davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-07-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

All requests took over 30 days to resolve. Transunion, XXXX and XXXX all report my student loans twice. They report the balances as late when the student loans have been discharged completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with Student Aid Commission. Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken. All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge. All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for medical credit and Transunion reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the discharged student loans with no balances... I owe less than $ XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX ... .on the same day as I applied for the medical credit. So is my score XXXX, XXXX or XXXX? Or should it be higher because I have very little debt. Even with a bankruptcy in 2019, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt. All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.
Consumer complaint received 2023-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

westlake financial s transfered my information over to XXXX XXXX  and they have called me and sent me collection statements for payment i contacted them by phone and asked why they are violating federal law by contacting me when there is anautomatic stay in place in bankruptcy and i was told that they were wanting me to reaffrim with them i stated that i never had any contracts with them ( XXXX XXXX ) and if they have my information how did they get it they the agent XXXX would not provide her name only the agent number and i asked for any agreement that they have that states that i gave them promission to contact me and violate the FDCPA laws and right to privacy Act, and also mail fraud. I was told to contact wet lake which i did XX/XX/XXXX @ XXXX and was told that yes they did send my information over and yes they do know that i have bankruptcy. and they also too a {$750.00} payment on XX/XX/XXXXXXXX  ; which was after the filling. also it has been place on my credit profile which bankruptcy court do not report to credit agency ; after i contacted them i was block from online account Bankruptcy Code Section 524 ( a ) ( 2 ) : This provision prohibits creditors from harassing debtors. Sending a payment statement to a debtor who is in bankruptcy could be considered harassment. 
Bankruptcy Code Section 526 ( a ) : This provision prohibits creditors from discharging debts that are not dischargeable in bankruptcy. Sending a payment statement to a debtor who is in bankruptcy could be considered an attempt to collect a non-dischargeable debt.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX erroneously and illegally reported a duplicate automobile account on Equifax with a Last Activity Date of XX/XX/. 

XXXX XXXX is not reporting on XXXX or XXXX is not updating XXXX XXXX 's reporting because it is not on my XXXX report.
Consumer complaint received 2023-07-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-02-02
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. (AZ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I have looked over my Credit Reports and found some negative accounts that are not connected to me and I will like for these accounts to be DELETED Now! 
I Never gave my permisson for any third party or collection agency ton put anything on my Report without my permission. I understand that the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection practices Act 15 U.S.C. 1692. it states that I have the rights to have the correct Information put on my report and my righgts have been violated!
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I always paid on time, and this giving me anxiety, I neves XXXX paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

XX/XX/XXXX  EQUIFAX RE : Method Of Verification I am requesting the Method of Verification for the following disputed account ( s ) : Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Confirmation # XXXX This letter shall serve as formal notice of my intent to file a complaint with FTC due to your blatant the and objectionable disregard of the Federal Law. Since you have not given me the names of person with their business addresses that you contacted for verification of the information, so that I could follow up as I requested, I assume that you have not been able to verify the information I have disputed. It is really disappointing to find a credit bureau not following the procedures and not maintaining the accuracy norms as required by the Fair Credit Reporting Act ( FCRA ). This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is NOT a DISPUTE! Again I AM NOT DISPUTING THIS ITEM! This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the item ( s ). Please mail me the proof of your investigation or remove the negative information. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 
1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Your company has never validated or verified these judgement lien entries on my credit report. I need the child support information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

Balance increasd in XXXX XXXX XXXX .COVID POLICY had forbidden MOHELA to collect /froze pmts..Balance increase for essentially a XX/XX/XXXXXXXX  pmt. when Pmts. start XXXX XX/XX/XXXX. Main Issue is that MOHELA did not fwd to Credit Bureau .a footnote ( that all due to ) to Mohelas unpreparedness on matter difference between restarting loans and any balance increase not borrowers fault ( nor late ) if pmts start in XX/XX/XXXX. As such a footnote/waiver to when is a pmt, restarts and balance increasing due to U.S. GOVT saying pmts restart in XXXXXXXX  .No billing statement sent ( XXXX % mumbo jumbo ) for XXXX XXXX Made Payment on or XX/XX/XXXX. On XX/XX/XXXXXXXX  ... 15 DAYS AFTER MY PMT.THEY SEND NEGAITIVE STATEMENT to credit bureau with XXXX reort that pmt made on XXXX = balance decrease compoundwed with COVID POLICY on student loans
Consumer complaint received 2022-12-20
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. (VA)

When I reviewed my credit report, I discovered that one of the information was erroneous. The 3 credit bureaus must validate this particular account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report XXXX XXXX XXXX : {$110.00}
Consumer complaint received 2023-11-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (NC)

A rep from Bull City Financial called me almost 3 months ago and was supposed to send me the actual bills so I could look them over and either dispute the claim or set up a payment arrangement. She took a payment of {$110.00} over the phone from me and told me that once I get the bills call her back and she could file the dispute over the phone or the monthly payment amount of {$110.00} would be charged to my card each month on the XXXX of the month until the bill is paid in full but would not be reported to the credit bureau since I never was notified until she called. No monthly payments were charged to me, I never received any bills or itemized statements in the mail yet on my credit report a collection is showing from Bull City account XXXX for {$1800.00} which is the same amount the rep mentioned on the phone that day before taking my payment of {$110.00} I want this collection account removed from my credit report immediately and want the statement sent to me as promised so I can either dispute the amount or continue to pay on a payment arrangement like I was promised.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


BK XXXX XXXX : Account number : XXXX - XX/XX/2019 XXXX XXXX XXXX : ccount number : XXXX - XX/XX/2019 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NE)

LVNV, LLC sent me a notice of debt collection awhile back to the tune of maybe {$1200.00}. I didn't keep it because the debt wasn't real and I assumed it was just a fraud attempt. Thursday last week I was notified of a civil writ in XXXX XXXX, Nebraska against XXXX XXXX, XXXX at my address over the debt. I notified the county official via text that I'm XXXX XXXX, but not XXXX, and I haven't heard anything back from the county. I did however, get two letters from lawyers saying that the suit was from LVNV. From what I can tell, they screwed up the address, made no attempt to verify, and then jumped to a lawsuit. So the actual person being sued hasn't gotten any notice ( by mail, at least ). I'm just submitting this complaint because this negligent company didn't do its due diligence or research and is now potentially screwing up this other person 's credit.
Consumer complaint received 2023-11-29
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

In XX/XX/2021 I purchased an air conditioner from Home Depot under the condition that it will be interest-free if paid in full within two year. 

I paid the full amount in full and within the 24 months yet I being charged {$1600.00}. Home Depot acknowledged receipt of the full amount and within the 24 months of the agreement but says that because their system only allows them information for few months only, they wont reimburse the interest. 
At one point I got a call from the H D and told me that they will return the charges but that I had to talk to Citibank. When eventually talk to the bank, they didnt know anything about the credit and the person who called me was no longer on the line, I have call H D over 10 times, sent many letters, including a certificate return receipt letter, but all to no avail. 
Please HELP me, I am a retired XXXX XXXX XXXX to whom this amount represents a fortune. 
XXXX XXXX
Consumer complaint received 2024-03-15
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. (LA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 


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I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ResidentCollect, Inc. (TX)

XX/XX/2020 with an amount disclosed of {$3800.00} was shown on my credit report which I did not authorize and nor have I ever leased with this company. Ive reached out the the company and disputed the account is currently still open and has not been removed. Ive talked to the apartment and they provided a letter that states they have no record of me staying there.
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I got an email from a XXXX XXXX ( email XXXX ) saying that I had purchased .017 Bitcoin for an amount of {$470.00} that they were going to take from my bank account. They even had an invoice # XXXX and a phone number which is XXXX. When I called that number, a person with a heavy foreign accent began to ask me for additional information to process a cancellation of the invoice. I refused to give any futher personal information. I called my bank and they said no money had been taken yet and they would keep the account under surveillance if such an invoice did come to the bank. This was all done under the name of PayPal who wrote that the payment was processed. 
The PayPal support team number was XXXX. 
If they had taken this money from my account it would have crippled me financially.