davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Simon's Agency, Inc. (IL)

I received a collection notice for {$1500.00} from Simon 's agency Inc. dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I notified them that we are disputing the validity of this debt as : 1.We were billed for services not performed. 
2.We did not authorize some of the services that were performed. 
3.Some of these charges are for fraudulent billing. Simon 's agency has been notified about this. 
4. My insurance and I have already paid them about {$1600.00} Instead of providing us the requested info Simon 's Agency reported this amount to credit bureaus both as " unpaid '' and " collection '' in an attempt to damage my credit report. When I wrote back to them they informed me that they have reported the account as disputed. However, none of the credit reporting agencies is reporting the account as disputed. 

In spite of my repeated requests Simon 's Agency has not properly investigated this matter and has not provided us the information that we requested. I last wrote to them on XXXX/XXXX/XXXX. 

As a result of misreporting of this information to credit reporting agencies My credit score has dropped by about XXXX points.
Consumer complaint received 2024-10-26
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 2016-08-12
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (GA)

I was told by the big picture loan that I would have to pay back {$540.00} for a loan of {$400.00} to this date of XXXX/XXXX/2016 I have made XXXX total payments of {$140.00} via automatic draft from my banking account Which equal up to {$560.00}. I have not been late or missed a payment. When I called today to question them about a letter I received from Big Picture Loans for another loan. I assumed my loan was paid in full. I also recieved a email from a XXXX stating that my application had been approved. I did not apply for a loan with them and I believe Big Picture Loans sold or gave out my personal information. I have already paid them more than I borrowed and more than what was stated to me would be my payback amount of {$540.00}. While I was on the phone with the rep she offered me a " courteously '' waive of charges if I gave them permission to withdraw {$400.00} from my account ... .THAT 'S {$940.00} that I would have paid for borrowing {$400.00}!!!!
Consumer complaint received 2024-10-26
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. (MO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNCOAST CREDIT UNION (FL)

I am writing to formally dispute the recent credit report that contains duplicate entries for my account. The duplicate entries are being reported with the same creditor and open date. 

I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt, including the amount, the original creditor, and the date the debt was incurred.

Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe.

Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices.

Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

On XX/XX/year> I tried to sign up for an Experian account so as to place a security freeze on my credit report. I was unable to verify my identity online and called the provided phone number. The automated assistant was also unable to verify my identity and refused to transfer me to a representative no matter which call tree option I went down, leaving me with no recourse to place my freeze online or by phone. They had a third option to submit the freeze by uploading appropriate documentation in XXXX format but the upload center errored out all three times I tried it.
Consumer complaint received 2024-08-02
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. (FL)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Recently I have obtained all three of my credit reports for review and consistency. I noticed errors and inaccurate reporting by furnishers reporting to your bureau. Upon investigating all reported accounts by furnishers to your bureau for accuracy and consistent reporting, I would like to point out inconsistencies and errors that grossly affect and damage my credit scores. 


I am angry. You are delaying doing your job! I need my credit profile restored as soon as possible. There are MANY errors I am trying to fix and I am getting the RUNAROUND from you people! 


If I don't get my results from my request to you - I will file a complaint on you. For litigation I AM tired of your stall tactics! YOUR inaccurate reporting is what is causing this mess in the first place! 


As you can see it is quite apparent that the inaccuracies listed above is a mistake on either your part or the reporting creditors part. I am politely asking that you delete these items from my credit report. 

I overstand the process of the investigation is to reach every individual company to verify the accuracy in the information reported. In accordance to FCRA 611 ( a ) ( 7 ) and in your response to my requests, please include a complete description of all methods used to investigate and how you reached your conclusions. This way I will know which source to pursue in the event there is a failure to correct. We both desire accurate reporting and understand that there are legal remedies to protect my rights when errors are pointed out and there is a failure to correct. 

Please forward me an updated credit report after you have completed your deletions and corrections.
Consumer complaint received 2016-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (LA)

I 've disputed and fought with fedloan servicing over the reporting of my accounts for the last 6 months and their record keeping and responses have been nothing but shameful. It makes me sick to think that they are in charge of so many consumers debts because they ca n't get mine right nor can they even respond with the appropriate accounts with the correct date opened etc. It 's truly a disgrace. I have disputed XXXX particular accounts with Fedloan Servicing and their first response to my XXXX page dispute sent Priority Mail was all of XXXX sentence long and just simply stated they could n't report any corrections before my credit report was reporting accurate information. How is it that I spent hours typing up this dispute and they spent {$20.00} to mail it and make sure it was received to receive a pregenerated generic response. I spent hours on the phone with customer service, I spoke to managers, and noone could understand what was going on with my loans. I sent a second letter disputing the XXXX accounts and sent my mail certified and received a response that did help me to understand the reasoning behind their decision, however, they listed XXXX accounts opened in XXXX of XXXX and only XXXX opened in XXXX of XXXX. The XXXX accounts I was disputing were both opened in XXXX of XXXX so truly their response still did n't answer my dispute/complaint in regards to the XXXX accounts opened in XXXX of XXXX. NOWWWW after reviewing my XXXX credit file, suddenly there are no longer XXXX derogatory accounts XXXX opened in XXXX of XXXX and XXXX opened in XXXX of XXXX but now as of XXXX there are XXXX derogatory accounts including a new one supposedly opened in XXXX of XXXX. Never did I have a student loan in XXXX of XXXX and I 'm confused as to where this even came from. Now I 've got to spend hours of my time to complain and tell this story and try and get a response from them that actually makes sense. Nowhere on the national student loan database nor on the Fedloan Servicing website do I show any loan opened in XXXX of XXXX. This has been an absolute nightmare and I 've put at minimum 40 hours into researching and trying to make sense of what Fedloan servicing has done with my student loans that are now preventing me from getting a home. Please see the attached documentation and try and make sense of their insanity. There were only XXXX derogatory Student Loans with them in XXXX reporting to XXXX and as soon as I start disputing and trying to make sense of their insanity, they then go and throw an extra loan with the same derogatory account history as the accounts I 've been trying to dispute. This has got to be illegal and I will not stop fighting until my credit report is correct. After 6 months and a multitude of letters being sent, this should not be an issue I 'm still having to deal with.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-10-26
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. (RI)

I need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.
Consumer complaint received 2024-10-25
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)

Re : Request for Blocking and Deletion of Fraudulent Account and Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent account activity and credit inquiries appearing on my credit report. I request that the following account and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2024-10-25
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. (AZ)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2016-07-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hello, My Capital One credit card account has charged off on my credit report. I did a balance transfer in XXXX XXXX from Capital One to another credit card in order to consolidate. On XXXX XXXX, XXXX, I received my FIRST phone call from a collection agency that works with Capital One. Apparently I have a {$5100.00} balance on my Capital One card and Capital One has not received a payment in over 6mths. This is the FIRST communication I have received from Capital One in regards to this matter. They stated the balance transfer never went through and the account has now charged off. I scheduled payment with the collection agency immediately to pay the full amount that is in sitting in collections. My payment history with this company has been stellar until XXXX XXXX, when I assumed the balance transfer took place. If I would have been informed 30-60 days after missing a payment I would have ensured to take care of the matter. How is it possible that a company NEVER reaches out to the consumer in cases like this? 
Desired Resolution : Correction to a credit report Desired Outcome I would like this charge off removed from all XXXX credit bureaus due to the fact I was never properly notified. My payment history with Capital One has always been perfect until this matter. I feel that Capital One has a duty to contact consumers within 30-60 days of a payment being late in order to avoid situations such as this.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

XX/XX/XXXX XXXX XXXX XXXX, XXXX ambulance service of XXXX, WI was dispatched to my home, where I had fallen. For which the total cost is now showing on my credit report as a delinquent amount of {$3000.00}. As recent as of XX/XX/XXXX and to remain till XX/XX/XXXX. Is now in the hands of XXXX XXXX XXXX.
I would not have known this outstanding derogatory bill was on my credit report Except I began the process of buying a home.
I have had XXXX Insurance since XXXX. Some how XXXX, XXXX XXXX XXXX deemed me responsible for the bill, for which I explain to them XXXX would take care of it. However it did not. On XX/XX/XXXX I contacted XXXX Supervisor XXXX XXXX XXXX ( XXXX ). He advised me to talk with XXXX in billing. Both had explained to me there was no longer a balance due and XXXX explaining that XXXX ( XXXX XXXX XXXX XXXX XXXX ) who assist in medical where XXXX does not, Had taken care of the balance, according to XXXX XXXX, this mater was handled onXX/XX/XXXX.
I have also spoke with the XXXX XXXX XXXX and it seems as though the matter is getting worse.
There are two other matters on My Credit Report as well for which I have satisfied but have not yet been deleted as resolved.
However I am filing complaint one at a time, this one being the largest and most difficult.
I hope I have included all that is needed for this matter to receive your attention.
Please Help.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have contacted and sent Fraud Affidavits to Experian with regards to the Inquiries that are reporting on my credit file and incorrect address information. To date, Experian have not remove these items from my credit file. I have been a victim of identity theft and I will like these items removed : Inquiries, Incorrect Addresses : XXXX XXXX, XXXX, GA and XXXX XXXX, XXXX, GA. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting any results.
Consumer complaint received 2016-12-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OR)

I received a letter dated XXXX/XXXX/2016 from XXXX XXXX in the XXXX inviting me to call him with any questions. The number Navient provided was XXXX. This number is not a good number. I was re-directed to call XXXX. This is also a non-working number.