davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint against Experian for their failure to respond to a dispute letter I mailed on XX/XX/year>. In this letter, I requested an investigation into several inaccurate items listed on my credit report, as well as the correction of incorrect personal information. 
Despite the significance of these inaccuracies and the impact they have on my creditworthiness, I have not received any response from Experian regarding the investigation results. This lack of response is both frustrating and concerning, as it affects my ability to access credit and other financial services. 
Experians failure to respond within the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ) is a clear violation of federal law. The FCRA requires credit reporting agencies to investigate disputes and provide the results of the investigation to the consumer within 30 days of receiving the dispute. 
I seek assurance that the disputed information on my credit report will be deleted and that my personal information will be updated accurately.
Consumer complaint received 2024-07-01
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. (NY)

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this submission, XXXX and XXXX promptly removed these accounts from their records. I have also contacted the companies associated with these accounts directly, and they have confirmed the removal of the accounts from their records. Thus, I am perplexed as to why these accounts continue to be reported by your bureau. It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this duty but also subjects me to further harm XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing a complaint regarding the inaccurate reporting of several accounts on my credit reports across the XXXX major credit bureaus ( XXXX, TransUnion, and XXXX ). These discrepancies violate multiple sections of the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation and correction of these issues. 

XXXX XXXX : There was no notice of dispute provided, in violation of FCRA Section 623 ( a ) ( 3 ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : The account was deleted off XXXX but remains on TransUnion and XXXX, without proper dispute notice, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX XXXX  : There is an account on XXXX with a balance of {$1200.00} and an open date of XX/XX/XXXX that was not deleted. Additionally, there was no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ). 
Another XXXX XXXX XXXX  account is listed on all three bureaus with a balance of {$1600.00}, no notice of dispute, an open date of XX/XX/XXXX, and inconsistent payment history. This account has also been re-aged, violating FCRA Section 605 ( c ) and FCRA Section 607 ( b ). 
XXXX XXXX : No notice of dispute was provided, in violation of FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged by over a year and is still listed on TransUnion and XXXX, violating FCRA Section 605 ( c ). 
XXXX is showing a late payment on a collection account, which is improper. 
XXXX XXXX XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ). 
The account has been re-aged by two years, violating FCRA Section 605 ( c ). 
XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged and there is inconsistent payment history across the XXXX credit bureaus, violating FCRA Section 607 ( b ) and FCRA Section 605 ( c ). 
XXXX : Only listed on XXXX with no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX XXXX  : Another account is listed on all three bureaus with a balance of {$1600.00}, an open date of XX/XX/XXXX, no notice of dispute, and inconsistent payment history. The account has also been re-aged, violating FCRA Section 605 ( c ) and FCRA Section 607 ( b ). 
XXXX XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The payment history is inconsistent, and the account has been re-aged, violating FCRA Section 607 ( b ) and FCRA Section 605 ( c ). 

Please find attached copies of my credit reports from XXXX, TransUnion, and XXXX, highlighting the discrepancies, as well as any correspondence related to disputes Ive filed directly with the credit bureaus and creditors.
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/year> an account was opened in my name, which wasn't authorized by me due to me being incarcerated. There's a balance on my consumer report of {$900.00}. I've continued to ask the company for an investigation of how they collected my info which they never sent proper documentation. This has caused so much frustration & hardship upon me. I was just released from prison XXXX of last year & I'm trying to get my life back on track.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service (WI)

I recieved a letter from Military Starr Card about a credit card approval. I never once opened an account with that company and now it's showing up on my account and with a new address in XXXX WI. I have never lived there so i dont know how this happened. I want it removed from my report and that address removed as well.
Consumer complaint received 2024-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (NC)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-08-28
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (FL)

Southern management systems XXXX XXXX XXXX  XXXX XXXX fl XXXX. Did not try to contact me in any way prior to me receiving a letter from them on XX/XX/2024, which was sent on XX/XX/XXXX th of 2024 according to the outside of the letter. No email, no calls, no voicemails. nothing. On this letter it states i lived at XXXX XXXX, XXXX XXXX. I did not i Lived at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX fl XXXX. On this letter it also has the date of XX/XX/XXXX th of 2024 they received this information and I have until XX/XX/XXXX th of 2024 to pay XXXX which it does not show me a itemized bill just i owe {$350.00}. I moved from XXXX XXXX XXXX  on XXXX  XXXX XXXX and I gave the Key back to the office manager XXXX XXXX and I was expecting my full deposit of {$550.00} back.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Merchants Adjustment Service, Inc. (AL)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Merchants ADJ Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (GA)

This is not my account, wrong account number, this account was not under a XXXX XXXX XXXX, delete this item due to multiple errors. Please validate this account, please provide evidence showing this is my account such as my signature on documents or delete this account. THIS STATUE OF LIMITATION HAS EXPIRED ON THIS ACCOUNT
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  collections has been placing info on my report I have done a verbal Cease and Desist also a written letter also confirmed they received the letter I have been working extremely hard to repair my credit and I have no business with them
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paramount Recovery Systems, L.P. (FL)

Paramount recovery CFPB ID FOR COMPLAINT SENT TO XXXX XXXX Print a copy of this complaint ID FOR COMPLAINT SENT TO XXXX XXXX  XXXX  XXXX Print a copy of this complaint ID FOR COMPLAINT SENT TO XXXX XXXX I have no signed payment agreement with this company. Please stop collection efforts and remove from my credit report immediately. Show me a contract or remove report
Consumer complaint received 2024-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (PA)

On XX/XX/XXXX I received an email from Halsted Financial services that I owed XXXX XXXX So I went ahead and gave them a call on the same date at XXXXXXXX XXXX and I was able to get ahold of a representative named XXXX. I told him before I can acknowledge this Debt I need to verify it first, XXXX then told me he could not provide me with that information and didnt have it. All he told me is he could provide me with is what I supposedly owed and that his company was working through another debt collection agency. I feel as though this is a violation of the FDCPA. He could not validate that I even owed any debt.
Consumer complaint received 2024-08-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (ME)

I submitted a school misconduct application on XX/XX/year> through Navient. Navient confirmed they received my application on XX/XX/year>. It's been 30 days since I heard from them so I'm filing a complaint.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (TX)

Your agency has placed a collection entry on my credit file without prior notice, and I dispute the accuracy of this claimed debt. As per the Fair Debt Collection Practices Act, I formally demand immediate validation of this debt.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (AP)

I ran a credit check when my auto loan came in at a higher rate than expected. Found XXXX separate negative remarks on my credit check from AARGON Agency : XXXX in the amount of {$160.00} XXXX in the amount of {$820.00} I am an XXXX XXXX employee who has been station overseas at XXXX XXXX XXXX since XXXX of XXXX. I have no knowledge of either of these bills, have never received a bill or been contacted in any way saying I owed anyone money, nor have I ever been contacted by AARGON Agency. 

These just appeared on my credit report and I don't know what they or supposedly for
Consumer complaint received 2024-10-23
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: Self Financial Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Mid-Atlantic Finance Co., Inc. (KS)

I financed a vehicle through a car lot the car lot sold the loan to MAF. I requested the original contract from MAF ( Mid Atlantic Finance Company ) I was told it would be sent to me and I never received the documents. Payments were on time because they were set up on Automatic payment drafts from my account, now the vehicle is missing.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Via FTC Identity theft report, Columbia Debt Recovery was placed on notice that this was a fraudulent debt that they are reporting as being owed to them. How can I owe them a debt when I have never contracted to do business with them nor signed any agreement waiving any rights? They have not produced any documentation bearing my signature that I have agreed to open an account with them or conduct any business whatsoever. They certified to XXXX that this debt was valid and XXXX confused as to how anything was certified without XXXX ) a notarized affidavit and XXXX ) proof that an agreement with Columbia Debt Recovery bears my signature. If it was certified why hasnt this proof been uploaded as a response to this complaint? THIS IS FRAUD and I demand deletion immediately. Columbia Debt Recovery is purposely delaying correcting this information as required by law as though they are above the system in place to protect consumers. They even lied and stated that they had placed dispute language on the report which they have not as evidenced in the screenshots provided. They are merely attempting to prolong their duties under the law by delaying the deletion.
Consumer complaint received 2023-05-21
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. (FL)

On XX/XX/XXXX The Credit bureaus were sent certified letters. XXXX letter # XXXX, XXXX letter # XXXX, and Experian letter # XXXX. The credit bureaus stated that following accounts were properly investigated : XXXXAcct # XXXX, XXXX-Acct # XXXX, XXXX-Acct # XXXX, XXXX XXXX XXXX, XXXX-Acct # XXXX and XXXX XXXX- Acct # XXXX. On XX/XX/XXXX I sent another certified letter after the credit bureaus stated these accounts were accurate- XXXX letter # XXXX and XXXX letter # XXXX. But how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2024-08-28
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: PLANET HOME LENDING, LLC (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (CO)

On XX/XX/XXXX, two friends & me were celebrating my birthday when suddenly I started to throw up. I'm sure my so called friends slipped something in my drink & planned to rob me. They called the ambulance which I didn't want them to do. When it came, I begged the EMTs to make sure to get my purse, you couldn't miss it as it had sparkles all over it. Three times I asked them and told them I didn't need any help. They did give me something for my XXXX and that was it. They loaded me up against my will and when we arrived at XXXX  XXXX  they rolled me down to the basement with all the homeless. I was horrified at all that was going on and felt like I was in a dungeon. Right after I arrived in this dirty dungen, they brought in a homeless guy that was screaming that he just got XXXX several times and in my opinion was totally in shock. As soon as he said this they rolled him back out to who knows where?! I finally was able to use the dirty restroom to clean up but was cut short as a homeless woman wouldn't leave me alone. She kept on banging on the door till I let her in and said I was finished. I then approached the only counter in the basement to ask what do I do next. She said that my friends refused to give the ambulance people my purse and only gave my license. I filled all the necessary papers for XXXX, XXXX, and told them I was indigent, lived at a low income gov. facility, and they told me everything was taken care of. They then escorted me to the upstairs waiting room. There I waited for hours before I could get a ride back to the hotel where we were staying. My ex-friends stole all the money I had and I barely made it back to Colorado where I reside. That was in the year XXXX & a year later in XXXX I started to receive this ridiculous bill of {$780.00} from XXXX XXXX. I had no tests, saw no doctors & was treated like a homeless person while witnessing all kinds of abuse and trauma. They are lucky that I am indigent as I would like to sue XXXX XXXX. I have filed 2 complaints with the no-surprise department I found on XXXX website. Please see the two complaints that I will be attaching to this complaint. Since then XXXX has turned me over to a collection agency called Medicredit, please see their attached letter. Thank you for your time and expertise with this frustrating and time consuming surprise debt that I am having to deal with. I will be attaching some of the more important documents also. Best regards, XXXX XXXX
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: Self Financial Inc. (PA)

I was never late on this account. Please show me documentation showing proof of such transactions. Showing that I was ever late to support your inaccurate reporting on my account. If you can not supple this please delete this alleged late payments from my credit report. FCRA allows 30 days for this to be rectified.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion refuses to unfreeze my credit report. Their website just says " Sorry, we're having trouble showing the status of your credit freeze right now '' for several days and after waiting an excessive time on hold, the person I spoke to refused to help me.
Consumer complaint received 2024-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (WA)

I closed my insurance and don't owe anything but i have a collection on my report from my insurance company. The company has not sent me proof that i owe the amount. Progressive says I'm paid. Please help me to get it removed from my credit report as i don ; t owe it.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (IL)

one main financial shows hard inquires on credit report that are not authorized. these are the dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX