davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: United Student Aid (USA) Funds (GA)

I have XXXX different collections XXXX with navient. After they started garnishment of my XXXX I made payments to all XXXX collection agencies, and was told after a certain amount of time garnishment would end. I spent five hours today to get information on having the garnishment stopped. Navient told me to contact dept of treasury they transferred me back to collection, was told to call dept education. They told me they have not received any paperwork to stop garnishment and call navient. Called navient again and this time was told septic education was supposed to send me the paperwork in the mail. I have received anything like that.
Consumer complaint received 2024-11-06
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. (GA)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-05
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. (GA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BSI Financial Holdings, Inc. (NJ)

Re : XXXX XXXX XXXX BSI Financial Services acct # XXXX I purchased my home in XXXX of XXXX. In the Fall of XXXX, I began receiving mail from XXXXXXXX XXXX XXXX BSI Financial Services. Through deception, BSI stated that they were my mortgage company. 

I have no contract with BSI and never have. They have extorted me once for approximately {$40000.00}. Then made several attempts extort me again. 

BSI has harassed me, taken my money, overcharged me and added fees to an alleged debt. When I write to them, they take 30 days to respond and say that it is the lawful amount of time given to them. If a response is received, they avoid some of the questions or inquiries as to withhold information. 

BSI has unlawfully purchased my personal/private information and my promissory note. and when I even submitted an allonge to correct the blank indorsement, they disregarded it. 

BSI has committed Identity theft by selling my information multiple times, to third parties without my knowledge and consent. 

BSI used XXXX XXXX to threaten me to pay BSI money that was not owed to them. When asked to show me a signed agreement with my wet-ink signature, they refused on several occasions to provide such. 

The actions of BSI have been the major factor in the decline in my health, economic wellbeing, and the inability to live a life in pursuit of happiness. 

Please see the attached Affidavit of Truth that was sent to BSI along with their response. They are not able to send a proper response which could rebut any of the points that were on the document. 

Please let me know of any and all other documents that youll need as you look further into the plethora of violations that they have committed. We are requesting your protection
Consumer complaint received 2024-11-05
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. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-10-05
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. (LA)

For the past two months, I have been trying to get a total of 7 hard inquiries removed from my credit report that I did not authorize. The inquiries and unauthorized dates are listed as follows : XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX XXXX, XXXXl ( XX/XX/XXXX XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. I sent several dispute letters and I even contacted them several times as well to verify these inquiries and the information comes back verified. I contacted Equifax again and they prompted me to call EACH creditor to retrieve a " Letter of Deletion ''. When I contacted each creditor and requested a letter of deletion, EACH creditor informed me that there is no record of " XXXX XXXX XXXX '' in their system. Therefore, I sent Equifax another letter to verify their method of verification and requested specific details to ensure verification and Equifax failed to do so ; these inquiries again came back as verified. I contacted the bureau again to seek further assistance in these inquiry deletions and no one seemed to help me resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and I've went over and beyond to get this matter handled. I feel devalued as a consumer and customer of Equifax. At the time of these inquiries, I was in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/2020 I made a payment to Tjmaxx Credit card in which I accidentally selected the wrong account to be paid from. This payment was the third payment I was making that month on the account so {$0.00} minimum payment was actually due at the time. I also paid on XX/XX/2020 {$64.00} XX/XX/2020 {$100.00} and XX/XX/2020 {$30.00} they told me that they closed my account due to lack of payment which is a false statement as I pay 3 times a month. No contact was made with me dispite the claims of their customer service representative and I feel this is wrong as this os going on my credit report as '' CLOSED DUE TO LACK OF PAYMENT '' Many people are suffering at the hands of this company and something should be done about it. So please read XXXX  complaints and Customer Affairs they are ruining the credit of many of people that do not deserve it including myself which I have worked hard to restore
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (TX)

I was a XXXX customer. I wasn't satisfied and asked how to send the equipment back. I was told I would be send a box and stickers to ship it back that I never received. When I started getting bills for the equipment I called several times and said that I had it and was ready to send it back once they helped me and the told me that even if I returned the equipment now it would not remove the debt owed and they had turned it over to collections despite my many attempts to return it. I do not have date because this happened years ago.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

This account was charged off on the following date : XXXX, 2023. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX  XXXX, account number : XXXX
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-03-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings (LA)

On today XXXX I was at work and I received a phone call from XXXX requesting payment on my account. I just spoke with XXXX on Friday XXXXwhen she called my personal phone telling her I will make a payment on XXXX and I also told her I was at a funeral and I had to go But I will reach back out to them on XXXX. I told XXXX that I have made several request not to be contacted at work and that I am not allowed personal calls she stated " When I called your phone number it said your number has been disconnected " I told her my number is not disconnected and I told her to hang up and call me on my personal phone. I called her back because she never called me, I then called her back on my personal phone and she accused me of blocking the number. I did not block any number and it still stands that I DO NOT WANT TO BE CONTACTED AT WORK!!!! Something need to be done I am reaching out to you as to what is the next step because she was aware I was not to receive calls at work and she called any way. Maybe it is something wrong with they're phone, she should not assumed I blocked her calls, she do not have my permission to call me at work and she need to be handled for this
Consumer complaint received 2020-11-17
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CB1, Inc. (OR)

I am XXXX. 
Faxed letters dated XX/XX/XXXX, XXXX, and XX/XX/XXXX informing CB1 Collections to cease and desist all contact and that I would only work with the creditor. I have received repeated phone calls have been made to me on XXXX, XX/XX/XXXX, XXXX, and again today on XX/XX/XXXX. The individual who called me today said his name but I had to ask him who he worked for. After he told me CB1 Collections, I hung up. I attempted to fax CB1 Collections another letter after they called me this a.m. However, I received an unsuccessful fax transmission notice ... CB1 Collections should be fined for violating the FCRA and noticed to stop calling/contacting me, period ... I have made repeated attempts to contact the creditor via fax, email, and mail without any response from them regarding settling the debt too ...
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (AR)

It says an account was opened on XX/XX/XXXX with the account number of XXXX. The account is in coll and was last updated on XX/XX/XXXX. The account holder is Berlin Wheeler out of XXXX, KS XXXX. I have not had any contact with this company ever and I've tried for a whole year to allow them to fix this error. The original company is XXXX XXXX and they can not show me the original contract or a copy of my identification to show where and when the alleged account was made. This alleged account of XXXX is causing a lot of issues and affecting my lively hood.
Consumer complaint received 2024-01-29
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. (AR)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open account associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open account issue, Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open account issue had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open account on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed withinthe specified timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 XXXX : {$10000.00}.
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (AZ)

To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid 19 Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of 8 years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
6. XXXX XXXX XXXX XXXX XXXX, Credit Limit= XXXX, Balance= XXXX, Dates reported late = XX/XX/2020 2020
Consumer complaint received 2024-11-05
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. (CA)

I contacted the following reporting agencies which are XXXX, Transunion, & XXXX and made it clear that these items -XXXX XXXX Acct # XXXX -XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX -XXXX XXXX XXXX  Acct # XXXX -XXXX XXXX XXXX XXXX Acct # XXXX -XXXX XXXX Acct # XXXX are not my accounts and Ive been a victim of identity theft and they have yet to abide by the fair credit act and remove these unauthorized fraudulent accounts.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Healthcare Finance Direct LLC. (IL)

Back in 2023... I financed about {$1800.00} or to have my teeth straightened with smile direct club, with {$250.00} down and {$88.00} a month.. half way through back around XXXX of XXXX I get an email stating smile direct club is no more and has filed for bankruptcy case no. XXXX with the southern district of Texas XXXX XXXX XXXX So no more services could be obtained.. no support, no trays to continue with the straightening of ones teeth or anything. 
Than I began to receive calls, text messages, mailings and withdrawals were taken out my bank account from a company named healthcare finance direct. A company that invested with smile direct. I asked them to stop calling, messaging and sending me mailings, thats fraudulent to try to collect on smile direct behalf when they ended treatment. They wont stop Im not the only one. 
I blocked the company, I blocked my bank account.. but I still get the mailings.. please help I have to start all over Im out of money and my teeth are still not straightened, its not right those company is trying to collect in smile direct behalf and they ended services. 
full address is # XXXX XXXX Healthcare Finance Direct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (PA)

SOUTHWEST CREDIT SYSTEMS FAILED TO PROVIDE A VALIDATION OF DEBT. THEY ARE REPORTING INACCURATE INFORMATION TO THE CREDIT BUREAUS ; XXXX, XXXX XXXX XXXX. THIS IS A COLLECTION ACCOUNT AND IS REPORTING AS OPEN. THIS IS A CLEAR VIOLATION OF 15 USC CODE 1681S-2. A COLLECTION ACCOUNT CAN NOT REPORT AS OPEN. THIS IS ALSO A VIOLATION OF 15 US CODE 1681B-CONGRESSIONAL FINDINGS AND PURPOSES.

b. THIS COLLECTION ACCOUNT IS REPORTING AS LATE/PAST DUE. THIS IS A CLEAR VIOLATION OF 15 USC CODE 1681S-2 INACCURATE REPORTING. A COLLECTION REPORT IS NOT THE ORIGINAL CREDITOR AND THEREFORE CAN NOT REPORT AS LATE OR PAST DUE. THIS IS ALSO A VIOLATION OF 15 US CODE 1681B-CONGRESSIONAL FINDINGS AND PURPOSES.
Consumer complaint received 2024-11-05
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. (TX)

Per 15 USC 1681c-2, unauthorized hard inquiries are affecting my credit report. Please remove these inaccurate entries as they harm my score. Thank you!