davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed the XXXX student loans that XXXX XXXX XXXX claims that they own but it shows multiple owners on the paperwork I received and XXXX just sent the account over to collections law firm before giving me the validation of debt that I asked for back on XXXX/XXXX/16 and XXXX/XXXX/16 and I was told that I would have to settle the debt for XXXX %. I only received the validation of debt when it was sent to a collections law firm. XXXX XXXX has gotten into trouble just sending the loans over to a collection law form without doing a validation of debt per request. The loans need to be removed from my credit report, I have asked all XXXX credit reporting agencies to remove it but they never do. Per the FDPCA if a company fails to send me the validation of debt per request within 30 days, then the items must be removed from my credit report. XXXX never gave me those but sent the accounts to the collections law firm, this is ruining my credit. XXXX states they are the recordkeeper for XXXX XXXX XXXX but no way to talk to anyone at XXXX XXXX XXXX or for them to explain why XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are all on the paperwork. No clear owner of the loans, at first they had XXXX XXXX XXXX doing their dirty work. The credit bureaus must tell me how they could this loans still belong to me. The credit bureaus only seem to parrot what the companies tell them which is unfair and illegal. I have disputed the delinquent being on my credit report for several years now, I never signed any agreements with XXXX XXXX XXXX and they do not won my debt either, they are committing fraud against me.
Consumer complaint received 2023-03-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (FL)

Over 2 months ago Google Pay suspended my account for no reason under the email XXXX. I have contacted support dozens of times since then and provided them everything they asked for. I submitted my ID, I submitted my bank statements, and a physical picture of both of the debit cards on my account. Every time they reject the information and keep my account suspended. 

To top it off they are now trying to steal over {$700.00} from me. I am unable to withdraw my balance and when I contacted them about this they claim my money is being sent to " authorized state agencies ''. I have had my Google Pay account for over 2 years and never had a single issue but they are treating me like a terroist. This is very upsetting that they would suspend me for no reason then go on to steal my hard earned money.
Consumer complaint received 2019-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Good Evening or Good Morning! Listen, Im not sure who I need to talk to in regards to this issue. I spoke with Portfolio Recovery Reps more than 30-45 days ago, and agreed to pay the account in full and I was instructed that they would ask the credit reporting agencies to remove the entire tradeline from my credit report within 30 days of account being paid. Listen, time has passed and it still hasnt be removed and I been instructed to check the policy on online that stated that they would remove it. When should I expect this to be removed? When do you report to the credit bureau? Please kindly escalate this issue immediately up to the chain to ensure this is remove within the next 24-48hrs as its hindered my chance to buy or rent a house for my family. Again, please send me an update that this is in the process of being removed as promised. Thanks! GS
Consumer complaint received 2023-03-18
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$3100.00}
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-07-27
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)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CT)

I have below the invoice that will be sent off to XXXX XXXX XXXX I want the account updated and removed, as well as all personal history, details, all addresses on file, basically I want my private information out of this and other companies hands immediately!
Consumer complaint received 2023-03-18
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. (IL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy 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
Consumer complaint received 2023-04-09
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. (SC)

XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2023-03-18
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. (MO)

This is my 2nd 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. 
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 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 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 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 XXXXXXXX
Consumer complaint received 2023-03-18
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 Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (DE)

Debit account at Discover bank promises 1 % " back money payment '' for purchases made with debit card attached to that account. In XXXX I made purchases for a total of more than {$240.00} as follows : XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$9.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$46.00} XX/XX/XXXX - {$15.00} XX/XX/XXXX - {$18.00} XX/XX/XXXX - {$18.00} XX/XX/XXXX - {$44.00} XX/XX/XXXX - {$42.00} XXXX Total {$240.00} I was supposed to receive back {$2.00} but received only XXXX cents ( i.e. {$2.00} ( new balance ) - {$2.00} ( old balance )
Consumer complaint received 2019-05-10
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: CITIZENS FINANCIAL GROUP, INC. (CA)

On XX/XX/2019, 2 young men came to my door. They asked me several questions about my XXXX XXXX XXXX bill. They said they could lower my bills for Internet and TV and give me a free cover for my doorbell and it was included. They led me to believe that they were from XXXX XXXX XXXX. No other companys were mentioned. I allowed them to come in. They took several minutes, inputting my info into their ipad. During the process I specifically told them that I didnt want my credit pulled. After they was finished getting all my bank info, I specifically told them that I didnt want automatic payments for my TV & Internet. The last stage of this meeting was to speak to someone on the phone. Thank God for that step or I would have been duped into this loan that i did not need or want. I specifically have a No Soliciting sign on my door. Those guys approached me like they wasnt selling anything that they was there to lower my bills! I know those calls are recorded so someone should listen to it!! I was in complete shock. The man on the phone told me that i was applying for a {$1300.00} loan for a doorbell camera!, they were going to take out {$70.00} a month automatic payments!! I ended the call. Told those 2 men that I wasnt interested in anything like that! I just wanted my bills lowered. You can hear me say that in the call! Then i asked them to leave. The next day I contacted XXXX to dispute the credit pull. Their response was to contact Citizens Bank to resolve the issue and gave me a phone number. I called the number and their response was email client support. A couple days go by and i get a reply to my email. Their response was that i had signed up for a XXXX XXXX Loan Payment type of loan and they are not removing it from my credit report!! By the misrepresentation by those 2 men will cause that hard inquiry on my credit report for 2 years. This complaint is about Citizens Bank and XXXX
Consumer complaint received 2018-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (PA)

This company sent me a debt collection notice about 4-5 years ago. I responded back in 30 days and told them I did nt owe the debt, as I have no knowledge of a account with the company in question. After that, I didn't hear from them for about a year, until they sent another debt collection notice. I again sent them a letter of dispute, from which I heard no reply. Last year, I received yet another debt collection notice. I once again responded with a letter claiming I dispute this debt, as I have no knowledge of this account. This time they sent a verification letter of the debt, but also stated they can not legally sue me or put the debt on my credit report. I took that into consideration along with the fact that the debt is not mine, and responded with a letter asking them to not contact me any more. Now, today I received yet another debt collection letter. At what point does this become harassment?
Consumer complaint received 2017-05-25
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: ZWICKER & ASSOCIATES (NC)

Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX set aside the Judgment. XXXX XXXX also stated that the statute of limitation 's was up and the debt from XXXX could not be collected by any other means. On XXXX XXXX I received a call from Zwicker & Assoc 80 Minute XXXX XXXX, XXXX MA XXXX trying to collect the XXXX debt. I told them about the ruling of XXXX XXXX and faxed a copy of Certificate of Service they said they would review the document. The firm North Carolina phone is XXXX XXXX. They have no legal right to try to collect the debt. I faxed the documents to XXXX XXXX at XXXX XXXX XXXX.
Consumer complaint received 2023-03-18
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. (CA)

This is my 8th 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 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
Consumer complaint received 2023-04-09
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. (TN)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I, unfortunately, had to file bankruptcy in 2015. One of the accounts included was a XXXX XXXX XXXX. I have disputed the way they are reporting on numerous occasions ( at least 6 ). They report to Experian monthly that the account is charged off with a balance and payment is late. They report to XXXX the account is charged off no further action, no monthly updates because it was included in a bankruptcy. I understand the item will remain on my credit for two additional years, however, it is my understanding they are not allowed to continuously show a balance and late payment I am working extremely hard to repair my credit, it is very discouraging to have my score drop every month when they report me as late. over the last five years, I have not missed one payment for any company and paid off some that were in the 2015 bankruptcy.
Consumer complaint received 2023-04-09
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. (TX)

I'm writing to request that the XXXX XXXXXXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. 

I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation
Consumer complaint received 2019-05-10
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. (CT)

On XX/XX/XXXX I called XXXX XXXX to ask them if they had their own visa personal or business credit card. The bank representative said they offer credit cards through XXXX XXXX XXXX. The web site appeared to be an older application website, I thought it was a pre-approval application. Instead XXXX XXXX XXXX pulled a hard inquiry and I was informed that they pulled my Trans Union credit report. I did not receive confirmation of the denial. I contacted XXXX XXXX XXXX about the reasons of their decision, based on the information supplied by Trans Union, including reasons of the basis of their decisions included balances reported on my deferred federal student loans that generated a debt to income ratio above the payment plan I am under. Even after review/consideration XXXX XXXX XXXX refused to grant or extend credit. Even after I expressed that the information supplied by Trans Union was inaccurate, incomplete and or misleading. I asked them to exclude the student loans into their decision and they refused. The application procedure did not inform me of my rights under the equal credit opportunity law, nor did XXXX XXXX XXXX informed me of my rights to dispute their credit decision under the Fair Credit Reporting Act. The inquiry conducted by XXXX XXXX XXXX was my mistake, because I was not properly informed of the application process by XXXX XXXX. I was unsure who I was applying to at that point I have never heard of XXXX XXXX. The inquiry was a mistake and I am requesting Trans Union to delete the inquiry on XX/XX/2019.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify) (NY)

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.