davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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: CL Holdings LLC (GA)

THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT. 

Section 609 ( a ) ( 1 ) ( A ), [ 15 U.S.C. 1681g ] section 607 [ 15 U.S.C. 1681e ]
Consumer complaint received 2024-04-03
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these inquiries am complaining.
Consumer complaint received 2023-08-24
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. (PA)

ILLEGAL REPORTING OF INCOME ON MY CREDIT REPORT, no INCOME IS ALLOWED TO BE REPORTED ON A CREDIT REPORT The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report. 
IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 

I have also filed a 1099-c on XX/XX/2023 which was accepted by the Irs and then mailed to XXXX XXXX  and then directly was emailed & directly mailed to their CEO & CFO with a copy of the 1099-c, which I have submitted here. 

Please immediately delete the following accounts immediately from my credit report! 


XXXX XXXX  CHARGE OFF FOR {$880.00}
Consumer complaint received 2016-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (VA)

I have tried to get my student loan servicer, Pennsylvania Higher Education Assistance, to apply my payments to the Public Service Loan Forgiveness program. Their Ombudsman was able to find XXXX payments that qualify but only payments from XXXX XXXX. The previous payments another servicer are not considered " Qualifying Payments '' I made XXXX payments between XXXX XXXX and XXXX XXXX and would those credited towards my XXXX qualifying payments. The payments were made per these requirements : Must have been made after XXXX XXXX, XXXX Must be on-time ( no later than 15 days after the scheduled due date ) Must be made each month, satisfying in full the installment amount due for that month Must be made when the loan is not in a default status Please contact the servicer and have them apply payments as per the law. 
Thank you
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX  and experien they reporting my publick record chapter XXXX  bank cruptsy and and some accounts they are not investing correctly nor providing me method of verification or prove how they verified the info is correct its been 1 year am disputing with them please help me out
Consumer complaint received 2023-05-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (VA)

( Ref ID - XXXX ) Paypal you are XXXX  wrong I don't care what you have to do to get ethical employees and quality Assurance that is fair & respectful of customers but you better find a solution to this XXXX backoffice that exploits XXXX and private class citizens from accessing their money cause I'm not having it or waiting another day for you to release my funds. You have all these rules and restrictions but the audacity to claim we can use your financial services securely. Today was hit milestone limit of your malicious and scrupulous ways. If you are going to advocate and market your services to consumers than let utilize them without prejudice. I was on the phone all day begging for support escalate the release of my account because a merchant owed me money & when the company actually agreed to pay me back you had the nerve to limit my account that was already restored 6days ago but you can't explain what actually went wrong~Nothing! You just keep sucking the life out of XXXX  and other ethnicities that are solid and grounded in financial stability. I'm XXXX  & instilled trust to deposit my money into your company with hopes that you would respect my interest. But your so called Back Office proliferates hatred and hostility towards consumers with racism and bias. I am XXXX  and you knew I called today to settle my account so I could conduct my medical billing for the week but you ignored my every regard to establish reciprocity. Foolish heathens how dare you try to make me wait 180 days to retrieve my money. You haven't given me anything but grief and XXXX  and the fact you solicit your services with segregation is beyond fathom. At least ask or notify a customers if you have concerns. Don't go pulling tricks and snaking customers behind their backs to take money that doesn't even belong to you. Keep it and practice common sense and professional values. You don't give anybody a PayPal XXXX to follow when they sign up but stay having the excuse to Limit their accounts just for utilizing the app features you say we can use. If I wana transfer money into my bank account or pay a bill that my prerogative It doesn't cost you anything~So why the heck do you train agent 's to tells us lies that it's in Paypal 's interest to protect us from risk when you are actually the ones practicing Shady compliance. Please release my money by tomorrow morning before I call a XXXX XXXX reporter to investigate your Compliance fraud. If you continue to violate consumer privacy & practice unjustifiable bias you will lose business from XXXX XXXX citizens. Please get a Public Relations Advisory to monitor the negation of your Back Office team cause they are running XXXX XXXX business like a XXXX plantation.
Consumer complaint received 2020-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I've had a really rough time with CMRE Financial Services for nearly a year. During this time, they have violated all norms of decency : from calling repeatedly despite me asking them to stop calling, to trying to continue to collect after it was referred to my insurance, and then reporting an unpaid bill to XXXX   after the bill was paid in full by my insurance. 

This all began last year after I was admitted to the emergency room for a sudden XXXX event, after which I had to pay several thousands of dollars in medical bills ( which were paid on time and in full ). Several months after this visit, I received threatening calls from CMRE ( e.g., " If you do not call now we will pursue legal action '' ). Much to my surprise, they were trying to collect on a medical bill I had never received. Callers were aggressive, disrespectful, and gave wrong/misleading information in attempts to collect debt ( e.g., multiple notices had been mailed, legal action would be taken if not paid, insurance would not pay for services, etc. ). Worst, after checking with my insurance, it appeared to be linked to overbilling for medical services that were never received. After reporting this to my insurance company ( XXXX ), they began negotiating with CMRE to bring the original bill down and pay the remainder that was due. During this time, CMRE repeatedly called me, telling me to pay in full or else they would take legal action. 

Fortunately, my insurance was able to get them to remove excessive charges and paid the rest of the bill in full ( see attached ). Despite this, CMRE still sent this dispute to XXXX, which results in a derogatory remark and a 22 point drop in my credit score ( see attached ).
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MN. XXXX XXXX : XXXX Date of birth : XX/XX/XXXX Date : XX/XX/XXXX Dear Equifax Sir/Madam. 

I would like to investigate the accounts listed below as it is not reporting on my credit report : Creditor Name & the account : XXXX I would like to see my payment history this account. Can you please send it to me. I paid off i have a zero balance. please look all 3 credit bureaus with different reporting this needs to be remove from my file and the credit bureaus it not reporting not accurately I wait your response, Thank you.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I contacted and mailed experian on XX/XX/22 about some information that wasnt mine and addresses to places i never lived. I have yet to hear anything from them to get these things taken care of.
Consumer complaint received 2023-08-23
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. (MI)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2017-07-18
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. (GA)

I have submitted several written disputes with the credit agency notifying them of  XXXX   XXXX   XXXX  attempts to report fraudulent information.  XXXX   XXXX   XXXX  is stating that I owe  XXXX   XXXX    XXXX   {$670.00}. This information is false. I have never had a account with  XXXX   XXXX   XXXX . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureau and  XXXX   XXXX   XXXX  requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from  XXXX   XXXX    XXXX   authorizing  XXXX   XXXX   XXXX   to collect  the debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following sect ion 16 of the FCRA -Documented proof showing payments were made by me on this line of credit -Documented proof showing th e dates within the credit file are correct  XXXX   XXXX   XXXX  has falsified their  reporting and the  credit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.
Consumer complaint received 2021-04-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (NC)

XX/XX/2021 I went to XXXX XXXX of XXXX for to test drive a vehicle that I had seen advertised on their website and had made a specific appointment to see. 

*The window sticker was not available for me to view even when I asked to see it and asked for information ( EPA ) that would have been on the sticker. 
*The salesman XXXX XXXX did not tell me the price of the car when I asked him repeatedly. 
*When applying for an " estimate '' for the loan I was ignored when I requested several times to add a co-borrower so I could take advantage of the best interest rate Kia offered. 
*XXXX  XXXX and XXXX XXXX engaged in high pressure sales tactic that included deception, bullying and intimidation. 
* I was never shown my options for loan terms so I could make an informed decision even though I asked for them in writing. 
*My electronic signature was " accepted '' and used by XXXX XXXX the finance manager without my consent when he clicked on all of my signature spots on an XXXX. 
*I was told I was giving my information for an application not for a contract. 
*I asked to see a copy of the paperwork several times and was told I could " see it later '' *I was told I qualified for {$1000.00} cash incentive from the dealership, then it was not applied. 
*I said I did not want any warranties, service contracts or gap insurance and those were applied to the loan anyway. 
*I was told I could not leave the new car on the lot through bullying and intimidation. I was pressured into leaving the lot with the new vehicle including following me to the bathroom and waiting outside the door, and not allowing me to call my insurance company to add the car to my policy. 
* I found all of the relevant paperwork including the window sticker in the glove box of the car after arriving at my home. 
*I returned the car to the dealership on Sunday XX/XX/2021, as I believe I do not own it. 

No contract was formed as I was led by fraud by inducement.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I have an account that I was trying to dispute experian is not letting me dispute item item has been there for 7 years there is no info to contact to contact creditor its comenity bank mandee.
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MA)

Upon closing my account, I was assured by their customer agent that I had paid my entire bill and I would be refunded {$55.00} for the annual fee they had charged to my account that day. All of my purchases had been completed 6 days prior. I asked my refund in the mail. 2 months later I found out that one of my purchases had posted late and I had an outstanding balance of {$22.00} dollars. They did not notify me of this correctly and misinformed me that this payment had posted since payments made days after it had already posted successfully. They then charged me a  XXXX  dollar fee. When I asked them to remove it I had to speak to several customer agents. They then said they would call me back with an agent from their team to resolve these disputes and never did. Total scammers.
Consumer complaint received 2023-08-23
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)

Your Name Your Address Credit Bureau Name Credit Bureau Address Date RE : Last 4 of SSN : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : SEE ATTACHED UPLOADED PHOTOS. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my SIGNATURE, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX
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 — Account status incorrect
Company: EQUIFAX, INC. (GA)

I discovered last month that   XXXX   XXXX   XXXX   is still continuing to report mortgage payments located at   XXXX   XXXX   XXXX  .   XXXX   , GA to creditors. I contacted them last month and advised that this loan was filed under Chapter  XXXX  in  XXXX . I was not provided any assistance. I reached out to  XXXX  and  XXXX  and filed a dispute. I received the message dated  XX/XX/XXXX  from   XXXX   : Discharged through Bankruptcy Chapter  XXXX . This account is scheduled to continue on record until  XX/XX/XXXX . I contacted the bankruptcy attorney who advised that this account should not continue to be reported on my credit. It is being reported to all credit agencies. This debt was included in Chapter  XXXX  back in  XXXX .
Consumer complaint received 2021-04-18
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. (OH)

I will attach multiple letters showing numerous times I tried to contact the credit bureaus to resolve this issue. I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is primarily stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to the stress you caused me. XXXX is still reporting inaccurate names after verifying my identity with proof of identity, XXXX XXXX deleted the wrong XXXX account even though the account numbers was totally different must be a system error I would like that fix asap and have the account in the letters be deleted immediately from all three credit bureaus and update my personal information like I asked. Also I provided proof of payment on a bank statement and shows that its a error on XXXX XXXX end I was never late.