davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-25
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: ENCORE CAPITAL GROUP INC. (PA)

XXXX XXXX  never responded to my dispute from several letters mailout back in XX/XX/XXXX and XX/XX/XXXX and place the account in collections and I disputed it then and never got no response from XXXX XXXX  all ways the run around some one going to call back. I call XXXX XXXX over 45 times and got no response from them what so ever. I updated my mailing address at the post office with no response from XXXX XXXX  and the post office can verfify change of address.I have/ had a right to dispute XXXX XXXX XXXX and I'm in the process of hiring an attorney regarding the situation by XXXX XXXX
Consumer complaint received 2020-05-01
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. (AL)

Experian continues to report fraud opened accounts on my credit report. The accounts for XXXX XXXX, Division of Child Support,   XXXX, and XXXX XXXX. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report. I did not open these accounts and have not received anything form these companies.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I sent the credit reporting agencies XXXX and Experian, the police reports, documents from the courts, alone with a fully executed fraud package document and all the other documentation required to block an account that doesn't belong to me. The account Is XXXX XXXX XXXX XXXX. Instead of removing or blocking the account, it was put in dispute status. By law this trade line was suppose to be off the credit file within 48 hours of receipt of the documents submitted.
Consumer complaint received 2022-09-12
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. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

CMRE Financial Services Inc. is continues to report on an account that was already paid off thru XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, and XXXX XXXX. This account has been paid through their healthcare clearinghouse ( a third party payment processor ). This company appears on my credit report as an active account in collections. I have no idea who they are and why they are on my CR. Due to me being a recent victim fraud several months ago I notice inaccurate things showing on my credit report, CMRE Financial Services Inc. is certainly one of them. I demand that it be removed.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED A BANKRUPTCY ON MY CREDIT FILE WHICH I HAD NEW KNOWLEDGE OFF. THIS ACCOUNT WAS NOT AUTHORIZED BY ME AND I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER. THIS BANKRUPTCY HAS BEEN REPORTING INACCURATELY ON MY CREDIT FILE AND I AM DISTRESSED BECAUSE I HAVE NO IDEA HOW LONG IT HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FILE. I AM REQUESTING IMMEDIATE REMOVAL OF THIS BANKRUPTCY ACCOUNT.
Consumer complaint received 2022-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (GA)

This company harassment me repeatedly for a debt I didnt owe and violated my rights. I didnt give them permission or authorization to share my personal information and the debt was paid for and they charged me in error. I was closing on my home and they made me pay on a debt I told them I didnt owe and because I didnt know the law I didnt know my consumer rights at the time. I have proof the violated my rights on the invoices they mailed and the multiple calls I received at inappropriate times.
Consumer complaint received 2022-09-12
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. (CA)

Someone has stolen my identity and placed 10 hard inquiries on my credit report. The credit bureau will not remove them. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
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. (AZ)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Unverified Inquiry XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 2. Unverified Inquiry XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. Unverified Inquiry XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 4. Unverified Inquiry XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. Unverified Inquiry XXXX XXXX XXXX of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. US DEPT ED Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 11. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX, CO XXXX
Consumer complaint received 2018-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Management, Inc (AR)

i was going to a XXXX, that was located in XXXX in XXXX, Ar. and they were using my XXXX insurance i paid the estimated out of pocket the first date i had the treatment. couple months later, this branch had closed i didn't need anymore treatment. 
i had to move to another location because i had some plumbing problems at my house. so i had to move out temporary to my sister in law house. and i forwarded all my mail to the new address in XXXX since i left which was in XX/XX/2017. in XX/XX/2017. i saw a collection on my from professional XXXX XXXX that was oppened. i called them the same day and i told them that i was never notified of this and that i have money on my health spending account. and i don ;  t understand why they didn't contact me or send me a letter informing so i can make the payment. 
they advised that if i make a full payment of the XXXX dollars. they will remove it. i paid on the phone right away. 
they never removed the collections from my 3 credit bureaus. i disputed the collection with each of the credit bureau. it was removed from XXXX, and XXXX. but they don't want to remove it from XXXX. i have never owed a bill to anyone and i paid religiously all my bills i disputed this collection with transunion multiple times. and they keep telling me that creditor said that it's accurate. 

i'm reaching out to you guys to please help me remove this from my credit score. i always paid all my bills i'm never late. i'm a young person working hard to finish my degree and success in life. this is not fair. these credit companies are treating humans like insects we all deserve to be respected and this people are extremely rude and not helpful at all. they hang up the phone on me everytime i try to call them to correct their mistake.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX  XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX Date of Inquiry XX/XX/2022
Consumer complaint received 2021-07-15
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: ENOVA INTERNATIONAL, INC. (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This account was opened without my knowledge. I have already notified the company that this wasn't my account yet it still remains on my credit report. XXXX XXXX XXXX XXXXXXXX account # XXXX. I have a court order declaring me a victim of identity theft. I also have a letter from the District Attorneys office that states that someone is using my identity She got pulled over and gave my ID while I was 2000 miles away. Please delete this account immediately from my credit report. Equifax has chosen to repeatedly ignore my Court order declaring me a victim of identity theft and have left these fraudulent Accounts on my credit.
Consumer complaint received 2020-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS LISTED ARE ACCOUNTS THAT SOMEONE ELSE OPEN IN MY NAME THEY USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OBTAIN FRAUDULENT ACCOUNTS THESE ARE NOT MY DEBT OR MY ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-01
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: SYNCHRONY FINANCIAL (GA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-04-22
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: STATE FARM BANK, FSB (IL)

State Farm Bank did an unauthorized hard inquiry on my credit report. I called State Farm Bank and made them aware on their mistake. The hard inquiry is still on my credit report.
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIRST MERCHANTS CORPORATION (IN)

XX/XX/2022 I was selling a telescope on XXXX XXXX. XXXX XXXX messaged me and said he would buy if I would ship and pay using XXXX. I never heard of XXXX, so I told him I would have to check if my bank offered it. My banks XXXX page says " First Merchants has partnered with XXXX to bring you fast, safe and easy way to send money to family and friends, even if they aren't a First Merchants Bank customer. They only need to have a XXXX, XXXX  account. '' Instructions said to logon with my phone app and select the " + '' a bottom of page to setup XXXX. There were no warnings or fine print that I needed to agree to. I assumed if the other person had a XXXX XXXX  account. they had to be a confirmed customer. XXXX said he was sending me {$1100.00}, but I then received a spoofed email from XXXX say I needed to upgrade to a business account with {$1500.00}. XXXX said he would send {$1500.00} if I would send {$400.00} back. In the process I sent {$400.00}, but never received the {$1500.00}. While waiting for my {$1500.00}, I researched online and found out I had been scammed. I contacted my bank within 10 hours and told them of the scam. Thay said I could not dispute it until it cleared. The next day it cleared and I disputed it and the bank said it would take 10 days. After they investigated it, they denied my claim saying it was my error and they are not responsible. I have emailed customer service back and forth, but they refuse to refund my {$400.00} even though it was fraud. They could have stop it while in process, even not Regulation E should cover such a fraud.
Consumer complaint received 2021-04-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (GA)

I traded in a vehicle to my local dealership this week. The original loan I used with this vehicle was through Santander. A year after I owned this vehicle I refinanced the loan through another lender due to high interest rates Santander provided. When going through the paperwork to trade in my 2013 XXXX XXXX, the dealer looked up lien information for the vehicle. Turns out Santander never sent a lien release to the state of Georgia for the original loan. So when the dealer looked up lien information it shows multiple liens on this vehicle. They are holding my vehicles title status hostage. When contacting Santander Title Department to get this situation rectified, the customer service representative I originally talked to was extremely rude and condescending. She even said she would not help us or provide information. I need this rectified, the dealership is in limbo and I may be out a trade.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of Identity Theft and Inaccurate information reported by TransUnion. After reviewing my credit reports with TransUnion. I noticed a Fraudulent account that are being reporting duplicate accounts by the same data furnisher XXXX XXXX {$1100.00} and account {$12000.00}. XXXX XXXX 2 different accounts {$23000.00}. This is inaccurate information due to duplicate reporting. This in issue of material fact. There is no doubt that evidence is sufficient and is a genuine is of material fact must be resolved against TransUnion. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX XXXX. Please remove these items. Congress enacted the FCRA to protect consumer ensuring fair and accurate credit Reporting 15 U.S.C 168 ( a ) ( 1 ). Entities that report {$44.00} information about consumers to credit reporting agencies are called Data furnishers from reporting inaccurate information to CRAs 15 U.S.C 1681s-2 ( a ) -1681s-2 ( XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX