davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME OR AUTHORIZED BY ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

I was called today by what I believed was my power company. XXXX XXXX XXXX. They told me that my bill had not been paid and the the electricity would be shut off in 30 mins. This is a new account and electricity company to me so I believed something had gone wrong with my payment. So I became panicked. The temperature was freezing out and I was worried that my power would be shut off. I was promised it was the power company and they would help me. He advised me on how to make the payment. He said to go to my bank and make a XXXX payment be because and credit or debit card would not work. He said send {$290.00} to XXXX XXXX XXXXr and gave me the phone number to send it too. So I did. He then told me that the payment did not go through and to try again. So I did. He then also told me I have a security deposit that was due. And to make a payment of {$200.00}. I said I had never got a bill but he said that was a company error. Unfortunately I believed this scammer and now I have lost over {$490.00} to scammer. I feel as though I should have been better protected by the financial institution of PNC and XXXX XXXX XXXX. I had never heard of XXXX. So I didnt know it was so easy for a scammer to access the money. Please help me. It is right before XXXX and now Ive lost all my XXXX money for my kids.
Consumer complaint received 2020-05-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (KY)

This account has been closed for over three years. It has per my credit report been charged off 32 times. It now shows open as of XXXX. The representative stated that a manager stated XXXX  would take care of this balance but is still saying it is owed. I have never been contacted from any other representative or third party. I also did not give authorization to send my information to 32 organizations/third party. This account has been closed and shown closed for over three years and as of XX/XX/2020 this company reopened my account.
Consumer complaint received 2020-07-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I contacted Capital One at the advice of XXXX  to have them request to have a credit card account added back to my credit report. A supervisor from Capital One stated that they don't work for XXXX  and that they do not send requests. He stated that XXXX  is responsible for adding the account.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my extreme frustration and concern regarding the repeated attempts to remove fraudulent items from my credit report. Despite providing clear evidence of fraudulent activity and requesting their immediate removal, these items persist on my credit report, posing a significant threat to my financial well-being. 

The fraudulent items in question include [ describe the specific fraudulent entries, such as unauthorized accounts, inquiries. I have diligently reported these instances of fraud to your agency and have provided all necessary documentation to support my claims. However, to my dismay, these fraudulent entries remain on my credit report, tarnishing my creditworthiness and causing undue hardship. 

I urge you to take swift and decisive action to rectify this situation. It is imperative that these fraudulent items be expeditiously removed from my credit report to prevent further damage to my financial reputation. I demand immediate confirmation once the removal process has been completed. 

Furthermore, I expect your agency to implement enhanced security measures to prevent similar instances of fraud in the future. It is unacceptable that fraudulent activity continues to infiltrate my credit report despite my efforts to safeguard my personal information. 

I am deeply troubled by the impact that these fraudulent items are having on my financial stability and overall well-being. As a consumer, I rely on your agency to maintain accurate and reliable credit reports, free from fraudulent entries that undermine my financial credibility. 

I request a thorough investigation into the handling of my previous disputes and an explanation for the repeated failures to remove these fraudulent items from my credit report. Additionally, I seek assurance that measures will be taken to improve your procedures for handling fraud-related disputes and to prevent similar occurrences in the future. 

Please treat this matter with the utmost urgency and provide me with a comprehensive response outlining the steps taken to address my concerns. I am asking for your assisstance to remove these fraud items in my credit file : 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 2022-12-20
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: EQUIFAX, INC. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXXXXXX Balance : {$510.00} XXXX XXXX  XXXX Balance : {$350.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance XXXX {$510.00} XXXX XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} ( Original Creditor XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$510.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below 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.

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 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 or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (FL)

In accordance with the fair credit This creditor has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end consumer credit plan as late for any purpose. 

SANTANDER CONSUMER USA XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me an found unverifiable, invalidated, inaccurate, and questionable items that were reporting on my credit report. i reported these items to your agency over 30 days ago to ensure that these items were reporting 100 % correctly by the credit bureaus. 

In accordance with the Fair Credit Reporting Act, everything has to 100 % accurate on my credit report and Under 15 U.S Code 1681a ( b ) and15 U.S Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts previously disputed as being inaccurate were properly investigated and came back verified., However, how's this true when there are still inaccuracies on my report? 

As a consumer, I request to know the steps your agency took to inure these items XXXX % accurate under 15 U.S.C 1681 ( 7 ) Method of verification Description of reinvestigation procedure. 

RESOLUTION : As a consumer by law my credit report must be 100 % accurate immediately by the credit reporting agencies and or deleting the accounts listed in the previous dispute and also this letter. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX XXXX  Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account info Account name XXXX  XXXX Account number XXXX Account name XXXX/XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Bankruptcy XXXX XXXXXXXX Filed on XX/XX/2022 Reference number : XXXX Court : US BKPT CT XXXX XXXXXXXX Bankruptcy XXXX XXXX Filed on XX/XX/2022 XXXX number : XXXX Court : XXXX XXXX CT XXXX XXXXXXXX
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hard Inquiries XXXX/XXXX  : XXXX 2020 XXXX XXXX : XX/XX/2020 XXXX XXXX XXXX XXXX,2020 XXXX XXXX  : XX/XX/2020 XXXX XXXX  : XX/XX/2020 XXXX XXXX XXXX  XXXX : XXXX XXXX2020 XXXX, Transunion I don not recognize or recall these statements
Consumer complaint received 2020-07-02
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. (MO)

Sent a complaint to Experian on the XX/XX/2020 explaining and giving specific details about the inaccurate information on my report! There response was if I gave full ssn number they will investigate the matter! Which I gave in the first complaint!
Consumer complaint received 2020-07-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 day time frame, and I have not received a response regarding dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days..
Consumer complaint received 2020-07-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 day time frame, and I have not received a response regarding dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days..
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Atlanticus Services Corporation (NJ)

on XX/XX/2017 I applied for XXXX XXXX credit card and I had hard inquiry on XXXX  which fine and normal then I found another hard inquiry for same company on XX/XX/2017 I did apply for the credit onetime and I got approved on XX/XX/2017 for credit line XXXX . I never apply again to get another hard inquiry for same credit card in few week after XX/XX/2017. its from XXXX XXXX for XXXX XXXX XXXX XXXX. thanks
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (CA)

I am writing to lodge a formal complaint against Mercedes-Benz Financial in relation to a matter concerning my account # XXXX, initiated approximately between XXXX of XXXX and present day of XXXX. Specifically, I requested a Debt Validation of said account and subsequently received a communication containing a list of transactions associated with the account. Regrettably, despite statutory mandates outlined within the Fair Debt Collection Practices Act ( 15 USC 1601 - 1693 ), I did not receive the complete array of disclosures, service agreements, and signed instruments pertinent to the purported debt, nor was a signed copy of the promissory note provided. I have diligently pursued resolution of this matter through direct communication with representatives of Mercedes-Benz Financial . However, notwithstanding these efforts, I have been informed that the promissory note remains unattainable. It is imperative to note that pursuant to pertinent legal statutes, particularly the Bill of Exchange Act and Negotiable Instrument Act, the conversion of the promissory note into a negotiable instrument would signify satisfaction of the alleged obligation. Furthermore, a review of my credit report reveals that the purported debt has been charged off. In light of this, I am compelled to inquire as to the absence of any documentation, specifically a copy of the 1099-C form, indicating the discharge of indebtedness filed with the Internal Revenue Service XXXX IRS ) and the said vehicle was threating to be repossessed around XXXX XXXX so a Debt Validation letter sent around XXXX of XXXX. The actions, or lack thereof, undertaken by Mercedes-Benz Financial have resulted in considerable uncertainty and distress. It is my firm belief that such conduct may contravene provisions established within various consumer protection statutes, warranting regulatory scrutiny and intervention. In light of the foregoing, I respectfully request that the Consumer Financial Protection Bureau undertake a thorough investigation into the practices of XXXX XXXX XXXX with regard to this matter. Additionally, I seek redress commensurate with any identified breaches of consumer protection statutes, as well as clarification and resolution of the outstanding issues surrounding my account.
Consumer complaint received 2024-05-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates (FL)

XXXX XXXX XXXX has sent my account to a collection agency named Prince Parker and Associates Inc. However, I haven't received any notice of cancellation for my account with XXXX XXXX XXXX. I have been making monthly payments towards the balance and checking in on the account regularly. The balance on that account is due to a life-changing event ( divorce ), where the other party stole several products used by XXXX. Per customer service, the account was canceled on XX/XX/XXXX. But I have been making monthly payments on the balance until the present date. Recently, on XX/XX/XXXX, Prince Parker contacted me via email for the XXXX balance. When I told them I wanted to dispute, they responded about the grounds and why! I believe that these two companies have violated my rights under the FDCPA by using deceptive practices to collect a debt that has been receiving payments monthly. They have also violated how my information is collected, used, and shared, and other state laws in this issue.
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (NY)

I sent an email requesting the following information : Can you provide detailed information about the debt being collected, including the original creditor 's name, account number, and the date the debt was incurred? 
How much is the total amount being claimed, and can you provide an itemized breakdown of the charges and fees associated with the debt? 
Can you verify the accuracy of the personal information associated with the debt, such as my name, address, and Social Security number? 
Can you provide documentation or proof of ownership of the debt, such as a copy of the original contract or agreement? 
Have you validated the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), including providing verification of the debt upon request? 
Can you provide a detailed history of the debt, including any previous attempts to collect and communications regarding the debt? 
Are there any inaccuracies or discrepancies in the collection report that need to be addressed? 
Can you explain any charges or fees that I don't understand or that seem excessive? 
Have you reported this debt to any credit bureaus, and if so, can you provide information on when it was reported and to which bureaus? 
What steps can I take to resolve any errors or disputes on the collection report, and what is your process for investigating and correcting inaccuracies? 

The email address, along with another alternate email address has my address blocked so I can not communicate with them to resolve the debt after verifying the information of the collection
Consumer complaint received 2023-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

EdFinncial complaint On XX/XX/2023, I attempted to make a {$100.00} payment towards interest on one of my two EdFinancial student loans. In the Auto Allocate page, I marked that I wanted {$100.00} to be applied to Loan XXXX XXXX XXXX ( XXXX ). 

On the next screen ( XXXX ), EdFinancial changed the amount to {$53.00} from {$100.00}. There was no way to go back and XXXX ) change the amount to what was entered, and XXXX ) to change the amount to what was entered. 

EdFinancials third payment preview screen ( XXXX ) also showed the EdFinancial changed payment amount of {$53.00} instead of the {$100.00}. 

In attempting the payment of {$100.00} again to be applied to my loan XXXX XXXX XXXX, I was able to specify {$100.00} to be applied to that exact loan ( XXXX ). 

However, EdFinancial changed the payment split between the loans. Now, EdFinancial was keeping the payment of {$100.00} but forced the split between two loans ( XXXX ). XXXX XXXX XXXXXXXX XXXX does not have any interest owed. 

EdFinancial did take the second payment as {$100.00}, instead of {$53.00} from the first payment ( XXXX ). EdFinancial failed in having an account holder be able to pay specific amounts to specific loans in the amount specified by the account holder ( XXXX ).
Consumer complaint received 2023-07-17
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. (FL)

Wrong address displayed on credit report immediately remove XXXX XXXX XXXX XXXX XXXX fl XXXX and any other address my only and current address Is XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX I