davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2900.00}
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is 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 ( 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 2022-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

CBE group Charter communications {$320.00} Says opened XX/XX/2022 This info is from XXXX XXXX I have a XXXX account. I am in good standing. 

For over 2 years now I am getting harassed by different reports of a debt that doesnt exist, is identity theft, or isnt mine. 

I have reported this and its been removed 2x from my account. 

I have contacted XXXX SO many times, at least 20, to ask about this and they say my balance is XXXX and there is nothing to do. 

I just had my debit card hacked, again. Im very careful. Maybe someone opened an account in my name or stole my account when I moved out of an apt in XXXX XXXX years ago and shut off the service. Confirmed it. Was supposed to delete my info. They kept my acct open for months. 

The account was not mine, anyway. It was set to auto pay and of the account of my mom with XXXX XXXX. Shes been scammed so many times. My guess is this is part of that. 

I need this to stop. 
My credit accounts are frozen due to fraud, and my score is important and this is harassment. 
I only find out about it when it goes to my credit score and my app gives me an alert. I have to XXXX to find out what the company is. Its being passed around and reset multiple times. I already reported this to you and XXXX. But that was different because it was a different collector, who i called and asked for information and they refused or couldnt provide anything. 

This is not my debt. 
What can I do to get this vicious cycle to stop? 
XXXX XXXX, XXXX, trying to find an apartment so temp XXXX and need my score good, I have perfect payment history. I pay my bills on autopay. 

Please help this get removed from my report AND stop repeating. 
Ive reported charter to the XXXX, too. Ive researched and they have millions of complaints due to incorrect and inaccurate processes. Its fraud. They need to be stopped. Thank you
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2900.00}
Consumer complaint received 2022-09-01
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. (TX)

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, Experian and XXXX all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over XXXX points. This company ( XXXX XXXX has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have submitted disputes to you and didn't get a response within 30 days and you all are required by law to do so. Please investigate me disputes, please. Thank you
Consumer complaint received 2019-01-29
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: Westlake Services, LLC (GA)

The inquiry was make on XX/XX/2018. I am unsure of the loan amount or why this inquiry was made. Not sure of what the loan would have been for. I wrote a letter to have the inquiry removed.
Consumer complaint received 2018-04-17
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX has refused to no longer talk to me about the account they claim was mine and is not, and they have gone to such lengths to make me pay for an account that is not mine, that they kept changing the information and story until they sent a final letter claiming they refused to no longer respond. Now that I have finally gotten Experian to look at a settlement agreement and showed the the person XXXX XXXX XXXX claims received payment for their legal services in my settlement was not even on the agreement and I have no idea who this person is, they are now telling Experian that they want to talk to me. Well they can contact me on here but I have already said everything I have to say, I will not pay for a debt someone else created and they are so many holes in XXXX XXXX XXXX story that who knows if the debt is even real or the amount is correct. Just like they sent me a notice, I have nothing further to say than remove your info from my credit report ASAP and admit you broke the law by trying to make me claim this debt on my taxes. On a side note, XXXX and XXXX   have already found issues in XXXX XXXX XXXX claim and removed them on their own and have not allowed their info back on my report.
Consumer complaint received 2018-04-16
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: Ability Recovery Services, LLC (NV)

I asked XXXX to do a complete investigation and to furnish the proof according the FCBA Guidelines instead of their automated system that doesn't thoroughly verify the complete accuracy. As of to date XX/XX/2018 i have not received the requested documents of my disputes and everything has remained the same including a fraudulent account. So in faith of making money from the companies reporting I and others are left with with Inaccurate information. 
It's like the creditors and the credit agencies are working together all in the means of money. XXXX XXXX did tried to get me to pay for an account they no is not mines
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Volvo Car Financial Services U.S., LLC (AL)

We leased a new Volvo suv through one of my XXXX in 2018. Every payment was made on time and was auto drafted from our account. The dealership we leased the vehicle through no longer existed when the lease was up. We returned the vehicle to the new dealership in XXXX XXXX as instructed. There were no issues, they said we were good, checked all the boxes, and I signed the paperwork. After I asked about several of the extras we purchased through their lease program that were never delivered to us, and we were told we would have a credit issued to us. Nothing ever happened. 

Unfortunately sometime in the last few months volvo has filed a negative action on my personal credit report for all of {$360.00}. No idea where that came from, especially since they were supposed to owe us money. Now my pristine credit history with exceptional payment history for more than 10+ years looks like I did not make 4 payments on this volvo , and that they charged off the account, even though we paid every payment on time, and returned the car in pristine condition. Furthermore it was leased under my company, not me personally, so why are they putting false info on my credit report? 

I do not see how any company has the power to do this to someone? This is causing me major problems. Any assistance would be greatly appreciated. Thank you.
Consumer complaint received 2019-01-30
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: LDF Holdings, LLC (CA)

My name is XXXX XXXX. I am a XXXX Consumer from  California. At XXXX XXXX today on my cellualr telephone ending in XXXX I got a SMS Need FAST CASH!? Apply NOW at XXXX. XXXX XXXX XXXX To Stop XXXX XXXX is not ok and woke me up. This is a violation of the California Rosenthal Act to say the least. Contacting any consumer before 8AM is not allowed. 

This complaint also involves the parent company LDF Holding LLC.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2022-09-01
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : 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 2022-09-01
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Balance {$3500.00}
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (CA)

I was exploring the Barclays Uber Visa card website XXXX XXXX XXXX XXXX XXXX XXXX when I saw the credit limit increase button. I clicked on it to request an increase because I had this card for at least three years, and never once did their system update my credit limit from a low {$500.00} to a more fair value related to my credit score or history with the company. So I click this button to ask them to increase my credit limit without seeing anywhere they would process a hard inquiry to increase my credit limit. If I knew that they would make a hard inquiry, I would not have requested the increase. After all, none of my other credit card companies have charged me for a credit limit increase. Furthermore, none in the past have made a hard inquiry if I initiated this change. Therefore, I feel that the Barclays card was not clear enough disclosing that they would perform a hard inquiry. 

When I called their customer service line ( XXXX ) today, XX/XX/2021, at XXXX XXXX, I was able to connect with a representative who told me at approximately XXXX XXXX PT that she was not for sure where the wording is ( but is claiming it is somewhere like on the website ). I asked her to connect me with the department that would know more about my credit line increase questions. They placed me on hold, and then they hung up on me XXXX or it disconnected XXXX instead of being transferred to the department that would know more. On the next call at XXXX XXXX I requested that the customer service representative connects me with their department that would know about the credit line increase issue and questions I would have. This agent also put me on hold, but they eventually shared a line and, although vague, confirmed a disclosure is somewhere and that this is the company policy. She was also unclear about how their " system '' would determine credit line increases. Nevertheless, I would like them to remove the hard inquiry because it is not readily apparent that I would receive a hard inquiry to request a credit line increase with Barclay.
Consumer complaint received 2023-12-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TX)

I was in the process of switching phones, updating my email address and phone number and cash app took my email and my phone number off my account why I cant get back into that account because theres nothing length to it so now I have a cash app card with my name on it and money on there that I cant access And they wont verify me to get it out act like its still open and it just doesnt let the transaction go through like theres the lock on it
Consumer complaint received 2019-01-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (VA)

On XX/XX/2019, I was in a hardship situation and dealing with a chronic illness. There were emergency household bills due. I had taken sometime off from work due to my illness. I applied for an online loan with XXXX XXXX XXXX XXXX XXXX XXXX. I was approved for {$730.00} with an APR of 360.00 %. My attention was to pay this loan within 28 days. My situation was beginning to deteriorate and between my illness and missing work, I was unable to pay amount due as scheduled. I had to ask Speedy Cash not to draft anything out of my checking account because I was being charged overdraft fees. I paid a total of {$230.00} to date towards this original loan. I know have a balance of {$1500.00}. I asked the representative XXXX were there any arrangements I could make towards the original {$730.00} Loan. XXXX explained that Speedy Cash would not make any payment arrangements unless I agreed on the {$1500.00} balance ( and accruing interest ). I am in a hardship and unable to pay {$1500.00} plus interest
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (OR)

Twice I have mailed in a request to get a copy of my report ( even though I have no idea who this company is or why they have my info as I have NEVER authorized it ). They are saying my score is super low which does not mesh with what the three major bureaus show. I want someone to contact me with a report and I I want them to call me to go over it line by line so I can dispute incorrect info because they obviously ignore the mail they receive and are abusing their title as a " credit bureau '' when they shouldn't be one at all.
Consumer complaint received 2019-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (NC)

Good afternoon, My complaint is against Receivables Performance. I have a debt with XXXX which was {$1900.00}. I have the debt due to switching providers. However, the new provider was suppose to pay the phones off. Because of the time of waiting for phones to be paid by the new provider, I am assuming that XXXX sent this collection to Receivables Performance. I did have contact with RP, and I spoke with them about waiting for the new provider to pay off the debt or the phones owed. Because the process was delayed, I agreed to set up payment arrangements in XX/XX/XXXX and XX/XX/2018 for {$200.00}. The first payment was successful, and the XX/XX/XXXXpayment was changed to XX/XX/XXXX, which was also successful. However, during that time of the last payment arrangement, Receivables Performance sent a derogatory remark to XXXX, which took my credit down. I called RP, and asked them why since I did send two payments. In the midst of the conversation, the Supervisor XXXX explained that I was late and changed payments. I told him that I only changed one payment and that was for XX/XX/XXXX. However, I found out that Receivables Performance is not licensed in the state of North Carolina to ask for me to pay them this debt. I spoke with them about this, and each time they will hang up. The last conversation I had with a supervisor, she lied on the phone about me calling and having a conversation with them on XX/XX/XXXX and eventually she hung up as well. Because this collection agency is not licensed to collect a debt for the state of North Carolina, I believe that they should delete and remove this derogatory remark off my credit.