davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-01
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have did two disputes with Transunion to remove an account off my credit report that should not be there.I have did it on line and sent the information via PRIOROITY MAIL TRACKINGNUMBER:XXXX.The account in question is XXXX XXXX XXXX for $ XXXX.This account should be removed asap due to the resolution listed below from XX/XX/XXXX which is past the 60 days and the request that I sent via mail has past 30 days with no resolution. 

Company responded Status Company responded on XX/XX/XXXX Response Type CaseID : XXXX Closed with explanation Company 's Response Dear XXXX XXXX XXXX, The account that you are referring to in the amount showing owed of {$1200.00} originated from a purchase with a company called XXXX. XXXX XXXX XXXX purchased this debt in XX/XX/XXXX and did report based on the delinquency date ofXX/XX/XXXX. However, this debt has since been requested to delete from the credit reporting as XXXX has not received the requested documentation from XXXX. If documentation is received at a later date we will notify you prior to any reporting. Once we request a deletion from the credit bureau, it can take up to 60 days to reflect this deletion request on your credit report. I also confirmed that XXXX XXXX XXXX never had any Request for information. Please contact our office if you have any additional questions at XXXX. We look forward in assisting you with any additional questions you may have regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX responded Status Company responded on XX/XX/XXXX caseid:XXXX Response Type Closed with explanation Company 's Response Dear XXXX XXXX XXXX , The account that you are referring to in the amount showing owed of {$1200.00} originated from a purchase with a company called XXXX. XXXX XXXX XXXX purchased this debt in XX/XX/XXXX and did report based on the delinquency date ofXX/XX/XXXX. However, this debt has since been requested to delete from the credit reporting on XX/XX/XXXX. Once we request a deletion from the credit bureau, it can take up to 60 days to reflect this deletion request on your credit report. I also confirmed that XXXX XXXX XXXX never had any Request for information. Issues like this can be resolved by contacting us directly rather than filing a complaint such as this. We have again requested the Credit reporting Agency to delete item per the previous request and have attached the AUD number and letter for your record. I do apologize fro the delay in getting the Credit Reporting Agency to have this corrected. Please contact our office if you have any additional questions at XXXX. We look forward in assisting you with any additional questions you may have regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
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. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-27
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. (PA)

After communicating with XXXX XXXX from XXXX XXXX  XXXX XXXX XXXX XXXX team XXXX days later. He sent me over a contract with the signature that is NOT mines also the address is incorrect. This erroneous contract did not have my apartment number on the contract the debt they claim I owe. I tried telling them that multiple times to delete this invalidate dept from my credit report neither creditor or XXXX, XXXX and TransUnion failed to comply. I wanted this account deleted my account immediately after I realize its on my credit report in addition of these agency is in violation of 15 USC 1692g.
Consumer complaint received 2021-06-09
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. (CA)

I would like to file a complaint with XXXX and Transunion. XXXX  is reporting two bankruptcies on my credit file and I requested for XXXX to follow the Fair Credit Reporting Act and investigate both of those bankruptcies for me. I am sending you the evidence that I actually disputed it with XXXX at least three times and each time they verified it incorrectly or they never verified it. as evidence the phone number that XXXX  claims that they called is actually a disconnected number on my credit report. I would also like XXXX to review my entire credit report and all my mortgages are paid on time. All my bills are paid on time there is no evidence of bankruptcy or my account would have shown that they are a part of XXXX XXXX or XXXX. I am asking XXXX for the last time to either verify them properly or by law you must remove anything that you can not verify after investigation and I would like to give him 30 days to verify or remove these two bankruptcies from my credit report. I'm a full-time XXXX and I have no extra time to dispute accounts with XXXX
Consumer complaint received 2024-02-06
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (CO)

Midland Funding LLC filed a suit against me in XX/XX/XXXX. They claimed that I owe roughly {$1200.00} in a debt collection effort dating back to XX/XX/XXXX. They filed the suit in XXXX XXXX XXXX, Indiana, a county where I do not live. I have never lived at the address claimed in the suit and do not even know where they obtained that. All documents/subpoenas were mailed to address of where I do not live so I was levied a default judgement in XX/XX/XXXX. The only document I have ever received was in XX/XX/XXXX, and it was a motion for change of lead counsel. So following 1 year and 8 months this was the only attempted communication concerning a lawsuit. 

I live in Colorado and even their own evidence submitted to Indiana Courts contained my current address in Colorado. Midland Funding and their attorneys had my address readily available but still chose file a suit in a state of which I do not live and sent documents to an address I have never resided in. I believe they attempted unfair practices to collect a debt by knowingly filing a suit in a state I do not live and where the debt did not occur so they could obtain a default judgement and hope that I would not fight it. As shown by federal case XXXX XXXX AL. V. MIDLAND FUNDING, XXXX ET AL. CONSUMER ACTION, this is a common tactic done by Midland funding and the fine levied in the lawsuit against Midland Funding did not deter these kind of tactics.
Consumer complaint received 2018-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (TX)

Rentdebt Automated Collections placed an account on my credit report without sending a 30 day notice. When I asked them to remove this from my credit report they refuse to and never sent anything about the debt. They have not returned any of my calls that I have made to their office.
Consumer complaint received 2020-07-25
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: Experian Information Solutions Inc. (PA)

XXXX  XXXX is habitually late in reporting XXXX  balance. They are still reporting a high balance when I paid my bill in full. This is affecting my score. 

Acct # XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-11
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. (AR)

In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality accounts FAIR COLLECTIONS AND OUT and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A - STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 section 604 A section 2 a 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 CONTAING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, ORTHER THAN RECORDS OF CONVICTIONS OF CRIMES ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE
Consumer complaint received 2020-12-13
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: ZIONS BANCORPORATION (CA)

I have an inquiry from Zions XXXX XXXX dated XX/XX/1974 that I do not recognize nor recall initiating. 

It is appearing on my XXXX  credit report.
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

I am unable to initiate an online dispute or view my dispute results. There is a message that says we are experiencing technical difficulties. 

This happened before and was due to the file size of my credit report mainly due to the number of experian and experian credit match soft inquiries which are generated from the credit monitoring service.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

I sent a letter disputing the account with the collection agency. Then I disputed the account with XXXX CRA. XXXX XXXX is falsely stating this acct was included in my Chapter XXXX. This account was turned over to Midland from the original creditor ( XXXX XXXX ) in XX/XX/XXXX. I filed BK in XX/XX/XXXX and it was discharged. So, how could this acct be included in the BK. My XXXX XXXX acct was never opened or established when I filed BK in XX/XX/XXXX. The info below shows what XXXX XXXX is reporting to XXXX : Account NameXXXX XXXX Account NumberXXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusDischarged through Bankruptcy Chapter XXXX. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$590.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX
Consumer complaint received 2024-02-06
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My name is XXXX XXXX. I am making this complaint of my own accord and do not consent to XXXX verification. In response to CAPITAL ONE BANK reporting inaccurate information to three of XXXX. I have contacted CAPITAL ONE BANK to produce proof pursuant to rule 1002, of an original contract. It has been more than 180 days. I never received full disclosure from any of the companies mentioned that my personal non public information would be used in this deceptive way. Pursuant to 15 USC 1692g I am to be provided with the correct validation by CAPITAL ONE BANK of a " debt '' the alleged is " owed ''. Given that I have contacted not only CAPITAL ONE BANK but XXXX, XXXX, and XXXX more than 180 days ago to dispute and have them correct their error, 15 USC 1692g ( b ) subsection ( a ) states that they should cease and desist all communications, verbal and written until the disputed " debt '' is validated.15 U.S. CODE 169f. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the " debt '' or permitted by law.
Consumer complaint received 2018-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Suttell, Hammer & White, P.S (CA)

I had judgement in XXXX against me with XXXX XXXX. The collection agency Suttell and Hammer is handing it. I was paying {$50.00} a month volunterily since XXXX. Now I have paid over {$2000.00}. 
On XX/XX/XXXX my checking account was frozen with XXXX  balance from a notice from Suttell and Hammer. I called Suttell to asked them why couldn't I receive a notice that Suttell was going to do this since I have been paying them since XXXX I feel this wrong for the company to do this without given me ANY warning and taking ALL the money in my checking account. I have {$35.00} in wallet as I am writing this to you all.
Consumer complaint received 2018-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (PA)

I signed up with Ameritech in XXXX of 2016, after receiving a letter in the mail. They told me for a fee they would enroll me in a payment plan based on my income for my federal loans. After ten years of being in the program they said all my federal loan debt would be forgiven and forgotten. I signed up for the program paying {$250.00} dollars for 6 months. After that it would be {$99.00} a month based on my income.

I remained in the program until a received a letter from the Federal Trade Commission saying Ameritech was lying and deceiving their customers. I called Ameritech to ask for a refund of my money. I was told by the person in customer service that the allegations against them were not true and they had already filed two lawsuits against the Federal Trade Commission. I told them I did not care and just wanted my money back. I was told at that time no refunds were going to be given back until after the court hearing.

I'm at a stand still right now with the whole process. I just want my money back so I can try to rebound in life and financially.
Consumer complaint received 2022-06-11
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-06
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS 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
Consumer complaint received 2021-02-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Portfolio Services, Inc. (MS)

I received a AUTOMATED robo call from company that claimed to be '' COMSUMER PORTFOLIO SERVICES ''. I HAVE NO DEBT! THIS IS SCAM COMPANY. AND IS JUST ONE OF SEVERAL SPAM AND SCAM CALLS THAT I RECEIVE. THIS FAKE DEBT COLLECTOR PHONE # is XXXX. THIS OCCURED TWICE ON XX/XX/2021 at XXXX ; XXXX XXXX. I HUNG UP KNOWING THAT I HAVE NO DEBTS.
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (AR)

This is a problem with discover credit card. I have tried to resolve this problem I had so charges on my credit card that I didnt authorized. You see I had XXXX in XXXX 2016 most of my credit cards was paid off. I had severe complications the XXXX which I was in and out of the hospital for two years then I went to a XXXX for about six months or so after I got out and was made aware of everything my credit cards were stolen and I took action on this and I called the credit card companies and disputed the charges I also made a report identity theft. Most of the credit card companies took it off my credit report disputed it no problem Discover is giving me a very hard problem they are now taking legal action against me when I have asked multiple times for them to prove the charges and give me an itemized statement that has all the charges on there so I can go over them all they can produce is the top copy of my bill which includes the amount charges the late charges the interest and all that but nowhere in there is an item my statement I have made them aware of this and they still are taking legal action against me and I do believe this is unfair. They are saying that I owe over {$2000.00}.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

This was sent to your attorney with a failure to response on his behalf. See that he gets this in the next five business days or else more legal action will be filed for improper use of my credit file. I did not ask your office to investigate anything since the pending lawsuit was filed. Therefore you shouldnt be investigating anything on my behalf! 

Hi XXXX, I wanted to bring this to your attention that I received information from your client Experian claiming that they had completed an investigation on or around XXXX XXXX I have not asked them or requested anyone to open up any investigation in my name since I filed suit, Im attempting to file another lawsuit for violating the FCRA for improper used of the credit report. We are awaiting trail! They should not be tampering with evidence and a pending trial, I asked you to advised your client to cease and desist immediately. As more and possible legal action could and will be filed! 

Thanks, XXXX XXXX
Consumer complaint received 2018-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (VA)

credit card number was stolen in XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
Consumer complaint received 2022-06-11
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. (MO)

In accordance with the Fair Credit Reporting act XXXX  Account and Account # 's DEPT OF ED / XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions