davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX XXXX XXXX the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2018-09-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I contacted TransUnion Dispute Department and was transferred to one of their customer service reps named XXXX. I told her my problem with her agency listing XXXX XXXX  as a Charged off account. I informed her I had written a collection validation letter to XXXX XXXX  and wanted them to validate this debt showing up on my TransUnion credit report. I let her know I had sent this letter to the creditor twice, and I had gotten no response from the creditor in the last 45 days. She said she couldn't remove the account from my credit report and she needed a letter from the XXXX XXXX  to remove the account from my report. I stated that they have dual listings as they have XXXX XXXX listed as a collection account as well. It has to be either a charge off account or collection account, they can't have both. She told me there was nothing they could do. I also told her that the XXXX XXXX XXXX XXXX couldn't verify to me that any of my student loan payments were late, and that I would have to take it up with TransUnion. XXXX told me there was nothing she could do without a letter from XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-09-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (ND)

I contacted XXXX  Dispute Department and was transferred to one of their customer service reps named XXXX. I told her my problem with her agency listing XXXX XXXX as a Charged off account. I informed her I had written a collection validation letter to Rise XXXX and wanted them to validate this debt showing up on my XXXX credit report. I let her know I had sent this letter to the creditor twice, and I had gotten no response from the creditor in the last 45 days. She said she couldn't remove the account from my credit report and she needed a letter from the XXXX XXXX to remove the account from my report. I stated that they have dual listings as they have XXXX XXXX listed as a collection account as well. It has to be either a charge off account or collection account, they can't have both. She told me there was nothing they could do. I also told her that the XXXX XXXX XXXX XXXX couldn't verify to me that any of my student loan payments were late, and that I would have to take it up with XXXX. XXXX told me there was nothing she could do without a letter from XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-09-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: POPULAR BANK (IL)

I had a HELOC with Popular Bank. The bank sent me a letter explaining that I could no longer draw from the account and the balance must be paid within a given time period. I paid off the account, leaving a balance of {$0.00}. I did this years before the determined end date. Popular Bank recently started sending account maintenance bills. I called the bank and explained that the account is paid in full and no additional monies could be borrowed. Therefore, Popular Bank was providing NO SERVICE to me. I asked that the account be closed. The account should have automatically closed under the conditions that the balance was paid in full AND no additional transactions could take place. Earlier this week I got notice from XXXX  that my credit has taken a near 100 point hit due to delinquency! I owe Popular Bank NOTHING. I paid them in full more than a year ago. Their practice is predatory. My near perfect credit rating in now ruined. My desire is that you will investigate the matter and fine the bank accordingly.
Consumer complaint received 2024-02-26
Product: Credit reporting 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 just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

I am a victim of identity theft yet your company Commonwealth has inserted negative marks into my credit file without first notifying me to give me my right to dispute and request validation. The accounts in collections in the amounts of {$2000.00}, {$1300.00}, {$2000.00}, {$1600.00} and {$1000.00} do not belong to me and are in fact a result of identity theft. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. Once again these account are a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a medical and I have not ever given your company or any other company authorization to share any health information about myself. Your company is in complete violation of HIPPA.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

I had got Care credit for dental, and after so many months there's was a large sum of interest was added which I didn't even know that was gon na happen. I never received an adequate explanation of the terms. No one explained to me when signing up that was going to happen. I was told I just needed to pay my account balance. I opened this line of credit in XXXX, I struggled in XXXX, because of the added interest amount added and high interest and I couldn't pay. The highest balance was {$600.00}, and I checked my report and now I have a balance of {$1200.00} in collections ( ridiculous ). 

I am writing this because I just came upon this lawsuit against GE capital bank. I am wondering if I am able to get reimbursed due to my situation. Thank you, and I hope to hear from someone soon. 

CFPB Orders GE CareCredit to Refund {$34.00} XXXX for Deceptive Health-Care Credit Card Enrollment
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

N accordance with the Fair Credit reporting Act of XXXX  XXXX XXXX # 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 604A. It also states a consumer agency can not furnish a account without my written instructions
Consumer complaint received 2018-09-06
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: DISCOVER BANK (FL)

XXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several credit card accounts. An inquiry from Discover was found on his XXXX   and XXXX credit reports related to one of these fraudulent applications. An official dispute of this application was submitted to Discover XX/XX/2018 ; Discover replied stating the inquiry was accurate as it was related to an application. While the dispute was acknowledging the application was submitted it also indicated the nature of the application was related to an issue of fraud and identity theft and under teh FCRA that inquiry is to be removed from any and all credit reports. This current actions is a direct violation of the FCRA and my clients federal consumer rights.
Consumer complaint received 2018-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Complaint regarding : XXXX XXXX XXXX, XXXX MA. 

I owned my first home when I was 25, and owned it for 13 years. I thought that selling it, just like buying it, would be a nervous, exciting and joyful moment that I would treasure forever. The XXXX XXXX XXXX XXXXXXXX XXXX MA. made my experience horrible, unforgettable, frustrating and stressful. Not only did they display unprofessionalism by giving us unrealistic timeframes and closing dates, but they were not transparent in their information sharing. 

Throughout the whole process my realtor had to demand answers. At times reaching out to multiple partners involved in the situation. Thankfully, they were able to get their affairs in order and we did not have to start the process over with a new buyer, but I was willing to do so because they were not taking us seriously and were uncaring about our situation. 

If you want a positive customer experience, a bank that offers you transparency and peace of mind when youre buying or selling a home do not do business with the XXXX XXXX XXXX  XXXX XXXX MA. Although the memory of selling my house will forever be tarnished, I thank XXXX for a great realtor that fought to get answers and provided full transparency regarding the situation.
Consumer complaint received 2018-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (AZ)

I was on medicaid they had my medicaid information. 

PARAMOUNT RECOVERY PARAMOUNT RECOVERY Last reported : XX/XX/XXXX {$100.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$100.00} Highest Balance {$100.00} Opened XX/XX/XXXX ( 2 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX See an error? 
DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete. 

CHECK DISPUTE STATUS Creditor Information PARAMOUNT RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc. (AZ)

XXXX Closed my account and I tried to resolve issue its been more than 7 years .Sprint has NON ETHICAL business practices. 

XXXX XXXX Last reported : XX/XX/XXXX {$300.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$300.00} Highest Balance {$300.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX See an error? 
DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete. 

CHECK DISPUTE STATUS Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have a bankruptcy that does not belong to me. I have tried to dispute and remove the bankruptcy with all three of the credit bureaus. They have told me the information has been verified. I have PROOF that the Bankruptcy Courts have not verified anything, and that this lawfully should be removed.
Consumer complaint received 2023-03-18
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)

This is my eighth attempt to contact you via a CFPB complaint to inform you that I am a victim of identity theft and to query specific records in my file that were obtained illegally. The data I am querying connect with no exchanges acquiring any custody of goods, services or money that I have made or authorized. Block the notoriety of any material in my credit report that resulted from a scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$8900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} XXXXXXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The following false things should be taken off of my credit record, I formally request. I would appreciate it if you could delete the disputed goods right away if you are unable to provide any documentation proving that they belong to me.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Since XX/XX/XXXX I have trying to correct the information on my report. Equifax refuses to correct the information. After several letters and me sending in the necessary documents. Birth certificate, driver license, passport, bank statement, utility bills etc they still have not corrected the inaccurate information. 

They are continuing to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX
Consumer complaint received 2024-03-05
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. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2018-09-06
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: EQUIFAX, INC. (CA)

i have repeatedly via web requested for a credit report. every time i have been denied and told to call. i have called and sent requests and all are denied and will not allow me to get a copy of my my report. i am tired of it. i have answered every question and i know they have verified me cuz other credit report places have told me so and still they deny me. why?
Consumer complaint received 2018-08-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (NV)

XXXX XXXX XXXX XXXX, XXXX was collecting money on the behalf of Rapid Cash. They turn this account over to XXXX, XXXX XXXX XXXX XXXX. The account has been paid in full ( {$2600.00} ) File # XXXX on XX/XX/2018. I have checked my XXXX   credit report and this company XXXX XXXX XXXX XXXX XXXX XXXX name is on my credit report still reporting a balance of {$110.00} when it has clearly been satisfied. I have a letter from the above attorney office which states the debt has been satisfied. This incorrect reporting of inaccurate information need to be removed immediately from all three credit bureaus.
Consumer complaint received 2020-06-02
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$140.00} XXXX  XXXX {$660.00}
Consumer complaint received 2018-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion credit reporting agency is failing to report our mortgage on our credit report. XXXX XXXX has reported the account to all three credit bureaus and all are displaying the account correctly except TransUnion. It has been over 90 days since XXXX XXXX began reporting the account once again. We can not actually dispute this with TransUnion because the account isn't visible on the report. Both XXXX & XXXX almost immediately began reporting on this account. Why is TransUnion not doing the same? 

The fact that this account is not appearing on our credit reports is affecting our credit scores and has prevented us from getting credit on at least one occasion.
Consumer complaint received 2019-05-06
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. (TX)

Equifax and XXXX are reporting an incorrect coding of the XXXX partial account number XXXX. This account is being coded as an XXXX when actually this account needs to be coded as an XXXX. ( Please see page 4 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (VA)

In XX/XX/2018, I sent a letter EOS CCA and asked they send me verification ( contract/lease/signed statement ) of this debt and they sent me a bill. In XX/XX/2018 I sent a second later and have not received anything back from them.
Consumer complaint received 2018-09-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Complete Credit Solutions, Inc. (GA)

Complete Credit Solutions , Inc. has made repeated calls through the following numbers, which is another company : XXXX, XXXX, XXXX. The company, XXXX claims that they are calling on behalf of Complete Credit Solutions , Inc . They have called my phone multiple times, sometimes up to twice a day. I called and they said they were attempting to collect a debt with Complete Credit Solutions Inc. for something I have no idea about and I asked them to please stop calling. I have already received letters from Complete Credit Solutions Inc. The multiple phone calls day and night are harassing and disturbing, especially because I need my phone for work and get constant interruptions.
Consumer complaint received 2022-07-10
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. ()

In 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.
Consumer complaint received 2022-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

N accordance with the Fair Credit reporting Act XXXXXXXX XXXX XXXX  # 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 604A. It also states a consumer agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (OH)

Equifax was given information regarding my student loans in deferment back on XX/XX/22. The refuse to update my report after documentation was provided indicating this. The other XXXX XXXX have updated my report correctly.
Consumer complaint received 2023-03-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I contacted the Credit Reporting Agencies via Disputed letter after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that the late payments on the following accounts be corrected and fixed as soon as possible : XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX Balance : {$31.00}. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law.