davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-22
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. (KY)

I recently pulled my credit report and discovered that a collection agency ( XXXX XXXX XXXX ) was reporting against my report and indicating that I had a debt which in fact is not my debt. I contacted XXXX and they informed me that they are were not reporting information on me to Transunion. They claimed that Transunion is wrongly matching their record to me. So i contacted Transunion and they opened a disputed case for me with XXXX. Transunion claimed that they only report what XXXX submits to them. XXXX says that this type of matching mistake by the reporting bureaus is common. The disputed item was removed but now it has reappeared on my report. I find Transunion unwilling to even discuss the possibility that they are matching to me by mistake. they also are not very cooperative when i have called them by phone.
Consumer complaint received 2017-08-22
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: HCFS Healthcare Financial Services of TeamHealth (KY)

I recently pulled my credit report and discovered that a collection agency ( XXXX XXXX XXXX ) was reporting against my report and indicating that I had a debt which in fact is not my debt. I contacted  ARs and they informed me that they are were not reporting information on me to XXXX. They claimed that XXXX is wrongly matching their record to me. So i contacted XXXX and they opened a disputed case for me with ARS. XXXX claimed that they only report what ARS submits to them. ARS says that this type of matching mistake by the reporting bureaus is common. The disputed item was removed but now it has reappeared on my report. I find XXXX unwilling to even discuss the possibility that they are matching to me by mistake. they also are not very cooperative when i have called them by phone.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am opening this issue with the CFPB to ask for assistance in having a bankruptcy removed from my credit report. Please see the attached copy of my bankruptcy filing of Chapter XXXX datedXX/XX/XXXX. The bankruptcy has since been discharged and the 7 year limit on reporting has expired as of XX/XX/XXXX as evidenced by this letter, however it continues to be listed on my credit report. I have requested removal without success so I am asking for assistance from the CFPB. Please see the attached as evidence that this bankruptcy should have been removed nearly a year ago.
Consumer complaint received 2017-08-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth Financial Systems is violating FCRA by changing delinquency dates on collections posted on my credit report. Not only that, but they are NOT licensed to collect in the states of Florida. According to the Florida XXXX XXXX XXXX XXXX their license has been revoked/voided, on XXXX/XXXX/XXXX. All XXXX credit bureaus report delinquency dates that are all different on most of the multiple collections on my report. XXXX says XXXX XXXX, XXXX XXXX says XXXX XXXX, and XXXX  XXXX XXXX. There are also multiple duplicate collections for the same amount on them as well. recently they tried to add a another collection for {$830.00} with the delinquency date for XXXX XXXX, this is a re age of a account already posted for a delinquency year of XXXX. They added this to all XXXX credit bureaus also, and I do n't owe it, period. I contacted XXXX on XXXX/XXXX/XXXX and they removed XXXX out of XXXX collections over the phone from these fraudsters. They seen that these accounts were suspicious, and claimed that they had several complaints about this company. The only collection they could not remove was the {$830.00} they re aged, this is slated for removal on XXXX.
Consumer complaint received 2024-10-04
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. (PR)

In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I Have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I do not have a signed contract nor any contract with CommonWealth Financial. I have never done business with this company. I am not liable for collection from this debt from CommonWealth Financial. I am not responsible for this debt with XXXX XXXX XXXX. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt.
Consumer complaint received 2017-08-22
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. (FL)

This complaint is in regards to a tradeline being reported on my TransUnion credit report as XXXX XXXX. Per the Florida Attorney Generals Office, this loan is in violation of the The Florida Consumer Finance Act, which prohibits a lender, regardless of their location to offer loan products to residents of Florida without holding a state issued license to do so. According to the Florida Office of Financial Regulation 's Division of Consumer Finance, XXXX XXXX does not hold the required legal license to provide loans in the state thereby making this tradeline invalid by law. Continued reporting of an invalid account is a direct violation of the Fair Credit Reporting Act. I have disputed this tradeline repeatedly with Transunion only for them to send an e-validation to the lender to confirm my name and address, never investigating the validity of the alleged loan with the appropriate agencies as I have outlined above. This invalid tradeline is being reported illegally by an unlicensed lender and Transunion continues to refuse to effectively investigate this fact, willfully disregarding FCRA requirements. I am again requesting CFPB assistance in enforcing federal law and having this illegal tradeline removed from my TransUnion credit report. XXXX XXXX is an online Tribal lender who is not licensed to provide loans in FL. They are illegally reporting this invalid account in an attempt to extort payment from me and TransUnion refuses to perform a simple validation with the appropriate agencies that would confirm this fact. I demand that TransUnion either permanently remove this item from my credit report, or provide evidence that they have validated this lender 's legal ability to enforce this alleged account and it 's reporting.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Hard credit pulls done by several companies without my written authorization that are showing up as inquiries on my credit report and affecting my creditworthiness in a negative way. From Equifax report : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX Credit bureaus were notified but refused to remove these hard inquiries on my report claiming there is no need for verbal or written consent for companies to perform a hard credit pull, while being crafty with their responses.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (FL)

I used XXXX XXXX as my cable and internet carrier for approximately two years prior to this alleged debt. Approximately XX/XX/XXXX I transferred service to my roommate at the time in which they had been paying the bill for 2-3 months prior to the transfer of service into their name. I made the XXXX agent that was handling the call that the service was still in my name but the other party had been paying the bill and I just needed to switch the service into the other party 's name and during that call I also made sure the agent was aware that I had not been making the payments but the other party was making payment and the amount due was current at that time and made sure that I was not going to incur any charges in my name and the agent assured me that I would not incur any charges as the service would transfer out of my name. I recently have found that this matter has been transferred to collections and in XX/XX/XXXX or XX/XX/XXXX called Diversified Consultants Inc. that is the collection agency handling this case and made them aware that I did not owe this debt and that i wanted to dispute this matter. I never recieved notice from XXXX that I allegedly owed them anything or this would have been handled at that time. I am not responsible for this debt and the agent handling the call years ago was made very clear of that and assured me that I would not owe anything and that it would simply be a transfer of service and that any remaining balance would carry over into the other party 's name.
Consumer complaint received 2017-04-08
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc. (FL)

XXXX never sent a bill/invoice. On XX/XX/XXXX they sent a statement saying they have sent 3 invoices and I have until XX/XX/XXXX to respond. I called them, they did n't answer, I left a voicemail. XX/XX/XXXX Summit collection agency called my home letting me know I owe the {$83.00}. plus the collection fee of {$50.00}.
Consumer complaint received 2024-08-05
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: Experian Information Solutions Inc. (NY)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2017-08-21
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: Experian Information Solutions Inc. (CA)

In XXXX of XXXX I was a client of XXXX XXXX of XXXX a subsidiary of XXXX XXXX. Myself along with approximately twenty other clients had their social security number and all other personal information stolen from XXXX XXXX of XXXX. XXXX XXXX  paid for a service to help remove all of the incorrect information but none of the incorrect information was removed. In XXXX of XXXX XXXX California Sheriff 's  department seized a storage locker that contained names on this list along with a locker full of stolen property. For the last 17 years I have tried to correct my credit report with no luck. Experian, XXXX and XXXX use their incorrect information as security questions to log onto their websites. I do n't believe you can contact these companies by phone if you are not a bank. When I have used the mail and submitted their paperwork to remove incorrect information I have had no luck. I am the main earner in our house hold and we where forced to purchase a house in my wife 's name due to this incorrect information. It is frustrating because this information was stolen from a bank and they pay for this service that can create so many problems.
Consumer complaint received 2024-08-05
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$210.00}
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I was the deed on my deceased father 's house. I paid the mortgage payment each month. The house did not go through escrow after he died. At one point, Wells Fargo stopped accepting my mortgage payment on my father 's house. Thus, forcing it into foreclosure. Wells Fargo cross out my father 's account number on my checks and wrote my loan number on my checks and applied to my loan for my mortgage on my house. 
During that time, I filed for Chapter XXXX bankruptcy and the court wanted to know what I did with the rent for my father 's house. I told them that I paid the mortgage each month at time. They conducted an investigated which were additional fee deducted from the sale of my father 's property.
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

Despite having a mortgage with Ditech Financial for less than 20 % of my home 's value, they took it upon themselves, with no approval from me, to open up an escrow account for my property & school taxes. I have always paid these taxes though sometimes I pay them late and I was late at the moment Ditech decided to establish this unauthorized account on my behalf. I reject that Ditech has the right to open up a XXXX account without my approval. This seems very similar to the highly publicized XXXX incidents.
Consumer complaint received 2016-04-05
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: ALTERNATIVE DISPUTE RESOLUTIONS (TX)

The company called me and stated they were a mediation group attempting to collect a debt. They stated that if I did not pay now I would face charges and be sent to court. The number of the company is XXXX. They state the name of the company is Alternative Dispute Resolutions but I can not find any info on the company. I have called them back numerous times and they will not release any information on the company ie : address, website, professional license number.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously submitted a dispute regarding XXXX XXXX XXXX Collections which they added collections accounts to my credit report. It was established the XXXX XXXX was the legal owner of the accounts and that a dispute was filed with XXXX XXXX on XX/XX/2017 in regards to the balances placed in collections. XXXX XXXX reviewed the accounts and informed me that they had no record of any of the balances provided by XXXX XXXX XXXX. XXXX XXXX then stated that they found updated statements for the balances after the correction were made for payments by the insurance provider. A dispute was filed against XXXX XXXX XXXX for adding a collection to my credit report and as a result the collections accounts were removed. Between XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX added the same collections accounts again to my credit report by changing the original creditor from XXXX XXXX to XXXX XXXX XXXX. They also combined all the balances for the previous accounts and created a new balance of {$900.00}. We attempted to contact the original creditor XXXX XXXX XXXX regarding this account and we were informed that no account information exist for a balance of {$900.00}. The also stated that all billing for XXXX XXXX physicians is handled through XXXX XXXX XXXX billing. We have never received a billing statement regarding a bill for {$900.00} in regards to any XXXX service. We have been in contact with XXXX XXXX XXXX billing and they informed us that the only payments that are currently outstanding includes bills for : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively. These accounts are currently being handled under another collection agency called XXXX XXXX XXXX, but XXXX has since requested that they be removed from collection due to a payment planned established with XXXX XXXX XXXX. XXXX XXXX XXXX is illegally placing collection information on my credit report after erroneous and inaccurate information has been deleted. They are doing this in violation of the current FCRA laws. I attempted t submit another dispute but was not allowed to do so by CRA 's. 

XXXX XXXX This is currently delinquent but has since been charged off. Due to the current FCRA when an account has been charge off the remaining balance is suppose to be charged to XXXX to reflect that the account has been charges off and no balance is due at this time. At this time the account still shows a balance owed. I attempted to dispute this information also but was denied.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (VA)

After calling Citi Bank to request the payoff amount, I paid the balance off in full on XXXX XXXX, XXXX. I received my next statement saying that I owed additional interest of {$9.00}. I was told when I called about it, that it would be removed. However, it was not removed and later went on my account as late. I called again and eventually paid the {$9.00}. This card was used to pay for a trip so the next month that charge was on the card. This was a large purchase so I paid for the charge in two payments. When I made the last payment, I call XXXX once again to make sure I was paying the entire balance, including any interest. After I made the payment to the person that I was on the phone with, I cancelled the card and requested a letter stating that the balance is zero and the account is closed. I was lead to believe that everything has been taken care of, however, this month there is interest due again.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hard credit pulls done by several companies without my written authorization that are showing up as inquiries on my credit report and affecting my creditworthiness in a negative way. From TransUnion report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX Credit bureaus were notified but refused to remove these hard inquiries on my report claiming there is no need for verbal or written consent for companies to perform a hard credit pull, while being crafty with their responses.
Consumer complaint received 2017-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (CA)

On XXXX XXXX 2017, this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec 809