davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
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. (TX)

I was involved in an identity theft incident and XXXX  DATA BREACH. I Have attached proof that this breach has caused harm to me. To my surprise, the criminals opened up accounts in my name that was never authorized by me. Please note that I provided the credit bureaus with the police report and the proof of my identity theft as well as proof directly from XXXX   that I was involved in the data breach which lead to my identity theft case. to no avail they refused to block the accounts temporarily while investigation which I know will be permanately removed. This is very frustrating and violates my consumer rights. Please don't say that you are still investigating because you have already passed the investigation time line.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (TX)

In XXXX of 2019 during all of this Covid 2019 pandemic a later payment appeared on my credit from this company I have never been late making a payment with them last 30 days not to mention their online account access never worked for me to process payments so as a courtesy they would send me text to make the payments because of the inconvenience with their online portal but then stopped sending the text which was negligent on their part. The last message I received to make a payment was in XXXX. Allowing for limited options for payments however I still made the payments. In Addition to that our country is in the middle of a pandemic which we were all affected by. I tried reaching out to the company but no resolution to the 30 day listed on my credit. Ive done some research and have seen reviews on this company and it appears Fortiva does this very often to clients and its not okay. They are very unprofessional and robbing innocent people during such trying times. Ive paid this account off in full.
Consumer complaint received 2020-05-15
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: Experian Information Solutions Inc. (CA)

I applied for student loan assistance during the forest fires in California because i was affected. The loan program said they would give a 1 year of none payment assistance and that i qualified for this based on my zip code. For whatever reason the loan reported that i did not make any payments. This resulted in lowering my credit score. When i spoke to the credit reporting company they said they cant do anything about it. When i spoke to the student loan people they said it was a mistake but that they can not fix it with the credit reporting company and that i would need to do that on my own. Neither party wants to help in correcting this mistake.
Consumer complaint received 2022-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FinCo Services Inc DBA Current (PA)

The online banking Current offered a {$500.00} sign up bonus, that is why I signed up for it. I was on my app XX/XX/22 and put the code in for the {$500.00} and it was accepted. I contacted them that day by email and they asked me where I got it and I am pretty sure it was XXXX because I just screenshot it so I would have it. I sent them both screenshots that I have and they still have not responded back to my email. The 2nd time was in a chat through the app and they said they were not going to honor it. Which I am very upset about because the code was accepted and they should have to honor there words. I counted on this money, thats the whole reason I signed up.
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (WA)

Hi, I lost my American express card ending with XXXX on XX/XX/XXXX. I reported the same to bank within 2 hours and they said they have blocked the old card and dispatched the new card to me. I got the new card on XX/XX/XXXX and i activated on the same day. 
On XXXX I realized that there has been three transactions made on my blocked credit card to buy something on XXXX. 
I notified the same to American express and they said no worries everything will be taken care of. But on XX/XX/XXXX one of the charge went through and i got email from American express that they have rejected my dispute request and i am responsible for those charges. 

I am still not sure, as a customer I have asked them to blocked the card and they confirmed me the same but still the person who found my card is able to make purchase with that card. 
I filled the police complaints and Notify the XXXX also about this. XXXX was able to cancel 1 order and notified 2 different 3p sellers to cancel the same I don't understand how Amex handles customers data and security. Still I don't have any answers from American express!! Amex were not even of any help in the whole issue which was created by them.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is the 5th time I had complained about fraudulent negative account on my credit report. The following account has bee deleted and sold several time and NO VERIFICATION has EVER BEEN PROVIDED. I HAVE NO CHOICE AT THIS POINT. PLEASE ADVISED XXXX XXXX, DEBT RECOVERY SOLUTIONS THAT THIS IS MY FINAL NOTICE BEFORE I FILE A LAW SUIT AGAINST BOTH 3RD PARTY COLLECTION AGENCIES. I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH NO RESPONSE IN THE PREVIOUS COMPLAINT. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.
Consumer complaint received 2023-09-23
Product: Credit reporting 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)

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : XXXX XXXX XXXX ( Bank ) XXXX XXXX  - REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX - REMOVE INQUIRY XXXX ( Hotel and travel ) - XX/XX/XXXX - REMOVE INQUIRY XXXX ( Finance ) - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX ( Retailer ) - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX ( Bank ) - XX/XX/XXXX - REMOVE INQUIRY XXXXXXXX XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX - REMOVE INQUIRY } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

THANK YOU, XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX
Consumer complaint received 2020-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

I had XXXX  XXXX at XXXX Hospital, XXXX, FL on XXXX XXXX, XXXX. I subsequently received a bill from XXXX Hospital in the amount of {$2400.00}. However, this bill had no detail, so I immediately requested a detailed, itemized bill from the hospital. It took many months for XXXX to respond to me with such an itemized bill, which I finally received in XXXX XXXX. I immediately paid this bill in full on a Mastercard,  which posted to that account on XXXX XXXX, XXXX. Unfortunately, XXXX forwarded this " unpaid '' bill to a collection agency, Wakefield & Associates, that same month. I subsequently learned that the communication between XXXX and Wakefield was not adequate, and that XXXX 's email notification to Wakefield informing them that the bill was paid went to an email account that was not monitored properly by Wakefield. Wakefield subsequently sent my name to XXXX in XX/XX/XXXX. When I became aware of this and saw my XXXX credit rating drop precipitously from XXXX to XXXX (! ), I began contacting all three parties -- XXXX Hospital, Wakefield & Associates, and XXXX -- to see how to resolve this. I was informed by Wakefield that they had since been notified the bill was paid, and that their records indicate a XXXX balance. I was further assured that they informed XXXX of this on XX/XX/XXXX, both electronically and via postal mail. I submitted at least 3 " Disputes '' to XXXX providing all of this information, as well as documentation from the original payment. As of today, XXXX continues to assert that Wakefield is informing them that the debt remains outstanding and my credit rating with XXXX remains damaged.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Information on my credit report remain inconsistent and inaccurate despite my request to the credit bureaus to have them removed. The XXXX XXXX XXXX failed to validate the debt they are trying to collect on me and i was never notified of such collection activities until i discovered them on my credit reports.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$7000.00}, {$8100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

This is the 5th time I had complained about fraudulent negative account on my credit report. The following account has bee deleted and sold several time and NO VERIFICATION has EVER BEEN PROVIDED. I HAVE NO CHOICE AT THIS POINT. PLEASE ADVISED XXXX XXXX, DEBT RECOVERY SOLUTIONS THAT THIS IS MY FINAL NOTICE BEFORE I FILE A LAW SUIT AGAINST BOTH 3RD PARTY COLLECTION AGENCIES. I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH NO RESPONSE IN THE PREVIOUS COMPLAINT. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.
Consumer complaint received 2022-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc. (KS)

{$30.00} owed to collections, cental state recovery. I already paid my medical bill Friday XX/XX/XXXX paid the amount of {$340.00} recept number XXXX. I did not recive adequate notice of another amount owed to anybody beside the original medical bill, now I have a separate bill in collection. To XXXX XXXX XXXX account number XXXX. They did not provider adequate information before submitting to collections. Aggressive billing and submitting to collections without adequate notifications. Do I have any other form of complaint that I can file? Date of incident is today XX/XX/2022 the amount owed supposedly owed since XX/XX/2022 is {$30.00}, not enough time from bill to collection warning very aggressive and wrong!
Consumer complaint received 2022-10-21
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. (IL)

The XXXX XXXX account is not mine, my ex husband and his mistress forged this account in XXXX when I found out about the account I contacted the police and XXXX XXXX XXXX XXXX and have been battling for over 3 years to get this account off me. I hired XXXX XXXX to help me and they submitted a challenge to Trans Union, XXXX and XXXX to request the contract because they will not provide to me. I have a Identity Theft case opened with the FTC reference # XXXX. I have been hitting a brick wall with trying to get this fraudulent account off me. I am asking that the credit bureaus request the actual contract. I have asked XXXX XXXX and they sent me a payment history? XXXX has removed the fraudulent account and I am asking XXXX and Trans Union to request the contract and investigate accordingly. I have opened several disputes with XXXX and Trans Union and they are not investigating, they are only going off the word of XXXX XXXX XXXX XXXX and coming back saying the account has been verified and updated. What information are you receiving to update? I would like to see the contract and my signature?
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (NY)

15 USC 1681a ( 2 ) ( a ) ( i ) REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ACCOUNT - XXXX XXXX XXXX
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

I have a federal student loan account with servicer Great Lakes Educational Loan Services and they have incorrectly reported my account as being " deferred '' when it is not in deferral status. I never requested a referral and have been made aware of a credit reporting error made to many people with this same loan service. I am on a {$XXXX} IBR plan and have been for years! The only change that should have been made to my federal student loan account was bringing down the interest rate to 0 % until XXXX due to the COVID-19 crisis. This horrible error in reporting has caused my credit score to be lowered by 20 points ( XXXX ) and 27 points ( XXXX ) respectively. I can provide proof. I have not had any other changes made to my report or caused anything to alter my score and it wasn't until my federal loan account changed statuses that I was made aware of the lowered score. This needs to be resolved immediately as I have now been placed in an entirely lower category of credit scoring. This is an extremely negligent business mistake on the part of Great Lakes. I contacted them to make them aware of the error and there was nothing the customer service representative could do to direct me to resolve this grave error.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2021-05-01
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. (NY)

I have disputed the following listed account below and it should not be on my credit report. This has been dismissed years ago Chapter XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (MI)

Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and I have previously sent NCB Management Services , Inc. several request to validate debt, NCB File Number : XXXX on XX/XX/XXXX2019, 17 XX/XX/2019, XXXX XX/XX/2019, and XXXX XX/XX/2019. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. I have given them reasonable time to remedy the situation. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter. 
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Since they are still reporting this account on my credit report, they are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from them by filing a claim in small claims court. I intend to follow through with the suit. 

They should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure their legal staff will agree that non-compliance with this request could put their company in serious legal trouble with the FTC and other state or federal agencies. 

I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices.