davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (CT)

Debt originally owed to frontier communications and was passed to debt collections. Debt was due to frontier not turning off a service used at a past temporary housing situation. upon not staying at the address anymore directed frontier to stop service but unknown to me it continued to run. About a year and a half or more later I came to know of the debt as it was on my credit report. Disputed with all three bureaus and XXXX removed it but it remains on XXXX and XXXX. This debt is very old and should no longer be on my record and also I was never originally responsible for it. This derogatory report causes my credit score to be reduced and also is a negative impact when I'm reviewed by other financial companies.
Consumer complaint received 2021-12-04
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. (DE)

There are multiple errors in the listing that are damaging to me including balance, payment HISTORY, terms, date open, and date of last payment. Please update for lawful accuracy.
Consumer complaint received 2021-12-04
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. (DE)

There are multiple errors in the listing that are damaging to me including balance, payment HISTORY, terms, date open, and date of last payment. Please update for lawful accuracy.
Consumer complaint received 2021-12-04
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. (DE)

There are multiple errors in the listing that are damaging to me including balance, payment HISTORY, terms, date open, and date of last payment. Please update for lawful accuracy.
Consumer complaint received 2022-06-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I was not satisfied with investigation. Per mail sent I requested all information be removed and/or deleted from credit report. Experian failed to do so now I am making a complaint. I dont think it is fair
Consumer complaint received 2021-12-21
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. (FL)

So XXXX finance is reporting different information on each reporting agency, because of the incorrect information it is reporting they have already removed from XXXX and i am trying to get them to follow suit with the other reporting agencies. no help from the company to my numerous attempts. please can you help
Consumer complaint received 2022-02-03
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. (CT)

My current Experian credit report shows three ( 3 ) Hard Inquiries that do have a large effect on my current credit rating. They are from 1. ) XXXX XXXX, 2. ) XXXX and, 3. ) XXXX XXXX. The first two mentioned ( XXXX XXXX and XXXX ) were both for credit cards which were approved and I'd appreciate their removal as I requested the removals from both creditors and they approved them but Experian continues to report them. The third ( XXXX XXXX ) was also for a credit card which was denied in most part due to the continued presence of these Hard Inquiries, which has caused me another negative reduction to my score on top of the pull. These deductions would have never occured for XXXX XXXX if the two prior pulls were taken care of in a timely manner as of todays date all three pulls remain on my Experian report and the deduction to my credit score due to XXXX XXXX denial.
Consumer complaint received 2021-12-04
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} CONCORDIABK XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX Balance {$710.00} XXXX XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXX XXXX XXXX XXXX Balance {$440.00}
Consumer complaint received 2021-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

On XX/XX/2021 and XX/XX/2021 i filed complaints with CFPB because PORTFOLIO RECOV ASSOC has recently added a collection debt to all XXXX of my credit reports which are XXXX, XXXX and XXXX that do not belong to me which appears to be balance of {$580.00}. I've never done business with PORTFOLIO RECOV ASSOC or owe money to this company or wish to do business with this company, contract with this company or any one they are collecting for, i have never signed documents, contracts, agreements, to pay PORTFOLIO RECOV ASSOC or to do business with them because what ever they are trying to collect doesn't belong to me, i have never provided this company or gave them permission to authorize access to my social security number, private address, XXXX or any personal information. PORTFOLIO RECOV ASSOC responded to the CFPB dispute saying they purchased a Debt from XXXX XXXXXXXX, PORTFOLIO RECOV ASSOC continue to refuse to Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. 

PORTFOLIO RECOV ASSOC continues to refuse to provide the amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor, the amount of the debt when they obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, they refuse to provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

PORTFOLIO RECOV ASSOC refuses to provide If there have been any other changes or adjustments since the last billing statement from the original creditor, and continues to refuse to provide full verification and documentation of the amount they're trying to collect. PORTFOLIO RECOV ASSOC refuse to Explain how that amount was calculated. In addition, will not explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

PORTFOLIO RECOV ASSOC refuse Tell me when the creditor claims this debt became due and when it became delinquent. 

PORTFOLIO RECOV ASSOC refuses to Identify the date of the last payment made on this account.
Consumer complaint received 2022-05-02
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-02-03
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. (FL)

Ive submitted disputes to XXXX regarding XXXX account also Ive sent out letters of debt validation to the creditor I have not received any responses also its reporting that I have XXXX late/missed payments on this account this derogatory remarks are causing me hardship in being approved for any kind of funding.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

XXXX XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements -
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (TX)

I have been defrauded across all of my accounts and credit reporting bureaus. They have improperly used my SSN/identity for their own gain. I have frozen or opted out across the following reporting agencies ; XXXX - Frozen Experian - Frozen XXXX - Frozen XXXX - Opted Out XXXX - Opted Out XXXX - Opted Out PACER - Sent email to opt out
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MD)

To whom it may concern, I am writing to address a serious issue I have encountered with my XXXX  XXXX credit card account. Recently, my account was closed without any prior notice. Consequently, my account was sent to a collection company, and this action has adversely affected my credit report. 

Furthermore, I was not provided with an opportunity to dispute the charges or the account closure. This lack of communication and transparency has caused significant distress and harm to my credit standing. 

I seek a resolution that includes the following steps : 1. **Reinstatement of the Account : ** XXXX XXXX should consider reinstating my account to its previous status if it was closed without proper notice. 

2. **Removal from Collections : ** The account should be removed from the collection company and taken off my credit report if the closure was unjustified.

3. **Dispute Opportunity : ** I should be given the opportunity to dispute the charges or issues that led to the account 's closure and the collection action.

4. **Credit Report Correction : ** Any negative marks on my credit report resulting from this issue should be corrected to reflect that the account was improperly closed.

5. **Clear Communication : ** XXXX XXXX should provide clear communication and documentation regarding why the account was closed and the steps they are taking to resolve the issue. 

6. **Compensation for Damages : ** If the closure has caused financial harm, XXXX XXXX should consider offering compensation or credit monitoring services to mitigate any damage to my credit. 

I trust that you will take these concerns seriously and address them promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-10
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 account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I har 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.
Consumer complaint received 2022-06-10
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I har 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.
Consumer complaint received 2019-08-27
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: Experian Information Solutions Inc. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA regulations. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX never late INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2018-11-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: First Investors Servicing Corporation, Atlanta, GA Branch (FL)

In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
Consumer complaint received 2018-10-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

On XX/XX/XXXX I traded my XXXX XXXX XXXX for a XXXX XXXX XXXX. I called One Main Financial for a payoff on the XXXX XXXX, which they stated was good for 30 days. Shortly thereafter, on XX/XX/XXXX, I received a check from One Main Financial for {$700.00} which I deposited. On XX/XX/XXXX I received a notice from One Main Financial stating I owed {$1000.00} because I no longer had insurance on a vehicle they were financing. I contacted One Main Financial in response to the correspondance I received and had a One Main Financial employee fax over the amount she said I owed. The fax she sent stated I owed {$420.00}. I contacted them to state I don't owe and that I received a refund check for {$700.00}. I have been receiving bills from One Main Financial for various amounts. On XX/XX/XXXX, I received a bill for {$760.00}. I do not owe the bill. Based on the refund I received, I believe that my car was paid off by XXXX XXXX. The amounts in question are an attempt to collect " FORCE PLACED '' insurance during a time when I no longer owned the vehicle.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (NC)

A collection reporting on my consumer report is inaccurate and the incorrectly reported item does not get deleted. I have never had the account alleged, and would like all documents furnished that the alleger of debt has on account in the name of the alleged debtor. I do not agree the current decision of alleged ownership of the debt account.
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MI)

I have a cash back check that I received from XXXX XXXX XXXX for the amount of XXXX that expired XX/XX/2018, I took it to XXXX XXXX XXXX  to redeem it and the store said we can not redeem it but you have to call the number on your card for them to reissue the check. 
I called the Credit card company but they refused to reissue the cash back check.
Consumer complaint received 2022-05-02
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. (FL)

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXX issued me 1099C which is taxable income but failed to update the consumer reporting agencies to remove this account because income can not be reported on a consumer report. XXXX and Transunion are willfully neglectful. They understand that its against the law to report income on a credit report and they still chose to not abide by the law. Ive contacted them numerous times about this and they failed to remove the account. Per the FCRA Im entitled to a 100 % accurate report. If my report is inaccurate its {$1000.00} per violation. The proof is in the pudding and ive supplied evidence so the CFPB can take action. They are reporting inaccurate information and violating my rights.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer and natural person, submitted a complaint through the CFPB to a collection company that pertains a collection account on my credit report. The collection account is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

The complaint numbers through the CFPB are XXXX and complaint numberXXXX
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, 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. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer and natural person, submitted a complaint through the CFPB to a collection company that pertains a collection account on my credit report. The collection account is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The complaint numbers through the CFPB are XXXX and complaint numberXXXX
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX is reporting to the credit bureau that this account is a charge off, a charge-off account is a written off account as a loss and the account is closed to future charges, this is fraud, XXXX XXXX XXXX has been accepting a XXXX dollars a month from me on this loan.
Consumer complaint received 2018-11-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (FL)

In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
Consumer complaint received 2021-12-04
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: INTERFIRST MORTGAGE COMPANY (MI)

On XX/XX/2021 INFERFIRST MORTGAGE COMPANY pulled my credit report without my consent. I learned about this on XX/XX/2021 after I received a letter from INTERFIRST mortgage that they have pulled my credit report. 
I tried to contact the company right away as I have never spoken with them or provided my social security to any one. They never picked up the phone. Later I called and left a voice mail to XXXX XXXX XXXX # XXXX, who sent me an e- mail asking me to call him on XXXX. I called him and tried to understand how he was able to get hold of my personal info. Or pull my credit report without my consent. First he said that I provided my social security on line. Then, when I accused him of lying he said someone submitted a refinance application on your behalf. I asked him to call the credit bureaus and explain that the credit report was pulled mistakingly but he stuck to his story that someone submitted an application on my behalf. So, I told him I will sue and hung up the phone.