davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (PA)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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.

Also the Credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2020-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (FL)

The company NCB MANAGEMENT SERVICES, reported to the three mayor credit Bureau, a fraudulent account opened under my name XXXX XX/XX/XXXX: Report Number : XXXX Date Generated : XX/XX/2020 ) and associated under my credit profile. I tried to deal with NCB MANAGEMENT SERVICES and with Credit Bureau like XX/XX/XXXX and XX/XX/XXXX but no one tried to help me. Every time that I tried to open a dispute withXX/XX/XXXX I got the following error : " You have previously disputed this item. We are not required to process a duplicative dispute. '' Now NCB MANAGEMENT SERVICES had associated the same account into my wife credit profile. 
My wife tried to get a new car and now she was unable due to the fraudulent account. 

Please I need your help. 

Thank you,
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Using XXXX website, all 3 companies refuse to provide their reports online. No reason given. This entire website is set up to allow online access to credit reports. 

Im limited to sending them letters requesting these reports? 
I have to provide photocopy proof of identity and address that is not required on this website? 

Its appears to be a collusion of calculated intents to suppress my access to a free credit report. 

Of course, these companies are more than willing to sell me my credit report on their company websites, and without any photocopied proof of identity.
Consumer complaint received 2019-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (AL)

Pro Collect placed a collection on my account and has not responded to my attempts to get them to prove that the debt is mine. Nor will they remove it from my credit report. 
They just sent me a copy of a final bill as " proof '' of the debt. 

When I called them to try to resolve this issue, the person stated that there was a '' freeze on my account ''. She stated that since I was a " third party '', she could not talk to me. She said I had to email a manager. When I emailed the manager I received a response stating that my debt had to be paid in full. 


If I am a '' third party '', why was the debt placed on my credit report? That alone should be proof that the debt is invalid.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (CA)

The App they have to pay payments is very poorly built. They have my correct account info and it was set for automatic payments. I manually paid them after receiving notice my bill was due and. The payment somehow got returned I got no notification of any returned check. This happened for the last two payments. 

They tryed to act like they didnt have my phone number and I needed to update my email but it was all the same info. 

This company is very unprofessional I want the late payments taken off my credit repost and the returned check fee and interest and late payment fees Refunded. 

Its like they purposely did this so they could charge me interest.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX 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 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2019-06-28
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: EQUIFAX, INC. (MA)

A debt from a utility company showed up on my report. After XXXX  the company it appears to be a utility company down south. I live in Massachusetts and have been at my current address in Massachusetts for 4 years. I have never lived down south and get state assistance in Massachusetts. I disputed this information and they told me its accurate and it stayed on my report. I have never had any utility services with XXXX XXXX XXXX  ( XXXX XXXX XXXX  ). XXXX has removed the information from my report but equifax and XXXX  have not.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (PA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX 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
Consumer complaint received 2022-05-13
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. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I noticed unauthorized credit inquiries and asked that they be looked into for accuracy. These Inquiries remain on my credit report. These were not obtained with my consent. Please reinvestigate and delete immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and remove
Consumer complaint received 2024-01-26
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. (CT)

Someone opened XXXX mortgage accounts with XXXX XXXX that are not mine. The account numbersXXXX XXXX Account Numbers are : XXXX, XXXX, and XXXX There also was a fraudulent account opened in my name thru identity with XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # 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 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2019-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Credit and Collection Service, Inc. (OR)

In XX/XX/XXXX, I received a CPAP machine for XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX. I was XXXX. They told me my insurance would pay for the machine for a year and then I would own it. They did not tell me they don't take XXXX. They knew I was going to XXXX XXXX for several months for ecclesiastical classes.They knew my XXXX birthday was in two months. After my XXXX birthday in XXXX, and knowing I was then in XXXX XXXX, XXXX XXXX informed me that they don't take XXXX. They demanded the machine back or payment in full. I said I would return it when I returned to my home in XXXX   but was required by my church to stay in XXXX XXXX until my classes were done. XXXX XXXX is a life threatening condition so I could not return the machine without being able to replace it ( and finding an XXXX and then replacing it temporarily in XXXX XXXX would have been very difficult and would have taken me away from my classes. ) When I returned to XXXX, I attempted to return the machine to XXXX XXXX but they had already sold the debt to Capital Credit in XXXX Oregon. I received no letters from Capital Credit. In early XXXX, a Capital Credit representative called me. I explained the situation. She said she would note this for my file and would contact XXXX XXXX. I told her I still had the machine, it was in good condition and I could return it. ( I had obtained a new XXXX machine from a supplier In XXXX that does take XXXX. ) After this phone call, I received nothing from Capital Credit ; no letters or phone calls. In late XXXX, I found a collection report from Capital Credit at XXXX and XXXX. I disputed it.. In XX/XX/XXXX, Capital Credit sent me a letter saying they were enclosing the documentation I had requested and the amount had increased by {$790.00} to {$2000.00}. I had not requested documentation, I had disputed the debt. I called Capital Credit several times and left messages but no one ever called me back. And they sent no further collection letters or calls since that one in XXXX and it is now XX/XX/XXXX. I still have the machine. It is in good condition and could be returned to XXXX XXXX. I am a minister in my church and I have no other credit collection reports at the credit agencies.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, Account # XXXX, XXXX DEPARTMENT OF EDUCATION Account # XXXX, XXXX DEPARTMENT OF EDUCATION Account # 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 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

VICTIM OF IDENTITY THEFT, MY INFORMATION HAS BEEN COMPROMISED, THERE HAS BEEN SEVERAL ACCOUNT OPENED WITHOUT MY VALIDATION. I AM DEMANDING THESE ACCOUNTS BE REMOVED/CLOSED BECAUSE THEY ARE DAMAGING MY BUYING POWER. I AM ASKING FOR THIS MATTER TO BE ESCALATED IMMEDIATELY. IF NOT I WILL FILE A COMPLAINT WITH THE FTC ACCORDING TO THE FTC 1970
Consumer complaint received 2019-06-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I have been disputing negative things off my credit. The credit bureau removes it and place it back on my credit and that is hurting my credit debt that doesnt belongs to me. What should I do? I have send the credit bureau police reports fraud paper work
Consumer complaint received 2019-04-30
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. (GA)

XXXX XXXX is reporting a debt on my credit report that they do not have collection authority for. This debt collector represents an inactive debt and is a duplicate reporting. This debt is currently being pursued by another debt collector, effective XX/XX/19. Per the FCRA, a collection agency must validate the debt by proving it is an active debt within 30 days. I have made several attempts to have the credit reporting bureau remove this the debt but they have not complied.
Consumer complaint received 2022-12-14
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: Paramount GR Holdings, LLC (CA)

There is a new account open that recently showed up on my credit report and this account was opened since XX/XX/22 from GoodLeap and just now is showing up on my credit report but this account is not mine. I dont know anything about GoodLeap or this account. Please remove this account from all 3 of my credit reports. It also shows a balance of {$28000.00} as the original loan but supposedly I still owe {$29000.00}, how can the amount go up from the original loan???? This is a fraudulent account. The term also shows for 303 months???? This account is not mine. Please REMOVE THIS ACCOUNT FROM ALL 3 credit companys. I never signed anything with them and I dont even know what this is about.
Consumer complaint received 2020-11-10
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. (TX)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.
Consumer complaint received 2019-04-26
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: Experian Information Solutions Inc. (FL)

Experian, XXXX, and XXXX are continuing to report an outdated debt with XXXX XXXX/XXXX  XXXX. A consumer reporting agency may not report outdated negative information. This debt is from 2005, which is well beyond the 7 year mark.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 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 2022-05-13
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. (NJ)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My correct name or date of birth is not reporting on my credit report. Different addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (WA)

I placed an order with XXXX XXXX XXXX  utilizing XXXX. In XXXX, I notified them that I still had yet to have received the product and to date -- I still have never received the product. I notified XXXX in XXXX of 2019 that my account was still showing a balance when I had never received the product. They then reported inaccurate late payments ( that were never owed ) because I never received the product. I notified them both in writing and email yet received no response. Later I found that the account was sent to collections to Afni and now they state that, that I can only dispute with Afni. Afni never mailed me initial notification that they received the collections. I have contacted Afni via email but still have not received any communication in the mail. 

I never received the product and thus no balance was owed. Both XXXX and Afni need to remove this as a delinquency / collection considering the product was never received.
Consumer complaint received 2022-05-13
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. (NJ)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2022-05-13
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: Global Credit & Collection Corporation (NJ)

I keep getting calls from this one number XXXX Debt collector saying he can fix the problem. 
All my previous debt have being forgiven as they were my spouse 's medical bills after she passed from XXXX XXXX. 
Now I am with XXXX and at XXXX XXXX XXXX These people have no consideration or empathy for sick people. 

Thank you
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to all credit reporting agencies have my student loan debt reporting 1 90 day late and nothing else my account was in Different this reported date was on or around XX/XX/2015 I need this 90 day removed from my credit history!
Consumer complaint received 2021-11-08
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: Experian Information Solutions Inc. (CA)

XXXX XXXX are reporting several inquiries to Experian, XXXX, XXXX and XXXX that are from unknown sources - 15 U.S. Code 1681g. In addition, these inquiries are more than two years old and should not appear on any of the bureaus. Lastly, my legal and birth name is XXXX XXXX. No other names should be reported on my credit report. Any names reporting on my credit report are different from my legal, birth name, XXXX XXXX is committing illegal activity - identity theft - fraud.
Consumer complaint received 2022-05-13
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. (NY)

My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I've enclosed an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them.