davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
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. (CO)

your agency reported this derogatory account without following the federally mandated procedures, your agency has bypassed your mandated allotted timeframe to respond and failed to validate the debt, as well as the several other violations mentioned above. Reportthatthedebtisdisputed and remove this account from my credit files. I will file civil lawsuit against any and all companies and/or agencies that assist XXXX in continuing to violate my Consumer Bill of Rights, Fair Debt Collection Practices Act and the Fair Credit Reporting Act that cause undue, unjust and derogatory effects to my credit. I will bring acivil lawsuitagainst XXXX XXXX statecourt. I will prove XXXX XXXX violatedtheFDCPA. I will collect {$1000.00} in statutory damages, and more since you have negatively affected my credit score after I have been diligent in maintaining a high credit rating and have suffered harm from your violations. This account has been removed 4 times and has bypassed the allotted timeframes. They never validated this debt and can not come back 5 collection agencies later and multiple collection agencies at the same time and still attempt to collect an an incorrect amount with an incorrect account number with incorrect information with invalidated information. This is ridiculous to do this every year. Mind you all these letters are certified and proof that your agency removed this account MULTIPLE times in 5 years And keep adding it back
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (OK)

XX/XX/2018, XXXX notified ChexSystems that fraudulant information they are reporting to third parties with my personal/confidential Identification as the result of Identity theft.
Consumer complaint received 2020-11-20
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In the months of XXXX, and XXXX in the year of 2020 I've sent XXXX  two rounds of dispute letters stating that information that is displaying on my credit profile is not accurate and fraudulent information that I did not authorize. Each time of request they have sent me false results stating that the information disputed was not on my credit profile which is impossible to be true because I discovered the information of the accounts I did not recognize on there website XXXX. I have provided all documentation to them with proper verification so there is no reason the disputes have not been granted to be deleted. I stated that I was not able to verify any information pertaining the fraudulent accounts displayed on report because I am clueless to them with me not being the individual to open them. I am looking for issue to be resolved immediately.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these item are being reported correctly? Who verified these account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date opened XX/XX/2015 XXXX {$0.00}
Consumer complaint received 2022-04-27
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. (GA)

I believe the reporting credit bureaus are in violation XXXX Experian And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number XXXX XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Consumer complaint received 2017-10-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (KY)

I took out XXXX different loans with Personal Finance Company back in XXXX. I had paid these down by several hundred dollars each. I fell behind XXXX month and mailed them XXXX checks to catch up the amounts I was behind on. Not long after I received a letter from an attorney for them. I called the XXXX XXXX office to find out what was going on and they claimed that they did n't receive my payments. I made payments then over the phone and was told I would be sent an agreement by mail from the attorney and everything would be taken care of. They began reporting me as over XXXX  days late on my credit report which was NOT accurate information. The attorney eventually mailed me the agreement to sign that I signed and returned to them, agreeing to make my payments as outlined. The next day I got served papers by the court. So nothing they told me was true. From then on I had a very difficult time getting any of them to contact me back about any of this. I requested multiple times for them to mail me my payment history with the remaining balances on my accounts because I felt that they were claiming I owed a lot more money than I did, and I was uncomfortable sending even more payments when they were n't being reflected on what I owed. I reached the point where I had given up getting clear information from them. Several years have passed and they have been reporting me as over XXXX days late on my credit report every single month. They never did fix the initial late credit reporting that was inaccurate. This has ruined my credit and caused my family a lot of detriment. I have tried to resolve this but I have no idea who is the correct person to contact and after mailing letters to their corporate office and trying to contact the attorney I am getting no where. I am trying to set this account straight even though I was grossly misled by this company. Their credit reporting is extremely unfair and they will not even get back to me so I can try to negotiate anything. If they ca n't report accurate information than they need to delete their reporting on my credit.
Consumer complaint received 2022-11-26
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. (NJ)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX and XXXX florida defrauded hundreds of students who went to their schools in XXXX florida and XXXX Florida in XXXX, the owner XXXX XXXX stole all the students aid loansmoney and XXXX XXXX us dept of education approved loan money up {$10000.00} and never trained the students the owner of the school went to prision plead guilty, the students never recieved training and had to leave the school and was left with student loans debt they never recieved or the school training, now XXXX the us dept education collection agency XXXX in XXXX nebraka still hold students ' like me accountable for student loans we never recieved or got training for, and damaged our credit reports for student loans, we never used or recieved someone need to discharge and suspend all student loans from these schools due to fraud, theft and illegal school activity from XXXX the owner of the school went to prision and the fbi need to be involved and dismiss all collections by the department of education XXXX student loans, also they required you to be able to typing at 100 wpm after you enrolled in their school but did not state this before you enrolled in their schools
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

I have tried countless times to resolve dispute XXXX with PayPal. PayPal never reached out to the merchant to submit documents to the credit card company. I personally got information from my credit card company to complete this process and passed it on to the merchant. 
Now the dispute has been settled since XX/XX/2020 and the funds disputed {$5000.00} have been applied back to PayPal but they have ignored to resolve the dispute by crediting the merchant these funds. 
When contacting PayPal they give you standard messages which have nothing to do with resolving the problem. I will not accept these standard messages with this complaint I'm filing here, they simply need to do their job. 
Everything on my end is in order with the credit card company. PayPal needs to resolve their side asap. I will enclose documentation from my card issuer XXXX XXXX of the outcome of the dispute and the applied charges back. PayPal should have received a similar letter awhile ago. 
I have a good relationship with my merchant and they do not deserve to be waiting for funds when the product has been shipped. They need this resolved so they can conduct business.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

This is a formal complaint against Phoenix Financial Service located in XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Phoenix Financial Service has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-06-02
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: Santander Consumer USA Holdings Inc. (NJ)

Please remove this account from my credit report XXXX  the credit reporting agency because this is a mistake, this account doesn't belong to me. You can find the account information below : Identity Theft SANTANDER Account Number : XXXX This is not mine.
Consumer complaint received 2020-11-13
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. (NC)

I previously sent three dispute letters to Experian to get a few unverifiable accounts removed from my credit report. I have sent Experian copies of letters that I received from the companies that they are reporting that I have charge-offs with stating that I don't any outstanding debt with them. As a result of me sending the last three dispute letters to Experian they are now telling me that they will not reinvestigate the same dispute again at this time and if I believe the item is inaccurate then I need to contact the original creditor but at the same time, I've sent them copies of the letters from the original creditors stating that I don't have any outstanding debt with them.
Consumer complaint received 2021-05-26
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc. (CA)

Consumer Portfolio. I am so frustrated with them. I turned in a car, and they were supposed to take the money off of the account from the car I turned in. But they never did. The dealership closed, and I have no way of contacting them. I have no idea what in the world Im supposed to do. Nobody ever answers. They arent even doing a real investigation. I dont even owe this money, and they are reporting this account on my credit report as a charge off. Its impossible. They are falsely claiming I have a charge off account with the account number of : XXXX. This is so frustrating. I am an honest man, Ive never done no one wrong. I feel like the car dealership stole that car. Consumer Portfolio has no right in trying to collect this debt. Ive asked for validation and they just ignore me entirely. 

I read online that my rights are being violated and that this is all illegal. Please help me.
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (FL)

In accordance with Fair Credit Reporting XXXX XXXX account number beginning in XXXX, have violated my rights. 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-12
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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

XXXX XXXX hello my name is XXXX XXXX XX/XX/XXXX I just received a letter in the mail from Chex systems stating that I owe XXXXXX/XX/XXXX{$4100.00} unpaid and have humiliated me when applying for 47 banks and being denied this is truly defamation. just got off the phone with XX/XX/XXXXXXXX they said they don't have a transaction record showing me withdrawling a dime out of a check deposit of {$4100.00}, but is listed as account abuse and unpaid I need to be compensated for the humiliation and denials and traveling to and from banks getting denied I can't even co-sign for my XXXX son Please help I'm asking this be removed from my Chex systems report Sec. 623. ( A ) Reporting information with actual knowledge of errors.A person shall not furnish any information relating to a consumer
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

on XX/XX/2020, i sent dispute documents to Transunion and XXXX   regarding the inaccurate items they are reporting on my credit report and damaging my creditability in obtaining things.I haven't heard from them as of yet nor has they gave me the things that i requested.i would like for you to check into this matter please.
Consumer complaint received 2022-06-30
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. (GA)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX XXXXXXXX XXXX 2.XXXX XXXXXXXX XXXX XXXX 3.XXXX XXXX  XXXX 4.US DEPT OF ED/XXXX  XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT