davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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. (FL)

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. IDtheft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$42.00} and XXXX  XXXX ; INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-04-12
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)

The credit card company XXXX XXXX was advised of identity theft and credit fraud. Information submitted to all credit bureaus and credit company. They still will not remove off my credit report.
Consumer complaint received 2020-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Management, Inc (AR)

I have a derogatory mark on my credit report from " XXXX  XXXX XXXX   XXXX by XXXX '' for an amount of {$65.00} from XX/XX/2017. I know if I went to XXXX XXXX XXXX XXXX that I would have paid the amount then and there and I do not know where this collection came from. I do not even know how to pay it off. I believe it went to a collection agency called Professional Credit Management ( Profcrdtmg ). No one notified me that I owed anything or that there was a collection.
Consumer complaint received 2020-04-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (VA)

In preparation for potential reductions in the workforce due to the Coronavirus, I contacted the local First Virginia Loan office on XX/XX/XXXX @ ( XXXX ) XXXX to offer {$500.00} to pay out my account. Unfortunately, the Office Manager, XXXX denied my request indicating I would have to pay {$1000.00} to settle the account ; this information was passed to me from Front Desk Staff ( XXXX ). 

To add additional context, In XX/XX/XXXX, First Virginia approved me for a loan in the amount of {$1000.00}. Over the last 13 months, I have paid First Virginia {$2700.00} and the current balance is {$1100.00} which is greater than the initial loan amount. 

My objective is to settle open accounts with creditors while I have funds available. Given the amount I have paid to First Virginia Loans through XX/XX/XXXX in addition to the above mentioned balance, I would like to identify options to get out of this money trap.Otherwise, payments may cease due to bankruptcy should the Coronavirus continue to impact the economy. I have made an attempt to pay off my account within reason to no avail. 

I understand I signed the loan and ultimately responsible for the debt however, I'm starting to feel a sense of Corporate Greed. Given the downturn of the economy, What happen to Business Ethics? Lastly, I submitted a {$50.00} dollar payment on Friday XX/XX/XXXX and would you believe XXXX has called me on Friday ( After Payment was made ), Saturday, and XXXX XXXX. I am very frustrated with issue. 

First Virginia Loans Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2020-01-09
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: TRANSWORLD SYSTEMS INC (CA)

XX/XX/2013 a XXXX account was opened with XXXX XXXX. This account is a fraudulent account opened by my ex while I was XXXX for XXXX XXXX military service. I had no knowledge this account existed until my social security wages were garnished. Ive contacted the company and disputed this with 2 major credit reporting agencies. This account now reflects a XXXX balance and this is negatively effecting my credit score
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I have reported and disputed this information not only by the collection agencies but also the credit bureaus the police department and also the FTC. These are inaccurate and credit theft I wasnt even of age when the account were opened I was XXXX not of age that is against the law by its self.
Consumer complaint received 2023-07-13
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 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-12
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. (NC)

I am trying to get my free credit report from equifax but i am not able to access it I tried to create an account on my.equifax.com but i just keep getting this : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team I called and no one even picked up. 

so then i went to XXXX and entered all of my information and it ended up giving me this : " We are not able to deliver your free Equifax Annual Credit Report online. '' i've tried accessing it a few times over the last couple years and always get these errors, it's become unacceptable to me how unnecessarily complicated equifax is compared to the other 2. 

I have a small medical debt to dispute on equifax ( it was paid off so its an error ) I did not have these problems when using XXXX or XXXX and they were able to remove the debt off their reports within a week.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with a Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Account number XXXXXXXX XXXXXXXX XXXX XXXX was paid off in full on XX/XX/XXXX. The credit bureaus in question knowingly placed late payment on this account on XX/XX/XXXX after receiving this information twice. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX UT XXXX XXXX Status charge off. 

This account XXXXXXXX XXXX XXXX XXXX XXXX originated in XXXX. It was reported to the bureaus as fraud in XXXX and XXXX with a police report. For some reason this account was updated and reported as late payments 29 times to the bureaus in XX/XX/XXXX thru XX/XX/XXXX after the account was already closed and charged off. I have tried to resolve these illegal " BILLING ERRORS '' in the last 36 months with the bureaus in question with no results. The bureaus in question have undeniably hurt my potential for a loan and lines of credit that I have applied for and they have violated my rights under these sections of 15 U.S.C 1681.

15 USC 16 81 section 602a. States I have the right to privacy.

15 USC 16 81 section ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( A ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following item of information, any other adverse items of information, other than records convictions of a crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer agency reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/23 I submitted a check for a mobile deposit in the amount of $ XXXX.The check was from XXXX for paid family leave. The next day XX/XX/23 I received a confirmation e-mail the check was successfully deposited but wouldn't be available until XX/XX/23. The same day I received another e-mail saying my account was restricted. The same day I proceeded to call to find out what was going on. After numerous attempts to get ahold of an agent finally I was able to get ahold of someone. An agent told me they needed to verify the sender of the check. She went ahead and called XXXX to verify the check but couldn't get ahold of anybody. She told me to call the next day earlier in the morning. The next day XX/XX/23 I called and another agent attempted to verify the check but said the lines were busy and to try to call back later in the afternoon. I did just that and another agent told me later that day that my account was being closed and thanked me for the years of banking with them. I asked why and she said they have the right to refuse service to anyone and I would not be allowed to open another account with them. I asked what would happen with my money and she said I would receive a check for the money from my savings. I asked about the check and she said I could go ahead and deposit it somewhere else. I went ahead and deposited the check to another checking account I have at XXXX XXXX. This past Friday XX/XX/23 I checked that account and saw the check bounced because XXXX XXXX  still has a hold on the check when I was told otherwise. I try to call and get sent to the resolution department line which is just voicemail. When I try to talk to an agent as soon as they look up my account I am transferred straight to the resolution department voicemail again. I've made various attempts to get ahold of someone and have left voicemails in the resolution line and nobody has gotten back to me to this day. This issue has taken almost XXXX weeks and it's not resolved yet and I have not heard back from anyone. Agents I was able to get ahold of have given me misinformation about what is going on. My account and check are on hold. I do not have access to my money. Need to pay bills which I was going to use that check for. I do not feel they are taking my case seriously. I believe it should not be taking this long to investigate my account and verify the check.
Consumer complaint received 2020-04-12
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: Experian Information Solutions Inc. (NY)

To Whom It May Concern, I was recently looking at my credit score on XX/XX/2020 on XXXX I noticed there was an inaccurate report on my file and I wanted it removed from all the credit agencies as this was already handled in collections. I had paid this company XXXX  off in full. I believe it was XXXX XXXX XXXX. Either way this was all taken care of back of and paid in full. They had agreed to remove this entire account from my credit report as I paid In full with the understanding that all this would go away. That was the way they explained to me. I am getting it with countless late fee 's that I shouldn't be hit with since this account is suppose to be removed from my report. I have called the company a few times and they have admitted it should be off my report. So I am unsure as to why it is still on my credit file. On XX/XX/2020 I called the # on file and they said I should report to each credit agency directly. I am hoping you guys can help me out under the fair credit act.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (CA)

A XXXX XXXX XXXXXXXX credit card account was created fraudulently and had an outstanding balance of {$7000.00}, exceeding its credit limit. XXXX has been contacted to investigate this account. 
A XXXX credit card account was created but was closed without any transaction. 

Many unauthorized credit inquiries occurred from XX/XX/2022 until XXXX, which caused my credit score to drop more than 200 points. I reach out to XXXX and XXXX to file a dispute. I could not do the same with Experian since an existing Experian account links to a fraudulent email address that prevents me from getting registration confirmation. Experian requested that I fax or mail in my document to claim control of that account. That will take a couple of weeks to clear. 

I have placed a credit freeze, and fraud alert through XXXX.
Consumer complaint received 2020-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (DE)

In XX/XX/XXXX I reviewed my credit reports and noticed there was a collection account from Transworld Systems reporting a past due balance of {$270.00}. The original creditor was  XXXX XXXX Hospital. I called the hospital and asked if there were any unpaid bills under my name and social security number, and I was told there were none. So I sent a letter to Transworld and asked them to provide me with some kind of proof that I owed the debt that they are reporting to my credit reports. After receiving no response from them, in XXXX, I disputed the accounts with all three credit bureaus ( XXXX, XXXX, and XXXX  ). I was  informed by the credit bureaus that Transworld had validated that the accounts were reporting accurately, and that I did owe a past due amount of {$270.00}. I sent another letter to Transworld in  XX/XX/XXXX, asking that they please provide me with a copy of the statement or the bill, to show where this past due balance was coming from. Again, I received no response from the company at all. I disputed the accounts with the credit bureaus for a second time in XX/XX/XXXX, and again, Transworld has certified that the balance is reporting correctly. I have followed up with the original creditor, XXXX Hospital, several times and they are telling me that there are NO outstanding balances on file for me. I have never received a single communication from Transworld to show me this balance that they claim I owe.
Consumer complaint received 2020-01-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (GA)

They've put my case with collections already i have 4 different schools and four different loans. I can't pay back if i have no income or way of getting my credit score back up. Also ive told them im XXXX XXXX XXXX and i recieve social securit. Net nel handled it then and still no results
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

Sunrise Credit services is trying to collect {$5600.00} for a XXXX XXXX XXXX account, thats unheard off. I haven't been with XXXX XXXX XXXX in years. I never received the devices I were supposed to get. I have plenty of documents supporting this. Remove Please
Consumer complaint received 2020-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (VA)

I reported this organization in a previous notice to you earlier this year, as a sub-collector on another bill. This one in particular is the same type of situation, in that I never received an original bill, nor any follow-up past due notices, around the time of service. Evidently, the organization ( XXXX XXXX XXXX ) sold accounts to XXXX XXXX who is attempting to collect through Phoenix Financial. As in the other cases, I do not believe I should be responsible for this charge, due to what I've already said and the fact that it's been almost three years now. Another point is that they're using my street address when I actually have a PO Box that is my official address. All other legitimate creditors and organizations, such as the IRS, my bank, DMV use the POBox. I would appreciate this being written off and closed from my credit report as I paid my portion of bills that came from other providers around the time services were rendered. Thank you.
Consumer complaint received 2020-04-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TN)

Freedom Mortgage is unable to process or refuses to process ACH Payments from XXXX. I can not get in touch with them over the phone ( their number is always busy ). They do not respond to secure messaging on their site. I have sent them 10 messages over the last month, many stating that I could not get through to their phone number. Their response ( after 10 days! ) was for me to " Call them ''. I get half a dozen mailed letters a week stating that my payment was canceled because I " stopped the payment '' or that I am in default. I did not, and my bank has no record of such an action. I can't even get a hold of them to try and figure out why they cant process the payment on their end.
Consumer complaint received 2020-01-09
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: EQUIFAX, INC. (NY)

I previously notified Equifax that I am a victim of identity theft, I am not a credit repair company I am me, XXXX XXXX.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2020-04-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CT)

I have talked to XXXX and XXXX, I submitted Forbearance paperwork all could be done over the phone and yet this company insistss on inundating you with mail, emails but never a solution over the phone for some reason like every other federal student loan. 

Then they blatantly XXXX  on my credit report claiming can not find me? When they just spoke with me numerous times on the phone and yet as a citizen of the United States XXXX and all credit companies can put what they want on your credit report and you have no recourse whatsoever. 

You are basically at the mercy, and held XXXX  by Credit Bureaus. 

well I'm sorry but that is going to change. 

Once the president of the United States gets wind of what a AES is doing, and the credit bureaus, they'll have to answer to him! 

I will make him very aware of what AES has been doing and how many times they have called me and how many times I have requested the same thing over and over again with XXXX  income for the past 3 years while I was a XXXX to my husband who is a XXXX XXXX recipient an XXXX  recipient. 

What's worse, is the credit bureaus just take the word of these companies in ruin people 's lives well guess what we've got president that actually is going to do something for the little guy so I have a really good feeling about this.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX Balance : {$15000.00}