davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
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)

Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only XXXX XXXX XXXX XXXX  only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truthin commerce, so be it, and ; LIST CREDITOR ACCOUNTS HERE : XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX  {$720.00} XX/XX/XXXX
Consumer complaint received 2021-01-29
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. (MN)

I am disputing late payments on my current XXXX XXXX XXXX XXXX Auto Loan Account and XXXX XXXX Auto Loan Account thats currently listed on my XXXX, XXXX  and Trans Union credit report. I have never missed a payment with XXXX XXXX XXXX XXXX or XXXX XXXX. The information is inaccurate and incorrect. All of my auto loan payments to XXXX XXXX XXXX XXXX and XXXX XXXX has always been on time payments.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I can't provide exact dates because I have been trying to get this matter settled with XXXX XXXX  XXXX, XXXX. ; XXXX XXXX ( C.E.O. ), XXXX XXXX ( C.E.O. ) and XXXX XXXX ( C.F.O. ), for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. 

I am also a XXXX Veteran. I am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of XX/XX/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.
Consumer complaint received 2021-01-22
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. (IL)

I contact Experian via certified mail on XX/XX/XXXX asking them to investigate, verify the late payment charge from XXXX XXXX XXXX XXXX. I It has been beyond 30 days. This late payment information needs to be deleted from my record. 

I contacted XXXX XXXX  directly and they too have no proof of late payment. Experian is fraudulently maintaining this record.
Consumer complaint received 2022-07-21
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)

This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

I have sent them ( AmeriHome ) my letter from the county with my exemption for taxes. They are not responding to my tax exemption. Instead they are withholding taxes and not obeying the regulation concerning vets. I have called them and was told they will eventually get to it. I do not want to pay unnecessary taxes and have to file to get them back.
Consumer complaint received 2020-12-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Inquiries that have no permissible purpose to appear on my credit report XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I'VE CONTACTED EACH COMPANY AND THE EXPERIAN, XXXX  XXXX XXXX AND ASK FOR PROOF THAT I CONSENTED TO THIS INQUIRIES WELL AS THE ACCURACY OF THESE INQUIRES AND I SENT BACK AND FORTH IM NOW REQUESTING DELETION
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2021-01-29
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. (LA)

I settled with the companyy for {$2500.00} in XXXX. They received funds on XX/XX/XXXX. I was told they would update my account 10 days after receiving payment. I spoke with them again today and everything is still in limbo. I have attached a copy of my payment and want this updated immediately. Initially, XXXX updated a letter in stating their last payment was in XX/XX/2020. This is inaccurate. I have emailed them multiple times, and have called every day since the beginning of XXXX. This is disappointing to say the least. They do admit to being in receipt of my money now.
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (MA)

My name is XXXX XXXX and I am writing to you to submit a complaint against XXXX XXXX XXXX XXXX. 

On 2021, I took a loan of {$4200.00} from Comenity/ XXXX XXXX XXXX XXXX  which I had been paying every month. I have paid over {$1500.00} so far but my balance never goes down. My balance is still {$3700.00} (! ) After a year of monthly payments. I usually call them the month before my payment is due, on the XXXX of every month, to schedule the payment through my debit card to avoid being late. But they purposely wait until the XXXX of every month to collect the timely scheduled payment so to also collect late charges. I believe this is is an illegal practice that is very unfair to the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2021-01-29
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)

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX INQUIRIES : 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 

These accounts and inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. I am requesting to permanently remove these accounts and inquiries.
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (TX)

I had a phone bill with XXXX {$400.00} which was created by error because XXXX refunded my payments in XX/XX/XXXX. Upon realizing the mistake, XXXX reached out to me through a collections company called Amsher Collections. The account was opened with Amsher as record # XXXX Opened XX/XX/XXXX, reported to credit agencies XX/XX/XXXX. Soon after I was informed about the bill, i immediately paid it off. Amsher collections agreed to delete this from my credit through the credit agencies. Today, account is still showing on my credit report and Amsher is now refusing to owner their commitment. They are sying, they never said that they will delete from my record. I am reaching out to you to help me get this deleted from my credit record because Amsher Collection agreed to do so and I honored my part and paid them immediately. Please assist so Amsher can get this record deleted from my credit report. Thank you
Consumer complaint received 2022-05-02
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. (GA)

I. Filed initial FTC Report XX/XX/21. Requested directly disputed id theft info deleted and/or blocked. 
II. CRA XXXX refuses to abide by the intent and meaning of the statute and is perpetuating hardship with continued new reportings of past due amounts provided by XXXX XXXX. This is re-aging and against the standards as defined. 
III. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

IV. Please investigate & escalate non-compliance.
Consumer complaint received 2019-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Coast to Coast Financial Solutions, Inc. (FL)

Hello, i am a identity theft victim as shown on my credit report. 
i have no idea where this debt came from. 

after receiving the debt collection letter i called the company to ask additional information about the unknown debt over the phone ( ( XXXX ) XXXX ) after at least 15 calls i spoke with the a person which refused to give me the information and threatened me with collection on the credit report. 
After the phone call i sent a letter to " COAST TO COAST FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX '' with request of more information bout the debt such as : contract, my signature and any other related information about the debt.. ( copy of their debt collection letter attached to that letter as well ... ) its more than month and half and still nothing. 
ill ask to remove this collection notice from my credit report because a failure of debt proof .. 

thank you
Consumer complaint received 2022-03-11
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: Amsher Collection Services, Inc. (TX)

I am filling this complaint because reporting this account completely confuses me. I am not sure why this account is coming in and out with different collection companies in my credit report. Please know that i tried to this issue resolved by the collection company and credit bureas. The account I am disputing is AMSHER COLLECTION SERVICES. I received a collection attempt from this agency and this item is being reported in XXXX credit bureaus. In XX/XX/XXXX the original debt from XXXX XXXX XXXX XXXX, balance of {$2100.00} was reported in FRONTLINE AS with XXXX account number XXXX. In XX/XX/XXXX I disputed this account directly to FRONTLINE AS to inform them that I was charged for equipment that I never received and I have email documentation which I attached to this letter showing that they confirmed the equipment being re-routed to the warehouse and receiving the equipment in the warehouse and adjusting my bill with XXXX XXXX for XXXX XXXX XXXX XXXX XXXX decided to sell this off immediately to a 3rd party collection - even after I spoke to them - and I called once this hit my credit report to solve the issue and they mentioned to me that it's too late because the debt was sold off already to XXXX XXXX didn't have the right to collect or report this in my credit report because of their negligence. I also requested for validation of debt to verify that I am responsible for this account and contract until then I did not receive anything in mail. And in XX/XX/XXXX this account was removed from my credit report and now the same original creditor and balance is reported in AMSHER COLLECTION SERV on XX/XX/XXXX. 
I am filling a CFPB complaint to have this issue resolved right away. I am worried by the lack of responsible reporting. My credit score suffers tremendously because of their negligence. Collection companies being reported on and off in credit reports is punishable by law. My personal information being sold out to a third party is something I should not experience if XXXX investigates and resolved this issue before. 

I would like to request for the same validation of debt I requested previously with XXXX. If your agency can not provide validation of debt I demand this account removed from my credit report.
Consumer complaint received 2022-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-02
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 in one or more ways. 

XXXX XXXX  AXXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX & XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I am writing to formally dispute a recent report submitted by Columbia Debt Recovery, which has adversely impacted my credit report. I was unaware of any outstanding debt until my lender informed me that Columbia Debt Recovery placed a collection for attorney fees totaling {$140.00} on XX/XX/XXXX. Columbia Debt Recovery then reported to all three credit agencies without having informed me of a debt collection. 

The original creditor for this alleged debt is XXXX at XXXX, where I held a lease for a two-bedroom apartment from XX/XX/XXXX to XX/XX/XXXX. During this period, I paid all rent, additional charges, utilities, and shared complex utilities on time, without any late payments. Upon vacating the apartment, I ensured it was left in a clean, undamaged, and its original state at the start of my tenancy. I have retained photo documentation of this condition. 

I was subsequently notified via the rent portal for excessive fees related to painting, carpets, and blinds that did not comply with XXXX  XXXX XXXX XXXX. I requested an itemized bill for these charges but received no further correspondence from XXXX at XXXX. 

Upon discovering the collection report by Columbia Debt Recovery, I made multiple attempts to obtain a detailed explanation and supporting evidence of this debt from both Core at XXXX and Columbia Debt Recovery. Unfortunately, I received no response, documentation, or proof to verify the legitimacy of this debt. 

Given the lack of evidence and the unresolved nature of this dispute, I request that the reported debt be removed from my credit report immediately. The entry is inaccurate and unsubstantiated. 

Please inform me of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2022-07-09
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. (LA)

So I sent a letter off on XX/XX/2022 and her is my tracking number XXXX through USPS and was delivered on XX/XX/2022 at XXXX. According to the Fair Credit Reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not to supposed to share my information to third party people.
Consumer complaint received 2024-08-10
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. (CA)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2019-04-27
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: Platinum Holdings Group, LLC ()

My identity was compromised while I was oversees serving in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX.  During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX 1.XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX XXXX XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX XXXX XXXX 6.  XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX XXXX 9. XX/XX/XXXX XXXX XXXX 10. XX/XX/XXXX XXXX XXXX  11. XX/XX/XXXX XXXX XXXX 12. XX/XX/XXXX. XX/XX/XXXX
Consumer complaint received 2022-06-04
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. (LA)

A debt collector fraudulently used my personal information to attempt to collect a debt that is reporting inaccurate on my credit report. I believe the law according the FCRA 15 USC1692K applies in this situation 1. XXXX XXXX  # XXXX
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TX)

The XXXX XXXX XXXX XXXX XXXX XXXX displayed felonious charges on my credit report. After disputing the charge, it was officially knocked down to a {$0.00} balance. Yet, the company continues to submit the fictitious charge. I spoke with the agent and forwarded the email from Experian to provide proof, and also informed her it would be illegal to attempt to place these charges on my credit statement.