davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MI)

I received a letter for writ for garnishment. I 'm not even sure what the debt is.I have a phone with limited mins.and no other form of reaching these people.. I live on very limited means, and there asking for 25 % of my   XXXX   XXXX  ,   XXXX   XXXX   check.. I simply ca n't live with that.. I need help!!
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I found a XXXX XXXX '' account on my credit report in the amount of {$170.00}, Account No. XXXX. It was opened XXXX/XXXX/XXXX and reported to my credit XXXX/XXXX/XXXX. 

I did not go to XXXX or take my adult son there in XXXX or XXXX or any other time. I also never signed anything giving anyone permission to take my son there so this could not be my bill. 

I have repeatedly requested verification of this account being mine from XXXX, Experian and XXXX. I have never received any verification from them because this account does NOT belong to me. They either entered information incorrectly or someone used my name. I dispute this information. This is NOT my bill. 

I am also unable to find out exactly who I supposedly owe this too. I live in XXXX and have XXXX this place in XXXX and sent letters to any addresses I could find.
Consumer complaint received 2017-08-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

Since XXXX XXXX, 2017 I have continuously submitted dispute with the XXXX major credit bureaus regarding information pertaining to bankruptcy on my credit report and have proved with documents that they are not contacting the actual court clerk in this warrants an investigation by someone, The XXXX major credit bureaus are providing false information, without the facts actually being sought. I have sent letters of intent to sue based on their negligence of this matter because I have provided documents many many times On my files, and they refuse to remove false information and have cost me a home, and vehicle due to their false reporting, I ask this be addressed and some one look into the fact that these bureaus are not complying to laws in place to protect the consumer, unless it is for their benefit, I 'm at the point I can not really afford legal counsel but am being forced into this position as they, and anyone I file with, will not serve justice. I demand the Bankruptcy items be removed, as they contain false unverified information and all things associated within.
Consumer complaint received 2017-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NY)

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never supplied me with goods nor services. In addition to that I have never received any notices from them prior to them placing this on my credit report so my rights under FDCPA section 809 were violated
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (OR)

I have repreatedly tried to temporarily lift a security freeze on my Experian credit report online. Each time Experian refuses to permit this being done online since I have been placed in " Special Handling '' as retribution due to previous CFPB complaints. 

I enter my data precisely as listed in a recent Experian report, I enter the correct PIN previously provided by Experian ( which I have used before successfully prior to being placed in Special Handling ) as well as entered valid payment details, each time Experian refuses the request. 

Writing in to temporarily lift a security freeze is a major inconvenience as it prevents knowing precisely when the report is unfrozen and I can apply for credit. Since written requests are subject to mail delays and processing delays, it 's impossible to know exactly when the freeze is lifted and to then accurately calculate when it will again be re-frozen. 

Experian should not be allowed to take retribution against consumers who have filed CFPB complaints about them.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Credit reporting transunion agency has ignored my request on a disputed account and did not honor New York State law XXXX In addition Credit reporting agency listed account to be removed off credit report on XX/XX/2016 and did not remove.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

Replacement information for case number XXXX On XXXX/XXXX/2016 I requested validation of a bankruptcy on my credit report reference numbers XXXX Bankruptcy Chapter XXXX, XXXX Bankruptcy Chapter XXXX, and XXXX Bankruptcy Chapter XXXX, providing me with any viable evidence bearing my signature submitted by United States Bankruptcy Court to validate this bankruptcy. Equifax failed to provide me with validation and only provided me with a letter stating that it was verified. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt or public record. 

I placed a security freeze on my personal public information with XXXX on XXXX/XXXX/2016 and XXXX verified that the freeze was placed on the on XXXX. The representative XXXX stated that no one has requested my information and it is not showing in their system that anyone has requested my information. However according to the results of the disputes that I placed with Equifax they are listed on the report as verified. I contacted Equifax and Equifax claims that XXXX sent them paperwork to verify that the public records are mine. The Equifax representation stated that it was verified on XXXX/XXXX/2016. This is a great concern to me because my rights have now been violated by Equifax or even XXXX.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MI)

Hello, My name legally changed in 2015 and the credit reporting agencies refuse to accept the court order and make the change to the credit report ( The previous name must not be disclosed, per court order - more than five years after the change ). This has resulted in a denial of credit because of lack of a credit history and a fraud alert on my account. 

They have stated that they will not change the information unless it comes from an original creditor, but this is false credit reporting because it is my history, my former ( birth ) name, and my new ( legal ) name. 

One of them did finally agree to make the change, but still sends my information in the former ( birth ) name AND when it did reflect the new ( legal ) name, they included a middle initial. There is NO MIDDLE NAME/INITIAL.
Consumer complaint received 2016-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (CA)

Hello my name is XXXX XXXX, I have disputed a false collection account with all XXXX credit bureaus. XXXX still has n't removed it. the account is from TRIDENT ASSET MANAGE .I am in the process of a home purchase and can not move a long in the process. I have attached a fraud affidavit i filled out. my phone number is XXXX. email address XXXXXXXXXXXX
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (NY)

Equifax has mishandled my personal identity information during the data breach of XXXX XXXX. This information was lost to unknown third parties, including my Name, Social Security #, Birthdate, and Address. Equifax has confirmed I was affected through their " Potential Impact '' site www.equifaxsecurity2017.com. 

Equifax has put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for protecting up for " trial periods '' of their ID protection services. In addition, Equifax is simultaneously undermining the legal protections of these injured parties with hidden terms of service that waive their right to sue the company in what is a situation of extreme and possibly criminal negligence.
Consumer complaint received 2016-12-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was a victim of identity theft and noticed a collection from Portfolio Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Portfolio Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Innovis (TX)

to whom it may concern i am having a issue with credit report agency innovis not complying with Fair credit Act Codes and Regulations bascliy violating my rights i requested a consumer report i received it i saw things out of place i disputed them online and with a dispute letter requesting the Documents they use to determine that the claim was verified. along with the name and number of the people they spoke to verify the account i have attach supporting documents for my complaint
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Accounts Below XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  USA Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open date : XX/XX/XXXX Dear, XXXX, XXXX, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

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

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2017-05-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I purchased a 7 month {$1000.00} CD at 4 % interest compounded daily on  XX/XX/XXXX  from   XXXX     XXXX   XXXX . Account or  XXXX  number :  XXXX . I never redeemed the CD expecting that it would continue to collect interest, even if adjusted. About  10 to 14 wee ks ago I called Fifth Third (  5/3 ) B ank who purchased   XXXX   XXXX   XXXX   some years ago about redeeming it. Several times I have been promised return calls from both the Corporate office and local branch but they never have kept their promises. I call back and they tell me it will take a week or so to research the matter of providing proof it was redeemed and try to dissuade me by saying it might cost me a lot of money for them to do that. I tell them to do the research. Then they say they may have deleted or purged the information.I do not believe I ever received any form of payment for the CD. It was purchased as a gift for my son and he kept saying he would let me know when to cash it in and give him the money. He waited until recently to ask me about it as our family is planning a  XXXX  vacation this Fall and he always intended to use it for travel. After several calls to the branch ( phone :  XXXX  ) I spoke to  XXXX  a t Fifth Third Corporate  on  XXXX / XXXX / XXXX  ;  XXXX  #  XXXX . Any assistance you can provide me would be greatly appreciated. I know my CPA tells me I have to keep my tax and business records indefinitely. I would think the banking industry would be have at least the same requirements as a small business owner would. Thank You Again,  XXXX   XXXX   XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have requested several times but received an annual consumer report from you this year. Therefore, I understand that I can receive my consumer record at no cost. My full name and mailing address are above. I am attaching a copy of my ID.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (NY)

Therefore, let it be known : On XXXX XXXX, Equifax systems were hacked and my personal information was improperly stolen, not limited to and including : My Social Security Number, My employer, My phone number, My address, My credit information, and My name. This was an unlawful event that could have been avoided had Equifax properly secured my personal information. 

Furthermore, Equifax had a number of Executives that cashed out their stock days prior to this incident without scheduling a XXXX. This is theft of not only my information, but also willfull ignorance ( deciding to do something KNOWING the consequences and proceeding anyway XXXX. This is unlawful and unacceptable use of my personal information and my identity information. 

All those responsible for this breach, for enabling this breach, and for the results of this breach are in violation of lore - in the violation of my human rights of privacy and security. This is a theft of my privacy, security, and ultimately of any time, value and currency that I have invested into Equifax. Therefore, All that was stolen must be returned at XXXX the value.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (PA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.