davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Responding to XXXX XXXX XXXX saying that they didn't need my signature. Well I just got off the phone with the Federal Trade Commission and Attorney General 's Office about this matter. That XXXX XXXX XXXX ( XXXX ) who just sent me attachment of itemize bill statement. They stated that doesn't was not the truth that is why they said this month. FTC, State and Federal Law Enforcement Partners Announce Nationwide Crackdown on Phantom and Abusive Debt Collection Companies. Told me to keep them inform. They said according to the following : 1 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to verify, through the phyiscal verification of the original signed consumer contract- any accounts you post on a credit report. Otherwise, anyone paying to the CRA could fax, mail or email in a fraudulent account. ( So, they said your reply was not truth you are in non-compliance ). 
This was stated to me by a FTC lawyer that if you continue in non-compliance to remind you of as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. Nov. 14, 1995 ). 
2 ) According to pursant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that claim is disputed and validation is requested. You must provide the following : 1 ) What the money you say I owe is for ; 2 ) Explain and show me how you calculated what you say I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; competent evidence bearing mysignature 4 ) Provide a verification or copy of any judgment if applicable ; 5 ) Identify the original creditor ; 6 ) Prove the Statute of Limitations has not expired on this account 7 ) Show me that you are licensed to collect in my state 8 ) Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, Experian or XXXX ) this action might constitute fraud under both  Federal and State Laws. 
ALL NOTE THAT ACCORDING : As per FTC letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verifcation to pay the alleged amount. 
I am also attaching a letter that I am sending by cerified mail to you guys. I am maintain a careful record of all my communications for the purpose of seeking damage.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

Employee claiming to be XXXX with XXXX ID XXXX refused to put a supervisor on the phone. My rewards points were not applied accurately to my account. Also, my credit card was blocked and Synchrony Bank would not verify my account with me or unblock my account - I had made several restaurant purchases because I had XXXX AND this card is supposed to give me 3 % cash back on dining and 5 % on gas station purchases. The lady said that I have to wait for them to send a letter to verify my account or send a video of myself. Sending a video of myself is a privacy issue, especially since she can not provide assurance as to how a video would be stored or actually used.
Consumer complaint received 2019-11-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ONLINE Information Services, Inc. (GA)

Debt collector online information services address XXXX XXXX XXXX XXXX XXXX  XXXX, NC zip code XXXX. phone number XXXX open account XX/XX/2018 amount {$1500.00} very aggressive over the phone rude threating
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc. (NC)

My case for X/X/2010 should not even be on my record at all anymore for anybody to see. I was told in court that it would be gone and nobody would be able to see it anymore and XXXX XXXX was also pulled up on my background check and should not even be on there. This is causing me not to be able to get my job and it should n't be on there.
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (MO)

I have a past due charge off with XXXX XXXX that is listed on my credit report as 'closed with balance '. My attorney and I agreed on a repayment plan on XX/XX/XXXX that I would pay back loan as long as it would not negatively impact my credit. This account was placed on my report and in fact did negatively impact my credit. Also, XXXX XXXX is continuing to negatively impact my credit score and report by creating inquiries on my report. This last inquiry was made on XX/XX/XXXX even though the account has been charged off.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 


Heres the list of the questionable items : XXXX XXXX XXXX XXXX - Account Number:XXXX Please remove it from my public record XXXX XXXX - Account Number:XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment.
Consumer complaint received 2023-01-09
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance Owed : {$740.00}
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2021, the attached dispute was sent to XXXX. USPS receipts indicate the dispute was delivered on XX/XX/2021. To date, no response has been received from XXXX. Despite this, the public record in question remains on my 3 major credit reports and XXXX report. I have attempted to dispute the record in question with the credit reporting agencies ( XXXX, Experian, and XXXX ), however they have stated in writing on several occasions that they were able to verify the record despite my XXXX report being frozen at the time. This would also mean XXXX continues to provide my information despite the freeze existing which supposedly legally bars them from doing so.
Consumer complaint received 2021-06-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-11-05
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX is giving credit bureaus different information about me defamation of character showing wrong information about me ... 

XXXX  and XXXX not letting me look at my credit BEEN a victim of ID Theft capital one not paying for their mistakes i have letters and asked for a fix
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 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 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

I called Experian Credit Reporting on Monday, XX/XX/2020 because I applied for a loan and was told that Experian Credit Reporting shows I do not have any credit. After speaking to 3 different people I was told that there was an " internal issue '' on their part related to a split file. I was told that it would take 4 to 5 business days to have my credit corrected/restored. 

I called Experian again on Friday, XX/XX/XXXX and was told that my file still hadn't been correct/restored. They said it was only 4 days so I should check back next week. 

Today, Tuesday, XX/XX/XXXX I checked online and saw that they still had not corrected/restored my report. I called for that first time at XXXX XXXX. I was placed on hold and then hung up on after 15 minutes. I called again and asked for a supervisor. I was transferred to another person ( not a supervisor ) and once again placed on hold and hung up on again. I called back again and asked for a supervisor, it's been 1 1/2 hours since my original call and I am on hold again.

I was told that their " Dispute Department '' is the one handling my file. When I asked to speak to them directly I was told they don't have telephones. 

I understand that we are all operating differently due to COVID-19 but this is totally unacceptable. All I want is an answer as to when my credit report will be corrected/restored.
Consumer complaint received 2021-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

CREDIT COLLECTION SERVICES LOCATED AT : XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$370.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Harvard Collections, LLC (DC)

Harvard Collection Services LLC came unto my credit report. Never received a validation letter. Company is fraud and I called the originator and they do not show me owing anything. XXXX  has had over 95 complaints. 

46 Complaints Show Sort By Complaint Type : Billing/Collection Issues Status : Answered XX/XX/2020 I went to check my credit report and theres an account from Harvard Collection Services. I never received any notice from them and have never heard of them. I have really good credit because I pay my bills on time. Well, I had really good credit. That account that was reported to the credit bureau dropped my credit score by 60 points. I have no idea what this business is and never heard anything about or received anything from them. Im requesting they remove this account from all credit reporting agencies. 
Response XX/XX/2020 Re : Case # ******** ***, XXXX We appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services. 

Upon investigation we found that account at issue was assigned to our office by our client on XX/XX/2020 in the name of XXXX, XXXX. Our records do not indicate any prior contact with the consumer. 

Upon receipt of the complaint the account has been submitted for credit deletion and the collection activity has been ceased. Additionally, we have requested the itemized bill from the client. Once received we will send it to consumers mailing address for validation of the debt. 

If we can be of further assistance, please feel free to contact us at # # # - # # # - # # # #. 

Sincerely, Harvard Collections Services
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Since XXXX I have sent multiple requests via email to XXXX and via mail to TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX regading fraudulent reporting of my name. 

They still will not update this erroneous information. 

On XX/XX/XXXX at XXXX I called Transunion at XXXX & spoke to XXXX who advised that she could not update my personal information to remove fraudulent info because the system was down
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (TN)

I am filing a complaint about my experience in the XXXX, TN Wells Fargo bank today. I am also filing a complaint against the bank for closing my account due to me having an ethnic XXXX name. There is nothing wrong with my identity and I provided the bank with plenty of documentation. When I went to the bank to discuss this I was made to feel unwelcome and was rushed out. No options were given to me. No help was offered. The banker was rude. His name is XXXX XXXX. The bank manager was engaged yet he did not check on me to make sure I was ok or that my issue was resolved. His name is XXXX XXXX. My experience at the branch today told me all I need to know about this organization. Fortunately I have great banking relationships with XXXX XXXX XXXX and XXXX. They will take care of all of my business needs. Also the letter I received from the bank said I had 20 days to respond. It was dated XX/XX/2021. Yet my account is closed prior to that. Regardless it is ridiculous that this happened. I am very careful not to claim racial discrimination unjustly, but I feel very strongly that this is exactly what is happening. I have had issues with being treated this way due to my name in the past, but my experience in the bank today enforced that this organization should be reported. I also spent money on checks and bank deposit slips. I asked to be refunded and was told No by XXXX XXXX. I am willing to recount my entire experience down to him rushing me out of his office.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).
Consumer complaint received 2018-09-25
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. (HI)

I made a loan with XXXX  XXXX XXXX that was charged off in 2017. I called the XXXX XXXX to pay off the loan and found out the loan had been sold to XXXX XXXX. I called XXXX XXXX to settle the account for {$7200.00}. 
I paid them {$100.00} on XX/XX/2017 and {$7100.00}. Experian, XXXX and XXXX still wont show on my credit bureau that it was paid off. When I sent in my request to have it removed the Experian said they contacted XXXX XXXX XXXX and they said " the chargeoff was correct ''. My response is there was a chargeoff but I paid off the chargeoff even though it was sold by XXXX XXXX XXXX to XXXX XXXX. XXXX paidoff The XXXX XXXX and I in return paidoff XXXX XXXX. 
My credit bureau should read that the chargeoff was settled and paid off! 
If you have any questions or need proof of payment I can email proof of payments! 
Thank you, XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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.