davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I wanted to reach out regarding the following violations posted to my credit report 15 USC 1681 a ( 2 ) ( B ) Exclusion from a consumer report 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information 15 U.S. Code 1681b - Permissible purposes of consumer reports I am doing my due diligence to restore my credit after one of the most toughest times in world history. As a consumer these are a violation of my rights. I am demanding that the following account be removed immediately. Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount {$430.00} XXXX XXXX XXXX XXXX  XXXX Amount {$420.00}
Consumer complaint received 2018-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (GA)

I recently received a notice alert from the credit bureaus that a collection was added to my credit report. I called Midwest Recovery and they informed me it was for a repossessed car, the issue is i have never had a vehicle repossessed or a collection before. They informed me that this was from a loan with XXXX opened on XX/XX/XXXX and closed XX/XX/XXXX, a few issues with this 1. Never mine and this was a result of ID theft i have attached the FTC affidavit and Police report 2. This was reported to credit but i was never given a notice or dunning letter to dispute before placing on credit. 3. If this debt is in fact a valid debt this is past statute of limitations of 6 years from last payment date again making not a valid account for collections.
Consumer complaint received 2022-06-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I applied for forebarence due to covid and the payments per our agreement were to be put back of the mortgage so I would not have any issues when it was over. I have been sent bills for XXXX needingg to pay ASAP. I have even tried with attorney and not help what so ever. I am reaching out to get the help I need. I have also had a friend who did that and FHA came in an paid her forbarence Previous mortgage company is XXXX and current is Carrington
Consumer complaint received 2023-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

In XX/XX/XXXX, I disputed two accounts listed by XXXX XXXX on my XXXX and XXXX credit reports per they do not belong to me. I previously disputed these accounts on my XXXX credit report, and they were removed per they do not belong to me and could not be verified. After my dispute with XXXX in XX/XX/XXXX, these accounts were removed. Since these account were returned to me as verified after my dispute with XXXX in XX/XX/XXXX, I mailed a certified letter ( which I have attached ) on XX/XX/XXXX disputing the items directly with Resurgent Capital as allowed by the FCRA 623 ( a ) ( 8 ) ( E ). As of today, I have not received a response from XXXX XXXX.
Consumer complaint received 2022-06-10
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. (FL)

Experian keeps violating my rights by keeping an account named : XXXX XXXX on my credit report which is inaccurate account showing 2 different accounts number and terms and they keep saying the account its verified by creditor when its a lie I will be providing bellow the proof that the account has errors and should be deleted immediately and permanently by law
Consumer complaint received 2020-07-24
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. (NJ)

Upon checking my Equifax credit report just recently, XXXX   account # XXXX is incorrectly reporting my accounts as past due. First and foremost we're in the middle of a pandemic and they shouldn't be reporting at all. Secondly according to my Equifax report both the accounts are listed as an " open account '' with a closed status, which is contradictory. Last a definitely not least, in the comments/remarks section of the report they've listed this as an account in collections. I know my rights, and I fully understand that any account presenting itself as a collections account shouldn't show any type of past due balance so this account needs to be deleted from my Equifax report due to multiple false reports and statue of limitations. Ive tried disputing this account with the company already and they'e done nothing but update the accounts to show more inaccuracies. There are 2 accounts under the same account number and they both need to be removed IMMEDIATELY.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (ID)

Part 3 of complaints with Wells Fargo. I had to call the " executive office '' today to find out why there was a failure a second time to contact me with a solution to the mistakes made by Wells Fargo. The first thing I'm told this time is they wanted to get to a resolution on XX/XX/XXXX. This is the third time they failed to rectify some serious mistakes they have made and refused to contact me regarding such. I was assigned a new agent and again, " they are not available. '' This is a continuous pattern of intentional neglect of consumer rights and banking policy. They refuse to work with customers and refuse to work within policies.
Consumer complaint received 2019-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sa-Vit Enterprises, Inc. (NJ)

There is a collection in the amount of XXXX from XXXX XXXX XXXX under sa-bit ent inc. This has been on my XXXX  report for 3 years and should be removed as it was removed from XXXX. Over the limit to appear on report
Consumer complaint received 2018-04-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MI)

To Whom it may concern : From XX/XX/2017 through XXXX XXXX I was on Medical Leave through FMLA, I was receiving sick pay I had accumulated over the 25 years I had been teaching for a public school system. My doctor would not release me to return to my job as a teacher so, I had to resign. When you are on FMLA you CAN NOT APPLY or INTERVIEW for other jobs. I had to wait for legal documentation my resignation was accepted. I knew once my money ran out we would have to live on one income. I called each of my creditors and sent a note to each of them through my online account. Which I kept copies of. I was told by some they would wok with me. When I started my job I had to go through job training. I was NOT PAID. I did not start receiving income until XX/XX/XXXX for which I paid our house note and took care of basics. I told them once I could make payments again I would go on line and do so ( The third week of XX/XX/XXXX ). From XX/XX/XXXX to present I have received phone calls CONSTANTLY at home on my land line, personal cell phone and my work phone. I am still within my 90 days, and the new company is a fire at will employer. If I keep getting phone calls at work I won't have a job to pay any debt. I was told I needed to call weekly to update, by people who can not understand or speak English. If you add up the weekly calls per creditor, it's a work day, that is just a repeat of the same exact information repeated. It takes an hour per call. If I don't get paid until the end of XX/XX/XXXX, a weekly call in XX/XX/XXXX and XX/XX/XXXX isn't going to change me getting money to pay. I DID NOT chose to not pay my bills. I am not paying on purpose. I CAN'T! I followed what the State of Michigan told me to do and how to handle my debt. I offered copies of the FMLA papers, and my resignation acceptance to prove I am not lying. They did not want the information. I have also had some of the people want my FULL Social Security Number or Credit Card Number, and Birthdate. I hang up. Why do you ask for information you already have on a screen in front of you?
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a Bank of America unlimited cash rewards credit card. I am unable to use it after the transaction got declined. I received no fraud alert. I called when I logged into the app. The representative said they couldnt help me and hung up. 

I am traveling overseas. I opened this card. This is XXXX. I cant even make a payment on this card as it wont let me- the app is saying suspicious activity detected review them first.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

Equifax removed an account with XXXX & XXXX from my credit report as neither company has been able to validate this debt! Equifax then reinserted the negative information on my credit report on XX/XX/2021 without sending me CORRECT documentation as required by law 15 U.S.C sec 1681i! Nothing was supplied via the original creditor or Equifax! The violation here is the REINSERTION of the item!
Consumer complaint received 2022-08-12
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. (TX)

in accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-12
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. (TX)

in accordance with the Fair Credit Reporting actXXXX 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 2020-06-03
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)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2022-05-02
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. (FL)

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXX issued me XXXX which is taxable income but failed to update the consumer reporting agencies to remove this account because income can not be reported on a consumer report. Experian and XXXX are willfully neglectful. They understand that its against the law to report income on a credit report and they still chose to not abide by the law. Ive contacted them numerous times about this and they failed to remove the account. Per the FCRA Im entitled to a 100 % accurate report. If my report is inaccurate its {$1000.00} per violation. The proof is in the pudding and ive supplied evidence so the CFPB can take action. They are reporting inaccurate information and violating my rights.
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (CT)

Creditor -XXXX XXXX  Recent Balance - {$1300.00} Date opened -XX/XX/XXXXFirst Reported- XX/XX/XXXX Original Creditor - XXXX XXXX  The Debt was Charged Off, Sold to another creditor and now the new creditor is reporting the wrong balance on to my credit report. I would like for account to be removed concluding this investigation.
Consumer complaint received 2018-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (CA)

GC SERVICES LIMITED PARTNERSHIP is attempting to collect an alleged debt i requested verification of alleged debt and then still received phone calls have yet to receive confirmation that the claimed debt is cleared or any other communication other than phone calls which should not have been placed to me after verification request it appears that after XXXX  was unable to verify the debt with XXXX XXXX XXXX XXXX that XXXX XXXX XXXX XXXX  sold the debt to GC SERVICES LIMITED PARTNERSHIP
Consumer complaint received 2022-06-10
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now imXX/XX/XXXXXXXX cant provide to my XXXX XX/XX/XXXX daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.
Consumer complaint received 2022-06-10
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. (SC)

I have done a thorough look over my credit report and I do not recognize these inquiries as well as I do not have accounts with them : XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-16
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. (CA)

I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts Bankruptcy chapter XXXX-discharged XXXX
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

AN HSN CARD WAS OPEN IN MY NAME. I TOLD THE COMPANY I NEVER APPLIED FOR A CARD THEY WOULD NOT LISTEN TO THIS TO A COLLECTION AGENCY. I PURCHASED PRODUCTS USING MY DEBIT CARD OR SEND IN A CHECK MOSTLY. I DID NOT AUTHORIZED OR SIGNED FOR A CREDIT CARD NOR DID I USE THEIR CARD FOR PURCHASES. SOMEONE ELSE DID THIS I DID NOT AND IT WAS REPORTED TO CREDIT AGENCIES
Consumer complaint received 2018-04-10
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: Experian Information Solutions Inc. (CT)

I am writing to request several credit inquiries that were unauthorized be removed from my credit report. OnXX/XX/XXXX, I received a copy of my credit report and became aware of 18 inquiries that I did not authorize. They are as follows : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXXXX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXXXX/XX/XXXX 6. XXXX XXXX  XX/XX/XXXX 7. XXXX XXXX   XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9.XXXX XXXX ( 2 ) XX/XX/XXXX 10.XXXX   XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX ( 5 ) XX/XX/XXXX 13.XXXX XXXX XX/XX/XXXX14. XXXX XXXX XXXX  XX/XX/XXXX 15. XXXXXX/XX/XXXX16 XXXX XXXX XXXX XX/XX/XXXX 17. XXXX XXXXXX/XX/XXXX 18. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-04-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I began a vehicle loan with Credit Acceptance aroundXX/XX/XXXX. I have never missed or been late on a payment. At the start of my agreement, the dealership setup my account with Credit Acceptance for auto pay ; The dealer entered the incorrect account numbers. I called credit acceptance consistently for 1 week to find out why the money had not been withdrawn from my checking account. Once they advised that the payment was returned I paid immediately using my debit card. InXX/XX/XXXX Credit Acceptance upgraded their website with actual account holder information ( previously you could only make payments and it was done through XXXX XXXX  ). With their upgrade, when I went online to make my monthly payment, it shows my balance being almost {$1000.00}. I was shocked and outraged, when I called Credit Acceptance to inquire what was happening, the rep ( who was really nice ) advised me that my account has been reporting past due from the very first payment and that I have accumulated a multitude of late fees. After our conversation, I immediately checked my credit score and it was decreased by 150 points. I am outraged!
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (MD)

In XX/XX/XXXX my husband had the internet account and I had landline account. We moved addresses together and XXXX merged the accounts without our permission. When they did this an erroneous balance was created. XXXX claims I was making payments to the wrong account number ( which they had merged/changed without notifying me ), this was not true. I dealt with XXXX in XX/XX/XXXX after I received a collection notice and after HOURS of my life wasted chasing down tickets was told the issue was resolved. Imagine my surprise when 2 years later, in XX/XX/XXXX I received a collections notice stating I owed XXXX {$210.00} from XX/XX/XXXX. I have spent many hours creating a new ticket and trying to reconcile this. XX/XX/XXXX- 40 minutes with XXXX , being told ticket was pulled from collections and being investigated XX/XX/XXXX- 36 minutes with XXXX told ticket XXXX would take 2 more weeks to process and to call back on XX/XX/XXXX XX/XX/XXXX- no notification about any resolution, received call from collections agency. 
called and was on hold with XXXX for 20 minutes before being hung up on.

I need help please.
Consumer complaint received 2022-02-03
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. (NY)

When reviewing my consumer report I found that there is a late payment that should not be reporting to my consumer report. This late payment has hindered me from obtaining credit. As a consumer exercising my right, I demand that it be removed.
Consumer complaint received 2018-11-16
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. (CA)

I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts Bankruptcy chapter XXXX-discharged XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX