davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I am writing to bring to your attention a serious matter regarding inaccurate reporting on my consumer file maintained by Lexis Nexis Risk Solutions. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, it has come to my attention that Lexis Nexis has reported a bankruptcy on my consumer report, which does not exist according to the written letter provided by Lexis Nexis confirming the absence of such information. 

On [ XX/XX/2022 ], I received a written letter from Lexis Nexis confirming that there is no record of bankruptcy on my consumer report. This communication directly contradicts the information that has been reported electronically through the E-OSCAR system to the credit reporting agencies. As per the FCRA, inaccurate information must not be reported to credit reporting agencies, and it is imperative that any discrepancies are rectified promptly.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NJ)

I purchased my new vehicle on XX/XX/XXXX and my policy went up considerably. I decided to cancel my coverage I found another carrier to cover my policies and it was exponentially cheaper. I contacted XXXX XXXX to cancel my policy on XX/XX/XXXX. I was originally told that I had owed for the month of XXXX and XXXX. I contacted the XXXX  to dispute that I owed any past due payments because if I did my policy would have been cancelled due to lapse in coverage. Through the dispute with the XXXX  I was told I would still owe a balance of {$260.00}. I have not missed a payment since XXXX. The issue is the greed of this company I was told the premium would go up but the payments would be spread over the duration of the policy 6 months or more. NOW the company is trying to collect full payment for a vehicle that was insured for XXXX weeks. It is grossly unfair, and it should have been prorated to make matters worse they have reported the account to collections further marring my credit.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

Experian did not send me the proof of verification I requested on several inaccurate and erroneous accounts that are being reported on my credit. I feel as though they are refusing to help me with issues I am having with specific creditors and collection agencies. I have sent them XXXX letters and request to no avail. I feel as though I am being discriminated against and would like to have them investigated.
Consumer complaint received 2024-04-11
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: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-11-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (KY)

Hello. I have a doctor 's visit at XXXX XXXX on XX/XX/2023 ( this year ) at XXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXX. I had something weird on my lips and around them. I never got a real doctor to see me. It was a nurse, and she gave me the very, very wrong diagnosis and assured me it was XXXX. She prescribed me very strong medicine for that and 100 % didn't do anything I just kept getting worst it was super painful.. Then I went to my dermatologist ( a really great, well-known doctor in the best hospital in XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX de XXXX. And the doctor said it was not XXXX at all, not even similar. So he gave me medicine for a dermatitis, which is what I had, and it solved the problem. But in the midtime, I was wrong diagnosed by this person in XXXX XXXX and taking very strong medicines that I didn't need. I was really upset I called them and told them, so the person that I spoke with on the customer service told me to send my doctor 's letter and prescription for the diagnosis I had, and I did. So he said not to worry about the payment, and then suddenly I was in collection. I want to sue them if necessary. I don't mind going to court and proving that they are giving very wrong diagnoses and medicine to people. So please help me and tell me what to do because I am not willing to affect my good credit, and I am not willing to pay for this terrible medical mistake they made with me.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX/XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX Account Name : XXXX/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed a XXXX XXXX  bankruptcy on my credit due to information being inaccurate. They said it was verified but never sent me any of the courts documents to show me it was verified.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balanced Owed : {$23000.00}
Consumer complaint received 2022-12-12
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (FL)

I recently send this debt on my credit report from this company, stating I owe {$710.00}. I did contact them in regards to this issue spoke with a gentlemen and I advised him that I did not take out a payday loan inXX/XX/2013. Advised rep if a payday loan was taken out inXX/XX/2013 then why 5 years later I am being notified of this issue on my credit report. The representative became very rude and told me I owe this money and need to pay. I ask him how can they verify it was my loan, rep then stated it was verify by e-mail and a bank account that was closed due to fraud. I did ask them to send me something in writing that's valid I took this loan out, the representative refuse and told me to dispute it with XXXX and XXXX. Advised him I will then he stated even if I do he will verify it was me so I have to pay something that doesn't belong to me. This company is a third party collections agency trying to collect money that isn't owe. He stated he was taken out online which anyone can do. They are very rude and disrespectful representative. I am a single mom who doesn't deserve this. There is no factual proof that I took out this loan and they couldn't provide any. The representative also advised they will take me to jail if I didn't pay. This is against Fair regulation Act. I never took out a loan and there is no solid proof, the bank account they're referring to was close for fraud which I told the representative that.
Consumer complaint received 2023-04-06
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)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

Accounts showing charge off but I have received a1099cs so that means it should not be reporting on my report as a charge off if one has to claim it as personal income on ones taxes the account is also over 7 years old.Experian is the worst agency ever placing things on my account that are not authorized like fraud alerts if it is not removed immediately the next step would be litigation the gaps in reporting on payment data just shows a dash their reporting practices and methods are very unprofessional nothing ever gets resolved contacting them so the complaint will not only go to cfpb also the attorney general and tigta as well.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My student loans with XXXX were discharged ( paid in full ) on XX/XX/XXXX. XXXX, a XXXX at XXXX informed me that the credit bureau would update all ( 3 ) credit bureaus in XX/XX/XXXX. They also provided written documentation regarding the status of the loans for record-keeping purposes. Upon reviewing my Transunion credit report, the debt was not updated and continues to reflect a balance. I contacted Transunion and shared that my loans were discharged and requested to have the account updated and was instructed to open a dispute as well as provide any supporting documentation. I have spoken to several CSR at Transunion and requested multiple times to have this account updated as well as provided discharged notice that reflects the account has a {$0.00} balance. Upon return of the dispute, Transunion did not update the account to reflect a $ o balance and paid in full, rather the dispute returned with the following comment account has been reported correctly Following, I contacted Transunion again and was informed that they use a system to obtain information regarding accounts and that they do not contact the creditor directly to verify the supporting documentation that was provided. Each time I contact Transunion, I am either transferred to another department or instructed to open a dispute. This is rather frustrating since I have attempted several times to get the account updated. Each time a dispute is open, it takes at least 30 days to receive an update which in this case no update to my credit report has been made. The delay in updating my credit bureau reports continue to impact my financial status and continues to report negatively.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (UT)

To whom it may concern, I recently pulled my reports after you verified the account XXXX XXXX XXXX XXXX XXXX as accurate and noticed you are still reporting inaccurate information. The " date of last payment '' is reporting as XX/XX/XXXX for Equifax, XX/XX/XXXX for XXXX, and XX/XX/XXXX for XXXX. This date would change the statue of limitations for this account which would mean the account would come off at different times. Since information is not accurate, this means the account has not been properly verified. Please delete this account immediately
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

Received a notice that I owed XXXX that was owed XXXX and today with XXXX XXXX XXXX 
I do not have any accounts with that company. 
I called on XX/XX/2023 to informed them that was not my debt. I was informed that the last four digits on SS number was not a match. So assumed it was either sent to the wrong person or someone is using my identity. 
I mailed a reply XX/XX/2023. 
Today I received another notice stating the same as the first one about an outstanding debt. I called again and was informed that XXXX XXXX XXXX  was still investigating.
Consumer complaint received 2023-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Since XXXX, 2022 I have sent to MIDLAND CREDIT MANAGEMENT , INC a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to prove that this account is mine. As per the DFCPA, MIDLAND CREDIT MANAGEMENT must prove that this acct is mine showing any existing contract or application signed by me with my social security number.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I XXXX XXXX noticed so fraud accounts and authorized inquiries on my credit reports. 

Accounts XXXX. XXXX XXXX {$700.00} XXXX. XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX {$890.00} XXXX. XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX {$7000.00}
Consumer complaint received 2023-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (VT)

I have received VMs in the past year about this debt that I reportedly have with XXXX XXXX XXXX XXXX. I assumed it was a scam and did not respond. Today ( XX/XX/XXXX ) I opened a letter from RMS ( The Receivable Management Services LLC in XXXX, MN ). RMXXXX is using my correct name and my correct XXXX  account number, stating that they are a debt collection company and XXXX XXXX XXXX XXXX has contracted with them to collect {$3800.00} that I owe. ( Not true. My XXXX account balance is XXXX  ). They instruct to call XXXX to make a payment, or to access my account online, including payment options, to please visit XXXX I have not called the number nor logged onto any account because I am 100 % certain that this debt is not mine. However, it makes me SO angry that some poor person out there might actually get duped by these people, so Im reporting it to you. 

The have a customer support number : ( XXXX ) XXXX ( XXXXXXXX XXXX  XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They also list XXXX as a place to go for help. 

They have two addresses on the letter : return mail only- XXXX XXXX  XXXX, XXXX , MI XXXX ; support : XXXX XXXX XXXX, XXXX, MN XXXX. 

Please let me know if you need anything else from me. 

Thank you! 

XXXX
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings (CA)

Zion debt holdings informed me that they purchased an old account from XXXX that was opened by a roommate/tenant of mine back in XXXX. 
I previously spoke with XXXX XXXX  in XXXX  and explained that I had not opened this account for a home alarm system, and was assured that the problem was taken care of. 
Before ever contacting me Zion holdings proceeded to put this on my credit report, ruining my score and causing my credit to be damaged severely. 
I disputed this with the credit bureau, letting them know that this fraudulent debt was not mine and was over 15 yrs old. 
I recently received a text from Ziondebtholdings saying, theyve purchased this account from XXXX and would be willing to settle the balance owed from {$910.00} for {$690.00} if paid by XX/XX/XXXX with full deletion from the credit bureaus.They also included an account # XXXX. 
I was never notified before they reported to the credit bureaus.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I would like to get a full validation of this account the XXXX XXXX including a the original signed contract with my signature if they can not verify this account according to the FCRA laws I would like this account to be remove immediately XXXX # XXXX
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX I applied for a auto loan at Bank Of America for a XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX for amount of {$95000.00} I was going to finance that car I established to them I was doing a consumer credit transaction extending credit to myself of the unlimited credit I have and that I was aware that Im the original creditor. I established with them that by law they had to approve me automatically for that transaction since I was giving them my information and my Social Security Number. On XX/XX/XXXX I received a letter from them they said they denied me for that loan because they were unable to extend me credit the reasons was because I had limited credit experience, delinquent past or present credit obligations with others and length of employment and etc.I established with them that those were a factor I stated 15 U.S. Code 1611 they were Advertising and Relaying false information, they misleading denial of my own credit Im extending credit to my self and 15 U.S. Code 1611- My entire Consumer Transaction is Predicated on My Unlimited credit