davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
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. (MO)

I ordered a copy of my report in XXXX  dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian and XXXX have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe was reported in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

The department of Education approved income based repayment plan for me. 
{$20.00} per month for year 2020. 

However, Navient company notified to me past due of {$850.00}. And also {$94.00} for XX/XX/2020 and then {$99.00} for XX/XX/2020. 

I don't understand which one is the right amount of payment. 
Thank you
Consumer complaint received 2020-01-05
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: LEXISNEXIS (CT)

I am a victim of fraud and XXXX is illegal helping XXXX XXXX XXXX because XXXX XXXX XXXX invested into XXXX fact. My right are been taken away from me
Consumer complaint received 2023-07-05
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. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (KS)

A company called Alliance Data has been calling me about a so-called " urgent matter '' related to my XXXX XXXX account since XX/XX/XXXX. I haven't used this card in at least 5 years. 

In fact, the card is still under my maiden name, because that's how long it's been since I've used it. I never updated it because I completely forgot I had this card. 

Fast forward to now. I get at least 3 calls a week from Alliance Data, claiming that I owe a debt for this card. I've asked them repeatedly to verify this debt in writing, but they haven't sent me anything. 

I know I don't owe this debt. Which is why they can't provide written verification for it. 

Today, Monday, XX/XX/XXXX, at XXXX XXXX  Central Time, I called them back and spoke with XXXX, who was very rude. She got an attitude with me because I didn't have all the account information. I told her that, unless Alliance Data can verify this debt ( which they can't ), to stop calling me. 

After that conversation, I wrote and sent a letter ( see attached PDF ) to XXXX XXXX to notify them of this situation.
Consumer complaint received 2020-01-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (VA)

Was given an amount for 2 accounts that were open and set up payment plan. Person stated the accounts were combined. Sent money and payed off in XXXX. Still receiving calls and mail when credit report shows everything has been payed. Can't get correct amount of money owed because it's been going on so long and the customer service for CRME doesn't know anything about it, they just go off what's currently on the computer screen.
Consumer complaint received 2019-12-31
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)

A copy of section 605B of the Fair Credit Reporting Act, which 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. 

The following accounts were not removed after the time frame required by law. 
See below. 

XXXX XXXX Account Number XXXX {$9300.00} XX/XX/2019 XXXX/XXXX   Account Number XXXX {$380.00} XX/XX/2019 XXXX/XXXX {$100.00} XX/XX/2019 XXXX XXXX Account Number XXXX {$40000.00} XX/XX/2019 XXXX Account Number XXXX {$4400.00} XX/XX/2019
Consumer complaint received 2022-12-26
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)

This is my fourth 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
Consumer complaint received 2022-12-26
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)

This is my fourth 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
Consumer complaint received 2022-12-26
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. (CA)

Experian, XXXX XXXX XXXX are in violation According to 15 U.S. Code 1681a - Definitions ; rules of construction states Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. The following accounts are in violations for reporting such information without consent. XXXX XXXXXXXX Bank Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX & XXXX, XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hilco Receivables LLC (VA)

I paid my account off in XXXX, Three years later I received phone calls & threats demanding payment. I have already paid three times what the appliance cost. Now they have a collection agency taking me to court sueing me for payment. The court date is XX/XX/XXXX. I just recently discovered USA Discounters was sued in XXXX, how can they make me pay twice for the same product. I moved from the address USA Discounters had on file. I did not receive notice of the lawsuit filed against USA Discounters. I did not keep my paper work for the products I purchased in XXXX. Multiple states have sued them for consumer fruad, abuse dept collection and deceptive advertising. The court date is XX/XX/XXXX in XXXX VA. Please Help.
Consumer complaint received 2022-12-26
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: Bridgecrest Acceptance Corporation (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. 

Bridgecrest/ Acct # XXXX, XXXX XXXX  XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct 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 2020-01-07
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. (AL)

I notified the credit bureau Equifax of a fraudulent account on my credit report 3 times from XXXX XXXX. I provided legalized documentation to support that this account doesn't belong to me and that I had been a victim of identity theft each time I have notified them. The credit bureau Equifax refuse to  remove the erroneous reporting account. I have notified all credit bureaus and the other 2 XXXX and XXXX have investigated and removed the fraudulent account that stemmed from identity theft but Equifax will not properly resolve this issue. I am a XXXX veteran that is XXXX and I am sincerely saddened by this situation.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2016 Loan Type XXXX XXXX  ACCOUNT Past Due {$700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX  PLACED FOR COLLECTION in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-02-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (NC)

ECMC on the behalf of its servicer XXXX will not furnish proof that they own the debt and I owe the debt. I have requested original documents from the original creditor that were executed and authorized by me, however ECMC ( & XXXX ) have failed to furnish me the original documents that they are required to have on file under the FCRA and FDCPA. 

In addition, I requested a copy of the contract agreement that gave authorization for ECMC to be my guarantor, when I never signed any agreement initial with ECMC nor XXXX. Both companies have failed to respond to my request and confirmed that they can not. ( See attachments ) ECMC has furnished an account number that does not establish its affiliation with original creditor loan number. As well XXXX furnishes a different account number. Through discovery under the FCRA & FDCPA all accounts must accurately correlate and have an affiliation with the original creditor loan number existing.
Consumer complaint received 2022-12-26
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. (RI)

I am reporting information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the information to be reported on my consumer report. I am requesting that this information be blocked and deleted from my report. My request to block is not made in error ; nor is my request being made on the basis of material mis representation. The identified transactions are copyright infringement as they do not have my consent to use my copyright trademark for any reason. 

XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

Thank you
Consumer complaint received 2023-03-09
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. (CA)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$9700.00} XX/XX/XXXX XXXX XXXX {$9700.00} XXXX XXXX, XXXX
Consumer complaint received 2020-01-07
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. (CO)

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX and XXXX accounts. ( Please see pages 2 6 and 9 14 of the attached credit report. I have also attached a spreadsheet with each account number ). These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Comerica (CA)

On XXXX XXXX XXXX XXXX, Wednesday, XX/XX/2020, between the time of XXXX through XXXX, the XXXX XXXX walk-up ATM at XXXX XXXX Street in XXXX, California malfunctioned after I selected to withdraw {$900.00} from my Direct Express Mastercard ending in XXXX AND SO NO CASH WAS DISPENSED! Because of the XXXX XXXX 's XXXX holiday, the XXXX XXXX branch was closed so I was unable to speak with anyone in person. I called DIrect Express Mastercard at XXXX and filed a claim dispute on the same day of XX/XX/2020 and was given a service request number, and I was advised to fax an affidavit explaining what occurred as soon as possible to prevent any recovery of my money from being delayed. I faxed the requested information to Direct Express on Friday, XX/XX/2020, and on XX/XX/2020 Direct Express Mastercard supervisor/manager XXXX confirmed receipt of my affidavit. HOWEVER, from XX/XX/2020 through XX/XX/2020 I was unable to get through to speak with ANYONE at Direct Express Mastercard. Either I was unable to remain on hold for an hour or my call was disconnected by Direct Express Mastercard due to heavy call volumes. Finally, today, this morning after calling Direct Express a second time since my first call was disconnected after being placed on hold for management, XXXX or Direct Express Mastercard advised me that on or before XX/XX/2020, FIFTEEN DAYS after filing my ATM claim, Direct Express Mastercard response will be available. I requested that XXXX submit a message to the investigation unit advising them that they had ONLY TEN DAYS from the date of XX/XX/2020 to issue me a provisional credit. And XXXX confirmed receipt of my affidavit on friday, XX/XX/2020, two days after filing my ATM claim. And in speaking to XXXX XXXX branch manager XXXX XXXX yesterday on XX/XX/2020 at XXXX, he advised me that after balancing the walk-up ATM yesterday, a discrepancy was identified in the total amount of cash the ATM was suppose to have in comparison to the total amount of cash actually present inside the ATM. I also reported this same information to XXXX during my call. The {$900.00} was part of my monthly Social Security payment, and I have no money whatsoever.
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

To Whom It May Concern : Experian is unlawfully breaking FCRA by not removing a collection off my account that I have disputed with them many times and I have asked for them to provide me evidence from this collection agency. The account is XXXX XXXX XXXX. Experian has failed to provide me evidence and in return come with verified without showing me evidence or telling me how they verified it. The same collection company has closed and removed this collection off my credit report on XXXX. When disputing this item Experian came with an update or verified within 2 days of filing dispute. They did not do proper investigation. Please remove this collection off my credit report that I do not own or else I will have to file a lawsuit. Thank you in advance.
Consumer complaint received 2020-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lake City Credit (TN)

I've repeatedly explained to the very rude representatives from Lake City Credit that this is an old debt that was paid over 10 years ago, and they become increasingly hostile. They keep repeating things like " You can not run away from this debt '', and " Pay the debt that you owe! ", etc. I have repeatedly told them to cease calling my phone number, yet the calls continue and their tone grows increasingly menacing.
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (IN)

I have a " Uber '' branded Barclays Credit Card. This card have a {$50.00} annual credit for subscription services such as XXXX XXXX, XXXX, XXXX. Their rewards center shows I reached my {$5000.00} threshold and on XX/XX/XXXX a {$12.00} XXXX charge was charged to my account. Their site says it may take up to 5 days for the credit to show up. As of XX/XX/XXXX the credit has still not shown up. I reported the issue on XX/XX/XXXX via their email portal, and followed up XX/XX/XXXX and XX/XX/XXXX via online chat but the issue has still not been resolved. They confirmed in the XX/XX/XXXX chat that I am owed the credit.
Consumer complaint received 2019-12-31
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. (TX)

TRANSUNION -- -allowing falsified information on my account, and not allowing me access online. First, the falsified account is for {$4000.00} entered by XXXX XXXX and this debt does not exist ; XXXX can not prove or show a contract because there is no contract. I have asked multiple times for this to be deleted and Transunion is not enforcing any honest guidelines for reporting. Second, on Transunion 's online dashboard, I am locked out because my last name changed. I have faxed in my proof of name change and called multiple times. They have changed my name internally so that their phone reps can see the change, but have not changed the website to give me access to the dashboard and be able to see my personal information. Multiple requests and extremely difficult to get Transunion to respond to me as a consumer. 

XXXX XXXX -- - has no contract for this supposed debt. I have been disputing this debt for a long time, and they are repeatedly closing the disputes by simply re-entering the same information. ( Why does the credit bureau allow this? Very corrupt. ) Please DELETE this debt for {$4000.00}, as the entry is false.
Consumer complaint received 2023-07-06
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-06
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: Bright Capital Inc (CA)

Received notification that I received a credit inquiry from a company listed as " XXXX '' which was listed on all major credit reporting agencies. I did not authorize this inquiry. I contacted the reporting company, and they have yet responded to this serious matter.