davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-19
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: PDQ Services, Inc. (GA)

In XXXX  of XXXX I went to XXXX XXXX XXXX XXXX to see a Dr. Before all my treatments were done the Dr died and the office was closed immediately. At the time of my visit I was covered with XXXX  and XXXX  to pay for medical expenses. After the office was closed with no forwarding address and contact and without my knowledge a collection account was added to my credit file for XXXX. I became aware of this, pointed it out to XXXX, made two disputes and XXXX  refused to remove the item. The collection agency PDQ Services in XXXX Ga also refuses.I had no opportunity to communicate with them to head off any other issues. XXXX  and XXXX XXXX properly removed this item the same day that I disputed it with them. After 2 complaints and 2 months XXXX  continues to report this item as fact. I has also created a negative impact on prospective lenders that I have contacted.
Consumer complaint received 2021-08-19
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: The Receivable Management Services LLC (FL)

These companies failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''. Please remove it from my credit report. They have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA
Consumer complaint received 2021-08-19
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: CCS Financial Services, Inc. (FL)

These companies failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''. Please remove it from my credit report. They have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.
Consumer complaint received 2022-06-22
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. (CO)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX - XXXXXXXX XXXX XXXXXXXX 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. 



In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-10
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. (IL)

On XX/XX/XXXX, I received a copy of my credit history report from Bureau. That Report contained incorrect information reported by Credit Bureau. 
I contacted the - customer service department of XXXX XXXX XXXX to request deletion of this inaccurate data from my Credit History Report. After a thorough verification with the bank XXXX been told by one of the agent that I was never late on my account and they will correct the error. Here is my ID number I was provided by conversation over the phone XXXX. They insist that your company claims this information to be accurately reported. 


XXXX XXXX XXXX XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
This negative mark is damaging to my credit. Please remove immediately incorrect information from my credit file.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

My mortgage was in forbearance status from XX/XX/2020 to XX/XX/2020. My first payment was due XX/XX/2020 ( see attached letter ). I paid the XXXX payment on XX/XX/2020 and the XXXX payment on XX/XX/2020 ( see bank statement ). The late fee is not added until the XXXX of the month. Both payments were made well before this date. I called Fifth Third Bank in XXXX and was told that my account had not been coded as being in repayment and so the XXXX payment was never applied instead it was placed in a holding account. So, a late fee was incorrectly accessed and it made my XXXX payment appear short. Accordingly, no payment was reflected for XXXX or XXXX ( because it was indicated as a partial payment ). I was told in XXXX that the problem created by the bank failing to apply the XXXX payment had been corrected. I was also told that there had been no negative reporting to the credit bureau. I obtained my credit reports and the bank reported a 60 day late mortgage payment in XX/XX/2020 although my payment was never late. The bank created this issue by not applying the XXXX payment. I have been denied credit due to the bank 's negligence. I need this problem corrected immediately.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-08-19
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. (GA)

I had an account with XXXX XXXX XXXX account # XXXX and the account was paid off. Since the account has been paid off, I continue to look at my credit reports from XXXX, XXXX  AND TRANS UNION and continue to note this account continues to be re-aged by the credit bureaus adjusting the charge off date/ status of the account. As a result, I have disputed this item directly with the credit bureaus XXXX, XXXX  AND TRANS UNION and each time the credit bureaus report the account is verified as ACCURATE via XXXX XXXX XXXX As a result, I have disputed this account directly with XXXX XXXX XXXX via letter and via phone calls and each time, XXXX XXXX XXXX states they are note responsible for the reporting of the account and I must dispute directly with the credit bureaus - in which I have SEVERAL times and XXXX  XXXX XXXX continues to ignore my requests. 

Even when I send evidence with my disputes, the credit bureaus state the account is verified as accurate via XXXX XXXX XXXX With the continued evidence and detailed disputes, XXXX  XXXX XXXX and XXXX , TRANS UNION continue to verify the account as accurate. I have included the letters I have sent XXXX  XXXX  XXXX with copies of the inaccurate credit reporting. I need help to ensure my rights under the FCRA is protected. According to the FCRA to avoid the illegal re-aging of this account by the credit bureaus ( inaccurately changing the date of first delinquency on a consumers account to a later date ). According to the laws of the FCRA If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. In addition XXXX XXXX XXXX violated my rights when it failed to action. According to the FCRA when information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, you must promptly notify the CRA and provide corrections or additions. This didnt happen and I demand this account be removed for FCRA violations. Even my letter to the CEO has gone unanswered. PLEASE ASSIST Me
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-08-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (FL)

I reached out to Ally Bank Auto Loan Dept in XX/XX/2021 letting them know of financial issues we were experiencing due to the pandemic. I notified them that we were late on payment due to that and we were still in need of assistance. They were able to complete a loan payment extension for other months, but still reported my account 30 days past due for XX/XX/2021. This has impacted my family to extent that is unimaginable. We cant get refinanced on our home ( cant afford payments after pandemic employment changes and pay changes ) due to this late payment reporting. I reached out several times and all customer rep with exception of one was able to reach to management. All other stated I would get a call back. No call backs. I tried to reach Ally Bank to file a complaint nobody could help me. We have never been late on our payments, and they would not complete a good faith exception due to pandemic for negative credit reporting. These companies need to take that into consideration, all facts on the account and current situations.
Consumer complaint received 2021-08-19
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: ALASKA COMMISSION ON POST SECONDARY EDUCATION (AZ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MN)

Hello- I received an email from XXXX XXXX on XX/XX/XXXX notifying me that my Macy 's account was recently closed, which was a complete surprise. I logged onto my Macy 's credit card and it showed that they closed my account on XX/XX/XXXX. I never received any advanced notification that my card would be closed and I have had this account since XXXX ( 20 years ). I contacted Macy 's via email on XX/XX/XXXX requesting them to re-open the account and informed them this could negatively impact my credit report while trying to secure a home mortgage. Macy 's responded on XX/XX/XXXX and informed me my card was closed due to inactivity since XXXX. This is completely untrue and I just used my card on XX/XX/XXXX to return a item for {$9.00} that was purchased in XXXX. 

Besides that, Macy 's seems to forget that we were in a worldwide pandemic where their stores were closed for the majority of XXXX and they have had reduced hours ever since, making it difficult to shop there to even use this credit card. Had I known Macy 's was planning to close my account, I would have made a purchase just to keep this card open and to especially maintain my credit rating. I definitely planned to use this card in the future and now I could be at risk for having a mortgage denied because of this unexpected credit card closure.
Consumer complaint received 2023-10-13
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: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2021-08-19
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. (CT)

Hello. I've been sending out disputes to all 3 bureaus transunion, XXXX, and XXXX  since XX/XX/XXXX which were my first letters for inaccuracies and Violations of The CFRA that are on my credit report. For 9 months all these bureaus will not budge and do what is lawfully my right to have these accounts deleted and removed from my credit report. 
It is now XX/XX/XXXX and still these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX that have been reaged and have been in Violation For months now which I have proof of. 
Also 2 accounts which are over the statute of limitations : DEP OF ED XXXX XXXX DEP OF ED XXXX XXXX that the dept of Ed is reporting and XXXX XXXX XXXX XXXX Which is in violation because it is reporting Activity in the payment history section after this account has been closed and charged off 4 years ago. 
As well as XXXX  reporting my name As XXXX XXXX XXXX which is not my name. 
My name is XXXX XXXX XXXX. I don't even know where XXXX  comes from or how it got on my report. 

They keep violating my rights by not doing a proper investigation and breaking the laws of the FCRA from what I've read by not deleting these accounts that are obviously not reporting correctly. 
Please help me to make them delete these accounts which they are lawfully bound to do because these accounts are creating so much stress In my life and I'm a XXXX woman with a number of health problems and this is not Fair to me. Thank you.
Consumer complaint received 2021-06-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Insight Management Partners, LLC (TX)

XXXX called and informed me of the debt. Got hostile when I told him to respond in writing. Told me Im 46 and to pay my billsthis is ridiculous when I tried to explain my rights he laughed and told me I said the wrong thing.
Consumer complaint received 2021-08-19
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: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I had an account with AUTOMOBILE ACCEPTANCE CORP account # XXXX and the account was paid off. Since the account has been paid off, I continue to look at my credit reports from XXXX, XXXX  AND XXXX XXXX and continue to note this account continues to be re-aged by the credit bureaus adjusting the charge off date/ status of the account. As a result, I have disputed this item directly with the credit bureaus XXXX, XXXX  AND XXXX XXXX and each time the credit bureaus report the account is verified as ACCURATE via AUTOMOBILE ACCEPTANCE CORP. As a result, I have disputed this account directly with AUTOMOBILE ACCEPTANCE CORP via letter and via phone calls and each time, AUTOMOBILE ACCEPTANCE CORP states they are note responsible for the reporting of the account and I must dispute directly with the credit bureaus - in which I have SEVERAL times and AUTOMOBILE ACCEPTANCE CORP continues to ignore my requests.

Even when I send evidence with my disputes, the credit bureaus state the account is verified as accurate via AUTOMOBILE ACCEPTANCE CORP. With the continued evidence and detailed disputes, AUTOMOBILE ACCEPTANCE CORP and XXXX  , XXXX XXXX continue to verify the account as accurate. I have included the letters I have sent AUTOMOBILE ACCEPTANCE CORP with copies of the inaccurate credit reporting. I need help to ensure my rights under the FCRA is protected. According to the FCRA to avoid the illegal re-aging of this account by the credit bureaus ( inaccurately changing the date of first delinquency on a consumers account to a later date ). According to the laws of the FCRA If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. In addition AUTOBILE ACCEPTANCE CORP violated my rights when it failed to action. According to the FCRA when information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, you must promptly notify the CRA and provide corrections or additions. This didnt happen and I demand this account be removed for FCRA violations. Even my letter to the CEO has gone unanswered. PLEASE ASSIST Me
Consumer complaint received 2021-08-19
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: Consumer Portfolio Services, Inc. (CA)

I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Consumer complaint received 2021-08-19
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: Bliksum, LLC (CA)

I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Consumer complaint received 2022-10-22
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: SANTANDER HOLDINGS USA, INC. (FL)

To whom this may concern, I XXXX XXXX have reached out to this company regarding a debt on my credit reports from Santander consumer USA it is reporting open it and is also reporting I have late payments. This account is not my account I do not have an open account with this company and the balance is incorrect as well as the payment history reporting on my transunion report. This company agreed to getting this corrected back in XXXX 2022. This length of time is unacceptable and I would like this resolved immediately please.