davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-16
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. (GA)

XXXX XXXX is not my account as stated in the multiple letters they has sent to numerous addresses to avoid me disputing the account within the time provided by the FDCPA. This account was placed on my credit report knowing it could not be verified as the account was disputed in 2020 by XXXX XXXXk and was removed because the company could not provide legal verification of the debt as per the FCRA. TransUnion and XXXX removed and deleted the account and all information last. The company now has in violation of the FDCPA placed the account on my credit and refused to provide the initial letter prior to the debt being placed on my credit per the FDCRFA. Debt should be removed immediately especially if the creditor states the account is in dispute as i would have done if I received notification under the FDCPA. Creditor has only provided statement and not legal documents bearing my signature I am the person responsible for this debt. If TransUnion and XXXX  doesn't delete this unverified and fraudulent immediately, I will have to file damages under federal and state law as this is damaging my credit rating.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (TX)

Equifaxreports the unauthorized access occurred from mid-XXXX through XXXX. Equifax officials discovered the hack on XXXX XXXX. They failed to notify me at all ( 1 month 10 days as of now ). This is well over 30 days. 

I put in my information to see if I was affected and received the following message from their website : " Based on the information provided, we believe that your personal information may have been impacted by this incident. Click the button below to continue your enrollment in TrustedID Premier "
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (MD)

Due to a program I have been involved with, XXXX XXXX, I have closed my credit card accounts in an effort to avoid incurring unsecured debt. In XX/XX/XXXX I paid down my balance to XXXX on my American Express account # XXXX XXXX XXXX. In XX/XX/XXXX I called an American Express representative to request closure of my account and she confirmed to me that my balance due was indeed XXXX. In XX/XX/XXXX American Express sent me a statement with an entry they had made in error regarding a " transaction reversal '' dating from early XXXX. I've written to American Express numerous times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) requesting a correction and confirmation that my account balance is XXXX as I was advised when I closed the account in XX/XX/XXXX. Their only response is sending me multiple letters stating that they will be sending me " copies of statements that I requested ''. At no time did I request any copies of statements. This feels like harassment at this point and I've requested once again in a XX/XX/XXXX letter to confirm that I have a XXXX balance and they will not report any negative information to credit bureaus. I had this account with American Express for nearly 20 years and I have a stellar payment record.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Medical debt that was turned over to credit bureau of Georgia they took direct payments from my account then stopped thought everything was paid but it's not but it's also under XXXX dollars I was under the impression that medical debt was removed from credit reports
Consumer complaint received 2020-05-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alpine Credit, Inc (CO)

I have 4 collections items from Alpine Credit Collection Agency on my credit report. These accounts originated at XXXX XXXX XXXX in XXXX, CO. I provided my XXXX information at the time of service. Somehow the information wasn't transferred to XXXX XXXX for my x-rays. XXXX XXXX never sent me a bill and I first received a bill from Alpine Credit. I have called Alpine Credit and disputed this account. I have also called XXXX XXXX and given my XXXX information and was told my account would be removed from collections. I called both companies in early XXXX. However, these collections accounts are still on my credit report today XXXX XXXX and has taken a significant toll on my credit report. Can you please help me?
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I filed a police report for identify theft and a credit card account opened in XX/XX/2012 by capital one I never opened this account and informed capital one they could not provide a signed application where I authorized this account I sent them the police report and they still are refusing to remove this account from my credit reports I need your help to make them remove this fraudently account credit card
Consumer complaint received 2021-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

The accounts were closed and they reopened them to harass me and stalk me. To stop me from getting a mortgage. The dollar amounts are XXXX and XXXX. I have disputed all of these creditors through all three credit bureaus. I am trying to pay XXXX XXXX XXXX to do the very same think I have done because they have refused all my requests to close out my accounts and do not open any more accounts using my personal information.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MN)

I opened a vehicle loan with Credit Acceptance Corporation in XX/XX/XXXX. In XX/XX/XXXX, I paid off the loan full, with a XXXX dollar balance, thus closing the loan. The Credit Acceptance Corporation account remained opened and showing a balance due, so I filed a dispute with XXXX, XXXX and XXXX. I also filed a credit reporting dispute directly with Credit Acceptance Corporation to indicate that they were not reporting my account as paid in full with a XXXX balance. On XX/XX/XXXX, Credit Acceptance Corporation deliberately reported inaccurate and false information to the three major credit bureaus, in which they indicated that the account was still open and had a balance of more than {$7000.00}. I received a paid in full and lien release letter dated XX/XX/XXXX, from Credit Acceptance Corporation, in which they state that the account is paid in full, has a XXXX dollar balance and that they have released the lien on the vehicle. At the same time, they were still reporting false and inaccurate information about my loan account to XXXX, XXXX and XXXX, despite their letter to me and despite the fact that my loan account had been paid in full as of XX/XX/XXXX. After trying to resolve this several times directly through Credit Acceptance Corporation and through the credit bureaus, I got no where, and my credit report contains deliberately inaccurate information about my Credit Acceptance Corporation account. Credit Acceptance Corporation is knowingly supplying the credit reporting agencies with inaccurate and false information. My loan account is closed and paid in full with a XXXX dollar balance, and it should be immediately reported to the credit reporting agencies as such.
Consumer complaint received 2021-05-15
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. (NV)

Please remove all inaccurate information - see attachments delete all accounts & inquires listed below FCRA VIOLATION XXXX XXXX {$14000.00} Closed 8 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$14000.00} {$31000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$83.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1500.00} Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX {$3000.00} - Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1600.00} Balance updated XX/XX/XXXX FCRA VIOLATION Delete the inquires below - see attachments XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2021-05-14
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. (GA)

I had 2 accounts with this company. I requested to have both accounts closed on XX/XX/2021, however, the company only closed one account while the other remained open. With the company sleeping one account opened, they incorrectly reported a 30-day delinquency on my report. I have called the company and was told that they would send an update to all 3 credit bureaus to update the account as closed and with no delinquencies. 

The company reported the accounts as closed, however, the delinquency remains on my report and this delinquency is preventing me from maintaining my home loan preapproval and I need it corrected IMMEDIATELY.
Consumer complaint received 2021-05-15
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. (TN)

I asked for my credit report from Equifax on XX/XX/2021 they sent out a report with the wrong name spelling of my last name. I have disputed this numbers of times and other incorrect information on my credit report.
Consumer complaint received 2021-05-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-11-01
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. (PA)

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. 

15 U.S.C 1681 Section 602 states that I have a right to privacy 15 U.S.C 1681 Section 604 states that a consumer reporting agency can not furnish any information without my written instructions XXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX DEPT OF THE TREASURY Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (NY)

I am a natural person, i am a living human being, i have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I demand the accounts listed below because According to 15 USC 1681 : i have the right to privacy and i did not give equifax written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX, XXXX being the supervisor, the player for a White XXXX Reporting organization in collaboration with Equifax is attempting to put their White XXXX knees on the back of my XXXX XXXX XXXX XXXX XXXX, but as a XXXX for XXXX justice, I Fight Back! Im a XXXX & Veteran! Now I ask this White XXXX organization XXXX XXXX to RELEASE a copy of my Tri-merge that was ran on XX/XX/2021, XXXX of XXXX Mortgage Company is the Lender. XXXX XXXX removed my XXXX account number XXXX Paid XXXX Mortgage, WOW can you believe a XXXX man PAID off a Mortgage buddie Roll, this is funny! XXXX XXXX, get my XXXX Mortgage loan back on my Credit Report, get me a XXXX  COPY of my Tri-merge, Hey XXXX XXXX I told you and Equifax that you folks are going to make me a Millionaire! Attached is a copy of my Drivers license, also my Settlement sheet showing that Ive PAID OFF my Mortgage, Equifax you XXXX XXXX XXXX are Not in charge of me, in Federal court I make you talk, and the Consumer Financial Protection Bureau is going to be my Star Witness, also attached is my latest Winnings, the Georgia Lottery, XXXX Life is Good! Hey XXXX XXXX XXXX Equifax, XXXX and XXXX you do know Ive got the Money to Pay off these Charge Offs! Hey XXXX XXXX get my XXXX addresses correct XXXX and the spelling of my name, attached is my Georgia Driver license : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Equifax and XXXX, playing with my name, addresses and accounts hasnt STOP my Consumer POWER as a Powetful XXXX Consumer Leader, Im Winning baby! Oh and XXXX XXXX, that Chimes account better get updated, oh and that XXXX XXXX account, purge this bull, XXXX XXXX, XXXX remove this XXXX LOL, this funny, XXXX XXXX  account, purge, XXXX purge, Ive got a copy of this letter whereby I made each TradeLine agree to purge each TradeLines, but XXXX XXXX Hey XXXX the testimony of the Consumer Financial Protection Bureau is going to make me a Millionaire WOW $ $ $ . Hey Consumer Financial Protection Bureau this is a Mortgage loan in process, timing is very important for me as a XXXX Mortgage applicant, WOW, Im Winning, the testimony of HUD is going to Powerful. See if I hadnt been a XXXX XXXX XXXX, XXXX XXXX XXXX player in the Financial game and investigated the FCRA, the Fair Credit Reporting act & the Fair Credit Billing act, XXXX I would be taken advantage by ALL White XXXX organizations, both State & Federal. See what Im doing is for other XXXX Consumers that dont know how to XXXX Fight Back and dont know how expose White XXXX and get PAID. Its time to take this Money for XXXX & ignorant White XXXX by each Reporting Agency!
Consumer complaint received 2021-05-14
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. (CA)

Dear Experian : I had initially disputed numerous times with Experian Credit Bureau and you are still reporting the incorrect information My last dispute containing this incorrect info was sent to you on XX/XX/2011 : Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete this incorrect and unverifiable address from my credit profile. 

I am giving you NEW info, so you are required by law to properly verified. 

Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. 

I am requesting your method of verification with my dispute as required by the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) 6. B. ( iii ). 

Thank you, XXXX XXXX.
Consumer complaint received 2021-05-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Colony Brands, Inc. (NV)

I called them and explained that I had been denied. The company does business with people that have bad credit. Usually the credit score is around XXXX and mine at the time was XXXX. They denied me credit because people are jealous of me and they leaned toward them and denied me credit.
Consumer complaint received 2017-05-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Weltman, Weinberg & Reis Co., L.P.A. (CA)

I am being endlessly harassed by the current owner of my three outstanding private student loans, Weltman, Weinberg and Reis Co. They call me at least 6 times every day and have recently started calling for me at my new employer. Just last week they left a voice mail message in the general mail box regarding my outstanding debt that I owe. I have tried to negotiate with them and offered to enter into a payment plan but they have ignored me and bullied me and are trying to pressure and intimidate me into paying them money that I do not have. I have other federal student loans and they have been easy to work with and I have gone into payment plans on those loans when I ran into hardship. These three loans currently with Weltman and Weinberg I paid on for nearly 7 years until I was laid off from my job. I went to XXXX University and was in a 5 year XXXX XXXX program. The loans in question were taken out in XXXX, XXXX and XXXX. The verbiage stated that I would not have to begin paying on these loans until I graduated and was working, but since it was a 5 year program the original lender ( XXXX XXXX  XXXX XXXX XXXX ) began sending bills while in my last year of collegethe monthly payment was {$540.00} per month. I paid this as agreed from XXXX to XXXX until I was laid off from my job after nearly 10 years in that field. I could not keep up with the payments and contacted XXXX XXXX XXXX XXXX XXXX to ask for help or some type of reduced payment plan or forbearance but they refused. As soon as I defaulted they transferred the debt to XXXX. I still faced the same issues and was not able to make any payments to XXXX. I then began the licensing process with the XXXX to become a licensed loan XXXX and as part of the process I need to be in repayment plans on any debts. Once again I contacted XXXX and asked them if they would work with me on some type of payment plan. They refused and a week later my loan was transferred to Weltman and Weinberg. As soon as I got the paperwork from Weltman and Weinberg I contacted them to see if they would work with me and once again ran into a brick wall. They refused to enter into a repayment plan or allow me to make lower payments and told me pay them {$600.00} a month or they would come after me. I am back working but not making as much money and still going through the licensing process. I will get back on my feet soon, but this company is not making it any easier with their constant harassment. Additionally, they have caused me a great deal of embarrassment by calling me at work and leaving general voicemail messages that many of the employees could hear. I believe this company is violating the Fair Debt Collection Practices Act. I am also concerned because I looked up the law firm name Weltman, Weinberg & Reis CoXXXX LPA and they are not licensed in California XXXX yet they are sending out letters to me, a California resident on their letterhead. I believe this is also a violation.
Consumer complaint received 2023-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I filled out 3 Public Service Loan Forgiveness forms ( PSLF ) in XXXX of XXXX. To date, only one of them has been processed and certified. The other two are still pending. It has been 15 months. 

A timeline : XX/XX/XXXX Consolidated loans, loan servicer was XXXX XXXX XX/XX/XXXX Submitted 3 PSLF forms for 3 employers spanning the last 14 years XX/XX/XXXX One PSLF form was certified and approved XX/XX/XXXX Loans were transferred to Mohela Here is what I have tried... 
1. Multiple chat and phone conversations first with XXXX XXXX, then with Mohela. They do not have any answers as to why these forms have not been processed. They claim that they are waiting on Federal student aid. 

XXXX. Submitted complaints on the Federal Student Aid website. The first complaint was made in the spring of XXXX and closed automatically when the loan transferred to Mohela. The second complaint was made in XXXX of XXXX, and we have received no response. 

My largest complaint is with Federal Student Aid. It should not take 15 months to certify that an employer is a 501C3. We have submitted everything asked of us in a very timely manner. And still no communication. Even after contacting the Ombudsman group, we have received no response.
Consumer complaint received 2021-08-03
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. (GA)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2023-06-05
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.