davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

Back in 2016, I was contacted by Transworld regarding an emergency room bill they were assigned to collect. I agreed to settle the account and made payment to Transworld. No account from Transworld was reporting to my credit history at this time.

Later, I took a look at my XXXX credit report and saw that Transworld has been reporting the account as a collection account, even after I made payment. Their tradeline states paid in settlement but in the portion stating amount paid it is blank. My common sense would say they ( Transworld ) should at the minimum report how much was paid. 
I did dispute the accuracy of the information to XXXX XXXX, who stated they contacted Transworld and were informed to delete the entire account. So it is off one of my credit reports. However, when I made the same dispute to XXXX, XXXX   responded that Transworld reported back the information should remain unchanged on my credit history. I do not understand why Transworld would tell one credit bureau to delete an account and another to continue reporting it. It is not so much as reported as a disputed or contested account by Transworld.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

I had a car financed with TD Financial from XX/XX/XXXX until it was recalled by the manufacturer XX/XX/XXXX. XXXX paid the remaining balance due at the time of the recall to the finance company during the first quarter of XX/XX/XXXX. 
The finance company now shows this amount as written off as bad debt on my credit report. 
They also report that six payments from XX/XX/XXXXto XX/XX/XXXX are charge offs on my account. We were informed not to make additional payments after XX/XX/XXXX. 
I have contacted TD Financial twice about this matter since XX/XX/XXXX and was told that they would correct this. As of XX/XX/XXXX this has not been done. 
I have copies of e-mails from XXXX reflecting the payments made.
Consumer complaint received 2018-06-28
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: PNC Bank N.A. (IL)

PNC BANK account # XXXX is reporting this account negatively. To all 3 of the credit bureaus on my credit report. I will need for PNC BANK to provide me with the original instrument of indebtedness bearing my signature. Also I will need the photo copy of the government issued photo ID and photo copy of the social security card used to secure this debt. If this very critical information is not provided there is no way for PNC BANK to state this debt was created and definitely no way it can validate it is owed by me.
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I've called the 3 credit bureaus several times a week about this problem but the problem still persists. A company named " XXXX  '' reported that I missed 30 payments when in actuality I never missed one payment. XXXX reported that I missed 30 payments due to a bug, glitch, error or a rogue employee ruining customers life for the XXXX of it. I disputed the 30 missed payments and ask the 3 credit bureaus to ask the company to provide physical documentation/proof that I missed the 30 payments and that never happened. The disputes automatically get rejected and I get no where. This has to be illegal. I have another collection from XXXX, even though I asked them to verify my account with physical proof the 3 credit bureaus keep sending emails asking companies to verify debts with the press of a keyboard and no physical proof. Every time I call the 3 credit bureaus I'm connected with a foreign rep and we can barely understand each other so I'm forced to ask to be connected to a rep in the US so every time I call I'm on hold for over an hour before I can attempt to dispute the errors. The 3 credit bureaus help fraudulent companies destroy Americans lives for a profit. All 3 credit bureaus should be investigated for enabling criminal activity. It's not fair to hardworking Americans!
Consumer complaint received 2018-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

My issue with XXXX began on XX/XX/XXXX, the day I disconnected my service, please see attached return receipt.They then turn it over to XXXX XXXX see letter dated XX/XX/XXXX for the amount of XXXX, I then sent XXXX XXXX a certified letter disputing the amount owed, please find attached letter dated XX/XX/XXXX.Please see reply from XXXX XXXX dated XX/XX/XXXX, and XX/XX/XXXX that they are no longer going to pursue collection efforts. Please find letter dated XX/XX/XXXX, from Diversified Consultants for the amount of {$260.00}, Please find my dispute letter sent to them by certified mail and dated XX/XX/XXXX.which they never responded, the debt was never verified.I then disputed this debt with XXXX, please find attached letter sent by certified letter dated XX/XX/XXXX,  outlining the reasons that this debt was never verfield.
Consumer complaint received 2018-05-29
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION (PA)

I was approaching my freshman year of college when I needed to apply for a loan because I did not get enough money from Financial Aid to cover how much my schooling was. My school is approximately {$30000.00} a year. In my parents taxes, it says that they make enough to cover what they did not provide from FAFSA. Unfortunately, my parents do not help pay for my schooling, nor do they have the best credit. 
So on XX/XX/XXXX, my step mother used my dads information to be a cosigner on a loan from XXXX XXXX for {$21000.00}. I did not get approved. 
On XX/XX/XXXX, they tried to apply for another loan but using my grandma as a cosigner this time for the same amount, {$21000.00}. This did not get approved either.

On XX/XX/XXXX, my parents tried again. This time with my grandma in laws information for the same amount, {$21000.00}. This did not get approved.

On XX/XX/XXXX, my parents tried one last time. This time my step mother tried to use her credit information to see if she would get approved for the {$21000.00}. This did not get approved. 
As all of this was going on, I had just turned XXXX and did not know how credit worked. So therefore, i was not aware that trying to get a loan would continuously hurt my credit. I was shocked that my parents never made that aware to me either. 
We finally settled for the first loan we applied for that had an interest rate of 12 %!! 
Now, I am going to be a sophomore in college without another loan being approved. I do not know if it is because of these hard inquiries or if it is because of my parents bad credit. I would like to continue my education so I am sure it would help me a lot if I could get these inquiries removed. 
Thank you so much.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Number Num : Balance {$1400.00} Sir or Madam, I am writing in regards account XXXX Revenue XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section XXXX ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Consumer complaint received 2018-05-28
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. (FL)

Equifax has re-inserted fraudulent accounts on my credit report that have already been deemed as fraudulent and need to be removed. It is against the law for them to be re-inserted : 1. XXXX XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-05-28
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. (NV)

On XX/XX/18 Experian received a credit report dispute, disputing items including two bankruptcies.I have documentation from the furnisher/bankruptcy court stating the court records and dockets are available via PACER. I contacted pacer  via email asking how do they verify and they stated, " PACER  does not directly verify federal case information to third parties by phone, fax, or email. Experian also stated that XXXX does the verification for public records. I called and they stated no one has called to verify not one public record on my consumer report and I also have paperwork for XXXX stating that they could not verify the two bankruptcy records that are reporting as negative on my credit report. Experian has not done their job to accurately verify items on my credit report. Also, the FCRA section 611 states the furnisher of the information must verify. XXXX and XXXX have also stated that they have previously " verified '' both bankruptcies reporting adverse on my credit report.
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FM)

For a little over a year now, beginning in XXXX of 2017, XXXX XXXX has been reporting a XXXX collection to my credit for over {$2000.00}. I have attempted to dispute this account a number of times - both in writing to XXXX XXXX and via the credit bureaus as well - but XXXX XXXX continues to verify it as accurate and it remains on my reports. Despite multiple disputes and letters to the company requesting documentation, they have yet to provide any proof of the debt or charges that created it. I assert that I owe no debts to XXXX and do not know why there is an outstanding collection in my name. As XXXX XXXX refuses to send me any verification, I am still in the dark on this matter.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

I am a XXXX and use an electronic medical record ( EMR ) to prescribe medications. In order to prescribe electronically, our EMR verifies our identity through experian. I also have change my name ( I got XXXX ), and moved twice in the past two months.My name is complicated because I go by my first and middle names ( XXXX XXXX ). My legal name is First : XXXX Middle : XXXX XXXX Last : XXXX. I have changed all the proper information including ; my social security card, my prescribing licenses, my bank accounts, and student loans. I have not been able to get through to Experian. There is no human on the phone line only automated responses, none of which help me with my problem. I contacted XXXX successfully, and XXXX which reluctantly gave me a credit report. I have my credit report in front of me while filling out the verification for the EMR, however I am denied each time. I have contacted the EMR directly who insists that it is a problem with the credit bureaus. Whoever is to blame I have had an awful experience with Experian. I can not get through to anyone to ensure my name is correct. The other credit bureaus recommend me contacting all my creditors to change my name ( which I have ).
Consumer complaint received 2018-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

VICTIM of their inquiry issue! 
Customer Service would not help and take care of the negative inquiries reporting. Customer service was Extremely rude and vulgar. 


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
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I look on XXXX XXXX daily. I saw a company called XXXX XXXX XXXX as a hard inquiry on my credit report on XX/XX/2018. I never authorized my credit to be ran by this company. I do not want a car. I have one. I contacted the fraud department. After researching they told me that The application was done online and they do not have a hard copy and my SS # is one number different than the applicant and the credit bureau accidentally merged our information. I called the credit bureau Equifax and they stated it is not possible to have that happen and to call XXXX and have them submit an electronic request to have the hard inquiry removed from my credit report. When I called XXXX back they said they could not help me and transferred me to their parent company XXXX XXXX. XXXX told me XXXX will just keep transferring me to them bu there is nothing they can do because they do not have an application from me to even discuss with the credit bureaus about. I am all out of options. Everyone keeps telling me they cant help me. I am being penalized for something i did not do and I need the help of the CFPB to get this fixed. I understand an inquiry does not have a large impact on my credit score but I have a good amount I did myself and I am getting ready to purchase a home in the future and I do not want to be penalized for something I never did. Please help me. 

XXXX XXXX
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

MY NAME IS XXXX XXXX MY SOCIAL SECURITY NUMBER IS XXXX DATE OF BIRTH XX/XX/XXXX PHONE XXXX XXXX ON XX/XX/XXXX MY CHASE XXXX XXXX   CARD XXXX XXXX XXXX XXXX CARD NUMBER XXXX XXXX XXXX XXXX WAS UNDER REVIEW BY THE REWIED DEPARTMENT PHONE XXXX XXXX HOURS XXXX TO XXXX I SPOKEN TO A LADY AROUND XXXX THAT CALL IS ALSO RECORDED I ASK HER WHY MY ACCOUNT IS XXXX XXXX AND THEN SHE TOLD ME THAT IT TAKES 10 DAYS TO COMPLETE, SO I ASK HER IF THEY CAN DO THE REVIEW QUICKER BECAUSE I HAVE TO PAY MY KIDS SCHOOOL BILL FOR PRIVATE SCHOOL, AND SHE TOLD ME THAT MY ACCOUNT LOOK OK IT SHOULDNT BE ANY PROBLEMS AND GETTING THE BLOCK REMOVE OFF IT I ALSO STATED THAT I APPILED FOR THIS CARD AND THAT ALL CHARGES ARE VALID. SO SHE NOTED EVERY THING I SAIS AND ALSO THAT CALL WAS RECORDED TOO, SO AROUND XXXX I GOT A CALL ON MY OTHER NUMBER XXXX XXXX THAT THEY COMPLETED THE REVIEW AND THAT EVERY THING MATCH ON MY ACCOUNT AND THAT THE BLOCK WAS REMOVE, SO I TRIED TO USED MY CARD THEN ALL OF SUDDEN THE BLOCK WAS STILL ON THERE I CALL SECURTY OPERATIONS AND THEY TOLD ME THAT EVERY THING WAS OK AND THAT WAS ACCOUNT WAS JUST OVER LIMIT THEN ALL OF SUDDEN I CALL CHASE XXXX DEPARTMENT AT XXXX XXXX AND THEY TOLD ME THAT MY ACCOUNT WAS CLOSE DUE TO HIGH BALANCE AND CASH TAKE OUT, I TOLD THEM THAT I SPOKEN TO SOMEONE ELES AROUND XXXX AND THEY TOLD ME THAT EVERTHING WAS OK ON BOTH OF MY CREDIT CARDS, AND THAT OTHER REP I SPOKEN TO SAID THAT SHE WILL FORWAD THIS TO HER SUPERVISOR TO TRIED TO REINSTATED BOTH OF MY CARDS. AND THAT SHE SEE THE NOTES HER ON MY CARD. MY COMPLAINT IS THAT CHASE XXXX XXXX XXXX DEPARTMENT XXXX UP HER BY CLOSING MY CREDIT CARD UNFAIRLY, THEY DISCRIMINATE HEAR BECAUSE THE OTHER PERSON ISPOKEN TO TOLD ME EVERY THING WAS OK AND I THINK THAT THEY CLOSE IT BY MISTAKE, I UNDERSTAND THAT I HAVE A HIGH BALANCE ON THE CARD BUT I HAVE TO PAY MY BILLS AND ALSO HAD TO PAY MY KIDS SCHOOL BILL, IM SURPRISE THAT CHASE SHUT DOWN MY CREDIT CARD AND I HAVE LITTLE BABIES, I WAS PLANNING TO GO SHOPING AND BUY CLOTHES FOR THEM CAN YOU TALK TO CHASE CARD SERVICES AND SEE IF THEY CAN REINSTATED MY CREDIT CARDS
Consumer complaint received 2018-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have disputed an incorrect account on my credit report with the three major credit bureaus : XXXX, XXXX  and TransUnion. They have not provided any documentation to validate or verify the account, even after I informed them that I never opened an account with XXXX XXXXXXXX. The account is showing closed as of XX/XX/XXXX and is also indicating that the account is past due as of XX/XX/XXXX. I would like this account to be deleted from my credit file with the three major credit bureaus. As I stated before, I have disputed this account with all three bureaus twice : XX/XX/XXXX and XX/XX/XXXX, and despite informing them that I have never opened an account with XXXX XXXXXXXX and none of them providing documentation to validate or verify the account, they have not done so.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing as a last ditch effort to gain some assistance and hopefully you will be receptive to my issue. I am in the process of purchasing my first home. I have a serious barrier that I am facing which are XXXX Paid/Release Georgia State Income Tax Liens on my credit report. When I first received these liens I was XXXX years old and going through a divorce which caused me to suffer financially as I was also attending XXXX at XXXX XXXX at the time, while working full-time as well. Since then I have been working hard by myself to repair the damage this divorce caused me so that I can purchase my first home on my own. Georgia, unlike the IRS XXXX XXXX Program and several other state agencies, does not have a process for withdrawing paid state tax liens from individuals credit and will also not withdraw/expunge the paid tax liens based off goodwill. Rather, even though they are paid and uncontested, they remain punitive towards myself. Even though I am a first time home-buyer, due to my single status with no children and my income I am ineligible for any down payment assistance programs. So any help to improve my credit score is extremely appreciated so that I can qualify for a good mortgage program with my credit union and receive a good interest rate. I am writing in hopes that your office can help me along with other individuals who face this same issue. Georgia State Tax lien laws are very archaic in nature and really need to be reviewed. I have taken this up with several state agencies in Georgia along with my local representative who never responded to me. Paid tax liens should not continue to be punitive in nature as so many thing rely on credit these days and circumstances vary extensively. I thank you in advance for your time. Below I have provided the Book numbers for the tax liens I am referring to. Also attached showing they are reporting on all three of the major credit bureaus and the paid and released tax liens. 

XXXX has already agreed to and completely removed these items from my credit report ( seen attached from my most recent credit report. ) XXXX XXXX