davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MI)

Credence Resource Management LLC Corporation Service Company XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : The Office of Registered Agent for Credence Resource Management LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I am not able to lift my Equifax security freeze. I can not log into my online account. Whenever I try, I receive a message saying that I have to call Equifax. I have tried resetting my password with the same result. 

It is not possible to call Equifax. I have tried many, many times. After answering all the personal identity questions, I am required to answer four questions about items on my credit report. The questions sometimes span over a decade. I am not sure of all of the answers. Does anyone know for sure what store they bought something from eight years ago? I can not look up the answers because it is impossible for me to get my credit report from Equifax. 

Six months ago I finally wrote to Equifax. They requested me to mail them photocopies of certain IDs and I did so. As a result they lifted my credit freeze for three weeks. This was useless to me as I did not need it lifted for that period. They did not fix my log-in problem. The phone number they gave me to call if I had any questions resulted in the same problem I described above. So writing to them was also useless. 

I can not log into my Equifax account. I can not contact Equifax by phone. When I contacted them by letter, they did not fix the problem. PLEASE HELP ME!
Consumer complaint received 2020-06-09
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. (MS)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2019-12-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Collections Enterprise, Inc. (DC)

University XXXX XXXX XXXXXXXX XXXX sent me a bill for {$360.00}. I paid {$150.00} on that account and because I was in XXXX for XXXX and not making the payments fast enough, they sent the account to a collection company called ACEI.  Unfortunately, they lied and told ACEI that I owed almost {$390.00}. They also failed to report to ACEI that I had paid them {$150.00}. ACEI began trying to collect the erroneous amount of {$390.00}. I disputed the amount and also asked that I be credited for the {$150.00}. I paid the remaining balance on XX/XX/19 -- which satisfied the original debt of {$360.00}. 
ACEI continued to harass me and tried to collect because University XXXX XXXX   REFUSED to tell the company that I had already paid {$150.00} Before they even sent it to collection. I have PROOF of the initial bill plus every single payment I made to University XXXX XXXX AND ACEI ( see attached document ). The payments of {$100.00}, {$50.00}, {$210.00}, and {$10.00} are highlighted. Simple math will reveal that they satisfy the {$360.00} bill. 
Once UNiversity XXXX XXXX  XXXX XXXX sent false information to ACEI ( they never told them I had paid {$150.00} of it ), ACEI then broke every consumer law,  including the FCRA, by posting derogatory information to my credit report on XX/XX/19.  Although I only had ONE account with University XXXX XXXX  XXXX XXXX ( account XXXX ), ACEI falsely indicated that I had 4 accounts. That act allowed them to hit my report with 4 different collection accounts. I don't owe ACEI or UNiversity XXXX XXXX XXXX XXXX ONE penny. The {$360.00} was PAID IN FULL by XX/XX/19. I blame UNiversity XXXX XXXX XXXX XXXX  JUST as much as I blame this predatory company, ACEI
Consumer complaint received 2023-06-28
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. (MD)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

I booked 5 flights through XXXX online Travel for myself and family. The airline is XXXX. The flight was booked XX/XX/XXXX. The flight was scheduled for XX/XX/XXXX. The flight was paid in full using my USAA credit Card. The flight was cancelled and the company XXXX  and XXXX are refusing to refund my monies, so I have turned to my credit card company USAA and they informed me that since I did not file the dispute 60 days following the close of that billing cycle that they could not help me. The issue is that I had no idea that XXXX was going to cancel the flight 9 months later and refuse me of my refund. I did not have a magic ball to see into to the future, so there is no way to file a dispute with the credit cards 60 day window when the flight was not cancelled until over 9 months later. Please assist a XXXX XXXX  XXXX XXXX XXXX Vet for monies I much need!! thank You
Consumer complaint received 2023-06-28
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-12-30
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

I requested 3 times to have a bankruptcy removed from my account because of failure to provide me with the method of verification for this account, I was told by each credit bureau that it was verified through my courts and I would need to contact them upon contacting my court I received a letter from them stating they do not verify bankruptcy to 3rd parties. I then sent this letter to each bureau they responded by again sending me letters stating it was verified as correct. Upon asking them to provide me with the method of verification I again received a letter stating the same thing.
Consumer complaint received 2020-06-09
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vinci Law Office, LLC (WY)

I have been paying on this account since XXXX. It began with moving out of an apartment before the lease was over. I tried everything I could to have an agreement with them. And finally I could not pay rent anymore, so I cleaned the apartment and left before I was living there past what I had paid. Without hearing from them for a year, they turned me into a debt collecting agency. I began getting mail from an office called XXXX XXXX, and after that they sent me to Vinci Law Office in XXXX, CO. They have not been helpful to me, and I have paid WAY more than what is accounted for on my account. I started at around XXXX. Made my first payment on XX/XX/XXXX. I pay {$250.00} a month. I have in total paid {$2700.00}. However, my balance is still at {$5100.00}. There is almost XXXX not accounted for. They never tell me my balance online, they call me and demand money I have already paid, and much more. They have done nothing but make this worse!!!
Consumer complaint received 2019-12-30
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I requested 3 times to have a bankruptcy removed from my account because of failure to provide me with the method of verification for this account, I was told by each credit bureau that it was verified through my courts and I would need to contact them upon contacting my court I received a letter from them stating they do not verify bankruptcy to 3rd parties. I then sent this letter to each bureau they responded by again sending me letters stating it was verified as correct. Upon asking them to provide me with the method of verification I again received a letter stating the same thing.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

I have been unable to get my free Equifax free credit report. I tried online and was rejected because I got one of the answers incorrect. I called them and told them about this issue. I got a supervisor and they indicated that they would send out a credit report to me by mail. They also told me that I could get on to myequifax.com and view my credit report. Every time I try to get on it tells me to try back later. I have called them about 10 times and they say they will fix the error. I have received several messages saying it is fixed and I can log on. I still get the same error. Every time I want to talk to them about this it takes about 20 minutes. I have gotten 3 messages sent to my email account and several agents have also sent reset commands. They have not been able to fix this issue and I am tired of calling them to hear there excuse. To my knowledge I have never been able to log on. When I do, I need to get a new password. When I do this it is not accepted and I am told the process is temp unavailable.
Consumer complaint received 2019-12-30
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. (IL)

Hello, About a week ago I found out that my Experian account had been combined with someone else 's because I was rejected for a refinance loan. Experian has attempted to correct my information but not accurately. When asked, they couldn't give me a straight answer as to how this could have even happened. I've had to spend over 4 hours of my time dealing with this and it's still not corrected. Experian doesn't offer call backs from their reps so I have to sit and wait for sometimes 20+ minutes to only be hung up on because their wait times are so long. As a result I've been denied a refinance loan when I should have been approved, and wasted hours of my time on this. 

This is ridiculous that we aren't able to opt out or receive recompense when credit reporting agencies are responsible for making sure our information is 100 % accurate. How this could even happen I don't understand since the person who's information I was combined with doesn't even have the same first or last name as I do. Credit reporting agencies need to be held responsible for these mistakes and people who are affected shouldn't have to be inconvenienced for something we don't even want and are unable to opt out from. 

Thank you, XXXX
Consumer complaint received 2023-01-23
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. (FL)

In XX/XX/XXXX citing the XXXX XXXX XXXX XXXX XXXX from credit companies we agreed with a XXXX  XXXX  to cancel a card that had not been used in over 6 years. We continued with XXXX card we have used continuously since XXXX. We had also paid off our mortgage. During the rash of data base hackings including the credit reporting agencies and banks, we froze our account accesses with Experian, XXXX and XXXX. Thanks to XXXX XXXX has saved us tremendous grief. Experian immediately sent emails that we could boost our XXXX XXXX for {$29.00} in continuing payments. To reinforce the attempt at extortion, they lowered our XXXX XXXX to XXXX in XXXX of XXXX, citing a lack of credit information. This came from a company that had tracked our credit for XXXX years. When I complained, they simply said they had no information available. We complained to our bank and found that they used the false score on our rating for eligibility for other services. We contacted our insurance company. After a financial review, they agreed to charge rates commensurate with our good credit history. Based on our rejection of emails, texts and a phone call, Experian then lowered our score to XXXX. But they promise to restore our XXXX XXXX with the release of the credit card info from the XXXX XXXX we have used since XXXX and the monthly premium they need! XXXX XXXX
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (AP)

XXXX used to provide Credit Monitoring through Experian. These services are no longer available and XXXX has said that Experian has resumed providing the services. I am not able to access Experian 's website. Using their password reset link does not send the e-mail as stated to the e-mail address they have on file. I have been unable to reach an actual human being at Experian when attempting XXXX, XXXX, XXXX, and XXXX. Each attempt is costing me several dollars as I am calling international from my overseas assignment in XXXX, XXXX. Experian continues to charge my XXXX account for {$12.00} monthly and is not providing the services paid for.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA permanet credit was Never Applied This letter is in answer to Why are there Thousdands Dollars of Chargebacks IF NO UNAUTHORIZED CHARGES OCCURRED WHEN I REPORTED XX/XX/XXXX? XX/XX/XXXX 1st time USAA finally admit unauthorized DID OCCUR .They HAD TO IN ORDER TO MAKE CHARGEBACKS LEGAL THIS {$470.00} did Not Credit to My Account XXXX or XXXX
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX  in the amount of {$650.00} dated XX/XX/2017. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Consumer complaint received 2019-12-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

COMPLETE FRAUD AND DECEPTION. I NEVER MADE A PAYMENT OF {$50.00} XX/XX/2019 THAT IS A XXXX  LIE. WHO IS XXXX? THAT IS NOT EVEN A PERSON THEY TOOK LONGER THAN 30 DAYS PERIOD.
Consumer complaint received 2019-12-30
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)

XXXX XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX  in the amount of {$650.00} dated XX/XX/2017. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Consumer complaint received 2022-11-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have a Home Equity Line of Credit managed by XXXX XXXX XXXX. In XXXX, I noticed my monthly payment scheduled for XX/XX/XXXX was not automatically withdrawn. I have a 15 days grace period and my payment was due on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX. I talked to a representative who took my payment online. Unfortunately, I later learned that this representative incorrectly applied my payment to the principal instead of taking it for my monthly payment which made my account delinquent. In XXXX, I called XXXX XXXX XXXX and was told the mistake was on their end and they would fix it and let the credit reports now that my account was not late. In XXXX, this was still not done and I was told the same thing again. I called today and apparently this is still not fixed. My account on XXXX still shows a late payment of 30 days. This is impacting my credit score and the company has taken more than 60 days since I first notified them of the issue. Every representative I talked to has always told me XXXX was at fault and that would be fixed but nothing happens.
Consumer complaint received 2019-12-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

COMPLETE FRAUD AND DECEPTION. I NEVER MADE A PAYMENT OF {$50.00} XX/XX/2019 THAT IS A XXXX LIE. WHO IS XXXX? THAT IS NOT EVEN A PERSON THEY TOOK LONGER THAN 30 DAYS PERIOD.
Consumer complaint received 2020-06-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I recently received a response to a dispute regarding a reinserted judgment, that I made under FCRA 611 ( a ) ( 1 ) regarding an erroneous item on my credit report involving a Chapter XXXX Bankruptcy. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. In a letter provided to me by your company it states the information has been verified by the company your obtained the information from. That company XXXX XXXX has sent me a letter ( XXXX ) stating this item has now been removed. If they have done their due diligence in correcting this erroneous record how is it you all are stating it is verified?