davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi my name is XXXX, I have attempted to contact Transunion regarding 4 separate unverified accounts that are sitting in my credit report negatively affecting my ability to obtain credit. 

I have sent a dispute letter requesting that these negative accounts be Verified or removed. 

Transunion has failed to respond to my dispute letter sent on XX/XX/2018 and received by Transunion on XX/XX/2018. 

Transunion has failed to respond to my dispute letter within the fair credit reporting act 30 day response time deadline. 

Therefore in accordance with with s.1629e ( 8 ) of the debt collection practices act which clearly states any information known to be false. Can not be reported to any credit bureau. 

I request Transunion immediately delete this information from my credit reports. 

They have failed to provide me with verifiable documentation verifying these accounts or remove said negative accounts that are preventing me from getting credit. 

These unverified negative accounts which have been copied, notarized and sent via certified mail with proof of delivery have not been verified within 30 days of receiving in accordance with s.1629e ( 8 ) of the debt collection practices act and the FCRA 30 day response deadline. 

Below there are 3 separate photos providing proof of sent disputes to Transunion on XX/XX/XXXX
Consumer complaint received 2018-04-24
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. (FL)

I SENT THE ALLEGED CREDITOR A LETTER TO ALLOW ME TO VILODATE THE INFORMATION REPORTING ON MY CREDIT REPORT BOTH THE ORIGINAL CREDITOR XXXX XXXX XXXX AND THE COLLECTION COMPANY FAILED TO PROVIDE ME WITH SUFFICENT PROOF OF THE ALLEGED ALLIGATIONS. THE LETTER THAT WAS SENT IS NOT PROF OF THE ALLEGED REPORTING INFORMATION. I CONTACTED THE CREDIT REPORTING COMPSNIES AND ALSO PROVIDED THEM WITH THE INSUFFIENT INFORMATION THAT WAS SENT TO ME. BUT YET THE CREDIT REPORTING AGENCIES CONTINUE TO VIOLATE MY CREDIT RIGHTS SAYING THE INFORMATION WAS VERIFIED, BUT YET THE CREDITOR OR THE COLLECTION COMPANY COULD NOT SEND ME OR PROVIDED ME WITH WHAT WAS REQUESTED IN MY LETTER OF VALIDATION. THIS RESPONSE ID NOT ACCEPTABLE NOR IS IT PROPER VALIDATION
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: KeyBridge Medical Revenue Management (OH)

I filled out forms from the hospital on my medical bills because of my low income and they told me that I qualified for the help and that my bills would come off my credit report and they haven't!!! I am also charged with people checking my credit score and I have no knowledge of giving anyone permission to check my score and I haven't applied for any loans but everytime I turn around my credit score drops because someone has checked on my score for some reason and my score keeps dropping!!! This is absurded!! And I want it stopped and my score straightened out!!!!
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Ever since XXXX had a breach of their system they started reporting information on my account that is not true or not appropriate with my business of " XXXX XXXX ''. 

I have no delinquent accounts. 

More important is the report of excessive inquiries for credit. My business requires me to purchase supplies and residential properties, therefore it is only prudent to open accounts with vendors that offer zero interest for 6 months when purchasing several thousand dollars worth of supplies. " Balance to Ratio of Credit limit on revolving accounts '' This is only short term account until the remodel is completed and then paid off with the sale of the property. Also, when " XXXX XXXX '' looking for the best interest rate when purchasing properties is prudent and " Excessive Inquiries in the last 12 months '' is not appropriate. I thought " Like '' inquiries only counted as one inquiry such as purchasing a car, when looking you may go to several dealers to get the best price and each will apply for credit. That should not count as several inquiries.
Consumer complaint received 2018-12-11
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. (TX)

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-12-11
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. (TX)

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. ( Original Creditor : ) XXXX, ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX
Consumer complaint received 2018-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CA)

XX/XX/XXXX I was called by XXXX XXXX and informed that money was owed by me and I had very little time to pay it back or be forced out of school. When I inquired about the money or why I was being charged the once helpful demeanor was met with standoffish and unhelpful from everyone involved. I was no longer being provided with answers when I asked questions and it became very clear due to fear of legal repercussions they weren't going to inform me of anything aside from the money owed. Furthermore, due to XXXX XXXX XXXX habit of charging per semester instead of per class ( there are three or four classes per semester ) I was trapped inside a semester I couldn't pay for. My understanding was that, I owed money for an undisclosed reason and couldn't continue going to school however I was still pushed into the following semester. I felt I was trapped, as so the school could continue to charge me. 
I faced an emergency and when I asked my instructor he looked at me lost and said he didn't know. I went back and forth between him and administrator as they argued to see who would be responsible for my absence. 
Skipping to this year. In XX/XX/XXXX I was contacted by debt collection agency who informed me of a XXXX dollar owed to the university. My understanding is : the money that the University is claiming I owe, is coming from the money they had to refund back to the government, and to themselves ( They offered me a scholarship ). I'm being asked to pay for services I was never given. The school itself claims the original sum -- which forced me out -- from a class I was to retake. Unless my memory is faulty the emergency that resulted in a missed class I spoke with admin and brought along hospital papers to prove my stay in the emergency room. The other incident I can recall that may have forced me to retake a class mentioned above and I thought excused. I can not recall any other time I would have needed to retake a class that would require a retake fee prior to XX/XX/XXXX/XX/XX/XXXX. There was also never any mention when I spoke to admin that I would be charged during these events as far as I can recall. 
In closing, I spoke with the debt collection agency XXXX XXXX XXXX and asked them to provide paper work ( bill, account summary, paper work, etc. ) to show to legal console for advice on this matter. The paper work I received from XXXX XXXX XXXX states account balance of XXXX dollars, to make sure it wasn't an error on their part I reached out to XXXX  XXXX  and got a Student Account Summary and can confirm Acct. Balance and Category Balance is XXXX. Before ceasing all phone communication ( in writing from now on ) with XXXX XXXX XXXX. I asked them if they had a contract or agreement stating that I would be responsible for this charge and was met with a " XXXX XXXX  has provided me with information regarding your case and no. I can not say. ''
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Opened an checkings account with XXXX  on XX/XX/18. Afterwards I noticed I couldn't enroll on the online banking website, so I immediately contacted XXXX. XXXX  told me that I needed to speak to my personal banker because they said it was a block on my account to keep me from enrolling on online banking. I talked to my personal banker on XX/XX/18 and he told me that a company called XXXX XXXX XXXX  said they have me for check fraud and that XXXX  were going to enclosed my checkings account. Let me also add that I've never ever heard of this company nor have I ever did business with this company. My banker gave me the number to contact them. I contacted them and they told me I have check fraud with Bank of America on XX/XX/2018. Please help me. I've never been in a situation like this before and I feel like someone's trying to steal my identity.
Consumer complaint received 2018-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

Transworld Systems has placed a collection on my report in the amount of {$300.00} for a medical debt which is not valid but also violates my HIPPA laws as I have never signed a contract with them or given them access to my medical records. This is the THIRD time they have done this and I am taking legal action. I do not have any knowledge of this alleged debt nor have I ever received services from Transworld Systems. I have disputed the validity of this debt as well as questioned if they are authorized to collect this alleged debt. This alleged debt that has never been validated has caused irreparable harm to my credit and credit score. I will be following up with more letters to the credit bureaus and to the company after seeking legal representation for violating HIPPA laws.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Conduent Incorporated (VA)

I received a debit credit card without my consent. It has my name on the card with a full account number. Documents state that whatever information I provide theyre allowed to use, social security number, payment history, account transactions, etc. when I call the customer service number to cancel and find out how I received this card it immediately asks for my social security number which I wont give in order to activate the card. I can not speak to a live person and theres no way for me to cancel or find out how I received this card in the first place.
Consumer complaint received 2018-12-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TN)

Consolidated my loans, ALL of them but they excluded one which they claim was not included but have repeatedly ask them to review as I believe it was included. While I was current on my consolidated payments when these problems began, they continued to contact 3rd parties - did not verify who they were talking to.. one 3rd party said he was me and they discussed the loan in detail with that 3rd party who then forwarded that information to me.

Served them with a Cease & Desist which is ON FILE on my account. As soon as they received it, my Account rep started calling me and leaving me voice mails saying they didn't receive any letter from me, but I had not contacted them period or communicated that to them in any other fashion.

They continue to contact 3rd parties, harass. 
here is the verbiage of the letter that I have sent them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN. XXXX Navient XXXX XXXX   XXXX XXXX, PA XXXX XX/XX/XXXX CEASE & DESIST Under my federally protected rights that include the Consumer Financial Protection Act of XXXX ( CFPA ), 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its implementing regulation, Regulation V, 12 C.F.R. part 1022 ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, in addition to my rights under the Telephone Consumer Protection Act 47 U.S.C. 227.

I hereby officially notify your agency to CEASE & DESIST with ALL CALLS to ANY AND ALL PARTIES not specifically authorized by me in writing and may only utilize my email, account inbox and/or US MAIL to communicate any concern in writing.

You may REASONABLY communicate with me in WRITING only! 
I am aware of the numerous CLASS ACTIONS against your organization I will be joining those actions, or filing my own action and/or complaints with appropriate agencies. 
This will additionally show yet another attempt at mitigating the damages for the above cited concerns. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-12-11
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. (SC)

I have disputed the student loan account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
Consumer complaint received 2018-12-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my XXXX   XXXX, XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2018-12-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my XXXX   XXXX, XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2023-03-30
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. (OH)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX has violated my rights. 15 U.S.c 1681 section 602 A. States I have a 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 2018-04-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates (KY)

I received a letter from Mitchell Bluhm Law regarding a bill for my adult son stating it was an older bill from XX/XX/XXXX with a balance of {$170.00}. I contacted MBA Law and set up payments with my debit card. After they have my card information, the next letter I get states the date of service was in fact not form XX/XX/XXXX, but from XX/XX/XXXX. The letter was dated XX/XX/XXXX. NO account is going to go to collections in 4 weeks time. They had already taken payments out of my bank account with the impression that this was an old bill, not a bill from 4 weeks ago.. and my son was not in the hospital on that date. So I called MBA on XX/XX/XXXX twice and left 2 messages questioning this, and asking for a call back. I emailed 2 people asking them to stop the payments ( they told me on initial contact that I could request to hold payments ). I got ZERO response from either contact. So I called again on XX/XX/XXXX, XX/XX/XXXX. So on XX/XX/XXXX I contacted my bank and told them what had happened. My bank reversed the charges and put a request in to MBA for contact. The next thing I get is a notice that they have reported me to the credit bureaus. Without even acknowledging my requests for clarification of a debt that say I owe for my adult, XXXX son who is also on XXXX. Yesterday, XX/XX/XXXX I called MBA again and left 2 messages. I got no returned call. Today I have emailed them twice, no return messages. But yet they want my money and can not validate a debt.
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (MD)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-06-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (TX)

The debit in question is from XXXX XXXX XXXX XXXX XXXX where a Doctor has used two different company names under which to collect a debit twice. The doctor XXXX XXXX has used both XXXX XXXX XXXX and XXXX XXXX group to collect on the same debit twice. So therefore he got paid by the collectors twice and then turned my information in to two different agencies to be collected on twice. The agencies are Phoenix Financial XXXX # XXXX and XXXX XXXX XXXX # XXXX The date in question is XX/XX/XXXX. I was never send a bill for this and I had XXXX XXXX insurance coverage, which if I would have gotten a bill from the hospital or doctor in question I would have paid it. This has ruined my credit and I have had a flawless credit prior to this. I have paid numerous other medical bills in my past with no issues such as this. After researching this extensively, This doctor is being fraudulent and unethical by trying to get paid twice for a situation that I have zero proof of initial billing from him. The collections were filed XX/XX/XXXX which is unheard of and Tactic to further damage my credit during one of the hardest times we are facing as a country. Ironically he attached this to my credit the same day as my credit was pulled for a mortgage further damaging my credit. My credit was pulled on XX/XX/XXXX and this was attached on XX/XX/XXXX. These companies are reporting this every 30 days without ever attempting to notify me each 30 days. This has effected my score from a XXXX to a XXXX because of this blatant misuse of debit collections.
Consumer complaint received 2018-04-11
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. (AZ)

I am attempting to purchase a home. My name changed after my divorce and XXXX XXXX and XXXX  were able to release my report to my mortgage broker, but Equifax is refusing to release my report, even after multiple calls and attempted faxes, multiple emails and submission of five forms of identification to a customer service rep, including my birth cert, drivers license, social security card, divorce decree, and a bill coming to my current address in my current name. 
Two days ago, I got an email stating that my case was closed, but they are still refusing to update my information or release my information to my mortgage broker. I may lose the purchase of this house due to their refusal to acknowledge my identification.
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (FL)

I called Equifax on XX/XX/XXXX and informed the agent that the following inquiries were made without my consent or authorization. The agent refused to listen to my concern or resolve the issue. I am requesting the removal of the following unauthorized inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX