davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-19
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Medical Data Systems, Inc. (FL)

Medical Revenue Services has repeatedly harassed me by persisting in calling me both at work and on my mobile after I have told them at least three times that I wish only to be contacted by mail, never by telephone, and they should never call my place of employment. They called me again today, XX/XX/XXXX on my mobile. They called me yesterday at my place of employment, XX/XX/XXXX. I have witnesses ( other employees that answer phone at work ), that they have called repeatedly after being told not to contact me on the telephone. They call my place of employment at least twice a week, and my mobile more often than that. I continue to attempt to block them, but they just call from a different number and continue their harassment. I have asked at least three times to only be contacted in writing at my home address which I have verified with them.
Consumer complaint received 2022-11-07
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. (CA)

I purchased a XXXXXXXX XXXX and paid for the part up front and put the rest on the balance on a new XXXX XXXXXXXX XXXX XXXX XXXX. Unfortunately, I had to return the XXXX XXXX about a XXXX later. I had paid XXXXXXXX XXXX payment on my XXXX XXXX but after I returned the item I was told the card would be refunded the full balance and I would get a check back for my XXXXXXXX XXXX payment which was considered an over payment. It took XXXX XXXX XXXX to credit my XXXXXXXX XXXX XXXX account and I never got my refund check for the over payment.
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to you in accordance with the Fair Credit Reporting Act to request an immediate investigation and correction of an account listed on my credit file, which I believe to be inaccurate and incomplete. 

The account in question appears to contain information that does not accurately reflect my credit history. As such, I request that you thoroughly investigate this account and take appropriate action to correct any inaccuracies. 

Furthermore, I would like to request verification of the aforementioned account. If you are unable to provide verifiable evidence supporting the accuracy of the information contained within it, I kindly ask that you correct the account without delay. Kindly assisst me to correct this account : XXXX XXXX XXXX XXXX Balance : {$4100.00}.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Hi- I submitted a form for loan forgiveness for XXXX over a month ago to Mohela in early XXXX. There's a box to check to request for forbearance while they verify if you qualify or not for forgiveness. I checked this box. 

I understand that it can take 90 days to see if you qualify for forgiveness, but my issue is the fact that they haven't NOT put my loan in forbearance in the meantime, even though it was requested. We've tried calling, but with waits times over an hour, its impossible to get a hold of anyone to ask questions. 

Others have had similar issues and said that they've reached out to the CFPB for help and that it would be a good idea for me too as well. 

Thank you
Consumer complaint received 2023-10-18
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. (TX)

I recently disputed two accounts and requested verification of inaccurate accounts reporting on my credit report that your bureau maintains XX/XX/23 dispute was filled. I received a response stating that the accounts was verified and updated. 
I am formally requesting a description of the procedures your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). 
To be clear, per FCRA 611 ( a ) ( 2 ) ( b ) your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. 
I am requesting you provide me ALL information used for my investigation, as required by FCRA 611 ( a ) ( 7 ) XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Per the FCRA you are required to provide this information within 15 days or delete these negative items from my credit report. 
Best regards, XXXX XXXX
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXXXXXX XXXX had a account with me in XXXX XXXX. Account was closed in XXXX XXXX. They stated a balance was still owed and that was payed on XX/XX/XXXX after the account was closed. XXXX did not honer payment and instead reported credit at 108 % above limit to prevent consumer from using any more credit in future. They continue to do so in XXXX. Trans Union and XXXX ignored file discrepancy to support bank
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GFS II, LLC (DC)

My consumer report for XXXX  is reporting Fraudulently on the account for XXXX! The account is charge off and closed and not a installment. This account is paid in full gateway financial number : XXXX refused to remove this from my consumer report. 

Also how is my XXXX SCORE low and every other Agency is reporting accurate! 

I did not receive any updates on XXXX REPORTING after removal of delinquency is on my account under the FDCPA AND FCRA FINDING
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

I ordered a pair of vase at XXXX for a party at my house but I it took them longer to deliver so I bought something somewhere else so contacted XXXX  and cancelled the order I spoke with a guy name XXXX. After a few months I got a call from commenity bank collecting money for the vase that I canceled and did not receive. They want me to pay the charges while they investigate so at the end I never had any charge They want me to pay the service charge and penalty for an item that I canceled and did not receive.
Consumer complaint received 2023-07-28
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. (PA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-12-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Local Management, LLC (GA)

I was notified by credit monitoring that Local Finance company of Georgia has made ( 2 ) hard pulls ( inquiries ) on my credit report without my permission in the past 30 days. From my understanding, this is unlawful and I will like for this to be brought to your attention because I did not consent to this action.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CT)

Debt collector has tarnished credit score with allegations of debt that I have not acquired. I have never opened an account with eversource or used there service personally. Radious Global has never been given my consent to have my information or permission to collect debt from me. And as a result of this misuse of information has effectively undervalued my credit score.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern over the past year i have reached out to XXXX XXXX XXXX account # XXXX in regards to furnishing inaccurate information on my consumer report. I also have sent them certified mail on mulitple occasions supporting my claim that this was not in fact my account i was recently released from the XXXX XXXX XXXX  XXXX XXXX 2021 and have submitted all the necessary documents to support that claim to prove i did not or have any knowlegement of this open account being i was XXXX  at the time of this being open. I submitted documentation that shows XXXX XXXX XXXX to be in violation of according to the Consumer Law & The Fair Credit Reporting Act, 15 U.S.C. 1681. All I ask is for this company acknowledge the violation and correct it before additional steps are taken. They have recently furnished information attaching an employee name on my consumer report which is in violation as well I am demanding this company remove this account asap.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (GA)

The company claimed I owed a debt I have no recollection of and have failed on all levels to provide any verification of debt and legal permission of any to collect debt in the state as well as provide a contractual agreement between myself and XXXX for good/services.
Consumer complaint received 2022-11-08
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. (NM)

First of all, I want to say thank you for approving my COVID forbearance during the pandemic as it was a time of a lot of uncertainty and overall a very difficult time for me financially. 

I am writing to request your help as I recently learned I have several rolling 30 day lates on my mortgage which started back in XX/XX/XXXX then ended when my forbearance was approved in XX/XX/XXXX. 

I recently called and spoke to a representative named XXXX who helped me understand that I missed my XX/XX/XXXX payment then all of my future payments were posted for the previous month. This is unfortunate as I had no understanding of the missed payment issue and would have doubled up to get it addressed right away. 

I strongly feel most of the rolling 30 day lates are inaccurate because when I made my payments on your portal each month I was making them within the 30 day window yet I was still getting reported as 30 days late most months. It is my understanding that as long as I made the payments within the 30-day time period I wouldn't have been a full 31+ days past due which is what is required to report me as 30 days late.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (GA)

On XX/XX/XXXX I tried to make an ATM withdrawal from XXXX on XXXX XXXX and was told I have insufficient funds the amount was for XXXX along with the {$2.00} that Payfare charges this all came off the card. It is XX/XX/XXXX and I have only been given the runarounds and going back and forth with this company about my money. I have filed a complaint only for it to be closed out. Payfare says i withdrew money from an atm XXXX XXXX XXXX which is incorrect. This company has failed to provide original documentation of ATM statements including statements from the alleged ATM they say I withdrawed from. This company has given me run around since the XXXX of XXXX, after 30 days of me complaining to them I had employee at XXXX direct/Payfare tell me that the refund is being processed and it would take up to 60 days but give it 30 days and this is all on recorded phone call. I called to follow up on the refund status because I was told from an employee that it would be ready in 30 to 60 days. I suggest look into voice calls as well with this company I have called over 15 times to resolve this matter and been hung up, employees will not let me talk they talk over me right before they hang up so it's just been all downhill for this company. I have done everything I was supposed to do from the start on XXXX the XXXX and have got nothing in return. However the company return an altered email that was not from the official bank statement or ATM statement of the ATM. They sent me a chart that looks like it had been typed in and highlighted which is not the official paperwork for transactions on ATM statements.
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-18
Product: Credit reporting 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. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2023 I received a credit inquiry from my Experian credit report. The inquiry was from XXXXXXXX XXXX which I have never applied for before. Apparently, who ever stole my identity used a different address based off XXXX XXXX. I have never lived in XXXX XXXX, I am from XXXX Florida. I have contacted the credit Bureau and they have disputed the inquiry, address and phone number from my credit report. They have also placed a credit alert on my account, which will notify me of any new inquiries.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i have tried challenging the 100 % accurate reporting of information being reported by transunionXXXX XXXX and XXXX for an account that reads that the creditor is XXXX XXXX various times ... ..each time they send letters saying that they are reporting accurate information... how is that so i am looking at my credit report as we speak and can see the inaccuracies... all 3 credit bureaus are violating my consumer rights so i am reaching out to you the cfpb for help .... 

this account is reporting 3 different dates of last payment transunion and XXXX  are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX but if you look at XXXX 2 year history they are reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active transunion is reporting XX/XX/XXXX XXXX  is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX this company is reporting this as a charged off account but never send me a copy of a 1099c as required by law...
Consumer complaint received 2023-07-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates (WI)

XXXX LJ Ross Associates XXXX XXXX XXXXXX/XX/XXXX {$1100.00} {$240.00} {$35.00} {$100.00} XXXX XXXXThis balance needs to be removed from my credit report. My insurance covered it. 


XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$680.00} {$600.00} XXXX XXXX This balance needs to be removed from my credit report. My insurance covered it. 


XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX This balance is inaccurate and it needs to be removed. 
{$660.00}. 



They called every other day with threatening phone calls. In accordance with the Fair Credit Reporting Act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.