davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Account Systems of Omaha, LLC (IA)

National Account Systems has been notified that this debt they are trying to collect on is a result of ID theft. They have however, even after receiving a copy of the police report and a dispute from the Credit Report Agencies, refused to remove the account from my credit report.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: American Coradius International LLC (CO)

I received a letter from American Coradius International stating that I owed XXXX  {$190.00}. I tried contacting them three times and was never able to get a phone call through nor an email response. I then got a second letter that showed the debt. The two emails associated with the debt are not mine nor emails I recognize whatsoever. I contacted XXXX support and they were able to confirm that none of my accounts owed any money. Looking around on the internet I found that many other XXXX users are getting the same fraudulent letters from the same company.
Consumer complaint received 2020-03-16
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. (AZ)

Equifax has been selling my info without me knowing ( illegal ) and now I have over 40 hard inquiries. remove all at once. 
I now have misreported inquiries that do not belong on my credit report. I did not authorize. This is fraud. 
Remove XXXX XXXX XXXX for this is a fraudulent loan and is not mine. 
Equifax needs to raise my credit score.
Consumer complaint received 2020-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (WA)

On XX/XX/XXXX, I recived a notice in the mail from an entity called Convergent Outsourcing , Inc . This notice recd from Convergent Outsourcing is dated XX/XX/XXXX, and indicates that it was mailed on behalf of XXXX, in which they refer to as their client. It also annotates what they claim to be a 'balance due ' of {$120.00}. This is in reference ( Im guessing ) to the only XXXX  account Ive had before, and closed/cancelled in XX/XX/XXXX. This notice also states : 'our client has advised us that they are willing to satisfy your account in full for 50 % of your total balance '. In addition, at the time the XXXX  account was closed/cancelled in XX/XX/XXXX, there was a balance of {$47.00} - which was paid in-full, and in conjunction with the account cancellation. The modem equipment was prompty returned via XXXX XXXX XXXX per instructions provided by XXXX. There were no other invoices or correspondence of any kind received directly from XXXX  after the account cancellation, balance payment, and return of equipment.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I have been trying to remove my fraud alert with the three credit credit agencies but it is so difficult to get to talk to a live person and them they ask a lot of questions that I don't remember that I had to ask for your help with this, Please remove my extended fraud alert and consumer statement.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying to remove my fraud alert with the three credit credit agencies but it is so difficult to get to talk to a live person and them they ask a lot of questions that I don't remember that I had to ask for your help with this, Please remove my extended fraud alert and consumer statement.
Consumer complaint received 2020-03-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

I tried to open a checking account ( XXXX ) with US bank. However they called and asked me to provide documents to show i'm here in the US legally. This is not a legal requirement. Banks often ask to provide documents to verify identity, which i'm happy to provide, but consumer 's do not have to prove their legal status. 

I find US banks practice discriminatory and against law.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CO)

RECEIVABLES PERFORMANCE MANAGEMENT , LLC states that Received a valid payment of {$100.00} on XX/XX/XXXX. A second payment made on XX/XX/XXXX of {$100.00} was returned for insufficient funds. 

THAT'S BECAUSE XXXX CHARGED ME 2ND TIME SAME AMMOUNT AFTER CHANGING MY PLAN WITHOUT TELLING ME. REGARDLESS I HAVE PAID REDICULOUS BILL ONCE AND ASKED TO CLOSE MY ACCOUNT! THATS FOR ONE. 

SECOND : " RPM contacted XXXX who advised that the device non-return fee applied for Serial No. : XXXX, however the device with serial number XXXX was returned and charge for it was adjusted on XX/XX/XXXX '' WHAT KIND OF DEVICE IS THIS Serial No. : XXXX??? AND WHEN XXXX SENT IT ME? I HAVE NEVER RECEIVED IT!
Consumer complaint received 2021-06-17
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. (CA)

I've been a customer of XXXX XXXX XXXX cards for over two years .I work as a XXXX and I'm a XXXX XXXX and I usually don't have time to check my credit due to my busy schedule. I finally looked into my credit report since I'm refinancing. it came to my attention that XXXX XXXX is reporting incorrect information on my credit file. due to the 30 days late I am being offered a higher interest rate on a mortgage loan but over the years it will cost a lot more. I don't recall paying late. My credit card has a XXXX  balance and I always pay my bills on time. The late is being reported on my file. I have been paying on time. I opened this account to better my credit and not destroy my life.
Consumer complaint received 2020-03-17
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX/XXXX XXXX  {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2500.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2700.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$4500.00}
Consumer complaint received 2020-03-17
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2500.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2700.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$4500.00}
Consumer complaint received 2021-06-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau (OK)

I need help i have contacted everyone possible from the credit reporting agencies to This company MEDICAL BUSINESS BUREA that say i owe a debt from someone named XXXX XXXX XXXX which is a violation on so many different levels. 1 I asked them to verify the date to me more than 30 days ago and i've heard or received nothing from them. 2. The violated the Fair Debt Collections Act 1692g since they have never even contacted me once and gave e a chance to dispute the information. They just put it on my credit report causing me stress and damaging my character. If they don't stop reporting this false information i will be forced to litigate for the Civil liabilities section 15 united states code 1692k. Everyone is ignoring my requests they are giving me now choice. They also have violated 15 usc 1681 ( i ), 15 usc 1681a ( 1 ) and 1681 ( a ) ( 4 ) just a bunch of violations that i can use if this stuff is not fixed immediately
Consumer complaint received 2020-03-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (OH)

I had went to the hospital in another state and then moved. I received notice of the medical after it was sent to collections from the hospital and the debt collector had already reported it to all 3 bureaus. I called the company, Transworld Systems Inc. at XXXX, today to advise I would pay the balance in full in exchange for a deletion letter. They advised they would submit it as paid in full but not provide a deletion letter. 

Right now, I understand it is may not be a violation of the FDCPA, but debt collectors should not be able to damage your credit for years ( after paying off the medical debt ) and then refuse to remediate it. Why is part of the FDCPA that requires that debt collectors who report provide deletion letters if the debt is paid in full?
Consumer complaint received 2019-12-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Called XXXX to get my report on XXXX which apparently is grossly in error. This agency had my current address wrong, my last name and first name inverted and my previous address was also incorrect.
1-Will all this be reported to XXXX so they can coverup their errors prior to sending me their report
2-If the agency responsible for getting me copies of my Credit Report is so completely in error, how can I rely on a credit report?
Consumer complaint received 2020-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VELO LAW OFFICE (MT)

I paid this debt years ago. Velo law has spent the last year trying to collect it again. Ive sent them the debt release as proof multiple times and they refuse it. They have now marked me as no contact and filed a lawsuit.
Consumer complaint received 2020-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc. (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under Merchants & Professionals. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. On XX/XX/XXXX the company sent a statement reflecting a balance owed for my daughter XXXX XXXX who was covered under XXXX and therefore charges should have already been paid. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and therefore a 2nd validation letter was sent, along with a copy of letter sent by the agency as well as a copy of my daughter 's XXXX card requesting further review as the account should have been covered in full. As of today I have not received any further correspondence from creditor to validate these accounts as not having been paid tand furthermore I do not believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was ran through XXXX and remains unpaid and all reported information is correct.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX held my student loans in the amount of roughly {$75000.00} since XXXX. I made payments for about XXXX years and put the loans in forbearance in XXXX because I went back to school for my XXXX XXXX XXXX. This forbearance then coincided with XXXX in XX/XX/XXXX. As was the case with all student loans, I was of the understanding that these loans were also covered by the XXXX governments ruling on suspension of payments. In XX/XX/XXXX, I was denied of co-signing for student loans for my son. I found out at this time that XXXX was still expecting payments, although I never received mail nor phone calls letting me know this information. At this time and the months/years that followed, they began informing me that the government would be taking over the loans and all past delinquencies would be wiped clean. In XX/XX/XXXX, XXXX became my new loan servicer and on the letter they sent, it states, '' Your student loans are no longer considered in default '', " Your previous loan servicer has notified credit reporting agencies to remove any adverse credit reporting that occurred because of the default ''. XXXX then went and reported default in late XXXX which has blocked me from co-signing student loans for my daughter. I have contacted XXXX directly and submitted inquiries through the credit agencies. XXXX not only refuses to comply with the letters, they outright refuse to remove this false information on my credit report.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-06-17
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: BARCLAYS BANK DELAWARE (CA)

I was aproved for Barclay card few years ago and my new card was used by someone fraudulently so I had talked to Barclay and they closed my card and I had reapplied and got a new one. They had removed my original 90 days late payments from credit report so it didn't show up the first few years, But when I check my report now, it shows as 90 days late payment. 
I would like this 90 days late payment to be removed immediately from XXXX. 
This first Acct was opened on XX/XX/2015 Acct # XXXX
Consumer complaint received 2020-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (NV)

On XX/XX/XXXX, I had made a {$300.00} payment towards my rent. Also I had a {$40.00} payment, a {$20.00} payment, a {$25.00} and another {$20.00} payment pending. On XX/XX/XXXX, I had a {$270.00} payment. But what happened, was that the withdrawals got shuffled around and a few small payments were rejected as well as fees incurred. In the meantime, I had {$300.00} deposited but I have had over {$200.00} in fees. 

My place of employ was shut down because of the health crisis and I have no idea when I will be able to go back to work. I simply do not have the income to be playing these games with my bank. Many places are waving fees to help with this crisis ( like my utilities which is nice because that was one of my rejected payments ) but apparently not this institution which appears to be using this global time of health and financial crisis to net a profit for themselves.
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I have reached out to XXXX XXXX XXXX XXXX  regarding the validity of the debt, but they did not provide any proof of the late payment status on this account. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. It is important to me that my credit report is accurate and up-to-date, which is why I am requesting that you either provide proof of the late payment or delete the negative payment status on this account. Please keep me informed about the status of this dispute, and provide me with any updates or documentation related to this matter. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$0.00}.
Consumer complaint received 2021-06-17
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. (TX)

I have submitted multiple disputes regarding two collections on my credits which are paid account. I have sent documentation and dates they were paid and cleared my bank. Their investigation continues to conclude that the collection remains as unpaid. I paid almost {$900.00} of my own money I work hard to earn to pay these bills and they continue to tell me they are unpaid even with receipts and bank records.
Consumer complaint received 2021-06-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KS)

I checked my credit report last month around XX/XX/2021 and i saw this fraudulent account on my profile being reported by XXXX  and Experian. It is the first time i seen these accounts. I've never received any information from the company or the collector XXXX XXXX XXXX so i don't know whats going on. This account is not mine i've tried disputing and calling the credit repair companies and i also sent letters to the debt collection company. It is extremely hard to get someone on the phone through the system it is very confusing and time consuming. They are violating my rights by reporting this false information. 15 united states code 1681 ( a ) ( 1 ) says they must report accurate information. It has been more than 30 days and all they say is that the information is verified. How, they haven't sent me one document showing that it is mine. I'm so confused how they can just violate the law like this and destroy my credit score and not be held accountable. I do know Fair Credit Reporting Act laws protect me from this type of stuf. 15 United States Code 1681n ( a ) ( 1 ) says any actual damages like the stress plus up to {$1000.00} per violation. I need this stuff deleted our i will have to excercise my rights.
Consumer complaint received 2021-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

PAYPAL CLOSE MY ACCOUNT BECOUSE I REQUEST  TO WITHDRAW MY FUNDS.

PAYPAL PRETEND HOLD MY MONEY BY 180 DAYS JUST BECOUSE I TRY TO TAKE OUT.

I HAVE MY BABY REALLY BAD AT THE HOSPITAL AND I TRY TO  GET HELP FROM PAYPAL FOR WITHDRAW MY MONEY , INTEAD GET HELP , PAYPAL JUST BLOCKE ME FOREVER.
WHY PAYPAL PLAY WITH PEOPLE MONEY IN THAT WAY WITHOUT KNOW SOMETIMES THE PEOPLE PROBLEMS.

THE MISION OF PAYPAL IS HELP PEOPLE OR RESOLVE PROBLEM WHEN WE HAVE ISSUE , BUT NOW THIS COMPANY MISSION IS JUST HOLD  ALL MONEY THAT THEY CAN.

I REALLY FELL FRUSTATE WITH THIS COMPANY.

I WANT JUST MY MONEY BECOUSE MY BABY IS REALLY BAD AND I NEED TO BUY MEDICE , .
 
I HOPE PAYPAL RELEASE MY MONEY BECOUSE IS NOT MY FAULT THAT SYSTEM  JUST BLOCKE ME BECOUSE I TRY TO WITHDRAW MY FUNDS.


MY EMAIL IS XXXX  Id. de referencia: XXXX
Consumer complaint received 2020-03-29
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: EQUIFAX, INC. (IL)

I have contacted Equifax several times explaining that the following accounts do not belong to me. I have sent all requested documents ID, Social Security card, Police report, and Identity theft report. I have informed Equifax that the information they are reporting is FRAUD. I am asking that the following fraud accounts be DELETED & BLOCKED from my credit Report. Dept OF ED/XXXX {$2100.00}, Dept OF ED/XXXX  {$4100.00}, Dept OF ED/XXXX  {$1800.00}, Dept OF ED/XXXX  {$910.00}, Dept OF ED/XXXX  {$870.00} & XXXX XXXX {$300.00}. I have contacted you over & over again. Due to you reporting this information in error has cause a huge effect on my life. I am asking that you please DELETE & block all these fraud accounts.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Credit bureaus adjustment was sent by loan company to credit bureaus on XX/XX/2020 however they did not report to my credit until XX/XX/2020. My credit bureaus are still saying I am delinquent when I am not. I was in deferment and still am.
Consumer complaint received 2020-03-17
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. (AZ)

Credit bureaus adjustment was sent by loan company to credit bureaus on XX/XX/2020 however they did not report to my credit until XX/XX/2020. My credit bureaus are still saying I am delinquent when I am not. I was in deferment and still am.