davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-14
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. (IL)

After sending information to verify myself with my disputes ( XX/XX/2019 ) Experian has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see below ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2019-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MT)

On or about XX/XX/2019 I sent LVNV a certified letter requesting a validation of debt for two alleged accounts ( Reference ID # XXXX & # XXXX ) and as of todays date they haven't provided me any validation response. On or about XX/XX/2019 I sent LVNV a 2nd certified letter requesting validation of as of todays date they haven't granted my request. 

On or about XX/XX/2019 I received a letter from Resurgent Capital Services '' stating " Resurgent Services L.P. manages the above reference account for LVNV Funding LLC ''. " Resurgent Capital Services '' failed to provide any validation of debt. With this letter that I requested approximately two months ago from LVNV. There is no question that " Resurgent Capital Services '' is aware of my validation request done XX/XX/2019 & XX/XX/2019 and they also are denying me my request for validation of debt.
Consumer complaint received 2022-12-02
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. (NV)

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 by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. It has been over 90 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-06-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

I have been sending about {$300.00} monthly to a XXXX XXXX in XXXX for over a year. Sometimes, if they have an emergency like someone is sick or i jured, I will send more. This was after getting to know the head pastor and and assistant pastor over XXXX XXXX and phone calls and texts. I have seen many, many, many photos of them leading XXXX services and revivals. I have spoken to them on video phone as well. Suddenly both XXXX XXXX and Moneygram REFUSE TO SEND my monthly gift WITHOUT EXPLANATION. I tried to send them {$600.00} recently to buy an Air Conditioning unit for ther church because their old one died. It has been over 120 degrees Fahrenheit in the daytime in XXXX XXXX where they live!!! PEOPLE ARE DYING FROM SUCH HEAT!!! But both XXXX XXXX and Moneygram have REFUSED TO SEND MY MONEY EVEN WHEN I BRING IT TO THEM IN CASH!!! I want the servce they OFFER EVERYONE ELSE!!! There are severe limitations to who offers such services to XXXX. I can not just pick another service! I served my country 28 years and held a XXXX XXXX XXXX, why am I being singled out for NO SERVICE?!? Or do they just not like people of XXXX or XXXX!?!!! The pastor in XXXX has visited the USA several times and is friends with the ex-governor of Arkansas, XXXX XXXX. How is a XXXX XXXX deserving of such abuse!?!?
Consumer complaint received 2023-07-27
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. (TX)

This formal complaint is against Equifax, XXXX and XXXX for unlawfully reporting fraudulent accounts that were established using personal identification without my authorization or written consent. Equifax has willfully and negligently ignored multiple dispute requests to properly address fraudulent information being furnished on my consumer report. You have failed and neglected to provide written proof and validation that these alleged accounts belong truly to me. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX I presume that no proof of the alleged accounts, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MI)

I have disputed this account several times and the results on XX/XX/19 came back that XXXX  and the company deleted this account from my credit report. Now this company is back reporting it after deletion how can I get this resolved? I do not owe this and this company sent me paperwork with false signatures on it. I want help to keep this account deleted this is unfair collection acts.
Consumer complaint received 2023-04-13
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: SANTANDER HOLDINGS USA, INC. (FL)

I ask in the name of XXXX XXXX, I pray Santander Consumer USA , Inc., act in good faith and do NOT discriminate. See attachments. XXXX XXXX All Rights Reserved.
Consumer complaint received 2018-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (SC)

On XX/XX/XXXX I received a promotional mailer for TD Bank at our house address. It required a minimal amount of money direct deposited to a new TD checking account in order to receive {$300.00}. My wife and I went into the TD Bank XXXX, SC location on XXXX XXXX. and met with the ( branch manager? ) XXXX. We brought the promotional flyer in and setup our Checking and Savings accounts accordingly. We exceeded the minimum monthly direct deposit for many months. Around XX/XX/XXXX I stopped in the bank ( XXXX location ) and spoke with XXXX - who confirmed that we had met all the eligibility requirements, but were now just waiting for the credit - and that it could take some time. I accepted that as an answer and moved on. On XX/XX/2018 I called the XXXX branch and requested information about where the credit is - since enough time has passed for TD Bank to honor their end of the deal. I was told I would receive a call back - which never happened. I called today ( XX/XX/XXXX ) and spoke with XXXX XXXX - who could not provide any information about where my credit was or what was going on. I insisted that I speak with someone else and got a different number which led me to XXXX ( XXXX, SC office ). She informed me that she had looked into this matter and had attempted to call me at the end of XX/XX/XXXX. She told me she left a message, but I have not received any proactive communication from TD Bank regarding this situation. The bank has my email address on file, but I never received an email. They also have my correct physical address on file, but I never received a letter. XXXX also informed me that " the customer did not receive a mailer '' was the response she received from TD Bank research department. This SHOULD have been something caught when we opened the account in-branch ( with the flyer in hand ) for this specific reason. I requested to escalate this higher and XXXX gave me the number to XXXX XXXX. I called him and he is not available. I have several other local bank accounts and this bank is the worst. They are slow, have terrible customer service, don't call you back - and nobody seems to know what is going on. My wife and I signed up as NEW TD BANK CUSTOMERS just because of this bait and switch offer that they are not wanting to honor. On XX/XX/XXXX I read this complaint to XXXX in order to verify that all of this information provided in this complaint is as accurate as possible.
Consumer complaint received 2017-07-25
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. (TX)

I have contacted Experian several times to have unauthorized inquiries removed, yet they will not remove them. There is no documentation that I authorized these transactions and I even have a fraud alert on my file. It is unfair to have to reach out to companies, with no success, to try to get inquiries removed that I did not authorize to begin with. Also, it is unfair and not good practice to continually deny me, yet when other customers call a rep will remove inquiries for them with no hesitation or valid reason being provided. If the policy is that an inquiry should stay on file for two years, this must be enforced consistently with each client. And that is not the case. At this point, if my issue is not resolved, I would have to escalate to BBB and The State Attorney 's office. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order None of the below inquiries have open/active accounts on my report nor were authorized and I would like them removed ASAP : -XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

To whom it may concern I and writing in request that action take place on these accounts reporting negatively on my credit report. I have requested that my personal information be updated. 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 1681 b ( c ) and a serious breach of my privacy rights. 



Acct. XXXX XXXX XXXX XXXX late 30 days XXXX  Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct. XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX questionable Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX XXXX XXXX not mine Acct. XXXXXXXX XXXX inaccurate Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-23
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. (IL)

TransUnion LLC Consumer Dispute Center violated 15 USC 1692c ( b ). Under 15 USC 1692 - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

This law states that a debt collector isnt allowed to communicate with any person other than the consumer and his attorney without the prior consent of the consumer given directly to a debt collector, or the express permission of a court of competent jurisdiction and the court doesnt disclose information with the bureaus. Also, me or my attorney never gave TransUnion LLC Consumer Dispute Center any permission to communicate with anyone regarding my personal information. This is identity theft. Also, I am the original consumer so only I can give prior consent to a debt collector. How am I the original consumer? I was loaned my own money from my social security card. Want proof? The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.
Consumer complaint received 2022-08-27
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. (TN)

This is not a DUPLICATE report and this is not filed by a 3rd Party. 

I just reviewed my credit report and there are some Hard Inquiries that I don't recognize. The Hard Inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-13
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: U.S. BANCORP (NH)

Purchased, by phone, two chairs on XX/XX/XXXX. Never received the items ordered. When informed the Bank originally refunded the amount charged and interest. Subsequently the refund was reversed and the charges were reapplied to my account. 

The bank sent me a copy of two pages of a seven page FAX they received from the shipper which does not specify by name where or to whom the claimed delivery was made. 

I filed a police report in which both the merchant and the shipper stated the items were never shipped and were never delivered. 

I notified the Bank and sent them a copy of the police report. They have refused to adjust my account or even to acknowledge the report. 

I was able to contact the merchant who told me the funds had been removed from his account in XXXX of XXXX. 

I contacted the office of the president of the Bank, several times, and have received replies from agents identified only by first name. 

I contacted the office of NH Senator XXXX. An assistant from that office agreed to try helping me. The Bank did not change their position after hearing from Senator XXXX office and have refused to credit my account. This inquiry was acknowledged by a letter on XX/XX/XXXX. 

XX/XX/XXXX I received a letter from the bank saying that a refund was forthcoming. XX/XX/XXXX I received another letter saying there would be no refund.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (OH)

On my XXXX Credit Report I see a Hard Inquiry on XXXX, 2021 from NETCREDITXXXX I didnt request any new loan or credit card in months. So this Hard Inquiry was not authorized. I have sent emails to this company, their response- they wanted me to log into my account- which I do t have to continue communications with them. I responded that I dont have an account or login, I havent receive anymore communications from them I have sent letter to both XXXX and XXXX notifying them that this was an unauthorized inquiry
Consumer complaint received 2019-10-14
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. (PA)

Relevant dates : XX/XX/XXXX - XX/XX/XXXX Dispute Nature : Falsely reporting late/missed payments for my mortgage payments Offender : XXXX XXXX XXXX I am a US Veteran and took out a VA Mortgage through XXXX XXXX back in XXXX and have always paid on time and in full without fail. ( in fact I overpay and pay early to lower my interest payments ). 

In XX/XX/XXXX I went abroad to XXXX to get my XXXX with my GI Bill and did not have access to my US address or US phone number. I notified all my banks ( including XXXX XXXX ) and they assured me it wasn't a problem and that they could reach me via email. 

In XX/XX/XXXX XXXX XXXX stopped crediting my account because of escrow readjustments even though they were accepting my payments. They never notified me ( via email, as promised ) and instead held the money in their accounts earning interest at my expense. On top of that, they had the audacity to charge me late payments of {$430.00} despite holding onto my payments and also falsely reported my payments as missed/late to credit reporting agencies ( XXXX, Equifax, XXXX, etc ) causing my credit score to plummet by over 400 points. 

It wasn't until XXXX of XXXX where they threatened to foreclose my house and seize it did they bother to contact me ( via email, as promised ). At that point I had to choice but to immediately pay the fines and bring my account back to good standing. 

After everything was settled, I called XXXX XXXX and the credit reporting agencies to dispute my credit score and XXXX XXXX refused to cooperate and my credit history lies in ruin and they also refuse to reimburse me for the fraudulently charged late fees. 

I am asking for your help in helping me fix this and restore my credit history back to its former good standing. Thank you. 

If need be, I have all my banks statements annotated and highlighted attesting to the validity of my claims, for your convenience.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my second complaint to the CFPB in as many months. I am a victim of Identity theft and there has is negative information documented erroneously in the file Experian maintains under my Social Security number. Upon reviewing an updated copy of my credit report, I see the aforementioned accounts which were not authorized by me either was I a beneficiary of any usage or services from the lenders listed. I challenge the accuracy, compliance and reportability of these listings. Please delete these accounts as fraudulent, unauthorized and are not bearing my original signature. I formally dispute and request that this information be immediately deleted from the credit file Experian maintains under my Social Security number. Please note that I have the right to dispute and request this deletion of the identified accounts per FCRA sub section 605b and I requested full proof in the aforementioned structure, as per the FCRA Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of Experian 's actions, including thereMethod of Verification. I do not consent to XXXX or any means of automated verification. Failure to respond satisfactorily within 4 business days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Endorsement 3. ) Identity Fraud 4. ) Violations of the Fair Credit Reporting Act Section 605b, Section 609, Section 611
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

IN XXXX XXXX XXXX  HAD BEEN FALSIFYING LAWSUIT AND FINALLY ILLEGAL JUDGEMENTS WHICH WAS NSERTED IN TO MY EXPERIAN CREDIT REPORTS SEVERAL TIMES.AND RE-INSERTRD TWICE.
Consumer complaint received 2019-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

Around XX/XX/XXXX, I received a notification from XXXX XXXX that I had a student loan account that was reported as a delinquent. As a result of the information provided by XXXX XXXX, I was able to contact my federal student loan servicer ( Nelnet ) and let them know that I had received no prior communication from them, and was unaware that they would be servicing my federal loans. During our initial conversation, they even verified that they had my appropriate email address and phone number on file. At that time, I was notified by a Nelnet representative that I could consolidate my loans, which would bring the accounts current and that they would remove the negative report from my credit score. 
On today, XX/XX/XXXX, I applied for credit for a separate loan product with another company and received a notification that I was denied due to the delinquency still being reported on my credit report. I then called Nelnet, who informed me that the information that I was given by another one of their representatives was false. The representative I spoke to today, also initially claimed that she couldn't find in their records when someone would have told me this, which I believe to be a lie in an attempt to cover up the false information that I was given, as she later stated that I had previously spoke to four different people during the time of my initial complaint with them.
Consumer complaint received 2019-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (TX)

There is a claim on my Credit saying I owe a Target {$430.00} for a false account I never opened. I will take legal action against Target if this is not cleared immediately. I believe my identity has been stolen.
Consumer complaint received 2019-10-14
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.