davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-09
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. (MD)

" I have disputed this charge off on XXXX XXXX for months. XXXX and XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 
CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. ''
Consumer complaint received 2018-10-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

In XX/XX/2018, I received a letter from Portfolio Recovery Associates stating I owe them monies from the accounts associated with the following numbers : XXXX and XXXX. I never had any accounts with this company or any company referencing this company and I immediately requested Portfolio Recovery Associates to provide me with a validation of debt that is referenced. This company never sent me ANY validation that I owe these debts. I received a one page statement for account number XXXX which was not proper validation. This company never responded with the REQUIRED validation. I have sent several letters requesting the REQUIRED validation of these debts. I have NOT RECEIVED ANY DOCUMENTS!! This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I called this company on XX/XX/XXXX at XXXX and requested this company send me all the required documents for these debts they state I owe. I spoke with XXXX  and she stated Portfolio Recovery Associates have already validated these debts. I requested the documents that show these are mine and I have never received. 

I recently checked my credit files and noted Portfolio Recovery Associates placed the two invalidated accounts on each of my credit files. This is a violation and Im demanding these accounts be removed from each of my credit bureaus. This company failed to provide the required documents within the time provided. I have attached EACH of the letters I received from Portfolio Recovery Associates and EACH of my responses to Portfolio Recovery Associates. I NEVER received the validation I requested by law. I should I have received something from these accounts prior to placing any data on my credit account.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Global Payments Check Services, Inc. (KY)

ON THREE DIFFERENT OCCASIONS AT THREE DIFFERENT BUSINESSES THIS YEAR I HAVE BEEN DENIED CHECK CASHING PRILEDGES AND EACH LOCATION HAVE REFERRED ME TO GLOBAL PAYMENTS GAMING SERVICES INC. I HAVE BEEN TRYING TO CONTACT GLOBAL PAYMENTS TO CORRECT MY ACCOUNT SINCE XX/XX/2018. ON SIX OCCASIONS I HAVE MAILED LETTERS, E-MAILS AND PHONE CALLS. 

GLOBAL HAS IGNORED MY REQUESTS AND HAS NOT RESPONDED WITH ME AT ALL.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/year>, I mailed a certified letter to Experian disputing incorrect personal information on my credit report, including outdated addresses and names. I included my passport, Social Security card, and a bank statement with my correct address to verify my identity. Despite this, Experian sent me a letter stating they did not believe I initiated the dispute and therefore would not move forward with the corrections. 

To resolve this, I filed a formal dispute through the CFPB on XX/XX/year>. Under the Fair Credit Reporting Act ( 15 USC 1681i ), Experian is required to complete an investigation and correct or remove any unverified or inaccurate information within 30 days. The XXXX deadline passed around XX/XX/year>, and I have now received an email from the CFPB stating that Experian is still working on the issue. 

Experian is in violation of the FCRA by not resolving this within the required time frame. I am requesting that they remove all outdated and incorrect personal information immediately, as it remains unverified past the deadline.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I tried freezing my credit with the 3 credit bureaus and Equifax is the only one that I'm having problems with. I logged in through their website, it has problems saying comeback later or has problems logging me in ( see attachments ). I have tried multiple times to fix this issue and have tried on different computers. I have tried resetting the password, but the email never comes. I find it particular offensive with Equifax since their negligence allowed XXXX XXXX of America 's  personal information to be stolen. I request that they fix this issue immediate and/or that the CFPB investigate the business practices of Equifx and their freezing process.
Consumer complaint received 2018-10-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Stanislaus Credit Control Service, Inc. (IL)

I have been trying to repair my credit. I have contacted this company for months, several times per week, at different times per day. I have left multiple voicemails on what sounds like an extremely unprofessional, unverifiable collection agency. I just want this removed from my credit report as I am trying to repair my credit and purchase a vehicle. I do not want to go through this agency to repay this debt as Im concerned by their negligence to help me solidify this debt.
Consumer complaint received 2018-10-03
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: CITIBANK, N.A. (TX)

This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX  and XXXX
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I opened my Credit Card with Amex XX/XX/XXXX ( Amex Everyday Card ) and qualified for a 0 % APR offer until XX/XX/XXXX on transactions posted by XX/XX/XXXX. I realize that the promotion period ended, which was my mistake-but I still wanted to do a balance transfer as the rate to my Amex Card was better than my current credit card. I called once and the rep said I needed to call the bank that I wanted to move the balance from ... confused with this response I called back. This new customer service rep was also unhelpful and stated that I couldn't do a balance transfer, I asked for a supervisor and the Amex Representative stated that one isn't available. I said I would hold and he said they are in a meeting and to call back. The Amex rep was obviously trying to get me off the phone like the last rep. I told him I would hold for a supervisor, after 45 minutes I got the manager of the Balance Transfer Department XXXX ( Employee # XXXX Call time was approx XXXX Pacific on XX/XX/XXXX ) and he shared that " many people find the Balance Transfer verbiage confusing '' and proceeded to tell me that he could not complete a balance transfer if it isn't in the first 60 days. I requested mulitple times to have my call escalated and he said his manager " didn't take calls ''. Finally, he said he would have another manager call me back.

Bottomline : The Cardmember agreement I received was misleading and I believe falls under the UDAAP ( Unfair, Deceptive Acts & Practices ). There is an interest rate that is listed in my attached cardmember agreement. No where in my cardmember agreement does it say " no balance trasfers after 60 days ''.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I was hospitalized on XX/XX/XXXX18 for a XXXX, I was in the hospital for 2 and half weeks. After getting out of the hospital I decided to take a vacation to  XXXX departing on XXXX-18 arriving XX/XX/2018 to visit relatives and friends, I purchased my ticket online through XXXX with extra protection and insurance in advance, I thought by then I'll be clear of all the follow up doctor visits and all the test/XXXX XXXX. On my follow visit to the doctor in XX/XX/XXXX I was told by my doctor that I was not allowed to travel on a plane till I was clear of all the doctor visits, tests/XXXX. On XX/XX/2018 I called the Air Line spoke to XXXX to cancel my flight, I was told that they had to review my case and will let me know what the outcome will be, I sent them all the necessary documents and a Doctors note stating that I was not fit to travel, after a couple of days I received an email from XXXX XXXX stating that I will not be refunded the money and that I needed to solve this issue with my Citi Visa Card. After I called Citi Visa XX/XX/2018 to resolved this issue with them after going back and forth for 5 months now, I emailed them all the necessary documents including the Doctors note that they requested, to this day XX/XX/2018 haven't had any success to get a refund for the amount of {$1200.00} plus all the late charge and interst fees.
Consumer complaint received 2018-10-03
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. (IL)

Months ago I've paid debts on my credit report to XXXX XXXX Acct # XXXX although I did not owe the accounts per I thought it would be faster and in good faith to do so however the hardship of my unfortunate situation of identity theft and deceptive practices to my name and credit. XXXX then removed the negative marking from my credit report and months later harmed my credit score greater by adding the same negative marking on my report again with XXXX balance paid collection which dropped my score dramatically. this goes against the Fair Credit Reporting Act. After disputes XXXX XXXX did not correct this matter. I demand this account be removed from my reports of the 3 Reporting agencies.

am aware that per the provisions of the Federal Fair and Accurate Transaction Act ( FACT Act ), also known as the 2003 Amendments to the Fair Credit Reporting Act, section 609 ( e ), identity theft victims are entitled to obtain from a business entity a copy of the application and other business transaction records related to their identity theft free of charge. Businesses must provide those records within 30 days of receipt of the victims request.

I respectfully demand a copy of the application records and detailed billing records for this account in my name ( and/or Social Security number, etc. ) a physical contract bearing my signature from the date the service started until service ended and any other account records in your possession relating to this account. This account ( indicate circumstances such as i.e., appears on the credit report maintained for my name, as an inquiry or referral from your company, created a debt for which I am being held responsible, etc. ).
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (AZ)

This company ( Receivables Performance ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$290.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2018-10-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP (TX)

I would like to see if Power Finance is following the rules and regulations of payday loan practices. I borrowed {$610.00} back in XX/XX/XXXX, I get paid every two weeks and have been paying them {$180.00} every paycheck and will end in XX/XX/XXXX. 13 payments at {$180.00}. The estimated cost to pay everything is {$2400.00}. So, I am paying roughly a little over {$1800.00} for a {$610.00} loan. Its horrible. I've made a huge mistake by getting the loan but this is highway robbery. The location I loaned from is in XXXX, TX.
Consumer complaint received 2018-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MA)

I'm not sure what's going on, but I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-09-19
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. (TX)

I disputed the referenced accounts in XX/XX/XXXX. The Equifax credit report attached shows results that these items ( XXXX XXXX and XXXX XXXX ) were deleted from my credit file. Now I notice these items have been reinserted on my credit report. On XX/XX/XXXX I was notified that Equifax had placed XXXX Management and XXXX XXXX back onto my credit report. Back in XX/XX/XXXX I sent in an Identity Theft Report for which Equifax did receive. Equifax removed XXXX XXXX and XXXX XXXX from my Equifax credit report. I have included a copy of my Equifax Credit report from XX/XX/XXXX showing that both XXXX XXXX and XXXX XXXX had been deleted. 

I am demanding that both XXXX XXXX and XXXX XXXX be REMOVED AND BLOCKED from my credit file. Please see attached documentation I am also requesting that Merchants Credit Guide be removed and blocked from my credit file as well. I expect to have an updated Equifax showing the removal in 30 days per law.
Consumer complaint received 2018-10-03
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: I.Q. DATA INTERNATIONAL, INC. (MI)

A debt collection company, IQ Data International failed to validate information that they have placed on my credit report in XX/XX/XXXX. The original amount that is in question was {$5200.00}, As of XX/XX/XXXX the amount is now {$6100.00}. On two separate occasions I sent IQ Data International a certified letter asking them to please verify that I owe them this debt, and to provide documentation with my signature showing that I was in agreement with IQ Data International to pay this amount. The first letter was sent on XX/XX/XXXX certified by the USPS. After not receiving a response within 30 days, I then sent another certified letter by the USPS on XX/XX/XXXX asking them once again to validate the information that they have placed on my credit report. As of today, I have not had any response from IQ Data International, but they continue to increase the amount owed on my credit report monthly. 

My rights are being violated. I am a single mother of XXXX and a XXXXXXXX XXXX. Due to this increasing amount on my credit report, I am being denied a loan for a home. I am unable to even qualify for an apartment in a safe neighborhood for my family. I just really would like some help getting this matter resolved. I know if they are doing this to me, they are doing it to other people too.
Consumer complaint received 2018-10-03
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. (TX)

I have send all 3 credit bureaus letters to remove inquires which I do not recognized. None are from companies or businesses I deal with. I also have place a freeze on my account to prevent unauthorized inquires. They have ignore all 4 times I have send a request. 

Here are tracking for all the mail I sent plus others which I just put a postage stamp XXXX XXXX XXXX XXXX XXXX XXXX They need to remove those inquires as requested from all 3 credit reporting agencies. 
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 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   I have also mail the names of those who placed the inquires with to no avail
Consumer complaint received 2018-10-02
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. (IL)

I am writing this due to Non-compliance with the Credit bureau Transunion, the account ( XXXX XXXX XXXX XXXX ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. So, I need this account to be deleted as soon as possible base on the consumer protection law. Under the consumer protection law this account is not practicing the Act. And the Acts are Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Truth and Lending Act, and the Fair Debt Collection Practices Act. Furthermore, I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW. 

This is a final notice that I will be seeking legal actions towards Transunion if this account is not deleted.
Consumer complaint received 2018-10-02
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: Experian Information Solutions Inc. (FL)

XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I am disputing all of the following information due to be incomplete and inaccurate. I have made all the reporting credit bureaus aware of the Identity Theft and the Fraudulent accounts and nothing.