davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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. (MS)

I noticed that TRANSUNION is negligently reporting these inaccurate negative accounts on my credit report. I already tried to fix this with TRANSUNION but they did not send me any process on how they investigated these accounts. This is a violation of the Fair Credit Reporting Act which states that all the information reported on my credit report should be accurate and if ever I would send a dispute or file a complaint with them regarding an inaccurate account, they should disclose with me all the steps they took when investigating and validating the disputed account. 

These are the inaccurate accounts that are in my credit report : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AR)

Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Owner : XXXX XXXX XXXX  Reference Number : XXXX To whom it may concern, I, XXXX XXXX, demands arbitration with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I've demanded you to cease and desist all communications that the means with XXXX, XXXX, and XXXX. I also demanded you to provide the account file and original contract that has my signature on it, account Ledger from the open date through the last date of payment activity, all accounting documents from the open date through the last date of payment activity, all account transactional history from the open date through the last date of payment activity, and When was the last date of payment. 
If you are not able to provide proof of the re-investigation and all the information requested above, I am asking that these accounts be PERMANENTLY DELETED from my consumer report with all reporting agencies according to 15 USC 1681 i : Treatment of inaccuracies/ unverifiable information. 

A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the XXXX responsible for maintaining the account. 
Case law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting 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. (CA)

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.

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 2023-10-29
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: EQUIFAX, INC. (VA)

My credit repair specialist has sent in multiple documents to XXXX, XXXX, and Equifax as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and XXXX XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of XXXX, XXXX and Equifax about their unethical practices at their companies. On XX/XX/XXXX, there was a CFPB complaint sent in. This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. I filed with the CFPB again on XX/XX/XXXX. This is my last time doing this and I will sue all 3 companies. Everything that I have ever filed will be attached to this complaint for proof. Additionally, there have been new things added to my credit report that do not belong to me. What will it take for the credit bureaus to stop allowing false accounts to be added to my report?! 

Personal Information needs to be updated : Name : XXXX XXXX ( no middle name or initial ) THIS IS THE ONLY NAME THAT SHOULD SHOW Address : XXXX XXXX XXXX XXXX XXXX XXXX ( THIS IS THE ONLY ADDRESS THAT SHOULD SHOW ) Accounts that are STILL reporting, that need to be deleted : XXXXXXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Accounts that need to be updated. The late payments are inaccurate! 

XXXXXXXX XXXX XXXX  # : XXXX LATE PAYMENTS Shown are inaccurate. I've also contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # : XXXX Late Payments - I have also contacted the CEO of XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # : XXXX Late Payments - I have also contacted XXXX XXXX XXXX XXXX XXXX  with no help in return. 

XXXX XXXXXXXX XXXX XXXX # : XXXX Inaccurate Late Payment XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Late Payment
Consumer complaint received 2023-08-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Consumer Portfolio Services, Inc. (IL)

In XXXX and needed a XXXX so I went to XXXX XXXX of XXXX Illinois and had a deal on a XXXX XXXX XXXX all contacts were signed and was told once I drive it off the lot is no longer there problem a quote from the person in finance. Now we have a problem now they want more info and now they want a CO applicant when one was never needed before. I believe I'm an being discriminated against for being XXXX. I was always under the assumption that once the contract is signed the deal is over now they are telling me different. I can afford the payments on this XXXX I don't know what the problem is. It's my belief they misrepresented themselves from the start.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I am writing to you regarding discrepancies I have found on my credit report. 

Account : XXXX XXXX  Account # XXXX Why is this account being reported with 2 different dates of last activity? 
15 USC 1692 g validation of debt This account is written off as a charge off. This account is ran as a charge off and I have not received a 1099c cancellation of debt form. This account is inaccurate and is being reported on my credit report. 
I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account high balance and nor do I recognize the late payment associated with it everything reported here does not meet the FCRA. The negative item does not meet the FCRA reporting requirements. I do not understand why this item is being reported when I did not give written consent to share my information. 
This agency is in violation of 15 USC 1692g. they were also to notify me in writing 5 days prior, I was not notified.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My only name I go by is XXXX XXXX, the Consumer Reporting Agency has it listed as XXXX XXXX XXXX, I would like this updated. I also have several inquiries that I did not authorize, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am formally disputing any unverified or inaccurate information in my credit report, in accordance with the FCRA and Metro 2 data field reporting standards. I can not accept any claims of delinquency or derogatory marks without factual documentation, as this would violate federal and state regulations that require accurate and comprehensive reporting. It is concerning to see such potential violations of the law.
Consumer complaint received 2024-09-25
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. (TX)

I have discovered that the information being reported on my credit file by TransUnion, XXXX, and XXXX is inaccurate and has been wrongly verified as correct multiple times. This ongoing failure to correct the errors, despite clear evidence to the contrary, violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 611 and 623 ( a ) ( 1 ), which mandate that credit bureaus and data furnishers report only accurate information. 

I have attached documentation that irrefutably proves the errors, yet the bureaus continue to verify the information as accurate. This negligence is damaging my credit profile and is in violation of the FCRAs accuracy and investigation requirements. I demand that this inaccurate information be removed from my credit report immediately to reflect the truth. 

Please address this issue immediately, as continued misreporting will result in further violations of federal law.
Consumer complaint received 2022-11-14
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. (MS)

On XX/XX/2022 I 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 by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-11-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Clark County Collection Service (NV)

Hi, In XX/XX/XXXX I went to XXXX XXXXXXXX XXXX  hospital to visit my XXXX While I was there I lXXXX XXXX  in the hospital whole way then I woke up XXXX XXXX  after the hospital team instead to take me to a room and check my XXXX XXXX despite my request not to get any medical service then I got discharge after XXXXXXXX XXXX  I was not informed that I will getting charged for them checking my XXXX XXXX. Then I noticed in XX/XX/XXXX that its reported on my credit report as a medical collection bill of {$1600.00} from XXXX XXXX collection over the incident that happened at XXXX XXXX XXXX XXXX that happened XXXX. XXXX and I explained it above. In XX/XX/XXXX XXXX I field a dispute wheres XXXX XXXX over that collection since beside the fact I didnt agree on receiving any XXXX XXXX from that hospital from first place I also had XXXX XXXX cover that kinda incident and the despite me providing them with my XXXX XXXX the collection refused to resolve the issue since the medical bill has went into collection and the only way to remove it from my record is to pay it from my own pocket. The dispute file number that XXXX XXXX in XXXX is XXXX submitted in XX/XX/XXXX. The result of the dispute got denied from the Clark county collection services.
Consumer complaint received 2023-06-22
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. (GA)

This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance XXXX {$2000.00} XXXX Inquired on XX/XX/ XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/ XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NV)

Credit report shows debt owed by a 3rd party company that I have no contractual agreement with. My personal data and non public information was shared to LVNV funding by XXXX XXXX XXXX which includes my social, email address, date of birth, non public account information. This is consider identity theft by law. I didnt give permission to share or sell my personal information. With any person or third party.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BILL.COM, LLC (CO)

I had a Business Checking account with XXXX, who on XX/XX/2022 suddenly terminated my account. I immediately reached out to customer support, and was notified by XXXX on XX/XX/XXXX that they had discontinued their Credit Builder service. As such, they would return my funds ( {$120.00} ) within XXXX weeks. 

On XX/XX/XXXX I reached out again, having not received my funds and being unable to withdraw them manually. XXXX assured me my funds would be transferred within 57 business days to my linked checking account. 

As of XX/XX/XXXX, it is now 2 weeks since that last contact and more than a month since the first, my funds are still frozen, I am unable to withdraw them manually, and my Debit Card has also been canceled. I am locked out of my account, unable to access my money, and being lied to repeatedly.
Consumer complaint received 2023-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (CA)

Radius Global Solutions, is carrying a debt from XXXX XXXX that should have been paid by my insurance company. Radius Global Solutions LLC has NOT provided an address of the original creditor nor have they responded to my return letter disputing the debt. LLC 's are not recognized by Federal Law, and I am wondering why this company is attempting to act on debt collection in accordance with federal Law. I need them to relinquish the debt as it was not theirs in the first place.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Uplift, Inc (GA)

Uplift Inc has reported an account on my XXXX credit report that has already been satisfied and paid in full months ago. It is severly impacting my credit score in a negative way. Please help. The debt was satisfied in XXXX. Please see attached! The negative tradeline on XXXX needs to be removed.
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (MI)

I canceled my service with XXXX XXXX XX/XX/22 online, confirmation number XXXX. I returned my equipment on XX/XX/22. I was told at the end of both interactions, that I would not owe any money. The next month, I noticed an autodebit payment was made to XXXX for services dated XXXX in the amount of {$83.00}, dates I didn't even have the equipment to use the service. I called XXXX and they told me " the cancellation didn't go through, '' and they would refund my money in sixty days, which I found unacceptable considering they wrongfully took this money from me. I disputed the charge with my bank and the amount was refunded to my checking account shortly after by XXXX. Weeks later, I received a refund check in the mail from XXXX in the amount of {$85.00}. I had already received the money back from my bank, and I thought that meant everything was settled, so I mailed the check back to XXXX. Then, in XXXX, I received a bill in the mail stating I owed {$83.00}. I called XXXX and spoke with XXXX different people, none of which could tell me what this bill was for. I of course did not pay this bill because my service was canceled and I did not even have the equipment for the service dates billed. XXXX has now sent this " debt '' to collections. I have disputed this with the debt collector and now apparently it's in XXXX 's hands to determine if my dispute is legitimate or not. I am not paying a debt I do not owe and I do not want this affecting my credit. I have spoken to many people who have said this exact thing has happened to them with XXXX and its appalling to me that they are getting away with this.
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (OR)

This account is XXXX, Subserved by LoanCare.This file is in the Foreclosure Avoidance program. Which is required by the state of Oregon. 

Between XX/XX/XXXX and XX/XX/XXXX I the Homeowner provided my Housing Counselor with the documentation for Loss Mitigation review. The last document, a requested Letter of Explanation explaining why the Homeowner used a XXXX XXXX with an explanation of the eldest childs income and the XXXX bank statement was uploaded XX/XX/XXXX and the file submitted to the Beneficiary Counsel for the Beneficiary to review. 

Since my Housing Counselor believed it was a complete file, he contacted the Beneficiary attorney on XX/XX/XXXX and again on XX/XX/XXXX to inquire about the Loss Mitigation decision. 

XX/XX/XXXX was the 2nd Resolution Conference, and my Housing Counselor was only then informed by Counsel that LoanCare was confused by the request for Mortgage Assistance, deemed the file incomplete, and had communicated that to Counsel within the last couple of days. 

This lack of communications from the Beneficiary to Counsel so that I ( the Homeowner ) could resolve the issue in a timely manner is unacceptable because LoanCare never communicated that they considered the file incomplete until the Resolution Conference XX/XX/XXXX.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, On XX/XX/XXXX, I received a phone call from someone who spoofed their number to be Bank of America and said that my funds were going to be taken out unless I transferred the funds to a XXXX  authorized number. I ended up wiring the money over and filed a claim immediately which was denied by Bank of America. However, I think that I should be able to receive my funds back under the Regulation E act.
Consumer complaint received 2023-10-29
Product: Credit 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: Self Financial Inc. (VA)

The card is non usable based on the investigation of fraud. Approximately XXXX XXXX it was a charge for XXXX dollars for flawless beauty. I never made the charge or authorized this charge it was charged when I made the appointment which was made simultaneously for the same day. I want to CLOSE the entire account. I have had nothing but issues with his card and and company. I have no way to contact the merchant nor did I receive any services from the merchant in which they charged. I never contacted the merchant via email and no place to attend for the service and i even tried to reach out via telephone no telephone number or anything. This is why I reported it as fraud. But the Self is not resolving this issue aside from other issues in which they are not resolving I try to contact them because I can not purchase and this is when I am told the card is not working because of fraud but they would not send another card. I just want to refund the charge and close the account I have experienced nothing but a headache in dealing with them and no longer want t ordeal with them It is so difficult to communicate with them between the weekend and business hours and speaking with someone to resolve m y issue of the charge it is not worth it for the astronomical interest rate.
Consumer complaint received 2024-09-25
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 ).