davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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)

This was a cellphone account that was canceled but XXXX delayed closing. Couldn't transport my number never activated. Reported to FCC, received XXXX bal letter XX/XX/2021 and return of charges fraudulently taken from my account. Collection Company recently reported on credit has dramatically changed my scores. Recorded conversations with XXXX last year and this year concerning this issue admitting their mistake. I've never received any bill for this and consider it to be FRAUD. I'm on SSI and my internet is covered by government program but billing is suspect. Please review! Previous billing is unavailable. I've disputed trade line with each bureau however after paying off most of my accounts and working to increase my score its ridiculous that an erroneous fraudulent company can be so nefarious and malicious. XXXX XXXX and this has caused undue harm. Please assist with XXXX and the bureaus! Thanks so much!
Consumer complaint received 2020-02-07
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. (NY)

A Loan for a vehicle was opened in my name with XXXX XXXX in XXXX Tx. I reached out to the company multiple times in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXinforming them that this was not my account. I told them that I have never been to Texas and did not sign any documents. I had forms notarized by my bank during my fraud claim with the company to prove my signature and they said that I am still responsible for the loan. I tried filing a police report, but was told to get a copy of the records. I was told by XXXX XXXX that I can not have records that is in my name. This is complete fraud because I did not sign for anything. 

I also told them that I do not have a driver 's license and at the and at the time of the loan I only had a non-drivers license in NYS.
Consumer complaint received 2022-09-05
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2020-12-23
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)

Hello, I am would like to inform you that I do not recognize these accounts. Suddenly they appeared in one Bureau while other bureaus do not report these unknown accounts. I believe I became a victim of identity theft, otherwise I can not explain their existence in my report. I have never signed any agreements or contracts with these companies. 
Please remove these accounts from my credit report.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

I recently in the past 6 months has disputed negative/unverfied items reporting on my Equifax, I spoke with a representative at Equifax and was told clearly that they would not submit my dispute letter that i mailed out to them on XX/XX/2020. Equifax clearly has not and will not respond to my 4th dispute letter that I mailed on XX/XX/2020. Attached is proof of my 3rd and 4th dispute letters that I mailed out to Equifax, with them not processing the 4th dispute letter.
Consumer complaint received 2023-06-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Those collection accounts where not mine this is unauthorised transactions i keep asking from them this information. why they haven't sent it to me yet? i've search the name of this collection agency and there not even registered to XXXX. and just incase as well you will be looking for a copy of my SS card i lost it so i attached my passport for additional proof
Consumer complaint received 2020-02-07
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. (CA)

It has been appearing on my credit report a change of address when in fact I've never changed my address. Ive spoken to the Postal Federal Police concerning these false changes and they seem to think someone is doing such on line. None the less its being reported as if i have a new address in a different state when in fact my drivers license and id currently says my location is in XXXX California. The postoffice states that someone has reversed engineered the mailbox keys from the back of the mailbox and such these entities and or enemies are hacking systems and making an attempt to steal property by changing addresses and taking property such homes cars tags registrations and credit cards. Recently someone was caught on camera using the stolen property on camera twice once at a bank and the second time at a XXXX  XXXX. Please contact officer or agent XXXX XXXX XXXX internal mail theft, or USPS postal police inspection services XXXX XXXX mail theft ask to speak to postal inspector for these individuals enemies and or entities have created counterfeit keys which is floating in our area.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

It has been appearing on my credit report a change of address when in fact I've never changed my address. Ive spoken to the Postal Federal Police concerning these false changes and they seem to think someone is doing such on line. None the less its being reported as if i have a new address in a different state when in fact my drivers license and id currently says my location is in XXXX California. The postoffice states that someone has reversed engineered the mailbox keys from the back of the mailbox and such these entities and or enemies are hacking systems and making an attempt to steal property by changing addresses and taking property such homes cars tags registrations and credit cards. Recently someone was caught on camera using the stolen property on camera twice once at a bank and the second time at a XXXX  XXXX. Please contact officer or agent XXXX XXXX XXXX internal mail theft, or USPS postal police inspection services XXXX XXXX mail theft ask to speak to postal inspector for these individuals enemies and or entities have created counterfeit keys which is floating in our area.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I am not sure if my credit freeze has been removed. I have spent hours online trying to get the info. There is no phone number that works for getting to a live person. They claim to have three numbers but they all lead in circles with no resolution. No getting to a rep.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (PA)

XXXX ACCOUNT CHARGE CARD WAS PAID IN FULL AND THE ACCOUNT IS CLOSED THEY ARE SHOWING A 250.00 BALANCE WHICH IS NOT CORRECT THIS ACCOUNT WAS PAID IN FULL
Consumer complaint received 2021-11-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BC SERVICES, INC. (CO)

I sent 4 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile prior and noticed a collections accounts ( BC SERVICES AND XXXX. XXXX XXXX XXXX ) show up on my report. I've called them several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been about 3 1/2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on these accounts I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 4 months now. These letters feel useless at this point and I've been spending extra money to have my letters overnight to each credit bureau and the collections agencies themselves. I understand that bureaus and collections agencies can make mistakes but it is very frustrating. I went as far as taking pictures of receipts and letters because they keep saying they haven't received anything. Please help me
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may assume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PENTAGON FEDERAL CREDIT UNION (MI)

I applied for a loan on XX/XX/2020 and was denied from PENFED credit union.On XX/XX/2020, I received a denial letter from PENFED credit union with explaination.One key factors that adversely affected my credit score that's on the Denial letter is '' Derogatory Public Record '' which generally means Bankruptcy.I did have Bankruptcy and it was removed in early XX/XX/2020 from XXXX.Also in the denial letter it states '' our decision was based in whole or in part on the information obtained in a report from the consumer reporting agency listed below ( XXXX  ) '' .I have disputed a few times to have bankruptcy removed because the 10 years is up.XXXX said it is not on my credit report and not reporting on my credit report.Because of this denial letter, its clearly on my credit report and was never removed.This is a violation of the fair credit act.Also, XXXX  is not reporting my credit score correctly.My current report says XXXX and on this denial letter it states XXXX.On a current CFPB complaint ( s ) No. XXXX and XXXX, Im having the same problem with bankruptcy not removed from credit report and a difference in credit scores.
Consumer complaint received 2024-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ernst, Ernst & Artmann, Inc. (GA)

On XX/XX/XXXX I was referred for XXXX XXXX. I was told by my XXXX XXXX that the test was not covered by health insurance but I would qualify for low cost testing by completing a form. After completing the form my maximum out of pocket cost for the test would be {$45.00}. I received a bill from XXXX approximately 30 days later with the cost of the bill being {$200.00}. I paid the bill using my credit card. A few months later I received another bill for the same amount. I called the company to express that I had paid and they admitted over the phone that they saw the payment in full and since I paid out of pocket versus through insurance it would take time for their system to connect. The representative said I could ignore future notices. In XXXX of XXXX I was notified that the debt was sent to collections to the E & A Group. The amount the E & A Group said I owed was {$1800.00} but I could pay {$780.00} to settle the debt. I provided all the documentation of payment of the original bill to the E & A Group and I heard nothing back but they did place the debt as a collection on my credit report in XX/XX/XXXX for owing the amount of {$770.00}.
Consumer complaint received 2022-08-18
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: Resurgent Capital Services L.P. (MS)

In According to the fair credit reporting act XXXX  account XXXX XXXX XXXX has violated my rights. 
15 U S C 1681 section 601 A section 1 states I have the right to privacy.

15 U S C 1682 section 602 section 2 also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2019-09-17
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. (FL)

Greetings, CFPB, and all military families and civilians, this is numerous complaints that I have sent to the CFPB, FTC, OFFICE OF THE COMPTROLLER and as well to the credit bureaus. 
This is my situation everyone, since no one is willing to help me with my serious complaints against this company XXXX  for their malpractices, abused, selling of my informations, reporting inaccurate informations on my credit report and having all of my personal information in the XXXX by their call center that is located in that country. I called in regards to that issue as well because I received a scam phone call from someone in the XXXX stating that they are calling me from the VA REGIONAL office in XXXX XXXX Florida to go over my XXXX claims, so I called the VA office to verify if they have offices in the XXXX helping veterans and they responded to me NO. So, the next day I went ahead and file a police report to safeguard myself. I also reported the incident to XXXX   and the rest of the bureaus. 
Now, today XX/XX/2019 at XXXX XXXX  I called XXXX again the seventh time within a month time frame to find out what is going on with all 51 fraudulent inquiries showing on my report and as well for the legal letter I sent them on XX/XX/2019, they transfer me 6 times and every time I got an individual they took my information and says that I have to transfer you to another department, to a supervisor, to a supervisor in the fraud specialized team. Now, mind you I have been on the phone for 30 minutes waiting and being transfer to talk with someone that can really help me resolve my problems with this company. I finally got someone by the name of XXXX XXXX a supervisor on the specialized fraud team that was so rude, unprofessional, and just outright argumentative to my report, he kept saying that I have to wait for 30 days, my legal letter doesnt mean anything because by law the bureaus have 30 days to respond, so I told him sir I have been waiting for 120 days and all that XXXX keep on responding to the CFPB is that I am a victim of fraud. 
Now, the CFPB says, that it will help consumer, however I need to know how I am being helped? Are they tired of receiving my complaints, do I need to contact my state representative, Congress to help me with this matter because it is completely unfair and unjust people. Anyone, that is reading my complaint please help or any suggestions that you may have in order to get my complaints for 120 plus days resolved. I had supposed to close on a home XX/XX/XXXX, however due to the inaccurate informations that XXXX is reporting, my family will loose out on a roof over their head. I need help and that is why at times people take drastic measures because no one is willing
Consumer complaint received 2020-08-03
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. (CA)

Hello, I have recently attempted to contact XXXX, Experian, and XXXX. I have not received any responses from these companies and I am under the impression that they have at least 30 days to respond to my complaints. I have accounts reporting incorrectly and unverified and I am not sure why no one has ever reached out to me in regards to my investigation requests. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response. 

Experian : On XX/XX/XXXX I sent a letter to Experian asking for them to look into the incorrect accounts. I never received a response back so on XX/XX/XXXX, I sent another letter stating that they never responded to my request. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX. Again on XX/XX/XXXX, I sent another letter via certified mail, receipt number : XXXX XXXX XXXX XXXX XXXX. This was received on XX/XX/XXXX. Out of all the letters I sent to Experian, I never received any responses back from them. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response.
Consumer complaint received 2019-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

On XX/XX/2019 I received a call from XXXX XXXX XXXX XXXX on my personal cell phone from a person claiming to be with XXXX XXXX XXXX about a " personal business matter. '' This person would not inform me of what this was about until I provided personal information, which I did not provide. 

Later that morning I received a call on my work phone. I did not record the number, but it was the same organization on the line. Again, I could not verify that they have any legal claim to be reaching out to me, so I declined to answer any questions. 

About an hour later, my grandmother called to tell me that somebody had reached out to her about me. I suspect it was the same organization. 

Today, XX/XX/2019 I was informed that XXXX from the XXXX XXXX XXXX called someone at the firm I work for on this matter. The number they called from was XXXX XXXX XXXX. 

I have never received any mailed communication from this organization or any proof that they have any legal claim to be reaching out to me. I suspect this is in regards to student loan debt, however I already know who I pay student loan debt to. Further, if they are a legitimate debt service organization I would imagine they should be able to get up to date information from my school - my school knows where I live. 

The combination of their aggressive tactics and their inability to locate where I live to send me mail on the subject suggests to me that this is not a legitimate organization and I will not give any personal information to them until I am able to. I suspect I am being targeted as part of a scam.
Consumer complaint received 2022-08-18
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. (GA)

This is my several 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 Balance Owed : {$360.00} XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2022-08-18
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. (GA)

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2020-02-07
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. (CA)

It has been appearing on my credit report a change of address when in fact I've never changed my address. Ive spoken to the Postal Federal Police concerning these false changes and they seem to think someone is doing such on line. None the less its being reported as if i have a new address in a different state when in fact my drivers license and id currently says my location is in XXXX California. The postoffice states that someone has reversed engineered the mailbox keys from the back of the mailbox and such these entities and or enemies are hacking systems and making an attempt to steal property by changing addresses and taking property such homes cars tags registrations and credit cards. Recently someone was caught on camera using the stolen property on camera twice once at a bank and the second time at a XXXX  XXXX. Please contact officer or agent XXXX XXXX XXXX internal mail theft, or USPS postal police inspection services XXXX XXXX mail theft ask to speak to postal inspector for these individuals enemies and or entities have created counterfeit keys which is floating in our area.