davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastpoint Recovery Group, Inc (NJ)

XXXX XXXX from Eastpoint Recovery Group has been harassing me, my family and friends /acquaintances. I originally spoke with him and told him I paid the debt XX/XX/2018. He continued to call multiple times a day and then began calling my family and friends. I asked him not to call them 3 times and he continued to do so. My family requested he stop calling them and would repeatedly call them anyway. He left a detailed voicemail on my brothers phone about how I am refusing to pay the debt and he will Be reporting me to the credit bureau as refusal to pay. I spoke with him again and told him to stop calling anyone other than me and he has repeatedly been calling. He is very aggressive and wont stop. I have the receipt of the paid account so I know its paid in full. Hes been calling XXXX XXXX, XXXX XXXX, XXXX, and before and after XXXX.
Consumer complaint received 2021-07-19
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: High Performance Capital (NV)

I received the final payment of {$100.00}. Which I paid. I know there might be late fees but they never showed on the statements. XXXX from HPC called and said there were late fees. I asked him to send them to me in writing so I could pay them. He said he wouldn't that he was giving them to me verbally and I should write them down. I asked him to please have XXXX call me, ( XXXX was the one who set up the end of the month payments with me ). XXXX has never called. The next statement came, Account balance {$1.00}. Car repossessed.
Consumer complaint received 2022-09-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXr Account # 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
Consumer complaint received 2024-02-28
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. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (NY)

Hi. XXXX Gyms is attempting to collect a debt resulting from a membership contract that I never signed ( attached ) but I received by email. A gym employee signed it without my authorization. When I checked the contract on XXXX webpage, the initials on the contract and the address zip code do not match. 

I emailed XXXX in early XXXX and was told that they couldnt help, only the local gym can. I called the gym about a week later and they said theyd help, but didnt. 

When I called XXXX XXXX XXXX about a month ago to respond to a bill collection effort, I disputed the debt. After asking for a manager, they confirmed that two contracts were associated with my phone number without my knowledge, so I was told they ceased collection efforts on both. 

Today I received an email from Aldous & Associates, P.L.L.C. demanding payment of {$130.00}. I sent them an email to XXXX and got a response saying that the address isnt monitored ( despite being listed on the bill payment page ). When I called the XXXX number that appears on the website today XXXX XXXX XXXX XXXX, I restated the above and asked for them to cease collecting an invalid debt. The person on the line said we dont work like that and then hung up on me.
Consumer complaint received 2021-03-05
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. (NC)

I sent a letter to disputing accounts that are erroneous on XXXX and mailed them certified with proof they were delivered. I received notice in the mail that this company received the dispute letter NEARLY 60 DAYS AGO. It is now XX/XX/XXXX and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, they must delete all of the disputed accounts from my report. I also attached the original copy of my letter sent on 01/07/21. TransUnion JUST STARTED INVESTIGATION XX/XX/XXXX with an expected completion date of XX/XX/XXXX ABSOLUTELY NOT THEY WERE ALREADY GIVEN NEARLY 60 DAYS. IM NOT WAITING ANOTHER 30 DAYS BECAUSE TRANSUNION ISN'T DOIN THERE JOB AND IM PREPARED TO TAKE LEGAL ACTION WHICH CAN RESULT IN A {$1000.00} FINE PER UNDELETED ITEM PER THE FRCA. I will also be reporting this to the FTC if this is not resolved immediately.
Consumer complaint received 2022-07-18
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accountss as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (AZ)

The original creditor Citibank N.A was notified that the credit card was opened fraudulently. I have tried to resolve the issue for 2 years now. I have filled out the paperwork the bank sent stating charges were fraudulent. I had the credit bureau Freeze my reports do to this incident.
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IA)

I am being charged for equipment that I returned to XXXX in XX/XX/2018. I didn't know this was on my credit report. I no longer have the receipt of return. I know for a fact I returned it in XX/XX/2018 because I switched to XXXX on XX/XX/2018. I don't understand why they are charging me for this equipment. I have heard from others that this has happened to them as well with this company. I would like this removed as I do not owe it.
Consumer complaint received 2020-08-01
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. (IL)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX/JXXXX, 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 gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2020-02-05
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. (PA)

Experian has 2 address on ADDRESSES page 1of 14 XX/XX/19 XXXX XXXX XXXX XXXX is not a complete address unit missing number -- XXXX is not a complete address by Rxperian
Consumer complaint received 2021-07-19
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: EQUIFAX, INC. (PA)

I sent in dispute letter about inquire 's that was from identity theft XX/XX/2020. XXXX XXXX have not responded. XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-09-24
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

The debt was reported through credit bureaus as not belonging to me. Credit bureaus did an investigation, and the debt was validated that it was definitely not my debt. The company is now reaching out to me to fill out a fraud packet with through their company. They are not the original company with the debt. I have already completed a fraud alert through my own credit monitoring company. They are sending a fraud packet to address the identity theft claim regarding the account that has already been addressed. This is not my account. Why are they harassing and accusing me again. This is not fair. What the purpose of going through the credit bureau if I am going to have to keep revisiting this over and over.
Consumer complaint received 2022-02-04
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. (FL)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (NJ)

I have a card issued by XXXX for post adoption subsidy through the Eppicard service. I recently just couldnt use my card. I cant check the balance, nothing. I was referred to the fraud department and have not heard anything for a week. I have waited on hold for over an hour and still am unable to reach anyone to resolve this issue. There should be someone to help with issues.
Consumer complaint received 2018-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Universal Recovery Corporation (CA)

On XX/XX/XXXX Received debt collection call and letter on XX/XX/XXXX about a bill I was unaware of from XX/XX/XXXX for caregiving services. I was told I would be sued and my credit effected if do not pay. I had no past knowledge of this debt or late notices from the business. The amount was for {$2100.00} and no chance to dispute this bill for over 4 years and I was forced to pay or be sued.
Consumer complaint received 2020-09-23
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. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX  & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies. 

COVID-19 should not be a valid excuse for this!
Consumer complaint received 2020-08-01
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. (VA)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My name is XXXX XXXX My social security number is XXXX and my capital one card XXXX date of birth XXXX address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX My credit limit supposed to be higher then XXXX and spoken to capital one about a emergency credit line increase and it supposed to be approved the emergency was that my car needs repairs My complaint is that capital one credit is not helping customers when their an emergency Thy promise that even if you have XXXX credit the card will let you go over the limit And also capital one promise to extend more credit to new customers and existing ones but they didn't keep that promise
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

I received a letter from your company that the alleged debt has been purchased. 
Your company is owned by the same company that attempted to collect the same debt. 
LVNV funding was notified of the identity theft affidavit and a form was signed. 

15 USC 1692e ( 10 ) he use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

Your company is aware the debt that was purchased by LVNV and is aware of the FTC affidavit the company received. You are the same company umbrella, just a different sub name. 


Because your company falsely and misleading representations by attempting to collect a debt by the same company, going under another name is in violation pursuant to 15 USC 1692e ( 10 ).
Consumer complaint received 2022-07-18
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. (MA)

I submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the accounts. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 

XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2022-03-21
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. (TX)

in accordance with the Fair Credit Reporting act, everything has to be 100 % accurate on my credit report. The credit bureaus say the properly investigated but that cant be possible if accounts have multiple charge offs ( which reset the date of last active ), charged off accounts with past due amounts. Inaccurate reporting is grounds for removal. I have been patience with Equifax for over a year and they have yet to mail me proof of the investigation. this is severely hurting my chance for a financial future with this inaccurate reporting. they even have removed these account then place them right back on without an 5-15 day noctice.

they have also violated my rights under the 15usc 1681 sec 602 A which states i have a right to privacy.

Sec. 604. Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
i did not give permission for them to furnish any of this inaccurate infromation.
Consumer complaint received 2019-09-15
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)

In my Experian app .... Regards to XXXX XXXX acct. on XX/XX/19 I made payment {$400.00} with XXXX XXXX XXXX. Payment confirmation # XXXX. 
XXXX acct # / XXXX / XXXX still hasnt updated even after I filed Dispute on XX/XX/19. DISPUTE # XXXX. Account was closed and not shows my payment. 
Contact # for this is XXXX Experian shows this XXXX XXXX account. # XXXX as closed/ charge off and no payment. The address under contact information is. XXXX XXXX XXXX / XXXX XXXX XXXX. XXXX XXXX shows same status derogatory/closedown : charge off Contact info is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX In XXXX XXXX App In XXXX REPORT for This XXXX account is still showy DEROGATORY/ CHARGE OFF/ NO PAYMENT. Contact information with this is XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX with XXXX XXXX shows this XXXX  XXXX card also as charge off / PAYMENT STATUS shows no pay made Contact information with this is XXXX In XXXX XXXX APP this XXXX Card is in XXXX as charge/offe. bad debt and payment status is zero. Contact with this is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NV
Consumer complaint received 2023-03-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (IL)

Tried to get information to verify debt on XX/XX/2022 and I have not received any information stating that it was my debt owed. XXXX has not provided me any information to verify the debt belongs to me and I have no knowledge of the original creditor and what the debt is for.
Consumer complaint received 2019-09-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (CA)

I thought I had enrolled in automatic payments on my card and they said that I had a late payment and didn't reach out to my to let me know. Once I finally realized, I made the payment right away but it was an error on their system.
Consumer complaint received 2019-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

ONEMAIN FINANCIAL included this debt in the bankruptcy of another consumer and my responsibility for this debt was terminated, yet ONEMAIN FINANCIAL is reporting the debt on my credit report. Per court documents filed by their Banckruptcy Specialist, the debt belongs to one consumer named on the filing.
Consumer complaint received 2018-12-30
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: Experian Information Solutions Inc. (FL)

Early in XX/XX/2018 I requested my annual free credit report from Experian, XXXX and XXXX. I initially received acknowledgements from XXXX and XXXX but Experian has not provided any type of acknowledgement or my report within a reasonable time. These tactics used by the credit bureaus is simply an unacceptable tactic by these agencies to deny individuals access to there reports and / or to collect unnecessary data in there quest to data mine. As you can see from the form my data is clearly visible for the processing of my request. If XXXX and XXXX processed the request obviously that reaffirms that the request was received.
Consumer complaint received 2019-09-15
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. (VA)

I have one second mortgage with XXXX XXXX  XXXX, the Experian credit is showing two separate mortgages with same open, balance, monthly payment and same creditor and they are reporting both negative on my credit report.

There is only one mortgage in reality, and the status is not reporting accurately, the status is showing as foreclosure proceeding started. The real property has been foreclosed in 2010. 

I need help in getting this resolved please.