davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-16
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. (IL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. No one of these  inquiries which I listed in Identity Theft does not belong to me or any transactions made by me. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 
Please remove every thing as soon as possible because all of these are destroying my credit.
Consumer complaint received 2020-04-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

In XXXX I was contacted by XXXX XXXX on behalf of Navient regarding my defaulted student loans. I was informed they had recently been given the account to try to collect on the money. They informed me payments had stopped in early XXXX with another company collecting on behalf on Navient. My co-signer had been making payments. She was informed that after 24 months of making payments, the account would be settled. This was obviously a false statement made on behalf of Navient. So now, I have set up payments to close this account out with XXXX XXXX. I made a {$6800.00} deposit and 3 payments of {$500.00}. They informed me that the co-signer would be removed within 7-10 business days but that has not happened. My last payment of {$500.00} is due on XX/XX/XXXX and thus should close the account out. However, looking at my credit report, it's already showing the student loans are closed out. Every time I call, I get different answers. 
On another note, I have a private student loan in good standing with Navient. The original balance was {$3500.00} and is now over {$8000.00}. After my numerous efforts to pay, I've had to go into a forbearance and now it's almost doubled. I'm not sure if anything can be done but I had no idea forbearance would double the cost of the private student loan.
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LDF Holdings, LLC (AZ)

On XXXX XXXX someone used my information to applied for a loan and i received an email now when i checked it was an application and now they trying to take the money back from me in which i have no idea that i owed them i never borrowed from them. They said {$300.00} was funded in my account XXXX XXXX but i never have any bank under that. XXXX XXXX, Our last two attempts to withdraw payment on your loan XXXX from your account ending in XXXX were returned because your account did not contain enough funds to cover the payment. To protect your account, federal law prohibits us from trying to withdraw payment again without your permission. 

We may contact you to talk about your payment choices going forward and to assist in scheduling future payments. We can be very flexible, and we are willing to find the dates and amounts that will work best for you. 

Previous Payment Attempts : Payment due date Date of attempt Amount Fees Charged by Greenline Loans XXXX XXXXXXXX XXXX {$85.00} {$0.00} XXXX XXXX {$85.00} {$0.00} The Consumer Financial Protection Bureau ( CFPB ) created this notice to inform you of your rights under federal law. The CFPB is a federal government agency built to protect consumers. To learn more about your rights as a borrower, visit XXXX 

Thank you for being a Greenline Loans customer. For further assistance please contact our Customer Service Department at XXXX, option XXXX. 

Greenline Loans XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Monday - Thursday : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Friday : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

In accordance with the fair credit reporting act National credit systems acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX acct # 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2020-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hello, I tried getting my free credit report. However, they were unable to provide it. Instead, Transunion directed me to 'verify ' my identity which included putting my credit card in. They charged me {$25.00} and {$30.00} subsequently without notifying me. I still do not have my credit score.
Consumer complaint received 2018-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (AZ)

Account was last reported XX/XX/2015 from XXXX XXXX for the amount of {$270.00}. I never received notice to dispute debt. I have lived at the same address for the last 4 years and havent received any notification, I should not be held accountable for debt that I was uninformed on or given a fair opportunity. I have attempted to dispute on my own through the bureaus but have not been given a resolution.
Consumer complaint received 2020-04-22
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: West Central Texas Collection Bureau (TX)

In XXXX I received notification via my credit report that I had been sent to collections through West Central Texas Collection Bureau in XXXX Texas for a {$110.00} bill that I never received from XXXX XXXX XXXX XXXX. I contacted the collection agency and explained that I am a XXXX veteran and any bills should have been sent to the VA and that I had never received one. They gave me the information to contact XXXX XXXX. I contacted them and a young woman said that they would take care of it right away. Two months passed and it was still on my credit report. I contacted the collection agency again and they sympathized with me agreeing that what the XXXX XXXX   did wasn't right. I called rXXXX XXXX again and got a different representative. I explained the situation again and she said that the other person I talked to previously at radiology associates didn't have the authority to agree to remove it as they had. I explained that was a them problem and not a me problem as it was improperly billed. They argued that it was filed under private pay. I have not ever been private pay in an ER in my life so that didn't make any sense. 

I reported this to all 3 credit bureaus on XX/XX/XXXX and XXXX and XXXX removed the charge. XXXX did not. I refiled again on XX/XX/XXXX with XXXX and they did not remove it. I filed again on XX/XX/XXXX when calling about why it hadn't been removed and they said I needed to file another complaint. That confirmation is attached to this complaint. 

My credit is being held XXXX for {$110.00} for a bill that I didn't receive, and shouldn't have received because it should have been billed to the Veterans Administration. They tried filing it with the VA and they denied it because it had been so long. I have attempted since then multiple times to contact West Texas Collection Bureau but their phone numbers listed on their website ( XXXX & XXXX ) automatically hang up after you dial them on my cellular phone. I attempted to use the phone number listed for them on my credit dispute ( XXXX ) and it comes back with call can not be completed as dialed ). I tried using their contact page to send them a message and get an error back. 

I am unable to discuss this by any of the above means and no longer live in the geographic area to stop by their offices. I am requesting that this be removed from my credit report. A XXXX vet should not have his credit held XXXX for {$110.00} when they followed all normal procedures at the time of service, since then trying to get this resolved, and now not able to reach the collection agency that has forgave this debt with two other credit bureaus.
Consumer complaint received 2019-12-16
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. (NJ)

This is a follow up, I have already try to fix an Issue with EXPERIAN regarding Identity theft thru this website, as I previously said, on XX/XX/XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help from a friend of mine, I started a dispute process. 

On/or about XX/XX/XXXX, I started disputing the incorrect information on my credit report, as of now, XX/XX/XXXX, I had submitted my documents to the Credit Bureaus 3 times already and there is still one item on EXPERIAN that they refuse to remove. 

On the section " Company 's Response '' they did not answer my question or they are not saying anything regarding the specific dispute. For your reference, the following account, reporting on EXPERIAN, does not belong to me ( circled on my attachment ) : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, with an alleged acc # : XXXX, an alleged balance of {$390.00}, allegedly opened on XX/XX/XXXX.
Consumer complaint received 2021-01-11
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. (NC)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This very unprofessional. Please remove the fraud accounts ASAP.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (PA)

on XX/XX/2020 I went to the post office and got a money order for XXXX dollar. On the negotiable instrument I put the completed amount in accordance satisfaction upon redeeming the instrument. Due to the state of emergeny for Covid-19 I'm currently unemployed.
Consumer complaint received 2020-04-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (KY)

I told them to stop calling the very first time they called me at work. Now they ( I can tell it is the same voice ) are calling me from a restricted number. I did not even know anything about the account they are claiming is mine. It would not let me download an audio file. Please watch the videos on XXXX of the images I have attached.
Consumer complaint received 2024-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2019-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

I received a letter from Healthcare Recovery Group ( HRRG ) dated XX/XX/2019 stating that they're collecting the debt of a balance of {$1100.00} owed. Now, I didn't receive the letter until XX/XX/2019 so after reading the letter I immediately wrote a debt dispute letter. I mailed the debt dispute letter certified XX/XX/2019 and they picked it up XX/XX/2019 and part of the letter I wrote I goes like this " I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. '' From them receiving my letter on XX/XX/2019 on up until XX/XX/2019 I am still receiving phone calls everyday multiple times a day and yet still no validation. From my understanding, by law they're supposed to stop all debt collecting activities once a dispute is in place until it's validated or it will be considered harassment.
Consumer complaint received 2021-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal limited my account for no reason and will not help me. I already submitted their requirements but still, I can't withdraw my money on PayPal. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just watch on XXXX that I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2019-12-16
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. (AL)

XXXX XXXX XXXX. I do not owe this debt and I have made numerous attempts to have this addressed through company listing and each credit bureau reporting. This is also a violation of my HIPPA rights as they have provided medical information in which I did not provide them consent to hold or obtain.
Consumer complaint received 2021-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

PayPal closed my account for no reason and will not help me with getting back my money. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2019-07-29
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. (CA)

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me  that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible .. XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 10 XXXX  XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-08-27
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. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-07
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. (IL)

I filed a dispute with Experian and your office both because they are reporting an account from XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX for an old ( Over 7 yrs old account ), so breaking the FCRA and also because the account is being reported incorrectly, the bank made me make full interest payments of {$160.00} plus late fees of XXXX XXXX monthly for every month I was late due to job layoff during the last great recession in 2010, told me to do so as it would keep me from losing my car and from my payments showing as late and then did not report these monthly payments at all making it look like I paid nothing to them each month when the interest payment and late fee was only a few dollars short of my actual payment!!!! They also then put a balloon payment on my account and so charged me double interest!! I want all documents and proof of payments from beginning to end on this loan sent to you, myself, and the Federal Reserve Bank. I am also sending a copy of this to XXXX XXXX. I want this account removed from all three of my credit reports, it is reporting past the 7 yrs time period, also I was never notified of the results and it shows the completed the investigation at the beginning of XXXX AND all has been reported incorrectly for seven years so I want them to not only remove it but all reporting agencies to send corrected copies of my credit report to all who I have applied for credit with during that time period. I also filed this most recent complaint due to this bank continuing to report this account as open and active after it was paid and full and closed at my request years ago, another creditor told me they are doing this that I applied with and I provided this information to you, yet the bank is telling Experian and Experian is responding to me about my complaint that all is correct per the bank and won't fix it!!!! FIX MY XXXX REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!! As I said I am reporting all today to the XXXX!!!!
Consumer complaint received 2019-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (IL)

I TOOK OUT MY LOAN ON XX/XX/2019. I HAVE SINCE FOUND OUT THAT THIS BUSINESS IS NOT LICENSED IN MY STATE. I HAVE REVOKED MY ACH AUTHORIZATION AND HAVE ASKED THEM NOT TO CONTACT ME ANY MORE BY PHONE, BUT THEY STILL TEXT ME.
Consumer complaint received 2018-05-04
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: HUNTINGTON NATIONAL BANK, THE (MI)

Date : On XX/XX/2017. Someone stole my information and applied for loans. Now i have 6 inquiries on my credit report. I never applied for, co-sign, or gave any of my information to XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and Huntington Bank. Please help my get these off my credit report.
Consumer complaint received 2018-05-04
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)

Two days ago I submitted a complaint to all three credit bureaus regarding their failure to raise my score after their investigation and removed inquiries. I further explained that when the fraud inquiries happened my credit scores all dropped over 5 points each but when they were finally removed my score only went up one point. I received confirmation that the CFPB submitted my complaint and just today I was alerted from Credit Karma that my scores all dropped today by 14 points each. I checked and there was no reason for this to happen, there are no new inquiries or any payment errors. The Credit bureaus dropped my scores on purpose as retaliation for my complaints