davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX 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 2020-03-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

In XX/XX/2020 I had 2 inquires reported. I reported fraud about these inquires I didn't apply for credit. Experian score before the inquires placed on the credit report was XXXX. After the inquires placed the score went down XXXX. I called Experian and disputed the inquires. They deleted the inquires and my score still XXXX. I called them to inquire and they had nothing to say.
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

To whom it may concern, My Step daughter XXXX XXXX was allowed by a franchised location of XXXX to purchase a new phone under my plan without my consent. For months I was forced to pay the premium insurance charges on my account in addition to the phone line. We I called XXXX and explained the situation they agreed to get that line and the phone out of my name. When the next month came, I noticed the phone was still on my bill. I called to complain and I was informed they could not and would not remove the phone from my name. I decided to move to XXXX. I tried to return the phone however XXXX refused to take the phone back. XXXX would have only help me pay the balance off if there was a number attached to the phone that I was moving to XXXX. Obviously that was not the case. I was not going to allow my step-daughter to have another line under my name. This balance is not my responsibility. I never signed for the phone and I was told it would be removed from my name. Please delete this from my credit.
Consumer complaint received 2023-02-12
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: Resurgent Capital Services L.P. (GA)

I am victim of identity theft and someone used my personal information to obtain this fraudulent account in my name without my consent. I am requesting for your company to delete and remove this fraudulent account from all three major credit reporting agencies or legal actions will be taken against your company. I did not benefit from any goods or services of this fraudulent account. I have also attached a copy of my police report filed with the XXXX Police Department. 

My rights have been violated. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-12
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. (NC)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an 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 and other adverse items of information, other than records of conviction 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 2023-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

Source Receivables Management is trying to collect a debt that was sold to them by XXXX. I never signed any agreement with Source Receivables Management. I sent a certified letter to them requesting a contract that has my signature on it stating that I owed their company. They sent me the contract from XXXX. XXXX has already written off this debt and received a tax credit for the debt. Also, Source Receivables Management is not licensed in the State of Georgia to collect debts. I have sent certified letters to XXXX, XXXX, and XXXX making them aware that Source Receivables Management can not collect in Georgia and they still verify the debt and leave it on my credit. I provided the credit bureaus with the information that i received from Source Receivables Management. XXXX has stated that they verified the debt via XXXX XXXX. My XXXX XXXX account has been frozen fro over two years. Not sure how they are able to get information from XXXX XXXX when my account is frozen. My account has also been frozen with XXXX, XXXX and XXXX. It is very evident that XXXX, XXXX and XXXX are not reading the correspondence that shows the evidence of my complaint.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

I have a Federal Perkins loan from XXXX XXXX XXXX XXXX  ( Account XXXX XXXX ), which was serviced by XXXX ( XXXX XXXX account is- XXXX XXXX XXXX XXXX XXXX XXXX In my Federal Student Account the Perkins loan is showing a balance of {$270.00} which is currently being reported incorrectly. The balance of the loan is actually {$0.00} and was paid off in XXXX. The loan is also being reported incorrectly to credit agencies, as a balance of {$270.00} when it should be reported with {$0.00} balance and paid. Please see the payoff letter from the XXXX XXXX XXXX below. 

I have contacted the servicer ( XXXX  ) multiple times and asked them report this Perkins as paid in full and owing {$0.00}. This Perkins loan  has been paid off since XXXX and XXXX has incorrectly been reporting a balance owed from XXXX present day XXXX.
Consumer complaint received 2023-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Consumer Finance Protection Bureau, I am writing to bring to your attention a serious issue that I have been facing with fraudulent inquiries made on my credit report with all three credit bureaus ( XXXX, XXXX, and TransUnion ). Despite numerous disputes that I have raised with the credit bureaus, they have refused to remove the fraudulent inquiries, which is causing me undue stress and financial harm. Please see below a list of inquires I want removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED, XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), credit bureaus have a legal obligation to maintain accurate and up-to-date information on consumers ' credit reports. They must also take reasonable steps to verify the accuracy of the information that is reported to them, and remove any information that is found to be inaccurate or incomplete. 

In my case, the fraudulent inquiries that have been made on my credit report are affecting my credit score and making it difficult for me to obtain loans or credit. I have made repeated requests to the credit bureaus to investigate and remove these fraudulent inquiries, but my requests have been ignored or denied. 

I demand that the credit bureaus take immediate action to investigate the fraudulent inquiries and remove them from my credit report in accordance with their obligations under the FCRA. I also request that you take appropriate action to enforce the provisions of the FCRA and hold the credit bureaus accountable for their failure to comply with their legal obligations. 

Thank you for your prompt attention to this matter. I look forward to a resolution that will help me restore my credit standing and repair the damage caused by the fraudulent inquiries. 

Respectfully, XXXX XXXX Formally known as XXXX XXXX
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I have tried unsuccessfully to unlock my credit report for over 1 week now. 
The credit reporting bureau I am complaining about is Equifax. 
I froze my credit report 1 year ago, at which time I was issued a PIN. 

I needed to apply for a medical loan, and can not get my report unlocked because Equifax stopped using PIN 's and instead requires a myEquifax account, which I did not have. Upon trying to create an account, I was directed multiple times to contact their Customer Care. The phone number is anything but customer care. 
It's a voice response system that appears designed to avoid letting you talk to a human being. 

After many attempts, I was given a fax number to send a form to making my request. 
48 Hours after submitting my form and drivers license/social security card information to their black hole, not only do I still have a locked report -- but I can't even sign in online. 

What a pain!
Consumer complaint received 2023-05-25
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. (IL)

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 XXXX XXXX XXXXXXXX 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 an 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. You sent this information to the Credit Bureaus and they said everything was verified. I asked for proof from the credit bureaus but none was ever give. According to the FCRA the credit bureaus must give me the proof that i asked for to validate these accounts. I asked for the name of the person validating their position their mailing address and their phone number. I never received any information, but everything was verified as correct. I am also attaching a copy of the request and letter that i sent to the credit bureaus.
Consumer complaint received 2023-05-25
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. (FL)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.
Consumer complaint received 2020-03-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (IL)

The law firm is trying to collect after the statute of limitations. The paper work sent is not complete or signed by the bank. I have never heard of XXXX XXXX.
Consumer complaint received 2024-03-21
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC (TX)

National Debt Relief is a fraudulent company. They provide terrible financial guidance and advice and put you in a much worse position then you would have been before signing up. They operate in a secrecy fraudulent manner where they will make your accounts go into delinquency, charge you 20 % " negotiation fee '' on top of each account that they " negotiate '' on your behalf, and do barely any work. They will " negotiate '' the smallest credit card first so that they can capitalize on making as much money as possible on your highest credit card that eventually goes into delinquency then collections by another law firm who then tries to sue you. XXXX also expects you to put XXXX the amount of the minimum deposit that they proposed for every deposit. By FEDERAL law, NO company can act on your behalf and provide false claims of " relief '' and paying off your debt if they are not directly paying off your debts in full as a loan. It doesn't matter if they choose to label their fees as a " service ''. Know your rights and know the law. They are prying on struggling individuals and families and giving a false narrative of help. In my experience, I started in XX/XX/XXXX. All year they falsely stated more then XXXX ( after I instructed them XXXX times to start with XXXX XXXX ) that they sent a proposal to Chase bank on my behalf, when they indeed DID NOT. XXXX sent me a proposal directly at the end of year in XXXX for almost 40 % less of the original debt. When National Debt Relief was questioned and put up against the wall by me requesting proof of communication such as correspondences, rejection reasons and names and positions speaking on my behalf with XXXX, they denied my request from email, phone calls to letters sent by mail. An entity who is appointed as a power of attorney has the legal obligation to provide ANY and ALL documents requested by who they represent. National Debt Relief is a bait and switch company that needs to be shutdown immediately. It is now XXXX months and they have been trying to run me in circle 's and denying my request because they are very well aware that they are committing fraud. I will be exercising my next steps to hold them responsible. 

XXXX needs to be sued and shutdown just like other fraudulent companies doing the same. 

Here is a reference of a XXXX lawsuit : https : XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As of XX/XX/2022, and continuing, XXXX, Transunion, and XXXX have0 blocked me from accessing my credit report, and has also prevented me from removing the Credit Freeze and Fraud alert, and will not let me update my email associated with my account. Customer service over the phone, and letters sent to them have been in vain, and nothing has changed. It's been over several months and nothing I have done as a remedy to resolving this account lockout, and removing freezes and fraud alerts has been any success. 

I have spent hours upon hours on the phone with their customer support only to be told that they are unable to access my report and scores, and can not do any changes, or remove any freezes, or fraud alerts that are preventing me from accessing my reports and scores until I speak with a higher chain of command, and as of now, XXXX, XXXX, and Transunion do not have a phone contact list, or method of reaching their higher level of support, nor does it give you an option on which type of support you wish to receive from their customer service. 

All three credit reporting agencies have neglected me, and their customer service, and support mocks, and ridicules my situation of being unable to access my credit reports, or even accounts with these bureaus ' because they say I should stop wasting their time. I have attached what little evidence is needed for this, but it will show you the PDF screenshots with the source timestamp, and website link too for each bureau 's block of me accessing my account, and ongoing errors that have been hindering the financial well being of both myself, and the Business ', employers, etc. that I do business with from time to time, and it requires them being able to access my reports and scores with my permission. When I give them consent to do their screenings, and credit reviews for a financial account opening, it turns out denied for being unable to access it, or any bureaus reports and scores for me.
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (OH)

I have disputed XXXX XXXX/XXXX  XXXX XXXX 's reporting on all 3 of the major bureaus ' reports, on multiple occasions. XXXX  XXXX XXXX XXXX is reporting different open dates, close dates, high credit amounts, dates last active, and dates of last payment on the 3 bureaus ( Experian, XXXX, XXXX ) .
Consumer complaint received 2022-10-03
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. (CA)

I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED, AND WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED ON XX/XX/2022
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

I paid for Experian Premium credit monitoring and used it for quite some time. I canceled the membership in XXXX of 2019. They have continued to bill by credit card every month after cancellation in the amount of XXXX per month. I called the 800 number on the site and can not reach a person. I sent certified mail twice and nothing has been done to refund the charges they charged after I canceled and they have not stopped billing my credit card. My membership number was/is XXXX. I would like the five months of billing refunded.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). How can you say it was already processed when I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are NOT MINE.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I've consistently upheld the practice of making timely payments on this account, preventing any instances of overdue payments. The existence of late payment remarks on my accounts leaves me uncertain. In accordance with 15 USC 1666b - Billing Error, corrections should be applied if discrepancies are found.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (OR)

Originally I had a windshield replaced the company did shotty installand damaged my vehicle over XXXX. They granted dispute and then recharged me. Take away and put it back on repeatedly. Most recent ly account balance was XXXX payment XXXX interest charge XXXX new balance XXXX. They added my payment to my balance rather than deduct its fraud and they do it over and over and over. I call and complain and the next month reflects more fraud. And they never correct anything.
Consumer complaint received 2020-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TN)

I filed for my loans to be forgiven due to XXXX being closed due to fraud in 2015. I still havent heard anything, Ive seen people get theirs forgiven, I am trying to finish schooling and due to this issue Im about to be maxed out and can not finish my XXXX program.