davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

I received notification that a collect account was reporting to my credit report from an account I have no knowledge of. I spoke to the original creditor who asked that I submit a fraud complaint form and I would receive resolution. The complaint was submitted and I was left a voicemail that the debt was validated based on a match from public records. I requested a signed original contract as well as any and all validation they have to prove this is my account and NOT a result of fraud. I have since proved to the CRA 's that the " public information '' is inaccurate and it has been removed from my file ( i.e. address ). The collection agency was able to provide me information regarding the debt by locating the account using my SSN. They provided me with the Account number which has lead me no where with the Original Creditor. When speaking to the original creditor, I have been advised they ( the front line representative ) is unable to discuss the account without the account passcode. I informed them seeing as how the account was established without my authorization, I do not have that information. I have been unable to receive resolution from either the original creditor nor the collection agency that is reporting this debt.
Consumer complaint received 2023-06-28
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. (NY)

I am confused on late payment accounts that are reporting on my credit report. Incorrect report is being reflected and is making my score go down. Several late payment marks even though they are not accurate.
Consumer complaint received 2023-04-10
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)

On XX/XX/XXXX I mailed the attached letter to EQUIFAX. I have since called and spoke to 2 different people explaining to them that the 3 fraudulent accounts were all part of the data breach with EQUIFAX years ago. I read Section 605b of the Fair Credit Reporting Act to each representative and I explained that Congress passed this law to protect consumers like me from exactly what is happening to me. My identity has been stolen and several credit cards are fraudulently on my credit report and the consumer reporting agency has only 4 business days to delete the fraudulent information or account. Both representatives stated it was their internal rule that they had 30 days to finish the investigation and determine if they wanted to delete the fraudulent information. I once again explained that their internal rule at a consumer reporting agency can not supersede the law stated in Title 15 USC XXXX ( Fair Credit Reporting Act ) which was passed by congress originally in XXXX. I have attached many supporting documents such as my police report, FTC report, letter from the Attorney General of Florida as well as proof my identity was stolen in the data breach from EQUIFAX.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX I was issued a new Citi Thank You card. I have other citi cards that I've held for close to a decade. 
XX/XX/XXXX I tried to use the card and it was declined. When I called Citi to find out why I was told I needed to fill out more paperwork to prove my identity, even though I already have other cards with Citi. 
XX/XX/XXXX I received the paperwork, filled it out and returned it. 
XX/XX/XXXX I called to check status and was told i needed to fill out and send more paperwork to prove I was who i said i was. I had enough and asked to cancel the card, and i was told I COULDN'T CANCEL THE CARD UNTIL I FILLED OUT MORE PAPERWORK. I refused and asked for a supervisor, who i was told would call me back. They never did XXXX I called once again to cancel the card and again was told that I couldn't until i sent back more paperwork, which I will not be sending back. I simply want the card cancelled. All of my cards with Citi.
Consumer complaint received 2023-06-28
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. (MO)

I disputed my consumer report with XXXX, Experian and XXXX through certified mail. I received my investigation results in the mail and all the information I disputed was STILL inaccurate AND incomplete. I called XXXX today ( XX/XX/2023 ) and the woman with XXXX was very rude and did not want to hear anything I had to say about inaccuracies. I requested that I be sent proof of the procedures they used to investigate my dispute in a separate communication and upon continuing to argue with me, she hung up on me before the problem was resolved. 

It is to my understanding that by law, when being disputed, these consumer reporting agencies are supposed to put in the comments of each account on my consumer report that " this account is in dispute and are being investigated ''. Only XXXX did that on their report. XXXX and Experian never put that in any of the comment section ( s ) of any of the accounts in question. Payment History is inaccurate for each account amongst all three credit reporting agencies ( XXXX, XXXX, Experian ). The furnishers on my credit report have not responded to me about charge-offs and they've never sent me 1099-C forms. I believe the companies at hand are committing tax fraud. Multiple furnishers do not even have permission to report my consumer report. I have requested to be opted out of such reporting and to please give me the necessary documents to opt out of them reporting to these agencies asap. 

15 U.S Code 1681a ( 2 ) ( A ) ( i ) suggests that transaction ( late payments ) and experiences ( utilizations ) are to be excluded from consumer reports. We, the consumers, are entitled to privacy and 100 % complete accuracy. I believe these third part agencies ( XXXX, XXXX, Experian ) are failing to protect our privacy and personal information. I never gave them or anyone furnishing information on my consumer reports permission to share my information with anyone. All of my negative accounts, late payments, and utilization needs to be deleted at once amongst all credit reporting agencies ( XXXX, Experian, XXXX ). Multiple Hard Inquiries are on my consumer reports without my consent and after disputing are still not being taken off. 

Furnishers of my personal information such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting without my consent. 

Experian, XXXX, and XXXX are failing to verify accurately and to uphold their standards of accuracy. They are negatively impacting the livelihood of countless consumers and should be held accountable for the incredible amount of damage they are doing. They fail to realize that us consumers are the ultimate furnishers of information.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Dear Sir/Madam, I, XXXX XXXX , am writing to file a complaint against TransUnion, one of the three major credit bureaus in the United States . As a natural person and a consumer, I am requesting immediate action be taken by TransUnion regarding inaccurate information reported on my XXXX credit card account, account number # XXXX. This has grossly affected me, pushing me closer to filing for bankruptcy for my business, as I am unable to receive funding to help my business grow in these troubled times. 

On [ date ], I requested that my XXXX credit card account be deleted from my credit report. However, TransUnion continued to report inaccurate information about the account, with the last report date being XX/XX/2023, which has had a significant negative impact on my credit score. 

Despite repeated attempts to dispute the inaccurate information with TransUnion, the account has not been deleted from my credit report. This has caused me significant frustration and financial harm, as the inaccurate reporting has prevented me from accessing credit and loans that I otherwise would have qualified for. 

I am requesting that TransUnion immediately delete the inaccurate information related to my XXXX credit card account, account number # XXXX, from my credit report. Failure to remove this inaccurate information promptly will result in me taking severe action, including pursuing a federal lawsuit against TransUnion. 

I urge TransUnion to investigate the procedures and practices that led to the inaccurate reporting and take appropriate steps to ensure that similar errors do not occur in the future. 

Please find attached copies of relevant documentation supporting my complaint. I appreciate your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2019-12-21
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. (OH)

I was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX .I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-05-22
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: Westlake Services, LLC (GA)

THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT. 

Section 609 ( a ) ( 1 ) ( A ), [ 15 U.S.C. 1681g ] section 607 [ 15 U.S.C. 1681e ]
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I never had a auto loan with USAA. USAA states i have a vehicle loan for {$66000.00}. I have the title for the vehicle in question, i have a letter from USAA removing the fraudulent lien on the vehicle, and have a recording from USAA stating I never opened a loan with them.
Consumer complaint received 2022-01-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$1800.00} Status Collection account. 


This account is listed as 4 separate collections on my XXXX, Experian, and XXXX credit files. I have reached out to the credit bureaus on multiple occasions to fix this inaccuracy to no avail. This is a SINGLE account in collection not 4. This debt collector - XXXX XXXX XXXX- is reporting the single account as 4 separate accounts. The credit bureaus need to properly reflect my credit accounts and remove the 3 duplicate accounts.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

In XXXX I received a XXXX XXXX from XXXX XXXX. Sometime in XXXX, I was expected to repay this loan. I contacted XXXX XXXX  and informed them of my being totally XXXX and unable to repay this loan. But I was going through the process to have the Government repay this loan on my behalf, through XXXX. 
I was ultimately determined to be 100 % XXXX and this loan was paid off by XXXX. 
( See Enclosed ). 
Just recently I applied for a Mortgage loan. And to my surprise, on my Credit Report was this XXXX XXXX  XXXX being in COLLECTIONS... 
I contacted XXXX, and was informed by them that this loan had been paid off in XXXX. 
Thus, after further review of my Credit Report, I found that ALL OF MY STUDENT LOANS were indeed paid off through XXXX. And the only negative on my reports is this XXXX issue. 
It seems that XXXX XXXX  has taken the issue that whether or not a student is XXXX or not. If they do not personally repay their loan, XXXX will make sure their credit is destroyed for the ensuing future. This is an unfair practice implemented by this college, If a person is deemed XXXX, they should not be penalized for that XXXX. 
Al of the other student loans treated this writer fairly and the credit reporting for these loans are not reported negatively, as XXXX should not be allowed to treat this writer any differently for my XXXX.
Consumer complaint received 2022-09-07
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. (DE)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-07-20
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. (IL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: RMS-Recovery Management Services, Inc. (AZ)

XX/XX/XXXX I spoke with an agent ( XXXX XXXX ) from RMS-recovery and stated that the debt is not mine and I am calling to dispute it and would like to know the steps needed to take to dispute and remove it from my consumer report. The agent insisted that the debt was mine and also that it is valid saying that I have a responsibility to pay them, and I told them that I would like written communication of the described debt and that is the only way I want to be contacted from this point forward via mail. Also, I am not making any payment arrangement nor am I claiming this debt is mine. 

on XX/XX/XXXX I wrote a letter stating that this debt is not valid nor is the described debt mine. I am not claiming liability for it and it should be removed from my consumer report. I have a certified mail receipt # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Received a letter from XXXX stating the described debt which was only a bill from the original creditor, then I received a phone call from XXXX XXXX. then she began to harass me while I was enjoying my vacation time with my family for XXXX. Literally 3 days before the holiday. Stating that I need to pay that debt. I told her that I am not responsible for that debt and I sent in a letter in the mail. She then spoke over me saying that I will mark this debt as a refusal to pay and you will face penalty charges and fees and it will affect negatively on my consumer report and hung up the phone on me. I then began to call the company wanting to speak with the agent about the debt but then she continued to pass me off to a different agent over 3 different times. I had to speak with a different agent to describe the situation and I explain to them as kindly as possible that I would not like to ever be contacted by phone from this company ever again and that they need to remove their negative information from my consumer report. I've never been treated with so much disrespect in my life. this is illegal and they also violated my rights.
Consumer complaint received 2021-12-25
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. (CT)

XXXX XXXX was unable to locate my account for payment over the phone on multiple inquiries during the coronavirus pandemic. They could not take a payment over the phone, and there was no way to make a payment online, as the account would not show up on their system. No mail was sent to our home with a billing statement, and there was absolutely no way to pay the account during the period in question. The balance was a result of taxes paid to the town on my behalf, by XXXX XXXX, and I was never provided detail on what that balance was, or how to pay it. We contacted XXXX XXXX over XXXX different times to pay this balance during XXXX, with no reply. They eventually reported this negatively as you can see in the screenshot in XXXX of XXXX. The balance was ultimately paid to XXXX when I purchased a new vehicle and traded in the lease, but this was the only way to settle the balance.
Consumer complaint received 2021-12-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

A validation of debt letter under Fair Debt Collections Practice Act was sent to Portfolio Recovery Associates but they did not follow the requests of the letter within 30 days. A certified receipt from the united states postal service accompanied the letter to prove they received it. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from Portfolio Recovery is considered fraudulent and invalid.
Consumer complaint received 2023-07-20
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. (SC)

Many student loans amount on my credit that I am not aware of. I called to try to clear it off. And did a dispute. The account numbers are not the same. And by law if it don't match it have to be removed. Not to mention the ssn it's wrong also.
Consumer complaint received 2023-03-10
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)

This is my several endeavors to tell 3 credit bureaus 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 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  : {$0.00} ; DEPTEDXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

My interest rate is so high ( 14 % ) that I will take way too long to pay down the principle loan. I started making payment Mid way through XXXX. I have not missed one payment and have always been on time making payments of over $ XXXX/mo. While attending school for all of XXXX the school/loan company made it seem as if I didnt have to make a payment until 6 months after graduation so we would have time to find a job. Being XXXX at the time, little did I know the loan was being differed and in this 18 months, 12months of schooling and 6 months looking for a job, the interest was building so much that my loan was almost doubled. 9 years later and its only gone down less than {$4000.00}. That means in that time I have paid this company ( Navient/Sallie Mae ) about {$34000.00} from which they have made almost {$30000.00} off of me just tryin to better my self with a higher educate and be able to start a family and give them a good life.