davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-06
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. (AR)

I received a computer generated and generic reply to my compliant on XXXX that my account was correct and accurate per their investigation. I sent out an second letter on XXXX asking for proof of their investigation and whom they verified the bankruptcy with. I also requested their method of verification and validation of the bankruptcy, Example a copy of the Bankruptcy Petition for each bankruptcy case listed on my credit report for both Transunion and XXXX. 

Again I sent a copy of my XXXX file showing where they removed the incorrect filing of the bankruptcies do to inaccuracies and inability to verify as accurate on that report and I don't see how the 3 bureaus can show three different information. SAME AS I DID WITH MY FIRST COMPLIANT. I restated that these accounts are listed incorrectly and differently on each credit file, with invalid Court names and must be removed for inaccuracies. 

I did not provide my permission for these accounts to show on my credit file pursuant to section 603 you need to remove it immediately! 

as of this Date XXXX, I have not received a response, proof of investigation or who verified the bankruptcy, and nothing stating or shows on my credit file that these accounts are currently in depute or under investigation.
Consumer complaint received 2020-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have recently filed a legitimate dispute on XXXX XXXX on the removal of an old account that was settled. There was an authentication dispute that was never properly answered with proper documentation. XXXX XXXX is still posting the account as an {$380.00} collection balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. XXXX XXXX XXXX
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the XXXX ( XXXXXXXX XXXX XXXX ) XXXX Balance {$520.00} still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-01-21
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. (TX)

This is the 2nd time I am filing an Identity theft Police Report. The first time was in XX/XX/XXXX, but I lost the report since it was a little while ago. At the time, I filed the report with an officer over the phone. Also, the accounts I am listing in this report had not appeared in my credit file at the time of my previous report. These accounts were just recently reported. There are a total of 3 accounts which includes 2 collections accounts and also 1 Inquiry. I have never authorized anyone to use my name or  personal information and I have never received any money, goods or services from any of these companies listed below. They are a result of Identity Theft. 
Account : Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Collections : Name : XXXX XXXX XXXX Account Number : XXXXXXXX Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX Account Number : XXXXXXXX Date Opened : XX/XX/XXXX Name : XXXX  Inquiry Date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-11-11
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-05-04
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. (IL)

2. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/20, I went to the Bank of America ATM to withdraw money from my XXXX card, and the card does not get returned back to me. I call the XXXX number to request a new card be mailed to me but it disconnects. The line will not put me and hold and hangs up. Have tried numerous times since XX/XX/20 and I am unable to get a hold of someone I can speak to. Unable to do this online or through their chat.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (AZ)

We went into the Ashley Home Furniture store in XXXX XXXX XXXX Arizona and was asked if we would like to see if we qualify for financing of the mattress that we had selected, and that it would only be a soft inquiry into our credit to see if we qualify, and then after, decide if we wished to proceed. We agreed for her to run our credit to see how much financing was available to us.The store associate ( XXXX XXXX entered our information into her system and said we were approved for {$1100.00}, to which we declined, and withdrew the application verbally, and clearly expressed that financing only a fraction of the mattress price was not the best option for us.. She explained she needed our signature as authorization to run our credit. She asked us only if we would like to " see '' what financing options were available to us. Nothing involved opening a credit line. Either way, we declined the offer that was advertised to us as a soft inquiry to check available options. We checked our credit and a hard inquiry is marked on our credit reports. There are now store credit card accounts opened in each of our names. I called XXXX Bank who provides the financing and spoke to a manager ( XXXX XXXX and he flat out said that the applications put in at the furniture store are submitted to qualify us to see if we are eligible for credit and then they just go ahead and start opening accounts. The store associate XXXX said that she was giving us the option of financing a purchase of the MATTRESS. Not signing us up for a store credit card after the mattress was agreed to be paid for with cash in full. Closing this line of credit will adversely affect our credit. Should we apply for a home mortgage, since the house we rent is being sold, and have to move, a derogatory comment could show on our credit excessive number of accounts open. This is why we clearly expressed to the store associate that it was not the best option for us and proceeded with declining the credit that was only offered to us verbatum as a soft inquiry to see if we wanted to go that route.
Consumer complaint received 2021-05-04
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. (NJ)

I look over my credit report Experian its reporting closed account for XXXX account XXXX is reporting open account, I know both could not be right I sent both of the companies a letter for Disputes they both sent back saying they are Accurate, I read under the Fair credit reporting Act theses Agencies must report 100 % accuracy On your credit report They are not in compliance to the federal law Now I am asking for deletion of my credit report profile
Consumer complaint received 2021-11-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Financial Services (AL)

My car was repossessed Monday XX/XX/21 I contacted confin/Consumer financial located in XXXX, Florida to see why was my car repossessed they stated that the only payment that they received from me was the down payment which is false I got my car in XXXX I paid my car note for XXXX, XXXX, and XXXX & XXXX only payment I didnt was XXXX {$250.00} each month I pay my car note threw XXXX XXXX so I contacted XXXX  to see if they could look at the payments & send it to my email they stated that it would take up to 21 days but consumer financial is stating that I only have 10 days
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (CA)

Received court summons on XX/XX/ without prior notice and proof of claim, requesting that the office provide me with competent evidence that I have any legal obligation to pay. 
Request VALIDATION pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (DE)

I have over the years of qualified payments proven for student loan forgiveness. They are displaying inaccurate information on my Mohela account. Customer service has escalated my case multiple times over the past year without any response from Supervisors or the Advanced department. I am also in a Forbearance until rectified but they simultaneously have me in debt collection saying I missed payments when I have proof of being in Forbearance. I have over XXXX years of Non profit work as an XXXX XXXX XXXX XXXX XXXX areas. Everyone around me with the same situation and years have been forgiven and I am still not. This company has continued to drop the ball and I may need to seek legal support after dealing with this for a year.
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CO)

On XX/XX/XXXX, I received a letter of Debt Collections in the mail from XXXX XXXX XXXX XXXX requesting a debt of {$380.00} that is now in collections from a fraudulent account with PayPal that was created in XX/XX/XXXX. My legitimate PayPal account has a {$0.00} balance and I had no knowledge of any negative balance or debt owed. I called PayPal on XX/XX/XXXX to report this as fraud and my case is active at the moment. During this call, I learned that the fraudster used my SSN and name to generate an account under an email that does not belong to me. PayPal did not send me any written, telephone, or electronic correspondence to me regarding this account creation, transactions, or debt owed when they had my information on file already from my legitimate account. They failed to protect me as a consumer and exercised gross negligence in preventing fraudulent activity on their platform, evidenced by my case and the countless postings online of the same nature. My time, financial wellbeing, and credit worthiness all have had an impact by PayPal failing to notify me of any new creation of an account or debt owed, and reporting fraudulent activity to a debt collector. I am demanding that PayPal never open any accounts using my SSN or other personal information and that this fraudulent debt be resolved.
Consumer complaint received 2021-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (AL)

I wrote Amsher Collection company on XX/XX/2021 asking them to validate this XXXXl debt. I let them know that under FDCPA, I have a right to request validation of debt that they say that I owe them. It was a breach of security because I do not have any contractual obligations which is binding me to pay this debt. I ask them to delete this from my credit profile and they have not.
Consumer complaint received 2017-12-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Services Collections, Inc (TX)

I sent Account Services Collections an letter on XX/XX/2017 about several ( 5 ) medical debts from the same collector that showed up on my credit report. On that letter I requested that they validate the alleged medical debts due to me being unaware of any outstanding medical bills that my medical insurance covered. In that I also asked that they provide the breakdown of fees including any collection costs and medical charges. I also asked that they please show me a copy of signature of mine with the provider of services to release my medical information as proof. In that letter they said that I was was informed in which I never received such letter. After receiving this letter I mailed directly to XXXX, XXXX XXXX, XXXX and provided them with a copy of my Id and Social. So that information is also not correct. Again as I have prior stated this bill is fraud and due to Identity theft. As I stated prior I have sent the information with my id to them on more than one time.
Consumer complaint received 2017-12-18
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. (FL)

I have begun disputing my credit report with the agency of Experian since XXXX XXXX, XXXX. I have sent over a dozen certified letters of the inaccuracy of the items listed on my credit report. Each time that I have sent my disputes, I was sent a notice back stating they are missing verification of self ( ID, proof of new address, recent utility bill and dispute request ), I sent in all the requested information and provided them with 15 more additional days to complete the investigation, Experian stated the information was verified but have failed to show me how the information was verified. I 've sent notices on XXXX/XXXX/XXXX with tracking number XXXX on XXXX XXXX, XXXX, tracking number XXXX also on XXXX XXXX, XXXX with tracking number XXXX also on XXXX XXXX, XXXX, with tracking number XXXX which was signed by XXXX XXXX XXXX on XXXX XXXX, XXXX. My final notice on XXXX XXXX, XXXX, included all my previous request on fixing my credit report accuracies as well as verify the information listed and intent to file a complaint or lawsuit if the information was not fixed. I received a letter back stating they will not re-investigate my issue. The mass majority of the information that was reported since the start of the investigation has been deleted but continue to report negatively on my credit causing me harm and not being able to approve for certain loans.I have also requested for assistance regarding their recent security breach and have received a report that my social security number has been impacted but Experian is not trying to resolve this and help my credit information stay safe and reflect correct information! Please look into this matter and investigate this company.
Consumer complaint received 2021-11-11
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: Resurgent Capital Services L.P. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you. 

LVNV FUNDING LLC XXXX Balance {$380.00}
Consumer complaint received 2020-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I purchased a brand new home in XX/XX/1996. I made a {$20000.00} down payment mortgage balance was {$72000.00}. The loan has been transferd from XXXX, XXXX XXXX, XXXX, Ditech, NewRez, Shellpoint. 
XXXX forced me into Making Homes Affordable when the XXXX  Oil Spill hit. I lost my {$80000.00} job and was only 2 months behind. When I tried to call in my 3 months worth of payments they would not accept the money. I have no idea how much money was added to the principal including interest during this time period ... because no one can produce it. Then when I recovered I stared making additional principal payments to Ditech ... XXXXthey really socked it to me by putting the payments in an " UNAPPLIED BALANCE '' account in the amount of {$13000.00} +. After 1 year of telephone calls to Ditech to correct their mistake they file bankruptcy. Now NewRez says they can't correct previous service providers mistakes and I still owe another 40 years worth of payments at $ XXXX. 
I have been dealing with this for 15 years ... the house should be paid off by now. I will be XXXX in XXXX, no one will correct this mistake. PLEASE HELP!
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

a copy of the credit report showing the past due balance of {$25000.00} to Regional Acceptance Corp. Their phone # is ( XXXX ) XXXX. After a XXXX XXXX was filed in 2014. Why is it showing on my credit report past due? Car was returned.
Consumer complaint received 2022-04-27
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. (NC)

This is a formal complaint regarding these items that have been violating my consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, 164. A consumer reporting agency can not furnish account without my written permission under 15 USC 1681 section 604 A Section 2.

The list of accounts below has violated these rights. 
XXXX XXXX ( Only reported to Transunion XXXX, XXXX XXXX  XXXX XXXX ( Only reported to Transunion & XXXX ), XXXX XXXX XXXXXXXX ( Only reported to Transunion & XXXX XXXX, XXXX XXXX XXXX, ( Only reported to Transunion & XXXX ) XXXX XXXX XXXX ( Only reported to Transunion & XXXX ), XXXX RE XXXX, XXXX XXXX, XXXX XXXX ( Only reported to Transunion & XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Only reported to Transunion & XXXX )
Consumer complaint received 2021-01-29
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: EQUIFAX, INC. (DE)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2023-01-09
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. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I tried to lease a vehicle at my local XXXX dealership. Upon running my credit, they submitted my information to at least 6 loan companies. I had specifically told them i wanted to try only with XXXX financing. Now i have multiple inquiries which has made it difficult for me to acquire new credit due to the high number of inquiries.