davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (AK)

XX/XX/2021, I wrote to LexisNexis to request all information they have about me. I got a letter in return, with my name spelled incorrectly, that stated " we are unable to authenticate your identity and therefore can not process your request ''. 

XX/XX/2021, I wrote to LexisNexis, again requesting all information they have about me and included a photocopy of both my USA passport and Alaska drivers license. I got a letter in return, that again stated " we are unable to authenticate your identity and therefore can not process your request ''. This letter has two numbers listed : consumer number XXXX, and case number XXXX. 

XX/XX/2021, I called the number listed for LexisNexis : XXXX. I was asked for my date of birth. I asked the person that asked me for my date of birth if she was currently in the USA. She said no, but there was an office in XXXX. I asked if she was a citizen of the USA. She said no. 

So here are the problems : This company, LexisNexis : 1 ) is fishing for all of my personal information that it does not yet have 2 ) is employing non USA citizens and entrusting them with my personal information 3 ) will not give me, despite multiple requests, the information they have about me This looks like a big scam to me.
Consumer complaint received 2019-01-26
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. (GA)

Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. 

As the attached XXXX will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, XXXX, Trans Union, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. 

The continued publication and dissimination of this inaccurate credit information is a manifest injustice. 

Next, I have been unable to " get verified '' by Trans Union, XXXX  or XXXX in order to obtain a code to temporarily lift my credit freeze. TO say I have been led down a primrose path in my multiple attempts is an understatement.
Consumer complaint received 2023-03-15
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. (MO)

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. 

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 XXXXXXXX, XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX  XXXX 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 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 2021-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ECMC GROUP, INC. (CT)

ECMC is my loans servicer. Since the pandemic began, the law States that the federal student loans shouldn't not be charged interest. Yet, ECMC keeps on charging me interest and reports them on my credit report. I spoke with last XXXX, they told me they were going to fix it. They never did. Last month they started garnishing my paycheck when in fact the pose is due until the beginning of next year.
Consumer complaint received 2023-08-07
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: CBC Companies, Inc. (TN)

These are third-tier credit reporting companies that also report information to the 3 major credit reporting agencies. They have been reporting fraudulent information to the major credit reporting companies. Help me force them to comply with the FCRA block section.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am the consumer this is not a XXXX party speaking on my behalf. I have submitted numerous letters to each credit reporting agency to have items that i the consumer, did not give consent to be on my consumer report removed. The companies continue to verify the information without submitting the method of verification and providing documentation of the investigative consumer report. There are also accounts listed on my consumer report that are not mine and are fraudulent. Pursuant to 15 USC 1681a ( 4 ) this is a violation of my privacy because these agencies are furnishing private information without my express written consent, these actions also constitute identity theft by each credit reporting agency.

While the agencies continue to report these accounts as verified this is also a violation of federal law and fraudulent activity on the part of each of the credit reporting agencies. Pursuant to 15 U.S.Code 1681a ( 2 ) ( A ) ( i ), information reported can not be only transactions between myself the consumer and the companies listed on my consumer report. Furthermore, I, the consumer was never given a chance to direct whether I wanted certain information furnished pursuant to 15 U.S.Code 1681a ( 2 ) ( A ) ( iii ), neither of these agencies offered me a chance to opt out of the reported information. 
I, the consumer am also aware that using the identifying information of another person without authorization constitutes identity theft in accordance with Regulation V 12 CFR 1022.3.

Pursuant to 15 U.S.Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer. I, the consumer, never gave express written consent or authorization for any negative information to be furnished. These reporting agencies have committed fraud by using my identifying information without any lawful authority to furnish the information, by definition these credit reporting agencies have committed identity theft.

Pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with all furnished account information is not relating to any transaction by myself, the credit reporting agency is required to place a block on my consumer report on the information associated with the accounts listed within 4 days of receipt of the identity theft report. 

On XX/XX/2021, I sent each credit reporting agency an identity theft report filed with the Federal Trade Commission with identifying documents attached ( drivers license, social security card ) and a statement from I the consumer, via certified mail.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I was a victim of identity theft i requested a copy of my credit report and i seen accounts on it that didnt belong to me so i contacted my bank and had them to freeze al my accounts until further notice
Consumer complaint received 2021-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I was approved for a XXXX month trial plan from XXXX XXXX. I made the last trial plan payment on XX/XX/XXXX and of the date of this complaint XX/XX/XXXX I have not received the modification documents to sign to get my loan current so I can resume making timely payments. I have called every week since XX/XX/XXXX and continue to be advised that the review is still in process and continue to wait for the modification agreement to be mailed to me. I am given no reason why it's taken over 30 days for me to receive the agreement. I have complied with the terms of the trial plan.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
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. (FL)

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.

The letters are stated with items and issues.

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 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 2019-12-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (MI)

A phone call was placed to L J Ross and Associates IN. on XX/XX/XXXX regarding a letter i received stating i had an outstanding debt with XXXX   XXXX, they stated they could not tell me what the debot was for and i need to call the Bank. I then called the bank and they explained they do not have the records of my debt due to the age of the debt and i would have to order them from the collection agency if i am distributing. I thna call the agency back and spoke With XXXX  whos assigned to the file, I explained I am disputing the debt and officially requested the transcripts showing the valifty of the debt. at that time the pursuit of the debt should have stopped until i received the documents requested, XX/XX/XXXX i received a notification from my credit monitoring app stating they had reported my debt to the XXXX   prior to my receiving the documents which is a violation of the  FDCPA, I spoke with XXXX  XX/XX/XXXX and explained i have not received the docs, she explained they "sent them out at the end of last month" which was two days ago, this has since lowered my credit score 17 points prior to me receiving the documents, I have both conversations recorded
Consumer complaint received 2019-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (PA)

I have been locked out of my Citibank account for days. I can't log in with my user name and password, although I've logged in before and I'm sure the user name and password are correct. Then it asks me for my debit card number and mother 's maiden name, which I'm sure I entered correctly, and it still won't let me log in. I phoned Citibank two days ago ( Thu XX/XX/2019 ) and the customer service rep said that there was no problem with my account and no block on it. But I still can't log in and today received an email that my account access had been blocked. I suspect they're getting revenge because I filed a separate complaint recently. I tried the online chat with Citibank, but it won't let me chat unless I'm logged in and I can't log in.
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 filed claims against XXXX and Transunion over 33 days ago with CFPB regarding a fraudulent account on my report. I have been trying to work with both the creditor and the credit bureaus to have this account removed from my credit report. I also mailed in a letter to the creditor asking for documentation showing my signature or consent to open this account under my information over 43 days ago which I HAVE NOT RECIEVED. This creditor has failed to provide me with supporting documentation verifying the debt and ownership documentation, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). This account was opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent and collection agencies must! Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information. 


XX/XX/202XXXX XXXX CFPB Claim # XXXX Transunion CFPB Claim # XXXX
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Please this is very urgent. I'm an American. I've worked on my credit for the past few years. I'm trying to keep everything accurate.. .my child support is paid off. I'm still getting reports from my credit and it's not accurate. My child support is paid of and the transunion still showing I'm late payments and no payments when clearly I've paid my child support. Please anybody out reading this. My child support is paid off and I don't owe. Why am I getting no payments on my reports. Why is my credit getting hit when I. Not behind on my payments. My child support is getting paid by the XXXX XXXX log in. I have payments t history that i have sent as attachments. anybody. Can fix this. I'm an American
Consumer complaint received 2019-12-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (ID)

Jefferson Capital One, keeps sending me a XXXX XXXX a {$590.00} collection that is not mine it belongs to a former employer XXXX XXXX. I disputed it, and they keep sending me his bill!! 
Please contact XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-08-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: InDebted Corporation (FL)

It made me strong to be able to pay my truck, I contacted the XXXX XXXX, I let them know that i surrender up on the payments, I tried to sell the vehicle.it was difficult for me. 
I call the XXXX for picked up at my house.After they sold the vehicle they contacted me to pay the remaining balance.They tell me that there was a balance of XXXX dollars. 
I offered to pay XXXX a month.After XXXX years paying without fail.I found myself checking the balance and i had the same balance.They are charging me super high interest.Its super XXXX offered to pay XXXX dollars, and they refused.
Consumer complaint received 2023-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Torres Credit Services, Inc. (IN)

This company reported a collection to my XXXX consumer report without ever notifying my about any alleged debt. This is a violation of the Fair Debt Collection Practices Act-Failure to notify, and failure to validate. I challenge any and all debt that this collector is attempting to collect.
Consumer complaint received 2021-09-25
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. (IA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me? I need answers now!
Consumer complaint received 2021-09-24
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. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have XXXX collection accounts that was bought from XXXX XXXX by PORTFOLIO RECOVERIES ASSOCIATE. The collection company is listed on my credit reports under XXXX XXXX as being "sold to PORTFOLIO RECOVERIES ASSOCIATE The collection company is "PORTFOLIO RECOVERIES ASSOCIATE" and this company is not licensed to collect in my state of North Carolina. XXXX XXXX is listed on my credit report as charged off and "sold to PORTFOLIO RECOVERIES ASSOCIATE." Since this company is not licensed to collect in North Carolina I would like this information deleted and removed from all XXXX credit bureaus and kept from reporting on my credit reports in the future because they bought the debt without having a license to collect in NC.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (TX)

Mailed letters on XX/XX/year>2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft .This credit agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Federal Adjustment Bureau, Inc. (OH)

This will be my XXXX time disputing items on my credit report that I did not authorize. I am NOT an attorney or XXXX party rep. I have a legal right to dispute anything on my own credit report. The following accounts are mines : -FEDERAL XXXX XXXX XXXX XXXX XXXX