davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Stark Collection Agency, Inc. (WI)

Prior to XX/XX/XXXX XXXX sent me a letter saying that I owed them {$100.00} for failing to return equipment. When I called them, they stated that they never got any shipments through XXXX from me. They insisted that I go to my car to find proof that I shipped it. I called them back and got another operator, this one actually said YES, I did send both packages back to them, but I did not include one item so they are billing me for that one item. 

I told them that I did indeed send it to them, and they said that they needed someone else to call me back. I waited, no call back, then. On XX/XX/XXXX, I got a collection notice from Stark. I responded via email to them on XX/XX/XXXX disputing this debt and asked them to provide proof that I did not ship the item in question back. I got no response from them. 

Now today XX/XX/24, I got another very generic email from Stark, again stating that I owe them {$100.00}. I replied again today, asking for the proof again, and this time I copied XXXX XXXX XXXX XXXX on my response, I also let them know I would be filing a complaint here, with you. 

XXXX has ignored me other than demand money, Stark has ignored me other than to demand money and I do not know how to get someone to respond to me. I no longer trust verbal communication with XXXX, I will only correspond with them in writing.
Consumer complaint received 2024-05-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (WI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: M.A.R.S., Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX I have recently checked my credit report and noticed some inaccurate accounts reported.
Consumer complaint received 2020-11-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (FL)

Took out a loan at 490 % interest because I needed the money, Paid all of the payments but had 3 that were late. Company charged me {$930.00} interest on those XXXX payments being paid late. The loan was for {$800.00} and now are refusing to eliminate the illegal interest being charged even though the loan was PAID IN FULL! This company must be stopped
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I called XXXX and gave them all of the companies above with inquiry dates which are listed above. I asked XXXX to please remove them from my credit report because I never authorized these inquiries and that I was a victim of inquiry issue. I am not questioning any debt on my report. all I asked was for all of them to please be removed because I never authorized them. XXXX was not responsive and told me they would not remove and for me to just wait a few years and they would go away. I told them this was not acceptable, I also have tried reaching out to the companines above, but I am like a needle in a haystack. I can not find a human being to help me. If you could please let me know if your company can help me. thank you so much.. XXXX
Consumer complaint received 2017-08-09
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. (NJ)

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I called XXXX and gave them all of the companies above with inquiry dates which are listed above. I asked XXXX to please remove them from my credit report because I never authorized these inquiries and that I was a victim of inquiry issue. I am not questioning any debt on my report. all I asked was for all of them to please be removed because I never authorized them. XXXX was not responsive and told me they would not remove and for me to just wait a few years and they would go away. I told them this was not acceptable, I also have tried reaching out to the companines above, but I am like a needle in a haystack. I can not find a human being to help me. If you could please let me know if your company can help me. thank you so much.. XXXX
Consumer complaint received 2024-05-20
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (FL)

This dispute was already resolved from XXXX XXXX property where they kept my security deposit. This company keeps harassing me. This information is no longer on my credit and is no longer owed. The company is hunter warfied
Consumer complaint received 2021-07-19
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. (MS)

XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-05-19
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. (MS)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$750.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX  XXXX XXXX {$270.00} XXXX XXXX XXXX {$200.00} XXXX XXXX   XXXX {$270.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX  XXXX {$1800.00} XXXX XXXX {$890.00}
Consumer complaint received 2020-05-19
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. (MS)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$750.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX   XXXX {$270.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX  XXXX {$1800.00} XXXX XXXX {$890.00}
Consumer complaint received 2020-05-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO. (SC)

Due to the hard time I am having I am unable to pay my debt. This company has called my mom numerous times and she is not on my account. I will pay my debt but not right now. They have no right to call her and its causes more stress.
Consumer complaint received 2019-10-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

After 13 years of being divorced, my ex-husband finally refinanced the HELOC loan for his house that we once shared. This XXXX XXXX HELOC loan was paid off ( refinanced out of my name into a new loan in just his name ) on XX/XX/19. XXXX XXXX will not report this loan as being paid off/closed. XXXX XXXX continues to report it as an open account on both of our credit reports that is being paid as expected. I have sent 4 credit  disputes through Transunion with the latest being XX/XX/XXXX. Each dispute comes back as being reported correctly. I have the satisfaction of mortgage proving this was paid off but, XXXX XXXX insists on reporting it incorrectly. I have called XXXX XXXX 3 times and have filed disputes with their own credit department to no avail. PLEASE HELP. THIS IS RIDICULOUS
Consumer complaint received 2022-10-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bepensa Capital, Inc. (GA)

I have contacted your department about the fraudulent accounts that are being reported on my credit. I believe this started in XXXX XXXX time period. I discovered it around XXXX when I had to dispute items the first time, and now it is happening again on my credit report. I have had identity theft Report filed with a DC # XXXX around XX/XX/XXXX due to a break in of my property. Also, I have not supplied proof under doctrine of estoppel by silence. Engelhardt v. Gravens ( MO ) 281 SW 715, 719. I Presume that no proof of the alleged debt, nor therefore exists under my identity
Consumer complaint received 2023-08-16
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. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (GA)

This account was settled in full on XX/XX/2021, the confirmation number is XXXX, this was done with XXXX XXXX. On XX/XX/2021 Fortiva reported derogatory status with a balance still showing. On XX/XX/XXXX, I contacted XXXX XXXX and informed him of this information and requested a XXXX balance letter which he forwarded to me that day.
Consumer complaint received 2020-05-19
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. (CA)

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff or ( 180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have been faithfully paying on this account every month for years to XXXX. I was not aware that this account was reporting derogatory information until I recently obtained a copy of my credit report. I was never notified by XXXX that this account had been sold to another lender. It is clear that the new company who purchased this student loan debt was not applying the payments I was making monthly to XXXX. I have attached a copy of my statements showing my timely monthly payments. Consequently, because my monthly payments were not being applied correctly, this has caused the derogatory reporting on my credit report. I have contacted XXXX along with the bureaus to remove the collection/chargeoff and lates however, I have not been successful. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

XXXX/XXXX XXXX XXXX and Experian are in violation of FCRA 623 ( a ) ( 6 ) ( B ) which states " If a consumer submits an identity theft  report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency ''. As of XX/XX/2020 this trade line still appears on my Experian credit report when I have on multiple occasions disputed this trade line as being opened without my knowledge or consent. I sent the attached letter to XXXX XXXX XXXX at the address specified by a XXXX XXXX/XXXX XXXX XXXX   representative on XX/XX/2020 at XXXX XXXX to reiterate this along with the attached FTC affidavit via certified mail. Also attached is certified mail tracking information which shows the letter was received on XX/XX/2020 at XXXX XXXX. I subsequently called Total Card/Bank of Missouri on XX/XX/2020 to verify receipt which the representative confirmed. Per my rights under the FCRA I am considering the possibility of litigating this matter if not properly resolved. A XXXX search of XXXX complaints for XXXX XXXX shows I am not the only person that has experienced extreme difficulties in XXXX XXXX/XXXX XXXX XXXX and their credit reporting practices and this seems to be a pattern and part of a strategy to purposely report incorrect information to the credit bureaus.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

On approximately XXXX EST, XX/XX/2020, I accessed Equifax 's My Equifax portal at https : //my.equifax.com/membercenter/ # /login to unfreeze my credit report. Upon logging in, filling out the form to unfreeze my credit report, and submitting the form, I was directed to a page stating that my request was unable to be completed, and to give them a call. 
I gave Equifax a call on the provided number, and used the automated self-service respondent to attempt a credit unfreeze. Upon completing all of the requests and providing all the necessary data, the self-service tool informed me that it too was unable to process my request to unfreeze my credit report, and directed me back to the website.
Consumer complaint received 2023-08-16
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. (WI)

In 2018 I was a victim of identity theft. I never opened the XXXX XXXX XXXXXXXX card listed on my credit reports I am not requesting a fraud alert be placed on any of my reports.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

On XXXX XXXX, 2020 FIDELITY CREDITORS SVC add a derogatory mark on my credit report per XXXX, XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ( Collection agency name ) has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX AND XXXX is reporting a negative remark on my credit report that is a result of identity theft. I have sent paperwork numerous times to Equifax claiming identity theft.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (TX)

Good morning, I contacted XXXX XXXX to dispute the accuracy of the information contained in my credit report provided by XXXX, pursuant to my rights under the FCRA, specifically 15 USC 1681. I discovered that certain information has been reported without my written consent to furnish or provide the information in question. The letters I have enclosed are my second request.
Consumer complaint received 2020-05-19
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2022-01-08
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. (VA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX Acct # XXXX {$310.00} XXXX-XXXX   XXXX XXXXAcct # # # # # # # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXXAcct # : XXXX r XXXX XXXX XXXX Acct XXXX : XXXX {$680.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX {$1100.00} XXXX XXXX # : XXXX {$630.00} XXXX XXXX XXXX # : XXXX XXXX XXXX   XXXX was not included in bankruptcy, XXXX gave me the house free in clear as a result of a class action lawsuit and was supposed to remove this account from all 3 credit reports.

I have sent the 1st notice out regular mail on XX/XX/2019, when I did not receive a response I then sent a second response certified mail on XX/XX/2019, and still didnt get a response back for these companies to VALIDATE these debts.
Consumer complaint received 2023-03-23
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. (NJ)

Experian continues to keep an address that is not and has never been mine on my credit report. I have attempted to dispute starting in XX/XX/XXXX and again via mail on XX/XX/XXXX, and after seeing it still not removed ( SINCE ITS NOT MY ADDRESS AND NEVER HAS BEEN ), i have attempted to use their online portal no less than 6 times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) REMOVE THE XXXX ADDRESS ALREADY!!! ENCLOSED IS DOCUMENTS I'VE ALREADY PROVIDED TO YOU AS PROOF OF ADDRESS MULTIPLE TIMES ALREADY
Consumer complaint received 2019-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Windy City Capital Management, LLC (AZ)

I received a letter from the FDIC to follow up with you. I left a message with XXXX XXXX at FDIC regarding help with getting positive credit report updates. 
I think XXXX ( a manager at XXXX XXXX ) may have called me on on around XX/XX/19 regarding a settlement for around {$340.00}. 
On XX/XX/19, XXXX XXXX ( not sure of spelling ), helped me set up a settlement payment arrangement for {$25.00} on XX/XX/19 and the rest of it to come out ... possibly XXXX on XX/XX/19. 
I believe I contacted Windy City Capital on XX/XX/19. They may work with XXXX XXXX, but did not have my account information. Therefore, they would not be able to update my XXXX status to paid on my credit report. 
Again, I am waiting to call back XXXX after today to see if they are willing to forgive this debt and just leave my XXXX   status as charged off if they are unable to update it to paid.
Consumer complaint received 2019-10-30
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. (UT)

XXXX XXXX XXXX # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I  should not have. I had paid this over the phone and was under the impression the payments went through, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.