davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
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)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2017-10-02
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. (SC)

I have disputed with the bureau about a bankruptcy in file. They informed me that XXXX have them the information. XXXX in formed me that they did not share any of my information with and credit reporting agency.
Consumer complaint received 2018-07-21
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: Experian Information Solutions Inc. (TX)

Experian, XXXX XXXX, XXXX has all violated my rights as a consumer costing millions dollars with inaccurate information trying to fix these items fts and police report has been sent but no action its time to make they pay and hold them accountable please advise the best action should I get a lawyer or should I try to resolve this for the 4 month in a row this will be my last attempt file with the XXXX and XXXX police dept which all companies involve have the report numbeers
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

I have a loan with NAVY FEDERAL CR UNION. 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 NAVY FEDERAL CR UNION with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The credit report agencys keep upate my credit report with mis use information.and nothing updated in a timely matter .My credit score is going down badily ... I don't know what these companys doing and its a lot inquires on my credit .I don't understand how this credit agency get to get over like .Transunion, XXXX and XXXX.I need my fico score to be updated .Everytime I turn around my score low.I sent all my paper work to prove my stuff was accurate .Also I was fraud victum and someone stole my social security number, This is so important to get this straight.I m not getting treated fair because they ripping me off .I always dream to have a 700 to 800 credit score .Everytime they changimg my credit score and they keep allowing bad things to go on my credit .Also all three companies is being sued to get over on people.I want XXXX XXXX XXXX XXXX to good stands positive to be updated,,, ,XXXX XXXX company my credit saying I owe them. , ,, ,XXXX  off my credit XXXX not my accountXXXX ..student loan off XXXX off the school closed down,,,
Consumer complaint received 2018-01-07
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: EQUIFAX, INC. (VA)

I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my Equifax report. I also have XXXX hard inquiries on my XXXX report from XXXX XXXX.
Consumer complaint received 2018-01-07
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. (VA)

I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX report. I also have XXXX hard inquiries on my TransUnion report from XXXX XXXX.
Consumer complaint received 2018-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

on XX/XX/XXXX- XX/XX/XXXX, i was involved in a scam. that morning of XX/XX/XXXX, i logged into my XXXX account and it said that i had been victimized, for lack of a better word, and that all my account info had been stolen. immediately i XXXX for a number to call XXXX and resolve this. i have since been told that XXXX does not have a listed phone number. but, when i XXXX the number came up as XXXX. i immediately called the number and spoke to a man, XXXX XXXX , at ext. XXXX. he told me yes, my account had been hacked and that i had 115 trojans showing. he also told me all my credit card info had been hacked, as well as my bank account, etc. i have to tell you i was scared to XXXX. i am a single XXXX year old vetran living on social security XXXX and i was shaking. he told me XXXX had a resolution for this problem. he told me i would need to buy {$300.00} worth of XXXX XXXX cards and they would be used to handle the cost of restoring my firewall and no one would be able to hack me again. he assured me the money would be refunded by XXXX within 5 to 7 days. i went to my XXXX XXXX and purchased the cards. he stayed on the line until i returned home and read him the numbers off the XXXX worth of cards. he then told me it would take 12 hrs. to restore all my accounts and to call him the next morning. the next morning i called and he announced that we were halfway there. he then told me i would have to purchase an additional XXXX worth of cards and read him the numbers off the cards. again he waited on the phone while i read off all the numbers. he told me to rest assured that XXXX would be refunding me the money. while i was waiting on hold, pictures of the actual XXXX  operations bldg. were shown i guess so i would feel safe. at this point i questioned him again about the refund and again i was told this was how XXXX took care of hacker problems. in his next breath he told me i would have to get an additional XXXX worth of i tunes cards to continue. i told him i could n't and he got nasty with me. it was then that i thought i may be being scammed. i told him i was going to turn him into the bbb and he laughed. i hund up and immediately called both credit card companies that i had used and told them what had just happened. i was told by the first to rest assured that i was covered and was not liable. not to worry. the second credit card company told me to wait 5 days and they would handle it, again no worries. so i believed i was ok. both credit card companies have since told me there is nothing they can do and that i 'm responsible. i am just sick over this. the other man i talked to was XXXX XXXX, XXXX id # XXXX, XXXX. the next man was XXXX XXXX at ext. XXXX when i tried to call them back i got a recording that the number was no longer in service.
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX account Loan # XXXX Showing on my credit report as being late payments incorrectly. XXXX made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX account Loan # XXXX Showing on my credit report as being late payments incorrectly. XXXX made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My credit report all messed up and it should be excellent I have had no credit card no car payment no house payment It 's XXXX 2014 is when XXXX and TransUnion messed up my score it 's XXXX please help me I 'm homeless due to XXXX XXXX A XXXX Veteran Dependant Survivor Not only that my family are upstanding citizens that owned there own business in XXXX Oregon my grandfather used to be a XXXX when they used to drag logs by horseback my father very well renound was a XXXX in the same shop That house was in our family for over 100 years Please fix things I deserve a much needed brake I also have a Meteor That 's huge
Consumer complaint received 2018-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (HI)

Multiple ILLEGAL ROBOCALLS that have been reported to the XXXX each time yet nothing is done. I HAVE NO DEBTS so I know these calls are bogus and they come at times that are also illegal. The number the calls come from is XXXX from XXXX and XXXX debt collectors. I have never gotten a letter or any other information about any debt owed. Please do SOMETHING ABOUT THIS ILLEGAL BEHAVIOR!
Consumer complaint received 2018-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (WV)

The XXXX XXXX XXXX website was down whenever I went to make my payment, which resulted in my payment being overdue. Further, the link to enable auto pay on the website does not work, so I could not have even setup Auto Pay to avoid this issue all together. The office that I am supposed to call into to resolve problems is not open, and overall I find this ridiculous for a credit company to have these flaws.
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Date : XX/XX/XXXX Report # XXXX Experian has on my credit report XXXX XXXX as {$770.00} showing as written off. 

there has not been nothing by Experian as proof of this amount from XXXX XXXX. 

I have provided from XXXX a letter from XXXX XXXX in which does not state no money owed. 

I sold the car to a buyer in which is recorded with Califorina DMV in which if there was a balance stated by Experian why did I have my title. 

I have provided proof from XXXX XXXX letter Dated XX/XX/XXXX I need proof other wise by Experian something showing from XXXX XXXX this amount of {$770.00}
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Date : XXXX XXXX 2017 Report # XXXX Experian has on XXXX XXXX XXXX XXXX showing {$1900.00} as written off I need from from Experian from XXXX XXXX XXXX XXXX there was {$1900.00} written off. 

This car was traded in on another car with the title.
Consumer complaint received 2018-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (NC)

Southern Management Systems is currently attempting to collect a debt that I do not owe. My original contract with XXXX XXXX, was paid in full. Before Southern Management Systems obtained this " debt, '' I asked for validation from XXXX XXXX. I have NEVER RECEIVED VALIDATION that this debt is owed.
Consumer complaint received 2017-10-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Northstar Location Services, LLC (ME)

I have a student loan in the original amount of roughly {$28000.00} with XXXX XXXX. The loan is currently with Northstar, and has passed to XXXX and a few other companies. I was enrolled in a 0 % interest program and have been paying on the loan for almost 8 years now. My current balance is roughly {$34000.00}. My loan has also been bought and sold to numerous companies without my knowledge. I have enrolled in the reduced interest program repeatedly, only to find out there was a mistake on the companies behalf, and that I would have to enroll all over again, meanwhile being charged exorbitant interest rates while being a few dollars off on the payment amount to qualify. The most recent example of this was in the winter of XXXX ( XXXX or XXXX. ) I was paying {$150.00} per month, and the representative told me there had been an error and and I needed to be paying {$160.00} to be on the 0 % interest program. Between XXXX and XXXX, they had asked me for a {$1000.00} down payment to be entered into a 0 % interest program. They failed to tell me it was only good for 6 months, and then did not contact me when it ended. This happened a number of times. My account was being sold from company to company, all demanding large down payments to be in reduced interest programs. I know I have payed off around {$15000.00} over the past 7 years, and somehow my principal balance seems to keep going up. I am currently receiving demands through Northstar Location Services. I am currently paying {$160.00}, as they told me last time I called I was off by {$8.00} to qualify for 0 % interest- so they blatantly lied to me.
Consumer complaint received 2017-10-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (GA)

Ability Recovery Services is attempting to collect a debt that I do not owe. My credit profile took a huge downfall due to the company reporting several accounts as collection accounts. The information they are reporting to the three credit bureaus ( XXXX, XXXX, and XXXX ) is incorrect. 

The company states they are collecting on behalf of XXXX XXXX Department. The accounts that Ability Recovery Services are attempting to collect have " service dates '' that were covered under a charity care that was provided to me from the hospital, XXXX XXXX XXXX XXXX. XXXX Emergency Department utilizes this charity care program as well. Due to communication issues not involving me, my charity care was not forwarded to the XXXX Emergency Department and my coverage was not applied to several accounts. In addition, these same accounts were sent to collections without notification to me and, as expected, really hurt my credit profile. 

In an attempt to help this matter, I provided documentation to the Gainesville Emergency Department showing that I was covered 100 % during the service dates. The XXXX Emergency Department agreed and confirmed this information upon receiving copies of my approval letters. The XXXX Emergency Department said they would forward the information to Ability Recovery Services. I have called several times and Ability Recovery Services have said that they are not sure if the information have been received and was not sure ig if corrections were applied yet. I took it a step further and decided to send the documentation via certified mail to Ability Recovery Service myself. 

I feel this is unfair and I would like this fixed immediately. I want to ensure that Ability Recovery Services corrects this error, remove this information, and cease reporting this incorrect information to all three credit bureaus. 

I also want to prevent this incorrect information from being reported again in the future and/or sold to another collection agency. I would like this situation cleared up immediately. Thank you.
Consumer complaint received 2017-10-01
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: EQUIFAX, INC. (MD)

I XXXX XXXX believes that XXXX XXXX XXXX has no choice but to delete the account currently posted on my Equifax Report, and that Equifax missed the proper reporting of the account. The credit trade line shows date of first delinquency as XXXX XXXX, but XXXX XXXX XXXX cut off all payment history from XXXX XXXX through XXXX XXXX. The account falls within the XXXX rule timeline, and should be deleted immediately and permanently. Accordingly, I request a full reinvestigation by Equifax as the statement posted by XXXX XXXX XXXX shows that I am 100 % right in the review of the Fair Credit Reporting Act rule pertaining to obsolete and outdated trade lines. PLEASE DELETE THIS TRADE LINE PERMANENTLY!!!
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

I had phone with XXXX they shut off stating I owed them thousands of dollars for charges I didnt owe they shut your phone off if you dont pay one months payment, I had phone in about XXXX this is XXXX and they are on my credit report for XXXX dollars they have been on my report for 15 years there is no way I owe XXXX dollars they shut my phone off and I should only owe for one months payment not XXXX dollars how can I owe so much if you are late one month they shut your phone off they are trying to ruin my credit and charge me for an outrages amount of money that there is no way I could owe XXXX they dont let anybody charge thousands of dollars to there account if you dont pay your bill every month they shut it off and they have been on my credit report for about 15 years changing collection agencys to do so please help me get this stopped they do same thing to thousands of other people too, Ive disputed this for years so Im filing this complaint to try and get this matter resolved thanks for your help
Consumer complaint received 2017-10-01
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: Conn's, Inc. (TN)

I have been disputing this issue with the creditors and the credit reporting agencies XXXX  for the past XXXX years about this account! XXXX has removed this fraudulent account from my credit report on the second attempt, but XXXX has not resolved my issue at all! I have sent in the supporting documents and the police reports as well!! I have tried on numerous occasions to resolve this issue about. They are saying that I have an open account for the balance of {$7300.00}. This was open without my consent and my personal information and identification was fraudulently used!!
Consumer complaint received 2017-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Asked both transunion XXXX and XXXX to delete fraud inquires and accounts off my credit report and they have failed to do so after they said I would have an update with the deleted items within XXXX hours and after XXXX no change I was told this twice once a month ago and recently this week the credit bureaus also failed to send me an updated copy of my credit report along with updating personal information such as name address and employer were never updated
Consumer complaint received 2017-10-01
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: ENCORE CAPITAL GROUP INC. (MI)

There is a debt on my credit report from Midland Funding LLC. This debt was purchased from XXXX XXXX. The amount of the debt is for {$920.00}. This debt appears on the XXXX, XXXX and XXXX credit reports and has been reporting since XXXX XXXX. I have disputed this debt with all three credit reporting agencies with no progress. I have contacted Midland Funding LLC several times because according to their website I qualify for a hardship that is outlined on their online Consumer Bill of Rights, which states : Article 2 : Hardship Consumers Who Are Servicemembers, Victims of Natural Disasters, or Who Are Experiencing Medical Issues, Job Loss, or Other Hardships We actively seek to identify active duty servicemembers and stop collections from those servicemembers. 
We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. 
We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster. 
We cease collection activities when we receive documentation indicating that the consumers only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that the consumer has access to no other assets. We work with and are sensitive to consumers who encounter unforeseen circumstances, such as job loss. 

When calling Midland Funding LLC I 'm told each time by a customer service agent that no such program exists, after I explain that this does exist and it is on their website I 'm then transferred to a consumer care representative who then asks me what makes me think that I qualify for this program. I then explain my illness which is XXXX XXXX and that my income is only XXXX XXXX XXXX. I 'm then told that I need to contact someone named XXXX XXXX XXXX, who is an XXXX that works for Midland Funding LLC and work out everything with her office. I then explain to the CSR that the hardship is through Midland Funding LLC and that Midland Funding LLC is the business that is reporting this to the three credit bureaus. Then on every call I 've made I go back and forth with a CSR that I will not be calling any other office other then Midland Funding LLC because that office is not the entity that is reporting to the credit bureaus or the company that is offering the hardship. Midland Funding LLC then states that they will send an email to XXXX XXXX XXXX stating what I had stated to Midland Funding LLC and then I can call back in 7-10 business days to find out the results. I call Midland Funding LLC back in the 7-10 business days and then the process starts all over again, with no results.