davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (PA)

On XX/XX/2021 I sent a letter to ALLIED COLLECTION SERVICES. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2021-09-29
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. (PA)

I have been writing in and calling explain that i am a victim of fraud I do not have an account with this company and its been almost four months of me waiting on proof of validation. they can not provide it and I still have the issue of false reporting on my credit reports which is offensive and in violation of my rights.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Experian sent his to me yesterday by mail and the screen shot shows exactly what the problem is THEY SAY CLEARLY THAT PAYMENT HISTORY IS 35 % OF YOUR CREDIT SCORE AND IT IS THE MOST IMPORTANT THING ON YOUR SCORE, NOW IMAGINE WHAT MY SCORE WOULD BE IF EXPERIAN PUT BACK THE 19 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX  THAT THEY STOLE AND REFUSE TO GIVE BACK. THEY KEEP THESE SCORES LOW TO PUS HIGH INTEREST CREDIT CARDS AND LOANS. 

PREDATORY PREDATORY PREDATORY
Consumer complaint received 2021-09-29
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. (PA)

I have been writing in and calling explain that i am a victim of fraud I do not have an account with this company and its been almost four months of me waiting on proof of validation. they can not provide it and I still have the issue of false reporting on my credit reports which is offensive and in violation of my rights.
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MO)

XXXX XXXX XXXX. 
I was a member for years. I joined this company for home warranty protection. 
So you pay a monthly fee. When you have an appliance that needs to be repaired, in addition to the monthly fee. You pay {$75.00} before they come out. They request you use a credit card. I used XXXX XXXX. You give them your card over the phone etc. 
My problem was that the company kept my card and continued to charge me even though I was paying them monthly through my on line banking account. I didnt know until months later when I inquired about why my XXXX XXXX billed kept a balance. 
Once I was informed. I contacted XXXX XXXX  XXXX for the return of un authorized charges. They refused. They said my monthly payment has gone up. So they used my credit card for the difference. I informed them that they shouldve informed me by telephone, letter or email. That my charge was only used for emergencies. 
I wrote XXXX XXXX XXXX. Complaint # XXXX-Ref # XXXX. It was not resolved. XXXX XXXX XXXX wouldnt return my money. Said I could cancel. So I did. I accidentally paid them through bill pay the following month. Was unable to cancel. I recently got a bill from a collection agency requesting payment from XXXX XXXX XXXX as a debt collection. Nationwide Credit , Inc. NCI XXXX. I contacted them. They informed me that if I paid them {$240.00}. They would stop billing me. I informed that I wasnt paying. To stop contacting me. That XXXX XXXX XXXX owes me.
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NY)

My name is XXXX XXXX and I am a CONSUMER and ORIGINAL CREDITOR. On XX/XX/XXXX I received a letter from IC System offering some type of " settlement offer '' however I never gave any consent to this company to contact me pursuant 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- they are violating the federal laws including 15 USC 1692b ( 5 ) -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 and 15 USC 1692b ( 2 ) -not state that such consumer owes any debt. 
I have proof of it and it will be attached to this complaint that IC Systems is violating me as a CONSUMER pursuant the FDCPA laws mention above. 
I try to resolve this over the phone and spoke with XXXX XXXX and she did nothing about it and I also talked to XXXX or Supervisor XXXX XXXX and she stated she can't do nothing because she need it to wait for the Original Creditor ( which is another violation under 15 Usc 1692e false or misleading representations ) because I am the original creditor pursuant 15 usc 1602 ( g ).
Consumer complaint received 2019-12-10
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: EQUIFAX, INC. (MS)

I initially contacted Equifax on XX/XX/XXXX by mail, disputing inaccurate information on my credit report. I waited the duration of 30 days still didn't hear anything. I sent another letter on XX/XX/XXXX following up with the initial claims still no answers
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

I recently found out that I have a lot of hard inquiries on my credit report. These are not factual reports I did not give consent nor did I give them permission I put a security freeze on my account off and a security lock on my account this morning I have contacted the company I noticed I gave them my full social security number my address my phone number all of my information and they could not find any account that was opened or attempted to get open however this company indicates and shows up on my credit report on all 3 credit bureaus. I am asking that this gets removed from my credit report within 30 days or I saw seek legal action. XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX here is the second complaint. 
XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX
Consumer complaint received 2021-09-29
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

Regarding : AMER ADJ BUR ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. As data furnisher please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts.

The account has not been verified and no HIPAA release has been provided to me for any of the medical debt and reporting of radiological services. The HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. HIPAA Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of PHI, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ).

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

Credit Management LP at XXXX XXXX XXXX XXXX XXXX TX XXXX has been mailing me collection letters via mail about a {$610.00} it is being reported as past I dont know this company this company does not have a contract with my signature because I have never done any business with this company
Consumer complaint received 2023-01-21
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)

Experian has not removed the inaccurate, false reporting by XXXX XXXX XXXX from XXXX, XXXX despite by multiple attempts and disputes. 

Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Consumer complaint received 2021-09-29
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)

This reporting agency is reporting information on my report that I have not given consent for them to furnish pursuant to 15 usc 1681b. I have sent them a letter on XX/XX/XXXX. It has been well over a month and they still have not completed their " Investigation '' They are continuing to furnish inaccurate accounts on my report and I demand these accounts be removed immediately as they have not complied with the legal time given to look into my case. If these accounts aren't removed immediately I will be seeking monetary remedy as they are committing fraud and identity theft.
Consumer complaint received 2021-09-29
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. (PA)

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 TransUnion about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who gave TransUnion permission to report anything on me in the first place? I need answers now!
Consumer complaint received 2021-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery A at XXXX XXXX XXXX XXXX VA XXXX has been mailing me collection letters via mail about a {$690.00} it is being reported as past I dont know this company this company does not have a contract with my signature because I have never done any business with this company
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

After being told by an auto insurance agent that I was involved in an auto accident in XXXX of XXXX, which I was not, I reached out to LexisNexis to secure a copy of the report the insurance company was referencing. The report showed another person/familys name, phone numbers, vehicles, addresses, and driving history. I submitted a dispute via phone call with LexisNexis and the agent informed me all was corrected and I would receive a copy of the corrected report. I never received a copy, and the accident still appears in my record, which lets me know everything wasnt resolved. I requested another report from Lexis Nexis in XX/XX/XXXX, and have yet to receive anything.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2021-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA ()

I have been paying my DLSCNS loans on a IDR since XXXX. My loans were originally with XXXX XXXX XXXX XXXX XXXX XXXX program from XXXX. Then cornerstone took over my loans in XXXX, of course I have no say in any of this, and they had my loans until XXXX. In XXXX another hand over occurred to Fedloan servicing. Back in XXXX, while with Cornerstone, I asked how many qualified payments I had on my account. I was curious, as I have been paying every month since XXXX. Cornerstone came back to me saying they were having trouble accessing the information from my previous loan servicer, XXXX XXXX. I said to them, " How is that my problem? You are a financial institution, and anytime you take over someones loan, you would naturally have all the information that goes with it? ". They said they would need sometime to go back through their records to follow up my query. Not too long after that phone conversation, my loans were sent to FedLoan servicing. 
The minute my loans went to the new servicer FedLoan, I questioned them straight away, about how many qualified payments I have. I got a response from them on XX/XX/XXXX, saying that I had XXXX qualified payments thus far. I immediately rang them up, and said that was incorrect, as I have been paying since XXXX, without any interruptions, and my wages are always certified every year, and no forbearance taken out. I was told that they would expedite my question and I would here from them in 3 business days. That was back in XX/XX/XXXX, I have followed up another time, and still no response. 
My loans should be nearing forgiveness, instead they tell me I have another 16 years to go. That would take me to XXXX, meaning I have been paying loans for 36 years. There is something fundamentally wrong with these Income driven repayment plans. 
I require any help that is possible, to get the correct and just outcome.
Consumer complaint received 2021-09-29
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 2021-09-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: First Direct Mediation (LA)

Plain green! 
First direct mediation has threatened me and even called my mother speaking about debt that I owe. They threatened that I did fraud. NEVER in my life did I commit. They threatened me that they have all my information and he couldve done something. He was very rude! When I asked for proof they told me they couldnt it wouldve take to long. Called me three times in less than a hour time frame. Even was told he was an attorney and rushing me to provide my payment information!
Consumer complaint received 2021-09-29
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. (PA)

This reporting agency is reporting information on my report that I have not given consent for them to furnish pursuant to 15 usc 1681b. I have sent them a letter on XX/XX/XXXX. It has been well over a month and they still have not completed their " Investigation '' They are continuing to furnish inaccurate accounts on my report and I demand these accounts be removed immediately as they have not complied with the legal time given to look into my case. If these accounts aren't removed immediately I will be seeking monetary remedy as they are committing fraud and identity theft.
Consumer complaint received 2021-09-29
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. (PA)

This reporting agency is reporting information on my report that I have not given consent for them to furnish pursuant to 15 usc 1681b. I have sent them a letter on XX/XX/XXXX. It has been well over a month and they still have not completed their " Investigation '' They are continuing to furnish inaccurate accounts on my report and I demand these accounts be removed immediately as they have not complied with the legal time given to look into my case. If these accounts aren't removed immediately I will be seeking monetary remedy as they are committing fraud and identity theft.
Consumer complaint received 2021-09-29
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: EQUIFAX, INC. (GA)

I submitted a letter to validate accounts on XXXX to.. I didn't hear anything from them so I filed a complaint XXXX with you guys. According to FCRA reporting agencies have 30 days to validate disputed items. It took them longer than 30 days therefore my request to remove disputed accounts should be honored. I have attached the letters which state the date of Equifax response.
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

I hereby request the deletion of a charge off on my credit report by CITICARDS CBNA due to inaccurate information, the furnisher is unable to provide me with the copy of 1099C used in writing off the debt with the IRS to know how much the debt was charged off. The furnisher has not been able to provide this information since over 30 days as required by law. 

In this regard, kindly delete the charge off due to inaccurate information due to inaccurate information.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

On XX/XX/2021 I sent a letter to PORTFOLIO RECOVERY. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (IA)

On XX/XX/2021 I sent a letter to DIVERSIFIED ADJUSTMENT SERVICE, INC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

XX/XX/2021 Capital One Application ID : XXXX Incoect spelling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, DeXXXX Every month or two I get a notice of credit denial from them, saying I applied for a credit card. I have not applied. Not from Capital One or any one else. I trying to steer clear of these blood sucking, high intrest loan sharks.