davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft, and I did not make or authorize those inquiries. I am requesting that those they be removed, -XXXX  XXXX ( XX/XX/XXXX ) -XXXX  XXXX  XXXX XX/XX/XXXX ) - XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) -XXXX  XXXX  XXXX  ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX  XXXX XXXX  XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2022-07-15
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: EQUIFAX, INC. (FL)

I am a victim of identity theft, and I did not make or authorize those inquiries. I am requesting that those they be removed, -XXXX  XXXX ( XX/XX/XXXX ) -XXXX  XXXX  XXXX XX/XX/XXXX ) - XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) -XXXX  XXXX  XXXX  ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX  XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX ( XXXX  XXXX  XXXX XXXX  ( XX/XX/XXXX ) -XXXX  XXXX XXXX  ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

I submitted a complaint to Wells Fargo bank regarding a dispute about an airline ticket in which XXXX  XXXX refuses to resolve an issue with me in regards to a cancelled flight. I was unable to use the ticket because of the stay at home order due to COVID-19  so I wanted to get a refund or a credit with XXXX  XXXX. I was unable to reach them through email and through phone so I initiated a dispute with my bank. When I initiated the dispute with my bank XXXX XXXX  removed my itinerary completely and there was no record of the flight whatsoever in my name. Wells Fargo ended up siding with XXXX  XXXX  after the dispute because of the fact that they " offered me a resolution '' when in fact they did not. Their policy states that they will be giving credits to all customers affected by the COVID-19 pandemic when in fact they did not honor that.
Consumer complaint received 2022-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

This company was informed about charges made to an old credit card and my account was closed and dismissed.Now for the past two weeks Ive gotten really nasty calls and threats.They even contacted my employer numerous of times with harrassment.The original card debt was removed from my report months ago.But upon checking my credit a few days ago I've found that the same card company has reported a card debt in my name listed as opened XX/XX/2022 with a balance over {$900.00}. I've never used any credit card that much and never have been given a credit that high.I have no knowledge of this said account they claim I have.This company keeps sending my information to different debt collectors that's reporting wrong information to my credit.Ive received alerts from XXXX about my SSN being exposed.There I no number listed to contact LVNV and many attempts to an online complaint has been ignored.They are doing illegal reports.
Consumer complaint received 2021-10-08
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. (VA)

I sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the XXXX  that was caused to me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY ID, AND A UTILITY BILL FOR FURTHER VERIFICATION.
Consumer complaint received 2019-02-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC (ID)

I went to the bank to stop the automatic payments. After I did this I got a new payment taken out. I have contacted XXXX XXXX multiple times to stop the payments from coming through and they will not stop. I have tried working with them and they are unwilling to. I told them if the could stop the automatic payments and they will not. I have sent a revocation for eft and they will not accept it
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-07-15
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. (TN)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : Dept Of ED Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Name : US Dept Account # XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MI)

This is the fourth trial that ProCollect INC. made to collect the debt that I did not owe. 

Procollect Inc. contacted me first time in XX/XX/2015 to collect a debt that I did not owe. It was resolved throughout credit bureau by verifying the person who Procollect tried to contact was not me. 
The same company tried to collect the same debt that I did not owe a few more time for the past. 
Today I got a letter about the same debt from ProCollect. The amount is {$360.00} and the creditor is XXXX XXXX XXXX/XXXX. 
I want ProCollect recognize that I am not the person who owes the debt described in the letter and will not contact me any more.
Consumer complaint received 2022-11-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHECKredi of Kentucky, LLC (TX)

XXXX - XXXX This is regarding your transaction that you used on XXXX. it was sent to a closed account - XXXX XXXX XXXX STOP to Opt Out Hi XXXX, if you would like to make payment today online please text the word " PAYMENT ''. Your balance is XXXX Your reference number is XXXX Thank you CHECKredi - XXXX XXXX XXXX STOP to Opt Out I dont have a balance. Theres been some fraudulent activity. 
How do I have balance when Ive never used this program for payment? 

Please contact our office at XXXX to discuss your account in detail. - XXXX XXXX XXXX STOP to Opt Out Please provide your website to start a fraud investigation.
Consumer complaint received 2022-11-23
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. (TX)

On XX/XX/22 and XX/XX/22 I sent Experian Identity Theft reports from the FTC regarding erroneous accounts on my credit file. Experian did not block and remove those accounts from my credit file within 4 business days as required to by law. In Experians recent response, it didnt bother to investigate my claim again. Experian is enabling identity fraud and defamation of my character. The fact of the matter is that this company can not verify an item is mine when it doesnt belong to me. I sent you the FTC report, as I was instructed to do. You failed to follow the FCRA and remove the accounts mentioned on the report within four business days. You hereby admitting to being guilty of the Enablement of Identity Fraud.
Consumer complaint received 2024-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have ask the 3 credit report agencies to delet these to accounts since I have no proof of original source or ever entering in contract with them XXXX XXXX XXXX {$450.00} Open balance XXXX XXXX XXXX {$440.00} Open balance I have asked 5 times to send proof of the original source or contract that enter with these two companies all investigations claim its correct but fail to give me any proof
Consumer complaint received 2022-11-23
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: HCFS Healthcare Financial Services of TeamHealth (OH)

I have four accounts from the same company on my credit report I tried to dispute it 10 times I've explained that it is not mine I have insurance. Free government insurance I would of used it. Have had same insurance for 20 years. it's from it was originally from hospital collector. It got sold to another company and I keep disputing it and they keep coming back saying it's okay which it's not because it's not mine I've put fraud I've contacted them it's been taken off my XXXX but they won't take it off my XXXX I tried to contact them multiple times so now my last resort is you it is not mine I even put in the report should I get a police report nothing ever was brought back to me I'm not taking this four accounts for a hospital visits when they're not mine this has been affecting my credit record I want this fixed please I didn't know who else to turn to thank goodness I seen that I could contact you guys to get it taken care of their name is ARS account resolution their address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida XXXX and then their phone number is XXXX
Consumer complaint received 2022-11-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (WA)

Im believe that this collection is regarding a hospital visit during XXXX of XXXX At the time, I was living and working for a company where they provided employee housing. I was under the impression that this visit would be covered through an assistance program for low-income individuals. Quite some time has passed, and not once has anybody notified me in an attempt to settle something I believed I did not have to pay in the first place. I have not lived at the address at which I did during this hospital visit, and I also do not have the same phone number anymore. I would have given my best effort to take care of my responsibility of this account, but again, I was never made aware of such obligations.
Consumer complaint received 2022-07-15
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: EQUIFAX, INC. (OH)

We paid down a lot of our debt and two of the reporting agencies actually decreased my credit score for paying off debt. 
This has affected my abilities to get better rates and loans. 
Why does paying off debt negatively affect my score. 
These companies want to keep us in debt and not pay off our debt
Consumer complaint received 2018-03-15
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: First National Collection Bureau, Inc. (TX)

This is the second account they continue to harrass me about. Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need to deliver court documents. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I  demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Consumer complaint received 2022-11-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I have been dealing with Navient for several years in an attempt to continue to fulfill my payment obligations. For several years ( approximately 20 ) I have been making payments under an Income Based Repayment schedule, retiring in XXXX  and moving to an IBR program shortly there after. For many years there were no issues to note. 

In the last five years or so there has been ongoing difficulty with Navient and having our payments being reflected correctly. I have had many phone calls ( dozens, if not over a hundred ) of phone calls with Navient representatives attempting to address whatever issues may exist. In several cases we would appear to reach agreement in discussion, only to receive correspondence indicating something different from what was agree. 

In an act of desperation, in order to attempt to truly address what Navient appears to see as continuing lack of payment, I send them nearly {$2000.00} in response to a letter in XXXX indicating that my account was delinquent in that amount. To be clear, I have been continuously making monthly payments for the amount due throughout the course of this loan without interruption for the amount due. 

My hope was that that act of payment would address the matter as they saw it. It did not, instead letters indicating late payment continue. My payments are sent through a bank bill pay service, same time and amount each month. My records are clear that Navient is being paid. 

I believe Navient is acting intentionally to create this situation that I have actively engaged in attempting to address. No action on my part over the last several years appears to appease this company, which has brought me to you at the XXXX XXXX XXXX XXXX to possibly help address.
Consumer complaint received 2022-07-15
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. (CA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be in error : These inquires was not authorized, Please remove this inaccurate information from my credit report XXXX ). XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following account is not mine XXXX XXXX  XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following information is outdated. 
XXXX XXXX XXXX Account Number : XXXX XXXX. The following account is not mine XXXX Account XXXX : XXXX XXXX. The following account is not mine XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. The following information is outdated. Remove from my credit report XXXX XXXX XXXX Account Number : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report with the creditor who has posted them. 15 U.S.C 1681 section 602A. I have the right to privacy. 15 U.S.C 1681 Section 604A States Consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal. They also violated my rights under the 15 U.S.C 1681 section 602 A. States I have 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.
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have reach out to XXXX  XXXX  about innacuracies on my credit and ask to validate the debt as well as original contract. They have not responded within the legal amount of time and have unaccuries on my credit report and addresses and amounts they can not validate.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reach out to XXXX XXXX  about innacuracies on my credit and ask to validate the debt as well as original contract. They have not responded within the legal amount of time and have unaccuries on my credit report and addresses and amounts they can not validate.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Arnold Scott Harris, P.C. (IL)

I filed bankruptcy and the clear path program was supposed to put my tickets into a payment plan I started my first payment and they never charged my account again. When. I called to see what was going on they told me to pay XXXX 3 months to avoid default and I asked them to reset the plan to also make sure it included XXXX  tickets they refused. I had a legal name change from XXXX XXXX to XXXX XXXX and they still wanted me to do a separate payment plan. 
Plate XXXX