davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I C Systems Inc a debt collection agency has an unknown debt on my credit report. They are not authorized to collect debts in Florida. And I have written multiple 609 letters and debt validation letters asking them to validate this debt to me by showing the proper proof this is my debt or remove it from my credit report. They have failed to provide any documentation and I have no knowledge of this debt. Nor have I given my personal identification to this company or the creditor they are representing. Also this same debt is being reported on my credit reports twice. Please have this debt removed from my credit reports as per consumer law they have not legally validated this debt and are inaccurately reporting to my credit reports.
Consumer complaint received 2022-04-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have recently received a copy of my consumer report XX/XX/2022 and am frustrated to have found so many inaccurate accounts being furnished in errors. Pursuant to 15 USC 1666b, a creditor may not treat a payment in a credit card account under an open-end consumer credit plan as late for any purpose. Congress has noted that XXXX, XXXX and Trans Union is not backed by any government agency and is simply an elaborate mechanism developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character and general reputation of consumers. Congress has also made it clear that XXXX, Trans Union and XXXX have assumed a vital role in assembling and evaluating consumer credit and other information on consumers pursuant to 15 USC 1681. Per Congress l, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, Trans Union and XXXX acted impartially towards me because you furnished inaccurate information l, defaming my character and reputation, with no proof. Not to mention l, I never gave XXXX, Trans Union and XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b as well 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) because information solely as to transactions or experiences between the consumer and the person making the report should be EXCLUDED from a consumer report so you have no authority to furnish this information. XXXX, XXXX and Trans Union has caused me severe stress and anxiety due to these abusive and unfair practices.
Consumer complaint received 2023-01-28
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 — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation (PA)

Bridge crest from XX/XX/2016 is still on my credit ... after they have the wrong information on my credit and it's affecting my score. I sent letters and disputed so many times and it comes back accurate results. Please erase Bridgecrest XXXX off my credit. Also it's been 7 years the accounts been closed.
Consumer complaint received 2023-01-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Lincoln Educational Services Corporation (MA)

A loan was FRAUDENTLY put into my name that was NOT applied for. A personal student loan was never in the agreement. Company has NOT sent any statements, terms or anything to me. It has now EXTREMELY negatively affected my credit score. When spoken to they refuse to send information or give me online account access.
Consumer complaint received 2023-01-28
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: TOYOTA MOTOR CREDIT CORPORATION (WI)

On XX/XX/XXXX I opened an email from my bank, XXXX, that a derogatory account was on my credit report. I went to XXXX to review my credit and found a loan for over {$68000.00} with Toyota Motor Credit. I've never taken out a loan with Toyota Motor Credit nor do I currently have a vehicle with a lien against it. I contacted XXXX and Toyota Motor Credit on Tuesday, XX/XX/XXXX to dispute this information. I have yet to hear a resolution from either of them. I also contact the auto dealership ( XXXX XXXX in XXXX XXXX, AR ) where I believe my identity was used to purchase the vehicle.
Consumer complaint received 2021-08-10
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. (GA)

I am an identity theft victim and I have previously placed fraud alerts on all 3 of my credit files. Someone continuously has tried to apply for credit and inquiries are all over my report. I have not authorized anyone to apply for anything and my I have not attempted to apply for credit. I have already submitted an identity theft affidavit along with a police report and request to block or remove these inquires and yet there has been no change on my reports. These fraudulent inquiries need to be removed immediately.
Consumer complaint received 2017-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There was a computer glitch that was TransUnion 's problem, not mines, that caused all of my inquiries to be deleted. I then noticed that TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them to my report. I have contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I called on XXXX XXXX, 2017 at XXXX and on XXXX XXXX, 2017 at XXXX in dire need of assistance of getting this corrected. Both representatives were rude and abrasive and the second call on X/X/17 I asked to be transferred but was disconnected on after being on hold for a very long time.These inquiries add a hardship and that your rights were violated by TransUnion. I truly seek and ask the help of CFPB to help me in an effort to make TransUnion stop victimizing me.I do request a full resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Consumer complaint received 2018-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

1st complaint : HSBC sent me a credit card that I hadn't applied for. I've spent over five hours on hold with HSBC in an attempt to report the ID Theft and ensure that the card has been coded as such and for them to remove any related reports from my credit reports. I wasn't able to get a person on the phone until today and then they refused to connect me to the department that handles fraud/Id Theft and refused to provide me with an address or fax number for me to send a police report and affidavit to report the ID Theft. The associate said that she can not assist me that I will have to be placed on a " lengthy hold '' to speak with someone who could assist me. I told them of my 5 hours of hold times and frustration to report the Id theft and they said they couldn't assist me. I asked for their manager and they refused. I advised that I am filing a formal complaint against HSBC and the associate wasn't concerned and they placed me on hold.
2nd complaint : After I formally communicated and provided proof of my victim status as a victim of ID Theft to HSBC and having received HSBC 's acknowledgement of the receipt of the unauthorized application that they've " Denied the application '', HSBC has now communicated to me that they approved the application and are reporting it to my credit reports. Since I've received this information from HSBC I contacted them and requested a fax and or address to resend the police report and FTC Affidavit for them to investigate and resolve the issue and the associate refused to assist me or transfer me to someone who could assist me. I advised them that I am filing a complaint against them and the associate placed me on hold until I discontinued the call because they failed to pick the line back up.
Consumer complaint received 2023-01-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I submitted a letter to the 3 Credit Bureaus last XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 2020-11-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have sent Experian many disputes and have included MY DRIVER LICENSE and copy of MY SOCIAL SECURITY CARD several times to validate my identity. Yet Experian is saying that It is not me who is disputing these accounts affecting my credit. Do they need a DNA test to proof its me? In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. If the information requested can not be verified, remove this accounts from my report immediately.

1- XXXX XXXX  XXXX XXXX XXXX Reported XX/XX/XXXX 2- XXXX XXXX - Reported XX/XX/XXXX 3- XXXX XXXX XXXX  XXXX Reported XX/XX/XXXX 4- XXXX XXXX  XXXX - Reported XX/XX/XXXX 5- XXXX XXXX - Reported XX/XX/XXXX XXXX- US Dept of Edu - Reported XX/XX/XXXX 7- XXXX/XXXX- Reported XX/XX/XXXX
Consumer complaint received 2022-04-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-12-05
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: CAINE & WEINER COMPANY, INC. (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have yet to receive any investigation results.
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC (CA)

My complaint is about i went to XXXX many years ago and they involve to sing a time share,XX/XX/XXXX now i have a problem with my credit i collection evetime said is more and more money. 
Now I have the collection for years i don't want to paid for something the i can used and i never used in my life, they calling me always. 
I spoke with them explain the situation i can not paid that already past 7 years and still my collection is on my credit. 
Im involve and another friend. Were in the same situation.
Consumer complaint received 2022-04-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-09-17
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. (IN)

The credit bureaus continue to report inaccurate accounts on my credit report after I disputed them accurately. Im attaching all the info with this compliant so they can stop illegally reporting inaccurate info
Consumer complaint received 2020-09-17
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. (IN)

The credit bureaus continue to report inaccurate accounts on my credit report after I disputed them accurately. Im attaching all the info with this compliant so they can stop illegally reporting inaccurate info
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (CA)

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 XXXX '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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-11-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TRANSUNION dropped my score XXXX points on XX/XX/XXXX from XXXX. I am a nurse and I watch my scores everyday. I have had perfect payments for two years. I needed a loan from the pandemic and this drop stopped me from getting a needed loan. The drop in score of XXXX points HAD NO ACCOUNT ATTACHED TO IT AS ALL ACCOUNTS WERE PERFECT FIR LAST TWO YEARS. I CALLED TRANSUNION AND SPOKE WITH XXXX A SUPERVISOR ON XX/XX/XXXX XXXX and requested he tell me which account the drop was attached to so I could dispute it. He said hire a credit counselor after he said there was nothing to support a drop. I CAN NOT DISPUTE A XXXX POINT DROP NOT ATTACHED TO ACCOUNT!!! I SHOULD BE ABLE TO KNOW OR IT SHOULD BE OBVIOUS - I NEED THIS CORRECTED AT LEAST TO KNOW WHAT ACCOUNT CAUSED SCORE OR I CAN NOT FIX THIS EGREGIOUS ERROR!! Please HELP!!
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc. (WI)

On XXXX XXXX, XXXX, I had XXXX XXXX at the Wisconsin XXXX XXXX on my XXXX XXXX. Since I was XXXX XXXX XXXX at the time the XXXX was scheduled, I did not sign any contracts or agreements pertaining to the XXXX. I am currently XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, a bill was received from Wisconsin XXXX XXXX for the aforesaid debt in my name only. My mother immediately contacted the Wisconsin XXXX XXXX and informed them that the invoice was incorrectly put in my name ; as she explained I am a minor. My mother explained that my father is legally responsible for the bill due to the martial settlement agreement from their divorce. She provided the employee with my fathers name, address, and social security number. The employee agreed that putting the invoice in my name was an error and indicated he would email XXXX, and request that the bill be fixed and put my father as the responsible party and have the bill sent to him. 

On XXXX/XXXX/XXXX, another bill for the aforesaid debt came in my name. My mother again called and again spoke to XXXX. XXXX confirmed the prior conversation and said he will send another email to XXXX to have the bill put in my father 's name and put him as the responsible party. A few minutes later, XXXX contacted my mother and left a voicemail message that the bill/invoice was fixed and my father was listed as the sole responsible party. My mother contacted my father and he admitted he is responsible for paying the medical bill and indicated he would set up a payment plan once he received the invoice from WI XXXX XXXX. A month or so later, my father indicated he had gotten the invoice. 

I have received no further correspondence from anyone regarding this debt until I received a debt collection letter from RSI enterprises dated XXXX ( that was not received until XXXX/XXXX/XXXX ) indicating I am responsible for the debt. 

I attempted to call RSI numerous times but they only have a voicemail and require you to leave a message to call them back. Since I do not want them harassing me about a debt that is not mine, I did not leave my contact number nor a message. 

On XXXX XXXX, XXXX, I sent RSI a certified letter notifying them that I am XXXX XXXX XXXX and that my father is responsible for the debt and provided my father 's name, address, social security number. I also requested proof that I am liable for the debt. 

At this point, I am seriously concerned that WI XXXX Center and/or RSI have unlawfully damaged my credit, by erroneously putting the debt in my name instead of my father 's name. 

I have attached copies of the XXXX invoices received from WI XXXX XXXX, the letter from RSI enterprises,  and the letter I sent to WI XXXX Center. 

I am requesting that CFPB not provide either company with my email address or telephone number or the email address and telephone number of my mother ( who I have given permission to have access to the status of this complaint )
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (AR)

XXXX XXXX XXXX/Navient ... dates is XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX reporting 180 days or more late.. this account have been since XXXX.. in XX/XX/XXXX I fail into hard times and financing was not so good and being a single mother was hard ... Ive wrote good will letters, Ive called several times begging for forgiveness and to correct the late payments.. right now its stopping me from getting the job I truly need that will help me stay on top of my finances ... since XX/XX/XXXX Ive became current with navient.. please help me