davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I had the subject bill in review at XXXX XXXX XXXX with a gentleman XXXX because my insurance company said they were going to paying a portion. 

XXXX XXXX XXXX sent the account to collections anyway. 

I contacted XXXX XXXX at the collections company XXXX XXXX on XX/XX/XXXX and paid {$850.00}, what she said would settle the debt in full. See attached letter from XXXX XXXX. 

Thank you for any attention you give this matter. 

Have a great day!
Consumer complaint received 2023-06-08
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. (IL)

I have fraudulent inquiries on my credit report. I have tried to resolve the issues with the credit reporting agencies and they refuse to remove it. The fraudulent inquiries are with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Dynamic Recovery Solutions, LLC (IL)

This company calls me speak out loud a social security number and asks if thats my social and asks if I live at an address they provide. They speak my social security number out loud every time? What happens when they call a wrong number and give away my social, my name, and my address?
Consumer complaint received 2024-02-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (AR)

The is a debt collection company by the name of LOCKHART MORRIS & MONTGOMERY who parked multiple alleged debts on my consumer report without ever contacting or notifying me. I, XXXX XXXX do not know where this debt came from. This company is reporting 2 of the same accounts which is a violation of 15 USC 1681s-2 and 15 USC 1692d ( 1 ). The debt collector is reporting a total of 4 account outside of compliance with the FDCPA.They have violated my rights because I was never given the opportunity to dispute the debt, I did not receive any disclosures, and they are damaging my reputation. This company is violating both the FCRA and FDCPA. This is deceptive and abusive behavior. This company is violating privacy rights and is potentially committing fraud per 18 USC 1001 for reporting unvalidated debt.
Consumer complaint received 2020-06-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MO)

i SPOKE WITH THE LENDER ABOUT THE PROBLEMS WITH THE CAR ; HOW IT DOES WORK AND THE PROBLEMS. I WAS TOLD BY THE CAR DEALER TO BRING THIS CAR BACK AND THEY WOULD RESELL IT. I TOLD THEM THE PROBLEM FROM THE START SO I TOOK THE CAR BACK AND THEY TOLD ME THAT IT WOULD NOT HIT MY CREDIT BECAUSE THEY KNEW THE PROBLEM. 

SO I TOOK THE CAR BACK AND THAT WAS IT ; BUT WHEN I LOOKED AT MY CREDIT THIS CAR WAS ON MY CREDIT STATING THAT I OWE THIS LARGE AMOUNT. THE CAR DEALERSHIP LIED TO ME ABOUT THE ENTIRE PROCEDURE OF ME GIVING THEM BACK THE CAR. I WAS TOLD THAT I WOULD NOT OWE ANYTHING BECAUSE I TOOK THE CAR BACK. WHEN I LOOKED AT THE CREDIT BUREAU REPORTS I SAW THAT THEY H AVE PUT ON THERE THAT I GAVE THE CAR BACK BUT I STILL OWE. THIS IS WRONG I DO NOT OWE ANYTHING.
Consumer complaint received 2017-11-30
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. (TX)

This complaint is due to failure to validate in accordance with 1692g, I do not have a contact with XXXX XXXX. I am also requesting a receipt of this loan, as well as please provide the note!
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AZ)

We have an apartment complex ( XXXX ) that we lived at and moved out of and at the time we did not owe any money. Later we noticed on our credit report that the apartment complex sent a collection amount to a collection agency ( National Credit Systems Inc. ) for over XXXX dollars, we contacted the collection agency and tried to get clarification of the amount owed and who actually owed it. They stated that there were XXXX different social security numbers attached to the debt, but did not know what amounts belong to witch social security numbers. we then contacted the XXXX and asked for clarification, they would not send us any information. All they stated was that all people with the last name of XXXX was put into XXXX file and then sent to a collection agency. National Credit Systems did state that some of the charges was a security deposit. How can a security deposit be charged after a move out. We have asked several times for the original documents and XXXX and the collection agency have never provided them. We are trying to buy a house and this is preventing us from doing so.
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I was targeted with a XXXX to upgrade my current credit card. XXXX had no information and no disclaimer than an annual fee would be associated with the new card. I accepted the offer and shortly after received an e mail advising they inadvertently didnt include the annual fee on the advertisement and if I was charged it would be waived. I was billed for an annual fee.. Ive called over 15 times and was just told to wait for reimbursement per the e mail. I didnt want it to report to by credit so I paid but only after also assessing a late fee on the annual fee balance. I was told Id receive both back only I never did. Most recently I called and spoke to a XXXX who refused to transfer me to anyone above her. She advised there was nothing they could do and they had no idea why I received the e mail advised my annual fee would be waived.
Consumer complaint received 2022-12-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (AL)

Due to LVNV founding company uptain my personal information from XXXX XXXXXXXX XXXX XXXX XXXX baught my personal information to untainted money unlawful activity an to damage my credit report history with proving identification card writing agreement from XXXX XXXX or a full disclosure reported false information should been reported on my XXXX report an XXXX XXXX  is already removed from my credit report LVNC founding still trying collect money from me
Consumer complaint received 2020-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

Please be advised that this is my 3rd time reaching out to Equifax in reference to collection and charge off accounts on my credit report that are not mine. I have sent in a copy of my social security card, ID, and a current bill and they still have not fully and properly investigated into these incorrect debts reporting on my credit report. These negative items are not mine and they are effecting me negatively with purchasing a home and the negative marks are also making me look " risky '' to other lenders. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 

1. XXXX XXXX UNVERIFIED ACCOUNT 2. XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT 3. XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT
Consumer complaint received 2022-12-31
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: MicroBilt / PRBC (formerly CL Verify) (FL)

MicroBilt is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Consumer complaint received 2020-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My card was compromised with five fraudulent charges on XX/XX/2020 not limited to- {$510.00}, {$160.00}, {$69.00}, {$70.00}, and {$35.00}. I called Capital One Immediately when I saw the charges the following day, XX/XX/XXXX to address the fraudulent charges and get them removed off of my account. Fast forward to XX/XX/XXXX, I see the fraudulent charges posted back to my account saying that the charges were authorized by me, when they were in fact most definitely not my charges. After calling and asking why the charges were posted, and asking what I can possibly do to get them removed ( since they were not my charges ) again off my account, I was promptly told that nothing could be done ( after nearly two hours of hold time to speak to a representative ).
Consumer complaint received 2020-04-12
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. (NV)

Transunion is reporting a account on my credit profile that does not belong to me and has never belonged to me ( XXXX XXXX XXXX balance XXXX ) XXXX is reporting a account on my credit profile that does not belong to me and has never belonged to me ( XXXX XXXX Balance XXXX $
Consumer complaint received 2020-06-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (MO)

On XX/XX/XXXX I set up an account with remitly.com for the purpose of making an international money transfer in the amount of {$300.00} US. I received an email receipt for the transaction, then I received an email notice stating that my transaction had been cancelled due to " suspicious activity '' on my account. 
I tried to email this company for an explanation. The reply I got advised their email customer service was unavailable, as is their telephone customer service, which I also tried. 
I went through a lengthy wait time to speak with a representative on the company 's on line chat application. I was told basically the same thing as the email stated. In addition, I was told that I was barred from ever using their service. When I asked for a detailed explanation of the nature of the suspicious activity and an explanation for their decision, They refused to provide either, and referred me to their user agreement, which provided no specific information about this denial of service except for reasons not applicable to this situation. 
As a consumer I believe I have a right to know exactly what the reasons are for a complete denial of service.
Consumer complaint received 2020-06-15
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. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my credit report, I saw an outrageous amount of accounts under my name that name that are not mine. Please delete these items from my reports.
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to XXXX XXXX TransUnion XXXX, TransUnion Supposed to ensure MAXIMUM POSSIBLE ACCURACY this account violates these laws 15 USC 1681 ( I ) 15 USC 1681 ( S-2 ) 15 USC 1681 ( Eb ) 15 USC 1681 ( I-5 ) : Delete Accounts I called TransUnion to get my credit report on XX/XX/XXXX and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose According to 15 USC 1681Ib, I Also attached my credit report and letter showing that TransUnion is in violation of the FCRA
Consumer complaint received 2020-06-15
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)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my credit report, I saw an outrageous amount of accounts under my name that name that are not mine. Please delete these items from my reports.
Consumer complaint received 2022-02-28
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. (GA)

I am a victim of identity theft. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, And, XXXX XXXX XXXX, has Fradulent accounts on my credit profile that needs to be removed.
Consumer complaint received 2020-06-15
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. (NV)

I had the subject bill in review at XXXX XXXX XXXX with a gentleman XXXX because my insurance company said they were going to paying a portion. 

XXXX XXXX XXXX sent the account to collections anyway. 

I contacted XXXX XXXX at the collections company XXXX XXXX on XXXX2020 and paid {$850.00}, what she said would settle the debt in full. See attached letter from XXXX XXXX. 

Thank you for any attention you give this matter. 

Have a great day!
Consumer complaint received 2020-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NC)

Recently, I disputed a trade line being reported on my credit reports by XXXX/XXXX XXXX XXXX. The results of the dispute came back as 'verified and accurate '. Thus, because I have no knowledge of this debt and I disagree with the amount claimed to be owed, I disputed the debt directly with XXXX. I specifically asked for full accounting for the amount claimed to be owed. Meaning, I would like to see the billing and payment history from the date the account opened until the date the account closed. Furthermore, I asked for proof of contract. XXXX failed to send me any of the requested info, but instead, they sent me a typed up bill summary ( attached ). Lastly, I spoke with a XXXX employee and I was told that my records didn't exist. Thus, I couldn't be provided with the billing and payment history.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

Your company is furnishing a bankruptcy to my consumer report inaccurately. Section 611 of the FCRA states you must verify, modify, or delete inaccurate information from a consumers consumer report. The Account Is labeled US BANKRUPTCY COURT which is inaccurate. I am aware that LEXISNEXIS can not verify this information with the US BANKRUPTCY court therefore this account should promptly be removed from your records. It is also your responsibility to notify XXXX, XXXX, and XXXX. Failure to comply will leave you civilly and criminally liable.
Consumer complaint received 2022-12-31
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. (AL)

TransUnion had false information on my credit report like address fraudulent information until they changed the address made account reporter accurate I have no knowledge of these accounts an they forced to make me pay a debt I have no knowledge of I requested everything dealing with this account never once received sign documents or writing agreement contract with XXXX XXXXXXXX sold my personal information to these companies illegally with notify me I never received any paperwork from XXXX XXXXXXXX about no debt or any Paperwork payment now another company trying collect debt to type of payment even the payment incorrect
Consumer complaint received 2023-05-24
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 XXXX XXXX, have noticed that there is information on my consumer report that is a result of identity theft. I did not authorize nor provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on a basis of a material misrepresentation of fact by me relevant to the request to block then identified transactions. The identified transactions are not information related to any transaction by me, as the consumer. 

You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date oof the receipt of this notice. I look forward to your response. 

Thank you! 
Sincerely, XXXX XXXX
Consumer complaint received 2023-02-09
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. (NJ)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

With COVID uncertainty I requested a forebearance with Shellpoint Mortgage just in case I needed it, however, during the forebearance period XXXX to XX/XX/2020, I NEVER paid 30 days late. 

Consequently, I am selling my house and it is closing XX/XX/2020. To buy another home, XXXX XXXX  pulled my credit for a mortgage and I was shocked to find : Shellpoint notating forebearance negatively, despite this being formally cancelled by me. 
Shellpoint reporting {$0.00} payment during the forebearance which is NOT accurate, I have paid each month mortgage XXXX, XXXX and XX/XX/2020. 

As part of the CARES act it is illegal for a lender to negatively report forebearance due to COVID. Shellpoint is both negatively listing forebearance even though I NEVER paid 30 days late AND i cancelled this is NEGATIVELY affecting my ability to be approved for another mortgage. Shellpoint is also INCORRECTLY reporting NO PAYMENT from XXXX to XXXX instead of noting PAYING AS AGREED.