davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

They start to call about every six months or so, and when I ask for details about their location, they refuse to give it to me. I have not received documentation regarding the debt and they continue to tell me that they are sending it and that I'm not responding. When I ask for their address so that I can send them a cease and desist letter, they refuse and tell me that they are not collections. They tell me they are with " In House Processing '', but say that they are not the original debt holder. They have my SSN, DOB and address, and it makes me very uncomfortable that they have this, but yet I do not know who they are or where they are located. 

This morning was the most recent contact ( XX/XX/XXXX @ XXXX MT ). When I called them back, they verified who I was, and indicated that they could settle a debt with them from ACE Cash Express. When I asked them for documentation of the debt, they asked to verify my address, the address that they have for me is incorrect. When I asked for their name and business address, they stated that I was harassing them and hung-up on me. I called back to try and get more information and they stated the debt was from XXXX, that it was for {$1800.00}, and that they could settle for 33 %. They indicated that I was going to be served with court documents for a civil proceeding in XXXX County Court. When I asked them for their attorney 's name they were suing me with, they refused and hung-up again. The third time I called them back, they immediately stated that I was harassing them and that they would count me " served ''. 

The fact that people in an unknown state, business, etc. have my personal information ( SSN / DOB / Employer ), but they will not tell me who they are, where they are is very concerning. The fact that they have repeatedly stopped calling me for months at a time and then pick back up later leads me to believe that they are hoping one day I will have a lapse in judgment out of fear and give them a credit card for payment on a debt that I'm not aware of!

Also, my husband and I filed for bankruptcy in Colorado approximately 5yrs ago and included any an all debt. If I did owe this company money and was aware of an outstanding debt, then I would have included them.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

On XXXX I received alerts to my phone that my credit had been ran, and it was also ran without my permission. The dealer is a scam. The inquiries that were added to my account were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-14
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. (CA)

I will not tolerate your dismissal of my identity theft claim as an error or misrepresentation. Who gave you the authority to determine what constitutes a material fact? You are not a judge, a jury, or in any position to make such judgments! You have absolutely no right. 

The Federal Trade Commission ( FTC ) explicitly states that when you receive an FTC identity theft report filed with a law enforcement agency ( which is the FTC itself ), you are obligated to comply with the law. 

Consider this your final opportunity to handle my identity theft claim appropriately, or I will pursue legal action in a courtroom. You will be held accountable for the damage caused to my reputation, credit, and emotional well-being. The negligence concerning material facts will be evident, and you will be required to compensate me for your recklessness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Thank you for addressing the errors previously identified in my credit report. However, I am not completely satisfied that you have adhered fully to the requirements of the Fair Credit Reporting Act during your review. It appears that certain accounts still require appropriate action to ensure the highest level of accuracy on my credit file. Consequently, I request a re-investigation of the items listed below : XXXX XXXX XXXX Balance : {$1100.00} & XXXX XXXX XXXX Balance : {$35000.00}. Should your re-investigation fail to verify the accuracy of the disputed account information that I believe is incorrect, I request that these records be updated immediately. Additionally, I would appreciate it if you could provide a detailed explanation of the methodology employed in verifying the accuracy and completeness of the information, to the address provided above.
Consumer complaint received 2024-05-14
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. (NJ)

According to my research about FCRA 605, 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
Consumer complaint received 2023-04-21
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. (AZ)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (TX)

My target account is number is XXXX. A Debt consolidation payment was sent to target on XX/XX/2023 in the amount of {$410.00}. My name was in the memo line. The check has already cleared. It cleared on XX/XX/2023 and target has not applied the payment to my account yet. I called them and I opened up a case telling them the check number and they closed my case and still have not posted the payment to my account. I called and spoke to a manager and asked if it was possible for them to run a report to find the check in their system and he said yes it was but for some reason that was not enough to resolve this issue and have the payment posted to my account..
Consumer complaint received 2024-07-03
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. (GA)

Experian is reporting several name and addresses that are not mine. I do not know how this information was reported when I have never lived at these addresses and you have purposely misspelled my name. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : 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 XXXXXXXX I have never lived at any of these addresses and I do believe your incorrect reporting is costing me thousands in damages due to you not reporting correct information. 

Remove all these phone numbers they do not belong to me and the employers. 

This information is costing me thousands.
Consumer complaint received 2024-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-05-09
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: EQUIFAX, INC. (GA)

I have been disputing this negative item that is not 100 % correct on my credit report for some time now. Equifax is disregarding my dispute and continues to report the item in violation. This is unfair to me as a consumer.
Consumer complaint received 2024-07-11
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. (NJ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: MARINER FINANCE, LLC (PA)

XXXX I Called Mariner Finance To Lower Payments I also asked for a settlement theyve denied me both theyre saying I owe XXXX but I only owe XXXX it shows on my credit history that I only owe XXXX theyve charged the loan off as bad credit but theyre still sending late payments to my credit report theyve been very disrespectful to me settling this loan out I really want to pay it so it gets off my credit they send late payment every month Ive called The XXXX XXXX XXXX and XXXX they will not work with me at all on resolving this they keep making my account balance go up with the late payments every month which is making my credit score go down every month they will not help me regarding this loan
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the XXXX document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2024-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-05-14
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. (NJ)

According to my research about FCRA 605, 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-14
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. (CA)

The bankruptcy currently reflected on my credit report is inaccurately represented. The case indicated as valid and accurate is, in fact, erroneous. There has been no trial or judgment associated with this case. Without a judgment, there can be no valid case. 
It is imperative that you promptly remove this account from my credit file. The bankruptcy XXXX  XXXX case number XXXX should be deleted immediately as it is fraudulent. 

Failure to rectify this situation and continue reporting inaccurate information will compel me to pursue legal action. I have consulted with my attorney, and if the matter is not resolved within 30 days of this letter, legal action will be initiated.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$530.00} XXXX  XXXX Balance Owed : {$390.00} XXXX  XXXX Balance Owed : XXXX
Consumer complaint received 2024-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I sent midland credit management a 609 debt verification letter in XX/XX/XXXX of this year 2024. Theyre claiming on my credit report that I owe them {$44.00}. Their response to my letter was a warrant for satisfaction for judgement on XX/XX/year> I received no debt verification or assignment of debt. They refused to provide any documentation on the assignment of debt.
Consumer complaint received 2024-06-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Global Lending Services LLC (CA)

I purchased a car in XXXX XXXX XXXX XXXX XXXX XXXX XXXX The loan, with Global Lending Services, matured in XX/XX/XXXX. I was notified prior to maturity that I would have a balloon payment of roughly {$5000.00}. I told them there was no way I could come up with the said figure. I was told that as long as I continued to make the monthly payments at the regular amount minimum of {$360.00}, I would be fine and the loan would " continue '' until paid off. Global Lending Services reported my loan 30 days late every single month, even with continued payments. The car was in an accident and declared a total loss by XXXX XXXX XXXX XXXX XXXX sent loss payee documents and a check made payable for {$3600.00} to Global Lending Services on XX/XX/XXXXXXXX XXXXXXXX shows the check was negotiated on XX/XX/XXXX. Global Lending Services is continuing to call, they have emailed me and told me that the process should take 70 days and that I am still responsible for making payments to the vehicle and that I will continue to, and have been reported late AGAIN. This feels predatory to me, not to mention, there has been no discussion of how my payments will be reimbursed or whether or not the car will continue to accrue interest when I have already signed over the car and it's been declared a total loss. They have already received and negotiated payment from the insurance company. The draft number of the check and the negotiation date have been provided to them. They just fail to post the amount to my loan which delays my ability to purchase a new vehicle.
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

A Debt collection received in the mail from Midland Funding llc on XX/XX/year> for {$3400.00} For XXXX in which I never have account with before. 

Thank you!