davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-03
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Feldman & Stern, LLC (GA)

A gentleman from this company called me in an extremely threatening manner saying he was filing a lawsuit on me tonight for a balance from a XXXX for {$190.00}. This debt is 5 years old and they had been sending me notices to an address I have not lived at for 5 years. I explained that I do not have that kind of money at the time, but would be willing to set up a payment plan. He said no, either you 're paying the balance or I 'm filing a judgement and you are paying court costs, too, in a VERY threatening and hateful tone. This man scared me, quite frankly!! I want something done about this, as I am in tears now!
Consumer complaint received 2022-09-21
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: Lockhart, Morris & Montgomery Inc. (LA)

Identity theft is the intentional use or possession or transfer or attempted use with fraudulent intent by any person of any personal identifying information of another person to obtain, possess, or transfer, whether contemporaneously or not, credit, money, goods, services, or any thing else of value without the authorization or consent of the other person.
Consumer complaint received 2024-01-14
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: Experian Information Solutions Inc. (GA)

There are numerous inquiries on my reports that I did not make. These inquiries are violating my right to accurate credit reporting. They need to be deleted from my credit file ( s ). FTC advised me to report them to CFPB directly. 

Experian : XXXX ( XX/XX/2023 ), XXXX XXXX ( XX/XX/2023 ), XXXX ( XX/XX/2023 ), XXXX XXXX ( XX/XX/2023 ) XXXX : XXXX XXXX XXXX ( XX/XX/2023 ), XXXX ( XX/XX/2023 ) XXXX : XXXX XXXX ( XX/XX/2023 ), XXXX XXXX XXXX XXXX XXXXXX/XX/2023 )
Consumer complaint received 2016-01-12
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AL)

Went to XXXX XXXX, XXXX, AL on XXXX XXXX, XXXX to try to purchase a car. The salesman conducted a payoff verification via phone, and a Santander Consumer USA representative divulged other account information to the salesman in addition to the payoff. Consumer contacted Santander Consumer USA and filed a complaint, immediately. Today, XXXX XXXX, XXXX, a representative from the Santander 's president 's office contacted me to state that there is no record of anyone from the office verifying a payoff on my account -- clearly, a bald-faced lie. Consumer witnessed a telephone call of the salesman that lasted 10 minutes, and the salesman revealed the information that was written down on a piece of paper. Where did this information come from? Santander is trying to " wash its hands '' of this privacy violation. 
Santander is claiming no such transaction took place, and it has completed its investigation. No action will take place.
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Onity Group Inc. (FL)

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2013 to XX/XX/2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

On my most recent copy of my credit report, as of XX/XX/2019 I noticed that all of my Open credit  cards accounts that are in " good standings '' have been deleted from my credit file report. The following accounts have been deleted without my permission : 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX XXXX 3. ) XXXX XXXX XXXX 4. ) XXXX XXXX XXXX 5. ) XXXX XXXX  XXXX XXXX CO 6. ) XXXX XXXX XXXX 7. ) XXXX XXXX XXXX 8. ) XXXX XXXX  XXXX 9. ) XXXX XXXX XXXX 10. ) XXXX XXXX  XXXX 11. ) XXXX XXXX XXXX 12. ) XXXX XXXX XXXX 13. ) XXXX XXXX XXXX 14. ) XXXX XXXX XXXX 15. ) XXXX
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I HAVE NOTICED THAT THEIR ARE UNAUTHORIZED ACCOUNTS THAT WERE OPENED USING MY NAME AND HAS IMPACTED MY CREDIT SCORE. I AM A VICTIM OF IDENTITY THEFT. THESE ARE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX THESE ARE FRAUDULENT ACCOUNTS THIS FOLLOWING CARD IS WITH XXXX XXXX AND I TALKED TO THEM ON THE PHONE FOR HOURS AND MULTIPLE EMPLOYEES HUNG UP ON ME WITHOUT SOLVING. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE TOLD THE COMPANY THAT I USED THIS CARD TO MAKE RENT PAYMENTS BUT THE REST OF THE CHARGES WERE UNAUTHORIZED AND I HAD THE CARD STOLEN THE COMPANY DID NOT RESOLVE THE ISSUE AND NOW CONTINUES TO ADD LATE FEES TO MY REPORT AND ALSO COMPOUND INTEREST. 

THIS FOLLOWING LOAN WAS ALSO OPENED UP IN MY NAME AND THE COMPANY HAS NOT VERIFIED I AUTHORIZED THE LOAN AND NOW THEY HAVE CLOSED THE ACCOUNT BUT THE DEBT IS STILL ON MY REPORT XXXXXXXX XXXX XXXXXXXX THE CLOSED LOAN AMOUNT IS {$77000.00}
Consumer complaint received 2017-10-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (HI)

Alleged company use scare tactics to threaten me to pay. I ask for debt validation numerous times yet no validation proven debt is mine. They violate my rights. Company not legit at all as do n't know what their REAL address. This company real fake.
Consumer complaint received 2024-01-14
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILE # XXXX DATE XXXX XXXX XXXX XXXX  COLLECTION ACCOUNT SHOULD NOT BE REPORTING AS LATE OR PAST DUE. 

REMOVE THIS ACCOUNT FROM MY CREDIT FILE IMMEDIATELY AND SEND ME A NEW UPDATED CREDIT REPORT. 

According to the Fair Credit Reporting Act, Se

ction 611 ( 5 ) ( A ) of the FCRA You are required to promptly DELETE all information that is inaccurate. THIS IS A CLEAR VIOLATION of the FCRA USC 1681S-2.
THIS ACCOUNT IS REPORTING AS INACCURATE. 
XXXX XXXX XXXXXXXX Reporting as PAST DUE AMOUNT {$7300.00} This is not my account. I never had an agreement with this Collection Agency.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America settled a lawsuit regarding compensation for overdraft fees. I have not received any communication if I was impacted. The Bank provided a contact number ; no other communication about the settlement is available other than the communication I have located via the internet.
Consumer complaint received 2017-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These collection accounts below are not mines. I have contacted all three agencies and the Attorney General in which these companies have XXXX in to dispute the collection tactics. 

COLLECTIONS NCC BUSINESS SERVICES Last reported : XXXX XXXX, XXXX + {$5900.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX reported : XXXX XXXX, XXXX + {$310.00} Needs Attention
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NJ)

I disputed a public record on my Equifax Report on XXXX. I have been trying to have these records removed from my file for a long time now. There are XXXX public records that have been dismissed by the court and I am not responsible for them. The are not present on my credit file from XXXX or XXXX. However every time I dispute it with Equifax they confirm my ownership and will not remove it. It keeps damaging my score.
Consumer complaint received 2017-10-06
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. (CA)

I filed a police report with the XXXX Department XXXX XXXX XXXX. I sent the police report to the three credit agencies. 

XXXX and XXXX received the police report and blocked this information : 1 ) XXXX XXXX # XXXX 2 ) XXXX XXXX # XXXX 3 ) XXXX XXXX XXXX # XXXX 4 ) XXXX XXXX  XXXX # XXXX 5 ) XXXX XXXX # XXXX 6 ) XXXX XXXX # XXXX 7 ) XXXX XXXX # XXXX 8 ) XXXX XXXX # XXXX 9 ) XXXX # XXXX 10 ) XXXX XXXX # XXXX They sent notice to EQUIFAX AND XXXX stating : Blocked fraudulent infromation and provided the accounts. 

After speaking with Equifax they stated on the phone : " We received notice that XXXX XXXXnd XXXX received a VALID police report and blocked the above mentioned accounts ; however, at this time we take notice to rescind the block '' I asked why? They stated they have no reason ; they do n't block fraudulent accounts. 

SO! They verbally told me that they ignore the FCRA 605B LAW which states when they receive a valid police report from the police, credit bureau or consumer, they are required by law to PROTECT me, the consumer, and block and remove the information immediately. 

Equifax is ignoring this law. They are ignoring a law enforcement report. They are also ignoring their fellow credit bureaus which they share certain information this. 

This is not LEGAL. This practice needs to stop.
Consumer complaint received 2017-10-06
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: Omni Group, Inc (FL)

Called and reported to be from a law firm representing a company tryong to serve me with a summons. Then called both of my parents immediately after o did n't answer the phone and left the same message. I called back and they threatened to send the process server to my work and that I needed to take care of thos now. I told them I do n't know who the credit card was from and do n't even remember having it. They continued the tactics until i agreed verbally to a payment plan. Then they sent me a contract to stop the process. Once I had a few minutes to think, I checked the XXXX clerk of courts and there were no suits against me and then looked at my credit and thos was n't even listed.
Consumer complaint received 2023-03-14
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Concerns About My Personal Info Being Shared Without Permission Hello, I hope you're doing well. My name is XXXX XXXX, and I need to talk to you about something important regarding my credit report. 

I noticed that some of my personal information was shared with another party without my permission. This doesn't seem right, and I believe it goes against the rules in the law ( 15 U.S. Code 6802 ) about sharing personal information. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to know and control who accesses my personal details. The fact that my information was shared with someone not connected to your agency raises concerns about my privacy rights. I never had the chance to say no to this, which the law requires. 

I want to be clear that my concern is not with the companies I owe money to but with your agency for sharing my information without asking me. 

I checked the law ( 15 USC 1681b ), and it says you need my written permission to share my personal information. Since I haven't given that permission, I'm asking you to show proof that I agreed to it. If you can't, it might mean a violation of FCRA rules.

I've already reported this to the Federal Trade Commission ( FTC ), and my complaint number is XXXX. I'm worried that this unauthorized sharing might be a form of identity theft ( 18 USC 1028a ). 

I officially request you to remove the following accounts from my credit report within XXXX business days : XXXX XXXX - Account Number : XXXX ( this account has multiple errors from XXXX to XX/XX/2022, showing a repetitive late payment of XXXX days, violating 15 USC 1681eb and inaccurate reporting ) XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX I have the right to fair and accurate credit reporting, and fixing these mistakes is crucial for the accuracy of my credit report. 

Also, I need you to explain how you verified that the information you have is accurate and that I had the chance to decline it. This is important for fairness and accuracy in credit reports. 

I hope we can resolve this matter within the specified XXXX business days. If not, I might have to consider legal action. 

Thank you for addressing this promptly.
Consumer complaint received 2017-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

I received a notification in the mail from Jefferson Capital Systems for a debt they bought for a XXXX XXXX bill. They also placed this debt on my credit report. I disputed this debt immediately because I have never had a XXXX XXXX account or know what this would be for. I requested proof of debt ( which they could not provide ) and requested this be removed from my credit report because this is not my debt. This occurred XX/XX/XXXX. I, also, reported this dispute to the credit reporting agencies. They just placed a line note on my reports, but it would n't be removed until XX/XX/XXXX.
As of XX/XX/XXXX the debt is still on my credit report. This is impacting my finances for a debt that is n't even mine.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX has made claims that the Bankruptcy on my record is valid and verified but refuses to send me verifiable proof even though iv requested several times! they must remove this Bankruptcy pursuant to 15 USC 1681 sub section 604 they can not furnish my acct without my written consent. And have failed to send me verifialible proof of the acct please remove it immediatley or i will pursue litigation against them under section XXXX XXXX XXXX
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXX card acct # XXXX I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! 
Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to 69 a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the late payment transactions deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time.

Further more 15 USC 1666b ( a )
Consumer complaint received 2016-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

A Public Record information is reporting on my personal credit profile and I am challenging it as inaccurate in its filing. The Federal Bankruptcy Court has concluded the action as dismissed. By definition, the term " Dismissed '' means that it is adjudicated by the law. The filing concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for XXXX years. The Bankruptcy Court has confirmed that they did not " verify '' information to the credit agencies as they are stating. By Consumer Law I have the RIGHT to have information of who has verified this as a derogatory. This discrepancy has prevented me in my personal life 's pursuit. I want the CFPB advocate for me in this challenge.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I reviewed my consumer reports and noticed that I had a few late payments on an accounts that were never late. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have NEVER BEEN LATE. Please investigate and provide proof with statements showing that I was late. If you can not provide proof I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was NEVER LATE. Imagine all the people being affected by these type of errors. PLEASE FIX THIS IMMEDIATELY.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. I am requesting this accounts to be removed or marked paid for less I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts on my report The agency clarity services has violated my federally protected consumer rights to privecy 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 also under codes 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e ) 6 Violations in total