davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

A customer service agent from the original creditor XXXX XXXX reached out to me by email and phone on Tuesday around XXXX. At first when I was talking to her, I was very hesitant about giving her my info without her verifying what info she actually had on this account. Mind you this conversation was recorded. When I finally asked the lady if I give her my social security or the last four will she verify that it is my social security and if not take this off my credit report. She did not agree to removing it off my credit report which I did not understand but I do know that it is fraud to not remove an account that can be proven not to be mines off of my account. However, I gave her the number and she did research and said no that is NOT the social security number that we have on file. would that not be enough to remove that from my credit file? She asked me to send my documents in to here ; however, I do not feel comfortable sending my documents to a company I am not affiliated with. I have decided that I will stand my ground. The case number I was supplied on this case is XXXX. If this was under my social security number I would have filed a fraud dispute ; however, since they have confirmed to me that it is not my social after all these years I beg you to quit letting them falsely keep this on my account and dampen my good credit history by coming after the wrong person. PLEASE.
Consumer complaint received 2020-09-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I had a Lease with Toyota Motor Account # XXXX Opened in XX/XX/2017 for the duration of the lease I made my payments on time. I reached out to Toyota to request what the status of the account is due to the bureaus reporting Collection/Chargeoff. They responded saying I was not ever late on this account ( see attached ) No mention of any issues.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXXXXXX Balanced {$0.00}
Consumer complaint received 2019-03-29
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)

I reached out to you guys on last year regarding some items on my credit that were not mine. There are still a some items that are not mine and needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the FTC and local police regarding this. I am doing this on my own behalf.
Consumer complaint received 2019-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (TN)

I previously received a settlement letter from Receivable Performance Management LLC for a past due XXXX account. I called and spoke to a representative, whom did not immediately identify herself as a debt collector as required by law, and after speaking for several minutes we agreed that I would pay {$300.00} to settle the account in full. I was placed on hold to get approval from her manager, then she returned, disclosed she was a debt collector, then took my payment. 
I received a copy of my credit report this evening to discover the debt was updated reflecting a new balance. I called to speak to a representative, whom stated the account was not paid.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I have informed XXXX of fraudulent account telling them I am a victim of identity theft and O have report fraud to police and FTC, they was supposed to send me some information to complete in its entirety along with pertinent documents to attach Buton the midst of waiting for paperwork I have related and never received paperwork, Ive tried calling to let them know and they said they can not send me anything else, I told them they do not have authority to do that and that I am trying to dispute false account and that its messing up my life, therefore I am trying to proceed with removing false loan off of my credit immediately!!!!!
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX that I was not aware of. 

XXXX XXXX XXXX dated XX/XX/2019 {$50.00} XXXX XXXX XXXX dated XX/XX/2019 {$200.00} XXXX XXXX XX/XX/2019 {$500.00} XXXX  XXXX {$59.00} XXXX XXXX XX/XX/2019 {$15.00}
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX I am contesting any information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standard, data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof.You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the claims in my credit report are not true, please delete them immediately. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXXXXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022 Inquiries XXXX XXXX XXXX XXXX XX/XX/2022 Experian The request to remove these inquiries from my credit report has been made more than once, but I want them gone permanently. They are indeed violating the Fair Credit Reporting Act and should be deleted immediately! 
Sincerely, According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (LA)

I have informed Navient of fraudulent account telling them I am a victim of identity theft and O have report fraud to police and FTC, they was supposed to send me some information to complete in its entirety along with pertinent documents to attach Buton the midst of waiting for paperwork I have related and never received paperwork, Ive tried calling to let them know and they said they can not send me anything else, I told them they do not have authority to do that and that I am trying to dispute false account and that its messing up my life, therefore I am trying to proceed with removing false loan off of my credit immediately!!!!!
Consumer complaint received 2019-04-29
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. (CA)

A dispute was filed with Experian, XXXX and XXXX regarding a Fraudulent Account that was opened in my name. The account and credit card was opened by XXXX XXXX XXXX and listed on my report as delinquent. The account was opened in XX/XX/XXXX and I discovered I had a delinquent account on all 3 credit bureaus in XX/XX/XXXX. I immediately filed disputes and put fraud alerts on my reports. XXXX immediately removed this information from my report. Experian and XXXX have not removed the fraudulent information. XXXX XXXX XXXX  sent me documents with the phone number and email address that the account was opened with. Neither of them are mine. I have filed an identity theft report with the FTC and have filed a Police report with the local department where this was done.
Consumer complaint received 2019-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have several inquiries on my credit report when I contacted the credit reporting agency they refused to tell me how to have them removed. Inquiries and companies that I did not know anything about. 

They told me they could do nothing. I tried calling the companies that were placing inquiries they did nothing for me nor returned my complaints. 

Transunion actually offered me a PAID credit protection plan to avoid this problem in the first place.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

Im trying to get a negative mark removed from my credit report that was reported by XXXX XXXX XXXX. I have been trying for the past few months. Twice I have spoke to different escalation managers and twice my request was turned down. This is ridiculous. 

The facts are simple. 

My ex wife got our residence from our divorce. In our paperwork it clearly states she was the sole owner and solely financially responsible for the mortgage payments on the residence. Stipulation of Settlement was  executed on XX/XX/2018 by the XXXX XXXX XXXX. The late payment to which I am referencing was reported for the month of XX/XX/2018. Clearly after all papers were signed. 

The below references relate to the Stipulation of Settlement from our divorce. 

Page 13 letter K Unless expressly provided in this agreement, the party receiving the particular asset, whether tangible or intangible, shall assume any and all liabilities associated with the ownership of such asset, and shall indemnify hold the other party harmless of any and all such liabilities. 

Page 15 letter B The wife shall remain in and retain sole ownership of the residence. 

Page 16 letter C from previous page 15, The wife shall indemnify and hold the husband safe harmless and satisfied with respect to the XXXX XXXX now and forever. 

This is pretty simple case. My ex wife assumed the home and the Mortgage solely on XX/XX/2018. On that date I lost all interest in the residence and was no longer obligated to legally pay the mortgage. The fact my name wasnt removed from the mortgage loan was a technicality and that it was being worked on to be removed. It takes months to do title searches and to get approved for a mortgage. 

Our Judgement of Divorce Papers were executed by the XXXX XXXX XXXX on XX/XX/2018. 

I just want this negative mark removed from my credit report.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX 1. XXXX 2. XXXX
Consumer complaint received 2019-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2019 A charge for a XXXX  purchased was charged. I received my statement and contacted capitalone about the charge. I explained to them that I did go into a XXXX store to establish new service to get a new XXXX. I was with the sales guy and had the phone picked out and was at the last step which was to sign and than take my phone that i purchased. I had my card out, but i had him wait a moment because i found a better deal at a target phone kiosk. I explained to him that i want to check out targets mobile kiosk to see there specials. he got upset and took all of the papers that I DID NOT SIGN and my card and the phone that was still wrapped into the back. He came back out and gave me my card and information about the plan NOTHING I signed. I explained this to them about 5 times, after talking with different country reps that couldnt understand, i finally speak with someone in the states today ( on the phone for over 2 hours today, in the past about another 2 hours explaining ). Today the guy at capitalone ( another country ) had me be on hold while he calls the store that the card was charged, the guy on the phone couldnt find the charge, he said he would transfer us to the corporate accounting department. The guy at capitalone, me and the lady in the corporate accounting was discussing the above. I gave her all of my personal information and capitalone charge information. She than asked for a pin or a code, i said i dont have an account and dont know the pin. she than said this is fraud and she needs to put me on hold. After that, the line disconnected. After calling back to capitalone on hold for another 30 minutes, the guy said ( in the US ) there is nothing else for me to do but we can not help you anymore. The charge isnt mine, i didnt get credit for this charge.
Consumer complaint received 2019-05-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (ME)

XXXX is my loan servicer. They asked me to complete my income based loan repayment certification, and that they would send me a letter updating my loan payment details. I submitted this before the deadline of XX/XX/2019. Now, my payment has doubled without any communication from the company. When I logged onto my account, they had put my loan in the Revised Pay as You Earn, instead of keeping the Income Based Repayment repayment plan even though my spouse and I file separate taxes. When I called the company regarding this change on XX/XX/2019 at XXXX and the large monthly amount due, the first customer service representative said that half of my consolidated loans had been taken off of income-based repayment and put back on the standard repayment plan, in addition to the other half being put on Revised Pay as You Earn. This is very alarming as it means any interest would have been capitalized and added to my loan amount as soon as the Standard Repayment was put into effect. Furthermore, this would make these loans no longer eligible for PSLF program which I am eligible for. The representative then proceeded to put me on hold again for an additional 20 minutes until the phone line closed. I am struggling to get in contact with anyone that can help me.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-29
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)

I was advised to contact this agency about items on my credit that are not mine. XXXX, XXXX AND XXXX. I have contacted the FTC and my local police. There are also inquiries on my report that e.re not mines.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 am doing this on my own behalf.
Consumer complaint received 2019-05-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USI Solutions Inc. (AZ)

USI Solutions, Inc has contacted me several times between XX/XX/XXXX and XX/XX/XXXX. I have requested a copy of the signed note and was refused each time. Three times I was placed on hold and hung up on. XX/XX/XXXX I again requested proof and was accused of playing games and stalling. I was offered my social security number as proof. During repeated attempts to be cordial I was berated for my age, maturity, character and being bitter about a previous relationship. I then asked for transcripts of the conversation we had been having and was also denied. After a few futial attempts in my requests and being placed on hold six times I was connected to a Manager. The self declared manager also refused proof and transcripts of our conversations. It was after going around a few times in my request that I hung up.
Consumer complaint received 2019-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These accounts are fraudulent : XXXX XXXX XXXX {$3600.00} XXXX   XXXX  {$740.00} XXXX XXXX {$200.00}
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

When Experian was hacked and the media advised freezing all three credit reporting agencies to protect the dark web from selling U.S. Citizen 's personal information, we had Experian, XXXX and XXXX all frozen, and received pin numbers to unlock all 3 when we had purchases we needed to make. That day came today. XXXX executed our request with absolutely no problem. 
However, Experian and XXXX apparently utilizes off -shore customer service personnel who are, ( I will be nice ) completely frustrating, ineffectual and infuriating XXXX. 
They did not accept the pin they issued us. They did not accept the confirmation numbers that were given at the time of last credit freeze transaction. The representatives demanded Mortgage entity information, several other vendors that we pay by credit card, and then demanded copies be faxed with full SSN # s. 
What did we get a pin number for? Can you please help with this issue? These two entities were NEVER easy to do business with, and now it is intolerable/impossible. 
Please Help! Thank you.
Consumer complaint received 2019-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

I have paid my balance in full, returned all equipment, spoke to representatives regarding the debt collection, and XXXX continues to collect a {$410.00} debt that is not owed. 

This {$410.00} debt has been paid in full since 2016 and should be removed using the full extent of the law and protections that the CFPB grant to consumers dealing with illegal collection activities.
Consumer complaint received 2019-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Account Named XXXX XXXX {$2400.00} was disputed to Transunion and subsequently removed by Transunion between XX/XX/XXXX and XX/XX/XXXX, Then without notifying me Transunion placed the account back on my credit report between XX/XX/XXXX and XX/XX/XXXX This in violation of FCRA Part ( A ) ( 5 ) ( B ) ( ii ) Also the account seems to have been re-aged in Violation of FCRA Section 605 ( C ) Last neither the collection agency or Transunion have not validated the debt with and original signed & dated contract which would validate the debt. This in Violation of FDCPA Section 809 ( B ) FTC Opinion Letter CASS from XXXX.