davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 60 days in XXXX XXXX, 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 60 days in XX/XX/XXXX, and 60 days in XX/XX/XXXX.
Consumer complaint received 2023-02-22
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. (IL)

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instruction.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the. following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. These names are not suppose to be on my credit report : XXXX XXXX XXXX  Law U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (TX)

TD BANK USA/TARGETCRED fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). TD BANK USA/TARGETCRED is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-02-22
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. (GA)

The dates are reporting different on my credit report XXXX XXXX XXXX XXXX  XXXX15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (MA)

I have student loans from XXXX that Ive had since I was XXXX. They just recently transferred them over to a different company ironically rigt when they had a lawsuit against them for XXXX  us over.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-01-13
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 — Problem with personal statement of dispute
Company: Aspen National Financial, Inc. (CA)

Aspen National Collections continued to collect debt and continue to charge fees while in legal dispute with XXXX XXXX XXXX. We have notified them of the legal dispute in process but they continue to collect and charge fees.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have no knowledge of XXXX XXXX I have no contract with them, nor do i even live in the same state this company is located. My first knowledge of this company came when they surprised me by placing two collection accounts, XXXX unknown account for {$390.00}, and another unknown account number XXXX, for {$1300.00}, on my XXXX, equifax, and XXXX credit report. 

These are allegedly charged off accounts, purchased by this debt buyer, but being reported with late payment histories, which doesnt even make sense. None of the information is even accurate, reporting different date of last payments, or in the case of XXXX  no date of last payment even recorded. All violations. 

I've had no contact prior to this. I was never sent any notice of debt, by phone, or mail. Or given any time to dispute. violation. 

I disputed the account with all three bureaus, multiple times, and after notifying the credit bureaus about the multiple violations committed by XXXX, they continued to report the account, and failed to update the status to in dispute within the 30 day timeframe. another violation. 

After continuing to dispute this unknown company and the negative marks on my credit report, I challenged XXXX XXXX to validate the debt, they did not provide such documentation. Which makes sense, since why would a company who cant provide validation of this scam debt, follow FCRA Regulations. This is another violation. Instead of removing the scam accounts, they doubled down, and just closed them. I thought that was the end of it, but today XX/XX/XXXX, they reopened the account on my credit reports. with the " original '' dates for the account opening they claimed.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have a several credit card ( s ) in my name from your company opened sometime in XXXX WITHOUT my authorization. If you check my credit record, I have had a exemplary credit history up until around the end of XX/XX/XXXX. It was around XX/XX/XXXX, when my child 's mother utilized a previous address of, that my child 's mother, began using my personal information to open accounts in my name. also began abusing XXXX, XXXX and began stealing my credit info and personal property to XXXX XXXX XXXX XXXX As a result of these actions and several more that have been documented by the police thoroughly, in XXXX, and XXXX XXXX Pennsylvania, I have had to obtain a XXXX XXXX XXXX XXXX and flee the state of Pennsylvania because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that ALL my open/delinquent accounts be closed and interest stopped immediately. I have placed a freeze on any unauthorized accounts and placed a fraud report on my credit file. I have done this in XX/XX/XXXX with XXXX, XXXX, and XXXX.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX DATE : XX/XX/XXXX SOCIAL SECURITY # XXXX DATE OF BITRH : XX/XX/XXXX. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX OF XXXX XXXX XXXX Account Number # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I DEMAND FOR THE LATE PAYMENT collection from Opened XXXX TO BE REMOVED IMMEDIATELY. 

BEST REGARDS, XXXX XXXX.
Consumer complaint received 2022-07-18
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: Bridgecrest Acceptance Corporation (IL)

This company Bridgecrest continues to violate my rights as a consumer. I have never authorized or agreed to conduct business with this company. They claim this account was transferred from XXXX to Bridgecrest, but who authorized this? As a consumer I have a right to privacy, and in order for my personal information to be shared with a third party, i must give the company permission. I have never authorized Bridgecrest to have access to my information, nor did i give them my information to report to any credit reporting agencies. They have knowingly and willfully with held information that explained that I the consumer can exercise that nondisclosure right. Bridgecrest is in violation of federal law. This company has failed to comply with the Gramm-Leach-Bliley Act. As a financial institution collecting nonpublic personal information from their customers, there are certain disclosures i should have been made aware of. It was never CLEAR AND CONSPICUOUS that I was going into an agreement with Bridgecrest Financial.
Consumer complaint received 2023-04-05
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX XXXX : {$6600.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (LA)

I entered a consumer credit transaction with the alledged original creditor and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. A third party IC SYSYEMS are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. IC SYSTEMS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Consumer complaint received 2020-05-29
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. (TX)

SHOWING A LATE ON MORTGAGE FCRA VIOLATIONS IF IT CANT BE CORRECTED MUST BE REMOVED FTC VIOLATIONS XXXX  XXXX  XXXX  FTC VIOLATIONS FILED AND SENT
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

2014 opened a credit line for my company XXXX XXXX XXXX or XXXX XXXX XXXX  at the XXXX XXXX office in XXXX XXXX Florida. The amount was {$280000.00}. I hardly remember all of the details but it was for the purpose of buying and rehabbing single-family homes. Since that time, I moved on to a bank in XXXX XXXX XXXX and the credit line was paid off. The bank was ultimately closed or sold and a credit union by name of ( I Think XXXX XXXX XXXX ) took over their office space. The credit report shows NO BALANCE DUE but it is causing me difficulty in obtaining credit as it was a credit line and not a mortgage indicating I could write a check at any time, however, there is no balance, and there is NO XXXX XXXX. This large amount is nonexisting and it is causing me trouble as it restricts my borrowing and shows a high borrowing on my part. What can I do to get this removed or at least a statement showing that it has been paid off and the bank does not exist? 

I just learned that it was only Transunion was the only reporting company that still has it on their reports. XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report.XXXX charge off account opened in XX/XX/2007 in amount of XXXX in account ending in XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report.XXXX charge off account opened in XX/XX/2007 in amount of XXXX in account ending in XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

In XXXX XXXX XXXX Card sent me notification via mail and phone that I was delinquent on a my XXXX card and that I owed them {$9500.00} which I disputed and asked them for proof that this was my loan. XXXX never provided any such documentation. The XXXX hard I did have was closed with the highest balance being {$5600.00} to the best of my recollection. I pulled my credit report and did see the closed account, and also the account discover was referencing. XXXX never provided me with any contract or proof this was indeed my debt, but they did add it to my credit report. 
In late XXXX I was issued a court summons, XXXX using a private debt collection firm called XXXX and XXXX was suing me for the debit. I filed a sworn statement of denial of the debt, and asked the court to dismiss the case. While waiting for the date, XXXX and XXXX filed a motion for summary Judgement. In my response I stated this was not my debt again. When I appeared in court the attorney representing XXXX called me into a room where she tried to coerce me into paying the debt. When I refused, it went before the XXXX. The judge was angry at a previous case and read over mine, said I do not see any denial here and ruled in XXXX and XXXX XXXX favor. Over the last 8 years I have been sent repeated letters threatening action, and attempting to get me to pay for the debt. I have been unable to refinance my home, or do many normal credit related things, including help my aging mom a home recently, Also over the last 8 years as my credit began to improve XXXX card began sending me pre approved credit offers to attempt to get me further into debt. The entire time they were sending letters to collect a debt on a fraudulent judgement against me and my only home. I saved over 17 pre approved credit offers from XXXX card, and have 2 of the debt collection letters one from XXXX and one from XXXX. The credit offers are from various years and some were never opened. All addressed to me offering me " XXXX percent rates '' and " Earn Miles ''. Some of the offers are even personalized inside, addressing me by name saying how XXXX wants to help me. All the while they have a fraudulent Judgement against me, for an amount I never owed, that is preventing me from living my life and helping my family, We are trapped HELP PLEASE Amount XXXX and XXXX / XXXX say I owe is : XXXX for account ending in XXXX. Original Judgement for XXXX ( not my debt ).
Consumer complaint received 2018-03-15
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. (CO)

I have informed XXXX several times that I had a payment plan for the date of XX/XX/2016 and yet they still report to the credit agencies that this was a late payment.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (ID)

I had been sending money XXXX  via Moneygram for several years until about XXXX, 2019 when I was blocked from sending a transaction. When I called the customer service, they would not provide me with a specific reason my transaction was blocked. Furthermore, I wasn't provided with any information to rectify the situation. I waited about 3 or 4 months, I attempted again to send and was still blocked. I later opened a XXXX account and I was able to send one transaction. But the second time I tried to send via XXXX, I was blocked. I contacted their customer service, and they replied via e-mail. But they also failed to provide me with a reason or a solution to the problem.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.