davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-15
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: Maximus Federal Services, Inc. (NJ)

Only the holder of the original note can collect on the debt that exists on the instrument. If you did not sell this instrument I need you to produce it. If you did sell my instrument you should have contacted me to inform me. Your company is furnishing an account to my consumer report without my permission. I am requesting the original document and physical proof one exists that gives your company permission to furnish this account to my consumer report. This document must be a bilateral contract between your company and my self that gives your company permission to furnish this debt on my consumer report. You must prove that I am the obligated party for repayment to you or delete this account from my consumer report. Providing a statement that you have an agreement with another company and not me is not sufficient proof that I owe your company anything. Continuing to furnish this account to my consumer report without providing the requested information is FRAUD and a violation of my consumer rights and I will not hesitate to bring legal action against you.
Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I went to annualcreditreport.com and request my credit reports from all 3 credit bureaus and the only one that gave me trouble was transunion. I tried on 2 occasions and even called the number provided on the site. They did not send me a copy of my credit report
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
U S DEPT OF EDXXXX XXXX XXXX : {$1200.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX  TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

On XX/XX/XXXX I made a payment of {$8900.00} to Comenity Bank .On XX/XX/XXXX Comenity bank Switched credit card companies To XXXX XXXX.Our balance on XXXX XXXX was {$8900.00}. Now Comenity bank says they can not find where we paid {$8900.00} and XXXX XXXX say 's we still owe this money and turned our credit card use off and they say we do not have any more credit left because our credit limit was $ XXXX.Our Bank Statement shows they took the {$8900.00} out of our account. 

Phone # on my Bank Statement is XXXX for comenity. 
XXXX XXXX phone # on back of my card is XXXX Phone # on Comenity XXXX
Consumer complaint received 2021-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Several months back I submitted a complete XXXX fraud affidavit and Police Report combined to Trans Union to remove accounts and addresses and inquiries related to my identity being used fraudulently. They agreed to remove all the information. What they did not tell me was that they also own a third party consumer reporting agency which provides third party consumer credit risk reporting from Trans Union and that company is called Trans Union XXXX XXXX. 
I recently applied for a credit account through my credit XXXX which is XXXX XXXX XXXX XXXX. This report was used against me and contains collection accounts, addresses etc that had been reported and it is directly related to all my identity theft issues. I spoke to my credit union who received a XXXX score of XXXX through the XXXX XXXX report owned by Trans Union. 
I also called Trans Union and not a single individual can tell me how to order this consumer report used against me to decline me credit. My current XXXX score with Trans Union is XXXX substantially higher than their other version. 
They even have a business website about Trans Union XXXX XXXX but no access for consumers to ask for a copy of their consumer report its only for lending institutions. Ive contacted them as well and they refuse to contact me back since Im only a consumer. 
I need access to this evasive report to identify and fix this report to correct it due to my identity theft.
Consumer complaint received 2024-11-08
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. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-05
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have sent a XXXX letter to Experian about addresses that I am disputing because they are inaccurate. I have never lived at any of these addresses and ask them for validation of how they are verifying this addresses with no response other then the same form letter they sent before. The addresses are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like these addresses deleted from my credit report because they are inaccurate
Consumer complaint received 2023-05-14
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: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting Act, XXXX Act. # XXXX, XXXX, Act. # 1903 XXXX XXXX XXXX XXXX XXXX XXXX Act. # XXXXXXXX XXXX Act. # XXXXXXXX XXXX XXXX  Act. # XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with LVNV Funding/ XXXX XXXX  this debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. 

All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform LVNV funding / XXXX XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (NY)

Beginning XXXX of 2020, I was contacted by a debt collector about my Amex bill. I signed up for a payment plan and have made monthly payments without interruption for 2 years. I have XXXX  out the company is not part of Amex collections but a separate debt collector ( XXXX ). They have so far collected ( {$4300.00} ) which is MORE than the amount I owed Amex ( {$3700.00} ). I have been unable to reach anyone at XXXX despite phoning every hour for days on end and weeks on end. Additionally, they have in the past taken more than the agreed amount and many, many times days before the scheduled payment date. I see the on time payments have NEVER been reported and show negatively on my credit report. I would like my score to reflect the two years of on time payments. I also am afraid I am being defrauded by a company that pretends to be Amex and then is not able to be contacted. At this point, I do not know what they are doing with my money.
Consumer complaint received 2023-02-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

I, XXXX XXXX XXXX, a federally protected consumer giving written notice pursuant to 15 USC. 1692g ( b ), give notice that : 1. The debt, or a portion thereof, is disputed. 
2. The Consumer requests verification of the debt. 
3. The Consumer requests the name and address of the original creditor. 
4. The Consumer requests validation of the debt, to wit, the chain of title to the debt and a history of charges and payments thereon. 

I have disputed this account previously and received a written response that the account was under investigation as a result of my dispute. However, it does not reflect the ACCOUNT INFORMATION FOUND ON CONSUMER REPORT I also have a recorded transcript in which the Debt collector threatened me and continued to interrogate me although I told her she was causing me stress and anxiety.
Consumer complaint received 2023-01-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NJ)

I am emailing regarding the NJ Sales Tax I paid for the Vehicle upon registration at the NJDMV. The vehicle was stolen on XX/XX/2023, and I have recently had XXXX ( Vehicle Insurance ) process the settlement for the total theft. The settlement of the vehicle was for approximately XXXX + XXXX of ( sales tax ) = XXXX. 

Unfortunately, XXXX ( my insurance ) paid the entire amount to ALLY Financial Services ( LESSOR ) the entire value of the car XXXX which the LESSOR is entitled to and the sales tax of approximately XXXX. I requested from both parties that the sales tax owed to me should be {$3100.00} as I paid the portion of the tax to the NJDMV. Both parties denied they owed me any value of the tax and simply advised that the other party should rectify the situation. 

I am attaching the proof of the sale tax paid that I paid to NJ last year for the 39 months of the lease.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness.

As per CRRG 3-4, I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. 
It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.
Consumer complaint received 2021-09-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OR)

in XXXX Asset Acceptance LLC won a default judgement in court against me, I was not even notified that there was a court hearing involving me nor did I know about the judgement. I was unaware of this until just last year XXXX. In XXXX I recieved a notice that my wages were being garnished by Asset Acceptance LLC in the amount of {$5300.00} XX/XX/XXXX. I have no idea what this debt is for because there was no way I ever could of owed this amount considering I never had any credit over the amount of {$500.00} due to my credit and that was still long ago. It also would not add up to XXXX. They garnished me and still are currently garnishing my paychecks and I still have not been told what this debt is for. I then got a second notice that dated XX/XX/XXXX calculating debt at {$6100.00}. The amount had gone up suddenly after they had been garnishing my checks already which is not possible at all. I thought it was strange so, I looked up the case by the number on the garnishment papers and from what the court shows on file is that Asset Acceptance LLC won a default judgement in XXXX and that the monetary awarded amount was {$3400.00} and had sent garnishment papers to several banks or something thinking I worked for these banks and were told I did not. I never have worked for any bank so, not sure where they thought I had. as well I had plenty of jobs from XXXX until currently that they could of garnished wages from yet, never had. The court case they have listed on the papers also is stated as CLOSED. So, not only are they garnishing me f something I dont even know what it is for, they also are garnishing me from a closed case from XXXX in which the amount that was awarded was XXXX, yet, they are garnishing for XXXX now after they have already garnished me for almost a year and gotten at least XXXX from garnishing me already after first listing the amount owed as XXXX. I think this company is fraudulent and garnishing my wages for a old judgement that is now long been closed and they are changing the amount of debt owed and increasing it even after they have gotten payments garnished for nearly a year. They also were only awarded XXXX in the judgement by the court so, why are they trying to collect almost twice as much. There is obviously something very wrong here and they are trying to collect far more than they are suppose to that is if they can still collect on a closed case from XXXX, which I dont think they can.
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (NV)

XXXX XXXX acct # XXXX is reporting incorrectly and a duplicate account. This continuous and ongoing violation of the Fair Credit Reporting Act is causing me undue stress and a defamation of my character.
Consumer complaint received 2023-05-09
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. (CA)

They were encouraging everyone to open lines of credit when it came out as a new service for everyone as they would call an instant back up, which they used term for overdraft protection. Nowhere in their guidelines to that state that they would report to your credit, and if not making that worse already putting the line of credit to XXXX and making it utilize the full limit as if its a credit card because it showing up as a credit card on my credit reports dropping at 70 points, now I find this completely disgusting and fraudulent considering I was kind and provoked by the workers to sign up for this house. This would ensure. That I would not run into any financial hardships. I had to pay everything off in full today {$500.00} just to close my account to make sure that my annuity money would be safe and not be pulled back in. I am going to file a police report if this is not taken care of, and this is not taken off of my credit by the time I wake up in the morning. XXXX XXXX XXXX in XXXX California on lone tree way is the most disgusting horrible bank Ive been at. I wish I never opened an account here. I have been here for over nine months and never once have I spoken to the manager at the bank because they do not have time to talk to me. On top of that they put holds on XXXX and do not release the funds and put a hold on it just like checks for two days to make sure the funds clear same with cash app or any other service leaving you no other option but to take out cash I had to go in earlier to get {$80.00} in change in fives and they made me deposited into my account just to get cash back and overdrew my account with the line of credit because they would not make the cash available until the next business day.