davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (LA)

I applied for a payday loan at ACE cash express and when I proceed with the application they did not tell me that they have to do a credit check because in the yellow pages it said no credit check but they are doing false advertising and if you applied several months or ago they will not ask you have any of your information has change they just give you a denied letter going off some old information and then storing your information so if you come back to reapply they still have your information they are not suppose to keep your information in their database because information on your report change over the months and years. They just do n't take out time to update their system so it can have the information up to date.
Consumer complaint received 2018-01-25
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. (WI)

The accounts that I have marked are inaccurate and have obviously been altered. I do not identify origination dates on those accounts, nor authorized any of the accounts listed below. My credit was injured vastly without my consent, no authorization to obtain money, goods, credit, loans, or services. Neither did I receive any benefit from this horrific situation. I am willing to work with the authorities. Someone has clearly been using my information since. I have filed a consumer complaint with the Federal Trade Commission : XXXX and will address each credit bureau separately. I demand that they work on my file with in 24 hours in  compliance with FCRA. I will fax an affidavit and will list errors.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The account is XXXX in which I was a authorized user on my mothers account ; The account was not closed and is still active. I am just removed as authorized user because I applied and received my own account with XXXX. Regardless this states that the account was terminated by credit grantor and it was not. Please update your records to reflect these changes.
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WSFS FINANCIAL CORPORATION (NJ)

for several months I have a problem of fraud and identity theft, and had to make several police reports and ftc also reported fraud alerts in my credit reports, this WSFS XXXX  account is not mine, it is a fraudulent account that this company.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE CREDIT REPORTING AGENCY VERIFIED THESE WRITTEN OFF ACCOUNTS AS ACCURATE, HOWEVER PROOF OF VERIFICATION, DOCUMENTATION USED TO VERIFY AND PROOF OF OWNERSHIP WERE NEVER MAILED TO ME.
Consumer complaint received 2018-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SQUARETWO FINANCIAL CORPORATION (WI)

I went to buy a used truck from a local car dealership to get a better used truck since I had a stable job and had a good credit score ( 9 months prior to XXXX 2015 it was around XXXX ). I had no thoughts that I wouldnt be leaving that day with the same one I had rode in with but thats what happened..the financial guy came out and asked me about some delinquent credit cards on my report to which I had no idea about. Turns out there were 4 fraudulent cards made in my name and I had no idea about any of them. Within the next few days I had my SSN froze, a police report filed at the local police station and at least 20 different disputes over the last few years with multiple  credit bureaus/creditors stating that it was identity theft and slander but XXXX XXXX is refusing to remove it. They have made no effort to resolve said issues and I have made more than enough of the effort. All of the other accounts that werent mine have recognized the fraudulent activity and removed the accounts immediately.
Consumer complaint received 2018-01-25
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: Avantus, LLC (MA)

Dear CFPB, My XXXX credit report showed that there was a hard credit inquiries on XX/XX/2018. However, I did not authorize any company to hard pull my credit in the last few month. 

The detailed information of this company is : XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX Thanks for helping me to resolve the issue. 

Best.
Consumer complaint received 2024-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have filed 4 disputes with credit bureau and filed a complaint with cfpb and no one is correcting I talked to the owner XXXX XXXX and he sent me a letter I submitted and the bureau. I did not miss a payment the account has been paid off in full by me XXXX XXXX,2017 .IF THIS IS NOT CORRECTED IAM SUEING ALL PARTIES EQUIFAX XXXX AND XXXX XXXX XXXX correct this now on my report i have submitted proof it has been paid this is ridiculous and fraudelant to have paid and report that I missed XX/XX/XXXXpayment .IT WAS PAID XXXX 9,2017 check the records
Consumer complaint received 2018-01-25
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. (GA)

I have filed 4 disputes with credit bureau and filed a complaint with cfpb and no one is correcting I talked to the owner XXXX XXXX and he sent me a letter I submitted and the bureau. I did not miss a payment the account has been paid off in full by me XXXX XXXX,2017 .IF THIS IS NOT CORRECTED IAM SUEING ALL PARTIES XXXX TRANSUNION AND XXXX XXXX XXXX correct this now on my report i have submitted proof it has been paid this is ridiculous and fraudelant to have paid and report that I missed XX/XX/XXXX payment .IT WAS PAID XXXX 9,2017 check the records
Consumer complaint received 2020-10-20
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. (MI)

I have been with consumer powers for overs and my account was paid while my services were still on at my address and it was paid through consumer powers before XX/XX/XXXX. When I spoke to consumer powers that year and they told me that it went to collections by mistake and it was pulled from them and I found it on my record in XXXX and I called them back and they told me that the company said they bought it and it didn't matter that it was paid on time through the company which is consumer powers that they had bought the account it will still show late payments on their end even when it was paid off. So i decided to call the company in XXXX and they told me that it was removed and I told them that I still see it on my credit report. They asked me when was the account paid off and I told them in XXXX. So I called the company back and they told me it was paid off and the collection agency wouldn't let them remove it so I had to dispute and I been disputing this account for serval years now. They found out found by me that it was paid off and they had to keep what was on the account still. It's been over two years on this account and it is still showing paid on time but it's also showing negative from all credit bureaus.
Consumer complaint received 2018-01-25
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: CCS Financial Services, Inc. (TX)

This company below posted a collection account on my credit report prior to contacting me or giving me an opportunity to dispute by law I have 30 days to dispute. By law the collection company is required to send notification of debt. 
This is the three company trying to collect on this debt. 

XXXX XXXX XXXX {$470.00}
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These accounts below are not mines and I have disputed this before. I have also provided a FTC fraud report in the past.
XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXXXXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Revolving Negative XX/XX/XXXX These two accounts are the same and should not be posted twice to my report.
XXXX XXXX XXXX  XXXX XXXX - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - - Installment Negative XX/XX/XXXX This account below is more than 10 years old.
XXXX XXXX XXXX XXXX XXXX XXXX - - Installment Negative XX/XX/XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

several accounts on my credit report that are inaccurately reported by TransUnion. These inaccuracies are adversely affecting my credit score and financial well-being. 

The following accounts are currently being reported inaccurately : XXXX XXXX : - Inaccuracy : This account is reporting inaccurate. 
XXXX XXXX XXXX XXXX : - Inaccuracy : This account is reporting inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX Inaccuracy : This account is reporting inaccurate. 
XXXX XXXX XXXX : - Inaccuracy : This account is reporting inaccurate. 
XXXX XXXX XXXX XXXX : - Inaccuracy : This account is reporting inaccurate. Late payments need to be removed for XXXX, XXXX, and XXXX of 2017. Update to PAID AS AGREED. 
I am formally disputing these inaccuracies and requesting a thorough investigation into the reporting of these accounts. 

I kindly request that TransUnion investigate these matters promptly and provide me with a timeline for resolution.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

This complain concerns that XXXX has reported a failed to pay status on my credit report in reference to my previous lease ( XXXX XXXX XXXX account # XXXX ). the agreement per new lease being obtained ( XXXX XXXX XXXX account # XXXX ) was that three payments were going to be made by XXXX XXXX XXXX dealership itself and the last two payments being taken care of by the loyalty program. In result, that would of taken care of the five final payment obligation on previous lease. The final two payments through the loyalty program were not received by XXXX as agreed upon then when the new lease took place. I have been to the dealership a few times, I have wasted more than 3 hours of unnecessary time waiting to speak to the manager. I have always been told that the manager ( XXXX ) would see me and that I had to wait. Long after waiting and getting upset with the staff, I was told that the manager would not be present that day. Attempted to make a few direct appointment to see the manager ( XXXX ) and every time he was never present for our appointment. 
i have called XXXX directly to resolve this issue without any success. Upon the last clarification from XXXX XXXX XXXX 's financial supervisor due to my fathers bankruptcy the loyalty program will not take effect even though i was not in any way involved with his bankruptcy. The sales & leasing consultant XXXX XXXX knew of my fathers bankruptcy during the transaction and i was informed by him that this would not be an issue or problem to make all the payments needed in order to close the old lease account # XXXX and preceded in selling me the new lease ( account # XXXX ). I am very frustrated with the financial hardship and credit damage. As this has lowered my credit from a XXXX to a XXXX and now showing my status as a delinquent. This has complicated my financial aid and other financial issues. a failed to pay status on the old lease from XXXX has been posted in my credit history. All of this unnecessary work, time, headache and worrying was unnecessary had the staff followed all necessary steps finding the discovery of my fathers bankruptcy status. This should have never taken place as to the employees have all the resources they need at their fingertips.
Consumer complaint received 2018-01-25
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. (FL)

several inquires on report that are unrecognized, plus they are none account holding inquires thats not from an employee orinsurance. 

Experian business credit XX/XX/XXXX unrecognized inquiry XXXX credit/XXXX select XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XXXXunrecognized plus none account holding inquiry XXXX XXXXXX/XX/XXXX unrecognized plus none account holding inquiry XXXX XX/XX/XXXX unrecognized plus none account holding inquiry XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXXXX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX/XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding ive filed several disputes asking for proof of inquiries but only got a response back that they were confirmed
Consumer complaint received 2021-09-09
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. (GA)

XXXX XXXX reporting XXXX open balance. This account was included in my bankruptcy and the information is not correct. I have contacted the credit bureau and it was removed but keeps coming back under a new collection agency. This is a breach and I can sue for reporting inaccurate information. 

XXXX XXXX XXXX- 3 accounts on credit that was open fraudulently. I have notified the company and credit bureau and they still placed it on my report. The account was opened not even with my social and the person changed my middle initial. One card the balance is XXXX, next XXXX, and 3rd XXXX. Please remove this accounts from my report or find out who opened them and put on their credit. REMOVE IMMEDIATELY AND DO NOT PLACE BACK ON MY REPORT. 

XXXX XXXX- XXXX This account I have no knowledge of- Called and company keeps telling me its my account and can not provide any proof that it belongs to me. Told me to dispute with credit agency and agency is doing nothing to help me in these fraudulent cases. 
XXXX XXXX XXXX- XXXX This account I have no knowledge of. I have attempted to contact company and they fail to give me any details because I cant confirm the details on the account- So they need to remove, XXXX- XXXX XXXX XXXX XXXX  - Never opened any account with this back. I dont know if this is a credit card or bank. This account just appeared out of nowhere so I havent contacted them as of yet. But I know it doesnt belong to me. So please remove. 

I havent had a job in over 2 years and no new accounts were opened by me.
Consumer complaint received 2017-07-30
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. (AL)

I had a judgment on my account from XXXX XXXX XXXX that was removed because of the insufficient identifying information that is required for the account to be reported on my credit report per the new law change effective XXXX XXXX, 2017. They had this judgment twice on my credit report. As a judgment AND an account ( in which it was only a judgment ). This judgment that is currently being reported improperly needs to be removed immediately off my report.
Consumer complaint received 2018-01-25
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: AES/PHEAA (NY)

XX/XX/XXXX - sent letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history XX/XX/XXXX - send 2nd letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history Both instances where letter was sent, the only response I received was " verified ''. 

Currently that is the only response i received from anyone regarding my issue since XX/XX/XXXX.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

Southwest collections is still reporting the account as being an open account, when it should not be. In California there is a 4 year statute of limitation an open account. The original company was the XXXX so the account has also been reaged to when Southwest collections got it. I am requesting a verification of this account, which I am entitled to within 5 days of request.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This account lists the following company as the creditor XXXX. This company is NOT the creditor, I never contracted with them, and I sent certified mail to them and also ALL of the credit consumer agencies to immediately correct my reports and remove this account. 

This account has been correctly show as PAID OFF since XX/XX/XXXX. 

This account is to be removed immediately, it is affecting my credit worthiness I worked very hard for. 

Last reported XX/XX/XXXX - Amount : {$170000.00}
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (SC)

American Express has froze all of my MR points across all of my cards. I was not given notice or a reason why my points are being held for review. Their reps would only tell me they will be held for 6-8 weeks ; reps would n't tell me when the beginning of this 6-8 week " review '' period began so there 's no way to extrapolate when it will end.
Consumer complaint received 2018-01-25
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. (WA)

This company refuses to provide proof of credit validation. 

They harass me numerous times during the day. 

I have sent validation letters in : XX/XX/XXXX XX/XX/XXXX They still insist I pay for this account. 

This is fraud.
Consumer complaint received 2018-01-25
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: General Financial, Inc. (WA)

This company refuses to provide proof of credit validation. 

They harass me numerous times during the day. 

I have sent validation letters in : XX/XX/XXXX XX/XX/XXXX They still insist I pay for this account. 

This is fraud.
Consumer complaint received 2017-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have a collection account listed on my credit report ( all XXXX - XXXX, XXXX, and XXXX ) - reported by Account Resolution Services on behalf of a medical debt not specified.
From a search conducted on Texas 's treasury site, Account Resolution Services is not licensed to collect in the state of Texas there fore I am disputing this collection account. Please have the collector verify their bond number to collect debts in Texas as the screenshot I have attached, do not match the contact details listed on my credit report for Account Resolution Services.
If indeed, they are licensed why are they collecting under a DBA or different name not listed on the license/bond with the state?
Account Resolution Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX