davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (GA)

DEAR XXXX XXXX & ALL REPORTING SERVICES According to the Fair Credit Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. otherwise, anyone paying your reporting services could fax, mail, or email in a Fraudulent account I demand to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF ARE UNABLE TO PROVIDE ME a copy of verifiable proof, you must remove the accounts listed below. 
I Demand the following accounts be verified or removed immediately. 
XXXX. XXXX XXXX XXXX IT HAS BEEN RE-AGED AND IM NOT AWARE OF THIS BALANCE SO PROOF OF CONTRACT WITH MY SIGNATURE AND ORIGINAL DATE OR REMOVE.
Consumer complaint received 2022-08-30
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. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 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 have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-30
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 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  have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (KY)

A debt collection agency showed up on my XXXX and I have never heard of them or received anything from them. I sent them a certified letter requesting they verify or validate my debt. I never received a response from the company. I spoke to XXXX and made the aware that I sent a certified letter and never received a response and they said they would conduct a dispute. They sent me a letter claiming it as verified with no proof from the company and nothing at all from the company leading me to believe they have some kind of deal with them. XXXX is the only creditor reporting this and I didn't get any resolve or clarification from them. Till this day, I have yet to get a letter or anything from this collection agency. They are still tanking my XXXX score while im building and working on my credit.
Consumer complaint received 2022-08-30
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. (NY)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-02-24
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. (DC)

This XXXX account has been disputed several times with Experian and has yet to be removed. The fraudulent account has been removed from XXXX and it's still pending with XXXX. Attached you'll see the report filed with the FTC in regards to the referenced account. Also, you'll see a copy of the results from XXXX showing the account has been deleted. 

The mentioned above XXXX account still reports on my XXXX credit, however, it's since been removed from XXXX. I understand that the credit bureaus do not share information. However, they do a similar dispute process to the other credit bureaus. If XXXX was able to verify the account as being fraudulent then why hasn't Experian or XXXX removed this account? Also, the other XXXX accounts XXXX XXXX XXXX was removed from my XXXX credit file as well and it's been removed from my Experian credit file, but remains on my XXXX file.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FCRA Violations Not My Credit cards XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$16000.00} XXXX Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$110.00} written off. 
NOT MY ADDRESSES XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX type XXXX family XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type XXXX complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family NOT MY XXXX NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential NOT MY NAMES XXXX XXXX XXXX XXXX XXXX NOT MY INQURIES XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

No way to access credit report or score online without paying ; requested annual credit report and received nothing in the mail. They could be illegally sharing information and not sharing my credit report history with me.
Consumer complaint received 2020-02-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Wilber and Associates, P.C. (FL)

Wilber and Associates called and harassed me for many years. XXXX XXXX was one of the representatives that has used illegal, unethical and cruel tactics on my file. This was a fraudulent claim that has been proven by the court system to be so. This agency has closed the file and there is a cease and desist on this file as well. They shared information about my file to an outside agency called XXXX when they were not supposed to and gave false information to this agency that may ultimately lead to legal action in the coming weeks. All I asked for was a letter stating my file was closed and they are refusing to admit that they already sent a letter in. My file is closed and there I am entitled to the truth and verification of this fact. This is a fraudulent claim I was not convicted of which can be proven by the court system.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I've reached out to Experian in XX/XX/XXXX to inform them about various inaccurate information reporting to my credit file. As a result I've been mistreated and passed around from office to office. Every time I call Experian I'm put on lengthly holds and talk to very rudely with nothing getting done in terms of correcting the inaccurate information listed in my credit report. I've been lied to and mistreated by various reps XXXX XXXX and XXXX XXXX from Experian have all talked to me rudely and disrespected and used slanderish and XXXX terms without providing me service on my file. At this point I feel very uncomfortable speaking to Experian. 

I'm at the end of the rope with Experian. I have all calls and experiances documented and my next step will be hiring and attorney and suing them in Federal Court. 

With that said I still have inaccurate information reporting on my file that needs rot be finally addressed as a result of ID THEFT. Here is a list of the inaccurate things : Accounts : 1. XXXX XXXX XXXX Acct # XXXX ( Fraud ) 2. XXXX XXXX Acct # XXXX ( Fraud ) 3. XXXX XXXX XXXX Acct # XXXX ( Fraud ) 4. XXXX XXXX Acct # XXXX ( Fraud ) Public Record : 1. Chapter XXXX bankruptcy petition # XXXX Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.XXXXXX/XX/XXXX12. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Also Enclosed my FTC FRAUD AFFIDAVIT
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

account was paid in good standing XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms M XXXXM Date Opened XXXX/XXXX/XXXX Account Status - Payment Status Late Payment Status Details Bad debt & placed for collection & skip Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance {$13000.00} Monthly Payment {$320.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments CHARGED OFF ACCOUNT Payment History
Consumer complaint received 2017-08-31
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. (NY)

account was paid in good standing XXXX XXXX  XXXX Account Number XXXX Account Type Credit Card Terms M XXXX Date Opened XX/XX/XXXX Account Status - Payment Status Late Payment Status Details Bad debt & placed for collection & skip Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance {$13000.00} Monthly Payment {$320.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments CHARGED OFF ACCOUNT Payment History
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MO)

I started using Coinbase to buy crypto currency in 2020 or so. I had some trouble early on with getting a promo offer, but eventually support finally made it right. About a year later, I recommended someone and never got the referral bonus but couldn't concretely prove it and it wasn't worth suffering through the support system to get it. In XXXX, I changed my name and began working with XXXX to get my name and information updated on my account and my account verified. I have been struggling ever since. I was asked to upload my documents dozens of times. I finally had to escalate angrily to get that one part done. Then my account wasn't verified and I was unable to earn interest for months and it took months to get that straightened out. I tried to take advantage of other promotions and staking, but couldn't because the level of support was so terrible. I would ask a question, they would never answer and ask me to trouble shoot. Never read the email, just blanket trouble shoot. So frustrating. I opened a complaint with XXXX, they recommended me to FTC and other agencies because they couldn't resolve with Coinbase. Coinbase has a very specific process on how to handle a complaint on their website- I followed the formal complaint process, but they closed it saying I had an open support ticket and that I needed to close that prior to opening a formal complaint. I replied that I am opening a formal complaint due to the fact that I have spent the past several months fruitlessly struggling with support without any resolution and am escalating the way they design and was shocked to find them ignore the formal complaint to the already terrible service. They run you around in endless circles with no desire to actually resolve any issues. I don't believe they intend to resolve any issues- in fact, I believe that they purposely avoid solving issues to avoid paying out any advertised incentive. I don't know if it's false advertising, but it's certainly not following through with promised incentive. And the customer service is the absolute worst in the business. I have emails that can be viewed if there is somewhere to forward them.
Consumer complaint received 2021-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I am pursuing Public Service Loan Forgiveness. There are errors with the count of qualifying payments. 
I have been making payments on my loans since XXXX of XXXX. My payments have been made automatically using

Direct Debit.

I requested one month of forbearance, XX/XX/XXXX. 
I estimate that I should have 99 qualifying payments through XXXX of XXXX I have 12 loan sequences ( LS ). 
LS

1 has 86 qualifying payments. LS 2 has 97 qualifying payments. LS 3-5 have 98 qualifying paymen
ts.

LS 6-8 have 99 qualifying payments.

LS 9-12 have 91 qualifying payments.
Consumer complaint received 2022-08-30
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. (FL)

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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX XXXX Balance : {$48.00} XXXX  XXXX Balance : {$97.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

REGARDING : TRANSUNION Free Annual Credit Report : XXXX DANGEROUS URL Malware Alerts Date : XX/XX/17 Duration : @ XXXX XXXX - XXXX XXXX Went to the TransUnion website to order a free Annual Credit report Attempted to complete request form for free Annual Credit Report - did not remember my User Name & Password Got locked and instructed to call TU. 
The representative asked me questions to confirm my identity. 
Do n't recall if conversation was being recorded for QA I asked if it was better to get each report individually or 3-1? 
*Agent : tried to sell me on TU being the best & most accurate & for a small charge could get the FICO score after telling me FICO score really is n't important to me because creditors use different scoring to make determination. 
*Told me my User Name Said he would send a temporary Password via email. He cautioned PW must be typed in not cut & pasted. 
Ended the call after approximately 10-15 minutes Temporary Email arrived at XXXX XXXX  with a link *** ( 508 ) Compliance Code does not indicate if what is displayed is a lower case letter or number. 
Attempted the Voice Activated Code. This attempt locked me up. 
Used the link provided. 
After nine ( 9-10 ) Web Anti-Virus Malware Alerts from XXXX ( Dangerous URL Blocked ) *XXXX ( SCREENSHOTS - See Attached File ) I was able to reach the credit report. 
Saved credit report & logged out of site Re : Malware Alerts - this is the first time I 've ever received Malware Alerts from XXXX At XXXX XXXX investigated the Malware - ( See Attached File ) CONCERN : Why are these alerts coming unless TransUnion is compromised? And I might be compromised as well? or it 's a scam to buy additional products to secure credit reports? 
***I will not go back to TransUnion - will request in writing.
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (WV)

Fraudulent charge on my credit report. Dated : XX/XX/2021. 
Company : XXXX XXXX Amount of debt : {$1100.00} Collection letter received by Jefferson Capital on XX/XX/2021. 
Spoke to XXXX  about this. They said to contact FTC. 
Account # XXXX I have had XXXX XXXX XXXX as my cellular service for 5+ years. This XXXX XXXX account was opened fraudulently. 
Please help!
Consumer complaint received 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ENCORE CAPITAL GROUP INC. (AZ)

In XXXX of 2022 XXXX XXXX XXXX. closed and charged off a XXXX credit card account ending in XXXX in my Name. XXXX XXXX XXXX XXXX they now own the account and the account agreement, but they do not own my information in said account. XXXX XXXX XXXX. proceeded to sell my information to XXXX XXXX XXXX  without my written permission ; constituting identity theft as well as well as violating the Gramm-Leach-Bliley Act as XXXX  XXXX N.A. is a financial institution who is to remain compliant with the FTCs XXXX XXXX. XXXX XXXX XXXX now has all my Nonpublic information. And per contract law, XXXX  has no enforceable contract with me.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello! 

I have sent documentation of my credit report to Experian and XXXX to resolve incorrect information that has been reporting on my credit report. I will attach documents of everything that is incorrect and it is listed across all 3 reporting agencies. The amounts shows different balances, opening, and closing dates.
Consumer complaint received 2022-08-30
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. (CA)

Previously I established an investigation of some accounts with erroneous information and after reviewing your response I perceived that some accounts are still incorrect, with verified status. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXX XXXX  XXXX XXXX Balance {$8300.00} Date Opened XX/XX/2014 XXXX