davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
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: LEXISNEXIS (VA)

On XX/XX/2019 I sent Lexis Nexis a method of verification letter for a erroneously reporting Bankruptcy on my Lexis Nexis file, which has been confirmed was received on the morning of XX/XX/2019. Per FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
I have disputed the accuracy of this item on multiple occasions. I have asked Lexis Nexis to verify this information with the furnisher or original creditor on multiple occasions. Lexis Nexis has stated its been verified previously but when I contacted the U.S Bankruptcy Court XXXX XXXX XXXX XXXX  to find out how this erroneous item got reported on my credit report, they informed me that they DO NOT SHARE ANY KIND OF INFORMATION WITH CREDIT BUREAUS OR THIRD PARTIES. So, Lexis Nexis did not and has not complied with the FCRA rules of verification. Furthermore and most important they have not complied with the FCRA rule stated above and provided me with the method of verification within the time frame allotted. Therefore this item needs to be immediately deleted and confirmation of its deletion sent to me within 15 days. At the time of submitting this complaint I haven't received any communication concerning this from Lexis Nexis. Please insure my rights are protected from any further harm this has already caused me. Thank you
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Inquiries removal I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries 1.XXXX XXXX Inquiry from XX/XX/2019 2.XXXX Inquiry from XX/XX/2019 3.XXXX  XXXX Inquiry from XX/XX/2019 4.XXXX  XXXX XXXX from XX/XX/2019 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2019-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I dispute these charges by this company. I am XXXX, i have disputed charges, XXXX XXXX charges unauthorized. Off shore debt buyer reported false information. I have been XXXX since 2013. 
When contacting agency computer messaging and customer care they were unable to provide appropriate information for filing discrepancy with their accounts charged off. No one would discuss accounts unauthorized charges that appears on credit report. 
I have received repeated excessive calls from this international who have excessive harrassing calls and inflation of chagers that never existed. 7 days per week. Thirty different numbers calls cell phone 7 days per week any day and and time. Falsely filed a $ XXXXdebt to XXXX XXXX and {$4400.00}
Consumer complaint received 2019-07-04
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. (TN)

I have an account on my report that is not mine belongs to someone else, also there are names and addresses that do not belong to me. Reporting information that you know is inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Consumer complaint received 2019-07-04
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: AES/PHEAA (TX)

FedLoan Servicing was mailed disputes regarding my credit report for XXXX months worth of late payments reported from XXXX and XXXX of XXXX causing me to have XXXX ( XXXX ) late payments show on my credit. After more than 6 months it was finally resolved and FedLoan Servicing sent correspondence to me and also here that the issue will be corrected and the update will reflect on my credit reports within 60 days from XX/XX/XXXX which it was. 
However, FedLoan Servicing came back here on CFPB in XXXX and stated that again there was another error and the correction to remove the late payments from XXXX and XX/XX/XXXX was also removed in error and that the late payments should remain on my credit reports. 
My issue with FedLoan Servicing is that they are not resolving an issue that they created. I have sent several disputes to this company and have not received any form of resolution this has taken a toll on me mentally, physically, and emotionally to have to endure pain and suffering all because of their mistakes. No one at this company has taken accountability to resolve my issue, please assist and I want these late payments to be removed once again from all three ( XXXX ) of my credit reports immediately. 

For their company to agree to update this information then later go back and add it to my report is destructive to my credit worthiness and illegal.
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Inquiries removal I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries 1.XXXX XXXX Inquiry from XX/XX/2019 2.XXXX/XXXX  Inquiry from XX/XX/2019 3.XXXX XXXX Inquiry from XX/XX/2019 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: REGIONS FINANCIAL CORPORATION (MS)

On XXXX I purchase a new car from XXXX XXXX XXXX they call my job on XXXX to verify employment. My job XXXX Mississippi XXXX XXXX XXXX pulled their own credit report without my permission and also had Regions Bank locates in XXXX, Mississippi to pull my credit report all done on XXXX without my authorization or signature.
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX I leased a new XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX. XXXX, FL. All went well and I was a happy customer. On XX/XX/XXXX I went to shop for a new vehicle and find out if there were any specials going on. I was able to return my XXXX XXXX and lease a new XXXX XXXX XXXX. All was still fine and I was a happy customer. In XX/XX/XXXX my husband and I both received a bill for {$580.00}. I immediately contacted XXXX XXXX pertaining to this bill. I was told that since I had paid for an excess wear and tear policy on the XXXX  and leased another vehicle there should be no payment due. Before I could do anything about this, XXXX XXXX reported this to the credit bureau as 90 days in the rears with a {$580.00} balance. In almost 12 years of leasing vehicles with XXXX my payments have never been late. As soon as this was reported to the credit bureau my husband and my credit scores dropped XXXX to XXXX and XXXX to XXXX. 100 points and I am still trying to get it fixed. Numerous calls to XXXX XXXX, numerous disputes with all credit bureaus and emails to XXXX XXXX which go unanswered. I have paperwork that shows I do not owed the excess wear and tear of {$150.00} and the disposition fee of {$390.00} that was charged in error as I leased another new vehicle from XXXX. I am getting no where with XXXX XXXX, the credit bureaus, or XXXX after 3 months. This has damaged our credit scores and kept us from financial opportunities. The {$580.00} is still on my credit report and it is now showing 120 days past due. And still on my husbands credit report.
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (NV)

I have a late payment and I make all my payments on time I can take that payment late is the first time I see that because I do not like to have late payment on my credit report I can remove that late payment in my credit report please
Consumer complaint received 2019-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

A company posing as a collection agency put a collection on my credit report. 
The company is called Southwest Credit Systems. They have over 130 negative XXXX reviews that this has been happening to multiple people. They also have almost 500 negative reviews with XXXX. They are claiming that I have an unpaid loan in the original amount of {$950.00} noted as cable/cellular for a company called XXXX XXXX. with a balance of {$1500.00}. They have it dated as XX/XX/19. I reported it to the credit bureaus and contacted the FTC who gave me your information.
Consumer complaint received 2019-07-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (NC)

There was a debt from the creditor XXXX XXXX XXXX in the amount of {$1700.00} listed on my credit report. I disputed this and it was removed on XX/XX/2019. This creditor was part of XXXX   XXXX. 

Since then the charges have been put back on my account in small individual charges, with another debt collector, named Medical Data Systems Inc- but this is for the same place XXXX XXXX , they changed the name and broke down the charges to make them look like seperate bills. this is completely false and needs to be removed from my credit report.
Consumer complaint received 2019-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (VA)

I received a call at XXXX EST on XX/XX/2019 from someone claiming to be from Comenity Bank . The man asked for an individual that does not have my phone number, and I have informed this company that my number is NOT the number for that individual several times. I have been called several times over the last few weeks, all by different numbers claiming to be from Comenity. Each time I have answered, I explicitly told the caller that my number is not the number for the person theyre trying to reach and to stop calling. Ive blocked the numbers but continue to get calls from new numbers. The caller on XX/XX/2019 was very aggressive, interrupted me constantly, and despite me having said, this is not a number for that person, please stop calling me, this man continued to harass me. He also vaguely threatened me by informing me that he knows my address. I want these disgusting calls to stop.
Consumer complaint received 2019-07-09
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: Experian Information Solutions Inc. (CA)

On XX/XX/2019 my credit score was 679-690. I filled a dispute on Experian and XXXX to verify that an old XXXX account was in fact closed. After I disputed requesting proof that and old XXXX account was closed or if it was still charge off I was notified within 2 days by XXXX that account was still in charge off. That information was posted to my credit report and caused my score to drop 40 points. The information posted was no different than whats been on my report for years. 

Ive worked hard, really really hard, for 5 years to build my credit score up. REALLY HARD. For my score to drop like this over an account dispute is despicable and wrong. I contact Experian and XXXX  both were not helpful. 

I explained that I Only was trying to verify information. And they said they couldnt do anything to fix my score. But that, that shouldnt have happened because no, new information was being reported. They said to wait a month and see if it resolves on its own and brings my score back up to where it was. Its been a month. Nothing has changed. Please fix.
Consumer complaint received 2019-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I paid for a money transfer service at XXXX for {$2400.00} which I was denied after customer service rep realized that we had no valid ID. But the money was already taken off my card. 

She advised me to contact my bank because she had reversed the transaction back to my bank and they had to decide when the money would be put back onto my debit card. 

My bank advised me to do a claim for the transaction and gave me a claim number # XXXX. They said the money would be available to me within 24 hours. 

The next day they said the claim was denied and I would have to provide the refund/reversal receipt that XXXX gave me. I faxed over the receipt immediately and waited till the next day. 

The next day I went into the branch and I was informed that my account was being closed, and they could not offer any reason why.
Consumer complaint received 2019-07-05
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. (GA)

Equifax reports a hard inquiry on my report from XXXX XXXX XXXX XXXX, XXXX.-MT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX on XX/XX/2019 I did not authorize this inquiry. Equifax has not removed this from my report. I have attempted to contact XXXX XXXX XXXX and they say they have no record of this under my name. Multiple attempts with Equifax have not resolved this.
Consumer complaint received 2019-06-27
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)

THE DISPUTED ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME, I DID NOT AUTHORIZE ANY TRANSACTIONS TO THIS ACCOUNT. PLEASE IF YOU CAN KINDLY CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THE DEROGATORY ITEM DELETED OFF MY CREDIT.
Consumer complaint received 2019-07-04
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. (RI)

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me ... XXXX  XXXX XXXX were paid and satisfied as agreed ... Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose or otherwise not compliant allegation accounts
Consumer complaint received 2019-07-04
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. (RI)

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me ... XXXX XXXX XXXX were paid and satisfied as agreed ... Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose or otherwise not compliant allegation accounts
Consumer complaint received 2019-06-27
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. (CT)

I received a notification from XXXX XXXX in mid XXXX 2019 stating that an alleged account in my name had been turned over to LVNV Funding LLC as of XXXX 2019. 

I never received notification from LVNV Funding LLC or XXXX XXXX prior to initiating a dispute with them that this was the case so LVNV Funding was put on my credit reports with all 3 credit bureaus prior to me having the chance to dispute it. 

Second, I sent a letter to LVNV Funding on XXXX/2019 requesting that they provide me with the following information : COMPLETE PAYMENT HISTORY, THE REQUIREMENT OF WHICH HAS BEEN ESTABLISHED VIA XXXX XXXX XXXX 745 N.E.2D 862 ; 2001 IND. APP. LEXIS 509 AND AGREEMENT THAT BEARS THE SIGNATURE OF THE ALLEGED DEBTOR WHEREIN SHE AGREED TO PAY THE ORIGINAL CREDITOR. 

LETTER OF SALE OR ASSIGNMENT FROM THE ORIGINAL CREDITOR TO YOUR COMPANY. ( AGREEMENT WITH YOUR CLIENT THAT GRANTS YOU THE AUTHORITY TO COLLECT ON THIS ALLEGED DEBT. ) INTIMATE KNOWLEDGE OF THE CREATION OF THE DEBT BY YOU, THE COLLECTION AGENCY. 

I just received a letter from LVNV Funding staying that my account was validated along with one statement from XXXX XXXX. 

That is not what I requested. I have attached a copy of the letter I sent for your reference.
Consumer complaint received 2019-06-27
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. (CO)

I have asked XXXX XXXX numerous times to remove late payments from my credit report. I have never paid late with them. I have tried to dispute the late payments with the credit bureaus and with 3rd party companies and seems to go nowhere? I have talked to them also and the first time I did I told them my situation and told them about my identity theft issues I was going through with my bank and someone stealing my social security and they told me to not worry that the payment I processed that was returned would not show on my credit but it has been years now and it has never been removed and it is hurting my credit score to now be able to buy a home.I do not know what else to do!
Consumer complaint received 2019-03-04
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: WELLS FARGO & COMPANY (FL)

It's fraud the inaccurate 's on my XXXX, XXXX, XXXX Credit reports which are the hard and soft inquires they where done in fraud by my mentally XXXX adult son who XXXX hurts his reasoning and judgement he doesn't know that my name and my social security number is for my use only due to his mental XXXX hurting his reasoning and judgement that why I don't want to pursue criminal charges or law enforcement presents in the fraud matter of my mentally XXXX adult son applying for loans and credit cards in fraud which lead to the inaccurate 's which are the hard and soft inquires
Consumer complaint received 2019-06-27
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 (WA)

Happened XX/XX/XXXX at XXXX and lasted for 28 minutes. Company name is XXXX XXXX They have my name as XXXX XXXX. 
I was called today with a message that I needed to call a number back because a civil claim was filed against me. I was at work but called the number right away. A woman answered and stated they have a claim against me for a debt I owe in the amount of {$2900.00} from Capital One. I asked her what the debt was. She proceeds to tell me. I asked her when the last activity on this account was and she tells me XX/XX/XXXX but was sent to collections in XXXX. I tell her you are past the statue of limitations on this and Im not paying. She tells me statue of limitations starts when the account gets turned over to collections. I told her she was wrong. I asked her to please send me something in writing for this account. She states they already did and tells me my address. I stated I did not receive it and please send another. She states she can not do this. The file is being sent for legal action and there is nothing they can do about it. If its not settled today they will garnish 25 % of my wages and my bank account. I tell her that I will call her back because I would like to call my attorney about this and find out about the statue of limitations. She tells me that if I hang up the phone they will proceed with legal actions. I then asked her why this is not on my credit report since Ive been checking it regularly and working on improving my credit. She gives me some song and dance about it transferring collection agencies. I tell her Im not paying anything on this today without verification of the account and without speaking to an attorney. She then transfers me to someone else saying they might have other options for me. A man gets on the phone and pretty much tells me the same thing. He then goes over my options for payment which included a one time payment, a 2,4,6, and 8 month plan. I tell him Im not paying it. Not without talking to someone and verification. I told him I would call back tomorrow after I did research. He states the debt is attached to my name, date of birth, and ssn number and legal action will go through I said fine go ahead and I will just show up for my court date and appeal this. He tells me that they dont need to have a court proceeding and a judge has already signed off on it. This is when I knew it was a complete scam. I told him fine go ahead and proceed with it. He hung up.