davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (RI)

In XX/XX/2020, I noticed that a new collection account was added to my credit bureau. I contacted the collection agency listed, Receivable Performance Management, and let them know that this " collection '' had been paid years ago. 

At the time, I had had numerous problems with XXXX, to the point where I had written letters to the headquarters regarding incorrect overcharges on my account. XXXX had once refunded me more than {$200.00} because I ( finally XXXX noticed they had been charging me every month for a streaming service I did not have. They also had to refund me money for some type of insurance that I never requested. Insurance that I had, in fact, denied at the time of purchasing a phone from them. Apparently the sales agent added it anyway. 

After years of headaches with XXXX, their inaccurate billing and awful customer service, I decided to go to another phone company. When I attempted to do so, I could not, because my phone was " locked '' by XXXX and I had a balance on my account with them. In order for me to have the phone unlocked, I had to pay the balance in full, which I did. 

I sent the collection agency the only proof of payment that I have, which is the first email from XXXX stating that I owe money and they won't unlock the phone, and the second email from XXXX with instructions as how to unlock the phone -- sent to me because I paid the balance in full! 

XXXX was a nightmare to deal with and I have been overcharged and fraudulently charged by them on NUMEROUS occasions. I do not know what took me so long to leave them! I would be in tears over the hours it would spend and the hoops I would have to jump through to get someone at XXXX to resolve something. So now, after all these years of being free of them, I am LIVID that this is on my credit bureau. 

The collection agency said they contacted XXXX, and that XXXX refused my dispute. If I were in a position to do so, I would hire an attorney over this {$150.00}, have the entire transaction history examined, and in the end, it would likely show that they owe ME money. I was so busying working fun time and going to school in the evenings, I did not have time to analyze all of my bills. Being naive, I just paid it, until the day I realized that I was overpaying for things I didn't even have. 

Thus, if you are able to do so, I'd like you to see EVERY dispute that I had with them, EVERY refund they had to give ME, every emails or letter I had to send them, all the incorrect bills. I do NOT owe this money, and I wish I had the means to sue XXXX for putting a consumer through this! Please help me resolve this and remove this from my credit bureau.
Consumer complaint received 2024-03-19
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. (MN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2020-06-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. Company Inquiries : 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 2020-08-05
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: Franklin Financial  Corporation (WI)

To whom it may concern. I would like to file a complaint on these companies. These things should not be on my credit because I never signed a contract with them. I believe that I am being scammed, because I been paying on bills and I don't owe it to these particular businesses. Please assist me in these matter so that I can better my credit. 


XXXX XXXX Current XXXX Opened {$62000.00}
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (CA)

My letter of XX/XX/XXXX sent to Citibank via both USPS and email has gone unanswered. I find Citibank 's complete lack of response unacceptable and therefore have instituted a complaint through the Consumer Finance Department. 

My letter ( attached ) clearly states that Citibank does not properly report my account history to any credit reporting agency. In fact, Citibank has been using my credit history ( FICO score ) to modify my credit limit, while at the same time failing to report my spotless credit history with Citibank. I say spotless, because since XXXX, there has never been a missed payment. There are no late payments to report. Spotless, but Citibank is not reporting it to my credit history with social security ending in ****.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

All three bureaus are not reflecting my true longest credit history and applying it to the FICO formula. I want this information corrected by determination and send out to credit bureaus to make changes.
Consumer complaint received 2023-01-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

HEY, I sent multiple letters asking Experian, XXXX, and XXXX. Here is my tracking number XXXX. 
It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i- Experian, XXXX XXXX and XXXX have XXXX to investigate and send me the results. 

And they also didnt even record the current status of the disputed information which is another violation. 

Also If they are doing investigation why arent they showing me documented proof. 
THEY CAN NOT GET PROOF FROM THE COLLECTION AGENCIES OR JUST BY CALLING THEY NEED DOCUMENTATION.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (MI)

I am writing to dispute the following information on my credit file. I Have recently received a copy of my XXXX, Experian and XXXX credit reports. The credit reports are STILL showing inquiries that I DO NOT HAVE A OPEN ACCOUNT WITH, and unauthorized. Pursuant to 15 USC 1681 Any inquiries that I DO NOT have a open account with must be removed. This Law also states that for every unauthorized inquiry, by law I am entitled to XXXX per violation. Remove these inquiries immediately, for they are harming me and they are making it extremely difficult for me to acquire credit. I have disputed ALL of these items more once, this is my last attempt to settle this matter. The FCRA also states that the only permissible purpose for pulling someones credit is for A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissable : XXXX XXXX XXXX CARD 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 REPORTERS Please remove these inquiries immediatley.
Consumer complaint received 2022-11-06
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. (NY)

In accordance with the Fair Credit Reporting act 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  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 2020-08-05
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: EQUIFAX, INC. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$740.00} XXXX XXXX   XXXX $ XXXX XXXX {$1100.00} XXXX XXXX XXXX {$430.00} XXXX
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a kohls credit card which is now in collection. the problem is the amount is wrong and the dates are wrong and inaccurate. please also provide me proof of ownership of this debt via a written contract signed by me with my signature, If you do not provide such proof you must delete this account by law,
Consumer complaint received 2022-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC. (CA)

The XXXX is no longer in me or my mothers name. We sold the car to XXXX XXXX of XXXX, CA. 

Remove or mark as paid in full. We are no longer liable for the XXXX XXXX XXXX. 

See attached for release of liability. Date of Sale XX/XX/XXXX. 

All calls should've been stopped, as we are not the owners anymore or liable for the car loan anymore!
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: Resurgent Capital Services L.P. (MO)

15 USC 1681 SECTION 602 : I HAVE THE RIGHT TO PRIVACY 15 USC SECTION 604 SECTION 2 : A CONSUMER XXXX XXXX AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAT NIT TREAT A PAYMENT ON A CREDIT CARD OPEN END END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Consumer complaint received 2022-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (MA)

Security Credit Services LLC Starting in XXXX law- suit against myself was filed by this company regarding a credit card debt. XX/XX/XXXX, I was facing a serious health treat was not working at the time, as I was starting XXXX treatment. At that time an agreement form was completed at the court outlining my inability to pay. 
in XXXX, once again they filed a petition, where according to court documents the case was dismissed after they fail to service. Security credit services transferred/sold to several Attorney groups. a few weeks ago, I discovered even after case had been dismissed, they had placed a lean on the home dated XXXX. Security Credit Services not only placed a lien on a home after case was dismissed also failed to update /notify the XXXX XXXX court to update system indicating case had been dismissed. Due to this action, I'm having a hard time applying for a loan. During the last XXXX weeks have contacted every attorney group involved with this case and none has any records whatsoever of this file/debt. I have also contacted Security Credit Services
Consumer complaint received 2020-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/2019 purchased a vehicle and had been preapproved with XXXX XXXX. Let Salesman XXXX XXXX and Finance manager XXXX I think his name was know I had preapproval. I do not want my credit submitted to any other Company. Made sure they clearly understood that and they said several times no problem, they wouldnt submit to anyone else. I get alert that there are several banks who have done an inquiry on me and consent was from XXXX. I called in and I speak with XXXX who im told is head of finance. She says the inquiries hard inquiries do not affect my credit and I tell her I know what I am seeing on my report. She stated her employee was just trying to get me a better rate and now he is the bad guy villian for trying to help me out. I told her I strictly told them I didnt want me info shopped around and was assured that it wouldnt be because I had a preapproval already. I get a call from store manager XXXX saying they were going to take care of the inquiries by submitting the information to the credit bureaus. XXXX never resolved the issue as the inquiries are still there as of today.
Consumer complaint received 2020-10-01
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

How are you doing during this pandemic? Taking more than 60-90 days - i was not late. Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late on the days shown. Something is weird going on my account. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-10-01
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: Experian Information Solutions Inc. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-03-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a letter from my employer stating my wages are going to start being garnished by Midland Funding. ( Original Account XXXX ) This debt is at least 10 years old to my understanding it is considered time bared debt making it pass the statue of limitations. Currently my wages are being garnished for the last 2 months at 25 percent.
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY (NJ)

I want to hook up my bank account with XXXX which I had and want to rehook it up but it says you are blocking me from enabling external apps. I want that xhanged. I have the right to do anything legaL WITH IT AND YOUR STOPPING ME.
Consumer complaint received 2020-10-01
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: EQUIFAX, INC. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-10-01
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. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paradigm Assets, LLC (LA)

I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions. Please respond to this complaint with the Validation of debt attached.
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (AL)

This account was dispute and removed off my report on XXXX to XXXX with XXXX XXXX XXXX  for {$730.00} upon checking my report Sunrise Credit Services has reinserted this account without my knowledge i dont have a contract with this company and im requesting removal and my attorney is now working on this case
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent my letter off on XX/XX/2022 I told the credit bureaus to Investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX ( XXXX ) Tracking # XXXX ( Transunion ) Tracking # XXXX ( XXXX ) According to the FRCA the term Investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. I would like to know who did they talk to and how did they complete this investigation? Also, every piece of information on these accounts are still NOT reporting 100 % ACCURATE. And according to the FRCA 15 USC 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. AccXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bankruptcy XXXX Reference number # XXXX US DEPT. OF EDUCATIONXXXX Account # XXXX