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

I am filing this complaint regarding an account listed on my credit report from XXXX XXXX Account # XXXX ). I believe this account is being reported inaccurately and violates provisions of the Fair Credit Reporting Act ( FCRA ). I request an investigation and the deletion of this account from my credit file. 

Reasons for Dispute : Inconsistent Information Across Credit Bureaus : The " Date of Last Activity '' is reported inconsistently : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Similarly, the " Date Opened '' is reported as : TransUnion : XX/XX/XXXX XXXX and XXXX : XX/XX/XXXX These discrepancies violate the FCRAs requirement for accurate and consistent reporting ( 15 U.S.C. 1681s-2 ). 
Potentially Inaccurate Future Reporting : The " Date Reported '' by XXXX is listed as XX/XX/XXXX, a future date, which raises concerns about the timeliness and accuracy of reporting. 
Incorrect Account Balance and Status Details : While the balance is reported as {$0.00} across all bureaus, the remarks indicate it was " Charged off as bad debt '' and " Purchased by another lender. '' These notations are misleading and may inaccurately suggest unresolved debt. 
Inconsistent Credit Limit Reporting : The credit limit is reported as {$500.00} for TransUnion and XXXX but {$0.00} for XXXX. This discrepancy can negatively impact my credit utilization and overall score. 

Failure to Reflect Dispute Status : The report lists " Account not disputed '' across all bureaus, even though I have initiated disputes. This failure to update the account status demonstrates non-compliance with FCRA Sections 611 and 623 regarding dispute resolution and proper notation.

Requested Resolution :
Consumer complaint received 2017-10-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MN)

Earlier this year ( XX/XX/XXXX ), I checked my credit and noticed that there was medical bills on my report from XXXX in XXXX XXXX. I have since moved out of that state to XXXX. The medical bills that were reported to my credit report should have been taken care of by XXXX XXXX XXXX. I checked with them and they said they paid what was given to them but the doctors billed me separately. I had no idea they could do that so I was never aware that these bills had been generated. I have called XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) numerous times with no help whatsoever. I have asked them for more information such as what the bills were exactly for and how the doctors can bill me separately. They offered no information and all they kept repeating was that I had to call the collection agency. I called the collection agency which told me all they can do is take payment on the debt, nothing more nothing less. I returned calling XXXX XXXX XXXX XXXX XXXX XXXX and they still would n't give me anymore information about the debt. All they do is keep giving me the collection agency 's number and then will hang up on me. I have repeatedly asked to speak to a manager or supervisor at which point they say no one is available, put me on hold forever or hang up on me. This has happened numerous times and when I leave a message no one returns my call. I have never spoken to a supervisor and completely get stonewalled by anyone at XXXX XXXX XXXX. This has been going on for quite some time. Last week, XXXX XXXX was the last few times I tried getting information from them again. Any answers I have are not from them but from XXXX XXXX XXXX ( XXXX  ) which was kind enough to look up my account and provide what little information is available to them. XXXX has let me know that they also made payments on the disputed XXXX ER visit and have no idea how they were able to bill me separately. There are 8 different bills that XXXX XXXX XXXX has sent to collections regarding this XXXX/XXXX/XXXX XXXX ER visit. 1 ) {$830.00} 2 ) {$300.00} 3 ) {$300.00} 4 ) {$180.00} 5 ) {$180.00} 6 ) {$160.00} 7 ) {$160.00} 8 ) {$100.00} which totals {$2200.00}. I have no idea why some amounts are doubled and two are not. This is severely hurting my credit and I have no idea how to get this resolved since the XXXX XXXX XXXX keeps stonewalling me in the process. Thank you for your attention to this matter.
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (NV)

Allied Collections is the collection agency that is reporting a Negative amount on my report with the three major Creditors XXXX, XXXX, XXXX. I have contacted them with proof of the alleged debt to no avail, they have even return my mail sent for there response. I mailed to their P.O.Box as well as their Physical mailing address the address used on the credit report or the address in our local listing. I have sent three letters demanding a response. I finally sent a regular letter and it was the letter stating they have violated the FDCPA Law. I have been dealing with this problem for three months and i have gotten no where. I am a senior and i need this updated because it is affecting how i apply for housing and other things to live.
Consumer complaint received 2017-10-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (GA)

I pulled my credit report and noticed that Carter Young Inc had placed a collection on my credit report for {$170.00} medical bill from XXXX XXXX XXXX XXXX. I had previously attempted on several occasions to get XXXX XXXX XXXX to acknowledge payments I submitted to them in relation to my account and they failed to do so, resulting in them turning over my bill to Carter Young Inc collections. I called Carter Young Inc on XXXX/XXXX/XXXX and spoke to XXXX XXXX to explain that the balance owed is showing incorrectly and that I would like it fixed and then would like to offer payment to delete it once fixed. XXXX advised me to submit proof of payments made to XXXX XXXX XXXX so he could take care of the situation and update the correct amount for me to pay. As requested, on XXXX/XXXX/XXXX I emailed confirmation of a cleared front and back copy of a check that XXXX XXXX had received from me and cashed and also a copy of my bank account statement showing where I swiped my card in the office for another payment on a different date. On XXXX/XXXX/XXXX I received a reply from XXXX XXXX confirming receipt and that he would forward my documents to his client for review and get back with me. Over 30 days has passed with no response so I sent another email on XXXX/XXXX/XXXX. I still have yet to receive a response..I have also disputed this information online with XXXX twice and they have responded that Carter Young has verified this information to be correct but it is not.
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AL)

My account at Wells Fargo continues to be a topic of debate between me and the bank. It has been in the negatives over {$300.00} for over a month now with no resolution from the bank. The account has been frozen since the original incident, however somehow it continues to continue to drop into the negative. I have provided the bank with multiple proofs as to why the account should not be negative, however Wells Fargo refuses to recognize them.
Consumer complaint received 2016-11-17
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MA)

In 2014, I opened an American Eagle credit card. I paid the first bill right away. This first bill was sent to the address of XXXX, MA XXXX. Then, my family and I moved to a new address which is XXXX, which is also in XXXX. After this occurrence, I never received a bill after that. Until recently, I received a bill ( letter ) which was from a company called " XXXX '' which stated that the XXXX Inc, Visa card account was moved to a different agency called " Synchrony Bank. It also informed me that the account was seriously past overdue with the bill of my total balance that was due, which I paid immediately. But the problem was that I never received any bills, letters, or phone calls between the time of these two bills, so how could I have paid the unsent bills. Synchrony bank never sent me a bill since I received my first bill, until the one that was most recently sent. 
I was filled with confusion on what has occurred and why I never received those bills. So I called customer service of Synchrony Bank. The representative I spoke to told me that my account was totally shut down. I also asked when I first received the bill and at which address, she responded with XXXX , and it was received 2 years ago which was correct. Then I asked for the new address, and she told me the new address was XXXX, which was incorrect. The address was actually XXXX and not XXXX. The representative said someone at the company put in the address incorrectly, and the system saved an incorrect input that Synchrony bank inserted. This meant that I was not at fault and Synchrony bank was the one who inserted my address incorrectly, causing my credit score to fall. 
After the call, I sent a dispute letter to Synchrony Bank which stated the mistake that they made. Synchrony Bank sent me a confirmation letter back stating that they have verified the account being paid in full. It also stated that " we have contacted the consumer reporting agencies XXXX and requested that your account record be updated to reflect the status : account Paid in full, was a charge off ''. So again I called Synchrony bank asking if the letter was actually sent because I have received no further information in over 2 months. The representative told me the update status was sent, and the account was updated to fully paid. 
In conclusion, I still see no change in my credit score. Nothing has even occurred or even updated to my credit score.Synchrony Bank inputted my information in incorrectly in the system, due to this mistake I have to suffer the loss of my credit score. My credit score remains as it was when it dropped.
Consumer complaint received 2023-07-17
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. (OR)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I received an auto loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX and consistently made my payments on time. During this time I went through numerous health issues, XXXX  and financial hardships but still maintained my obligation of consistent payments. 



On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX   was contacted regarding a 10 day payoff amount. XX/XX/XXXX per the attached check XXXX XXXX received final payment for my loan. I called XXXX XXXX XXXX XXXX XX/XX/XXXX to confirm receipt of the funds and was told on numerous occasions that the check was not yet received ; in speaking to the representative I was informed that I would not receive a late payment reporting on my credit report because the check should be processed by end of month. 



I thought nothing else of it because on XX/XX/XXXX I received an email informing me my auto account was paid in full, however on XX/XX/XXXX via my credit monitoring service I was notified that my now closed XXXX XXXX XXXX XXXX account was reported as 30 days late which dropped my credit score by nearly 100 points. I was reported 30 days late on XX/XX/XXXX the same day the loan was paid off. 



I am requesting that this late payment be removed from my credit file as it has significantly affected my credit record and payment was received prior to me being 30 days late and the end of the month which I was told by numerous representatives is the reporting day. I am purchasing a home in XXXX and this negative item could render that impossible, cancel my pre-approval and cause detriment in other credit areas. I have spent years working two jobs, sacrificing and paying off debt to rebuild my credit history only to have my score I raised from XXXX to over 700 diminished by this derogatory item.
Consumer complaint received 2020-02-28
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. (VA)

I submitted a dispute to remove the bankruptcy chapter XXXX I filed in 2010. The item should be deleted iat 10 years. 
I made the same request to XXXX XXXX and it was removed.
Consumer complaint received 2018-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I got an alert on my credit file that my XXXX XXXX XXXX account was showing recent late payments so i called them and they stated they had been sending me statements to pay but they had the wrong address in which i have not changed my address so i wasn't sure where they had been sending my mail. Then they closed my account and i told them that i have been with them for awhile and why can't they fix the error that was their fault. 
I filed a compliant with XXXX XXXX XXXX and this is my dispute number XXXX.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TN)

I recently submitted a complaint against Navient regarding erroneous billing and charges this week through the CFPB and requested to send the complaint to Navient. Navient emailed and said they were reviewing on Monday or Tuesday ( XX/XX/XXXX or XX/XX/XXXX ) but still no response to why they are stating deliquent payments when I have overpaid them 7 times the required amount I was awarded to pay. This morning, XX/XX/XXXX I received a notification stating that my credit had decrease by 3 points. When I went to view the reasons for changes it clearly states that now Navient has increased by balance by {$2000.00}!!! Please review my account and make this stop!!!
Consumer complaint received 2017-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Brelvis Consulting, LLC (GA)

XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX Website : XXXX // XXXX Transaction Date : XX/XX/XXXX Amount Paid : XXXX Paid only one payment of 3 of ( XXXX ) Payment Method : Credit Card Subject : Defraud Company posing a people that can help you get lower rates on student loans. I spoke to the representative and based off of my financial issues they guaranteed a payment of XXXX dollars with current provider XXXX. 

They asked for 3 payments of XXXX. Of which I paid XXXX payment. Their loan specialist would then work with XXXX to lower my student loan payments. 
Their partner processing company XXXX XXXX asked for my last year tax statements and two recent pay stubs. 

About two weeks later they sent me a mail saying that they lowered my payments to {$1300.00} ( The initial payment was XXXX dollars ) and they would have a renewal rate confirmation coming from XXXX XXXX the loan provider ) within XXXX days. 

This immediately struck me because I they gave me a number to reach and it could not recognize my SSN through the XXXX number to cross verify what was talked about. I was not able to reach anyone so I called XXXX directly. 

I ended up Talking to a representative at from the number listed on XXXX 's site and found out that that the number The Student Loan Help Center provided was false and they never at any point reached out to XXXX on my behalf. 


The company guaranteed a rate of XXXX payments and after the payments for 10 years the loan would be forgiven over the phone. 

I also spoke to XXXX the only way that a loan could be forgiven was if I worked for a full-time non-profit Or was a teacher at a title 1 school. 

I have since then I negotiated with XXXX on a payment plan and stopped payment to XXXX XXXX XXXX XXXX XXXX for misrepresentation services. 

I have also recieved a deliqent payment mail from XXXX XXXX XXXX XXXX XXXX / XXXX demanding payment within 7 days or they are going to file for collections against all three credit bureaus and also file a report to the IRS. 

So I have have filed a claim to the State of Florida Attorney General, The Federal Trade Commisson, Created a new ID on FASFA, Filed a claim to the Dept of Edu, and notified all three credit bureaus
Consumer complaint received 2017-10-24
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. (PA)

I have a Charge-off on my credit reports reported by the XXXX credit bureaus ( Equifax, XXXX, and XXXX XXXX being reported by XXXX ( XXXX XXXX ). This debt was a joint account with my ex-wife. We were separated in XXXX and divorced in XXXX. This debt was sold to a Collection Agency, XXXX XXXX, and XXXX XXXX has removed it from my credit report on their end. I have asked XXXX XXXX XXXX XXXX XXXX as a XXXX gesture to remove their reporting from my XXXX credit reports on their end as well. I received a letter from them stating that my request was denied and that XXXX XXXX XXXX XXXX XXXX will not remove the derogatory remark from my XXXX credit reports, and that they will keep reporting it. This account was opened in XXXX, and was charged-off in XXXX. I am asking them for their consideration in removing this derogatory item from my XXXX credit reports from each of the XXXX credit bureaus.
Consumer complaint received 2020-02-28
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: CITIBANK, N.A. (FL)

These accounts has appeared on my credit report. I have never had any dealings with these companies. 

1. The following account is not mine ( open date XX/XX/XXXX ) XXXXDSNB Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine ( open date XX/XX/XXXX ) MACYSDSNB Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine ( open date XX/XX/XXXX ) XXXX Account Number : XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2020-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (VA)

I believe this company is erroneously charging the following : -erroneously intertest charges -mischarging for Gap Insurance -other charges -multiple charges for repossession fees -changing how my payments are applied to my loan ( principle, interest, late fees, and gap insurance ) ; they apply my payments to principle, etc. then go back and change the way the money was applied to my account I've talked to the company multiple times. Every time I'm given a different answer on what the " additional '' charges are for and how the interest is accruing to my account. I have paid several large payments $ 1,000- {$3000.00} and the gap insurance is not showing that it is paid on my account. Additionally, every month my account shows " other charges ''. Westlake Financial has yet to provide a clear explanation in writing as to what these " other charges '' are. Also, when the accounting department send me a statement of accounting, the money that I have paid on my loan is always accounted for differently in each statement.
Consumer complaint received 2024-09-19
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. (LA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX XXXX  XXXX - Account XXXX Account Name : XXXX XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX - Account XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/year>
Consumer complaint received 2018-12-19
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. (OK)

Under the service members relief act, I had 1 year to get with the department of education to setup payment arrangements for my student loan debt. I was XXXX XXXX until XX/XX/2015. Not to mention this account was established before I ever even finished the program that it was paying for to the credit bureaus as late and is over 11 years old. So it shouldn't be on my report to begin with. I have tried and tried to be get XXXX and Experian to fix this issue to no avail. So I disputed it to Experian, and requested that they reinvestigate but due to language and comprehension barriers, they don't understand exactly what I am trying to get them to do. I have tried disputing with your choice of the three reasons to no avail. Uploaded documentation still nothing. They could pick any of the three and remove but refuse