davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (IL)

This is regarding a debt collection attempt from National Credit Adjusters located at XXXX XXXX XXXX XXXX, XXXX, KS XXXX for the amount of {$1300.00}. 

I do not know this company. I have never done business with this company. This company does not have any documentation with my signature on it. I have been trying to dispute the debt with the credit bureaus for 2 years and below are the most recent times. 

On XX/XX/2021, I sent XXXX, XXXX and XXXX a dispute for a collection company XXXX National Credit Adjusters XXXX reporting on my credit reports. I received nothing back. 

On XX/XX/2021, I sent XXXX, XXXX and XXXX a dispute for a collection company XXXX National Credit Adjusters XXXX reporting on my credit reports. I received nothing back. 

On XX/XX/2021, I sent XXXX, XXXX and XXXX a dispute for a collection company XXXX National Credit Adjusters XXXX reporting on my credit reports. I received nothing back. 

On XX/XX/2021 I sent National Credit Adjusters a letter requesting information on the debt, they responded with a vague settlement letter on XX/XX/2021. 

I mailed a certified letter to the company requesting validation of the debt on XX/XX/2021, they signed for and received my letter on XX/XX/2021. 

National Credit Adjusters is reporting a collection account to my credit reports. They did not send a notice or provide an opportunity for the debt to be validated or disputed. They did not respond and continue to report the debt. 

This is extremely frustrating and stressful. I've been disputing with the credit bureaus for 2 years and the ONLY responses I've ever received from them was a letter telling me that the debt was verified but when I ask for a copy of that verification or how they verified this debt or ask for information on who verified it, I get nothing back and have stopped hearing from all three credit bureaus. I finally reached out to National credit adjusters since I have NEVER received ANY letter from them since its been reporting on my credit report. I reached out by mail in XXXX and their ONLY response to me was that I can settle the debt at 50 % off. I then sent them another letter asking them to validate the debt with proof and was ignored. No company should have this much power over an individual and be allowed to ruin their lives.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-12-21
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: SLM CORPORATION (GA)

To whom this may concern, I have sent multiple certified letters to XXXX concerning a student loan ( Sallie Mae ) on my credit report. I did not attend school I joined the military. Therefore having a student loan in my name is impossible. I have sent the other two major credit bureaus XXXX XXXX XXXX XXXX ) the same certified letters, starting on XX/XX/2021. They have removed the inaccurate, obsolete, unauthorized account from my credit report due to account not being verified. With that being said, if those two major bureaus have removed the accounts, XXXX company should also giving they should get verification from the same company. According to US LAW, any inaccurate, obsolete, or unfair has to be removed for consumers credit report! I have sent more certified letters explaining this to XXXX and have NOT received a response.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica ()

This is an emergency, because for this is my only income ( Social Security Retirement ) and I depend on to pay my bills at the end of this month. 

No one else had access to the card. 

Debit Card stopped working on XX/XX/XXXX. 
I attempted to reach out to the company ( Direct Express ) on XX/XX/XXXX and was initially unable to connect with the customer service. Numbers provided to not accept calls from abroad ( including international line ). 
With the help of my nephew, I connected with customer service through VoIP ( local number ) and was able to contact a representative on XX/XX/XXXX. They informed that the card was suspended for fraud suspicion, and that the issue would need to be resolved by a level 2 technician. They transferred the call and no level-2 technician ever responded. 
I attempted to contact service representative again, and 3 times over, no one from level 2 picked up. 
Upon further attempts, the line would disconnect automatically upon entering my Social Security Number and was unable to contact a service representative. 
I There are no further options to contact the company.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EGL US, LLC (DE)

XX/XX/2021 I was told that I would receive a paid in full letter and that debt would be settled. 

The full amount is still displayed on my credit. 

And XXXX denied dispute stating creditor claims debt as current and accurate.
Consumer complaint received 2022-02-22
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. (FL)

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00}
Consumer complaint received 2019-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-02-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian is violating my rights under the Fair Credit Report Act. Experian has XXXX XXXX XXXX XXXX XXXX three accounts XXXX XXXX XXXX reporting a past due balance and late payments. This is violating against my rights under the FCRA. I have disputed this account multiple times. They are still not fixing the inaccurate information.
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-12
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. (FL)

After a comprehensive analysis of my credit report. There are FCRA VIOLATIONS from creditors XXXX XXXX on my consumer 's report. Although, Transunion has deleted the erroneous items and, Equifax has reported positive payment history. Experian continues to report these errors. XXXX XXXX is in clear violation of the following : FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Negative Information from Financial Institutions If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports negative information about your customers to a nationwide CRA ( for example, XXXX, Experian, or XXXX ), you must notify your customers that you report such negative information. 
Examples of negative information include a customers delinquencies, late payments, insolvency, or any form of default. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1681n - Civil Liability for Willful Non-Compliance FRCA 15 U.S. Code 1681b - Failure to Validation of Debt After I sent that complaint letter for Equifax on XX/XX/2021 to adjust the credit reporting XXXX XXXX then falsify more information by adding and removing positive payment history in addition to the negative furnishings Thus breaking more FCRA violations against me. Not only did they update my payment history incorrectly, they furnished new negative information on my account without informing me. Thus defaming my reputation and harassing me from my true creditworthiness. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1692d Harassment or abuse FCRA 15 U.S. Code 1666b ( a ) Timing of Payments ; Informing consumer with statement mailed of coming payment
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

After a comprehensive analysis of my credit report. There are FCRA VIOLATIONS from creditors XXXX XXXX on my consumer 's report. Although, Transunion has deleted the erroneous items and, Equifax has reported positive payment history. Experian continues to report these errors. XXXX XXXX is in clear violation of the following : FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Negative Information from Financial Institutions If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports negative information about your customers to a nationwide CRA ( for example, Equifax, XXXX, or XXXX ), you must notify your customers that you report such negative information. 
Examples of negative information include a customers delinquencies, late payments, insolvency, or any form of default. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1681n - Civil Liability for Willful Non-Compliance FRCA 15 U.S. Code 1681b - Failure to Validation of Debt After I sent that complaint letter for Equifax on XX/XX/2021 to adjust the credit reporting XXXX XXXX then falsify more information by adding and removing positive payment history in addition to the negative furnishings Thus breaking more FCRA violations against me. Not only did they update my payment history incorrectly, they furnished new negative information on my account without informing me. Thus defaming my reputation and harassing me from my true creditworthiness.

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1692d Harassment or abuse FCRA 15 U.S. Code 1666b ( a ) Timing of Payments ; Informing consumer with statement mailed of coming payment
Consumer complaint received 2019-10-05
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. (DE)

XXXX XXXX XX/XX/19, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/19, XXXX XXXX XXXX, XXXX- XXXX XX/XX/19, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I just want it noted that their Customer service Representative would not help take care of the negative inquiries on my credit report.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After a comprehensive analysis of my credit report. There are FCRA VIOLATIONS from creditors XXXX XXXX on my consumer 's report. Although, Transunion has deleted the erroneous items and, Equifax has reported positive payment history. Experian continues to report these errors. XXXX XXXX is in clear violation of the following : FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Negative Information from Financial Institutions If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports negative information about your customers to a nationwide CRA XXXX for example, Equifax, Experian, or TransUnion XXXX, you must notify your customers that you report such negative information. 
Examples of negative information include a customers delinquencies, late payments, insolvency, or any form of default. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1681n - Civil Liability for Willful Non-Compliance FRCA 15 U.S. Code 1681b - Failure to Validation of Debt After I sent that complaint letter for XXXX on XX/XX/2021 to adjust the credit reporting XXXX XXXX then falsify more information by adding and removing positive payment history in addition to the negative furnishings Thus breaking more FCRA violations against me. Not only did they update my payment history incorrectly, they furnished new negative information on my account without informing me. Thus defaming my reputation and harassing me from my true creditworthiness. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1692d Harassment or abuse FCRA 15 U.S. Code 1666b ( a ) Timing of Payments ; Informing consumer with statement mailed of coming payment
Consumer complaint received 2021-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (UT)

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Educational Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Educational Account Name : UTAH XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}
Consumer complaint received 2022-02-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-12
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. (FL)

The company that I'm filing a complaint against Equifax. I filed a complaint well over 30 days ago requesting an investigation for several accounts listed on my credit report. I have yet to receive a response. This company has not answered after several attempts of me requesting a method of validation for the following accounts. 

XXXX XXXX I was never late on XX/XX/XXXX XXXX XXXX I was never late on XX/XX/XXXX XXXX XXXX I was never late on XX/XX/XXXXXXXX XXXX - I was never late XX/XX/XXXX this is a closed account and was a bank error! 
XXXX XXXX - This account has been up to date for over 9 years and they won't respond to my request to update it.
Consumer complaint received 2022-02-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax is violating my rights under the Fair Credit Report Act. Equifax has XXXX XXXX XXXX XXXX XXXX three accounts XXXX XXXX XXXX reporting a past due balance and late payments. This is violating against my rights under the FCRA. I have disputed this account multiple times. They are still not fixing the inaccurate information.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (AZ)

They said they were closing the account due to suspected fraud which is weird because there were only transactions from my stepdad ( maybe 12 total as donations ) and one from me. This is on the heels of the XXXX issue I had and I think XXXX caused this, but either way, they closed my account and havent given me the funds I think from XXXX XXXX 

They had no complaints on my file and no reason to officially do this, same as XXXX. I was a victim of fraud after XXXX several times and this has happened with 3 banks now.
Consumer complaint received 2021-06-12
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. (IL)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2019-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX XX/XX/19, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/19, XXXX XXXX XXXX, XXXX- XXXX XX/XX/19, XXXX Reports XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. I just want it noted that their Customer service Representative would not help take care of the negative inquiries on my credit report.
Consumer complaint received 2021-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio is fraudulently attempting the debt I do not owe to them .So many times requested a validation of debt never happened .And so is requested proof of ownership of this debt .Silence. I contacted FDCPA violations : 1692 e Any other false, deceptive, or misleading representation or means in connection with the debt collection 1692 e ( 2 ) Character, amount, or legal status of the alleged debt 1692 e ( 10 ) Any false representation or deceptive means to collect a debt or obtain information about a consumer 1692 f Any unfair or unconscionable means to collect or attempt to collect the alleged debt 1692 g Failure to send the consumer a 30-day validation notice within five days of the initial communication 1692 g ( a ) ( 5 ) Must state Will Provide Name and Address of original Creditor if Different from Current Creditor 1692 j Forms been designed, compiled and/or furnished to create the false belief that