davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-03
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GREAT LAKES (MA)

: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Experian keeps reporting fraud on my credit report. I provided my ftc report and I showed that all of this was fraud. I spoke to a representative who was not from this country and he didnt understand me canceled my dispute and then I had to call and redispute it there is an identity alert on my report please have them remove my fraud
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have called, mail both with tracking and regular mail to all 3 credit buries to remove inaccurate personal information from my credit report.

Here is the USPS tracking XXXX, XXXX XXXX, XXXX, XXXX They have being unresponsive and I can't deal with them anymore and need your help to resolve this.
Consumer complaint received 2018-10-03
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. (CT)

I've telephoned all 3 credit bureaus regarding hard inquiries that are placed on my credit files. I informed the credit reporting agencies that I did not apply for credit with these institutions requesting my credit profile. Per the credit bureaus instructions, I telephoned all companies listed on my report and informed the of the matter. However, I was eventually referred me back to the credit bureaus. Now I am stuck with these inquiries on my credit report and its effecting my well being because nobody seems to care to help. My job maybe at risk because I am required to maintain a certain credit profile background. The following are not my inquiries : XXXX : XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX and XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX : XXXX XXXX, XXXX XX/XX/XXXX Please help me resolve this matter promptly.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm reviewing my credit report as I feel is very important. 
So you are telling me you got on the phone and called each creditors and send aIl my docs and youd did a fu ; ll comparison between what i saying and what they send to you and you found they were correct? I highly doubt it. 

XXXX XXXXXXXX XXXX Acc # XXXX ... 
XXXX XXXX - Account Number XXXX XXXX Card - Account Number XXXX XXXX Card - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX - Account Number : XXXX Delete the above and send me a new report. 
And last and more concerning is my XXXX XXXX XXXX account XXXX, I paid my XXXX XXXX on time every month but your reporting shows as a negative account. Last Payment made on XX/XX/XXXX Account Closed on XX/XX/XXXX Pay Status shows ( Paid As Agreed Never Late. 

This is proof you never really verified this account at all. Update Update this account to shows as positive as it should be
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

I have spent almost 50 hours trying to resolve this its extremely frustrating and outrageous. I had an XXXX credit card, I made a purchase back in XXXX for a hair dryer and the cashier was new and accidentally charged me twice for the hair dryer. They assured me that they removed the charge however they DID NOT! This mistake has snowballed into this never ending nightmare which has really had bad effects on my credit report and is now a massive bill in collections even though XXXX has admitted to me on recorded line that they pulled up the transaction and it was a billing error on their end. They said that although it was there fault that they could not do anything to repair the damage because they were not connected to the credit card company! So Im caught in the middle of two corporations and I am getting bullied basically. Its really so frustrating
Consumer complaint received 2019-06-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NY)

On XX/XX/2019 i received a notifications from XXXX, and XXXX that a new collections account was added by a collection agency call Enhanced Recovery Company in the amount of {$2100.00}. I have never been contacted by them, received a letter or anything. I contacted them and all they are just verbally saying us the debt is mine without any proof. I dont even owe this debt, they didnt send me any notice in the mail for validation and or verification that this debt is mine. I truly believe they dont have the right to report this information on my credit.
Consumer complaint received 2019-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.
Consumer complaint received 2018-10-03
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: Michael Andrews & Associates LLC (CA)

I contacted Michael Andrews and Associates after a hard inquiry was placed on my XXXX credit report on XX/XX/XXXX18. I contacted them within 1-2 days of the inquiry to find out who was authorizing this pull of credit and why. I spoke to a representative who answered and asked me for my name, which was provided. She told me that I would be receiving something stating the reason for the credit pull. I told her I had not authorized anyone to pull my credit and I did not have any business with this " law firm ''. She then stated that this was in connection with my previous car and that they were handling the case and that it was in my contract which would be mailed. To date I have not received any documentation or notification from this company or supplied any information as to why my credit was pulled without my authorization and consent. I am requesting this inquiry be removed under federal consumer protection laws as it was not authorized and the company has provided no evidence to support justified reasons or where authorized by law and/or contract to receive my credit information.
Consumer complaint received 2018-10-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Months ago I've paid debts on my credit report to Portfolio RC Acct # XXXX although I did not owe the accounts per I thought it would be faster and in good faith to do so however the hardship of my unfortunate situation of identity theft and deceptive practices to my name and credit. Portfolio then removed the negative marking from my credit report and months later harmed my credit score greater by adding the same negative marking on my report again with XXXX balance paid collection which dropped my score dramatically. this goes against the Fair Credit Reporting Act. After disputes Portfolio RC did not correct this matter. I demand this account be removed from my reports of the 3 Reporting agencies.

am aware that per the provisions of the Federal Fair and Accurate Transaction Act ( FACT Act ), also known as the 2003 Amendments to the Fair Credit Reporting Act, section 609 ( e ), identity theft victims are entitled to obtain from a business entity a copy of the application and other business transaction records related to their identity theft free of charge. Businesses must provide those records within 30 days of receipt of the victims request. 
I respectfully demand a copy of the application records and detailed billing records for this account in my name ( and/or Social Security number, etc. ) a physical contract bearing my signature from the date the service started until service ended and any other account records in your possession relating to this account. This account ( indicate circumstances such as i.e., appears on the credit report maintained for my name, as an inquiry or referral from your company, created a debt for which I am being held responsible, etc. ).
Consumer complaint received 2018-10-03
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. (CT)

I've telephoned all 3 credit bureaus regarding hard inquiries that are placed on my credit files. I informed the credit reporting agencies that I did not apply for credit with these institutions requesting my credit profile. Per the credit bureaus instructions, I telephoned all companies listed on my report and informed the of the matter. However, I was eventually referred me back to the credit bureaus. Now I am stuck with these inquiries on my credit report and its effecting my well being because nobody seems to care to help. My job maybe at risk because I am required to maintain a certain credit profile background. The following are not my inquiries : Experian : XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXy XX/XX/XXXX and XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX : XXXX XXXX, XXXX XX/XX/XXXX Please help me resolve this matter promptly.
Consumer complaint received 2018-10-03
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 — Investigation took more than 30 days
Company: Atlanticus Services Corporation (CO)

I sent my dispute letters to this company and havent received any feedback. I sent letters on XXXX XXXX, XXXX XXXX, XX/XX/2018 and XX/XX/2018 XX/XX/2018
Consumer complaint received 2017-05-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

During an investigation, credit reporting agency failed to provide the validity of a debt that was reported. Thr name of the collector is  XXXX   XXXX   XXXX   XXXX   XXXX ,    2017  in the amount of {$480.00}. This is not good practice snd violates my consumer rights.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX **************** {$1500.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX **************** {$240.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-23
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: DISCOVER BANK (IL)

On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX   XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.
Consumer complaint received 2019-06-23
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX D.O.B : XX/XX/XXXX XXXX : Letter to remove inaccurate inquiry credit and address information I have obtain a copy of my credit report and found the following items to be an area. 

Creditor Name : XXXX XXXX XXXX O Dates : XXXX XXXX & XX/XX/XXXX Creditor Name : XXXX XXXX Ser Date : XX/XX/XXXX Creditor Name : XXXX XXXX Accept Date : XX/XX/XXXX Creditor Name : XXXX XXXX Auto Fin Date : XXXX XXXX Creditor XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX 2018
Consumer complaint received 2019-06-23
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. (IL)

On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation.
Consumer complaint received 2018-10-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc. (OH)

I never opened the loaned. I had someone who opened accounts and stuff in my name without my knowledge. Police report has been made and she has confessed.. I will send the later stating what she has done. I do not want payments coming out of my account.
Consumer complaint received 2023-06-26
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. (TX)

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 remove or 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 XXXXXXXX
Consumer complaint received 2023-06-26
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. (IN)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX : {$48000.00}.
Consumer complaint received 2018-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I don't have any accounts with this company and have never done business with them. This information should not be on my credit profile. I reached out to have the account closed but it still appears on my profile.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A third party company came up on my credit report. The company is called XXXX XXXX XXXX. I filed a dispute for It to be removed from my credit report. I still hasnt been removed.
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Oliver Adjustment Co. (TN)

In XX/XX/XXXX, my insurance claims were filed for services by XXXX XXXX that took place on XX/XX/XXXX. I received my first bill from XXXX XXXX In XX/XX/XXXX which was dated XX/XX/XXXX. In late XX/XX/XXXX, I received a letter dated XX/XX/XXXX, from the collection agency OAC about the bill. I placed a call to them in XXXX and informed them that I was aware of the debt and according to the FCRA, I had 180 days to allot time to ensure my health insurance processed the claim. I had XXXX earlier in the year and this bill should have been paid in full because the XXXX alone met my deductible. In addition, I informed the collection agency that I was in the process of filing for Chapter XXXX bankruptcy. I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. The Bankruptcy Court through my attorney notified the original creditor, XXXX XXXX on XX/XX/XXXX of my Chapter XXXX filing ( this was a little over 4 months after I received my first bill from the original creditor ). My bankruptcy was discharged in XX/XX/XXXX. On XX/XX/XXXX, the collection agency OAC unfairly added two collection accounts to my XXXX credit report for the first time ever. The collections are being added literally 7 months after the accounts were paid the bankruptcy protection. This is an unfair and deceptive tactic by OAC to ruin my credit rating. The accounts show on my credit file as closed paid accounts and included in bankruptcy. They appear as if they were on there the entire time, but were just added last week on XX/XX/XXXX.
Consumer complaint received 2019-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

My student loans were consolidated in XX/XX/XXXX so that I would be on an Income Based Repayment Plan and have my loans forgiven after 120 payments. I began making payments to XXXX from XX/XX/XXXX to XX/XX/XXXX. My credit report does not show any payments from XX/XX/XXXX through XX/XX/XXXX. That is 34 payments that are missing from my grand total to receive debt forgiveness after 120 payments. That is also {$9200.00} not credited to my account plus any interest I may have accrued. I have my bank statements showing that I made all of these payments. 

Also, when I call FedLoan servicing they are saying that I was on the wrong Repayment plan to receive loan forgiveness in XXXX and XXXX. FedLoan is the company that serviced my loan in XXXX and helped me consolidate them so when they sent my loan to XXXX they should have told them I was on an IBR plan.