davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Experian, XXXX, and XXXX  have not complied in deleting accounts from my credit reports that DO NOT belong to me. I have disputed the inaccurate information with XXXX XXXX XXXX XXXX the collection agency ) on my credit reports and after several ignored attempts on their behalf to remove this inaccurate information I felt the need to reach out to CFPB as a final recourse before taking legal action. I really don't have extra money to waste for litigation but I will have to proceed if this doesn't get taken care of. I reached out to XXXX XXXX XXXX after they contacted me about 3 accounts that they claimed belonged to me. I informed them that I those were not my accounts and and disputed them and they sent me a letter saying the accounts had been validated. I knew this was a mistake and a thorough investigation had not been done because these accounts don't belong to me. I reached out to them in XXXX of XXXX and also in XXXX of XXXX requesting information as to how they " validated '' the debt. I asked them for the names of the original creditors, the account number, the amount owed, details regarding the age/amount of the debt, copy of the last billing statement from the original creditor, and any signatures of mine on any of the documents. I know they have 30 days to respond but each time I sent them the letter asking for validation info they ignored or didnt respond and I waited 60 days to send another letter and that letter never got a response either. I reached out to all 3 credit Bureaus XX/XX/XXXX explaining what happened and they still have not removed these accounts from my credit reports. The collection agency failed to send proof of the debt but yet the credit bureaus aren't doing their due diligence in removing this inaccurate info. 
Accounts that need to be removed : XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct XXXX, and XXXX XXXX XXXX Acct XXXX
Consumer complaint received 2021-03-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, Transunion, and XX/XX/XXXX have not complied in deleting accounts from my credit reports that DO NOT belong to me. I have disputed the inaccurate information with XXXX XXXX XXXX XXXX the collection agency ) on my credit reports and after several ignored attempts on their behalf to remove this inaccurate information I felt the need to reach out to CFPB as a final recourse before taking legal action. I really don't have extra money to waste for litigation but I will have to proceed if this doesn't get taken care of. I reached out to XXXX XXXX XXXX after they contacted me about 3 accounts that they claimed belonged to me. I informed them that I those were not my accounts and and disputed them and they sent me a letter saying the accounts had been validated. I knew this was a mistake and a thorough investigation had not been done because these accounts don't belong to me. I reached out to them in XXXX of XXXX and also in XXXX of XXXX requesting information as to how they " validated '' the debt. I asked them for the names of the original creditors, the account number, the amount owed, details regarding the age/amount of the debt, copy of the last billing statement from the original creditor, and any signatures of mine on any of the documents. I know they have 30 days to respond but each time I sent them the letter asking for validation info they ignored or didnt respond and I waited 60 days to send another letter and that letter never got a response either. I reached out to all 3 credit Bureaus XX/XX/XXXX explaining what happened and they still have not removed these accounts from my credit reports. The collection agency failed to send proof of the debt but yet the credit bureaus aren't doing their due diligence in removing this inaccurate info. 
Accounts that need to be removed : XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct XXXX, and XXXX XXXX XXXX Acct XXXX
Consumer complaint received 2022-06-02
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. (PA)

This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (KS)

We asked them to help us port a XXXX number over and create a family plan back in early XXXX of XXXX. They said we had to create another temporary line so they could then move an established sprint phone line to that number associated with the family line and merge. We were told middle that month, that they could not help us and wed have to call customer service. Countless hours later on hold, and they were not able to do anything. That was back in XXXX We moved to XXXX at the end of XXXX only to figure out two months later they left the second line open which I was charged for. They said they would cancel the account but I would have to pay for 1/2 the bill, even though there was zero data and usage on that line. I agreed to pay and ask for confirmation of closing. That was XX/XX/XXXX. Got another bill and called in on XX/XX/XXXX. They assured me they will cancel and to take my card on file off so I wouldnt be charged. I was told to give it 30 days to cycle through. On XX/XX/XXXX received another bill, now {$250.00} bill and they say they have no record of me asking to cancel. Received notice on XX/XX/XXXX they were sending this to a collections agency. I called and they still they can not send me confirmation of account closure. I called and waited another hour to speak with employee ID XXXX who said to wait another 3 weeks to see what the total amount charged will be so they know what to credit. For me to wait another 3 weeks is not an acceptable answer. They were going to transfer me to a manager and then they hung up. Wasted 1.5hrs of my day, total of around 4hrs speaking with XXXX and they can not give me any clear direction as to what is happening. The line should have been closed back in XXXX when I switched to XXXX. Then again on XX/XX/XXXX when I paid the last bill, but yet this continues.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

XXXX # XXXX, sent me an XXXX Application : On XX/XX/XXXX, My Physician and I filled out the application and sent it in. XX/XX/XXXX I received a response saying they were reviewing my application and XX/XX/XXXX they replied my physician did fill out the application. I have proof and the account is old.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

XXXX # XXXX, sent me an XXXX Application : On XX/XX/XXXX, My Physician and I filled out the application and sent it in. XX/XX/XXXX I received a response saying they were reviewing my application and XX/XX/XXXX they replied my physician did fill out the application. I have proof and the account is old.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX  # XXXX, sent me an XXXX Application : On XX/XX/XXXX, My Physician and I filled out the application and sent it in. XX/XX/XXXX I received a response saying they were reviewing my application and XX/XX/XXXX they replied my physician did fill out the application. I have proof and the account is old.
Consumer complaint received 2021-03-22
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. (CA)

XXXX is attempting to collect on an INVALID debt. 

I have received these documents from my insurance. I have scanned them and attached here. 

2 files from XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$17.00} and {$42.00}. They are highlighted in yellow. 

3rd file is an old statement sent to me by XXXX. If you look in that XXXX  file dollar amounts in yellow, they match with what my insurance paid to the XXXX XXXX XXXX XXXX XXXX. 

Actually, my insurance paid more than that if you read their 2 statements. 

So I don't owe them anything and I never did. 
It's all XXXX XXXX XXXXXXXX XXXX XXXX  ', XXXX  insurance company and credit collector XXXX XXXX fault. 

I have also attatched a screenshot of the tradeline from my credit reports.
Consumer complaint received 2021-03-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Lending Services LLC (MD)

Last XX/XX/2020 ... global lending services sent me a bill and it was for XXXX and something so I paid that thinking I had overpaid another month! They waited until the day after the 30th day to tell me I still had a balance of XXXX and something which I paid right away!!! I have begged them to take this off my credit since I have paid on time every other time. Please can you help me talk to them so this can be removed immediately thank you
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Car was bought from a used car lot XX/XX/XXXX. On XX/XX/XXXX the vehicle was involved in an accident, totaling it and appropriate insurance actions were taken on behalf on consumer ( GAP/PERSONAL ). The total loan amount remaining was {$3800.00} at this point. The loan agency ( CREDIT ACCEPTANCE ) and GAP provider ( XXXX XXXX ) kept going back and forth, saying the payment was being processed. Over the span of 4 years, interest has accumulated and the account in now in collections. Due to gross negligence on behalf of both companies this has hurt my credit as well as cause me an overwhelming amount of stress and inconvenience. These companies need to be held accountable and not get away with shorting the consumer.
Consumer complaint received 2022-12-29
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. (NY)

This to me is crazy. XXXX and Transunion have been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. I'd like the account removed/blocked per 605b with the attached documents again... IMMEDIATELY!!! 
XXXX XXXX Opened : XX/XX/2016 Balance : {$560.00}
Consumer complaint received 2021-03-22
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. (SC)

I AM LOOKING AT MY CREDIT REPORT AND I HAVE ALOT OF FRAUDULENT ACCOUNTS, ALONG WITH FRAUDULENT CLOSED ACCOUNTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF XXXX XXXX XXXXOR MY FAMILY AND ME. HOW CAN I PROGRESS IF THE CREDIT BUREAUS CONTINUE TO ALLOW FRAUD ACCOUNTS ON MY CREDIT REPORT. 
PLEASE REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT AND SEND UPDATED COPY OF MY CREDIT REPORT. 
XXXX XXXX XXXX # XXXX {$580.00} XXXX # XXXX {$9400.00} XXXX # XXXX {$470.00} XXXX {>= $1,000,000} XXXX XXXX # XXXX XXXXT # XXXX {$6400.00} XXXX XXXX  XXXX # XXXX AND XXXX XXXX BILLS THAT HAVE NO CREDITOR NAMES! 
THANK YOU!
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, money, that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX : {$31000.00} XXXX CARD XXXX : {$31000.00} XXXX XXXX XXXX : {$23000.00} XXXX XXXX : {$2800.00} XXXX XXXX : {$6600.00} XXXX XXXX : {$2500.00} XXXX XXXX : {$2900.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX : {$17000.00} XXXX XXXX : {$1700.00} XXXX XXXX XXXX : {$10000.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$11000.00}
Consumer complaint received 2021-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

The owner of the mortgage passed away. We have tried to work with SPS, we have submitted documents to them from the surrogate 's court. Every time we submit the documents to them, they always come back stating that they never received any documents or some other excuse, why we can not even get basic information on the loan. They will not give us any information or try to help us bring the loan current.
Consumer complaint received 2021-03-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Experian and the attorney general re negligently reporting and not reporting information that is causing significant impact to my financial well being. After a dispute they remove and only to report again the very next month. The inconsistency and negligence of their reporting to loose a credit card and now ability to secure financing to purchase land and build a home.
Consumer complaint received 2020-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Today XXXX of XX/XX/XXXX, I pulled up my credit score report. I saw one debt on my credit record that I do not recognized at all. Capital one opened on XX/XX/XXXX owed XXXX plus dollars. I am 100 % sure that I am not in XXXX XXXX. Nearly XX/XX/XXXX I started my job in XXXX XXXX. XX/XX/XXXX I was hangout with my friend her name is XXXX XXXX also in XXXX as well. How am I supposed to opened this accounts while I am not in the state. I have my SSN with me while I am in XXXX, and I have never lost it. So I am sure that my identity was stolen somehow. But not sure how. See the document below, I left the state on XXXX XXXX XXXX, I entered the state back in XX/XX/XXXX. 
In the attachment, there is a picture of capital one information.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, I received a text message stating that I had a low balance and a withdrawal was made of {$420.00}. I called the bank telling them it wasn't me then called back because my family needed that money for hardship in paying bills. I was denied due to the investigation they did which I know without a doubt it wasn't me or someone I know. My bank card was in my wallet. I woke up that morning to no money in the account. I have filed a police report as well hope whoever it was gets caught
Consumer complaint received 2021-03-22
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. (ID)

Transunion is reporting a hard inquiry on my credit report for XXXX XXXX  XX/XX/2019 I did not apply for anything through this bank The Bank has nothing with my information in their system therefore there is nothing for them to send me or transunion to support a hard inquiry. 

Transunion indicates that the Bank needs to request the removal of a hard inqury.The bank will not do this because they have NO information on me. 

Transunion will not allow me to dispute this.
Consumer complaint received 2021-03-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

XXXX, XXXX, and Equifax have not complied in deleting accounts from my credit reports that DO NOT belong to me. I have disputed the inaccurate information with XXXX XXXX XXXX ( the collection agency ) on my credit reports and after several ignored attempts on their behalf to remove this inaccurate information I felt the need to reach out to CFPB as a final recourse before taking legal action. I really don't have extra money to waste for litigation but I will have to proceed if this doesn't get taken care of. I reached out to XXXX XXXX XXXX after they contacted me about 3 accounts that they claimed belonged to me. I informed them that I those were not my accounts and and disputed them and they sent me a letter saying the accounts had been validated. I knew this was a mistake and a thorough investigation had not been done because these accounts don't belong to me. I reached out to them in XXXX of XXXX and also in XXXX of XXXX requesting information as to how they " validated '' the debt. I asked them for the names of the original creditors, the account number, the amount owed, details regarding the age/amount of the debt, copy of the last billing statement from the original creditor, and any signatures of mine on any of the documents. I know they have 30 days to respond but each time I sent them the letter asking for validation info they ignored or didnt respond and I waited 60 days to send another letter and that letter never got a response either. I reached out to all XXXX credit Bureaus XX/XX/XXXX explaining what happened and they still have not removed these accounts from my credit reports. The collection agency failed to send proof of the debt but yet the credit bureaus aren't doing their due diligence in removing this inaccurate info. 
Accounts that need to be removed : XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct XXXX, and XXXX XXXX XXXX Acct XXXX
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

I noticed unauthorized charges on the card and called the company, Barclay Card about the issue but it has not been resolved and the charges totalling approximately 6000.00 kept appearing until the card was cancelled. The companies named on the invoice were XXXX, XXXX and XXXX, none of which i contacted although I do have a XXXX account. I have contacted the company several times. Paying these charges would very difficult in the present circumstances and is causing tension in the home, so i would like to resolve the matter as soon as possible. As a credit card customer who pays a yearly fee i thought i was protected from fraud of this sort, however i was unawware and not alerted to suspicious activity. For example over 70 charges rngeing from XXXX to XXXX were billed on a single day to these companies, shouldn't i have been notified? 
Thanks for your time and consideration, XXXX XXXX
Consumer complaint received 2021-03-22
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. (ID)

US SM Bus iness Admin HARD inquiry XX/XX/XXXX XXXX XXXX XXXX HARD inquiry XX/XX/XXXX Experian will not allow me to dispute these two hard inquires online. 
Indicated I must go through Reporting Parties. 
Reporting Parties have NO information relating to me or the inquires. 

I did not request credit applications for either mentioned above. 
Experian indicated that I needed documentation supporting from reporting parties. They have no information to send to Experian. 

There is nothing in their systems with my name or signature. 

They refuse to allow me to dispute the hard inquires. 

These are not my applications, they need to be removed from my credit report they are damaging my credit history.