davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NC)

Was contacted by Ability Recovery services in regards to a debt that is said to be owed by me From XXXX XXXX the original company who filed the claim. I have never received any services from XXXX XXXX and furthermore I have no business with Ability Recovery Services. I contacted Ability Recovery Services on XX/XX/XXXX in regards to a collection letter disputing the matter. Until date I have not received any correspondence back. On XX/XX/XXXX I sent a follow up letter to the disputes department informing them that I have not received any response and per the Fair credit act they were now out of compliance.
Consumer complaint received 2018-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a current capital one card which I use monthly, through that card they offered me another card. I applied for the card, was approved and sent the card. When I got the card it had a restriction. When I called they told me that to life the restriction they needed a hard copy of my drivers license, my social security card, and proof of residency which I could either email, fax, or USPS mail. This is unacceptable, and I will NOT provide that information to anyone and I have never had to provide that before. 
The contact information for XXXX XXXX goes to their call center in what I assume to be off shore, I was transferred a few times but no one took my complaint. 

If I were to provide that it opens me to more risk. In addition why would they not ask for that information up front. I have never had to provide this information in paper form.
Consumer complaint received 2018-05-16
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. (PA)

The loan was opened XX/XX/XXXX, I have NEVER made a payment on the loan. They falsified payments, stating that I had made a payments in XX/XX/XXXX, I am assuming the reasoning was to keep the account open longer therefore it is still listed on my credit report. The account should have went into collections in early XX/XX/XXXXand should be removed from my credit report within 7 years, however, because they falsified the payment history the account remains long past it's time. I have disputed this information with all three credit bureaus numerous times and XXXX keeps stating " dispute resolved, customer disagrees '' but they have not changed any status on payments or provided proof of payments.I have been fighting this false information for years and I am unsure what to do in order to get results and have the correct information reported. Also, the loans ( 3 ) were sold to another company and I have agreements with that company. I am not trying to escape paying my debt I just don't understand how they can report incorrect information and refuse to fix it, and after selling the loan ( that account is also on my credit report currently in good standing ) I would just like this issue removed if possible, or corrected so that it will expire within the year.
Consumer complaint received 2018-05-16
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. (PA)

The loan was opened XX/XX/XXXX, I have NEVER made a payment on the loan. They falsified payments, stating that I had made a payments in XX/XX/XXXX, I am assuming the reasoning was to keep the account open longer therefore it is still listed on my credit report. The account should have went into collections in early XX/XX/XXXX and should be removed from my credit report within 7 years, however, because they falsified the payment history the account remains long past it's time. I have disputed this information with all three credit bureaus numerous times and XXXX keeps stating " dispute resolved, customer disagrees '' but they have not changed any status on payments or provided proof of payments.I have been fighting this false information for years and I am unsure what to do in order to get results and have the correct information reported. Also, the loans ( 3 ) were sold to another company and I have agreements with that company. I am not trying to escape paying my debt I just don't understand how they can report incorrect information and refuse to fix it, and after selling the loan ( that account is also on my credit report currently in good standing ) I would just like this issue removed if possible, or corrected so that it will expire within the year.
Consumer complaint received 2022-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (MO)

On XX/XX/22 I received a request for payment from TRS Recovery Services XXXX Inc for {$120.00} for a purchase made at XXXX XXXX XXXX XXXX paid for by check # XXXX ( Dummy check # ) Drawn from an account at XXXX XXXX XXXX XXXX XXXX XXXX, MO contacted XXXX XXXX XXXX XXXX XXXX no account found with my name. TeleCheck Services verified the check at point of purchase ( unbelievable ). I contacted XXXX XXXX XXXX XXXX XXXX , to investigate the matter at, XXXX ( XXXX ) XXXX, never heard back from them. I contacted TRS Recovery Services XXXX Inc. and received a dispute form which I completed and mailed it back to them. On XX/XX/22 I received a TRS Forgery/Identity Theft Declaration, completed it and mailed it back to them along with all the information I had found to substantiate my claim of fraud/identity theft. The information regarding this matter was given to me by TeleCheck Services, XXXX ( XXXX ) XXXX and XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX and through my own investigation.
Consumer complaint received 2022-03-03
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. (NC)

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 2020-02-04
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. (MS)

I have disputed MULTIPLE accounts with this company and they have continued to send me letters back saying my information is " accurate ''. This is untrue because i have compared all of my credit reports and the inforamtion is simply misleading ALL accross the board. Can you help me? Below are the accounts in error : XXXX XXXX : they are reporting an incorrect/misleading high credit amount of {$16000.00} & {$11000.00}. The date of last activity is misleading as well. 

XXXX  : was placed on my credit report without any knowledge. From my understanding i am supposed to be informed or notified when something is Inserted or Reinserted on my credit report. Neither action was taken on this company 's behalf. 

Please help me fix this. these accounts are reporting in error and causing me a great deal of pain. Its keeping me from homeownership. thank you.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF NEW YORK MELLON CORPORATION, THE (TX)

Last month I received a notice that I had a check returned from my XXXX account even though I should have had more than enough money to cover the check. 

I went through my transactions and saw several fraudulent charges starting around the end of 2019. 

These charges were done by several international money transfer firms ( see my other CFPB complaints ) as well as online retailers such as XXXX, XXXX, XXXX, XXXX, XXXX XXXX, etc ... 

I immediately contacted my card company, cancelled the card and imitated the fraud claims. 

I did contact several of the companies and was able to get a few to refund the money after I was able to prove I did not make the charges. 

Other companies advised me that they would not refund the money unless a chargeback was done by my card company. Again, see my CFPB complaint against XXXX. 

Yesterday I received a letter from my card company, BNY Mellon. stating that they conducted an " investigation '' and determined that I did make the charges and they were not valid fraud claims. 

There is no possible way any investigation was done since the companies that made the fraudulent charges agree it was fraud and said the best way to get the money back is through my card company. 

I have gone almost a month without access to the money that was stolen from me and my card company that is supposed to be protecting me is refusing to conduct an actual investigation.
Consumer complaint received 2020-02-04
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. (OH)

I filed a dispute for the account Ohio Department of Human Services with Equifax  and it is still showing on my credit file as under reinvestigation. I believe this dispute is older than 30 days and at this point I want to cancel this dispute and remove the dispute comments. This account is no longer in dispute.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I SENT THE ALLEGED CREDITOR A LETTER TO ALLOW ME TO VILODATE THE INFORMATION REPORTING ON MY CREDIT REPORT BOTH THE ORIGINAL CREDITOR XXXX XXXX XXXX AND THE COLLECTION COMPANY FAILED TO PROVIDE ME WITH SUFFICENT PROOF OF THE ALLEGED ALLIGATIONS. THE LETTER THAT WAS SENT IS NOT PROF OF THE ALLEGED REPORTING INFORMATION. I CONTACTED THE CREDIT REPORTING COMPSNIES AND ALSO PROVIDED THEM WITH THE INSUFFIENT INFORMATION THAT WAS SENT TO ME. BUT YET THE CREDIT REPORTING AGENCIES CONTINUE TO VIOLATE MY CREDIT RIGHTS SAYING THE INFORMATION WAS VERIFIED, BUT YET THE CREDITOR OR THE COLLECTION COMPANY COULD NOT SEND ME OR PROVIDED ME WITH WHAT WAS REQUESTED IN MY LETTER OF VALIDATION. THIS RESPONSE ID NOT ACCEPTABLE NOR IS IT PROPER VALIDATION
Consumer complaint received 2021-12-01
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. (KY)

Please help, I noticed I have some inaccurate " late payments '' on my credit file. I have disputed the accuracy of this account several times but I was never notified of the investigation results. Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX, an investigation must be complete in 30 days. Since the investigation was not complete it is a violation to my consumer rights and this account must be updated to " paid on time '' or deleted. It is also a violation of my right to privacy and it harm my general reputation for this inaccurate information.
Consumer complaint received 2018-05-16
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. (PA)

to whom it may concern while checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. this is a violation of the fair credit reporting act section 1681b ( c ) .this is a serious breach of my privacy rights you have been notified on many occasions and my report was on fraud alert and you continued to ignore
Consumer complaint received 2018-05-16
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dream Center Education Holdings (NY)

# XXXX The company is collecting on a dept that was I was manipulated into taking by XXXX XXXX XXXX XXXX XXXX XXXX. All of my federal loans has been placed on hold concluding this investigation. I have attached documentation that directly depict me as a victim. I can't afford to pay back the loan as I am a full-time student and work part-time. XXXX is supporting fraudulent activities by forcing me to pay back something my family and I were manipulated into taking. 

Password to access secured document below : XXXX!
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

My Property at XXXX XXXX XXXX in XXXX RI was foreclosed in XX/XX/XXXX. From XX/XX/XXXX through XXXX, XXXX XXXX XXXX has report to the credit bureaus that I am making late payments when I no longer have a loan with them. I have been trying since XXXX to get them to report correctly. I have called countless times and spoken to supervisors, who never call back. The loan number XXXX shown on credit report as XXXX does not come up in their system when I call them. my social security number does not come up in their system. I am on hold or speaking to them for hours at a time while they try to figure it out but cant seem to fix it. I am told by supervisors that they will research and call me back. Most recently XXXX and then XXXX and then on XX/XX/XXXX XXXX XXXX from the XXXX Texas XXXX. All were suppose to be supervisors. 
Each were suppose to call me back within 3 days. None did. I called back today XX/XX/XXXX and asked for XXXX XXXX at XXXX am. I was told she was not in yet and they would have her call me. At XXXX I called again and got someone who tried to get her or another manager on the phone. He said not one supervisor or manager was available and that I should submit a dispute with the credit agency 's. I have done that many times, with no resolution. 
I have a copy of the deed being released to new people in XXXX of XXXX. I have a copy of the 1099 issued where I paid taxes on the amount the bank did not make back on the sale of the property at auction. I understand that the foreclosure will remain on my reports however, they should not continue to report my payments as late after the sale of the property. I was never given any information stating I owed them payments of any kind and no one I have spoken with indicates that I do owe anything. They all say the balance is zero. Some are nice but many are rude as though my hard times and a foreclosure makes this my fault and resolves them from the responsibility to correct this. I have spoken to countless people, hired two credit repair companies and still nothing has been corrected. This has been four years. It is reported incorrectly on my ex husbands reports as well. 

My name : XXXX XXXX My Ex Husbands name : XXXX XXXX
Consumer complaint received 2019-03-27
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Asset Recovery Solutions, LLC (CO)

XXXX promised it would help obtain more desirable jobs and higher income to better their lives. 
XXXX targeted me, I couldn't afford to pay its high tuition out-of-pocket. Therefore they pressured and coerced me using aggressive tactics into several high fee, high interest private loans to cover the gap that I could never afford to repay.
Consumer complaint received 2018-05-16
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: JPMORGAN CHASE & CO. (MD)

Re : Dispute of Bank Transaction ( s ) Dear Sir or Madam : This letter confirms the conversation I had with XXXX XXXX on XX/XX/XXXX about my request below. 

I am the owner of account # XXXX. 

I am disputing the following transaction ( s ) that were charged fraudulently to my account without my authorization : Date Amount Merchant Name Bank Ref. # XX/XX/XXXX {$3900.00} XXXX XXXX _________________ I did not make or authorize these transaction ( s ) that appear on my account and I am the victim of identity theft. I have enclosed a copy of my monthly bank statement which lists the unauthorized transactions. Please adjust my account information to reflect that I have disputed this transaction ( s ), and remove this item ( s ) from my statement. 

Account Number : XXXX XXXX XXXX XXXX Transaction alert : XX/XX/XXXX Dear Sir or Madam : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}. I am a victim of identity theft, and I did not make this charge. Chase bank had been contact me and denied to help me with this fraudulent transaction. Chase Bank was giving me confusing statement and explanation. They said they won't help me and reverse back the temporary credit for this fraudulent transaction by a billing cycle. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. Please investigate this matter and correct the fraudulent charge as soon as possible. I would appreciate a response from you in writing. Thank you for your assistance. Sincerely, XXXX XXXX Enclosed are copies of the following documents, evidencing the fraudulent activity : POLICE REPORT # XXXX filed on XX/XX/XXXX Police got a foot tape video camera from XXXX XXXX and Approve that the card had been theft. 

This is a XXXX document. Page 1 of 2 Please adjust my account information to reflect that I have disputed these transaction ( s ), and to remove these items from my statement, and send written confirmation that you have done so. 

Please contact me at the above address if you have any questions or need additional information. I may be contacted by email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-16
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. (NC)

On XX/XX/XXXX I received an email alert to my credit file regarding XXXX XXXX that is on my credit file twice that I DID NOT authorize. I want to know how did this happen when I have the extended fraud alert on my account. I should have been notify properly and the police should have been called to the location that fraud was taken place. So I took the time to update my FTC fraud complaint and I have not notify the police but will do so come morning. I am asking that Experian remove these inquiries and address off my credit file PO Box XXXX XXXX NC. Thank you.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXXXXXX XXXX XXXX account, this is not my account. It is my XXXX XXXX XXXX  account and I do not have the equipment or whatever was purchased. I have no idea what this account is for and did not give anyone authorization to purchase something under my credit. This needs to come off my credit report, I do not owe this money. I am trying to purchase a home for myself and XXXX children. I need this off my credit reports. 

Thank you
Consumer complaint received 2022-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2020-07-29
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. (AR)

I have been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX  XXXX {$61.00}