davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (NY)

I have noticed Experian furnishing information on my credit report that I never gave the permission to furnish. Experian is reporting late payments on multiple accounts and multiple dates. I never gave Experian written permission any Information pertaining to late payments because I also paid as agreed. According to 15 usc 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other ... .. in accordance with the written instructions of the consumer to whom it relates. I have reached out to Experian over 30days ago.
Consumer complaint received 2022-10-18
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. (IL)

I went to a dealership I was told that they were only going to run my credit through one bank I seen my credit report and my credit was ran through all sorts of places I did not authorize. Please delete from my credit reports. 

Equifax Unauthorized Inquires : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquires : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I explained accounts were over 9 to 15 plus years old, and were settled back then, and law states after 7 years they should be deleted, I asked them to prove the debt was active and actually mine, they couldn't, I asked them to remove it as it was 9 years old
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (KS)

On XX/XX/20 I sent correspondence to LexisNexis stating that I was a victim of identity theft ( XXXXXXXX XXXX  ) The letter was sent certified mail return receipt with tracking # XXXX, and was in LexisNexis possession as of XX/XX/20 ( XXXX XXXX ). 
The letter explained to LexisNexis that I am a victim of identity theft, and that the inaccurate addresses listed in my consumer report should be blocked pursuant to section 605B of FCRA. 
This letter also contained the following enclosures : Proof of identity, A copy of my relevant sections of LexisNexis report with fraudulent items circled, FTC Identity Theft Reports, Police Reports, Identity Theft Affidavits, Fair Credit Reporting Act Section 605B, A copy of the law : FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), A copy of Businesses Must Provide Victims and Law Enforcement with Transaction Records Relating to Identity Theft, Notice to Furnishers This matter is NOT a dispute under the provisions of FCRA 611, and is a block under the provisions of FCRA 605B As required by FCRA 605B ( 15 U.S.C. 1681c-2 ) LexisNexis is required to block the reporting of any information in my consumer credit file that I have identified as resulting from identity theft, not later than four business days after receiving ( 1 ) appropriate proof of identity, ( 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 information relating to any transaction by the consumer. 
Despite the FCRA 's requirement, LexisNexis has failed to block the reporting of fraudulent information and is relying instead on the same verification procedures it uses for common disputes. 
Again, my records indicate that LexisNexis was in receipt of this request on XX/XX/20. The 4-day deadline required by section 605B for blocking the fraudulent information has passed as of XX/XX/20.
Consumer complaint received 2019-08-28
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. (GA)

I have many attempts to resolved matters with 2 fraud accounts reporting on my credit report and incorrect account information and inaccurate late reportings to no avail. Please assist in getting the following incorrect information removed from my credit report. I have been dealing with this matter for many months. 

Please assist me in removing the following items from my credit reports : Fraud Accounts : Unknown accounts on XXXX - Acct # XXXX & XXXX Inaccurate late reportings : XXXX, XXXX XXXX, XXXX XXXX on TU, and XXXX Unauthorized Inquiries : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX,
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

New set of problems with PNC Business checking ( XXXX XXXX XXXXt ) Issue # XXXX : PNC is restricting my account in terms of how much amount of money I can get out of this account by ACH. There are no free checks provided and XXXX is limited so how somebody like me can do the business? When I talked to PNC local branch manager ( XXXX ) -I am told that buy some pinnacle kind of service to have higher limit, what? Why in the world PNC bank going to tell me how i should run my business and when I need to pay something and how much? if there is a fraud going on then it's fine but why otherwise? it seems PNC is just looking for creative ways to get money out from the customer. 
Issue # 2 : Some very basic stuff also - like knowing account # and routing #... it is not straight forward and I need to provide mobile OTP to get it. This is ridiculous. 
Issue # 3 : Customer service is never available. There is recorded message that it is 20 minutes of wait... NO even after 1 hour ... there is nobody ... then they say-you can provide your phone # to save your spot in line and we will call you back... I have got the calls after 4 days in the past. 
Issue # 4. PNC challenges me with questions - like what was the license plate number of the car that i was owning in 2005. Do you think that it is reasonable to expect that a XXXX years old guy will remember the license plate number of their car - may be 17 years back???? This is ridiculous. 
Issue # 5 : If i have setup a ACH out transaction in future and want to edit it then i can not, i can only reduce the amount of that transaction but can not cancel it. That's really so outdated banking.
Consumer complaint received 2021-12-08
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (GA)

This has been an on going issue with Experian. I sent letters to XXXX and Experian asking for the accounts listed to be investigated per the FCRA. I sent complaint and Experian responded with the attached letter. 

According to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge or who may have knowledge concerning any such items of information. 

They stated my account my account were verified but how is that possible if they did not perform perform a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. Lastly, according to the FCRA 15 USC 1681 everything has to be 100 % accurate.
Consumer complaint received 2018-12-05
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)

Transunion is showing XXXX XXXX XXXX  with charge off but is showing a balance. This is clearly an error and violation of the FRCA and so should be deleted. This account also pass the statute of limitation and should no balance.
Consumer complaint received 2020-01-30
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. (AR)

As I decided to purchase a jet ski for summer fun my salesman told me that in order to get it financed I had to get my credit report pulled. He pulled my credit report and I was in deep shock on all the items listed on my report that did not correspond to me. Could you please remove those items from my report. 

XXXX  XXXX XXXX  XXXX {$950.00} XXXX/XXXX XXXX {$150.00} US DEPT OF ED/XXXX  XXXX {$15000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX XXXX  XXXX   XXXX  XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} XXXX   XXXX  XXXX {$0.00}
Consumer complaint received 2020-01-31
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. (NV)

I have been denied credit due to identenity theift, I have an ample amount of account that were opened in my name and the credit bureaus are not allowing me to dispute these accounts with them online. I am not happy with the way this situation is being handled and i am asking that the cfbp steps up and make the credit bureaus do what is right by law. I am asking that this inaccurate information about me is blocked by the credit bureaus
Consumer complaint received 2020-01-31
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. (TN)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX  XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-05-04
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. (AR)

In accordance with the Fair Credit Act, XXXX account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 15 usc 1681 section 602 8 states I have the right to privacy. 15 usc 1681 section 604 section 2 states consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2019-08-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

On XX/XX/2019, I paid an old medical collection account with Credit Systems International via phone through a company representative, XXXX XXXX in the amount of {$130.00}. Numerous times it was announced the call was being recorded. Prior to making the payment, I specifically requested an email confirmation of the payment and confirmation of the deletion request of the collections reported to both XXXX and XXXX Credit Bureaus. I was assured my XXXX XXXX this would be sent to me, but not until the payment was made. 
My call was then transferred to a 2nd " bookkeeper representative '' who took the payment. When I provided her with my email in order to receive the confirmation, I was placed on hold and transferred to a 3rd representative who rudely informed me it was not a company policy to communicate with consumers electronically/via fax. I requested management personnel and was connected with Supervisor, XXXX XXXX. I explained the situation. 

Supervisor XXXX XXXX stated it is not company policy and no confirmation would be provided. I was told to " show up in person '' if I wanted confirmation These are blatant abusive/dishonest business practices being used with no consequences. There are many complaints on the XXXX website of this same nature with the company 's same canned reply. They are not following up to clear the collections appropriately on consumer reports, the original reason I requested confirmation. This has to somehow be in violation of Fair Debt Collection Practices.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (DE)

XXXX  and XXXX This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them.

DEPTEDXXXXI do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account
Consumer complaint received 2018-12-05
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. (ID)

there is no sufficient information to support Transunion 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX  , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX , XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX  ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC (TX)

On or about XX/XX/XXXXXXXX  I had given up willing my XXXX XXXX XXXX the Auto Loan was with XXXX XXXX XXXX. A repo company took said XXXX XXXX XXXX and I thought that was the end of it. In the early months of XXXX  I was advised by a process server I was served with a civil suit from XXXX XXXX XXXX represented by XXXX XXXX XXXX. I was told I owed over {$20000.00} and the case was referred to my local Justice of the Peace Judge XXXX XXXX. I cant remember how much the initial price of the car was but I paid nearly 2 years of it. The sad fact is I couldn't afford the car anymore and I had to decide weather to pay the vehicle or not pay rent for the apartment I was living with my daughter and wife. I choose to pay rent for my family 's safety and well being. I went to about 3 or 4 courts with no avail and continuations. It was the last court on XX/XX/XXXXXXXX  that I went before Judge XXXX XXXX and I was told its your lucky day they wont be coming after you anymore as he handed me some paper work. I noticed there was no representative for XXXX XXXX XXXX in the court like the other few times. The papers handed to me were 3 in total but the last paper read as follows : It is therefore ordered that Plaintiff 's be lawsuit be non-suited without prejudice as to re-filing, that the above-styled and numbered cause is hereby dismissed, in regards to XXXX XXXX XXXX without prejudiced, and that all costs of Court be taxed against the party incurring the same. I do have documents to submit if needed. 


Now I am being contacted via mail by debt collect by the name of Radius Global Solutions in the amount of {$24000.00} for said auto loan. I thought this was done with they are reopening this suit. And I am exhausted and I am trying to buy my family a home and are tired of living in a cabin that I had to buy without the means of credit. Please help me.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

The account Elan Financial Service shows in collection, charged off bad debt. I do not have or never had an account with them. They have negatively reported on my credit report recently after a request to remove false information. It has caused me stress. I asked for original physical verification from them. They have never sent me original signatures information requested. This appears to be a stall tactic which has hurt my ability to obtain credit. Also they have purposely listed account is over the limit in retaliation of my request. They are purposely hurting my credit with false information about being over the credit limit. They have NOT provided me with a physical copy of any original documentation required under Section 609 ( a ) I demand under FCRA that the unverified account be removed. Section 611 ( 5 ) ( A ) of FCRA - you are required to " ... promptly DELETE all information which can not be physically verified.The Law is very clear. Once they remove the information they can reach me at by mail at po box XXXX XXXX XXXX CA XXXX or XXXX XXXX
Consumer complaint received 2021-09-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MS)

on XXXX XXXX, i sent a letter to lvnv funding, llc requesting validation of the alleged debt they say i owe.it was sent off usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and it was Delivered : Fri, XX/XX/XXXX, XXXX XXXX.they have not responed to me within 30 days and therefore this unverified item must be deleted before i consult my attorney.LVNV FUNDING XXXX LLC sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$820.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, LVNV FUNDING, LLC has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.