davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
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. (PA)

A Payment was made to bring the account current prior to XXXX/XXXX  reporting to the Credit Bureaus , however XXXX/XXXX deliberately reported that the payment was past 30 days and I believe it is in response to them being spiteful and them retaliating against me for reporting them to multiple Regulators. I can tell you right now that these complaints will continue, because future borrowers should be extremely aware of how XXXX/XXXX  operates XXXX They appear to create their own rules while ignoring Consumer Protection laws. It is no surprise that they were unable to prove beyond the shadow of a doubt that they weren't incompetent and/or creating situations for borrowers that were questionable, such as converting promised Grants into loans for educators. Ms. XXXX knew what was going on, and so do various other State Legislators. When payments are late but paid before you submit to the Credit Bureas, XXXX/XXXX had advised me that they will not report that it was 30 days past due in the past. It is clear that people lie within this company. I've already seen multiple employee comments complaining about this company also saying that morale is bad and management treats people badly. There's a shocker. 

People are doing just this : https : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

After several attempts contacting XXXX XXXX XXXX they refuse to remove a medical collection in their response they sent me back my medical records which is a HIPAA violation also I did not sign a HIPPA release form for them to have the information and when I told them that they still refuse to remove it every time I got on the phone with them they gave me nationalities still have not verified that they sent they sent me back my medical records Which station that half in this letter below whos all the medical records they should not know what I had done at the doctors office oh my doctors name any information like that
Consumer complaint received 2020-11-18
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. (CA)

NON-RESPONSIVE AND INCORRECT. My problem is what is on my credit report because you have not deleted as you are required to do BY LAW after 30 days. SO GET YOU HEADS OUT OF YOUR XXXX AND LOOK AT THE CORRESPONDENCE I SENT YOU. YOU HAD 30 DAYS TO RESPOND ... YOU DID NOT ... THAT'S THE LAW ... IT SAYS THE ITEMS COME OFF MY CREDIT BECAUSE YOU DID NOT DO YOUR INVESTIGATION IN 30 DAYS. 

Anything you respond at this point is a lie. I will sue you in small claims court for {$10000.00}.
Consumer complaint received 2020-11-18
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. (GA)

I sent a dispute to the Credit Bureau and they failed to respond within 30 days. I sent another letter explaining that they are violating the law and they are not complying.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a dispute to the Credit Bureau and they failed to respond within 30 days. I sent another letter explaining that they are violating the law and they are not complying.
Consumer complaint received 2020-11-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (KY)

I have been out of the country of the past 10 years. 
I checked my credit to make sure its okay as am planning to come back home soon. 
and I found a collection comment on my credit report for California Department of consumers affairs for the amount of {$750.00} the same was forwarded to Rash and Curtis and associates for the amount of {$1200.00}!

I called Rash & Curtis Office and asked them to give me an idea or details of this collection and what is it about. The representative told me that it was for a citation for XXXX XXXX company and asked me if I knew them. I told him that I worked for them long time ago as a XXXX  and I was never aware of any citation or violations. and I asked him to give me more details of the incident as I truly don't remember anything of that sort. Furthermore I told him that if he can provide me with proof, then I will take responsibility and pay the fine but if its not then I want to dispute it and have it removed off my credit report, He refused to give me any details and continued asking me to pay and I refused and informed him that I want to get legal consultation on how to resolve this issue. 
I emailed Rash & Curtis and associates to minute the phone call and requested them to provide the details or record of the incident that proves my responsibility to it. 

Below is copy of my email sent to them. 

Case number Acct XXXX XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX  ( 23 hours ago ) to XXXX Dear Rash & Curtis client service department. 

I called your office today XXXX XXXX to question a collection note that i noticed on when i pulled my credit report yesterday. 
The note was for consumers affair in the amount of {$750.00} and then forwarded to Your office for collection in the amount of {$1200.00}. 
I dont have any idea what is this claim about. 
When i asked your representative who answered my call he informed me that its for a citation for XXXX XXXX and if I knew them. 
I answered him yes, i worked for them long time ago as a XXXX  and i never received any citation and dont know anything about it. 
I would like to request a record of the incident to understand how was this citation transferred to my name and the way to dispute it and get it removed off my credit report. 

Please send me any record of violation or citation for this claim so i can understand and further address this issue. 

Best Regards XXXX XXXX XXXX
Consumer complaint received 2020-11-18
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: OneMain Finance Corporation (PA)

On XX/XX/2019, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, ONEMAIN add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-11-18
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. (AL)

I have fraudulent inquiries on my credit report. These inquiries have hurt my credit trmemdously, also causinf me a lot of emotional XXXX. Please investigate why these fraudulent accounts are popping on my credit profile. There's one from XXXX XXXX that dropped my score a lot. This is not fair.
Consumer complaint received 2020-11-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (GA)

I'm was not aware of this debt by this collection company and did not have the opportunity to dispute. In addition, this is a re-inserted, which is against the law per the Fair Credit Act. 

Please provide the assignment of debt, method of verification, validation of debt and copy of certified mail with receipt, showing I knew of this debt. 

In addition, XXXX XXXX XXXX # XXXX had this account and it was DELETED. 

Then popped back on my credit report with DIVERSIFIED ADJUSTMENT # XXXX This account was re-inserted!
Consumer complaint received 2020-11-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I took out a loan with XXXX XXXX dba XXXX which was sold and paid off by the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX in 2005. I keep receiving alleged payment stubs from a company called Select Portfolio Servicing ( SPS ) which as nothing to do with this loan.
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc. (CA)

On XX/XX/2022, I received notifications from XXXX and XXXX that a collection account in the amount of {$2400.00} was reported by XXXX. After a quick XXXX search, I learned this company is a collection agency attempting to collect a debt. 

SUMMITACTRES ( " Summit A-R '' ) unscrupulously " parked '' this debt on my credit profile in an effort to collect a debt that I do not owe. What is " parking '' the debt? It is when a company, Summit A-R in this case, reports a debt to the credit bureaus to force a consumer to contact them with the hopes of collecting a debt they purchased from another company. These actions are malicious ( and quite possibly illegal ) and have severely harmed my credit.

As a consumer, I am protected by the Fair Debt Collection Practices Act. Summit A-R 's placement of this collection account on my credit report is the epitome of an abusive, deceptive, and unfair debt collection tactic. Furthermore, XXXX ' actions have unfairly tarnished my credit as they attempt to exploit my good credit standing. This is exactly what the Fair Debt Collection Practices Act intended to stop. 

Summit A-R has a debt from XXXX. XXXX was unable to provide me with validation for the debt. I went to them with a sick puppy and they gave me estimates. They never gave me a final bill and told me I would need to give them another {$400.00}. I disputed it with my Credit Card and XXXX XXXX credited it back to my account. They are trying to collect a debt without sending it to me in writing.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the THIRD complaint I have had to make about the lack of response. My first was made on XX/XX/2020 with XXXX  and was accompanied by a dispute submitted directly to the bureau ; the dispute number was XXXX. The second was made on XX/XX/2020 with TransUnion and XXXX, which were also accompanied by a dispute submitted directly to the bureau ; those dispute numbers were XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from the bureaus since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything. Data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AR)

In 2017 created an online account with Equifax at XXXX XXXX XXXX XXXX i was having security issues with my phone and learn that an online account with Social Security had been hacked i filed a complaint with FBI IC3 but left credit account alone now when i try to start a online account with Equifax it has a bunch of questions about retail cards and loans which i do not know because its been years since i have had a loan of any kind and 1credit card years ago for a breif time i tried answering none of the above it still locks me out i have called them i still cant get access so i can lift freeze even temporary still the people that have access but maybe i can get it where can lift freeze so i can apply for things
Consumer complaint received 2022-04-08
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. (PA)

Account Shows Late/Charge off. This account was never late. 

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 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2020-11-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY (FL)

I have been out of work due to COVID19 since XX/XX/XXXX. In XX/XX/XXXX TD Auto gave ne an 2 months extentsion. As of XXXX still not back to work they granted me an extentsion but i had to pay XXXX interest in order to get extentsion. I was under the impression it was the COVID-19 extentsion by it being 2 months later. which the president signed into effect the CARES act and that creditors should try to accomodate consumers. they did grant the 2 momths. I am still as of today XXXX XXXX still not working and is onlt receiving the pandemic unemployment of XXXX bi weekly. I called and was denied the COVID-19 extentsion stating i already received the COVID 19 and Hardship and must wait to XX/XX/XXXX for another. when i called in XXXX i explained i still am not working due to underlying medical and covid-19 i though he extended me the covid relief payment extention instead he did a hardship and collected almost XXXX from me which i only get XXXX a month. now i am asking for an extenstion they tricked me into paying the XXXX dollars and made it a hardship which you can only request once a year. Wow what snakes. i am her with the COVID getting worse in florida no sign of me returning to work right now and i was denied any help which all comapnies where given relief funds to help consumers. i do not want to loose my car but this company is clearly about money. i have tried to reduce my payment due to creditors posting negative and missed payments on my credit file i can not re finance at this time. this is AMERICA the home of the Brave ... yeah right. the home of GREED. i want my extenstion granted by TD auto finance.
Consumer complaint received 2020-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NJ)

The collection agency IC Systems is showing on my credit report with the original creditor XXXX XXXX XXXX. I have not had any service with XXXX XXXX XXXX for over 8 years, and at that time I paid the final bill in full, and there was no money owed. I sent a letter to the company requesting validation of the debt, and have not received any response from them, and it has been over 30 days.
Consumer complaint received 2022-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I have been disputing this collection Attempt since 2018.

I have no knowledge of said debt owed and have repeatedly requested PROOF THAT I OWE SAID DEBT.

A signature agreeing to pay the amount that the creditor said I owe? OR Any formal documentation that legally binds me to the amount of money the collection agency falsely accuses me of owing.

What happened to justice and fairness in reporting from credit bureaus?

Does Experian just take the word of EVERY COLLECTION AGENCY reporting a debt owed without the responsibility for proof of said debt before damaging someones credit worthiness with a unjustified accusation.

If this is not the case, then why are they not required to send us, as the consumer, whatever legitimate documentation or electronically agreed to contract that a credit collector claims is owed before dragging down our credit score and making us look like a bad credit risk?

Is this not Defamation at the highest level?

Affecting our ability to work at some jobs?

Ability to house, clothe an feed our families? Which is an essential human right that seems to be handled with absolute disregard and disrespect.

EITHER SEND ME SOME LEGAL AND BINDING DOCUMENTATION THAT SHOWS UNDENIABLE PROOF OF A COLLECTION BEING CLAIMED OR REMOVE THIS LIE AND UNWARRANTED ATTEMPT AT EXTORTION.
Consumer complaint received 2020-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (VA)

I received an Alert from XXXX that an new account was added to my report. Elevate Recovery, LLC. I have never heard of this company. I have never received a letter and when I called the number XXXX the representative was rude and said that there was no account in my name and then hung up. If this account is with XXXX XXXX or any other affiliate of XXXX XXXX, this is not my account. I have never received a bill or any other documentation from this company.
Consumer complaint received 2020-11-18
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. (PA)

Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of XXXX XXXX to report items on the credit profile. Requesting Identification and signature If practices failed prior, my credit shouldn't be compromised as a consumer. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2020-11-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (SC)

Around XXXX XXXX this morning, I received a call from a local number that turned out to be XXXX XXXX XXXX. The person on the phone was rude, insisted I give her personal information and shared my birthday and zip code in an effort to get me to verify my identity. ( I didn't tell her this data, she told me and shared other info that should be private. ) Then the person said I had a debt of {$3000.00} and demanded that I take care of it. I told her this was involved in litigation ( from a car accident last year, ) and she demanded to know the date of the accident. I once again reminded her that I do not share personal data over the phone with strangers and she told me that the debt was from 3 separate incidents. She demanded again the date of the car accident. I told her again that I do not share info over the phone, and since she was escalating her demands, and her tone was threatening, I would be getting off the phone and I wished her a good day. She then threatened me with proceeding with further debt collection tactics at which point I hung up the phone. I feel shaken, and very upset. I don't mind working with people, but I will not be threatened over the phone by anyone.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

hiding a collection under exceptional payment history to deceive me ... ... ... ... ... 

proof will be in the attachment XXXX XXXX XXXX {$3100.00} Balance updated XX/XX/2020 XXXX late payments unfair practices
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

Subject : Cease and Desist Request Regarding Capital One Sak - False Late Payment Reporting To Whom It May Concern, I am writing to formally request the intervention of the CFPB regarding an issue with Capital One Sak. The bank has falsely reported a late payment on my credit report, which has negatively affected my credit score and financial standing.

I wish to bring to your attention that this action may violate 15 U.S. Code 1666b, which governs the timing of payments and the assessment of late fees for credit transactions. According to this statute, creditors must comply with the requirements regarding the posting and timing of payments to avoid the unlawful imposition of late fees. In my case, I have made all payments on time and in good faith, and the reporting of a late payment is erroneous and without basis.

Despite my attempts to resolve this matter directly with Capital One Sak, they have failed to correct the mistake. I respectfully request that the CFPB take immediate action to cease this false reporting by Capital One Sak and require the removal of this incorrect late payment from my credit report. 
Thank you for your prompt attention to this matter. I trust the CFPB will help ensure that my rights under federal law are protected.
Consumer complaint received 2020-11-18
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: AES/PHEAA (TX)

A few years back we entered into an agreement to have my student loans reinstated and have a payment plan. Part of our agreement was to have the late payments removed from my accounts and updated with all 3 credit reporting bureaus. This was never done despite us following through. This is now negatively impacting my credit.
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (PA)

i went to get a vehicle and they said they would pull from the company itself now i have several inquiries and from other im not aware of who inquired i would like to resolve this issue by removing the inquiries.