davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
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: ENCORE CAPITAL GROUP INC. (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-28
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. (CA)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under EXPERIAN DEPT OF EDUCATIONXXXX 90 days late DEPT OF EDUCATIONXXXX 90 days late You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT :
Consumer complaint received 2020-11-24
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: EQUIFAX, INC. (NC)

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am rewriting to express my dissatisfaction with the inaccurate information present on my credit file reported by TRANSUNION. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXX XXXX PL, XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with XXXX XXXX XXXX Section XXXX, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures. I have also attached the FTC report to support this compliant with the FTC report number XXXX for your reference.
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (AL)

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX -- .Account number XXXX of {$4100.00}. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2021-06-02
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. (NC)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2018-03-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (TX)

I have requested verification and validation per my right under the FDCPA section 809 a and b. This company refuses to provide. This is not my debt and I demand proof of this debt. This company has also continued to report a disputed debt on my credit report. Last four of my ssn are XXXX and date of birth XX/XX/1988. Please submit proof that this is my debt
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX is an on-line bill payment service operated by Quicken Loans and provided by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. ( XXXX ) a unit of Fidelity National Information Services. 

XXXX is in violation of 15 U.S. Code 45 and other federal and state consumer protection laws. 

( a ) Declaration of unlawfulness ; power to prohibit unfair practices ; inapplicability to foreign trade ( 1 ) Unfair methods of competition in or affecting commerce, and unfair or deceptive acts or practices in or affecting commerce, are hereby declared unlawful. 

XXXX is engaging in a deceptive, ongoing, widespread, and systematic attempt to defraud consumers, via automatic checking account withdrawal, for monthly fees for unused services which have been previously cancelled. 

XXXX creates a costly and unreasonable administrative burden on the consumer to cancel a bill-pay subscription and unconscionably and unfairly relies on the extraordinarily high cost of compliance with their cancellation policy in relation to the correspondingly small amount of their monthly fee to effectively bar subscribers from cancelling their subscription. 

Between XX/XX/XXXXand XX/XX/XXXX ( 12 years ) I was charged {$10.00} per month ( as much as {$1500.00} ) for an on-line bill pay subscription I did not use, and for which I still seem to be unable to cancel. 

I had a XXXX account since the year XX/XX/XXXX. XXXX, through XXXX, charges XXXX per month which is deducted from my checking account for bill paying service. I have not used the service, other than to pay an ACH deduction to XXXX for fees, since approximately XXXX ( and probably before then ). I  have attempted to cancel my account multiple times since. I am still getting charges deducted from my bank account for this service. The last attempt to cancel the service occurred on XX/XX/XXXX I have an email from XXXX support stating that they would deactivate the account. Subsequently, on XX/XX/XXXX I  received an email stating that they are going to debit my checking account for a service fee on XX/XX/XXXX. Multiple calls to the offshore customer service center ( XXXX ) did not resolve the problem. This has been an ongoing issue for years due to the relatively small amount of the monthly service fee vs the time and money it cost to fully resolve. 

XXXX XXXX XXXX XXXX, through its subsidiary, XXXX XXXX, provided financial technology services, software and financial services regulatory advice and consulting to its customers, consisting primarily of small to large sized financial institutions. The {$1.00} XXXX organization was headquartered in XXXX, Wisconsin, and employed over XXXX employees in 35 U.S. cities. On XX/XX/XXXX,  XXXX was acquired by Fidelity National Information Services.
Consumer complaint received 2021-06-02
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: ONLINE Information Services, Inc. (NC)

I want the XXXX XXXX XXXX online collections XXXX account removed from my credit report. I have disputed this account that doesn't belong to me and they still continue to report without sending me and signed contract or proof that this debt is mine. I have never signed a contract with XXXX XXXX  or online collections. I am not responsible for this account and want it removed immediately from XXXX  and XXXX. XXXX  is the only bureau that properly investigated and did remove from my account with them.
Consumer complaint received 2021-05-27
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. (TX)

XXXX, Experian, and XXXX  has continuously and falsely verified this alleged account. Experian, XXXX  and XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector ( synerprise ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Consumer complaint received 2020-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2020-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE ()

I am not live in XXXX since XX/XX/2020, and l received an email from Barclays Bank told the XXXX XXXX XXXX XXXX payments is due, but l never received the new Credit Card ending XXXX, someone stole my Card and use it! 
I can't log in my account to see any my information, the username and password being changed by the thief, there have no any others way to reach the Bank, only by phone call which cost lots of my money international call. 
I did call to the bank, tell them what happened, they should protect my right and make things right, that's their fault to let others people using my card without any securely protection ; customer representative ask me fax my XXXX kind ID to office fax number XXXX, they will put my case in the investigation I fax those ID at XXXX, And fax again at XXXX. 
but l still keep reciving many email asking me to pay the payment. 
Please help me get out this bad issue and get my Credit score back. 

Sincerely with my respect XXXX XXXX XXXX XXXX Ps : *The billing address was old ( XXXX XXXX # XXXX XXXX XXXX Ca XXXX XXXX ) l can't log in to my online account to put my new billing address ( XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) * * If need any more information from me, please let me XXXX
Consumer complaint received 2021-11-30
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. (MS)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2021-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

LVNV FUNDING LLP OR RESURGENT CAPITAL SERVICES have been trying to collect some debts that I do not recognize ; I have already disputed those debts, two that appear with a name that is not mine and one that does have my name. I have asked them for information, signed contracts that legitimize the debt and they have not been able to fulfill.
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

XX/XX/XXXX I received a message from XXXX with XXXX XXXX XXXX XXXX stating this is an opportunity for me to make a statement before my file is forwarded for legal action. XXXX XXXX is their client as I returned the call on XX/XX/XXXXand spoke with XXXX. He went on to say that I attempted to defraud banking institution regarding a payday loan from XXXX. I had never taken a payday loan, I was a student at that time and closed out my account due to fraud transactions. I asked for written documentation in the past when I was contacted by XXXX XXXX, which was not provided. I do not intend on paying this debt as I did not incur it.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

I submitted multiple request to the major bureaus ( XXXX, XXXX, XXXX ) about the incorrect Bankruptcy information listed on my reports. I submitted files directly from the courthouse showcasing the error they stated was correct after asking them to investigate my file. They directed me to LexisNexis since they verified it as being correct multiple times during their investigation. I reached out to LexisNexis after reviewing the report they sent me in XX/XX/2020 and then asking them to verify its accuracy. LexisNexis never replied back to my multiple inquiries about why theyre reporting it accurate to the bureau yet wont show me where theyre getting this information from. I even went to the court house pointed out the multiple errors and incorrect information in writing back in XX/XX/2020. After no reply within 45 days i reached out to them again XX/XX/2020 requesting they investigate and validate the information directly with the courthouse. They havent responded back to me neither times within 45 days. I recently sent a third request XX/XX/2020
Consumer complaint received 2018-03-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I am currently a student at XXXX XXXX XXXX XXXX still taking classes at least half time. This was the requirement presented to me when I left XXXX. XXXX XXXX in order to defer my loans. As of XX/XX/2017, Navient has told me that they do not offer this option on their private loans and that I have gone past the allowed amount of time in school or not, therefore I must start paying my loans now. Initially they wanted over {$900.00} a month which I do not have access to. After many conversations with them and finally having them call my father they lowered the price to {$290.00} per month, but only for the next 15 months, despite the fact that I was and, again, still am in college and still working to graduate. 

My initial loans for XXXX. XXXX XXXX were given by XXXX through XXXX XXXX as XXXX XXXX did not offer loans for the school directly. Without my knowledge or consent they were sold/transferred to Navient and I have had nothing but problems with them since. At first they would tell me I wasn't in school, even though I was, then they changed their story to I must pay the private loans regardless of my school status. 

As of today I have paid {$1700.00} and next week they i will pay another {$290.00} bring my new total to {$2000.00}. This month I also need to purchase all my supplies for my spring semester and hope I have enough money when all is said and done to still pay bills and feed myself.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (NC)

XX/XX/2022, I recently had to transfer my student loans to a new company called Aidvantage, because XXXX said they will no longer be handling Federal student loan repayments. Ever since I transferred my student Federal loans I've been paying on them Aidvantage has not been putting accurate information on my credit score, they've even increased my loan amount, which caused my credit score to go down. I called Aidvantage to complain about my account having incorrect information reporting to my credit score and everytime I'm waiting to talk to an agent it says my call has been rejected. I've also tried login into my Aidvantage account online and after I enter my correct username and password it still wont show my account information, it just shows a blank screen, and they have not put out system will be down warnings, so it should work. Hopefully the inaccurate student loan information has nothing to do with me recently applying for a house and recently being preapproved.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT :