davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (GA)

I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ), XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ), and MIDLAND FUND ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and MIDLAND FUND ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-14
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (GA)

I have a loan with LVNV FUNDING ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX   ), XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX  ), XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-14
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 — Their investigation did not fix an error on your report
Company: Amsher Collection Services, Inc. (GA)

I have a loan with AMSHER COLL ( Original Creditor : 08 XXXX XXXX  ),  AMSHER COLL ( Original Creditor : 11 XXXX XXXX  ), and XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX  XXXX XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMSHER COLL ( Original Creditor : 08 XXXX XXXX  ), AMSHER COLL ( Original Creditor : 11 XXXX XXXX ), and XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX  XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-14
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

I habe tried to have this company verify this debt they won't instead they send me a bill this does not mean I made the debt Where is my instrument bearing my signature and the contract evidence that it was bought deom the original creditor They will not prove this They so not have this information How can I be forced to pay without true verification
Consumer complaint received 2020-08-14
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. (IA)

TO WHOM THIS MAY CONCERN, I AM XXXX YEARS OF AGE AND MY IDENTITY WAS STOLEN I NEVER HAD SO MUCH OF THE DEBT AND CREDIT CARD IN MY WHOLE LIFE LIVING SOMEONE HAS PRETENDED TO ME AND IM JUST CHECKING MY BECAUSE I WANTED TO BUY ME A HOUSE FOR ME AND MY XXXX  HUSBAND. I DONT KNOW HOW MUCH THE AMOUNT WAS ON EACH NEGATIVE ITEMS BUT CAN YOU PLEASE INVESTIGATE AND DELETE FROM MY CREDIT REPORT PLEASE.
Consumer complaint received 2020-08-14
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. (IA)

TO WHOM THIS MAY CONCERN, I AM XXXX YEARS OF AGE AND MY IDENTITY WAS STOLEN I NEVER HAD SO MUCH OF THE DEBT AND CREDIT CARD IN MY WHOLE LIFE LIVING SOMEONE HAS PRETENDED TO ME AND IM JUST CHECKING MY BECAUSE I WANTED TO BUY ME A HOUSE FOR ME AND MY XXXX  HUSBAND. I DONT KNOW HOW MUCH THE AMOUNT WAS ON EACH NEGATIVE ITEMS BUT CAN YOU PLEASE INVESTIGATE AND DELETE FROM MY CREDIT REPORT PLEASE.
Consumer complaint received 2020-08-14
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: BARCLAYS BANK DELAWARE (CA)

I left XXXX, XXXX on XX/XX/2020 and moved to XXXX, XXXX for a temporary stay about two weeks. When I was at the airport waiting for my flight to XXXX XXXX, XXXX on XX/XX/XXXX, I noticed that there were some unauthorized transactions on my credit card, which I always brings with me. I called the Barclays Bank immediately and they said they would reverse the charges. The unauthorized transactions happened between XX/XX/XXXX and XX/XX/XXXX. Most of them happened in XXXX, XXXX and some were from online store. In total, it was about {$400.00}. By the way, I went to XXXX XXXX for a personal trip between XX/XX/XXXX and XX/XX/XXXX, meaning I was not even physically in XXXX, XXXX, making it impossible for me to make the transactions. A fews day later, I received the credits for all unauthorized transactions. However, about 10 days ago ( On XX/XX/XXXX ), I got a letter from Barclays Bank saying there are three transactions which were made with the chip.The total amount is about {$160.00}. They said my card had to be present to make chip transactions and decided to put the related charges back on my account. As I said before, I was not in XXXX and I can prove that either with the receipt from a hotel or the GPS location on my XXXX XXXX. The Barclays Bank is accusing me of making the transactions which I never did and refused to drop the unauthorized transactions. This is ridiculous.
Consumer complaint received 2020-08-14
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. (FL)

After reviewing my credit history I noticed a few account I have no knowledge of and believe my identity has been tampered with. I did not authorize any of these accounts nor have I inquired about them in no way. With that being said I would like this matter to be resolved by having them removed immediately.
Consumer complaint received 2020-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I habe tried to have this company verify this debt they won't instead they send me a bill this does not mean I made the debt Where is my instrument bearing my signature and the contract evidence that it was bought deom the original creditor They will not prove this They so not have this information How can I be forced to pay without true verification
Consumer complaint received 2020-08-14
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. (FL)

After reviewing my credit history I noticed a few account I have no knowledge of and believe my identity has been tampered with. I did not authorize any of these accounts nor have I inquired about them in no way. With that being said I would like this matter to be resolved by having them removed immediately.
Consumer complaint received 2020-08-14
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. (IA)

TO WHOM THIS MAY CONCERN, I AM XXXX YEARS OF AGE AND MY IDENTITY WAS STOLEN I NEVER HAD SO MUCH OF THE DEBT AND CREDIT CARD IN MY WHOLE LIFE LIVING SOMEONE HAS PRETENDED TO ME AND IM JUST CHECKING MY BECAUSE I WANTED TO BUY ME A HOUSE FOR ME AND MY XXXX   HUSBAND. I DONT KNOW HOW MUCH THE AMOUNT WAS ON EACH NEGATIVE ITEMS BUT CAN YOU PLEASE INVESTIGATE AND DELETE FROM MY CREDIT REPORT PLEASE.
Consumer complaint received 2020-08-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Submitted original dispute on XX/XX/2020 and its been over the 30 days period. Sent a vod letter. No answer.
Consumer complaint received 2020-08-14
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. (CA)

XXXX XXXX credit card ending XXXX appeared as Fraudulent charges in amount of XXXX incurred and will absolutely NOT my responsibility for the account, i have reach out to the bank institution notify all the fraudulent activities. I have completely Paid in full all of my account to zero balance except for Fraudulent charges. Any charges arise out of fraudulent account will not be in my responsibility.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Check Recovery Bureau, Inc. (PA)

I took out a loan originally with XXXX XXXX XXXX. The account was charged off and sold too United Check Recovery Bureau Inc. I paid and settled the account two years ago. United Check emailed me a settlement letter and never updated the account to the credit bureaus. The account is still showing derogatory and charged off. Its supposed to be showing closed and settled. I called them over 40 days and informed them of the situation. I was told it would be fixed and it has not been corrected. It is affecting my credit score.
Consumer complaint received 2020-08-14
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)

address
name
accounts 
wrong


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 2020-08-14
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)

address
name
accounts 
wrong


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 2020-08-14
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. (TX)

address
name
accounts 
wrong


XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX  XXXX

XXXX  XXXX
XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX


XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  & XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC (GA)

We purchased a XXXX XXXX XXXX minivan  for the purpose of transporting our XXXX adult daughter in XX/XX/XXXX. Due to a layoff and significant salary reduction that resulted, we filed XXXX XXXX bankruptcy in XXXX XXXX. As part of the repayment plan, the minivan  was paid off in XX/XX/XXXX via a monthly payment far above the initial monthly installment. We were told that we should receive the title at the close of the entire XXXX. XXXX plan in XXXX. My payroll deductions ended in XX/XX/XXXX and upon the Trustee 's audit late this summer, she concluded that all our claims were paid in full. I believe that her closure also included notice to all creditors allowing them to dispute the XXXX balances shown in her report. Approximately two weeks ago, my husband departed his doctor 's office to drive home to our daughter in the minivan and it had disappeared from the clinic parking lot. He called the XXXX Police Department and was told that the vehicle had been repossessed by the lender. We called our attorney who was speechless, who then called the Trustee. In short, the lender is claiming that we still owe interest on the loan, but at no time amended their Proof of Claim or made any effort to notify the court, our attorney or us. We do not have an adequate vehicle to transport our daughter to necessary appointments that will accommodate her wheelchair, nor do we have funds to satisfy any balance that this company contends that we owe. We have now received certified mail telling us that our minivan will be sold at auction after XX/XX/XXXX and that will seek any leftover balances from us. Please help us.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have several addresses on my credit report that I have never lived at. I need to make sure no one is applying for anything in my name at these incorrect addresses : Please REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX  XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2023-03-17
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. (FL)

See the files that are attached. I want the bureau to look into these accounts where they are reporting me as being late despite the fact that I am always on time.
Consumer complaint received 2020-08-14
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: EQUIFAX, INC. (OH)

While checking my credit report I discovered items that have unverifiedinformation. I was in XXXX XXXX, XXXX, OH from XX/XX/XXXX - XX/XX/XXXX. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( x3 ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The agency duplicated an account with XXXX XXXX XXXX and then refused to remove it. Attached is a copy of the FTC report
Consumer complaint received 2020-08-14
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. (NC)

I called Experian twice to remove a fraud alert from my account but it continues to be updated. I called regarding this issues on the XXXX, XXXX, and XXXX of XX/XX/2020. I was informed that this fraud alert would be removed but everytime i look at my report it is not removed and seems to updated to a new fraud alert after i call. 

I called XXXX for the same situation and was told that the fraud alert would be removed effective immediately across all three reporting agencies but it has not been removed on any of the reporting agencies web pages. 

My credit score  was decreased by 52 on Experian and 74 points on XXXX. I was never given any information as to why it had decreased. Everytime i called i was re-routed to another credit reporting agency that gave me no information as to why my score would have decreased. I believe these organizations are fraudulent and they should be able to report the reasons for any changes to a credit report.
Consumer complaint received 2020-08-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

This company ( Portfolio Recv Assoc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into  a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other  than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX XXXX  : house of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC