davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-29
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. (AR)

On   XXXX   XXXX   XXXX     I filed a complaint with cfpb regarding medical debt that continue to reappear on my credit report. After my complaint with cfpb the medical debt reporting on my credit report was removed in  XXXX  now again in  XXXX  it has reappeared back on my credit affecting m y credit score and sho wing closed in collections. On my report that I filed with cfpb the company said they would remove it from all credit reporting agencies and even though it was removed  XXXX , TransUnion, and   XXXX   are reporting it again in  XXXX . My file number with cfpb that states this will be removed from all reporting agencies  XXXX .
Consumer complaint received 2017-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

In    2011 R esurgent Capital Services bought a debt from  XXXX   XXXX  and I advised both companies that the debt was not mine and the account was opened illegally. I 've disputed the item several times with all   XXXX   major bureaus and the debt always comes back as verified which is strange because when I talked to  XXXX  at  XXXX  in the fraud department she advised me that she could not send me validation of the debt because it was sold to  Rsurgent  i n 2011. I c ontacted Resurgent several times over the years asking for verification and each time I 'm told I 'll receive it in the mail but nothing ever comes. This negative item on my credit report has been the reaso n I   XXXX  denies employment, credit, and pay higher premiums in insurance. For years know this company has been trying to collect on a debt that does not belong to me. I 've suffered from major headaches. High level of anxiety because of this. This company  XXXX  hi all and illegal practices that needs to be stopped. I had to pull my daughter out of her private school and send her to public school because I was denied a student loan for her. This company has turned my life up side down.   XXXX   sent me a letter stating, '' This is attempt to collect a debt ''. This is the only letter I receive when I request validation of the debt.
Consumer complaint received 2017-05-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company is trying to collect on a debt that I do not owe or have any knowledge of. This company removed the debt from my credit file and added back on the same exact day. They have not forwarded any proof bearing my signature connecting me to this debt. Per FCRA they was supppose to notify me in writing that the removed debt will be added back to my credit file within 5 days and they failed to do so. This company is in direct violation of federal laws, also I sent a validation letter to asking for proof of this debt and have n't received it.
Consumer complaint received 2017-05-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Delta Management Associates, Inc. (FL)

Delta Management, is tr ying to collect for   XXXX   XXXX  . The accounts are extremely obsolete and should have been deleted from my credit report at this time. The company has fraudulently re-aged the accounts . Delta Management s ent me numerous letters by mail at  one t ime and continuously contacted me when I asked them repetitively to stop all forms of contact. They have contacted my mother which I do not know how they obtained her phone number and they continuously contacted her after being told not to conta ct her.Then, th ey contacted her  XXXX  organization, contacting the Bishop of their  XXXX  in which I never had any affiliation with, asking if I worked for the   XXXX   XXXX   XXXX   XXXX  . and several other questions. I do not know how they obtained this man 's phone number, to question and harass him. Then when he saw my mother in front of their congregation, he informed of this call and asking her why this company is contacting him. I have never worked or had any affiliation with this  XXXX . Then they had the audacity to send me a demand letter for notice to prior wage garnishment, Then in the prior to wage garnishment, they had the audacity to threaten me and say if I did not sign and return, they would again contact the organization The   XXXX   XXXX   XXXX   XXXX   that I have never worked for or had any affiliation. I have nothing to do with this organization. This was extremely humiliating, stressful and harassing for my mother and myself and the  XXXX   Bishop  was extremely upset for the contact.
Consumer complaint received 2017-05-29
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. (NJ)

I would like to come to some sort of closure with  XXXX  billing, This all started aro und  XX/XX/2016 .  I joint the  XXXX   XXXX  for life plan, big mistake! It was at that time a free service, in which I was bille d 3  payments of {$380.00} which I paid! I should never have billed for this service, I contacted  XXXX  on several occasions I finally received a call from a so called supervisor, Who explained that I should never have billed and I was told that the money would be put back into my account? This never happened, so I stopped paying  XXXX  until I got it rectified! I have tried numerous times to get this fixed with  XXXX ! I had tried to contact them online through  XXXX   XXXX  online services, I was repeatedly either disconnected or put on hold. I also called on a land line same result. I even contacted a regional  manager  who handles these matters for  XXXX , again no reply! Needless to say the account was then sent a very unscrupulous collection agency,   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX , So far they breached my email account   XXXX   XXXX   XXXX  , which I was under the impression was illegal to do? Secondly they run my credit on a monthly basis to keep my score down and report monthly on my credit report, again which is illegal, and these reporting agency 's do NOTHING TO STOP this! I have also contacted the Federal Trade Commission on this matter reference number :  XXXX  I am also contacting a Lawyer to see if I can start a class action law  suite ! Ag ainst the credit reporting agency 's and this so called   XXXX   XXXX   XXXX  ! After doing online research it seems that I am not the only one that has issues with  XXXX   Billing  practices!
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2017-05-29
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. (NJ)

I would like to come to some sort of closure with XXXX billing, This all started around XX/XX/2016. I joint the XXXX XXXX for life plan,big mistake! It was at that time a free service, in which I was billed 3  payments of $XXXX which I paid! I should never have billed for this service, I contacted XXXX on several occasions I finally received a call from a so called supervisor, Who explained that I should never have billed and I was told that the money would be put back into my account? This never happened, so I stopped paying XXXX until I got it rectified! I have tried numerous times to get this fixed with XXXX! I had tried to contact them online through My XXXX online services, I was repeatedly either disconnected or put on hold. I also called on a land line same result. I even contacted a regional manager who handles these matters for XXXX, again no reply! Needless to say the account was then sent a very unscrupulous collection agency, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX)XXXX, So far they breached my email account XXXX, which I was under the impression was illegal to do? Secondly they run my credit on a monthly basis to keep my score down and report monthly on my credit report, again which is illegal,and these reporting agency's do NOTHING TO STOP this! I have also contacted the Federal Trade Commission on this matter reference number: XXXX 
I am also contacting a Lawyer to see if I can start a class action law suite! Against the credit reporting agency's and this so called professional collection agency! After doing online research it seems that I am not the only one that has issues with XXXX  Billing practices!
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am submitting this statement to report fraudulent accounts and unauthorized credit inquiries on my credit report, which were the result of my personal information being compromised in a data breach. I did not open or authorize the following accounts and inquiries, and I am requesting their immediate removal from my credit report. 


Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX This account was not opened by me and is a result of identity theft. 
XXXX XXXX XXXX Opened on XX/XX/XXXX This account was fraudulently opened without my knowledge or consent. 
XXXX XXXX Opened on XX/XX/XXXX I did not authorize or open this account. It is a fraudulent account created as a result of identity theft. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not authorize any credit inquiry from this institution, nor did I apply for any financial product or service. 
XXXX XXXX XXXX Inquiry on XX/XX/XXXX I have no connection with XXXX XXXX XXXX and did not authorize this inquiry. 
XXXX Inquiries on XX/XX/XXXX and XX/XX/XXXX These inquiries were made without my consent. I did not initiate any transactions or applications with XXXX. 
XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any credit services from XXXX XXXX XXXX. This is an unauthorized inquiry.
Consumer complaint received 2017-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Navient was attempting to force me to get a Forbearance instead of a Deferment based on the loans and the information contained in my loans as far as amounts does not look accurate. Also I was mislead into thinking I need to take out loans versus using other methods to fund my education.
Consumer complaint received 2017-07-24
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: Bread Financial Holdings, Inc. (UT)

Comenity Bank failed to disclose that by applying for a line of credit with them they can pull other credit reporting agencies without disclosing a list of possible credit reporting agencies they will use. The CFPB has over 100 or more documented credit reporting agencies for 2017. As a consumer I was only aware of Comenity Bank pulling one of the three major credit reporting agencies to obtain a line of credit with them. However, they failed to disclose that they can access any of the 100s of Credit Reporting agencies available to them without disclosing this information to me as a consumer. I requested that they use my XXXX hard pull or remove it but they instead sent me a letter stating they tried to also pull my XXXX report which I have frozen with a security pin due to identity theft that recently happened to me. I requested they could access my XXXX with my security pin or remove the XXXX Hard pull due to failing to provide that they can pull any of the 100 available credit reporting agencies that are listed from the CFPB. Which to me is dishonest and doing business in bad faith. Why? Because a consumer is not aware of the fact that multiple inquires from up to 100 credit reporting agencies is accessible to Comenity bank to make a decision simply for a store card seems to be illegal in my opinion. How can Comenity Bank do this? Run multiple inquires, fail to list the credit reporting agencies they use since there are 100s of Credit reporting agencies based upon the CFPB lastest updates? How is this legal!
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

REPORTING FRAUD ON THE   XXXX   MAJOR CREDIT REPORTING AGENCIES. 1.  XXXX    XXXX   XXXX   XXXX    XXXX , TX  XXXX  / 2.  XXXX    XXXX   XXXX   XXXX    XXXX , GA  XXXX . 3. TRANSUNION   XXXX   XXXX   XXXX   XXXX   PA  XXXX  / THE MAJOR CREDIT AGENCIES KEEP REPORTING THAT MY MEDICAL BILLS HAVE NOT BEEN PAID BY THE STATE MEDICAL INSURANCE. I BECAME   XXXX    IN   XXXX   MONTH OF   XX/XX/XXXX .  ALL OF THESE MEDICAL BILLS WERE PAID UNDER MY STATE MEDICAL INSURANCE HEALTH PLAN. PASS AND PRESENT. 1.   XXXX   XXXX   XXXX     XXXX   ID MEDICAL CARD NUMBER   XXXX   / DATE OF BIRT H   XX/XX/XXXX  / 2. STATE OF CALIFORNIA HEALTH INSURANCE ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIR TH   XX/XX/XXXX  / 3.   XXXX    HEALTH INSURANCE ID MEDICAL CARD NUMBER  XXXX . ( ( ( I AM   XXXX  AND  XXXX   XXXX   ) ) )
Consumer complaint received 2017-05-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I requested validation of a public record on my account which Equifax, XXXX and XXXX all sent me a letter stating they received information from a 3rd party stating that the 3rd party verified it I contacted the 3rd party which is XXXX XXXX and they stated that under no circumstances that these credit bureau 's pulled anything from their site nor comform by an agent to verify your circumstances and it 's misleading and fraudulent to state as such! Then I requested it be removed again they sent me letter stating that the XXXX XXXX XXXX verified the same thing upon contacting the Bankruptcy court of TN to see if they had verifiy or validated any information concerning me I was told it is against the law to exposed or give any information comconcerning court documents about a person information which is illegal and unorthodox to be open for a lawsuit! So I 'm filing this complaint against the credit bureaus for misleading information that was given to me and that they removed all public records & accounts that has not been validated!
Consumer complaint received 2017-05-29
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. (CA)

Equifax has an incorrect mark on my XXXX credit card from XXXX XXXX saying I paid 30+ days late which is NOT TRUE. I have never paid late for my XXXX and have documentation from XXXX proving that I have never paid late. Equifax has horrible customer service and will not remove the error on my Equifax report and is running me around in circles for almost 1 year. XXXX and XXXX are correct and show that i have never paid late also. Equifax is awful.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2017-05-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (NJ)

As I have tried to purchase the vehicle that I leased, I have been told that I can not receive financing unless I put down approx. {$2000.00}. As seen in the contract attached, I have already put {$2700.00} down on the vehicle which was fraduaently taken off of the vehicles MSRP price when it should have been taken off of the amount I was leasing.     Also, th e " Rent Charge '' on the vehicle is absolutely insane, at it is approx. 91 % of the amount I leased on the vehicle. It should, if not already, be illegal for a leasing company and the car dealership to charge a customer almost the same dollar amount in the " Rent Charge '' i n relation to the Depreciation Costs that are used to lease a vehicle.
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2017-07-24
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: DISCOVER BANK (CA)

I filed immediate complaint w/ Discover Card about a VETRENARIAN VISIT advertising " free exam '' X/XX/2017 ( my pet ) never got physical exam, ( in my presence ) no call back on, XXXX XXXX results or diagonosis. nothing for over a month. ( my cat is male they said he was female, my cat is XXXX & has XXXX XXXX and they said he was n't like that when they saw him? ) Called/e-mailed this vendor, XXXX  XXXX XXXX MANY times. They said exam was done in the " back room '' where they took his blood? I filed a DISPUTE w/Discover Card # XXXX.Discover refunded me the $ ( {$88.00} ) at first then charged me back. The vendor sent them 7 pages of questionable /info on my cat.I NEVER SAW or GOT any of this from them, this is 2 months later ... The info they supplied Discover Card was wrong/lied, Discover Card is ignoring my Better Business Bureau complaint, the CA Vetrenarian Assoc. , complaint, numerous online complaints from others about this business and are taking sides w/ the BAD VENDOR .... XXXX does n't do this, they refund you bad vendor purchases w/ a string of complaints ... .I am NOT paying this bill ... .I still do n't know what is wrong w/y cat and DISCOVER CARD is USELESS in protecting consumers. pb
Consumer complaint received 2017-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (FL)

Correspondence was sent t o ARS LLC o n  XXXX / XXXX / 2017  inquiring about a {$1700.00} medical debt reported to  XXXX ,   XXXX    &   XXXX . I requested information regarding the medical provider/facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   I believe that this debt is not mine and the fact tha t ARS h as never provided any verification of debt, further proves this for me. FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illegal for  ARS to contin ue reporting this debt.
Consumer complaint received 2017-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DIRECMANAGEMENT, INC. (AL)

I have requested verification/validation of the debt or removal twice. Once I requested the informati on Direct Management colle ction agency letter back to me saying they did not believe it was me so they would not respond or verify. So, I sent another letter requesting the same information and got it notarized to prove that it was me requesting information with my signature on it and stamped by a notary. But, they still sent the same response back to me by refusing to verify/validate by saying they do not think I am the person requesting the information. I felt me getting my letter notarized would definitely prove to them that I am the one who is writing a letter requesting information.