davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by TransUnion. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After filing my XXXX complaint with cfpb about inaccurate information on my credit report by TransUnion it still remains. Even after disputing with evidence from original creditor that it is incorrect TransUnion still places it on my report. Other bureaus have removed it but not TransUnion they are tampering with my report XXXX XXXX XXXX XXXX information. I feel now I am be retaliated against for filing a report on TransUnion. XXXX My account all of a sudden continues to get temporarily suspended. XXXX, the disputes I made online are now being mailed out to draw out the process of my disputes. I did not request anything to be mailed and where are they mailing it to? I did not confirm a mailing address with TransUnion. I did my dispute online like the rest of my disputes to get my results online, secure. This means someone will have all my personal information due to TransUnions negligence. My upcoming tentant screen will be rejected due to negligence of TransUnion.
Consumer complaint received 2020-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-12-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

I have tried To use This service Called XXXX And they blocked the transaction and account requesting tons of documents, their request are very strange an un usual, because I already transfered funds Using XXXX In the past, so they know very well that I'm myself and stil requested personal documents and thats against the privacy law Also if internet is not secure enought, then they should go offline and stop wasting customers valuable time they Are simply a bunch of incompetents that are not compatibles with internet and the web, they Answers like robots they have serios problems with their sistem since they can request the same exact documents a XXXX times, shameless and they are also a company of arrogants with a service that isn't priced good at all, their currecy exchange rates are not good at all, at least not for this planet They have to explaine, whty they request the same private documents unlimited times, for example XXXX times, what they are doing the multiple copies of customers private documents that they stack somewere in the XXXX or XXXX, since they probably don't have the funds to pay a salary to a us citizen Also they have to completely remove my private documents from their XXXX expensive system since I will never approve and use them again they are a bunch of Incompetens and they are not compatibles with the standards availeble in this world/planet market I will send further complaints on the web when and if needed, and the complaints are also unlimited, for them complaints are like a marketing strategy, they are really a strange company
Consumer complaint received 2020-11-24
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: CORELOGIC INC (NJ)

On XXXX XXXX, 2019, CREDCO add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, CREDCO add a hard inquiriy on my credit report per XXXX.
Consumer complaint received 2020-11-24
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. (TX)

I have sent multiple letters asking them to investigate multiple accounts on my Experian credit report that I don't recognize and provide me with documentation showing these accounts are mine. These inaccuracies are hurting my credit rating when I need it most during this pandemic. All they keep telling me is " verified '' or " updated ''. According to the FCRA they can not be reporting unverified or inaccurate information to my credit report.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AZ)

SYNCB/Ashley Home Store is reporting a XX/XX/20 late. My wife was in an accident and had to had XXXX in another state. The help she received was not much and we really struggled to make ends meet these last few months. I have been trying to make my payments on time but unfortunately defaulted. My wife 's accident really put us in a hard spot as we both were out of town for weeks waiting for her to recover. With COVID affecting me financially as is and my wife 's XXXX has made it really impossible to keep our head 's above water. I am asking as a long time customer that you remove the recent late notations. I truly did not mean to be late or wanted to but it was complete out of my hands.
Consumer complaint received 2020-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item XXXX XXXX  ( ADDRESS : XXXX XXXX  XXXX XXXX  XXXX XXXX, PA XXXX ) Allege Amount Owed {$280.00} XXXX XXXX XXXX XXXX ( ADDRESS : XXXX XXXX XXXX, XXXX FL ) Allege Amount Owed {$840.00} CAPITAL ONE ( ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) XXXX Allege Amount Owed {$360.00} XXXX XXXX ( ADDRESS : XXXX XXXX XXXX XXXX VA : Allege Amount Owed {$500.00} I have No knowledge of these accounts.
Consumer complaint received 2020-11-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northtown Capital Services Group LLC (TX)

Company : Northtown Capital Services Group LLC Representative : XXXX XXXX XXXX XXXX : XXXX Company Phone : XXXX Issue : Repeated calling, calling relatives and associates, calling after being told to send correspondence by mail, refusing to identify the organization calling Hello, I have had repeated calls from relatives stating this person from this company has been calling and asking to verify information about me. This is a direct violation of the FDCPA. I have received a phone call myself and told this person I would not verify who I was until I knew to whom I was speaking. This person stated they would not do so because it was a " private matter '. I then told them to send any correspondence to any address they had on record and to not call me any longer. They immediately proceeded to call any person with whom I have associated asking for verification on my whereabouts and contact information. This is a second violation of the FDCPA. I have never done business with this company and to my knowledge have no outstanding debt with them or anyone else at this time. 

Please send them a cease and desist order for phone calls. Thank you.
Consumer complaint received 2020-11-23
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: LEXISNEXIS (CA)

I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with XXXX on my behalf, with no response from XXXX. also i disputed with XXXX 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of LexisNexis removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.
Consumer complaint received 2020-11-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Office of Edwin B. Parry (UT)

I was served papers for a RECENT debt from XXXX XXXX, ( ie XXXX XXXX XXXX XXXX, shortly after disputing it with a credit reporting agency. In order to verify this debt I need the itemization and PROOF that the debt is in fact valid. Many of these debts are too recent for the paperwork to have processed due to the slowing down of IRS paperwork, by the coronavirus. Getting the information is the only way I can properly reply. 

On XXXX, their hours are Monday-Friday and Saturday XXXX to XXXX XXXX. When I showed up at XXXX on Saturday, I discovered that XXXX XXXX XXXX is in the same building as XXXX XXXX XXXX. But XXXXXXXX XXXX  XXXX isnt posted on the door anywhere ... I walked around looking for a separate door :,, nothing. Furthermore, when I called because the front desk area wasnt open, I was told that law office of XXXXXXXX XXXX XXXXXXXX was open just on the other side of the door, she had the paperwork, but she wouldnt give me the papers because the receptionist was their client, express recovery services ... and they werent open. 

I was upset about this and am now delayed further as I dont have a car to drive there all the time. Im an unemployed individual living through this pandemic. A lawsuit on recent unresolved debts, currently in dispute, is anything but compassionate and should be a crime. 

I told them this to which I was told everything is moving forward, businesses are still running and the world is moving forward. I am not able to be employed as I am on the CDC list of vulnerable populations right now. But yet here I am, at the ( law office? ) thats suing me, miles from home, outside, begging for proof of a recent debt, during open hours, so I can reply to a summons. Shame on this law office, and Im certain their relationship with XXXX XXXX is brushing too close to whats considered legal.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AZ)

Comenity Bank/XXXX  is reporting a late on XX/XX/20. My wife was in an accident and had to had XXXX in another state. The help she received was not much and we really struggled to make ends meet these last few months. I have been trying to make my payments on time but unfortunately defaulted. My wife 's accident really put us in a hard spot as we both were out of town for weeks waiting for her to recover. With COVID affecting me financially as is and my wife 's XXXX has made it really impossible to keep our head 's above water. I am asking as a long time customer that you remove the recent late notations. I truly did not mean to be late or wanted to but it was complete out of my hands.
Consumer complaint received 2020-11-23
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. (ID)

I am a victim of identity theft. I have attached a redacted police report ( eliminating photos and text because of the size of the file exceeding 10mg ). I am asking the government to please review the information, and if needed, I can provided an original company via mail of the complete police report conducted by XXXX Police Department.
Consumer complaint received 2020-11-23
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)

On Monday, XX/XX/2020, I just received in the U.S. mail my " FREE '' annual credit report from " Experian '' credit reporting agency. On " Page 1 of 16 '' it incorrectly states that I owed some company called " XXXX XXXX XXXX XXXX '' $ XXXX as of " XX/XX/2020. '' This is news to me and this $ XXXX DEBT is not mine!!! 
I looked for a telephone number on my " Experian '' credit report for this so-called " XXXX XXXX, XXXX '' and " Experian '' also stated on " Page 1 of 16 '' that " No phone # available. '' Of course not, most " scam '' credit collecting agencies ALWAYS have " No phone # available ''!!!
Consumer complaint received 2022-11-13
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. (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

I sent my letter off on XX/XX/2022 & XX/XX/2022. I told the credit bureaus to investigate each of these accounts and to remove from my credit report on the accounts I have listed below. Also, I have attached the letters I sent out and here is the Tracking # XXXX # XXXX # XXXX. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting these unknown accounts on my credit report.This is causing me to suffer repeatedly and its defamation of my character. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting XXXX XXXX accurate and according to the FCRA 15 USC 1681 everything has to be XXXX XXXX  accurate. I have the credit report showing the inaccuracies. Furthermore according to 15 U.S. Code 1681c-2 these fraudulent accounts should have been blocked within 4 business days. 


Accounts XXXX XXXX XXXX XXXX Account XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX
Consumer complaint received 2020-06-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I called and spoke to XXXX XXXX. XXXX today and there is NO record of this {$1000.00} loan from 25 YEARS AGO that TransUnion has decided to put on my credit report as of XX/XX/2020!!! THIS IS FRAUD AND I WANT THIS HANDLED NOW
Consumer complaint received 2020-11-23
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)

I have repeatedly sent certified mail letters to Equifax, XX/XX/XXXX, and XX/XX/XXXX to remove a credit item from XX/XX/XXXX because I am supposed to be included in this Class Action Settlement against XXXX. I wrote to the Office of the Attorney General, they sent me a letter dated XXXX XXXX with a PIU # of XXXX and said to follow up with XX/XX/XXXX who is administering money damages and XXXX is supposed to do loan forgiveness etc. I called XXXX XXXX because I never got a notice and they stated " I am not part of the Class Action Lawsuit '', despite having 2 auto loans over 23 and XX/XX/XXXX% interest rate. I have let the Attorney General 's Office know that these 3 credit bureaus have done NOTHING to remove this from my credit report, they have done NOTHING to help me get monetary damages, and XX/XX/XXXXcontinues to DAMAGE me and my credit reputation preventing me to move forward with my life. I CAN NOT get a decent job that is high paying, nor get a credit card, not even a car nor a house, and this has DESTROYED my ability to have any future. I want CFPB to HELP ME by enforcing Federal laws and make XXXX, Attorney General Office, and credit bureaus PAY ME MONETARY and PUNITIVE damages for my suffering here. I have a job working at an agency, but I have lost ALL chances of getting a Federal job. I am XXXX. Too old to get a real job now thanks to their destroying my credit.