davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In reference to the complaint ID XXXX. The US Department of Education failed to reply or fix issues related to said complaint ID XXXX. They Violated FERPA 20 USC 1232g ( B ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping. The accounts are also over 7 years old which violates FCRA. They are also reporting conflicting information across all credit bureaus. XXXX of payment was made and not applied to account. These matters has caused both stress and endangerment of my life. On contract with Direct Loans and FedLoans which are now transferred to US Department of Education XXXX XXXX XXXX, the promissory note states they would not share my personal information with any third party which XXXX sales information about consumers on XXXX which includes my personal information through both direct and Indirect Channels According to their SEC Registration No.333-172549, 10-k form, and this violates FERPA and the privacy act of 1974. XXXX acquired XXXX XXXX, a third party which also holds US Department of Education accounts on my credit report from XXXX XXXX, and buy and sales information which is a breach of The Privacy Act of 1974.Experian uses the XXXX XXXX  XXXX without my consent of soliciting my personal information breach of the Privacy act of 1974.
Consumer complaint received 2021-10-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dynamic Recovery Solutions, LLC (TX)

This is my 3rd time disputing this! Per their letter which is also attached, it states : TEXAS RESIDENTS : by law we can not sue you nor will we report to your credit report due to age of debt. They replied to complaint XX/XX/XXXX they would cease contact and notify creditor of dispute then they STILL put it on my credit on XX/XX/XXXX, I filed another complaint and they just copy/paste their previous response. THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT. YOUR PRACTICE HAS BEEN UNETHICAL IN THIS EXPERIENCE, NOT ABIDING BY THE LAWS IN PLACE. I DONT OWE YOUR CREDITOR ANYTHING. Almost 7 YEARS AGO THEY FAILED TO BILL XXXX FOR THE PHYSCIANS BILLING. The hospital billed and got paid. YOU CAN NOT BILL A XXXX PATIENT BECAUSE YOU FAILED TO BILL IN TIMELY MANNER. You all have damaged my credit and it needs to be REMOVED immediately! This is insane!!
Consumer complaint received 2017-12-12
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: STERLING JEWELERS, INC. (IL)

After repeatedly contacting the company regarding an error on their part Ive gotten nowhere. Their company placed my account in a bankruptcy status which resulted in me not being able to pay my bill or receive statements. I called and called and continuously tried to explain to them that the account was opened after my bankruptcy and traffic their had to be a discrepancy on their end. After receiving horrible customer service and being transferred multiple times they finally heard me out and opened a dispute. They saw that someone on their team dropped the ball by having my account closed and placed in that status. They apologized for the inconvenience and the mistake on their part but due to this i have suffered tremendously. They reported 60-90 day late payment to the credit bureaus and are refusing to fix that! My credit has dropped tremendously because of this. I had never reveived a statement and didnt know i had a bill until i called! Even after calling they couldnt accept a payment from me. Ive been trying to pay since XXXX! I want those derogatory remarks removed from my report along with all of the late payment fees! This is by far the WORST COMPANY IVE EVER DEALT WITH!!!!!!
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX. I first submitted my complaint to XXXX and Transunion on XX/XX/XXXX asking them to verify this unknown account. XXXX and Transunion both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX ) if I had additional questions. I contacted XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( XXXX and TransUnion ) and XXXX. How is that possible if they CANT validate with me the consumer but validate with the credit bureau.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020, I sent off a dispute to Transunion to correct my personal information. I put an initial fraud alert on my credit report because I was so concerned with the personal information that was on my credit report. I sent in proper identification of my legal name and a list of addresses that I only known to be associated with and Transunion failed to fix and update that information. They also failed to give me a reason of why they refused to update my personal information. I am really concerned about my credit and am currently investigating the accuracy of these accounts.
Consumer complaint received 2020-12-10
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. (FL)

I kindly ask you to investigate and remove these accounts from my credit report. I do not recognize these accounts I believe I was a victim of identity theft. I have no contracts or agreements with these accounts. I do not know how these items ended upon my credit report. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2020-08-31
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. i got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$1700.00}
Consumer complaint received 2022-04-07
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. (FL)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jim Bottin Enterprises, Inc (NC)

On XX/XX/20 I began a membership with XXXX XXXX in XXXX NC. As it was before the height of the pandemic and things appeared to be dying down, I began the membership once the club had reopened. I was going to the gym throughout XXXX and XXXX. Once XXXX hit and the pandemic began to rise again, I took some time away. In XXXX, my grandmother became ill with XXXX and my family began the process of relocating to take care of her in her final days. I immediately reached out to the gym looking to cancel as I was both not feeling safe about going during the months of XXXX and XXXX and now was going to be moving to an area several states away from the gym. They did not return my call. After several more unreturned attempts to reach out to the gym and cancel my membership, I reached out to ABC Financial, the group who handles billing and memberships for XXXX XXXX. The first person I spoke with said they would contact the gym on my behalf and tell them to contact me. They did not. My call today was equally fruitless as they simply pushed me to call the gym again. At this point, I have received an email about a late fee on my account at the value of nearly twice what I would be paying had I paid the month of XXXX. I have had zero luck reaching out to the gym and getting a response and I would just like the membership cancelled. 

I would provide more documentation but their account website has no documentation of my member ship ( as shown in the screenshots Ive attached ) and doesnt even have the number for the gym listed!
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MD)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-12-10
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: Mr. Cooper Group Inc. (OR)

Credit collecting company has systemic failures, resulting in their systems not accepting credit payments, inaccurate reporting of payment receipts, and the inability to contact the company effectively. Company incorrectly reports missing payments. Companies electronic method for electronic processing of consumer mortgage payments has repeatedly failed. The system inaccurately reports that payments were accepted and inaccurately reports that payments were processed. Companies phone communications are unavailable and unreachable. Company did not notify consumer of missed monthly payments, by email, phone, or us mail. Company does not take effective communication action until loan is in default. Company apologies for errors, refunds late fees, and refunds charges but does not correct credit report. Companies failures have happened repeatedly has assured me problems wore corrected but processing errors have continued. Company investigated problem for weeks, resulting in additional missed payments that were submitted and reported as accepted, resulting in additional fees, fines, and negative credit reports. Company did not suggest or recommend any additional methods for processing payments. Companies actions have had deleterious affects on obtaining new credit.
Consumer complaint received 2020-12-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2020-08-31
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. i got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$1700.00}
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

WHEN COVID-19 MY MORTAGE SIGN ME UP WITH A LOAN REPAYMENT PLAN NOW THEY REPORTTING ME TO ALL 3 CREDIT OFFICE THIS HURT MY REPORT. THEY SAID I MISS XXXX XXXX XXXX. THANK YOU VERY MUCH
Consumer complaint received 2020-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went to XXXX XXXX today XX/XX/XXXX to purchase a car, but they did not approve me because of negative accounts ( XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, U.S. DEPARTMENT OF EDUCATION XXXX, XXXX XXXX XXXX XXXX XXXX ). My personal information birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my name and personal information to open these accounts. I did not receive any money, goods, services, or any other benefit as the results of these accounts being opened. I need these accounts blocked as they are a result of identity theft and they don't belong to me. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no arrest has been made. I certify to the best of my knowledge, all the information is true and correct.
Consumer complaint received 2021-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (FL)

In XX/XX/2020 Paypal closed the account I was using for selling online and they did not give me a reason. Prior to them closing my account they were holding my money saying that I had to prove items were shipped and money would be released when the items were delivered. I provided tracking and all items were delivered but still they were holding my money. Out of nowhere I logged in and was told my account was limited and I could no longer use Paypal. No reason given. I was then told that they were going to hold my money for 180 days, no reason given. As the 180 mark was approaching I logged into my Paypal account to see what needed to be done to make sure my money was released and I see that on XX/XX/2020 they transferred the {$1500.00} they were holding out of my account to themselves. I called to get help and they basically said we are keeping your money, we won't tell you why and there is no one you can talk to about it. Plain and simple, Paypal just stole {$1500.00} from me. I did not violate any terms of service and if I had, the closing of my account would have been sufficient. It does not give them the right to take my money and nothing I may have done warrants them keeping it.
Consumer complaint received 2020-11-17
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. (CA)

My info was stolen from me around eight years ago when my house was robbed. Ever since someone has been using my personal private info to open accounts in my name. I filed a police report and an identity theft report. I disputed all fraudulent items with all 3 credit bureaus and still they have done nothing. I am furious that someone can just get stuff in my name so easily and no one is doing anything to help me.
Consumer complaint received 2020-08-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2020 Portfolio Recovery Associates, LLC lost a lawsuit they filed against me in the XXXX XXXX XXXX XXXX Florida in XXXX XXXX. See Case Number XXXX. The Court ruled against them because they could not prove owned the debt. Now they are parking it on my credit reports saying I have settlement with them that the Court also said they had no Authority to settle with the people involved in the case. Basically they were hoping that I would not show up in court so they could get a default judgement the trial started at XXXX XXXX  they when they realized I was in appearance they e Filed bogus settlement notice at XXXX XXXX. They are also trying to collect on another account from XXXX XXXX they have not provided any proof of contract between us such as complete Master Purchase and Sale Agree, Card member agreement or Forward flow contract with the alleged account in question.
Consumer complaint received 2021-10-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (DE)

I filed a Fraud Affidavit Police report for Identity theft with all three major creditors for Netcredit in XX/XX/XXXX. A fraud alert was added to all three credit reports to also include a freeze. 

Netcredit sold the loan to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX PA XXXX contact number ( XXXX ) XXXX They are reporting on the behalf of Netcredit derogatory payments. 

I also reached out to XXXX XXXX XXXX and explained that a Police Report was already filed in XX/XX/XXXX and that I provided the report to all three major credit bureaus as well. 

I have notified both the Creditor and XXXX that I have been disputed this as Fraud provided police report inXX/XX/XXXX. 

The issue at hand is that Netcredit keeps selling the fraudulent account to other Debt Collectors and I keep getting harass about the same Fraudently Activity since XX/XX/XXXX.
Consumer complaint received 2017-12-12
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. (GA)

I have sent letters of dispute to Experian, for a creditor in my file named XXXX XXXX/acct # XXXX. Experian responded with " account verified ''. On XXXX XXXX, XXXX and XXXX XXXX, XXXX I sent certified letters to Experian disputing the account and requesting the documentation received verifying the accuracy. I received a response from Experian dated XXXX XXXX, XXXX stating, " Unless you send us additional relevant information to support your claim we will not reinvestigate this information. '' In response to my letter mailed XXXX XXXX, Experian sent me a response dated XXXX XXXX, XXXX parroting the same response that was previously sent to me. 

In both of the letters that I sent to Experian, I requested that they send to me the documents that they have in their file that was used to verify the accuracy of the disputed account. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that Experian disclose to me all of the documents that were recorded and retained in their file at the time of my request concerning the account in dispute. The FCRA, 15 U.S.C. 1681 ( i ), further states that if the disputed account remains unverified that it must be promptly deleted. Furthermore, the FCRA Section 611 paragraph ( 6 ) ( B ) ( iii ) states, " if requested by the consumer, a description of the  procedure used to determine the accuracy and completeness fo the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information ... '' I have not received the requested information after my submission of numerous requests.
Consumer complaint received 2020-08-31
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.