davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Please delete the following information permanently off from the Personal Information section : Attached is copy of my valid Pennsylvania drivers license of how my name has to appear on my credit file. My name is XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BARCLAYS BANK DELAWARE (NH)

I received a VM from XXXX stating they were trying to get hold of me for a debt and will settle for 50 % off if I call right now to a different number XXXX. I did and a rude woman told me she was with XXXX XXXX and was calling on behalf of Juniper Bank for a debt. I once had a debt with this bank 12YEARS ago and the statute of limitations has surely expired by now. I tried to work with Juniper all those years ago and they would not, so I gave up. Now 12 years later I get constant phone calls from this XXXX never from the same blocked number. Always from a bogus number my phone does not recognize as blocked. I have told them to stop calling me on a statute of limitations expired debt, but they keep calling me. I have had to change my numbers numerous times now because they just continue to call. It is to the point of total harassment by them XXXX and Juniper Bank and it needs to STOP. I have contacted you before about this same company!!! Also I never confirmed who I was to this woman I called at the XXXX number, but she gave out information anyway not knowing I was whom they were even looking for. She only knew who I was by her caller ID showing my number they keep harassing me on.I heard I can start charging this company money and wish to do so If I can.
Consumer complaint received 2020-08-11
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: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

The company Automobile Acceptance Corporation ran my credit without my permission. I originally got a voicemail saying they needed to speak with me about my loan application. Then I got a email saying they would like to speak with me about application. I then called and told them I never applied for a loan application. I then check my credit and see they have ran my information without my permission.
Consumer complaint received 2020-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX is reporting a collection account to XXXX   & Transunion. I have disputed the information with these companies over 30 days ago and I have not received any correspondence from them. The account in question is below : Creditor : XXXX XXXX  ( Original Creditor : XXXX XXXX Balance : XXXX Account : XXXX
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX  ; Experian and XXXX  should not be reporting any lates on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report ; list of accounts and spreadsheet. ) XXXX XXXX XXXX out of XXXX, Georgia is currently in a class action lawsuit for not keeping promises made to students. They guaranteed they would assist in finding work after graduation, providing externships, and if needed, the college would provide additional education. I never received my Certificate for completing the program and the college has since lost its accreditation, has been closed, and consequently my education is completely worthless. ( I have attached one of numerous articles relating to the misrepresentation from the college for reference. ) I have on multiple occasions tried to reach the college however, the office is closed and there is no forwarding telephone number or address. The false reporting of lates on these student loans is seriously harming my credit score and these line items need to be removed from my credit report. I have also tried contacting the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-08-11
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. (AL)

In XX/XX/2020 I filed a dispute with the three major credit bureaus XXXX, Equifax and XXXX about the unverified account XXXX XXXXaccount # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX. XXXX acct # XXXX, XXXX   acct # XXXX and XXXX XXXX  acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today. Thank you
Consumer complaint received 2020-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XX/XX/2020 I filed a dispute with the three major credit bureaus XXXX, XXXX and Transunion about the unverified account XXXX XXXXaccount # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX. XXXX acct # XXXX, XXXX   acct # XXXX and XXXX XXXX acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today. Thank you
Consumer complaint received 2020-06-17
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. (GA)

XXXX  ; XXXX  and Transunion should not be reporting any lates on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report ; list of accounts and spreadsheet. ) XXXX XXXX XXXX out of XXXX, Georgia is currently in a class action lawsuit for not keeping promises made to students. They guaranteed they would assist in finding work after graduation, providing externships, and if needed, the college would provide additional education. I never received my Certificate for completing the program and the college has since lost its accreditation, has been closed, and consequently my education is completely worthless. ( I have attached one of numerous articles relating to the misrepresentation from the college for reference. ) I have on multiple occasions tried to reach the college however, the office is closed and there is no forwarding telephone number or address. The false reporting of lates on these student loans is seriously harming my credit score and these line items need to be removed from my credit report. I have also tried contacting the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-17
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. (MD)

I reached out to the XXXX company and to the credit bureaus for the late on my report that is incorrect. I received a response from the bureaus that it was deemed correct. And i am asking that the last 30 days late be removed from the report. The late was XXXX XXXX, and also XX/XX/19.
Consumer complaint received 2020-08-11
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$2000.00} XXXX XXXX {$540.00} XXXX   XXXX {$1200.00} XXXX XXXX {$24000.00}
Consumer complaint received 2020-08-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (NC)

Shell Credit Services/ Citi Group is in violation of my Cease and Desist Order due to the fact they had closed this account back in the spring of 2020 and I decided to turn several of my credit cards over to XXXX XXXX XXXX  XXXX for Debt Relief and I initially wrote Shell  notifying them that the account in question had been sold as of XX/XX/2020 and for them to contact XXXX XXXX XXXX  XXXX . Since then I have mailed them 3 Cease and Desist Orders requesting that they not contact me any further and telling them repeatedly that XXXX XXXX XXXX  XXXX needs to be contacted. 
The most recent order has not had time to get there it was just mailed out yesterday, however with that being said they repeatedly call here and have done everything in their power to get me to answer the phone ( blocked the number, shows unknown number, hides their company name, hides their number, shows potential spam ) They received one of the letters but their response said We appreciate you contacting us concerning your account however, we need to speak directly to you and we do not need to speak to anybody else. 
I have answered telling them not to call me any further and to call XXXX repeatedly or either they leave me a message that they need to speak to me directly. The number comes up as an unknown number but they have left a message with a call back number, XXXX. The most recent contact from them was an email on XX/XX/XXXX, XXXXfrmanding to make a payment now and to login on my account to make the payment and then they called in on Sunday XX/XX/2020 requesting the same and stating that it is important
Consumer complaint received 2020-06-17
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is becoming a daily occurrence of trying to rectify the identity theft issues that continue to happen. I have sent for the last 6 months certified letters requesting this information be removed from my credit report. I continue to submit documentation to the credit bureaus and I have had no response. The fraudulent accounts that are reporting is XXXX and XXXX XXXX. 

I have attached an FTC Identity Theft report and I am currently awaiting the police report.
Consumer complaint received 2020-08-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TN)

My mortgage was transferred from XXXX XXXX to Lakeview Loan Servicing LLC as of XX/XX/2020. Lakeview Loan Servicing LLC has listed my property address incorrectly for a home that I am in no way associated with. I have spoken to XXXX XXXX XXXX XXXX multiple times and they informed me that I will have to obtain a XXXX form from the XXXX XXXX and mail it to them to correct this. I have been to multiple post offices and they have no knowledge of this form. I do not appreciate that XXXX XXXX XXXX XXXX is making me try to fix this problem myself when they are the ones that created the issue. I am extremely worried that i have been paying for the wrong property and my property may be foreclosed on due to payments not being processed for it.
Consumer complaint received 2020-08-11
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: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$140.00} XXXX XXXX
Consumer complaint received 2020-06-17
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (TN)

I just today XXXX XX/XX/2020 XXXX received a physical letter saying they are collecting the debt of {$150.00}. They have today alone called my daughter, my brother in law, my sister, my father, my husband all before calling me at all. I will attach the message from my brother in law. As soon as I received a message ( they use a " unknown/spam '' number ) I called them. By then my phone was already ringing while on the call from them yet again, granted yet another number so I did not know until I got that message. After making an arrangement I called back and the woman was very rude and abusive.
Consumer complaint received 2020-08-11
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$140.00} XXXX XXXX
Consumer complaint received 2020-04-16
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. (FL)

I am in the process of looking into buying a new home and was discouraged to find out that my credit has dropped immensely which is hindering my ability to close on my home. I am writing this due to non compliance with XXXX, Equifax, and XXXX. They have failed to remove information that was affiliated with personal details that were INACCURATE and challenged in the past. I strongly believe that they are in violation of the FCRA ( Fair Credit Reporting Act ) and are outright refusing to to uphold the law.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I recently pulled a copy of my credit report and noticed accounts that I have not authorized nor have any affiliation with. I contacted the credit reporting agencies to resolve the issue and also request method of verification. I have not received a formal response, and these fraudulent accounts reporting to my profile are severely impacting my ability to obtain credit. 

I have the right to privacy and have not given any written consent for this information to be furnished to my profile which is now in violation of 15 USC 1681b Furnishing fraudulent account in direct result to identity theft is in violation of 15 USC 1681 c-2. 

I requested addresses be removed from profile where I've never resided to prevent erroneous information from being furnished to my report. This issue still hasn't been resolved.
Consumer complaint received 2020-08-11
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. (LA)

In XX/XX/2020, I filed a dispute with Experian, XXXX  and XXXX   credit bureaus about the inaccurate reporting from XXXX and XXXX for reporting late payments inaccurately on my credit report and these items should be removed according to the FCRA act. in This time I have not yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these XXXX unverified accounts as of today. Thank you
Consumer complaint received 2020-08-11
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)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$140.00} XXXX XXXX
Consumer complaint received 2020-08-11
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDEPTED XXXX {$1700.00} USDEPTEDXXXX {$2200.00} USDEPTED XXXX {$13000.00} USDEPTED XXXX {$6900.00}
Consumer complaint received 2022-10-30
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: Oliver Adjustment Co. (GA)

15 u.s code 3 1681a DEFINITION ; RULES OF CONSTRUCTION ( 3 ) RESTRICTIONS ON SHARING OF MEDICAL INFORMATION. EXCEPT FOR INFORMATION OR ANY COMMUNICATION OF INFORMATION DISCLOSED AS PROVIDED IN SECTION 1681B G ( 3 ) of this title, the exclusions in paragraph 2 shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( I ) Medical Information 1. Means information or data whether oral or recorded in any form or medium created by or derived from a health care provider or the consumer that relates to ( A ) the past, the present or future physical, mental or behavior health or condition of an individual ; ( B ) the provision of health care to an individual or ( C ) the payment for the provision of health care to an individual. ( 2 ) DOES NOT INCLUDE THE AGE OR GENDER OF A CONSUMER DEMOGRAPHIC INFORMATION INCLUDING A CONSUMER RESIDENCE ADDRESS OR EMAIL ADDRESS OR ANY OTHER INFORMATION ABOUT A CONSUMER THAT DOES NOT RELATE TO THE PHYSICAL MENTAL OR BEHAVIOR HEALTH OR CONDITION OF A CONSUMER INCLUDING THE EXISTENCE OR VALUE OF ANY INSURANCE POLICY, REMOVE THESE ACCOUNTS IMMEDIATELY.YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER REMOVE THESE ACCOUNTS IMMEDIATELY
Consumer complaint received 2020-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

I bought a family plan for mobile phones and services with XXXX in XXXX. In XXXX I made a complaint with XXXX because from the beginning it had been charging me {$30.00} every month. XXXX did not solve the problem for me. I am aware of the complaint with XXXX XXXX for the return of the amount it owed me, which was approximately {$700.00}. XXXX  XXXX decided in my favor and of the payments that I had made every month, it returned about {$700.00}. Now the collections company XXXX Resource Management with the telephone number ( XXXX ) XXXX They call me threatening saying that he is a lawyer. They also sent an account for {$1700.00} to the credit company XXXX, XXXX, and XXXX. At XXXX  it appears with the account number XXXX XXXX XXXX XXXX XXXX, Mi XXXX Phone XXXX XXXX.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.