davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-16
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. (CA)

I have contacted the collection agency XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of {$3200.00} Account Number XXXX ... and the amount of {$310.00} for Account Number # XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has 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 2020-08-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from XXXX XXXX to denal ( health ) to department credit cards ; XXXX. XXXX which is a utility bill that i never had etc. I can go on and on but i will attach the dispute letters that was sent to them back in XXXX.
Consumer complaint received 2019-12-16
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA (NE)

Continuing to attempt to collect on a debt that was discharged in a chapter XXXX bankruptcy 3 years ago. Was an ineligible student at an ineligible school that is not accredited in the United States. This makes the debt dischargeable in bankruptcy. Company has been notified multiple times of this fact and continues to attempt to collect. The company is NOT a nonprofit. These facts in place means the loan is able to be discharged in bankruptcy. They continue to report negative information on my credit report denying my right to a fresh start and causing much distress
Consumer complaint received 2019-12-16
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND NOTICED THAT SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I have sent a total of four letters to the company to ask for verifiable proof ( original Consumer Contract with my signature on it ) however the company has failed to do so. The company has only sent me a bill statement as verified proof. I do not have a account with XXXX XXXX XXXX. My first letter was sent on XX/XX/2021. My second letter was sent on XX/XX/2021. My third letter was sent on XX/XX/2021. This company is reporting inaccurate and incomplete credit information. Please advise.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

When applying for credit I was informed of information on my report from several creditors that are reporting inaccurately. This information is inaccurate because the last date of activity is not correct. I disputed this information with the credit bureaus and the information remained even though it is inaccurate. The last date of activity has been re-aged on several old debts. 
I have listed the debts below in which the re-aging occurred. 

Portfolio Recovery - {$860.00}, last day of activity XX/XX/XXXX Portfolio Recovery - {$480.00}, last day of activity XX/XX/XXXX XXXX XXXX - {$450.00}, last day of activity XX/XX/XXXX XXXX Unknown account XXXX - {$2200.00} last day of activity XX/XX/XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX - {$890.00} - open date listed as XX/XX/XXXX but was opened in XXXX, last day of activity was in XXXX. This was previously a XXXX account. I returned the phone before I went to XXXX XXXX XXXX. 

Portfolio Recovery - Duplicate, original creditor was XXXX, last date of activity was XX/XX/XXXX. 

XXXX  XXXX {$480.00} the account was opened in XXXX. The last date of activity was XX/XX/XXXX. 

XXXX {$280.00} account was opened in XX/XX/XXXX. The last day of activity was XX/XX/XXXX. 

The re-aging of these old debts has caused me harm and has impacted my future in negative ways.
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (GA)

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX | XX/XX/2019
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

As a loyal Capital One customer I wanted to request accounts ending in XXXX be removed from all three credit Bureaus as a good will gesture I want to continue to bank with capital one and establish an loyal partnership but as such these XXXX accounts on my credit report are negatively hurting me and I need these to please be removed
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Health Investment Company, LLC. (IN)

I was invoiced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$70.00} on XX/XX/XXXX for an outpatient visit that occurred on XX/XX/XXXX. I paid the invoice via XXXX XXXX  XXXX on XX/XX/XXXX, which was before the due date of XX/XX/XXXX. The correct amount was pulled from my XXXX and paid to XXXX XXXX group at that time, however I was invoiced three additional times for the same amount for the same statement number. I verified with XXXX that the bill was paid and funds withdrawn, and I verified over the phone with XXXX XXXX XXXX that they had received payment, but they sent the alleged debt to a debt collector on XX/XX/XXXX anyways.
Consumer complaint received 2019-12-16
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. (CA)

I have contacted the collection agency XXXX XXXX directly, as well as, Experian, XXXX, and XXXX  since XX/XX/2019 disputing the error that is being reported in the amount of {$3200.00} Account Number XXXX ... and the amount of {$310.00} for Account Number # XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has 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 2021-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (WI)

In XX/XX/2021, I had become a victim of Identity Theft. I learned that 4 accounts ( 2 savings and 2 checking accounts ) had been opened in my name via XXXX XXXX. Working with the FTC and XXXX XXXX, those accounts were deemed to be fraudulent and have since been closed. 

in XX/XX/2021, I have learned that 2 account ( 1 checking and 1 savings ) had been opened in my name via The Huntington National Bank in Ohio. I called and spoke to a customer rep and they stated someone would be calling me to speak with me within 24-48 hours. I did not hear from anyone so I called again. The gentlemen I spoke to stated that the accounts were in the process of being closed. The following day, I received a letter that shows the accounts are still open.

I do have a credit freeze and fraud alert on my credit to help this from happening again, XX/XX/2021 I send 2 letters for each account with my statement via the FTC asking those accounts be closed as they are fraudulent. 

XX/XX/2021, I still have yet to hear from anyone from Huntington Bank.
Consumer complaint received 2021-08-01
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. (AL)

9 collection accounts were added work of XXXX, doing my credit score, which was already inaccurate, then ( 8 ) were removed in XXXX of XXXX, score never change back up, the, ( 9th ) was removed XXXX this year and it dropped ( 5 ) more points, some have changed the balance and the last payment dates ( XXXX  XXXX XXXX XXXX ), XXXX  closed my secured card of {$800.00}, {$200.00} had been spent of it in XX/XX/XXXX, I was it phone with fraud department, as it was being breached while they were working on it, at that point I asked for a freeze on the card, next thing I know it was in collections for {$480.00}, I had my own {$800.00}, they won't take it out of collections and return my money, no reason given, bunch of run around. XXXX XXXX XXXX has had a lot of funny business going on with my account and credit cards, extra high balances and payments for the card limit to be only {$600.00}, I asked in branch and can get no staying where even after didn't them on my credit report through XXXX, broke down details. XXXX XXXX XXXX, had me in collections for {$650.00}, I disputes it knowing I owed nothing, they removed {$600.00}, but let {$58.00} in, no reason given. XXXX  REPORT ARE INACCURATE, Phone numbers keep getting changed on personal data, making it hard to be identified with XXXX  XXXX  XXXX XXXX, but showing a lot of negative on report along with inaccurate data. XXXX has a medical bill that shouldn't be there. XXXX  with WOW, XXXX, I have had these services, don't owe anything, not showing on XXXX, but it is on the other 2, Please help, thanks.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2022-01-02
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. (IL)

Seeing a fraudulent and inaccurate inquiry on my Experian personal credit report made me have painful headaches. I then submitted a CFPB compliant ( XXXX ) ( Exhibit A ) on XX/XX/XXXX about a fraudulent and inaccurate inquiry on my Experian personal credit report. On XX/XX/XXXX, Experian responded ( Exhibit B & C ) to me stating that they will be removing/deleting the fourth inquiry on my identity report ( Exhibit A ( 1 ) ) which is XXXX - XX/XX/XXXX. The removal/deletion of that fraudulent, inaccurate, and unauthorized inquiry is their admittance to violating me pursuant to the Fair Credit Reporting Agency . I am owed {$1000.00} for that violation and I want Experian to send me what I owed by XX/XX/XXXX.
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

FCRA Violations ; Not mine, Names and addresses : 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 XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Not mine ; Hard inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

On XX/XX/2021 I sent a letter to Experian and XXXX  requesting for further review as to why the US DEPT OF ED still reporting payment history on a " Charged off Account '' the section that shows late payments and CO should in fact be removed per the FCRA and FTC.
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Blackhawk Network Holdings Inc. (NY)

I lost my wallet back in XXXX which I lost all my cards. I lost XXXX on this card. I put in a dispute and this bank is not trying to give me my money back. I have been one the phone with them multiple times.
Consumer complaint received 2021-08-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I got " hired '' on XXXX, to be a XXXX XXXX for a contracting company named " XXXX XXXX XXXX. '' After researching the company, I found their website and their XXXX. Their XXXX had a few reviews both good and bad about their work on it so I didn't think anything of it. During the job, they said that I needed work equipment like a laptop and etc so that I can complete work for the job and that this will be covered by the company. They sent me checks made out from " XXXX XXXX XXXX '' to cash and specifically asked for USAA so that I could cash them to ship my equipment to me, saying that mailing them would take longer which would delay the start day of my job. One of the checks was for {$4500.00} and another check for {$8500.00} was sent. The check for {$8500.00} was sent because they told me that they had two new hires and wanted to know if I could order their equipment seeing as though I " knew the process ''. After, I realized that this was a scam so I told USAA fraud department. They said that I was involved and that I knowingly did this and stated that I had to pay the total of {$13000.00} back to the bank. I have images, documentation, and a police report clearly detailing that I had no idea what was happening and that I am a victim of fraud. The Banks " investigation '' is still going on, and they have contacted XXXX XXXX  's fraud department, but has received no response. I am only 19 years of age, they don't teach this in school and I have yet to even see that amount of money in real life. I didn't even go to college just because I couldn't afford it and didn't want to be in debt. To think that I would have to pay for the wrong doings of someone I have never even seen before is unthinkable. Since the checks over-withdrew the account, they were transferred to the credit card. I have already payed {$2000.00} off so that the card does not gain interest. Since this incident, I have educated myself about scams and the many ways people attempt to scam, I REFUSE to have this happen to me again. I honestly just want my future back. Ultimately, my complaint is for " USAA '' and " XXXX XXXX  ''
Consumer complaint received 2021-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (TN)

I received mail from AMCOL SYSTEMS saying I owed a alleged debt. AMCOL SYSTEMS listed XXXX XXXX XXXX as the original creditor. AMCOL SYSTEMS is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 2 ) stated that the consumer owes any debt. AMCOL SYSTEMS is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 5 ) any language or symbol on any envelope or communication indicating debt collection business. XXXX XXXX XXXX XXXX is in VIOLATION Pursuant to Title 15 u.s.c 1681a ( 3 ) Restrictions Of Sharing Medical Information & VIOLATION Pursuant to Title 15 u.s.c 1692c ( b ) Prohibits Communication with anyone except consumer, consumers attorney, or credit bureau concerning the debt
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NJ)

i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX XXXX, $ XXXX, 2. XXXX XXXX XXXX XXXX, $ XXXX, 3. XXXX XXXX $ XXXX. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money.

I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection.

Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX  , XXXX  , and Experian collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things.

For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.

1. The reason is it has to be removed from XXXX, XXXX  and Experian that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.

2. XXXX, XXXX  and Experian must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )
Consumer complaint received 2021-08-01
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. (FL)

Dear CFPB, Recently I have started to rebuild my financial health and in the process I have started to pay creditors for bills that I have incurred on charged off or collection accounts. 

The account in question is with XXXX XXXX, Experian and XXXX. 

In XXXX of 2021 I noticed that I had a collection on my account for XXXX XXXX. The amount listed on my credit report both Experian and XXXX was the same amount {$380.00}. That was the reported amount since the account went into collections. I went back to my emails and found the last billing statement from XXXX and that was the amount I owed, I clicked on the pay bill link and promptly paid my bill. Come to find out they are reporting it as a settlement, that I paid less than my account was which is false. I paid the full amount on the bill. I sent Experian a copy of all the emails I could find from the account inception and not one of the bills shows any amount over what I paid. I tried to resubmit to XXXX  but the system wouldn't take it. Again the amount I paid was more than what was reported on my file from Experian. I had hurricane outages, refunds, fees, down service. At this point no one has given me anything referencing how anymore money is owed. I question the entire file. 

Experian and XXXX  refuses to correct this information and continues to report that I settled this claim when I haven't. I have never discussed a settlement with anyone, nor did I realize that me paying this bill was for less than I owe. 

Based on reported data I paid the entire balance and this false reporting is harming me enough to the point I am writing you. 

Please help me address this issue as this is extremely frustrating and inaccurate to the fullest. 

Thank you,