davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (WY)

XX/XX/XXXX - Blood draw at clinic in XXXX XX/XX/XXXX - I called XXXX XXXX to request the bill for services be sent Wyoming Worker 's Compensation XXXX Wyoming Worker 's Compensation paid my claim and took their deduction as a participating provider XX/XX/XXXX - My credit score fell 58 points as a result of Wakefield and Associates adding this debt to my credit report XX/XX/XXXX - Filed a dispute, the debt was paid - the item remains on my credit report XX/XX/XXXX - Contact XXXX XXXX - no supervisor on staff, must return my call. Spoke to XXXX. 
XX/XX/XXXX - Contacted XXXX XXXX - no supervisor on staff. Must return my call. 
XX/XX/XXXX - Contacted Wakefield and Associates - stated they would remove Workers Comp charges as it is a violation of collection law. The item remains. 
XX/XX/XXXX - Wy Workers Comp contacted XXXX at XXXX XXXX. She would enter a ticket and have the item removed collections. 
XX/XX/XXXX - Spoke to XXXX. The ticket is in place but has not been worked. Still remains on my report.
Consumer complaint received 2019-12-10
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK (NC)

Resolved debt through XXXX XXXX XXXX selected by debt reduction company Freedom Debt Relief in XX/XX/2019 for {$11000.00}. The precedings were held in XXXX, NC. The law firm as well as XXXX have filed documents concluding the debt collection. Freedom Debt Relief has not acknowledged the resolution and they have not adjusted my account. I have called and emailed several times but they have not performed their duties in accounting for the debt resolution. They wish to continue drafting my account monthly and collecting fees.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I had paid off the loan early in XX/XX/XXXX and was expecting to have my score updated because it significantly affecting my credit score and preventing me from getting approved for my student loan I need this semester urgently As soon as possible. 

i have filed more than 5 disputes to Experian including documentation stating that the loan has been paid. I even call Experian to do it a different way yet I still keep getting the same results saying the the company affirm reported the information is accurate when its clearly not. Especially when they website itself generated a certificate document stating that the loan has been paid completely! its reported false incorrect information! 

I need this fixed fast! 

I checked on XXXX and that balance isn't shown there only in Experian so they need to properly recognize it and update it
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent Accounts ( XXXX XXXX XXXX XXXX ), ( XXXX XXXXXXXX XXXX  XXXX ), Fraudulent inquiries XXXX XXXX  date of inquiry ( XX/XX/2022 ), XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX  date of inquiry ( XX/XX/2022 ), XXXX  XXXX date of inquiry ( XX/XX/2022 ), XXXX date of inquiry ( XX/XX/2022 ), XXXX  XXXX date of inquiry ( XX/XX/XXXX XXXX  ), XXXX  XXXX date of inquiry ( XX/XX/2022 )
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-03
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. (IL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have been trying to correct incorrect information XXXX XXXX is reporting on my credit report. Several times now, they return responses that are long and rambling and they regurgitate facts not related to my complaint. They appear to be trying to subvert this process by supplying nonsense responses. They are not addressing the inaccurate reporting in my credit. Further they tried to subvert this process by saying I had the wrong company when I fact I supplied the information that showed they were the right company. 

They continue to I accurately report my credit as an active account accruing interest and penalties but my account was and is a charged off debt that is unable to accrue interest and penalties. They are not reporting my credit correctly.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right of privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a customer reporting agency can not fumish a account with out my written instructions
Consumer complaint received 2019-12-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Solutions, LLC (KY) (SC)

In late XXXX of 2019 I was contacted by Credit Solutions , Inc. located at XXXX XXXX XXXX , XXXX, KY XXXX about a medical bill I owed. The person I spoke with told me I was setting up a one-time payment only and that I would be able to pay monthly. I agreed to this because I am self-employed and never know exactly how much money will be in my bank at any given time. I have been self employed for over 20 years and it is a policy of mine not to EVER authorize automatic payments for just that reason. 

On XX/XX/2019, Credit Solutions Inc. took {$110.00} from my bank account. I NEVER authorized any automatic payments to be deducted from my account. I contacted my bank to get a phone number, and called that number. I was SHOCKED when the person on the other end of the line said I had authorized automatic payments. I NEVER DO THAT. I forcefully explained that I never gave authorization for automatic deductions to be made, and that if there was some misunderstanding on their part and they thought they did have authorization, I RESCINDED any authorization for them to make any automatic deductions from my bank account at any time in the future. 

They said they would stop the automatic deductions, but I can not believe that, since they never had authorization to begin any automatic deductions. 

I am seeking help from CFPB to ensure that the automatic deductions are stopped and if possible to prevent Credit Solutions from doing this to anybody else in the future.
Consumer complaint received 2022-10-03
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. (MO)

I have tried multiple times to fix this issue with Trans Union and XXXX concerning the XXXX XXXX account. I have informed them several times how the account is not reporting accurately on my credit report. The XXXX is reporting that the account STATUS IS LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE. 
The TRANSUNION is reporting STATUS : CLOSED / payment after charge off/collection settled- less than full balance. 

It has now been XXXX months that I have tried to get this item removed from my credit report for reporting incorrectly Trans Union and XXXX have failed to do a proper investigation. They continue to let the an accurate reporting continue month by month while continuing to damage my credit.
Consumer complaint received 2019-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I used XXXX, which is built in to the Capital One app to send {$XXXX} for a deposit on a puppy on XX/XX/2019. 

The breeder then went dark and after some internet sleuthing I realized the litter was never born and I would not be getting a puppy as promised. Based on the breeders on contract if no dogs were born my deposit was supposed to be refunded. I sent multiple calls, texts and emails to the breeder to try and recoup my payment but she has never responded. 

I then filed a dispute with Capital One on XX/XX/2019 who clearly states in their app that XXXX is a " Safe and Secure '' way to send money. However, my dispute was denied simply because the transfer went to who it was supposed to go to. Even though I was scammed and never received the discussed goods. I tried to reopen my dispute with more information and documentation to support my claim but Capital One said it could not be looked into or escalated any further and there decision was final. 

I also tried to contact XXXX for a resolution but they only have an automated system which directed me back to Capital One. This service is atrocious, and that fact that it is BUILT-INTO the capital one app should certainly afford me at least the same consumer protections that are accompanied with XXXX or other money transfer services. 

This app knowingly and willingly supports scam artists and Capital One seems to not care and continues to use it within their platform. This is very bad for consumers and and very bad for both XXXX and Capital One.
Consumer complaint received 2023-05-24
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. (TN)

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. 

Account name : 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 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
Consumer complaint received 2019-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

This is my third time submitting this problem! I have continued to send the proof that this account needs to be removed. My next step is to take legal action please review the attached documents AGAIN and remove this account. THIS IS A CERTIFIED COPY FROM THE CREDITOR FOR REMOVAL!!
Consumer complaint received 2019-12-10
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: WHEELS FINANCIAL GROUP, LLC. (CA)

I have contacted XXXX  directly, as well as, XXXX, XXXX, and XXXX  since XX/XX/2019 disputing the error that is being reported in the amount of $XXXX. This is heavily affecting my quality of life.  Neither the creditor or the credit bureaus have provided me with a contract or other legal proof supporting their claim.  Both of them just send form letters that avoid the request to show proof.  I need their ridiculous paper shuffle to stop.  By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX OF XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX FIN XXXX Balance Owed : {$680.00} XXXX FIN XXXX Balance XXXX : {$1900.00} XXXX XXXX XXXX Balance Owed : {$52.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CAR XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (OR)

To whom it XXXX concern, My name is XXXX. Back in XXXX I called XXXX to settle down my account with them. They told me they sold my account to XXXX  and I should give them a call. I called and spoke with a guy named XXXX and if I pay within 3 days he will do a pay to delete. He sent me a letter to my email about settling down my account for {$3000.00} and to send the checks overnight so they get in time. I sent them all over night with the following writing on all three of them Endorsement of this check constitutes payment in full. You agree to delete within 30 days from my credit report. 
They violated my rights by cashing the checks and not deleting the account and by promising they will update and they never did. 
I called them a week after they cashed them and they told me everything looks good and they will delete and update credit bureaus. They didnt!!! I called them a month later and they told me it takes 60 days to update. Now its been almost 6 months and I sent them letters and they ignore my request. Thats a breach of contract rights. They breached the agreement by still reporting to all credit bureaus that I owe them $ XXXX while we agreed on {$3.00}. How could I owe $ XXXX on an account we agreed to settle for {$3.00}?!?! Not only that but they are reporting incorrect info such as date of last activity, balance owed, last payment, etc! Each credit bureaus has different information and there are inaccuracies among all three bureaus. This means the account has not been properly verified!!
Consumer complaint received 2022-04-22
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: Xtreme Products LLC (CA)

XX/XX/2018 for {$820.00} I have requested that this account be investigated multiple times. For the last 3 years I have sent multiple disputes and request for the validation of this account. I have never have received investigation response for neither of the 3 major credit bureaus. I have sent in multiple request trough certified letters and I have yet to receive anything back from this creditor.
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I'm formally notifying your company that if the situation isn't rectified within XXXX days, I'll file a complaint with the FTC. You must respond within XXXX  days as required by law. Non-compliance may result in fines of up to {$1000.00}. Please provide the requested documents within XXXX  days to avoid further action. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-21
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. (IL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : 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 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (TX)

I went to Experian and signed up for a 7-day free trial that would expire on XX/XX/2023. However, on XX/XX/2023, Experian went into my account and illegally took out {$27.00}. When I became aware of this transaction, I immediately contacted my bank to dispute the unauthorized charge, then I called Experian. After, several attempts and calling multiple numbers, no one answered. Experian assures me that nothing was charged to my account, but XXXX XXXX XXXX XXXX said that they did take out {$27.00}. I will be attaching my statement proving their wrongdoing.
Consumer complaint received 2022-04-22
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 item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 -XXXX  XX/XX/2022 XXXX  XX/XX/2022 -XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have been contacted by XXXX  XXXX  collections multiple times via my cell phone and work cell phone about a debt I have never received any verification or validation. I have asked XXXX  XXXX  collections to stop calling my phone and to communicate by postal mail only as they are violating the Telephone Privacy Act. I am going to file a lawsuit against the company if communication is not ceased immediately. The fine for every call after I cease and desist is $XXXX. I have filed a legal complaint with XXXX  XXXX   XXXX  as well as the FCC and FTC.Today i received a notification that Portfolio Recovery has reported a negative account from XXXX  XXXX  for $XXXX. I have never received a debt verification or validation from the collections or how to dispute. Also, once Portfolio Recovery purchased the account from capital one, they voided any payment agreement in place as XXXX  XXXX has now been paid in full. I do not have a card account with portfolio recovery and they should not be contacting me to collect any debt that i do not owe them.