davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-08
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: GOLDEN 1 CREDIT UNION, THE (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-08
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: Convergent Resources, Inc. (FL)

XXXX XXXX I mailed a certified dispute letter to CONVERGENT OUTSOURCING and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 700 complaints on XXXX  they also have over 650 complaints with the CFPB I Demand A DELETION REQUEST OF THE ACCOUNT
Consumer complaint received 2021-10-08
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. (FL)

I was shocked when reviewed my credit report and found late payment on the dates below. 
Creditor : XXXX XXXX XXXX Account # XXXX I was never late 30,60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I am not sure how this happened. I have always made payments in full and on time to you when I received my statements.my only thought is that there was a billing error with my statement.
Consumer complaint received 2021-10-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Over the last several years, Experian, XXXX, XXXX has put inaccurate, unverifiable, invalid and obsolete items on my credit report. Ive disputed all of them with no answer, result, or information regarding these issues. 
As Ive been researching and learning ways to fix/protect myself against these negative items, I have uncovered not only that what theyre doing is unethical, but illegal. Over the last several months I have personally sent letters disputing these negative items with explanations but continue to be ignored. 
I have sent my final letters, over 30 days ago and once again a couple of days ago, pointing out that they are in violation with the FCRA, sections 601-629, without a response or resolution. 
I am extremely frustrated, anxious and appalled that it is so easy for these big private companies to take advantage of the public. Because of this, I am urgently reaching out to you to ask for your help and support in resolving this issue. Anything you can do to resolve this and hold them accountable for these unethical practices will be truly appreciated. 

XXXX XXXX XXXX Amount Owed : {$1100.00} in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No action. 

XXXX XXXX  XXXX XXXX XXXX Amount Owed : {$230.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

XXXX XXXX XXXX Amount Owed : {$1400.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

US DEPT OF EDUCATION Closed Charge Off Amount : {$1600.00} XXXX XXXX XXXX Bank Inquiry for Individual XX/XX/XXXX No Action. 


XXXX XXXX XXXX Banks Inquiry for Individual XXXX XXXX, XXXX No Action.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I have been disputing this account for some time now with Fair Collections and Outsourcing. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Consumer complaint received 2021-10-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (DE)

They have changed the amount to this alleged account two to three times per monthThey keep changing the amount from {$450.00} to {$450.00} which is illegal. Ive never made any payments on This accounts on XX/XX/XXXX I sent a letter to this company asking for them to validate the account, but they have yet to so. As per FCRA, if XXXX debt collector does not verify the account ; it must be removed. At this point Im going to have to file a complaint with the FTC and small claims court. This is illegal and they have yet to prove that they can collect in this debt. On XX/XX/XXXX they removed the account from my report and added it back to flag it as a new account
Consumer complaint received 2021-10-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc. (TX)

I have been disputing this account for some time now with Harvest Associates. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Consumer complaint received 2021-10-08
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: EQUIFAX, INC. (WI)

I have reach out to XXXX, Equifax, XXXX to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.
Consumer complaint received 2021-10-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio recovery associates. They call me late at night when asked not they. They always call me from different numbers never the same. The only call the same until I block them because they will call multiple times a day. They will swear at you when you get mad. They do nothing but Harass you. I was in a car accident I pay the money that I can little at a time and they will not stop calling me.
Consumer complaint received 2021-10-07
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I was affected by the XXXX XXXX and furloughed by the time i had to pay for the balance. I told the school and there was nothing to do therefore i paid it late. The school updated my balance and yet the collection agency is still reporting it. The balance is paid.
Consumer complaint received 2021-10-08
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. (GA)

I have disputed 3 times the following information with the 3 major credit bureaus, XXXX, XXXX and TransUnion, to which each failed to comply with Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. Attached you will find supporting documentation for each dispute submitted to each credit bureau including tracking numbers from USPS. 

XXXX is currently reporting the following incorrect information :
Consumer complaint received 2021-10-08
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. (FL)

Attached is the image of unauthorized inquiries on my credit report with all credit bureaus. 

The unauthorized inquiries are : XXXX inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX Inquiry from XX/XX/2021 XXXX  XXXX inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX - Auto Finance inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX - Card Service inquiry from XX/XX/2021 XXXX  XXXX inquiry from XX/XX/2021 XXXX - Auto Finance inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX
Consumer complaint received 2021-09-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

I received a checking account statement on XX/XX/2021 for an account that was opened fraudulently in my name. There was a XXXX balance and no activity at that time on the account. I immediately contacted TD Bank customer service and fraud departments to report the fraud and close the account. I didn't understand how the account was opened since my credit has been frozen with all three credit bureaus for many years. I was told that a credit check wasn't done. I thought that was required!!! I also filed a police report on that day. 

I sent a XXXX letter on XX/XX/XXXX restating the problem and requesting the account be closed. I asked for written confirmation that it was closed, that I was not libel for it and that it would not be reflected on my credit reports. I received confirmation from the postal service that the letter was delivered on XX/XX/XXXX. 

I again received a statement in XXXX still NOT showing the account was closed. As of today I have not received anything to show this account has been closed. 

My concern is that TD Bank did not perform the required credit check. If they had the account could not have been opened since there was a credit freeze on my files and I would have been contacted.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Equifax is reporting a XXXX XXXX account as a missed payment. This account is closed and paid in full. This is fraudulent reporting and they must be held accountable with reporting inaccurate information. XXXX XXXX is the bank for XXXX Credit Card
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BYL Collection Services (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2022-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (KS)

First off, thanks for a website like this. Its very welcoming knowing website agencies are out and helpful to fraud scam activities. With that being said ; my husband XXXX XXXX, already has a claim with you referring to the same circumstance. Mines is just less amount money. I sent money USING ZELLE ; through XXXX XXXX XXXX, who Ive contact on behalf of this whole circumstance, and it seems they dont WANT TO do more in order for me getting MONEY REFUNDED. THE COMPLIANT ID IS XXXX. I would like to use the same information on submitting my COMPLIANT. its a ZELLE situation but I dont like factoring how my BANK just doing less amount of help they could for a customer of theirs. Ive been with XXXX  XXXX XXXX for 10+ years and Im angry this happen but Im hoping to get this MONEY REFUNDED back and just Be resolved with this ordeal. Picture are attached from THE XXXX FRAUD SCAM for proof along with XXXX  XXXX XXXX letter
Consumer complaint received 2021-10-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have several complaints against the bureau has previously contacted you on your fax machines are non-functioning including your owbudsman. All bureaus listed have had refused all requests with auto responses for the past 10 years I am currently being extorted due to my credit due to the way the bureau 's have mistreated me and a lot of other companies to extort me over Dad 's I'm not legally obligated to pay or not in full dispute because they refuse to do what is right by the consumer and what is legal.
Consumer complaint received 2021-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I noticed a lot of inaccurate information on my credit report a few months ago, so I created have been sending the three credit bureaus to dispute letters explaining to them that I was part of the XXXX data breach, and I have a lot of fraudulent information accounts on my credit report. TransUnion, XXXX, and XXXX have been causing me much trouble and I HAVEN'T RECEIVED A RESPONSE on why they are reporting the fraudulent accounts. Can I please get help with this issue? I sent another letter to them on XXXX/2021and they have ignored it completely. I know they got the dispute because I sent it certified. This has been causing me so much stress and headaches, I have tried everything to get them to remove these accounts and I need your help. I want these accounts removed immediately.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

Regarding Experian. First complaint, you can't get through to anyone. I can't even find an email address to make an inquiry. Their customer service numbers are all dead ends. There aren't even automated options for my problem. 

I had use their identity verification service on XXXX. One of the automated questions they used required that I select, from five choices, a year that corresponded to a car I currently owned. They listed four years and a fifth choice of " none of the above ''. Of the four years listed, I own cars that correspond to three of the four choices offered. I had a 66 % probability of failure. Clearly, the data and/or the program generating the questions is flawed. 

As a result of their flawed data or question formulation process, I had to jump through multiple unnecessary hoops to prove who I am. I would like a way to contact them to resolve this type of error so it does not happen again.
Consumer complaint received 2021-10-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (TN)

I XXXX XXXX entered into a consumer credit transaction with Santander Consumer USA on XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Since, I have learned the finance charge is the sum of all charges. I should not have a bill from Santander Consumer USA. Santander Consumer USA continues to bill me each month. They have also violated 15USC 1692g and fail to info me on my right to rescind.
Consumer complaint received 2021-10-08
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. (WI)

I have reach out to XXXX, XXXX, Experian to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.