davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-31
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. (HI)

I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-07-11
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-13
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. (IL)

I called Transunion LLC about the deletion of unauthorized hard inquiries on my consumer report in XX/XX/XXXX. They directed me to call the creditors to have them request that the inquiries be removed from my consumer report. I called the creditors but was not able to reach anyone that could help me. 

On XX/XX/XXXX, I sent 10 letters to Transunion LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX to demand deletion of each inquiry reported on my consumer report where my consumer report was obtained without my authorization or permissible purpose under the FCRA. I requested the following inquiries be deleted ( letters attached ) : 1. XX/XX/XXXX, XXXX XXXX via XXXX XXXX XXXX XXXX 2. XX/XX/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 via XXXX XXXX Transunion sent me a letter on XX/XX/XXXX on file number XXXX that does not adhere to my request to promptly delete the unauthorized inquiry or if they conclude that the inquiry listed is verified, I request details of their method of verification ( letter attached ).
Consumer complaint received 2023-03-20
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (IL)

Ability Recovery Service has illegally obtained my personal information, this company is using my social security without my authorization or signature and is done UNDER DRESS. I spoke to a XXXX at ARS, on a recorded phone call ( XXXX ) and she said she was the secretary, manager & supervisor. This violation of 15 U.S code section $ 1692e false and misleading representation. and is saying collection debt on behalf of XXXX XXXX group is fraud. At common Law this is fraud and extortion. The lady who was on the other end phone, mocked me as i told her i practice common law, in which is my GOD give right, and that right was denied. The ARS is Tring collect a debt that's already pad paid. See, title 18 - 31 section 8, see title 31 section 3123. Under these obligations United States Exemption from taxation. an this company is violation the terms and provisions of the Unites States
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (OH)

Im accordance with The Fair Credit Reporting Act the United States Bankruptcy XXXX Ohio District Case Number XXXX 15 U.S.C 1681 section 602 A States that I have a right to privacy. 
15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax sent a letter questioning the Trafficking 's law. I send all documents ad they did not send me any response besides the letter that will be attached and I will send by fax and by mail. Equifax only sent me responses that the names were corrected and deleted, but not the ( 1 ) account that I requested to be removed.
Consumer complaint received 2023-03-20
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. (AZ)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX inquiry XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXXXXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry XXXX XXXX XX/XX/XXXX Do not recognize, may be unauthorized XXXX XXXX XX/XX/XXXX There are multiple inquiries all within one day of each other on my credit report but I only authorized one. Please remove all of these unauthorized inquiries immediately.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NJ)

I made a Venmo account for my IRS refund to go to and I was trying to withdraw and transfer over money to my boyfriend and Venmo flagged my account they emailed me and asked for me to send in a picture of my ID I went ahead and sent them a picture and a few days later I received a email saying it could not be accepted I was asked to send in some more documentation and later that day before I got the chance to submit any of the documents I got another email stating that my account was permanently deactivated and my funds will be held for 180 days. They did not give me the chance to submit anything before they went ahead and deactivated my account. I have about XXXX in funds that I can not access they suspended my account on the XXXX of XXXX
Consumer complaint received 2022-02-02
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX : Social, ID, Identity Theft report
Consumer complaint received 2018-10-31
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: CORELOGIC INC (AR)

XXXX, XXXX, XXXX, XXXX ETC.. ARE SHARING MIS INFO ABOUT ME AND PULLING INQUIRES. ALSO, REPORTING NEGATIVE INFO FROM OTHER BUREAUS.
Consumer complaint received 2018-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp (NJ)

I received 5 calls, back to back, on XX/XX/18. This morning, on XX/XX/18, I already received 2. I receive at least 3 phone calls every day from this number, 7 days a week, to the point that I had to block it in my phone. This has been ongoing for at least thirty ( 30 ) days now. 

I am making payments to a XXXX account on a debt and I am doing so diligently, and this is the only account I have with them. As I am making payments, there is NO need to constantly keep calling me.
Consumer complaint received 2018-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (TX)

Checked credit report and see there is a new collection added to report. I haven't received any correspondence of a debt to dispute and have never dealt with this company. I don't have any contracts or legal obligations to this company. Please provide proof of validity. Delete from my credit report
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (AZ)

On XX/XX/2022, I received 7 phone calls from Conn 's Furniture in regards to an existing loan with their company. They have done this in the past and I have repeated to multiple representatives to not contact me between the hours of XXXX Arizona time as I'm working and require my cellular device to communicate with clients. Since this occurred on a Friday, XXXX of my clients meetings were interrupted and I felt extremely harassed when the last phone call occurred at XXXX that day.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (GA)

This agency has been harassing to pay a debt that has already been paid. The debt was paid in XX/XX/XXXX. They are still harassing me. I had to block their number and I am still getting letters. I told a man in XXXX, I would take care of it. I did not even remember the debt and I took care of it like I said I would. I found out today XX/XX/XXXX that they added the debt to my credit report, falsely. They are not managing their accounts correctly or trying to make me pay the debt twice so that they can make money off of me. I am literally in the process of looking for a home and they are messing with my credit score and ability for my family to buy a home.
Consumer complaint received 2023-03-20
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. (NJ)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXXXXXX 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 2017-12-19
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. (IL)

I called to speak with some one at Transunions yesterday. I informed them that I have been a victim of their inquiry  problem. I am not responsible for the inquiries that are showing on my report, and I would like them removed immediately.
Consumer complaint received 2018-10-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

My student loan is from a private lender called AES ( American Education Services ). I believe this company is operating fraudulently! If you search online you will find numerous complaints similar to mine. Because they are a private lender they claim they can do what they want. 
Heres the issue : I have an excellent credit score and make timely payments every month. In the past I was making extra payments. I occasionally get a letter from AES that says there are new terms to my loan repayment. Each time that letter is a recalculation of my balance and it keeps getting higher! 
It is impossible to ever pay off the loan because once you get close they recalculate and increase the total again. Ive been paying on this $ XXXX loan since XX/XX/2007 and have gotten these letters numerous times. Yesterday I received one and it shows that although I had the principal paid down to $ XXXX, they have recalculated and are adding fees and I now owe almost $ XXXX! This is fraud. I truly believe they are operating dishonestly and illegally. 
Im a hard working individual who pays every month and even was making extra payments on my loan. Im not asking to get my education for free or to not have to pay back my debt. Im happy to pay back my debt and interest however what this company is doing is wrong. This is something that needs to be stopped! Help!
Consumer complaint received 2023-03-20
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. (MO)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX Balance : {$370.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX Balance XXXX {$25.00} XXXX XXXX Balance : {$190.00} XXXX  XXXX Balance : {$280.00} XXXX  XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX Balance : {$55.00} XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX XXXX Balance : {$5.00} ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX T XXXX XXXX Balance : {$330.00} XXXX
Consumer complaint received 2022-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

The company Discover Financial Services closed my secured credit card for XXXX bias reasons. I reached out for a valid explanation and was provided with 2 different reasons for the closure. I have requested documents and the exact reason per my under the cardholder agreement and was never provided an answer.
Consumer complaint received 2023-03-20
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. (NY)

name is XXXX XXXX XXXX they have so many different names on my account that I would like to get taking off I only want XXXX XXXX XXXX on my credit report no others
Consumer complaint received 2018-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

On XX/XX/2018 I sent a returned receipt and certified letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. My request is to validate that I owed this account. In returned they sent me a letter with amount owed without any validation. 

I sent another letter dated on XX/XX/2018 I demanded to see a consumer contract with my signature on it indicating I need to pay them. They never responded with validation or any information indicating this account belongs to me. Therefore, another letter was sent to XXXX XXXX dated XX/XX/2018 to be advised this is my third attempt for them to produce any original documentation signed by me that I need to pay them. They refused to validate what is required by law under the FCRA. They are also reporting this information with the credit bureaus without being verified. I demanded to see verification on this account and they refused to send me any original documentation with my signature. All letters were sent returned receipt and certified mail.
Consumer complaint received 2018-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (MA)

Discover credit card made an unauthorized balance transfer of {$25.00}, telling me not a word about it, just writing that they had thus resolved my dispute, when I first discovered the balance transfer, for which I had never asked. I have contacted the company no less than 25 times. Their so called Office of the President insist that they had investigated everything and all is in order. The last nonsensical letter has been received today, XX/XX/2018. WHO GAVE DISCOVER MAKE ANY BALANCE TRANSFERS FOR ME  WITHOUT ASKING MY PERMISSION? They must remove that unauthorized BT from my account immediately, and fined, SEVERELY, fo this fraud
Consumer complaint received 2017-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (PA)

Last Reported XX/XX/XXXX Collection Agency MED DATA SYS Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$170.00} High Balance {$170.00} Remarks Placed for collection