davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-17
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. (IL)

I have been trying to get this company to report each month to the credit agency 's our monthly payments and correct balance for almost a year now. I have been monitoring my husband and I credit report every month and to no avail XXXX XXXX XXXX will not report every month like they should. Which is causing every month for my debt to income with my car loan not to decrease every month. I received my credit report from TransUnion today and the last time this company reported was XX/XX/19. Today is XX/XX/19, and they have not reported my XXXX  payment. I was told three months ago when I spoke with a rep that they knew of the problem and would fix it, but the problem still exist on my husbands and I credit reports. My husband and I could not be the only consumers having this problem. I pay them every month, they need to report to the credit agency 's every month. If they didn't get their payment I bet they would report.
Consumer complaint received 2019-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRSTBANK (AZ)

I had a checking account with FIRST BANK and some of there fees caused the account to go negative and they reported this as a charge off on my credit report. It is reporting as a line if credit that was charged off. This was a checking account with no credit associated with it. I requested a validation of debt and never got any response. Just a response stating they will not further investigate after I disputed it again.
Consumer complaint received 2019-05-17
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. (IN)

The purpose of this letter is to inform you that my identity has been compromised and that the following accounts do not belong to me. I have filed the necessary paperwork and ask that you please remove the following accounts from my credit file. 

1. XXXX XXXX 2. XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-17
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. (OH)

I have had a few issue with old or inaccurate information and unverified accounts on my credit report. There is an account from XXXX XXXX XXXX**** # XXXX****, is in current status and was never late please remove the 90 days late not accurate?? I have an account that was resolved with the original creditor. I never done business with XXXX XXXX XXXX # XXXX**** please delete. I have a unverified account XXXX XXXX XXXX XXXX XXXX # XXXX this account is not accurate please delete.
Consumer complaint received 2019-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I consolidate my loans in the amount of {$42000.00} principal and {$4700.00} interest equaling {$47000.00}. However Navient says I owe {$51000.00}. I am not sure how it got to that much. Also my monthly payments only go to the interest at this rate I will never be able to pay them off. I have sent a email asking about my payments and balance consolidated. I got an generic email back that did not answer my questions. I have tried to call several times and remain on hold forever and never getting someone on the phone. I would like to know where the extra {$4000.00} came from and how come none of my monthly payments go toward my principal and I am getting no answers from Navient.
Consumer complaint received 2019-03-05
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: Ascendium Education Group (CA)

I am a victim of Identity Theft and The Federal Trade Commission-Consumer Response Center-FCRA has been contacted and a complaint has been filed also I filed a police report and the FTC ID Theft Report on file. The accounts that are in question were originally with XXXX XXXX, the sold to XXXX, then sole to XXXX XXXX, and I have addressed the issue and they were deleted with All the Credit Bureaus. Now another company bought them under the name Ascendium Education which is reporting ( 4 ) accounts on my credit file ... Now another company called XXXX. XXXX XXXX XXXX XXXX XXXX is trying to buy the debt.
Consumer complaint received 2019-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (CA)

XXXX/XXXX internet is harassing me and has sent me to a collection agency, for a bill/internet contract that is not mine. I rented a room in my home to a XXXX XXXX XXXX XXXX, who apparently entered a 2 year contract with them, before moving out just a few months later. ( moved out maybe XX/XX/XXXX ). 
At some point their failed attempts to collect from XXXX, they decided to attach my name to his contract, since I also live at the address. After them confirming I wasnt part of the account and had no access to information on the phone, they sent my name to collections. 
I called XXXX again XX/XX/XXXX, and they claimed there was no account. I provided the number on the mail, they said I owed XXXX . They said i entered the contract when they intalled the satillite ( they claimed XXXX ). I informed them I was at work on a XXXX XXXX  shift that day. I informed them i never had the chance to sign, and wouldnt have knowing XXXX reputation for outstanding debt collectors. They then claimed I entered the contract verbally at some point I wasnt aware of. This cycle continued, XXXX saying anything they could to scare me into paying XXXX debt. 
Informed the self proclaimed supervisor named XXXX, I have enough stress, and my time is valuable, if my credit is belmished by this corperations unethical and illegal attempt to scare me into paying a debt that isnt mine, I would take legal action. He told me to do that. 

XXXX phone XXXX collection agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

Let this be the 3rd notice that I have repeatedly demanded Aargon to cease any communication with me per the FDCPA. They sent me another communication to verify the debt which I HAVE NOT ASKED FOR. I want this company to cease and desist ANY and ALL communication with me through any medium. XXXX XXXX continues to send me communication after I have told them to stop. Proof of me asking this company to stop contacting me is attached. I have filed a claim in my local justice court for this continued harassment please see attached.
Consumer complaint received 2019-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (OH)

I found this unrecognized account CHOICE RECOVERY INC # XXXX*Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (CA)

The company Checkr and the company XXXX XXXX are reporting information that is older the 7 years. Its complicating my ability to obtain work. I reach out to both companies and they wont correct the error.
Consumer complaint received 2019-02-25
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: QuickClick Loans of Illinois, LLC (CA)

I disputed the Account of XXXX XXXX with XXXX more than 4 times requesting to see verification that I owe this debt. They have failed to do so. All that I receive back from them is a credit report that shows validated. To my knowledge I have never opened an account with XXXX XXXX and I would like for XXXX to validate this account with a person and out the use of XXXX   or any other automated validation systems and validate that they have the original signed contract for this account. 

XXXX has violated my rights because they have not produced a signed contract or any other contractual obligation that binds me to pay XXXX XXXX. The misreporting of this account is affecting my quality of life because I am not able to attain credit due to the severity of this account.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your  reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. 
I am currently SELF Employed please remove XXXXXXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX I never work for these companies. 
XXXX XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-02-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have a checking account with Bank of America. I knew that I had some significant charges that were going to hit my account around XX/XX/XXXX, so I transferred {$3000.00} from my XXXX XXXX savings account to the Bank of America checking account on XX/XX/XXXX. Some of the charges hit the checking account on XX/XX/XXXX, but the on-line transaction activity statement for the account showed that the account had a balance of {$170.00} as of the end of the day on XX/XX/XXXX. However, the bank still hit me with a {$12.00} overdraft fee and hit me with a {$100.00} cash advance from a credit card. I called the bank 's customer service phone line to find out what happened. The customer service representative said that I had an overdraft position on XX/XX/XXXX with the " in-process '' charges were included. When I told the representative that I had a {$170.00} at the end of the day on XX/XX/XXXX with the in-process charges, she hung up on me. 

I believe that the actions of Bank of America were unethical and illegal. In addition, even though XXXX XXXX XXXX  stated that the {$3000.00} was transferred on XX/XX/XXXX, it was not credited to my Bank of America account until XX/XX/XXXX. Bank of America always holds the funds for a day before crediting them to my account, which also seems to be unethical and illegal.
Consumer complaint received 2019-05-17
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. (IN)

The purpose of this letter is to inform you that my identity has been compromised and that the following inquiries do not belong to me. I have filed the necessary paperwork and ask that you please remove the following accounts from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-17
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)

A couple years ago I was involved in a medical data breach and my personal information was exposed. I never checked my credit because I didn't have a reason until recently. My wife and I are planning to buy a house and I was informed I have accounts on my credit that I did not open. I contacted the companies directly but received no response.
Consumer complaint received 2019-05-17
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. (FL)

A couple years ago I was involved in a medical data breach and my personal information was exposed. I never checked my credit because I didn't have a reason until recently. My wife and I are planning to buy a house and I was informed I have accounts on my credit that I did not open. I contacted the companies directly but received no response.
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (LA)

Soo Ive had an active, open account with regions for over 4 years now? Im not sure where too even begin but I guess Ill start in XX/XX/XXXX ; My wife and I started trying to XXXX! Of course a couple of loans were needed to make this happen but itll all most definitely be worth it right?!? Wrong! Regions has gotten AT LEAST 4 thousand dollars out of me in excessively abusing the over draft/ returned fees. Which in return has made me late on my rent x2 months, car note and so much more! I havent received 3/4 paychecks in the past month or so. Ive called numerous times trying to close my account due to SMALL subscriptions I couldnt figure out how to stop. There was probably a total of 6/7 employees telling me it was my fault, always on my end, never anything they could do to help. I HAD to have a XXXX balance and nothing pending.. got it, my account has literally NOT ONCE been at this point. So FOOLISH ME opens another account online with regions thinking it was just an account being neglected etc whatever ( about a month and half ago or so ). So I transferred both my wife and Is direct deposit to the new account, which is currently active and Now they have taken it upon themselves too start STEALING my entire paycheck and replacing it the other acct to bring it to balance.. which still hasnt freaking happened BTW. When I called to explain what was going on and beg and plead for advice or help ( TWO MONTHS LATE ON RENT NOW ) I was told that it was collections taking out for my old account and nothing could be done to help because it wasnt under theyre control. I asked if it was legal and was told that it was in the contract I signed to open my acct, I asked her why they didnt call me Simply because Ive been trying to get someone to stop this MONTHS AGO. It was the system well After not getting the last check ( XX/XX/19 ) I was supposed to get AGAIN due to being negative even though Im supposedly protected but at this point Im feeling freaking attacked. Well yesterday XX/XX/19 I took it upon myself to call and file a complaint, the man taking the complaint was very understanding and even mentioned a few discrepancies that didnt make sense. Especially one! I was told ACH payments COULD NOT be stopped or prevented by a woman employee 2 calls ago.. well  this young fella ( praise the XXXX ) mentioned that she was wrong that I could simply pay a fee or something along those lines too prevent them from coming through.. so needless to say I feel robbed, I feel violated and CAN NOT trust my bank to protect my finances whatsoever. They are abusing their right and authority. Ive been considering getting a lawyer but figured Id do some research and found this website. This has happened before, theyve been sued for this! I hope you can get my voice heard! Please. Im working and living too pay a bank right now and losing everything in the process. Im a XXXX year old female just trying to survive here!
Consumer complaint received 2019-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (OR)

Written letter XX/XX/2019, saying XXXXXXXX XXXX authorized them to collect half of a debt that I have never seen before in my life. Most recently I was a XXXX customer, it's been years since I've had a XXXX XXXX   account.
Consumer complaint received 2019-02-25
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 have made several attempts to have erroneous credit inquires removed from my report. Again, most recently I sent correspondence to all three bureaus to have fraudulent inquiries removed. I have received correspondence back that the inquires are valid. I have had no business dealings or authorized the pull my credit profile for these entities.The Fair Credit Reporting Act Section 609 ( Consumer Disclosure Section ) entitles me to this. 


XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-02-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (GA)

I have been contacted by Diversified Consultants on several occasions in reference to a XXXX bill that they say was not paid. I closed the account and did not owe that amount at the time I closed the account. A Diversified Consultants ' representative has called for months threatening legal action as well as affecting my credit. They have also tried to settle for less but would not remove the negative account that they have reported to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. Those were the last dates they reported to the credit bureaus but they reported them several times prior to that as well. I filed a dispute with XXXX XXXX on XX/XX/XXXX and I saw an increase with my credit scores but the negative collections report still appears on my credit history. On XX/XX/XXXX I received a call from a representative from XXXX XXXX XXXX ( XXXX ) who offered a reduced payment of {$210.00} but also said they would still report it to the credit bureaus. I have been dealing with this issue for about a year and I have not been able to get any relief. Any assistance would be greatly appreciated. Thank you in advance.
Consumer complaint received 2019-02-25
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. (MD)

I have made several attempts to have erroneous credit inquires removed from my report. Again, most recently I sent correspondence to all three bureaus to have fraudulent inquiries removed. I have received correspondence back that the inquires are valid. I have had no business dealings or authorized the pull my credit profile for these entities.The Fair Credit Reporting Act Section 609 ( Consumer Disclosure Section ) entitles me to this. 


XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX   XXXX XX/XX/2018 XXXX XXXX XXXX  XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018 XXXX XXXX XX/XX/2018
Consumer complaint received 2023-09-05
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.