davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
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)

All three credit bureaus were reporting three different bankruptcies, and the courts do not verify bankruptcies. Therefore, the credit reporting agencies pulled that information from a third party reporting agency. So that information must be deleted.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (PA)

In XXXX of XXXX, I opened up a personal loan from XXXX for {$5000.00}. I started making monthly payment arrangements toward the loan. after a year or so, the loan was sold to XXXX XXXX XXXX. I continued to make payments with this company. after receiving notification that the account was sold. I was skeptical and started rejecting the payments. I have been contacted from several different companies that has sold and owned the account. I went to the location XXXX XXXX were the loan was originated and they had no information in their system on my social security number or any of my loan information. they then gave me a number to their corporate office. I called them and had no success. I obtained a copy of my credit report and a company by the name of XXXX was listed for the loan. I contacted them to try to settle the debt and they emailed me a settlement offer. I researched the company with the Better Business Bureau and the company is no longer in business. I recently received a copy of my credit report and the loan was just sold again to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. I called the company to try to settle the debt and they denied me. all XXXX credit bureau is has stated to me that this debt should had been dropped from my credit report. each time that it is sold, the account is being re aged. any help or suggestions would be greatly appreciated.
Consumer complaint received 2022-05-12
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. (FL)

n 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 In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 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 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 In accordance with the Fair Credit Reporting act XXXX 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 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 In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 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 2022-05-12
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. (FL)

n 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 In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 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 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 In accordance with the Fair Credit Reporting act XXXX  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 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 In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 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 2022-03-22
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. (GA)

To Whomever This May Concern. The CBE Group , Inc sent a debt collection for a company that I have already disputed as fraud. It was with one company and then sold to another company. It keeps being sold when it has already been determined to be fraud. This account does not belong to me and I want this disputed and removed from under me.
Consumer complaint received 2022-05-12
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: SYNCHRONY FINANCIAL (NY)

On XX/XX/2020, a hard inquiry was made on my credit report by SYNCB/PAYPAL ( BANK ). I do not have any credit card or debi tcard with that company. I reached out to the company via telephone and the representive told me that there is no account associated to my name and social security number. This hard inquiry is reported on all 3 credit bureaus. I dont have a reference number or account number for this account and there is NONE with my name or social security number. I did not authorize anyone to open or use my information regarding this suspicious activity. i have no knowledge of this activity.
Consumer complaint received 2022-05-12
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: Resurgent Capital Services L.P. (TX)

I received a call on XX/XX/2021. I want to settle my account for XXXX with XXXX XXXX and XXXX XXXX XXXX  Yes, will you send me a letter? 
I never received the letter from XXXXXXXX XXXX on the settlement. I checked my credit report from XXXX it has the same information from XXXX XXXX and XXXXXXXX XXXX. I called XXXX and explained. I Asked an XXXX person to check the XXXX XXXX XXXX and see that I had paid a settlement for {$370.00} on XX/XX/2021. That LVNV was going against the fair credit and had in the collection. XXXX removed LVNV immediately. I tried to do the same with XXXX and XXXX. I and in the group for {$550.00} with LVNV. 
I have had three disputes, an extension, and hired an attorney with XXXX. You can see it on XXXX. Credit Report under XXXX. The settlement with XXXXXXXX XXXX  and XXXX XXXX. Not sure why no one has looked at this a little closer. 

Thank You
Consumer complaint received 2022-08-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Third parties are buying the debt from XXXX XXXX XXXX, several had threatened me to court now Portfolio another third party. Portfolio calls me consistently and send letters for payment. Please have them stop contacting me and also its on my credit report in the incorrect amount. This is an older debt but I see a incorrect date thats more current. Thanking you in advance
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

These accounts affect me and are reported incorrectly, delete 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
Consumer complaint received 2022-05-12
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. (VA)

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : 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 an account without my written instructions.
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NV)

I have contacted this company multiple times on multiple occasions this company never lets you speak to a representative all they do is continue to bounce me around from place to place to place, they keep you on hold for ages and transferring you from person to person they never let you work with someone, they hang up on you, and they never call you back. I have contacted this company multiple times trying to get on a repayment plan and nobody wants to work with you, their employees are extremely disrespectful and never are willing to work with you no matter how many times you try. Im not sure how a company expects you to work with them and pay off a debt when they refuse to work with you.
Consumer complaint received 2022-05-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC (PA)

I went to XXXXXXXX XXXX XXXX  in XXXX XXXX on XX/XX/22 to have from and rear brakes and rotors installed. They offered financing through Acima lease services. I applied and was pre-approved for approximately XXXX dollars. I was told the cost would be approximately XXXX dollars. Left the vehicle and was called later in the day and told the bill was over XXXX dollars and part of the reason was because they did an alignment. I informed them you installed tires less than 2 months ago and did the alignment then. I asked you to check it since it was pulling to the passenger side. They said we did the alignment again and you have to pay. I asked is everything already done they said yes. I asked why I was told and asked to sign off the repairs and final cost and was not given an answer. I never approved the charges in writing. I was sent a receipt electronically and got an a paper receipt saying the charge was for installing XXXX new tires. I asked why and was told we have to lie to them they don't pay for what we did. 

Since my car was effectively held hostage at this point and work was done without being approved in writing I picked up the vehicle after hours. 

I called Acima the same day explained the situation and was told nothing we can do. I told the person I spoke with you have falsified documents and they did not provide what your documents say they did. I was told it would be sent to their resolutions team but I wouldn't be contacted and nothing can be done. 

Today I contacted Acima again via online chat. Advised the same basic things and was told about the same thing. I advised I will not be paying since the docs are falsified. I was told they will repossess the property and report me as delinquent if I don't pay. I asked how they can repossess items when their agreement says the agreement was for tires and what was done brake service and parts. 

The representative abruptly ended the chat and I can not get a transcript.
Consumer complaint received 2022-05-12
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. (NC)

on XXXX XXXX, 2021 a validation of debt was requested. This request was never received nor response.according to the FDCPA all collection was TO cease until debt has been violated. USDA is in violation of 15 USC 1682o willful non compliance. USDA has accepted instruments and has failed to return or credit account.

1. 15 USC 1692 G MUST BE NOTIFIED IN 5 DAYS BEFORE ANYTHING IS ADDED I Was never notified by USDA 2. 15 USC 1666E CAN NOT TAKE ADVERSE ACTION SUBJECT TO PENALTY 3. 31 USC 5118 OBLIGATION CAN BE DISCHARGE WITHOUT LEGAL TENDER 4. 12 USC 1431 BANKS CANT LOAN MONEY THEY ARE THE BORROWER 5. 15 USC 16932 FALSE REPRESENTATION 6. 15 USC 1681 a ( d ) ( 2 ) ( B ) Exempt clause 7. 15 USC 1681b IDENTITY THEFT 8. 15 USC 1666b NO SUCH THING AS LATE PAYMENTS
Consumer complaint received 2022-03-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (NJ)

Alleged Collection account : Under advice of counsel for litigation the following collection company did not provide proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXXXXXX {$1600.00}
Consumer complaint received 2022-03-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Hello, I have a student loan with Navient that I do not even remember applying for. I have been making payment the best that I can but I don't believe that this is correct. The origination date - XX/XX/2007 - Supposed Original Loan amount ; {$8200.00} ; Supposed unpaid Principal {$24000.00}. I requested the promissory note and all documents regarding this student loan but they could not provide the necessary document for me to investigate.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I retrieved a copy of my personal credit report and saw that a bankruptcy had been reported across all three major credit bureaus. 

I contacted the US. Bankruptcy Court to investigate this information and to verify who they report information to. 

The Bankruptcy court responded saying that they do not report information to any credit bureaus. 

I contacted all three bureaus and enclosed a copy of the correspondence that I received and requested that the inaccurate information on my report be removed immediately. 

I received no response from any credit bureau in regards to this.
Consumer complaint received 2022-03-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

Good Evening, Mam or sir. Ive been having problems with XXXX reporting Fraudulent items on my credit report that dont belong to me. 

I have working with the district attorney regarding my identity that was stolen years ago and was recently used in a XXXX. Ive asked XXXX to delete this And it has been done.
Consumer complaint received 2022-03-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-22
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. (MD)

The summary of my present and past credit status including open and closed accounts and balance information is fraudulent. All three credit bureaus are reporting erroneous information. None of the information reported is correct. 
Total Accounts Reported - XXXX  ( 16 ) Experian ( 14 ) XXXX  ( 12 ) Open Accounts Reported - XXXX  ( 14 ) Experian ( 2 ) XXXX  ( 4 ) Closed Accounts Reported - XXXX  ( 2 ) Experian ( 12 ) XXXX  ( 8 ) Delinquent Accounts Reported - XXXX  ( 1 ) Experian ( 1 ) XXXX  ( 1 ) Derogatory Accounts Reported - XXXX  ( 12 ) Experian ( 11 ) XXXX  ( 8 ) Collections Accounts Reported - XXXX  ( 11 ) Experian ( 10 ) XXXX  ( 6 ) Balances Reported - XXXX  ( {$27000.00} ) Experian ( {$26000.00} ) XXXX  ( {$22000.00} ) Payments Reported - XXXX  ( {$38.00} ) Experian ( {$13.00} ) XXXX  ( {$38.00} ) Inquiries Reported - XXXX  ( 4 ) Experian ( 3 ) XXXX  ( 7 )
Consumer complaint received 2024-05-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC. (NC)

Applied for a SOFI personal loan. Per credit report filing, a creditor should reach out to me as the consumer to verify my identity before decisioning an application. Lender denied my application on the basis of unable to verify identity. Sofi advised they made contact with myself as the consumer a total of 3 times. Which is false. They contacted me from XXXX on XX/XX/2024 and did not identify themselves as SOFI and mentioned in the voicemail I guess you wont be getting your loan. I was then contacted by SOFI on XX/XX/2024 at XXXX XXXX and left a voicemail identifying themselves as SOFI . I returned a call to SOFI a minute later and was advised by 2 associates and an account manager that I would have to reapply and my application is denied. The lender should make every effort to contact the consumer and give me an opportunity to verify my identity which they did not do. And per the associates voicemail comment now that I know its SOFI appeared to have already decided to decline the application. I have a copy of the voicemail. I have made every attempt to contact SOFI and they have denied allowing me to verify my identity. Instead, they requested me reapply which could impact my previously quoted interest rate.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family.