davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (KY)

I received a notice on my credit report from XXXX XXXX, and XXXX  that a debt of {$1400.00} was owed to XXXX XXXX XXXX, XXXX. Due to past due date it had been assigned to the collection agency Phoenix Financial Services. The date the collection was opened according to my credit reporting agencies is XXXX, XXXX XXXX. From information I could find this is a medical collections agency. However I have not received any medical services outside of the state of Kentucky in the past 5 years. I also have KY XXXX which pays all medical bills and services. I never received a bill from this company or a summary of services. I have disputed against all three credit reporting agencies ( some multiple times ) to which XXXX  removed collection but it is still showing on my other two affecting my score. I then proceeded to file a complaint XXXX XXXX XXXX of Florida ( from my searching this is where the original company is located ) on XX/XX/2021 they reached out to the company on XX/XX/2021 and XX/XX/2021 to which they received no response and closed the case on XX/XX/2021. I contacted the attorney state general of Florida via electronic dispute on XX/XX/2021. I have tried to contact the original creditor and the collections agency on multiple occasions with no resolution.
Consumer complaint received 2022-01-31
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (CO)

Im unsure of the information being used for this account but I have talked with the collectors verifying this information does not belong to me and have asked multiple times for them to stop contacting me the information they have on record doesnt not match my information such as date of birth social any of that they are continually putting this charge on my credit after it has already been disputed for the same information and I If i was to get and account through this lender when this account was open it wouldnt have worked because when account was opened I was still a minor and under age so couldnt posess an account
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data and Contact Management Solutions, LLC (DE)

My Father passed away in late XX/XX/2021. I notified XXXX and asked for them to transfer his line to my personal bill in early XXXX. XXXX kept attempting to bill my father even though it was acknowledged two times via chat w/ XXXX that his line is billed to my personal bill. 

1 ) You can't get a human on the phone at XXXX as the wait times are over 30 minutes 2 ) They now turned the account over to a collection Agency called DCM 3 ) DCM told me that don't have the authority and it would take another month to research after I asked them to validate the balance
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (NY)

my CD account from Marcus by Goldmans was mature on XX/XX/2024. Amount is {$15000.00}. 
I called them to close account several times and their respond was just waiting for XXXX days. Its been a XXXX to hold my money. 
They already authorized my checking account for transferring funds but cd account is still closing.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AL)

I deposited checks on XX/XX/XXXX & XX/XX/XXXX. The bank has placed a hold on both checks. I have verified they already have the funds from the XX/XX/XXXX check and they refuse to release the funds. Every check I have deposited in the last 6 months have had holds placed on them. The bank is Truist.
Consumer complaint received 2022-04-14
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. (IL)

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX  Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-01
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. (CO)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-03-18
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: Santander Consumer USA Holdings Inc. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-06-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (MN)

To Whom It May Concern, On XX/XX/21, I received a letter ( attached ) from XXXX, XXXX XXXX XXXX. which stated that they had retained the debt from Westlake Financial in the amount of {$1400.00}. The letter was a receipt sent stating that they accepted a settlement amount of {$1000.00} to satisfy the obligation of the full debt.

I have also attached a copy of my most recent credit report for Westlake Financial which states that the balance is {$1400.00} and continues to be in a derogatory status.

It is my understanding that when Westlake Financial transferred my debt to XXXX XXXX, that they were required under the law to update their tradeline as {$0.00}. It has more than 6 months since this debt was settled, but the information has not been updated. This is causing my credit scores harm, as well as my Debt to Income as I am trying to purchase a home. ( My lender has advised me that a percentage of the chargeoff balance is added to my XXXX, which lowers my buying power. )
Consumer complaint received 2022-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CO)

Originally saw this account under the name XXXX  reached out to inform the company that the account wasnt mines and was made from someone using my identity, but it stayed on my report. Now the account has been charged off and is on my credit even though i never made any purchases
Consumer complaint received 2022-06-01
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. (WI)

I have been going back and forward with Experian about accounts that clearly are not mine, I have been a victim of Identity theft. I sent in dispute after dispute to have these accounts removed. somehow, they keep coming back as mine. When I ask experian to send me documentation with proof of how these accounts are being verified they never do. This has been a burden on me and my family. Listed below are the fraudulent accounts and personal information Experian is posting : XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX 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 2022-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount GR Holdings, LLC (TX)

loanPal now name GoodLeap, we had a agreement of solar panels, I've been trying to contract with them, they sold me a solar panel and they haven't finished the agreement and they charging me over {$51000.00}. they good leap are telling me to pay the amount I own but they haven't finish installing the solar panels I keep receiving everyday phone calls and letters from the collection agency asking me to pay, i did sign a contract with them and they went in bankruptcy and they didn't finish the installation of the solar panels and broke the agreement, I've been waiting since XX/XX/XXXX for them to install the solar panels but haven't received no notice of installation I call and call the company they ignore me, I called on XX/XX/XXXX, they told me that they will install correctly the panels its been over more then 8 months since I sign the contract and they haven't finished the installation and they want me to pay for a service that was not done correctly and they want me to pay for the solar panels that I've haven't use because the installer never finish his job .iam not in tittle of the account iam no longer liable for this good leap loan account, because they broke the contract and never finish installing the solar panels
Consumer complaint received 2022-06-01
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. (IL)

On XX/XX/2022, I called and requested that TransUnion send me a copy of my Consumer file. I was notified by XXXX that the credit report and credit file are one in the same. I explained using legal terms, that information is incorrect. I made it explicitly clear that I was NOT requesting another copy of my Consumer Report, as I already have such. 
After placing me on hold, XXXX informed me that he would send my credit file to my current address on file. He gave me the reference number also, which is XXXX. 

On XX/XX/2022, I received a letter from TransUnion that contained a copy of my most recent Consumer Report, which is clearly not what I requested. 

On XX/XX/2022, I contacted TransUnion once again, to request my credit file. 
I spoke with XXXX who advised me that they aren't able to send me a copy of my credit file, only the Consumer report. I asked to speak with a Supervisor, and was transferred to an Supervisor by the name of XXXX who said they can not send anything except for Consumer Report. I again explain the difference between a file and report, according to Federal Law. 
She then transferred me to a Supervisorby the name of XXXX in Special Handling that advised that TransUnion can send me a copy of the credit file but I would need to write a certain department to obtain that information. She did confirm that she knew the difference between a credit file and report, and she also advised that she was in fact able to see information not contained in my Consumer Report, but she didn't have the authority to send it to me. She put me on hold to get clarification from her Superior, which advised her that if I am requesting such information, I would need a subpoena to access " total history '' instead of " ultimate data ''. She then transferred me to her Superior ( XXXX XXXX who advised that the only thing they see on file is what I see in my Consumer report, and that no one at TransUnion could give me that information. She advised that I reach out to every Creditor individually, which was very unfair and dismissive at the very least. This is most certainly misinformation. 

15 USC 1681g directly indicates how as the Consumer, I have the right to be disclosed to my Consumer file. It was also made very clear by Congress, what a credit file is, and that it is not the same as the Consumer report. A credit file by legal definition means all of the information on a Consumer that is stored and retained by a CRA regardless of how information is stored. Whereas, the report is just a detailed written account of a Consumer 's credit history using financial info collected from creditors.

I am filing a complaint for their negligence to adhere to my federally protected rights as a Consumer. I look forward to this issue being rectified by TransUnion as soon as possible.
Consumer complaint received 2021-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (OH)

Hello- Received a letter from Convergent XXXX  stating I owed {$720.00} but they would settle for {$250.00}. I called and they wanted my social security # which I am not willing to give out, they would not tell me what the debt was for and this is not on my credit report. I called on XX/XX/XXXX and emailed the company on XX/XX/XXXXwith no response. The email was sent to them through their website : XXXX. I believe this is a fraudulent company and looked them up online and saw many other complaints. I do not want them contacting me again and hope to help others that may be taken advantage of by these frauds. Thank you-XXXX XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX, co XXXX XXXX, XXXX XXXX A.R.M. XXXX, XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX The account number for the debt is XXXX Agency account number XXXX A.R.M. 

I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/2024 and identified the debt as I owe to XXXX XXXX in the amount of {$190.00}. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 
Sincerely,
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

According to Fair Credit Act 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2022-04-14
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 the Fair Credit Reporting act there a accounts attached that have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I noticed credit inquiries that I did not authorize made by the following companies below. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of privacy rights. These are fraudulent inquiries that I did not authorize. They information have not been validated with the companies nor have i been provided with copies of any documentation associated with these accounts listed below bearing my signature, I formally request once again that these fraudulent inquiries be immediately deleted from the credit file maintained under my Social Security number. I am making this final attempt to allow these Credit Agencies to correct the erroneous reporting, and I have maintaining a careful and complete record of my communications with the Credit Agencies. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

JPMCB AUTO FINANCE - 01/04/2024

SERRA FORD FARMINGTO via 700CRSERRA FORD FARMINGTON HILL -11/24/2023

ALLY FINANCIAL- 11/24/2023
Consumer complaint received 2022-01-31
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. (TX)

on XXXX XX/XX/2021 I submitted a letter to the Big Three credit reporting agencies ( Equifax, XXXX, XXXX ) regarding inaccurate and unknown items on my credit report. 

It has been over 60-days since I sent the letters to the credit bureau and as of today I have not received a response. I feel as if I'm being taken advantage of and my request are not being investigated in a timely manner. Section 611A plainly states that affiliate action for these items be investigated within 30-days proper or these inaccuracies be removed immediately. In the Fair Credit Reporting Act, it states that if a creditor is reporting inaccurate negative information on my credit report and cant provide any evidence of the requested items., this is grounds for a law suit. 

It has been over 60-days and I demand that these unverified accounts be deleted immediately or I will file a litigation due to the stress and false reporting this has done to my credit rating. This information may effect an Equifax data breach and fall into the wrong hands.
Consumer complaint received 2022-12-29
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. (NY)

I sent a letter to the credit bureau asking for them to validate the debt, they've sent a letter back stating the incorrect disputed ; collections account is correct there on their end. 15 U.S C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

They know that the debt is inaccurate at the time of my dispute and of them continuing to report whats now known to be inaccurate multiple times, but refuse to remove disputed account not validated.