davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-10
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. (DC)

Public Record- tax lien Tried numerous of times to get all 3 Credit Bureaus to remove a paid and release public record from my report. XXXX  report doesnt show, but the others does. After several attempts, they informed me that the information is correct and it will not be removed until XXXX. 

Public record recorders XXXX Paid XXXX
Consumer complaint received 2018-03-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

I took out an " Payday Loan '', and I show up to pay off loan, and the customer service representative refuses to take payment. 

ACE Cash Express, Inc. Store # XXXX, the customer service representative refuses to take payment. She stated that the, " Payday Loans '', are passed on too collection agencies, too ruin minorities line of credit, so that they will have to come back to, PAYDAY LOAN COMPANIES, only for business, we make numerous inquiries so that the customers are forced to come back to, PAYDAY LOAN COMPANIES CAN RUIN THE CREDIT! 

Ace Cash Express, Inc. Store # XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX www.acecashexpress.com After calling numerous times, the Ace Cash Express , Inc. to this day refuses to connect, me with the collection agency by United States Mail , to settle this account.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Last year I signed up for FREE services from XXXX XXXX. I was sent an email from XXXX XXXX saying that my credit score went down. So I logged into XXXX XXXX. I looked at what they said caused my score to go down and I logged off. I was charged {$2.00} to do that apparently. Where is the Free Services? 
Then 8 days later I get charged {$22.00} by TransUnion. I called them and they said by checking my credit report that day on XXXX XXXX that signed me up for credit monitoring for {$22.00} a month. 
This is ridiculous! They are taking advantage of EVERYONE. XXXX XXXX says they are free but they charged me {$2.00}. Then Transunion signs me up without my consent. I never inputted any credit card or account information with them. How did they get my account information to even charge my credit card??? They charged my account for {$22.00} without my consent. That is illegal! 
Not only can you not trust computers and identity thieves, now you can not trust the people that are your only hope of protecting yourself from identity thieves!
Consumer complaint received 2018-03-10
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. (GA)

My name is XXXX XXXX. This is my second attempt to contact you about several fraudulent accounts that you are reporting on my credit file. I would like to dispute the following accounts as an internal dispute and an affidavit. I am unaware of the accoutns. I was affected by the credit breach and my name was leaked. I have never filed for any bankruptcy and I am unaware as to why it is listed on my credit file. I dont know if you got the wrong person but I am sorry to say Ive never dealt with any bankruptcy. The last time I applied for any credit was in early XX/XX/XXXX. I havent really checked my credit for years since then. The inquiry items are XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX XX/XX/XXXX 5. XXXX   XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX  9. XXXX  XX/XX/XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX   13. XXXX XXXX 14. XXXX XXXX XXXX  15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX 3. XXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-10
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. (GA)

My name is XXXX XXXX. This is my second attempt to contact you about several fraudulent accounts that you are reporting on my credit file. I would like to dispute the following accounts as an internal dispute and an affidavit. I am unaware of the accoutns. I was affected by the credit breach and my name was leaked. I have never filed for any bankruptcy and I am unaware as to why it is listed on my credit file. I dont know if you got the wrong person but I am sorry to say Ive never dealt with any bankruptcy. The last time I applied for any credit was in early XX/XX/XXXX. I havent really checked my credit for years since then. The inquiry items are XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX XX/XX/XXXX 5. XXXX   XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX 8. XXXX   XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX   13. XXXX XXXX 14. XXXX AXXXX XXXX  15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-10
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. (CA)

These accounts have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( # XXXX ), and I am receiving my FBI report. 


Also the account with XXXX XXXX that was an authorized user account with the terminated status and {$5900.00} limit?. I have absolutely no idea whos account that is and under the FCRA 2009 ( a ) want it removed under the nature that the ownership of the account isnt even mine..
Consumer complaint received 2018-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I paid this debt with XXXX  account resolution years ago and they are still reporting as unpaid on my XXXX credit report. I disputed through XXXX months ago and I even called the collection agency. Still no resolution and it is seriously affecting my credit. I owed {$1300.00}, {$640.00}, {$600.00}, and {$930.00} between XX/XX/XXXX-XX/XX/XXXX. I paid directly through the original creditor which was XXXX college.
Consumer complaint received 2018-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.

I am a victim of identity theft and noticed a collection from HUNTER WARFIELD. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against HUNTER WARFIELD in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2018-03-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ,XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES HAS CALLED MY CELL PHONE REPEATLY PHISHING TRYING TO COLLECT A DEBT I DO NOT AND NEVER OWED THEM AGAIN ONE BROWN PENNY! THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION ACT! NEVER A LETTER COMES BEFORE THE UNLAWFUL PHONE CALLS TO MYSELF AS WITH THE IILEGAL TACTICS OF PHISHING TRYING TO COLLECT A DEBT WHICH PORTFOLIO RECOVERY ASSOCIATES IS KNOWED THRU OUT THE COUNTRY FOR! I REPORTED THEM ON THE SAME COMPLAINT XXXX ON XX/XX/XXXX ALSO CALLED THE XXXX XXXX   XXXX AND TOLD THEM TO STOP THIER NONSENSE! THE FLORIDA STATE ATTORNEY WILL GET MY NEXT LETTER TI GET THEM TO STOP VIOLATING THE LAW. I  AGAIN DO NOT OWE THEM ONE BROWN PENNY OR ANY MEDICAL INSTITUTION THEY ARE PRETENDING TO COLLECT FOR! I AM A XXXX FOR OVER 30 YEARS AND KNOW WHEN A FRAUDULENT PRACTICE IS BEING DONE TO MY REPUTATION AND MYSELF!
Consumer complaint received 2018-03-10
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. (DE)

I recently reached out to Transunion via telephone, I informed the representative that I notice on my credit report that I have several inquiries that I didn't authorize. I explained to the representative that I believe the unauthorized inquiries may be a result of the inquiry issue Transunion experienced within 2017. The representative refused to assist me with having the misreported inquiries removed. I have reached out to the companies directly and reported the inquiries as fraud but they were not removed. Below is a list of the inquiries listed on my credit report that were unauthorized : XXXX XXXX ( 2 ) XXXX XXXX  ( 2 ) I would like your assistance with having these unauthorized inquiries removed. 

Thanks, XXXX
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Hello, my taxes were recently withheld this year for my student loans and they are still showing a high balance. XXXX. XXXX XXXX XXXX XXXX opened on XX/XX/XXXX date of first deliquency XX/XX/XXXX. Still showing a balance of XXXX which should now be taken care of. Along with XXXX XXXX XXXX XXXX loan balance of XXXX. Opened on XX/XX/XXXX first deliquency of XX/XX/XXXX. Both education loans, both taken out of XX/XX/XXXX 's taxes that I filed with my husband.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I set up a payment plan in XX/XX/XXXX with XXXX to pay a bill that I owe, the total was $ XXXX.The agreement was to make a payment every Friday of {$40.00} until the bill was paid. 

I paid the bill off through XXXX. 

That same month a collection ( XXXX  XXXX ) appeared on my credit report with an inaccurate amount of XXXX that I owe to XXXX. 

I called XXXX and told them what was going on and they told me I would have to contact the ( XXXX XXXX ) collection agency to get it removed. 

I contacted the collection agency and was told that XXXX would have to update them saying it was an error on their end to have it removed. 

I contact XXXX and was told it would be removed. 

XX/XX/XXXX, I received a letter from the collection agency saying that sent in a request to all bureaus that the negative remark be deleted. 

It has since been deleted from my XXXX report. 


I have disputed it on Equifax and XXXX report. 

Equifax sent me a dispute update via mail saying that it was updated, which is inaccurate. 

XXXX  closed that account and its now say paid collection, which is inaccurate but I didnt make a payment to the collection agency, all my payments were through XXXX.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

The unverified accounts listed below continue to report on my credit report in violation of federal law. The sent a letter to the 3 credit bureaus but I never received a response from it. This 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

I was recently denied credit due to incorrect reporting and failure to verify/validate the information on my credit report. The incorrect, incomplete, and misleading information on my consumer report has impacted my credit worthiness, credit standing, credit capacity, character and general reputation. 

A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, we are requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

15 USC 1681s-2 ( a ) ( 7 ) - Negative Information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

DISCOVER- Acct # XXXX Late payment XXXXPlease see bank statement reflecting ( 2 ) payments in XX/XX/XXXX - ( XXXX XXXX AND XX/XX/XXXX, XXXX This failure to validate/verify the negative Item from the furnisher has resulted in a denial of a recent loan application. 

Discover and XXXX failed to notify me- ( the consumer ) in writing of this negative information stated by law noted above. 

XXXXXXXX XXXX  Acct # XXXX 30 day Late payment reported XXXX XXXX reports XXXX XXXXFURNISHER REPORTING INACCURATE DATA AND XXXX FAILED TO VERIFY/VALIDATE NEGATIVE INFORMATION ON MY CREDIT REPORT AND PROVIDE NOTIFICATION OF NEGATIVE INFORMATION ON MY CREDIT FILE XXXX XXXX  Acct # XXXX Account Opened XXXX XXXX-payment history INCOMPLETE-missing ALL of XXXX and XXXX XXXX, 30 day late XX/XX/XXXX and XXXX XXXXHow can the payment be marked 30 days with no data available for other months in XXXX?
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NC)

I am writing to request your assistance in resolving a matter regarding my personal financial information. I believe there may have been an inadvertent error or oversight in the handling of my account with Discover. 

I am concerned that my personal financial information may have been shared with your agency without my explicit consent, potentially violating the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). As you know, the GLBA requires financial institutions to protect the privacy of their customers ' information and obtain their consent before sharing it with non-affiliated third parties, while the FCRA provides consumers with certain rights regarding their credit reports. any consent is hereby revoked. i ask that all information pertaining to my files and accounts be removed from consumer reporting agencies and non affiliated third party. 

Specifically, under 15 U.S.C. 1681a-4 of the FCRA, consumer reporting agencies are prohibited from furnishing information to third parties unless the consumer has authorized such disclosure.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

Under the doctrine Estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted I C System on a matter that pertains to my credit. I have been a victim of fraud. I sent I C System a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked I C System to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX XXXXXXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay I C System and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe I C System. You can not because this is not my debt nor do I owe I C System anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM I C SYSTEM NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

I was recently denied credit due to incorrect reporting and failure to verify/validate the information on my credit report. The incorrect, incomplete, and misleading information on my consumer report has impacted my credit worthiness, credit standing, credit capacity, character and general reputation.

A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, we are requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

15 USC 1681s-2 ( a ) ( 7 ) - Negative Information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

XXXX has failed to update outdated addresses- ( from over 25 years ago ) after dispute submitted in XX/XX/XXXX and XX/XX/XXXX. 


Accounts Disputed but NOT resolved : OUTDATED ADDRESS- Experian has failed to remove outdated addresses- ( from over 25 years ago ) after dispute submitted in XX/XX/XXXX and XX/XX/XXXX. This is INACCURATE reporting. XXXX and XXXX only report my current address. 

Discover Acct # XXXX Late payment XXXXPlease see bank statement reflecting ( 2 ) payments in XX/XX/XXXX - ( XXXX XXXX AND XX/XX/XXXX, XXXX This failure to validate/verify the negative Item from the furnisher has resulted in a denial of a recent loan application. 
Discover and XXXX failed to notify me- ( the consumer ) in writing of this negative information stated by law noted above. 

XXXX XXXX Acct : XXXX This account is INCOMPLETE- ( Missing : Payment History-XXXX XXXX  ) and marked Closed XX/XX/XXXX in Payment History- ( THIS ACCOUNT HAS BEEN CLOSED BY XXXXXXXX XXXX XXXX DUE TO INACTIVITY ) -THIS IS REPORTING IN ERROR Dispute-30 Day late reported in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In order for XXXX XXXX to treat this payment as late XXXX XXXX must mail the periodic statement 21 days prior to the due date which I did not receive. 

XXXX XXXX and XXXX failed to notify me in writing of this negative information on my credit report as stated in law above. 

XXXX XXXX Acct # XXXX Dispute 30 day late-reported XX/XX/XXXX, XXXX XXXXIn order for XXXX  XXXX to treat this payment as late XXXX XXXX  must mail the periodic statement 21 days prior to due date. Verify/Validate XXXX XXXX followed the law regarding reporting late payments XXXX XXXX and XXXX failed to notify in writing of this negative information on my credit report as stated in law above.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

This letter is in response to your recent claim that XXXX XXXX XXXXXXXX has reported an unpaid debt under my name, XXXX XXXX XXXX. I have verified that I have no legally binding obligation to pay any alleged debt with them. 
Again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXXXXXX. Be advised that I hereby request a description of the procedure used to determine the accuracy and completeness of this information, and it must be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, I request the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. 
I am formally requesting a copy of any documents provided by XXXX XXXX XXXXXXXX, bearing my signature, that prove I have a legally binding contractual obligation to pay this amount. A bank clerk looking at their computer screen and seeing my name listed in their database is NOT verification or validation of any alleged debt. 
This is my final goodwill attempt to have you clear up this matter. The item listed is entirely inaccurate and incomplete, and it represents a serious error in your reporting. 
Failure to comply with federal regulations regarding credit reporting agencies will be investigated by the Federal Trade Commission ( FTC ), per 15 USC 41 et seq. I am maintaining a careful record of our communications for the purpose of filing a complaint with the FTC, the Consumer Financial Protection Bureau ( CFPB ), and the Minnesota Attorney General 's office, should you continue in non-compliance. 
As a reminder, in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX XXXX ), non-compliance may result in your liability for damages