davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4 Validate Account Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-10
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. (CA)

A debt collection agency is trying to collect a debt from me, and the information is incorrect. I have already had the original debt collection agency deleted, and now a new one is reporting, and has been re-aging the debt. I had this debt removed from all but one credit bureau. Transunion has ignored my requests to investigate, and I have just sent a second correspondence nearly two weeks ago addressing the correspondence I sent them on XX/XX/XXXX. I am including all the certified letters I sent, showing the dates. No investigation was done by Transunion, and Transunion has not removed this inaccurate account. 

I am also including the XXXX XXXX creditor 's information, which has been deleted, which was also inaccurate, to show that the debt XXXX XXXX XXXX XXXX XXXX XXXX is incorrectly reporting is inaccurate, and is an attempt at re-aging a debt unlawfully.
Consumer complaint received 2018-04-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have been disputing items on my credit report that is old debt. that I have no idea of and is not my debt, I would like the credit agency to delete these items. they are being bought and sold by credit collection companies, And hurting my credit status. I have been disputing these items since last year XX/XX/XXXX, XX/XX/XXXX, and present. These credit agencies are unethical and are in full support of the collection agencies.
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

XX/XX/2018 Noticed this debt on my credit report XX/XX/2018 Called XXXX XXXX XXXX at XXXX and talked to " XXXX '' where I gave her my phone number, address and date of birth. She pulled up the debt, stated that it was from XXXX XXXX and informed me that the call was being recorded. Great! Since the amount was under 100.00 I asked that the debt could be settled for a 1/3 of the amount and removed from my credit report and written notification of such be mailed to me. Payment today to be done with the debt. She informed me that she was unable to negotiate. I asked to speak to her supervisor. A " XXXX XXXX '' came on the line. I informed him of my desire to settle the debt, and have it REMOVED from my credit report. I will settle for 1/3rd or 2/3rds of the amount owed and again have WRITTEN notification sent to me about the transaction. XXXX XXXX informed me that they do not send written notification, that I must pay the amount owed immediately or I will be charged more. I asked for a his supervisor, whom he says does not take phone calls. I mention to him that I was familiar with the Fair Debt Practices Law and you can't not MAIL me information about my debt, nor can the company increase my charges because I initiated a phone call. He was unwilling to change his statements. I asked for a transcript of our conversation and again was denied.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

Lexis Nexis reported a judgement against us that was a total error. They obviously did not even read the judgement as someone sued us as well as many other named defendants. They got a successful judgement against only one of the many named defendants which was not us. I have tried to contact them several times to get this corrected. The number listed on the credit report was not a useful number and you could not reach a person or leave a message. I looked up and called 2 other numbers to no avail. This cost us a mortgage refinance and is infuriating that they apparently have no responsibility to even read the judgments they receive before posting them to peoples records. When I spoke to a manager he said they advise that their information may not be accurate but that is my problem not theirs.
Consumer complaint received 2021-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (NY)

I received a letter from this company dated XX/XX/XXXX ; indicating that I owe an unsubstantiated debt that was charged off on XX/XX/XXXX ; almost 8 years ago ; which is well over the statute of limitations of 7 years.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

I was trying to transfer XXXX  American Express membership rewards points to XXXX account on XX/XX/2018 but it wouldn't allow me to complete the transfer, indicating " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. ''
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-07-21
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)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-31
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. (FL)

I submitted through certified mail police report, FTC fraud affidavit and documents needed to Transunion credit bureau to remove fraudulent items from my credit report these documents arrived on XX/XX/2020 with certified mail receipt and according to the federal law they have four days to remove and block this information from my credit. Today XX/XX/2020 I spoke with a supervisor at transunion. She explained to me that they received my documentation and that they will not remove or block the information from my account. I explained to her that I had spoken with the federal trade commision and sent them the needed documentation. She replied sorry I cant do anything.
Consumer complaint received 2018-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

MY HUSBAND HAS A CAPITAL ONE CREDIT CARD WHICH TO MY KNOWLEDGE I WAS NOT AN AUTHORIZED USER, NOR DID I WANT TO BE AN AUTHORIZED USER. I AM NOT A CO-SIGNER NOR DID I EVER GUARANTEE PAYMENT ON HIS CREDIT CARD ACCOUNT I HAVE MY OWN CREDIT CARDS WHICH I USE CAREFULLY, TO ASSURE THAT I AM ABLE TO PAY IN FULL THE MONTHLY STATEMENTS. I FREQUENTLY MONITOR MY CREDIT SCORE FOR THE PURPOSE OF INCREASING MY CREDIT STANDING. 

IN CHECKING MY SCORE I DISCOVERED A SIGNIFICANT REDUCTION. 

THE REASON? 
MY HUSBAND HAS A CAPITAL ONE CARD WHICH IS DELINQUENT AND BECAUSE OF THIS CAPITAL REPORTED ME DELINQUENT. I CALLED CAPITAL ONE AND SPOKE TO AN AGENT AND TO A SUPERVISOR AND WAS TOLD THAT I HAD ABSOLUTELY NO RESPONSIBILITY IN REGARDS TO MY HUSBANDS ACCOUNT. CAPITAL ONE ALSO OFFERED NO EXPLANATION WHY THEY REPORTED ME DELINQUENT. PLEASE HELP ME TO RESTORE MY GOOD STANDING WITH THE CREDIT COMPANIES
Consumer complaint received 2018-04-18
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: OpenRoad Lending (AR)

I woke up the morning of XX/XX/2016 to an alert sent to my email for a decrease in credit score. I sent off for my report to access for any changes in activity and I notice that open road lending had accessed my report without my consent. I contacted the company directly to attempt to remove the inquiry and was told it would be removed. I never gave them permission to access my credit. Recently, after applying for a home mortgage I notice that this inquiry is still reporting negatively.
Consumer complaint received 2023-01-16
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. (AL)

I am a victim of the EQUIFAX XXXX XXXX of XXXX. I didnt get the notification that i was impacted. I found out recently about the extended claim period and i spent well over 85 hours doing my research and getting reports and doing the requirements to file the claim. I have been still doing research since filing my claim. # XXXX I submitted my claim by priority mail and certified mail tracking # XXXX which was received on XX/XX/XXXX. I have called and the claim has been received and it has been under review for well over 4 weeks. I have called and the customer service never has any information or any updates. I want to know what is going on and how long is the process.
Consumer complaint received 2018-12-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

On several occassions I contacted SallieMae and Navient regarding difficulty in making payments. Sallie Mae had told me on one occasion that my loan was not eligble for forgiveness because it was initiated before XX/XX/1991, even though I qualified in XXXX area, including teaching ay-risk students in non-profit intitution, in an urban area. Both servicers offered forebearance, and never offered any repayment options. I beleive my loan has been in forbearance a total of 10 times. I dont rememberdate as this has occurred over 12 years. At one point my loan was {$9000.00}. Now it is up to {$20000.00} because representatives at Navient recommended forbearance.
Consumer complaint received 2022-07-21
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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 2020-01-31
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. (NV)

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding.

Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness.

Please remove these item from my report or legal action will be taken.

Thanking you in advance.

ACCOUNT : XXXX
Consumer complaint received 2018-12-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MI)

I accepted service from XXXX XXXX XXXX. The company did not inform me that internet was required. They also told me that the agreement was at will without penalty. They never addressed my needs as a customer. My bill is only {$230.00}. They placed false information regarding my bill with a collection agency who has placed information on my credit report without contacting me or giving me an opportunity to dispute the validity of the debt. The debt is not valid. The actions are unlawful and I am requesting that the actions of this collection agency be reported to the Federal Trade Commission.
Consumer complaint received 2018-12-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

EXPERIAN CREDIT BUREAU IS IN VIOLATION OF THE " STATUTE OF LIMITATIONS '' ON MY CREDIT MATTERS, " SINCE XX/XX/2018 COMPLAINT XXXX ABOUT EXPERIAN ''. MY CIVIL LIBERTY RIGHTS, FUNDAMENTAL RIGHTS BEING VIOLATED. THEREFORE ; FAILED TO NOTIFY ME ABOUT MY CREDIT REPORT DISCREPANCIES IS IN VIOLATION OF " STATUTE OF FRAUDS, AS THEY PUT A STATUTORY PERIOD. CF. LACHES ON MY CREDIT MATTERS, WITHOUT PROMPTLY CONTACT ME ABOUT MY CREDIT REPORT DISCREPANCIES, ETC. DEEMED TO BE A TRIAL BY AMBUSH OBVIOUSLY HAPPENED TO MY CREDIT REPORTS MATTERS. VIOLATION OF MY FOURTH AMENDMENT ( 1791 ) AND MY FIFTH AMENDMENT ( 1791 ) AMENDMENT VIII AND AMENDMENT IX ( 1791 ) ALSO BEEN VIOLATED BY THE CREDIT BUREAU [ S ] AGAINST  MY RIGHTS. DEEMED BIAS WITH ANIMUS ACT AND ACTIVITY AGAINST ME, ACCORDING TO OUR RULE OF LAWS I MENTION HERE-ABOVE. XXXX XXXX IS IN VIOLATION OF OUR CIVIL LIBERTY RIGHTS, & FUNDAMENTAL RIGHTS, AS I MENTION HERE-ABOVE ALSO. BIAS WITH ANIMUS CONSPICUOUSLY.
Consumer complaint received 2018-04-18
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. (CA)

Personal information was stolen back in early XX/XX/2016and since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.
Consumer complaint received 2018-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Personal information was stolen back in early XX/XX/2016and since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.
Consumer complaint received 2020-01-30
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. (AR)

I received a call from collections and was informed that I needed to make a payment for XXXX XXXX XXXX XXXX. I have never lived there in my life and was confused with what was happening. I then decided to pull my credit and saw many fraudulent accounts under my name. These accounts do not belong to me. Please remove them from my credit report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX, XXXX. 
XXXX {$120.00} XXXX XXXX  XXXX  XXXX {$740.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX  XXXX  XXXX  XXXX {$300.00}