davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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: Experian Information Solutions Inc. (NV)

I sent a letter to Experian, XXXX and XXXX on XX/XX/XXXX. It been well over XXXX XXXX, I still have not received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX and XXXX have XXXX XXXX to respond to my dispute. 

This is a violation of my rights I need all of the items I disputed removed from my credit report immediately. 

Items still on my report : XXXX XXXX XXXX Credit usage XXXX XXXX Balance {$5400.00} Balance Updated XX/XX/XXXX Credit limit {$5500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line Of Credit XXXX XXXX usage XXXX XXXX  XXXX {$3400.00} Balance Updated XX/XX/XXXX Credit limit {$3600.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card XXXX XXXX  XXXX LATE XXXX XXXX XXXXXXXX XXXX XXXX Balance {$570.00} Balance Updated XX/XX/XXXX Credit limit {$16000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type XXXX XXXX  XXXX  XXXX Balance details XXXX XXXX paid off Balance {$3000.00} Balance updated XX/XX/XXXX Original balance {$3100.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type XXXX XXXX XXXXXXXX Balance details XXXX XXXX  paid off Balance {$35000.00} Balance updated XX/XX/XXXX Original balance {$36000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXX, XXXX Account type XXXX XXXX XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2023-06-13
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. (LA)

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX. XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX. Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX  XXXX Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX. Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX. Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING : XXXX. Account Number : XXXX. 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (MI)

I applied for and was denied for a Target red card. The ONLY reason for denial was according to Target themselves " -Your application was declined because you have a number of accounts with recent delinquency. '' I have ONE very simple question, an answer every consumer who applied for credit has a right to know. What is considered " RECENT '' as in a RECENT DELINQUENCY '' is within 6 months considered RECENT? 
Is 6-12 Months Considered RECENT is 12-18 Months considered RECENT is 18-24 Months considered RECENT is 24-30 Months considered RECENT is it 30-36 Months considered RECENT Is 4 years old considered recent is 5 years old considered recent More specifically : what is the length of time that needs to past for Target to NOT consider a Delinquency RECENT? 

Target has failed to answer the most basic question previously, hopefully they will answer is this time around.
Consumer complaint received 2022-11-10
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)

I have reported this unlawfully attained account XXXX to both the credit bureau and XXXX XXXX XXXX on numerous occasions. This account has been removed and supposedly blocked from my credit report twice the account resurfaced on my even after the bureau blocked it. My identification was stolen during a theft occurrence in 2016. I was unaware that someone had used my identification to attain an account with XXXX until years later up upon learning of this, Ive made every attempt to remove this account from my credit report to no avail. This is both illegal and irresponsible that this company and the credit bureaus have not removed this account from my report. This unlawfully illegally attained account is damaging my opportunities and affecting my finances. Both Bureau and XXXX have received my identity theft report but have not acted according to law in resolving the impact that this has inaccurate information has had on me.
Consumer complaint received 2019-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

My student loan is currently being serviced by FedLoan Servicing. I consolidated all of my loans in XXXX and began PSLF at that time as well, I have worked in XXXX XXXX for over 11 years. I noticed on my last statement that they stopped counting 3 years of prior service for me from XXXX - XXXX, when I called to inquire as to why, I was informed that my loans had been re-consolidated in XXXX and that service prior to then would not be counted. That's 5 years of service! I DID NOT RECONSOLIDATE MY LOANS!! Why would I when I already consolidated them all in XXXX, my service was being counted and my payment was XXXX? Now in speaking with the company, they admit it may be an error and will remove the new consolidation but they will not count any payments after XXXX! These people are crooks and clearly double-dipping! Please help me rectify this matter, I just want to be made whole and returned to my original disposition.This agency and this PSLF program is supposed to help lenders like me, not rob us.
Consumer complaint received 2023-06-13
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 1ST RESULTS BILLINGS & COLLECTIONS, INC. (NC)

I received a letter from George Brown Associates in XX/XX/2022. It stated in the letter they were collecting a medical debt of {$3.00}. The letter gave the options of paying the debt or disputing the debt. I disputed the debt on there form and I enclosed a letter which I asked for a debt validation letter to be sent to me if they could not validate this debt to not contact me further. I sent this letter and debt dispute insert via certified mail on XX/XX/2022 they received the letter since I have the tracking number. I did not receive a debt validation letter back from George Brown Associates, INC nor response to debt dispute In XX/XX/2022 George Brown Associates contacted me again with same letter for same supposed debt. I called them on XX/XX/2022 again disputing the debt. Since it was over 30 days without a debt validation letter and no response to dispute of the debt. I am asking for them to stop contacting me. I do not owe this debt.
Consumer complaint received 2022-05-18
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. (TX)

In accordance with the Fair Credit Reporting act 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 2022-11-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (KY)

on or about XX/XX/2022 saw my credit report for the first time and saw this company on the XXXX report stating that i owe them {$570.00} when i wrote to them asking for validation of the debt i never got a response they never sent me anything im not sure if this is a scam or not
Consumer complaint received 2023-06-13
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. (MS)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX  account # XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX Bank account XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S.C section 602 A. Section 2. 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 an 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 2023-06-13
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please correct and update.
Consumer complaint received 2022-11-11
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAPITAL ONE AUTO FINANCE is reporting negative and harmful information to XXXX XXXX XXXX as well as violating laws 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and 16 CFR 313.10 - Limits on disclosure of non-public personal information to nonaffiliated third parties. also15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.
Consumer complaint received 2022-05-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have some fraudulents accounts in my credit profile that i been disputing and i had sent the three credit agencies experian, XXXX and XXXX  a FTC report like Early XXXX as my ftc report showed, and some disputing letter on XXXX XXXX been victim of identity theft and i have 4 negative items on my report on experian, XXXX and XXXX that XXXX do not know where they Come from.i need them to be delete.their investigation took more than 30 days and they violate my right by keeping those in my report. 
I hope you can be the voice of People like me Who get abuse by some agencies out here. 
Thank you.
Consumer complaint received 2022-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (TX)

I was contacted by the DRS ( Debt Recovery Solutions ) about a debt with a payday loan company ( XXXX XXXX XXXX ). I have never used such a loan company. I requested documentation for the debt XX/XX/XXXX. I repeated my request for supporting documentation on XX/XX/XXXX, XX/XX/XXXX and XXXX with no supporting documentation provided. 

On XX/XX/XXXX I contacted the original owner of the debt directly. They informed me they had not been contacted for additional information about this debt by DRS. Further they informed me the money was paid to an account at a bank I have no accounts with. I confirmed this via phone call with the bank ( XXXX XXXX ). Also my credit report lists no account in my name with this bank. 

I disputed the collection with the XXXX major credit reporting agencies. XXXX reported that DRS " CERTIFIED '' the debt was valid and declined to remove the item in collections from my credit report. 

Finally today after XXXX months DRS agreed to remove the item in collections from my credit report. 

I have been trying to get credit established for a new home construction project while this has been ongoing for the last 2 months which has delayed the start of construction. 

I feel DRS conduct during this time was not in good faith. Their failure to provide information and address my concerns regarding this collection has cost me time on my construction project and time away from work and other obligations.
Consumer complaint received 2023-06-13
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
-- -- -- -- -- -- -- -- - XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
-- -- -- -- - XXXX XXXX Address XXXX XXXX XXXX XXXX, FL XXXX XXXX number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
-- -- -- -- -- -- XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
-- -- -- -- -- -- - XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2022-11-11
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. (NY)

I keep sending numerous sets of letters to Experian so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this account affect my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair or delete the late payment from this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Recovery Management Solutions LLC (KS)

I have several back to back phones calls daily from this company. Then some how they got a company phone number that would not have been listed on any loan applications. I spoke with a lady here a requested that she not call my company phone and to refer all matters to XXXX XXXX XXXX. Then after a few days go by once again they called my company phone harassing me at my place of employment. I requested all information regarding this and I have only received a letter saying I owe money.
Consumer complaint received 2022-11-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

Saying I owe loan and harassing me day night at my place of work causing numerous stress threatening me with lawsuit and jail time and or arrests. Harassing my family calling them in another state day and night. I asked them kindly to take off loan thags in my name they would not. Opportune loans has done nothing but have shady business dealings. They called me day and night
Consumer complaint received 2023-06-13
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. (CT)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX account # 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 an account without my written instruction. 15 U.S.C 1666 B .A Creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any reason.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have some hard inquires on my account that I have no knowledge of. I spoke with TransUnion earlier they told me to report it. The inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX