4 digits of my social security number and they still couldn't locate my file. Two days ago i received a letter from them stating that i had applied for a loan and my application was incomplete. the letter also stated that because i had an apllication that it authorized the company ( Goldman Sachs ) to actually inquire into my credit which resulted in an hard inquiry on my file. i made another contact with the company after i received the letter. They tried to tell me that i had an application on file with their company but they did not believe the social security number was accurate. i asked them to just remove the hard inquiry from my file. They told me to contact XXXX  as it may be fraud. i only want them to correct my file to reflect what really transpired. this matter has become complex and i believe this is very simple.i need your assistance in this matter ... Thank You
Consumer complaint received 2022-08-12
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. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2021-04-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Oklahoma Student Loan Authority (AZ)

Student loan under DPT ED/OSLA - account open. Balance {$3400.00}, highest balance {$2700.00}. Date of last payment : XX/XX/XXXX. Opened XX/XX/XXXX. Last reported XX/XX/XXXX. I have never taken out a student loan and this is false information.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (AL)

I received my tax refund on an American Express serve prepaid credit card last year and ive recieved my stimulus check in that same account and have no access to it because the card was only good for a year, Im locked out from logging in online and the customer service line isnt available right now.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX XXXX and have recently been diagnosed with XXXX. When completing an application to lease a new apartment, I found that a security freeze had been placed on my account at Equifax without my knowledge. 

I enlisted my daughter 's assistance to help remove the freeze online on XX/XX/2021. Though I responded to all questions correctly, I was directed to call Equifax. I called Equifax on XX/XX/2021, responded to all automated questions correctly, but, despite the original freeze options offered XXXX add freeze, temporarily lift, or remove freeze ), was only provided the option to add the security freeze to my file. The freeze, which was already on my account, was confirmed as successful and I had no opportunity to make any changes or select any other option. 

So, I then called Equifax again on XX/XX/2021 to attempt to remedy the situation. I spoke to a representative and her supervisor, but I was advised to call back to go through the automated system once again or to mail a copy of my social security card and driver 's license to their office. I do not feel comfortable sending copies of this sensitive information through the mail ( or to this agency that does not seem to have accurate information on me ), so, as directed, I called Equifax again on XX/XX/2021. I responded to the automated questions and was again directed to call them back. 

Quite frankly, I feel that I am caught in a loop that I did not create -- and that I am unable to resolve. Any assistance that you can lend would be most appreciated.
Consumer complaint received 2020-12-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (OH)

I moved from XXXX  to XXXX  and the State of XXXX  needs Honda to provide them information or transfer title to another state in order to register my vehicle in the new state. Honda hasn't responded and I'm unable to reach anyone at customer service. I've spent 30-40 hours on hold the last 3 weeks and no one ever answers. I've tried calling local dealers and they can't help. XXXX  law says my vehicle must be registered within 30 days by law and I'm not past this timeline and in violation of state law. I've tried faxing, mailing, and calling without any prevail. I need someone to help me, so I can register my vehicle in my new state of residency and be compliant with state laws. Please help.
Consumer complaint received 2018-01-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TX)

Two payments were taken out of my account when only one should have been. This put me in a bind. I called in in order to try and get a refund for the extra payment and I was told that it takes 3-5 business days in order for this to be processed and also the funds mailed paper check to my address. I advised the representative to check and see if there was a faster way for the funds to get returned to me and they were not willing to find out. I waited on hold for 40 minutes when I requested to speak to a supervisor. Then the representative returned and told me no supervisor was available and they would transfer me to their voicemail. I asked for the supervisors contact info so I can follow up as this is urgent and I was denied the request.I am reaching out as I need help. I am also going to file a complaint because the way the call was handled was not great customer service at all. Transaction  were XX/XX/XXXX for $XXXX and $XXXX.