davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
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. (AL)

I am in the process of trying to build a home. I was denied and I could n't understand why however, when I pulled my credit report I understood why. I was really so upset that so many accounts were reporting on my credit report that I had no knowledge of. I did contact the creditors but they would not do anything but try and make me pay for debt that was not mine. I have written letters and still nothing has been done. Please help me. The following accounts are on my report and are not mine.   XXXX   XXXX   XXXX  . This is an account that I have no knowledge of and it is not my debt! There are  XXXX  US Department of Education on my credit report. These are not my accounts and I have no knowledge of these accounts.   XXXX   is also reporting  XXXX . These are not my accounts. I work very hard to pay my debt however I refuse to pay a debt that does not belong to me. Please help me! This is a type of fraud that these creditors continue to report this false information.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have requested numerous times from Experian to update my credit report with the correct file and I have not been successful. I keep getting the run around. I have provided documents showing a name change and they have not updated any of those information. My old name is   XXXX   XXXX   and it has been changed to    XXXX   XXXX   XXXX   XXXX  . I have also requested for any old addresses to be deleted in   vain. Please see attached a copy of my passport, a copy of my driver license with the correct address, a copy of my Social Security Card and a bill showing my current and only address that should be showing in my credit report. I have also attached a copy of the court order showing my name changed.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I just completed a chapter  XXXX  bankruptcy that included the    XXXX   XXXX      home loan. the house was surrendered and the loan included in the chapter  XXXX  with the successful completion of the chapter  XXXX  the loan must now show  XXXX  balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter  XXXX  the   XXXX   XXXX   home loans should now read closed. zero balance.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In   XXXX   of 2017, I paid back a medical in the amount of  XXXX . The creditor   XXXX   XXXX   XXXX   XXXX   advised me that once the amount was paid, the trade line would be removed from my credit. As of today,  XXXX / XXXX /2017, the trade line remains and has not been updated AT ALL. It is continuing to impact my credit when I was advised it would no longer. Instead, this company left the full amount on my credit report and just stopped providing updates, which is an FCRA violation.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: North American Credit Services (FL)

In  XXXX  of 2017, I paid back a medical in the amount of   XXXX  . The creditor North American Credit Services advised me that once the amount was paid, the trade line would be removed from my credit. As of today,  XXXX / XXXX /2017, the trade line remains and has not been updated AT ALL. It is continuing to impact my credit when I was advised it would no longer. Instead, this company left the full amount on my credit report and just stopped providing updates, which is an FCRA violation.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2017-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

Went to NelNet website.
Logged in.
Made specific payment to   XXXX   XXXX  .
Put {$1000.00} on   XXXX   XXXX   My {$1000.00} went to ALL   XXXX   loans   XXXX   XXXX  .
Called, dialed 0 to bypass robot answering, got   XXXX    woman.
 XXXX  woman denied fixing the problem. Denied it went to all loans. Denied me talking to higher up personnel. Assured me I could fix problem myself. Assured me I made the mistake. Told me to have a nice day. Phone conversation ended.
<P/>
Why ca n't I pay on specific groups as I have selected?!
I want this issue fixed now.
Consumer complaint received 2017-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Webcollex, LLC (FL)

Morning, My name is   XXXX   XXXX  . I have been trying to fix my credit now for the pass few months. I have been getting repeated phone calls from this company I have asked them to verify this Debt if not deleted this from my Credit Report instead all I got back was a letter indicating my name and debt amount is correct. Which is not : ( Bellow is the BBB Complaint I had file :   XX/XX/2017   Receive Business Response Thank you for the notification of the compliant filed by  XXXX  (  XXXX  )  XXXX . CKS Financial appreciates the opportunity to respond to her concerns. Please note that upon notice of the compliant, a member of our Compliance team conducted an investigation into the allegations, including a review of all telephone and written communication associated with the account. A summary of that investigation follows : On   XXXX    XXXX , 2017, we received a call from   XXXX   XXXX   after she was informed by the original creditor, that her account had been sold to us. During that conversation, she requested a reduced payment arrangement, as well as a deletion of the account from her credit report. The agent confirmed CKS Financial 's purchase of the account and offered a reduced payment arrangement. The agent also informed   XXXX   XXXX   that if the account was being reported by CKS Financial to a credit reporting agency that it would be reported accurately to reflect the account status.
 XXXX 
While CKS has attempted to resolve the account with   XXXX   XXXX   and offered several reduced payment arrangements,   XXXX   XXXX   XXXX   insistence that we delete the account from her credit report has prevented us from reaching a resolution of the account.
 XXXX 
In response to   XXXX   XXXX   XXXX    allegation of receiving daily telephone calls from our office. A review of the telephone activity does not support that allegation.
 XXXX 
In response to   XXXX   XXXX   XXXX   request for account validation, our records do not reflect receipt of said correspondence. We have however validated the account and have provided it to her along with this response at the address provided by her in this complaint.
    
We invite   XXXX   XXXX   to contact a member of our Compliance team if she has any questions or would like to provide additional information. A member of our Compliance team is available Monday through Friday from  XXXX  to   XXXX   Eastern Standard time and can be reached directly at  XXXX  or  XXXX 
         XX/XX/2017  Notify Business of Dispute  XX/XX/2017  Send Acknowledgement to Consumer  XX/XX/2017  Case Reviewed by BBB  XX/XX/2017   Case Received by BBB
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I have contacted the bureau dating back to the middle of  XXXX . Disputing the multitude of discrepancies on my credit report. I HAVE contacted each entity that has fraudulently ran my credit and they were unable to verify any history of me consenting to such. I hold NO card, mortgage, nor debt with these entities and this run around has become tiresome and a blatant violation of the FCRA. I have called multiple times a day seeking retribution only to be met with a complete disillusion on their end as to how the reporting process works. The bureau plays oblivious to the wrong doing and the agency who falsely ran my information in turn tells me to contact the bureau for the correction. I did NOT consent to the inquiries on my account and an immediate resolution of DELETING these inquiries needs to be met. See below for the inquiries I did NOT consent to ; Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX  and  XX/XX/XXXX .
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Despite multiple requests, the unverified item with  XXXX , inaccurate payment status, and inaccurate creditor contact information still remains on my credit report in violation of Federal Law. I have contacted  XXXX  via mail and have returned undelivered mail with inaccurate address on file, and via phone  XXXX  has told me I never had account with them. TransUnion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I 'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. TransUnion is also reporting incorrect contact information, and payment status on report for the   XXXX   creditor.
Consumer complaint received 2017-07-17
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: LEXISNEXIS (NY)

I have made 4 to 5 attempts to Obtain my Consumer Credit & Insurance profile for free from Lexis Nexis Consumer Reports under FACT ACT Disclosure following all procedures as detailed on Lexis Nexis website ; dob ( XX/XX/XXXX ) I have attempted via US Postal Service w proof of identity a mailed request to Lexis Nexis ; yet Lexis Nexis refuses to properly verify my id I have several consumer accounts and the XXXX other bureaus have mananged to verify my id, I am a victim of ID theft and even the IRS was able to verify my id ; why Lexis Nexis refuses to help or disclose my report I do no know as I have acted with integrity in matter pertaining to my request for my Consumer Report DOB XX/XX/XXXX
Consumer complaint received 2017-07-17
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. (GA)

Bankruptcy was dismissed  XX/XX/XXXX  and still has not been removed. ( Was originally filed XX/XX/XXXX  ).
Judgment was satisfied Supreme Court State of N.Y  XX/XX/XXXX  and still has not been removed.
Consumer complaint received 2017-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Prior to paying on my account with portfolio recovery associates, It was in agreement with the reps I spoke to that the account would be deleted after it was payed. I ended up paying the entire amount owed, and received a letter in the mail that it had been paid in full. After months of the debt still showing on my credit report as " paid, {$0.00} owed '' I contacted portfolio recovery associates to ask again for the item to be removed as that was our original agreement. At this time I was given the run-around, told to contact  XXXX  etc to have them delete it. I am currently trying to dispute the item to no avail. I had read that this is a regular occurance when dealing with this specific collection company.
Consumer complaint received 2023-04-13
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (MS)

I am unaware of this debt I did not have the opportunity to dispute this information I did not receive proper notification if in fact you believe that you sent me proper notice please send me the certified receipt with my signature on it stating that I received it and was aware of this debt
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NY)

I have reached out to Ally and the credit bureaus to correct the stated balance which is reported double than what I originally owed but they keep reporting the incorrect amount event though according to the original contract was for XXXX not the reported XXXX that is showing on my credit reports.
Consumer complaint received 2017-07-18
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. (TN)

XX/XX/XXXX I mailed all the information requested to XXXX. I registered on line to dispute. Online will not let me continue, it says I am already set up. XXXX XXXX XXXX, my drivers license number is XXXX. I recently updated the address to reflect XXXX XXXX XXXX XXXX. I mail a copy of my XXXX tax return. This information is prior to two months. I filed bankruptcy in XXXX. The addresses shown on the credit report are XXXX XXXX XXXX XXXX XXXX TN XXXX. The spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TN XXXX, the spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX. XXXX XXXX XXXX XXXX TN is one Of The addresses used by me. The case number is XXXX. The property at XXXX XXXX XXXX XXXX TN XXXX was foreclosed on. The Trustee was XXXX XXXX. XXXX XXXX XXXX an agent for XXXX XXXX is on my report. XXXX XXXX XXXX XXXX in XXXX TN is on my report. XXXX XXXX XXXX XXXX is on my report, account number XXXX. XXXX XXXX is on my report. An inquiry was done with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX handled the bankruptcy case. Attorney XXXX XXXX filed the case. Attorney XXXX XXXX XXXX also helped with the case. The tax transcript I filed with IRS shows I filed my return with XXXX XXXX  {$19000.00}. Refund in the amount of {$1700.00} was applied to balance with IRS. Fraudulent transitions are being reported to IRS using my social security number. IRS have my current address on file XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My former employer ein number is XXXX. {$23000.00} was reported to IRS when I was laid off on XX/XX/XXXX. A fraud tax return was filed using my social security number. I 've reported to IRS using XXXX form for investigation.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

The credit Company is   XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   I did not apply for this card. I have been writing letters to this company and all   XXXX   credit bureaus for a number of years off and on. There has yet to be a resolution and this company as well as the bureaus have yet to delete from my credit files. I just recently written the companies this past   XXXX    XXXX , 2017 and still getting computer print outs with no validation of signature and who verified the account as accurate.
This negative and inaccurate reporting has been going on for over ( 7 ) years which is past the statue of limitations for the state of Georgia.
This company continues to re-age this information into my credit reports.