davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I WANT TO HAVE THIS MATTER RESOLVED AS SOON AS POSSIBLE SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I am unable to receive my credit report from Experian. I am also unable to freeze my credit with Experian. I have tried to reach Experian via website, and via phone to both view my credit report, and place a freeze. The website lists an automated phone number to call after saying there was an error, which does not have any options to help me. I have tried multiple Experian phone numbers to solve the problem, but they all hang up after listing options that do not pertain to my problem.
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

What I remember is when I had my business in the city of XXXX on XXXX XXXX this company approach me to buy a Web site advertising and the were really pushing me to buy it. One day after many times they trying to convence me I agree to do it BUT for 6 months only!!! The were trying to convence me to do One year but I told them NO!!! 
So, they agree for 6 months. The took my checking account number and were doing withdrawals every month. Before the XX/XX/XXXX month I told them that that advertising wasnt working for me at all and I asked them to stop taking money from my checking account but they charge the XX/XX/XXXX month and I complained to them and they said that is for One year and I told the that the agreement was for 6 months. 
Then I canceled my checking account so they couldnt charge more. 
Since then I havent heard from them until now with this Collection in my credit report. 
Please understand my situation, I dont have that store anymore. 
I need your help to resolve this matter as soon as possible. It is damaging my credit and is not fair, because I act in good faith when they approach me to do business with them even Though I never had any customer related to their advertising. I believe in my heart that was going to work but never did and I paid on time for those 7 months. Please help me!!!
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (GA)

On XX/XX/XXXX, I spoke to XXXX & XXXX in reference to the account and was advised that Sequiem Asset did not hold the account. Sequiem Asset has continued to report falsely to all three credit bureaus that money is owed to them when that is not true. I contacted Sequiem Assets on XX/XX/XXXX to request that they correct the erroneous reporting on my credit report and they refused. At the onset of the call, the representative was in full collection mode knowing that XXXX XXXX XXXX had pulled this account back from their agency but they are continuing to try and collect from an uncollectible account..
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CT)

I wanted to obtain my free annual credit report from Equifax, which is supposed to be available online and via hard copy mailed to me. 

When completing information on the Equifax website, the website indicated Equifax could not provide my report online. I would have to mail various documents to them to prove my identity and get my report.The website screen is pasted below : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to : Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. 

Download Acrobat reader Return to Annual Credit Report '' This progress ruler appears at the top of the section where you request your Credit Report : Fill out Pick the reports Review your Get your next Repeat these steps a form you want reports online report or finish for each credit report ( Last Box in progress ruler ) Have questions? 
Contact us Contact us I am not sending a letter containing documents like my Social Security card and name/address info to Equifax that could be pilfered or lost in the mail. 

Equifax just settled the suit re hacking of its website that it failed to prevent. It is providing relief to customers or paying fines totalling $ XXXX XXXX. If it can do that, it can afford to produce reports for customers online. Not doing so is a shoddy way to do business for the critical service it provides to the public.
Consumer complaint received 2019-07-30
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. (TN)

Equifax ; XXXX and XXXX are reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) XXXX XXXX is claiming that I made a {$500.00} payment which I didnt make and now the ( 3 ) credit bureaus have moved the date of last activity forward. This is clearly a violation of the Fair Credit Reporting Act to make up payments that have not been made in order to move up the date of last activity. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2019-07-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC (TN)

I BORROWED {$200.00}, IN AN FINANCIAL EMERGENCY, FROM XXXX XXXX XXXX OFFICE IN XXXX, TN, ON XX/XX/2019. THEN ON XXXX XXXX ; AT XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, IN XXXX XXXX, TN XXXX ; I WAS TOLD MY PAYOFF IS {$210.00}, SO I PAID {$210.00}. HOWEVER, I HAVE BEEN CHARGED MUCH MORE THAN {$210.00}, ON XXXX XXXX, I PAID OFF THE LOAN IN PERSON AND MY CHECKING ACCOUNT WAS ALSO DOUBLE BILLED /CHARGED ANOTHER {$45.00}, IN XXXX , TN. 
TODAY XX/XX/2019 I WENT INTO THE XXXX   XXXX OFFICE, IN XXXX, TN AND ASKED FOR THE REIMBURSEMENT OF MY OVERBILLED MONIES AND THE CLERK NAMED " XXXX '' REFUSED TO REFUND MY {$45.00} OVER/ DOUBLE BILLED CHARGES! 

XXXX THREATENED TO HAVE ME ARRESTED IF I DID NOT LET THE OFFICE KEEP THE MONIES. MY LOAN OF {$200.00} WAS JUST FOR 40 DAYS, I WAS FORCED TO PAY A TOTAL OF {$260.00}. 
I WAS OVERBILLED/ DOUBLE BILLED {$45.00}
Consumer complaint received 2019-07-31
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: WELLS FARGO & COMPANY (MD)

I have applied to apartment and was denied for the following reasons. 

Wells Fargo- Reason of dispute- Never had an account with them I am a twin with a lot of problems. My sister had an account with them. 

Her name is XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

NJ Higher Education is reporting two accounts on my XXXX credit report that is not correct. XXXX shows a balance of {$6000.00} and XXXX shows a balance of {$7600.00}. They have actually confirmed with me on the phone that I only have one account with them and I am making payments. This is inaccurate and a violation of the FCRA
Consumer complaint received 2019-07-23
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. (GA)

XXXX  and Transunion are reporting incorrectly a collection of {$3600.00} on the XXXX partial account number XXXX. ( Please see page 18 of the attached credit report. ) This account has a {$0.00} balance and a request to remove these line items from my credit report was requested on XX/XX/2019. I have also attached a copy of the letter from XXXX XXXX showing this account has an amount due of {$0.00}. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2019-07-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lending Club Corp (RI)

The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a law that is supposed to be enforced by the CFPB. 

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.
Consumer complaint received 2019-07-23
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. (OH)

There is Three collection accounts that do not belong to me, i have called them company and they give me no info because i cant verify my info. These items are stopping me from buying a home. Also, below are a lot of inquiries that i never did, this has to be fraud or an attempt to do fraud. 

XXXX XXXX XXXX Opened XX/XX/XXXX amount {$640.00} XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$760.00} XXXX XXXX XXXX XX/XX/XXXX amount {$410.00} Inquires below XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX   Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX University XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX/XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX XXXX   Inquiry from XX/XX/XXXX Bank XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XXXX XXXX, XXXX National Credit Cards/Airlines XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX XXXXredit Union XXXX XXXX XXXXnquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This account was included in bankruptcy in XX/XX/2018. With XXXX balance and this account became inactive and cancelled along with the credit card ... In XX/XX/2018, I started getting charges each month which the first charge was {$3.00} which was charged every month with interest, totalling {$190.00}. I disputed this item 2 times asking for specific information showing information proving these charges. Which I have not to this date, been provided any such information. The only thing I received was the information from the credit bureau ( XXXX XXXX and Experian ) that the information has been verified totally ignoring my request. This incorrect information has affected my credit and I am asking that this item be removed from my report.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Sterling  Hill Financial (DE)

This company is making me keep a 6 month contract with them for {$120.00} a month but they are only disputing one thing. For example, this month they only disputed XXXX. Also, I was laid off and can not afford the service so instead of them letting me stop using them, I have to pay them {$240.00} in XXXX. I believe I should pay only for service they are providing. I paid for XXXX which they did services for but I no longer want there service and they haven't done any service since XXXX when I paid them. 

Also, I was mislead because I signed up for who I thought was a XXXX " XXXX '' XXXX XXXX XXXX but turns out he is not actually doing the repair but Sterling Credit Group is. So I was mislead because I thought the XXXX XXXX  would be doing my credit. The XXXX advertised his credit repair on his channel through his website XXXX XXXX XXXX.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NY)

I have placed a credit freeze with Experian. 

In spite of entering all valid information to unfreeze my account, I was prompted to mail in my request with copies of my driver license, social security card and a utility bill. 

I mailed all requested information and my credit was unfrozen for the requested time frame ( confirmed via e-mail on XX/XX/XXXX at XXXX ET On XX/XX/XXXX at XXXX ET I needed to have my credit unfrozen and again I was prompted to provide all the information. Experian said ... " WE WERE UNABLE TO HONOR YOUR REQUEST TO TEMPORARILY REMOVE YOUR SECURITY FREEZE BASED ON THE INFORMATION YOU ENTERED '' I mailed all the required documentation again. I have not heard back from Experian since ( that's 20 days ) Will Experian explain why am I being harassed?
Consumer complaint received 2019-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

I was issued a refund in the amount of {$2200.00} from paypal to a CLOSED XXXX XXXX checking account on XX/XX/2019. Once I discovered this error, I went to a local XXXX XXXX branch in mid XX/XX/XXXX. They told me that if the account was closed then the funds would have been returned to paypal. So i called paypal many, many times requesting a trace. They said the funds went to the bank and they do not have them. This issue has been going on since XXXX when paypal would not allow the order to be refunded. I then filed a complain with the Pennsylvania attorney generals office which you will see the result in the attached files ( if i can attach files ).  I don't know what else to do besides file this complaint as both paypal and citizens bank keep giving me the run around.
Consumer complaint received 2019-07-23
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX XXXX DOB : XX/XX/XXXX Trans Union XXXX . XXXX  # XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account and items Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Not my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Not my address XXXX XXXX XXXX XXXX, XXXX XXXX Not my address XXXX XXXX XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Not my address
Consumer complaint received 2019-07-23
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GREAT LAKES (TX)

On XX/XX/2011 a master promissory note for a federal parent plus loan was filled out using my information and signed by my ex-wife. I have the master promissory note and an application for a note using the same e-mail and phone number used to sign the MPN. This e-mail and phone number belong to XXXX XXXX and I can prove it. I have attempted to speak to Great Lakes student borrower about this and have been ignored and pushed off to the federal Board of Education. I have worked on this for a year and it is still being reported as my debt when I can prove I did not sign the promissory note
Consumer complaint received 2024-09-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

Beginning in XX/XX/XXXX, I notified my apartment complex, XXXX XXXX XXXX, that I would be moving out a few days earlier than listed on my lease. I communicated that I noticed that the amount owed for rent listed on my account did not reflect the prorated amount discussed and promised by my apartment. I was told via email to not worry, and they would fix it. I emailed 2 more times about this in XX/XX/XXXX. 

The next series of emails regarded a final request for an accurate amount to be paid to the apartment complex, but I did not hear back from anyone. 

In XX/XX/XXXX, I received a bill for the correct amount after a couple of months of silence and no communication regarding the return of my security deposit. 

I communicated to my apartment that I did not feel this was scrupulous on their part, as I had moved on assuming that they wrote me off due to the lack of communication, along with 3 separate incidents regarding car theft and break ins on site. 

I did not receive any communication from my apartment complex in months to follow, but received my first collections notice in the spring of XXXX. I began contacting XXXX XXXX XXXX and finally received a responsive phonecall from a leasing manager on XX/XX/XXXX. This manager agreed that the money was too late to collect and said she would take care of the balance and contact the collections agency on my behalf. I assumed this is what occurred, until I received yet another collections notice in XX/XX/XXXX. I assumed it was erroneous, but I responded to the email and said the apartment complex already addressed this and I do not owe any money. I also reached out to XXXX XXXX XXXX and forwarded the collections email and asked them to follow up. I never received communication back. 

As of XX/XX/XXXX, the collections notice is visible on my credit card account, and it is fraudulent based on negligence of the XXXX XXXX XXXX XXXX ( XXXX  ) staff. I am formally disputing the balance as of today, XX/XX/XXXX.
Consumer complaint received 2019-07-19
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. (FL)

XXXX is reporting incorrectly an unpaid collection for {$5100.00} on partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account has a {$0.00} balance and was opened in 1993. XXXX  and Experian are reporting this as a paid collection. This account is well over 7 years old and should not be reporting on my credit report. This is a violation of the Fair Credit Report Act. I have contacted the bureaus to fix these issues, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report