davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

XXXX. XXXX - XX/XX/2022, I log-on Experian to check my credit report and score. What I notice, I had no score and couldn't understand why because I only have one secured credit card from XXXX to try and rebuild my credit. I've made several calls concerning this matter, not one Experian Representative could or just would not help me fix this problem. Employing the use of Experian boost to possibly help me generate and retrieve my credit score, it generated a credit score, but it was not the credit score prior to me viewing an invisible credit score.XX/XX/XXXXXX/XX/2022, The XXXX  XXXX XXXX XXXX telephoned me stating that XXXX the company used to process credit inquiries for XXXX  XXXX stated that there was no credit information on my credit file to pull not even a credit score as well. It was then I explained to the lender this problem I tried to get it corrected through Experian XX/XX/XXXX, no success to correct the issue. I also mentioned to the Lender that XXXX experienced this same issue XX/XX/2022. 

3. XX/XX/2022, each time I log into my Experian account this statement appears in red in the center of the page " Sorry, we can't show you today 's report. This might mean that your lenders have different personal information for you than we do. Until this issue is resolved, you want be able to see your report ''. I've read this statement several times to many different representatives it just went on deaf ears.

4. Please I need help to fix the serious problem with my credit file and get it back to a normal without Lenders having issues trying to retrieve an inquiry on my credit score or report. Please Help Me.

5. I decided to log online to Consumer Financial Protection Bureau to complete a through compliant after viewing the vocabulary typed by the representative from Consumer Financial Protection Bureau over the telephone. The vocabulary was not correctly worded as I stated, that's why I completed this online complaint XX/XX/2022.
Consumer complaint received 2021-08-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

They only way I'm allowed to freeze my reporting from Datax is by traditional mail in which I expressed with Datax that due to my dire financial hardship at the present moment I cant afford the cost of mailing my information regarding copies of social security number and Identification. Asked was their any other way in which to send it via fax or email or phone number and they stated Unfortunately they can not. How does the consumer lay at the mercy of companies they were never told of or had any knowledge of entities obtaining and selling our data? I NEED MY DATAX EQUIFAX ACCOUNT FROZE IMMEDIATELY.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (FL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (PA)

I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.

This is my last warning before I proceed to bringing legal action against them.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry from my credit file. 
XXXX XXXX XX/XX/2020
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (PA)

I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.

This is my last warning before I proceed to bringing legal action against them.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (PA)

I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.

This is my last warning before I proceed to bringing legal action against them.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suttell, Hammer & White, P.S (CA)

I received a letter by the company XX/XX/2021 Stating I owe XXXX. 

This amount is owed by the people who were stalking me for many years. They will have to cough up the money. I do not owe this and will not pay it. I warned them all and have the reports to prove it.
Consumer complaint received 2021-08-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (PA)

I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State. 
This is my last warning before I proceed to bringing legal action against them.
Consumer complaint received 2021-08-17
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. (TX)

XXXX XXXX XXXX has contacted all three credit bureaus via letter to remove a charge off status. Both XXXX and Equifax refuse to update my credit report appropriately, despite having the letter from the creditor. They continue to update and leave the CO ( charge off ) status on several months.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have placed a fraud alert on my credit report. I am still getting unadvised credit inquires on my Trans Union credit report. I have contacted them to remove these inquires and they will not do so.
Consumer complaint received 2021-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Business Factors (WA)

I received care from minor emergency in XXXX XXXX XXXX on XX/XX/2020. That care cost was {$420.00} and {$160.00} of that was covered by my insurance provider ( this can be seen in the XXXX attached ). This left me with a responsibility of {$250.00} to be paid to the provider. I use an XXXX through connect your care powered by premera. I have paid many medical bills through this process over the past 5 years with no issues until this one. 

Also attached below is the proof of payment of the {$250.00} owed paid via my XXXX account. More than 6 months after this payment was confirmed in XX/XX/2020, I received a collections account report on my credit report ( attached as well ) for the exact amount that I have confirmation/proof of payment. 

I attempted to reach out to National Business Factor and the XXXX XXXX XXXX to resolve this issue, and both organizations refused to respond to my requests. I engaged a credit lawyer in XXXX and he sent mail to both National Business Factor and XXXX with months of engagement there has still been no resolution.
Consumer complaint received 2021-08-17
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-08-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC (AR)

A very long story short, two checks that were cashed, one two days before said date and one 32 days before said date. 

FROM THE INTERNET Is it illegal to cash a postdated check early? 
A person or a merchant can't cash a post-dated cheque before a certain date. 

Apparently, I have a case to stand on an I want them prosecuted to the full extent of the law. 

In the beginning, I was given unnecessary tests by my Medial Doctor. I contact XXXX XXXX XXXX, of XXXX XXXX XXXX and complained. XXXX XXXX was helpful and reduced my cost to {$76.00}. 

Being a XXXX XXXX on a limited budget/retirement, I sent the RMP collection agency two checks, enclosed because they threatened to violate my Credit Scores. ( Enclosed ) Both checks were cashed predated, a violation of the law. 

I request the following : 1. That this company do a nation wide drug test to prove that none of their employees are on illegal drugs. ( How can you not see, 2 checks, 2 different dates, same amounts? ) 2. That any employees on legal, mind altering drugs should not handle money.

3. That this company, RMP be fined the maximum amount for violation of the law.

4. Because of the hardship I have encountered, all {$76.00} should be returned back to me, with a statement, Paid in Full. Thank You, XXXX XXXX. 

I request an internal investigation into XXXX XXXX XXXX, XXXX XXXX, AR and RMP collection agency in XXXX, OH for illegal payment practices. 

Respectfully Submitted, A XXXX, out Enclosed : Bank Statement showing XX/XX/21, Checks XXXX & XXXX, {$38.00} both checks ; were cashed before due dates, XXXX and XXXX. A complete volition of the law. Please help me!!!
Consumer complaint received 2021-08-17
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (MN)

We had taken a loan for a XXXX issue at XXXX office for treatment. At the time of opening the account, no information was provided with regard to the account number, monthly payment amount due etc. And we also didnt receive any information via mail. 

By them the first mail arrived, a late fee had already been assessed, we tried reaching out to the bank but they refuse to accept their mistake. I strongly believe that no party is at fault here but myself as the consumer is facing a remark on the credit report. They are using their undue influence to affect my life negatively.
Consumer complaint received 2021-08-17
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. (GA)

XX/XX/2019 amount claim I owe is {$1700.00}. 
I have filed cfpb and reported them to the XXXX.I have filed a identity fraud affidavit, still nothing in return. 
XXXX XXXX  has responded and admitted this is fraud on my account.I have attached this letter. Experian and XXXX  are not removing this from my credit report.
Consumer complaint received 2021-08-17
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. (PA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( coaf, XX/XX/XXXX XXXX ), ( XXXX Card, XX/XX/XXXX ), ( XXXX XXXX XXXX ), ( Brclysbankde, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ). 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-08-17
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. (NY)

I opened my mortgage with XXXX XXXX, since i opened my mortgage with the above company i made payments from my business account to pay the mortgage and everything was going smoothly with the payment history. in XXXX of 2019 XXXX XXXX XXXX  bought the mortgages from XXXX XXXX and started to return my payments after a while i realized what is happing that fifth third bank is not accepting my payments. so i got in contact with XXXX  XXXX  XXXX  and ask why they are not my reporting my payments i am sending, they told me they can't accept this kind of payment because checks has to come from my personal account ... i complaint to the supervisor from XXXX  XXXX  XXXX  that its not legal to not notify me that they will not accept this kind of payments i was used to make to XXXX XXXX, because they didnt notify me of their changes in accepting my form of payment, they report lates on my credit report since XXXX of 2019. the supervisor of XXXX  XXXX  XXXX assured me he will take care of it and make sure XXXX  XXXX  XXXX  is reaching out to all 3  credit bureaus to remove the negative marks, till today XXXX  XXXX  XXXX  didn't reach out to the report companies to remove the lates.
Consumer complaint received 2022-06-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (VA)

I had a loan through Ally for a used XXXX XXXX XXXX I bought from XXXX the loan was re-financed in XXXX through XXXX and then paid off in full. on XX/XX/XXXX I truck the car back to XXXX resulting in them issuing a refund for the warranty remaining in the amount of {$670.00}, This had to be issued to Ally Bank as it was the original source of payment. I've contacted Ally Bank numerous times since XX/XX/XXXX and get the run around every time, and I have yet to get the check. Sometimes they will say they see the credit but no date of when I will get the check, other times they claim there was no overpayment even though the check was refunded after it was closed and that I am due no refund.
Consumer complaint received 2021-08-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My loan started with XXXX in XX/XX/XXXX as of XX/XX/XXXX they have 26 payments. I have been told I still am behind one payment I have sent my bank records and they say I have made the payments but the system says I am behind. I have incurred late fees over this. Have 4 over 30 day marks on my credit. My payments is due the 30 every month and I have done that. There are some payments that have not been fixed either. 
XX/XX/XXXX payment posted according to their records on XX/XX/XXXX. I sent a payment XXXX, XXXX, XXXX i asked the extra from the XXXX be added to the XXXX that has never been done. Furthermore the XXXX, and XXXX payments have never XXXX combined either. My payments started XXXX XXXX to date I have made 26 payments. I am not missing a payment. I would ask for these things be corrected as I have asked for MONTHS FOR THE PAYMENTS BE CORRECTED. I have called since XX/XX/XXXX sent out emails to the proper department and not resolution at all.