davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (AZ)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been contacting the 3 Credit Bureaus requesting a complete payment history with this account. Despite the multiple previous written requests. Below are the accounts that are reported, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CREDIT COLL ( XXXX XXXX ) XXXX Balance {$320.00}
Consumer complaint received 2022-12-06
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. (NC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$50.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$870.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-01
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. (OH)

There are credit inquiries listed on my report that I did not authorize XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MO)

XXXX XXXX, and XXXX has added two collections company on my credit report. After my credit report last week went up it has now gone down at least 30 points or more. The credit card company, or bank has closed this account and now it has shown up on my credit report by fraudulent means. 
This is a fraudulent company who opened up a collection account without my consent or knowledge. I want these companies removed from my credit report, and I want them to pay me {$10000.00} each.
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (UT)

I returned to the XXXX several years ago after being out XXXX working for several years and finally checked my credit report and found I had a Charge-Off from Synchrony/JCPenney from a credit card that had been opened while I was out of the country working I tried calling Synchrony many, many times trying to get information and report it as a fraudulent account and was told by their customer service employees that they had no information to give me and that the account was originally serviced by GE Money and they never received anything from them whey they took over the account? They told me that I had to contact the Collection agency XXXX XXXX and that if there was any paperwork to " Validate the Debt '' they would have it. 

I started sending Debt Validation letters to both Synchrony and XXXX XXXX in XXXX of this year ( 2015 XXXX and neither company responded as required by U.S Federal law? Finally when I hired an attorney to sue XXXX for failure to validate the debt and for illegally reporting false information to the credit reporting agencies they immediately contacted me and notified me that they indeed did not have the information to Validate the Debt and that I was no longer responsible for the debt and they would contact all XXXX credit reporting agencies and remove the false information. 

Synchrony on the other hand is the worst company I have ever had to deal with in my entire life they are continuing to report the debt even though they can not even validate it and they have yet to respond to even XXXX XXXX XXXX XXXX of my debt validation letters and they do not care that they have no records to back up their claims and yet they continue to illegally report false and negative information they will not even give me any information how to contact their legal department to serve them for lawsuit its pretty bad that this country lets crooked companies like Synchrony operate and it is really sad that you have to resort to hiring an attorney. 

I want them to comply with U.S Federal Law and provide me with the information they are required to by law ( Validate the Debt ) immediately and or remove the false account from my credit reports. This has gone on far to long and I am paying much higher interest rates on all my credit accounts because of their illegal reporting.
Consumer complaint received 2022-10-01
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. (PA)

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-06-01
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. (IL)

In accordance with the Fair Credit Reporting act XXXX ACCOUNT # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-01
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-01
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. (WA)

XXXX is too old to be on my credit report, was close/last reported on XX/XX/2014. The statute of limitations is 7 years, so i request that this item be DELETED from my credit report. 

XXXX XXXX XXXX XXXX XXXX  is too old to be on my credit report.It was last reported/closed XXXX.I request that this item be DELETED from my credit report as soon as possible because it is older than 7 years. 

3.I also request that this deletion should be reflected in XXXX and XXXX. 

4.My final request is for CFPB to share this complaint with XXXX  State Attorney General 's Office .
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any accounts which were opened without my knowledge, consent or authority within 4 business days. 

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 2022-06-01
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602A 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 Hard inquiry
Consumer complaint received 2022-02-01
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. (TX)

I informed Experian that a debt collection account was in litigation. Experian allowed XXXXXXXX XXXX to report negative info in my credit report about a debt they purchased during the lawsuit and after the case was dismissed in my favor. I sent Experian copies of the pending litigation and final results of the case asking them not to allow XXXX to report negative info pending the outcome of the lawsuit. Experian investigated the dispute but dud nothing about it. The sent me credit card offers instead of dealing with my dispute. I think pushing credit card offers is a conflict of interest since they mange credit reports and scores.
Consumer complaint received 2015-06-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

Spring Leaf ( Formerly .XXXX ) had a loan on our house at XXXX , we paid every month for 180 months when the economy wen belly up in XX/XX/XXXX we called them immediately an let them know that we needed a modification, They responded by plastering forclosure notices all over the property, they kicked us out, and auctioned the property on the courthouse steps in XXXX XXXX , They robosigned the papers that is how they worked so fast. They called us up and told us that we qualified for a modification a HARP loan. trouble is they already sold the house. we moved to XXXX into a mobile home. since AGF sol the house for less than what we owned them they should have adjusted our biill accordingly, When I pulled a credit Report on XX/XX/XXXX I saw that SPRING LEAF formerly American General Finance had a balance of XXXX and Change since they admitted they made a mistake in taking our house and that we qualified for a HARP loan or modification, we feel that Spring Leaf or American General should make us whole again
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Gettingunauthorizedhard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of theunauthorizedinquiries. 

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 2022-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Services, Inc. (SC)

I was scanning through my credit and noticed some inaccurate information and accounts on my credit report. I have two separate accounts from National Credit Services. One of the amounts is XXXX and the second one is XXXX both account numbers are listed the same, XXXX. I sent a letter to them to dispute these errors being reported and also wanted to get verification of the debt, that letter was signed for them on XX/XX/2022. I received a letter from them dated XX/XX/2022 basically saying it was verified. I then proceeded on and sent another letter to them which was received by them on XX/XX/2022 and received the exact same letter back from them, which was dated XX/XX/2022. They have failed to provide me with proper verification of this alleged debt that I owe them. I tried to resolve this issue with them, but have been unable to. I have attached all letters sent and received from the company and also sent them certified mail and attached documentation showing when it arrived to them and when it was signed for.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

Experian XXXX XXXX XXXX XXXX is reporting an XXXX for my information when landlords enter my social security number and other personal information. 

My identity was stolen years ago and was used to rent property in a state that I have never lived in. I followed the correct procedure to handle this matter by filing a police report and I submitted my Identification and proof of address to Experian XXXX XXXX XXXX XXXX 

Experian XXXX XXXX XXXX XXXX refused to investigate the report even after I notified them of 605B Fair Credit Reporting Act stating they have 30 days to investigate and either remove or confirm the information. 

Experian XXXX XXXX XXXX XXXX has a website : XXXX XXXX XXXX where it says explicitly that they do " TENANT SCREENING '' reports for landlords and small businesses. If you click on " tenant screening '' it lists " public records '' and " eviction reports '' as part of this tenant screening. 

At first Experian XXXX XXXX XXXX XXXX first denied doing anything but credit reporting but after I showed them their own website they decided they could not lie any longer to me that they in fact do send reports out with eviction information they have in their database. 

Experian XXXX XXXX XXXX XXXX said they will not investigate any matters that are submitted to them, and their eviction reporting for my profile will continue to report even after I sent them the police report and corresponding documents. 

XXXX XXXX XXXX XXXX was able to investigate and remove their false information from my identity theft case. Experian XXXX XXXX XXXX XXXX refuses to investigate it.
Consumer complaint received 2019-11-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Marvin S. C. Dang, LLC (HI)

I recently tried to pay off debt. I got in contact with Law Offices of Marvin S. C. Dang, LLLC whom bought my debt. They refused to mail me my current debt amount and requested a different amount citing processing fees.
Consumer complaint received 2022-10-01
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX has violated my right to privacy in accordance with 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX has violated my rights in reporting this account as they do not have written permission in accordance with- 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 2015-03-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Man-Data Inc. (OR)

I filed bankrupcy on XXXX XXXX, had meeting on XXXX XXXX. No creditors showed. The doctor resumitted his bill to my insurance for XXXX/XXXX/2014 and was paid everything owed except XXXX of the bill which I already had added to my backrupcy for XXXX. So the collection company is trying to get more than what is owed, on top of trying to collect a debt that is going to be charged off. They never filed anything to dispute the banckrupcy. I recieved another letter to collect XXXX today.
Consumer complaint received 2016-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation (NJ)

I had already thought I settled this with XXXX because they kept sending me bills for products I had already paid for in full. I sent you the invoice numbers and all of the information I still have on hand to proved I paid. 

They tried this before using XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX NY XXXX. The notice was sent on XXXX XXXX, 2016. The notice stated that I owed {$82.00}!!! I wrote to CFPB and it was settled. 

Yesterday, I opened the mail to find a NOTICE OF COLLECTION from a place called PENN CREDIT! The client listed is : XXXX! AGAIN! 

These items have already been paid for and I am not paying for them again. They have a list of service dates, account numbers, and balances that total {$59.00}! 

The XXXX billing staff must be the most incompetent people that ever existed. Whoever they are ... they need to be replaced. Until then, buyers beware of making purchases from XXXX ... do n't do it. If you already have, keep all of your documentation because they will try to double, triple, quadruple bill you for what you have already paid.
Consumer complaint received 2022-10-01
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. (GA)

This account ending in XXXX was opened fraudulently. I talked too the original creditor and they have stated in a letter that they did a fraud investigation and determined I am not responsible for this debt. Attached is my FTC report and the letter from XXXX XXXX Bank stating I am not responsible for this debt
Consumer complaint received 2017-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I was informed that I was being sued by a company by way of checking my public record, which I do often to ensure its accurate. I believe it may be from an old debt but I am not 100 % certain. I am now in the process of also working on getting a validation letter.
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-01
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. (GA)

My mortgage was in a forbearance status. XXXXXXXX XXXX XXXX reported to Experian that my mortgage payment was 30-days past due resulting in a negative impact to my credit score/report.
Consumer complaint received 2022-09-03
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. (GA)

In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, INQUIRIES, OR PERSONAL INFORMATION, IN DISPUTE AT ALL. CORRECT IMMEDIATELY, AND EXPEDITIOUSLY!
Consumer complaint received 2022-10-01
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. (ME)

I gave Transunion a direct dispute on XXXX XXXX. Submitted on XX/XX/XXXX. File number XXXX. Completed on XX/XX/XXXX. Creditor info is XXXX card services XXXX XXXX XXXX. XXXX De. XXXX. XXXX. Balance says {$690.00}. Credit limit is {$500.00}. XXXX Balance cant be more than the credit limit violation # 1. XXXX says current status is in collections its not violation # 2. Opened on XX/XX/XXXX ( 7 years ago ) should be removed from my Transunion credit report its still there violation # 3. As I said I disputed this info on my Transunion credit report but they sided with XXXX. According to 15 US Code sub chapter III -credit reporting agencies Transunion . Code 1681N - its supposed to be 100 % accurate if its not then its a violation and I should be awarded a check from Transunion for 3 violations for {$3000.00} for ruining my credit with false info.
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

LVNV already got a judgement against me for this debt and now XXXX XXXX is trying to collect the debt and mailer says its pre legal status as if theyre going to sue me again for the same debt.