davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

I have a unverified account from XXXX XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX XXXX Cease and Desist all further communications.XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Consumer complaint received 2024-03-01
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. (CA)

XXXX XXXX XXXX Account starting number XXXX opened XX/XX/XXXX, XXXX account starting numbers XXXX opened XX/XX/XXXX, XXXX XXXX  account starting numbers XXXX opened XX/XX/XXXX, XXXX account starting numbers XXXX opened XX/XX/XXXX XXXX XXXX  account starting numbers XXXX opened XX/XX/XXXX, XXXX XXXX XXXX Account starting numbers XXXX opened XX/XX/XXXX. All this account XXXX not mine it is opend by somebody who stole my identity and used to get cards and loans. XXXX XXXX account starting numbers XXXX opened XX/XX/XXXX XXXX XXXX account starting numbers XXXX opened XX/XX/XXXX XXXX XXXX XXXX account starting numbers XXXX opened XX/XX/XXXX XXXX XXXX XXXX account starting numbers XXXX opened XX/XX/XXXX I dont have contract with this Agencies they did not provide me with original contract as i requested. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNTS ABOVE THAT I MENTION HAS VIOLATED MY RIGHT 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 ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-08-11
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. (MA)

This is my FURTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/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 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

My credit report shows a hard inquiry via XXXX XXXX on XXXX XXXX, 2017. This will be the second time that credit card accounts have been attempted to be created in my name. even after contacting XXXX XXXX several times over the course of a couple of years, they have been no help. XXXX XXXX told me that it is not their problem and that I should contact all of the credit bureaus to fix their mistake. I then called Transunion only to be told that I needed to contact XXXX XXXX for them to fix the issue. I have never once done any business with XXXX XXXX in my life. I need some sort of assistance to get this inquiry off of my credit score.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the listed accounts below : Account name : XXXX # XXXX
Consumer complaint received 2023-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zakheim Law Group, P.A. (FL)

Total amount owed is of {$4400.00} from XX/XX/2021. My identity was stolen back then and I did notify the bank about it and nothing was done. My debt was sold to a company. which I do not have a contract with and I am not familiar with the amount they are charging. I have no information on this charges and why this is still showing in my credit report when I notified the bank long time ago about this.
Consumer complaint received 2023-08-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: 2233 Paradise Road LLC (TX)

Hello, I am requesting that I be provided a full refund from this company known as Cash Factory USA regarding the funds that were taken from my XXXX XXXX XXXX account. I am requesting a full refund for the amount of {$1400.00} that total the funds that this company stole from me. I provided a bank statement from XX/XX/2023 that shows no funds or goods were received from this company. The only department I am able to get in contact with is their Compliance team that can only communicate through email. I have been trying to get this issue resolved since XX/XX/2023. The only resolution I will accept is being issued a full refund for the amount above as I am now having to resort to reaching out to XXXX agencies to assist me with getting this matter resolved. 

Thank you, XXXX XXXX
Consumer complaint received 2024-03-01
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)

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 Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXI Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX and 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 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions 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 2023-05-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: GOLDMAN SACHS BANK USA (TX)

File a personal loan to XXXX XXXX to consolidate 3 personal loan to a one single loan having low interest. I was approved {$36000.00}. 

I requested to pay off 3 personal loan company to pay off but the First Company Marcus Goldman Sachs did not received the payments amounting {$13000.00}. I still owe them full amount of my existing loan. 

When I call XXXX XXXX they told me they sent the Check # XXXX dated XXXX XXXX through XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX NJ XXXX and it was cashed XX/XX/2023 with the endorsement at the back of the check. I verify XXXX XXXX for Marcus Goldman Sachs and pay off and address and it was all correct. Even the account number i file to them is correct.
Consumer complaint received 2024-03-01
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. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Several inquires on my TransUnion credit report for auto loans. 

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 2023-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (MD)

I filed a complaint two times. The first time IQ Data International stated that is going to send the proof of debt. I did not receive this information. After waiting and no response from IQ Data International. I sent a certified letter. After a couple of weeks, IQ Data International returned my certified letter unopened as a certified letter ( attached ). This item has been on my report for over one year and I have been unsuccessful in getting this issue resolved. The three credit bureaus reporting agencies continues to report even after my dispute of not having the ability of verifying the debt. This defaming information is unverifiable. 
The one of the two CFPB complaints were closed automatically. The reference numbers are XXXX and XXXX.
Consumer complaint received 2023-02-28
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. (DE)

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 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 2024-03-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX XXXX is reporting information on my profile and its violating my rights 12 CFR 1006.34 ( d ), and 15 USC 1681- s2 ( 7 ) ( a ).

Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), it is mandated that financial institutions must promptly remove inaccurate incomplete fraudulent account ifrom consumer reports.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One XXXX, XXXX .... 
The basis for my dispute is ALLEGED balance of - was required to notify me prior to X/XX/2015, or no later than 30 days after Capital Onefailed to notify me about reporting derogatory info. to XXXX, and In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 
Also, Capital One '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Capital One failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve Capital One is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX reh.den. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXXDallas XXXX writ dism 'd w.o.j. )
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

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 XXXX # : XXXX, Account name : DEPT OF EDUCATION/XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX Account name : XXXX XXXX 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 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 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've reached out for company 's help several times I've asked for proof of Debt and haven't received anything. 
XX/XX/2022 XX/XX/2022 2022
Consumer complaint received 2017-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

I called on XXXX XXXX, 2017 to inquire about switching to an income based repayment program with a lower monthly payments. I was told to submit my application, that the following month ( XX/XX/XXXX, payment due XX/XX/XXXX ) I would be unenrolled from current repayment plan and have a one time {$5.00} payment. That this one month would not count towards my 120 payments for PSLF, but that the new repayment plane would take affect in XX/XX/XXXX ( due XX/XX/XXXX ). I called XX/XX/XXXX to inquire about the status, as my payment would bill XX/XX/XXXX, and was told my app was flagged for a 15 day manual review, but that I should ignore the initial bill and would still pay the one time {$5.00} payment on XX/XX/XXXX. I called on XX/XX/XXXX to follow up and was now told that the {$5.00} payment would not be until following moth and that my bill was still {$420.00}. I asked to speak to a supervisor and was told my request had not been processed, that I did not have to make the {$420.00} payment due XX/XX/XXXX, but that neither the XX/XX/XXXX payment, nor the {$5.00} payment that would now be due on XX/XX/XXXX would count toward my PSLF. 

The supervisor I spoke to today, XX/XX/XXXX, is XXXX, XXXX. 
This company is not informing federal loan borrowers properly about their repayment options, or the process for switching payments. They have caused an unnecessary delay and issue with my account.
Consumer complaint received 2023-02-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts are not accurate and should be removed : XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXX XXXX late payment account XXXX XXXX  ( Original Creditor : XXXX ) XXXX collection account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX charge off account I believe that these accounts were reported inaccurately and are damaging my credit score. I have attached supporting documents that show these accounts are not accurate, and I request that you investigate and correct these errors immediately. 

I also request that you provide me with written confirmation of the changes made to my credit report, in accordance with the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-10
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: Resurgent Capital Services L.P. (OH)

XXXX XXXX is a debt buyer.I have been fighting them for about 2 years.The account is over 6 years old They are in violations of rules and regulations that protect my rights.They re-aged a debt and not using the date of last payment from original creditor. Nor have they sent me validation. XXXX keeps allowing it.They have not validated any dates from original debt owner .Just the dates THEY " LVNV '' took ownership.The account has hit the 7 year mark of original debt owner.They are not in compliance and I have disputed with the credit bureau 's several times.This account needs to be removed for invalid dates and practices by LVNV.If not resolved my next step is a lawsuit for illegal practices.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I, XXXX XXXX XXXX XXXX of XXXX, have been impacted by the XXXX  Data Breach ; as a result, I have been a victim of identity theft. After reviewing my credit report, I noticed several inquiries that are not mine, and I have no knowledge of these inquires. I have no account with the companies listed. I have provided my FTC report for accuracy ; please review.
Consumer complaint received 2023-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. (CO)

I bought XXXX and attempted to withdraw. The company allowed me to buy XXXX and then froze the bitcoins when I attempted to withdraw. They requested documents and I sent them every document they requested. After I sent the documents, they have refused to respond. My XXXX has been frozen for almost 2 months now.