davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
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. (MD)

I am writing to file a formal complaint regarding unresolved fraudulent hard inquiries on my credit report. Despite following the appropriate steps to dispute these inaccuracies, the credit reporting agency has failed to remove them, which has caused significant distress and potential harm to my financial standing. 

On XX/XX/XXXX, I discovered several unauthorized hard inquiries on my credit report, which I believe are the result of identity theft. These inquiries include : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Immediately upon noticing these discrepancies, I took the following actions : 1. **Filed an Identity Theft Report : ** I reported the identity theft to the Federal Trade Commission ( FTC ) and obtained an Identity Theft Affidavit ( FTC Reference Number : XXXX ). 
2. **Contacted the Credit Reporting Agencies : ** I contacted Experian and XXXX via US Mail 3. **Requested Investigation and Removal : ** In my communication, I requested an immediate investigation into the fraudulent inquiries and their subsequent removal from my credit report. 

Despite these efforts, I never received a response from Experian or XXXX. This lack of response is unacceptable, as it fails to acknowledge the evidence provided and does not address the serious nature of identity theft. 

The presence of these fraudulent inquiries on my credit report has negatively impacted my credit score, and by extension, my ability to secure necessary financial services. As a consumer, I have the right to accurate credit reporting, and it is the responsibility of the credit reporting agencies to ensure that fraudulent activities are thoroughly investigated and rectified. 

I request that the Consumer Financial Protection Bureau intervene in this matter to ensure that Experian and XXXX conducts a proper investigation and removes the unauthorized hard inquiries from my credit report. Attached, please find a copy of the FTC Identity Theft Affidavit. 

Thank you for your attention to this serious matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX **Attachment : ** 1. FTC Identity Theft Affidavit
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2018-03-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I'm 9 days late on my auto loan payment who I have through Huntington Bank. Today I received a call from them on my cell phone, which i sent to voice mail because I'm currently in my office at work. Immediately after that I receive a call on my office line from Huntington Bank. 
Here 's the issues : 1. I told them when I gave them my office number that it was not to be contacted at any point in time as it violates company policy. 
2. The representative, XXXX made several false statements during the call on my office line : She state that multiple voicemails have been left on my mobile number - not one voicemail has been left She stated that she was allowed to contact me at work to collect the debt - false that violates the FTC regulations She stated that multiple emails were sent - again false because I have not received any She stated that notices were sent - again false I have not receive any communication. 

I'm only 9 days late - so there wouldn't be this amount of communications she is therefore lying which is against the FDCPA. 

When I informed her of the FTC regulations and the violations that she was doing she started to argue and ask me about my payment history, my finances, all of this on a line that they were not to contact me at about personal matters!!! - which is abusive towards me the consumer
Consumer complaint received 2024-05-22
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: Experian Information Solutions Inc. (CA)

There was a hard inquiry on my account that was made XX/XX/2024. I did not request this. I am currently in the process of buying a home so there is no reason for me to risk my credit score during this process. I reached out to XXXX but got no answer in regards to this inquiry. there are no notes nor details on what the inquiry was for. They only advised me to contact the credit bureau for more information. After connecting with them, they also do not know the reason nor notes on the inquiry and advised me to contact the creditor, which I have made numerous attempts to figure out the reason and notes on the inquiry.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TN)

I paid in full Midland credit XXXX account garnishment on XX/XX/XXXX and they continue to garnish my wages. I have called and spoken with numerous people and I have been told an email has been sent requesting a stop of garnishment. I have also been told by the XXXX XXXX TN XXXX clerk that no release has been sent.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-14
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. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-21
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-10
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I seen these accounts and believe they are a result of identity theft ; XXXX XXXX acct # XXXX XXXX XXXX XXXX {$430.00}, XXXX XXXX, XXXX {$390.00} XXXX, XXXX XXXX XXXX, XXXX {$740.00} XXXX XXXX XXXX {$13000.00} Inquiries XXXX  XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) its also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ). XXXX, XXXX, AND EXPERIAN ARE REPORTING INACCURATE INFORMATION!!!
Consumer complaint received 2024-05-21
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-21
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. (FL)

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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. (GA)

I AM NOT RESPONSIBLE FOR THE DEBT ASSOCIATED WITH THE ORIGINAL CREDITOR XXXX XXXX XXXX I DO NOT HAVE A CONTRACT WITH RELIANT XXXX XXXX XXXX, AND WHEN I REQUESTED THE ORIGINAL CONTRACT, THEY FAILED TO PROVIDE IT.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (VA)

An incorrect collection is on my credit report. I do not owe this company. I have asked for proof that I have ownership to this debt but failed to give me this information. 
XXXX XXXX XXXX XX/XX/XXXX Credence Resource XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MI)

I am writing to file a formal complaint against National Credit Systems , Inc, located at XXXX XXXXXXXX XXXX, for attempting to collect a charge of {$XXXX} that is unfounded. 

The background of my situation is as follows : I was a resident at XXXX XXXX at XXXX XXXX, and I have been accused of having two unauthorized persons stay in my apartment. According to the lease agreement, residents are required to register guests staying for more than one day and may not have guests for more than two consecutive days without the landlord 's written consent. I have adhered to these terms and have not had guests stay beyond the permitted time. 

Despite this, the apartment management has alleged that I violated these terms and referred the matter to Natinal Credit Systems, who is now attempting to collect a {$XXXX charge. This charge is not supported by any evidence, and I have not been provided with any documentation or proof to substantiate the claim. 

I respectfully request that your office investigate this matter and take appropriate action to ensure that Natinal Credit Systems ceases all collection activities related to this unfounded charge. I also request that measures be taken to prevent similar situations from occurring to other consumers in the future. 

Attached are copies of my correspondence with the debt collector and any related documentation for your reference. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Hey, On XXXX XXXX at XXXX I transferred the amount of {$570.00} on XXXX XXXX  app from an invoice a client sent me to my bank which is XXXX XXXX XXXXXXXX but for some reason this money was sent to the Navy Federal Credit Union Bank which I never event had an account with them before and I cant seem to be able to resolve this issue with none of the parties. Navy wont give me any information since I dont have an account with them and the squarespace support team thinks I do have an account with Navy which is not true.. How come can I connect I bank I dont have?? Still looking to receive my money.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Skrill USA, Inc. (MS)

There is a company that shows up on my credit report nine times. XXXXXXXX XXXX XXXXXXXX alleges that I owe paysafe {$150000.00}. I have received 35 letters stuffed in my mailbox from XXXXXXXX XXXX XXXX, a law firm claiming to handle accounts for Paysafe. I have never had an account with paysafe. I also don't understand why I would be receiving letters from XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX but have another law firm show up on my credit report. I called paysafe and they stated that they do not have an account for me. This has affected my credit report tremendously in a very negative way. I really need help with this.
Consumer complaint received 2024-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (UT)

On XX/XX/year> I made a payment of {$7500.00} to Mohela. They transferred our loan do a different portal system and our payment is not reflected in the current balance. I called on XX/XX/year> to see if they received our payment and they said they did confirm they received the funds, but it would take 30 business days ( Until XX/XX/XXXX ). For the payment to be posted on our account. We want to pay the remaining balance of our loan off before then ( planning to pay the balance off completely by the first week of XXXX ), but will not be able to until the payment we paid them on XX/XX/year> shows as reflected in our account. 

It is unreasonable that we made a payment over 2 weeks ago and it is not being reflected on our account. This is causing us to be unable to pay off the total balance of our student loans resulting in increased interest and fees for having to keep the loan balance active longer. 

We requested that they expedite the posting of the payment to our account and they refused, stating 30 business days is standard.

We were not notified of the exact date the system transfer would begin. We were never notified that payments that were made a couple of days before this transfer period would take 30 business days to be posted to our account. Had we been given clear communication, we would have waited to make the {$7500.00} payment after the system transfer was completed to have it posted in a reasonable timeframe ( the standard 3-5 days regulation Z requires ). It is unreasonable for us to have made a payment 2 weeks ago and have to wait another month for us to see it posted to our account.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (FL)

They will not allow me to speak with them. I identify the information on the notice i received in the mail. When they acknowledge it is me on the phone and then ask me for my DOB and SSID which i do not need to disclose to these people. I never signed a contract with this company and I do not know who they are. 


While working with XXXX and XXXXXXXX XXXX. I was unable to resolve major issues like my card being fraudulently charged and my account actually being compromised. 

I have no used their services since I was compromised. XXXX refused to speak with my along with XXXX who referred me back to XXXX. 

I am being scammed by these two companies.

If I CALL THEIR NUMBER IM REQUIRED TO SHARE THIS ALARMING INFORMATION Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.
Consumer complaint received 2024-05-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I lived at the address XXXX XXXX XXXX XXXX, Florida XXXX with my parents from XX/XX/XXXX until XXXX of XXXX. I was in high school from XX/XX/XXXX until XXXX XXXXf XXXX, During the time that they claimed I was living in XXXX XXXX. When I graduated high school I moved into my very own and first apartment in XXXX of XXXX at the address XXXX XXXX XXXX, XXXX, Fl XXXX. I have a lease agreement and a copy of my light bill for proof of residence at this address. I also have a copy of my high school diploma from XXXX XXXX XXXX. I never lived at the address XXXX XXXX XXXX, XXXX XXXX Florida. Please do a proper investigation and remove this inaccurate and fraudulent collection from my credit report effective immediately. 
There are also bank statements as proof that I never made any rental payments to this address, except to my Landlord XXXX XXXX at the address XXXX XXXX XXXX, XXXX, Fl XXXX. Please match the documents and do a thorough investigation. Provided below is also a police report.