davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - THIS IS NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX THIS IS NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 


( XXXX ) XXXX - not my number ( XXXX ) XXXX - not my number XXXX XXXX XXXX not my name XXXX XXXX- not my name XXXX XXXX XXXX- not my name XXXX XXXX XXXX XXXX- not my name XXXX XXXX  XXXX - XXXX - THE DATE OF LAST PAYMENT IS DIFERENT IN ALL THREE CREDIT AGENCIES, REMOVE LATE PAYMENTS. 


XXXX XXXX - XXXX - this account does not belong to me XXXX XXXX - XXXX - this creditor does not own this account. 



XXXX XXXX/XXXX- XXXX - I was never late on this account. 



XXXX XXXX - XXXX - paid, never late. 



XXXX XXXX XXXX XXXX - please send me the docs that prove that I was ever late. 



XXXX XXXX XXXX XXXX XXXX - XXXX - remove due to inaccuracy - I never paid late. 










XXXX, XXXX - XXXX - The original account was never verified ; how can this account continue to report on my credit? This is unlawful reporting and unless I can see your proof, this must be removed immediately XXXX XXXX XXXX XXXX - XXXX - This account is outdated it should have been removed automatically and yet, it shows as if its a new account! 
XXXX XXXX XXXX XXXX - XXXX- Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact! 
XXXX XXXX XXXX XXXX - XXXX - Why are there are late payments reported on the original account after it was sold to a collection agency? As far as I see it, that would make the account inaccurately reported, right? 

XXXX XXXX - XXXX - The original account shows late payments AFTER this account was sold to a collection agency. This account can not report on my credit file XXXX XXXX
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/XXXX, I opened an account with XXXX XXXX XXXX The account was closed on XX/XX/XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
Consumer complaint received 2021-04-12
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. (NJ)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-09-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (NC)

On XX/XX/XXXX, I filed a complaint against Complete Credit Solutions for placing a fraudulently-opened PayDay loan debt on my credit report. Those types of loans are not even legal in the state of North Carolina. Despite the complaint, this collection agency continues to report this travesty on my credit report. I did receive a response from the CFPB, that Complete Credit Solutions responded to our complaint, but I sure never got a copy of it. The CFPB informed me that on XX/XX/XXXX, that Complete Credit Solutions mailed me a copy of the response to the complaint, but the response was not available online. I know the US postal service is slow. But I can't imagine that it takes 2 weeks to deliver a letter from their office to my home. I've been checking my mailbox religiously every day, and nothing has arrived from Complete Credit Solutions. So not only are they collection agency that doesn't follow federally mandated protocols, they have now also proven themselves to be liars. I even called them at the number that you provided, and the representative I spoke didn't even know what I was talking about, when I asked for a copy of the response to my CFPB complaint. Its now been a month since I filed the complaint, and I don't think that its too much to ask to find out what's going here. After all, I am the party that was harmed, and this situation just seemed like it was blown off with nothing done.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA has refused to provide WRITTEN DOCUMENTATION OF MY FRAUD REPORTS OF XXXX & XXXX. 
Two years later still USAA Refuses to provide. WRITTEN documentation of * RESOLVE. COMPLETION OF INVESTIGATIONS. ON ALL THE UNAUTHORUZED TRANSACTIONS I REPORTED. ( ** XX/XX/XXXX THERE ARE {$2.00}, XXXX OTHER FRAUD CREDITS NOT INCLUDED IN THE TOTAL CREDITS FOR XX/XX/XXXX. ALL USAA FRAUD CREDITS ARE INTERNAL HIDDEN FROM CONSUMER. ** ) USAA WAS FINED XXXX   OF DOLLARS XX/XX/XXXX FOR NOT RESOLVING ERRORS ON XXXX MEMBERS some my familys ACCOUNTS that I recommended usaa to ** BY LAW I DEMAND WRITTEN PROOF OF RESOLVE OF FRAUD REPORTED COMPLETION OF INVESTIGATION WITH PROOF I PURCHASED FROM MY IP ADDRESS AND MERCHANTS DOCUMENTION INCLUDED PROOF DELIVERY ACCEPTED & SIGNATURE. XXXX & XXXX.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (MD)

Early Warning System issued a report on my banking activity. It contains numerous false statements and Ive tried to address these issues with the company but it seemingly refuses to rectify them.

I can not open any checking account because of the report. This causes great inconvenience and the company informed me that the false information will stay on my record for five years.
Consumer complaint received 2022-02-10
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. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX Late Payment from XXXX  XXXX XXXX  Late Payment from XXXX XXXX Chapter XXXX Bankruptcy I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

This is my third complaint to you. Each time I put in a complaint it comes back with answer that is not helping. They answer with a generic response and no willingness to cooperate whatsoever.

1- We were given a modification that was higher than the initial trial payments making it very difficult to pay.

2 - I was given covid relief during the 7 months in question after the modification which they will not acknowledge.

3 - They have added on extra interest that my modification does not call for and refuse to deal with this in a humane way.

4 - They have gone against the foreclosure rules of the state of California and Federal government and are threatening to foreclose my house.

5 - I have asked for a complete 5 year accounting of all debits and credits and I have never received it
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-04-12
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. (GA)

AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WAS A FRAUDULENT ACCOUNT REPORTING ON TO MY CREDIT REPORT. THE ACCOUNT IN QUESTION IS WITH XXXX XXXX. I HAVE ATTEMPTED TO CONTACT THEM MULTIPLE TIMES TO REQUEST INFORMATION FOR THIS FRAUDULENT ACCOUNT. I HAVE FILLED OUT NUMEROUS DOCUMENT IN ATTEMPT TO GET THIS INFORMATION REMOVED YET THEY CONTINUE TO REPORT THE FRAUDULENT INFORMATION TO ALL THREE CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE ME INFORMATION PROVING THIS FACT. AT THIS POINT THEY HAVE STOPPED RESPONDING TO MY EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. I HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS ME AS A CONSUMER TO REQUEST COPIES OF MY CREDIT REPORT AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2019-10-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I was contacted by XXXX XXXX XXXX regarding a old payday I had with Checksmart however that debt was included in a recent bankruptcy that was filed. They threatened to pursue legal action against me even though I advised them this debt which is very old was included in the bankruptcy filing. I was hung up by two representatives after explaining my situation.If I don't pay the requested funds within two days they're threatening to contact my employer as well as garnish my wages.
Consumer complaint received 2022-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I contacted TransUnion the credit reporting company about an inquiry having been made on my credit report on XX/XX/2022. The report according to TransUnion was requested by XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX Texas, XXXX. However, there are no XXXX branches at that location. The closest XXXX facility is, and ATM located at XXXX XXXX XXXX XXXX, XXXX Texas. So, it didn't make sense to try to contact XXXX yet since that was an ATM. Of note, the only bank showing this credit inquiry was our XXXX XXXX XXXX XXXX in XXXX XXXX, SD. Neither my wife XXXX XXXX or myself XXXX XXXX XXXX have applied for credit of any type in years. Further, we enjoy basically perfect credit scores because of our credit history. Today, XX/XX/2022, I received a call from a number I didn't recognize. They requested I call them back at XXXX. They gave me a reference # XXXX is to XXXX information. This call originated from XXXX XXXX, TN, phone # XXXX. Note, I've never had contact with this number before, nor do I recognize it. Anyway, this was all too suspicious, so I Googled the search term XXXX information XXXX city tn. Low & behold I found in results for this that this XXXX number was being used for a XXXX credit card phishing scam. Whoever is doing this stuff needs to be stopped. According to my XXXX search this has been going on from this telephone number for over a year. All the complaints were about attempts by these people calling to get credit information.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act XXXX  XXXX, has violated my rights. 

15 USC 1681 section 602 a state I have the right to privacy.

15 USC 1681 section 604 A section 2 it also stated consumer reporting agency can not furnishing account without my written in instructions 15 US C166B a creditor May not treat a payment on a credit card account under any open in consumer credit plan as late for any reason
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (MI)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as XXXX. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. This complaint should not be closed at any time for authorization needed. As this submitted complaint with attached documents will be my written authorization
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

Franklin Collection Service has failed to provide proof that I indeed owe this debt. They still report it to the credit bureaus without proof that I asked for. They are violating my Fair Debt Collection rights. Please remove this debt because Im never going to pay it. I do not owe it. Plus I was affected by natural disaster Covid 19.
Consumer complaint received 2021-07-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, Myself, My brother, My sister-in-law, My step-father, and mother received a voicemail from an " unknown '' number stating the following : XXXX XXXX is calling regarding a legal document she's is supposed to serve and have me sign tomorrow between XXXX and XXXX and if she didn't obtain a signature I would be marked on the document as failure to comply and the process will continue without me. The Phone number is ( XXXX ) XXXX. 

When I called the phone number back, an " XXXX XXXX '' answered the phone and told me that if I didn't set up a payment arrangement to handle an old debt with Capital One from XXXX, that I would be served for a civil litigation tomorrow. I asked for something in writing as I don't have this debt on my credit report and have not received any thing in the mail regarding this matter ever and she told me that I could not receive anything in writing unless I set up a payment arrangement. the more I questioned her the more she argued with me and said " have fun in court '' and it eventually got to the point of her hanging up. when I called back she answered the phone with a different name and eventually blocked my phone number.