davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-17
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. (VA)

On 6 of my student loan accounts the bureaus are reporting inaccurate information .The credit bureauIs are reporting that I was 90 days late in XXXX of 2019 ( TransUnion and experience ) and XX/XX/2019 equidad. however at no point did they report I was 30 days late or 60 days late the months prior. I have wrote them several letters and they refuse to fix the issue. I am asking for this to be deleted immediately
Consumer complaint received 2020-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (NC)

XXXX Account, no contract, paid auto-pay each month with XXXX XXXX, when son graduated, we canceled the account on XX/XX/XXXX and turned in the equipment as directed by XXXX and were given a XXXX Return Receipt XX/XX/XXXX # XXXX XXXX TV Equipment 2 pieces XXXX. Again, no contract, account closed and equipment turned in with receipt on XXXX. 

On XXXX AFNI, Inc. reported to my credit reports that I owed {$430.00} past due to XXXX and it was now in collections. Creditor # XXXX and AFNI Account # XXXX. I immediately disputed and provided proof of account termination and equipment return with receipt, AFNI removed the collection action from my credit report. 

XX/XX/XXXX, XXXX XXXX  now reports the same amount {$430.00} on my credit report as being owed to XXXX and they are now initiating a new collection action, seemingly starting the entire process over again, just using a different Credit Collection Company, XXXX  now AFNI before. I've disputed with XXXX  and they have not provided detailed billing and debt information as requested, and AFNI did not either. Both have simply said they have " certified '' that the debt is owed and only provide a summary of current balance owed, no detailed debt with dates of what the debt is and was, and I continue to maintain the account was paid in full, current at the time of cancellation and equipment turn in. It is my belief, all alleged debt is for date after XXXX when the account was cancelled and equipment turned in, wrongfully charged for which I've disputed and have not been provided any proof of debt with dates and description. 

This looks and feels predatory and/or fraudulent in practice. 

With that said, my son was attending the University XXXX XXXX XXXX, renting a house, and I paid for the XXXX account via auto-pay each month, no contract, just month to month for nearly 2 years. When he graduated, we terminated the account and returned the equipment, with proof of receipt at the time. Months later, AFNI dinged my credit report with a past due collections, apparently on behalf of XXXX. I immediately disputed and provided proof of closing the account and returning the equipment, that was the last I heard of it, and the derogatory hit on my credit report by AFNI was removed. Months later, I get a notice that XXXX XXXX is now saying it has a past due account and in collections for XXXX, its like the process started all over again but with a different collection company, related or affiliated to AFNI I have no idea, but it seems " fishy, '' and predatory to me in my experience. 

I want to contest and do whatever is necessary, within reason, to help stop this kind of predatory behavior on consumers. 

I've attached a copy of my credit report, XXXX XXXX and a copy of my prior dispute with AFNI. 

Is this a matter for which you represent, albeit small, and what would you charge to dispute and take whatever other appropriate action necessary?
Consumer complaint received 2021-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

I recently checked my credit and discovered that this account had been reported. I did not receive notification that I even owed this debt. My rights were violated and I was not information according to statue 15 USC 1692g 809 ( b ) which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I would like to attach letter I have written to XXXX  on XX/XX/XXXX in regarding in the letter written to them. 

Also in trying to communicate with any of the big three : XXXX, Trans-Union and XXXX  are very difficult to get in contact with be it by phone ( they don't answer the phone as a rule ), or by mail, as they don't like to reply even if you send them certified mail. 

They could really care less about the general public, and have been given the green light to slander and defame anyone they chose with NO accountability to anyone. 

If you do go through what ever to try to correct or to update your file as they have it, they will insist you spend hundreds of dollars again and again to join whatever service they might have, to correct what they have published that is incorrect. 

LIKE IT WAS MY FAULT THAT THEY ARE PUBLISHING INCORRECT ITEMS.
Consumer complaint received 2020-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

In view of the ongoing novel coronavirus pandemic, I requested Sun Trust Bank 's representative, through online Banking mode, to close my Money Market Bank account ending with XXXX and transfer the proceeds to my checking Bank account # XXXX XXXX XXXX. 

I made that request on XX/XX/2020 to maintain a higher balance in my checking account so that I could access funds for meeting my expenses including potential health related expenses due to ongoing pandemic. 

The Sun Trust Bank representative asked me to confirm my mailing address. I did so.

Thereafter, I was shocked to receive a letter from Sun Trust Bank that they are closing all my accounts including Checking account.

The Bank did this as an unfair Trade Practice to discourage customers like me from taking recourse to close their Money Market market in times of emergency. 

Without a checking account I will not be able to use Banking channels to access funds or receive payments since I am an XXXX  XXXX. You are requested to advise Sun Trust Bank not to deny Banking facilities to existing customers while our country is going through a catastrophic economic and health challenge. I have always maintained average minimum monthly balance and never failed to pay any credit card bill. I have been a good customer.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-10-17
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. (FL)

Trans union has consistently lowered my score in large increments. I called to find out why, and all they would tell me is all the reasons they might lower scores, but not why they lowered mine.
Consumer complaint received 2021-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARC Management Group, LLC (LA)

Arc management group has reported a paid account to credit reporting companies. I paid the original creditor in XX/XX/2020 and this company has been repeatedly trying to collect per reporting and validating said account to credit reporting agencies. I have sent copies of both insurance reciepts and my personal reciept for my portion for the services rendered, yet this company still is reporting and verifying to all credit bureaus. Please have them cease all collections and remove from all credit reports. I will be adding the reciepts below if allowed also.
Consumer complaint received 2020-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX started sending us a bill for a phone that was under my husbands name or part of his name ... .they didn't even have the name correct but we don't even use XXXX nor have had ever had them as a phone provider. I called them many times and went to a local store and they referred me to a number to dispute. I followed their directions by sending a letter to XXXX. Some time passed and a XXXX showed up at our house. A phone we did not order. WE immediately went to the local store and they told us to send it back and gave me a direct address to send it back too. We didn't open the box. 
We then proceeded to get bills again for the phone and phone calls. They would only call at times my husband wasn't home and wouldn't listen to me that this was not our phone, our bill or our account. 
They finally quit calling and sending bills. Almost a year or more has passed? I can't remember dates because I thought this problem was taken care of. BUT when we were checking on my husbands credit score we were told that his score was low due to a XXXX bill that went to credit reporting. ( If I call XXXX number now that the local store gives out ... they ask for my husbands soc. security number and I am NOT giving that over the phone. So I can't speak to anyone to dispute at XXXX. ) Please dispute this problem for us and inform all that XXXX customer services is terrible and fraud. 
Thanks for your help.
Consumer complaint received 2022-12-28
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: Resurgent Capital Services L.P. (NM)

I have been trying to get the info corrected on my credit report since XX/XX/2022. 
I paid a judgement off in full to XXXX XXXX clerk of the court in XXXX XXXX in amount of {$10000.00} It is public record that the judgment was released. There is even a release of judgment sent to LVNV from clerk of XXXX court releasing the judgement. There is a copy of the certified letter that XXXX XXXX at LVNV funding signed for the check and release and check was cashed per XXXX XXXX clerk of court. However my acct still shows as open and the balance owed has increased. 
I contacted all 3 credit bureaus as well as LVNV funding and I can not get this corrected. 
XXXX deleted the LVNV acct after reviewing the documents. However the other 2 XXXX and XXXX just keep telling me they contacted LVNV and they say info is correct. It is NOT. This has affected my ability to take on any credit, car, credit cards etc For 8 months i have been trying to get this resolved. LVNV transferred my calls and then hung up on me twice!! All the info is public record on XXXX XXXX XXXX it takes 2 seconds to look up on their website but, LVNV will not correct this issue, nor will XXXX or XXXX.
Consumer complaint received 2021-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Collections agency was well aware it was paid, was told by me, the local doctors office, and the main branch of the hospital, but still reported it on my credit and costed me two loans that were gon na save my house.
Consumer complaint received 2020-04-10
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: Experian Information Solutions Inc. (FL)

I recently applied for a homeland and my realtor pointed out some discrepancies. There was several accounts which are new to me and they seem to be reporting negatively. I have never seen these before nor ever used these companies. I think someone has been using my information behind my back. I believe this to be identity theft and would like to get this issue resolved immediately. This is hindering me from buying my family a home.
Consumer complaint received 2020-03-30
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. (NY)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX  XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX
Consumer complaint received 2022-12-28
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. (NM)

I have been trying to get the info corrected on my credit report since XX/XX/2022. 
I paid a judgement off in full to XXXX XXXX clerk of the court in XXXX XXXX in amount of {$10000.00} It is public record that the judgment was released. There is even a release of judgment sent to XXXX  from clerk of XXXX court releasing the judgement. There is a copy of the certified letter that XXXX XXXX at XXXX XXXX signed for the check and release and check was cashed per XXXX XXXX clerk of court. However my acct still shows as open and the balance owed has increased. 
I contacted all 3 credit bureaus as well as XXXX XXXX  and I can not get this corrected. 
XXXX deleted the XXXX acct after reviewing the documents. However the other 2 XXXX and Transunion just keep telling me they contacted XXXX and they say info is correct. It is NOT. This has affected my ability to take on any credit, car, credit cards etc For 8 months i have been trying to get this resolved. XXXX transferred my calls and then hung up on me twice!! All the info is public record on XXXX XXXX XXXX it takes XXXX seconds to look up on their website but, XXXX will not correct this issue, nor will XXXX or transunion.
Consumer complaint received 2021-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (MO)

On Thursday, XX/XX/2021 I had an issue where I could not access my checking account transactions online or through the mobile app. I was able to log in and reveiew transactions for all of my connected accounts except for my account ending in XXXX. On Friday, XX/XX/XXXX, I sent a message throught the mobile app inquiring about what I was experiencing. I explained that I wasn't only experiencing this through the mobile app, but also when I logged in online. I sent screenshots of what I was experiencing. On Saturday, XX/XX/2021 I received the following repsonse : " Thank you for using Navy Federal 's eMessaging Service, XXXX XXXX. Navy Federal Online Banking is designed to reflect up to a certain number of transactional entries. For most members, this limit is sufficient to cover all transactions that are completed ; however, you exceeded the allowable data limit that can be reflected within Online Banking. You will be able to see your transactions again once your statement is generated unless the data limit is exceeded again. The Available Balance listed on the main screen is correct. If you have further questions, please let us know. '' I then responded on Sunday, XX/XX/2021 that should be no way that I should not be able to review any of my transactions prior to the statement date and that I have never heard of such a thing as Navy Federal is the only financial institution that I have experienced such a thing with. Whomever responded then stated that Navy has designed their system to only reflect up to a certain number of transactions within a statement cycle and to them this is sufficient for most members. Navy Federal doesn't mention this in any of their member documents or account policy documents.
Consumer complaint received 2021-10-16
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. (GA)

I have contacted Equifax regarding the XXXX XXXX account in the amount of {$11000.00} on my credit report profile. I have sent letters from XX/XX/2021 to XX/XX/2021 asking for physical documents/contracts as proof that they lawfully and legally placed this account on my credit report profile. By law and stated in their correspondence, they will provide the method that was use to verify accounts. I asked for the method of verification that was used, and they did not disclose the method that was used, and refuse to remove the account from my credit report profile. It is clear that Equifax has unlawfully and illegally placed this unverifiable account on my credit profile, and I want this account removed from my credit profile immediately.
Consumer complaint received 2021-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

I'm victim of Identity theft. This account was opened fraudulent. I've disputed this account with XXXX and CCS Collections. They will not move this account. I ask that they provide information that was provided to opened this account... including my social security number. I feel that I'm getting the run around with disputing this account. This account doesn't belong to me.
Consumer complaint received 2020-04-10
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: EQUIFAX, INC. (FL)

I recently applied for a homeland and my realtor pointed out some discrepancies. There was several accounts which are new to me and they seem to be reporting negatively. I have never seen these before nor ever used these companies. I think someone has been using my information behind my back. I believe this to be identity theft and would like to get this issue resolved immediately. This is hindering me from buying my family a home.
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have a Mastercard credit card account opened at the HSBC and activated on XX/XX/XXXX ( see first card statement attached ). However XXXX  only report my HSBC card account since XXXX ( see latest credit report ). I am therefore missing three years of duration in the account history. I have maintained since XXXX my HSBC Mastercard payments in good standing with XXXX past due. As the older the better for an account in its score computation I deserver a fair treatment and all the months be taken into consideration, appearing in full in my report since XX/XX/XXXX.
Consumer complaint received 2020-04-10
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: Siggi LLC (CO)

XXXX is reporting a duplicate Omni Financial account on my report. The accounts have the same exact account number, same payment history, except one was paid off and closed in XX/XX/2018 and one still has a balance of {$950.00}. I have no open account with Omni Financial. I have called Omni and notified them of the problem, they insist they are reporting it correctly and it is on XXXX  to fix. I disputed it several times in writing with XXXX and they insist that is how Omni is reporting it. Neither are willing to correct it and it is unfairly hurting my credit score.