davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Transunion XXXX. XXXX XXXX  XXXX, PA XXXX XXXX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX  ) 2. ( XXXX  XXXX  ) 3. ( XXXX XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Consumer complaint received 2020-09-11
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. (KY)

Canceled an XXXX XXXX XXXX cellular account years ago and XXXX XXXX XXXX never closed the account then when they did they tried to charge me
Consumer complaint received 2017-09-22
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. (KY)

Filed ChXXXX bankruptcy in XX/XX/XXXX, included was XXXX XXXX XXXX XXXX XXXX XXXX, KY. My ChXXXX was completed and the federal court discharged the bankruptcy in XX/XX/XXXX. Over the last two years since the discharge, XXXX XXXX XXXX has continue to disobey federal bankruptcy laws and continue to change information at the their bank without my knowing to report to the credit bureau showing that the bank was n't included in the bankruptcy or to change dates, amounts and terms to hinder my credit. They have currently reported ( XX/XX/XXXX ) to credit bureau a new duplicate account showing that the original account is active since the actual discharge date of the bankruptcy I 've talked to many employees at the bank over the years, I 've even hand delivered bankruptcy papers and talked to mangers at the bank but they continue to report false information to the credit bureau. This is a horrible situation that me and my family are dealing with, we cant get a home loan due to XXXX XXXX XXXX  reporting false information. I 'm worrying myself XXXX over this and even had to see a doctor about my XXXX. I hope that you all can help me and my family. Thank you.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I haven't received any supporting documents stating this alleged debt on my consumer report. Some of the accounts came back verified in investigation but with no explanation on how the debt came back verified. It is unlawful to keep these accounts on my consumer report if they are coming back unverifiable. Additionally, I have put in complaints to the XXXX to remove the accounts. The accounts say they notified the reporting agencies, but the inquiry is still on my consumer report.
Consumer complaint received 2020-07-28
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. (FL)

Due to possible inaccuracies in these CRA report, I must demand that the validation I herebly lawfully request be in form of a notarized statement by person with original knowledge of the debt as it was constituted and who can testify that debt was incurred legally product, was not subsequently disputed as result of returned, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address, rather, I am requesting validation, i.e., competent evidens that i had some contractual obligation sans consumer protection encumbrance which the original claims associated with this tradeline. 
Please know thet you have 30 days from the tracked and delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notation from the CRA reports.
Consumer complaint received 2022-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CT)

On XX/XX/XXXX, I received a call from a Comenity Bank representative stating my XXXX account payment was late and that I needed to pay them {$81.00}. I did not know what they were talking about because I had not used the card for a year. After they researched it they told me that I purchased a reward subscription from XXXX and that the charge was a little over {$21.00}. I had no idea what they were talking about. I was transferred to XXXX and they immediately reversed the charges because I did not agree to a subscription with them. The representative told me that the same charge was placed on my account in XX/XX/XXXX and that it was removed and should not have happened again however, in XX/XX/XXXX XXXX charged my account again. I telephoned Comenity Bank and told them of the reversal which they were able to immediately view. However, Comenity Bank refused to return the late charges from XXXX to now and they also reported me to all three credit bureaus. I have tried disputing it with them and the credit bureaus, but they are refusing to fix the issue and return XXXX points taken from my credit report. Please help me with this matter because it is not fair that I am being punished for a purchase that I did not make. Sadly Comenity Bank is aware that XXXX applies these reward subscription charges to unknowing, unsuspecting consumers and does nothing to quail this behavior. I know this because the representative who transferred me to XXXX told me so. It was not the first time that she has seen this and the fraud investigator stated the same thing.
Consumer complaint received 2020-07-28
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. (FL)

Due to possible inaccuracies in these CRA report, I must demand that the validation I herebly lawfully request be in form of a notarized statement by person with original knowledge of the debt as it was constituted and who can testify that debt was incurred legally product, was not subsequently disputed as result of returned, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address, rather, I am requesting validation, i.e., competent evidens that i had some contractual obligation sans consumer protection encumbrance which the original claims associated with this tradeline. 
Please know thet you have 30 days from the tracked and delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notation from the CRA reports.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (NH)

On XX/XX/XXXX I opened an account with us cellular which since went into collections. As of recently, the debt collector has been reporting the account as open, claiming it was opened on XX/XX/XXXX or around that date. I have been with XXXX XXXX since XXXX. 

I have disputed this account XXXX times as of today, XX/XX/XXXX, XXXX and XX/XX/XXXX. The debt collector is not easily reachable. They are illegally re-aging my account.
Consumer complaint received 2022-02-17
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. (DE)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX - XXXX - {$7900.00} DEPT OF EDUCATIONXXXX - Date opened XX/XX/XXXX DEPT OF EDXXXX - Date opened XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - Date opened XX/XX/XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the below mentioned account : Account # XXXX
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (MI)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-28
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. (IL)

XXXX XXXX keeps showing up on my credit report and its is fraud and a scam that is not my fault I already showed them my police report and FBI report also but still they have not taken it off my credit report XXXX XXXX ending in XXXX I would like this taken off my report asap
Consumer complaint received 2020-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2020-07-28
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)

THERE ARE SEVERAL ALLEGED COLLECTION, CHARGE OFF ACCOUNTS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623, IM DEMANDING THE REMOVAL OF THEM
Consumer complaint received 2020-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (CA)

XXXX Invoice was recoded and resubmitted to XXXX. Insurance covered 100 % of the invoice, no out of pocket payment. Radius is still reported this debt even though it's been communicated by XXXX that this debt/invoice was paid in full by insurance.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I would like the following information verified, and would like to know how it is verified to be accurate on my credit report. 

Bankruptcy - Discharged Chapter XXXX Reported XX/XX/2017 Reference # XXXX
Consumer complaint received 2023-04-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (NY)

I received a notification today XX/XX/17 from XXXX Credit Alert that my credit store had taken a big hit. Upon further investigation I found that a company called Credence Resource Management had put me in for collection for an amount of {$1300.00} with XXXX. I do not have and never have had an account with XXXX and this is complete fraud. I find this very interesting since this is the exact same issue, amount and vendor that I had last year while being pursued by XXXX XXXX which was later resolved. If you check my records you can see the complaint I filed on this also. 
This is just another scam and it would not surprise me if both these companies/ XXXX XXXX XXXX are in collusion to commit fraud on as many unsuspecting individuals as they can. So far this is only showing up on XXXX, not XXXX or XXXX I need this resolved asap and hopefully you will take the appropriate action against these scammers Credence
Consumer complaint received 2022-06-14
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. (TN)

I've tried several times to get these unauthorized hard inquiries removed from my report. I've been told by Equifax to contact the companies ( which I've done as well ) I have even tried calling to speak with someone about this and still nothing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-09-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (MI)

XXXX XXXX has reported a vehicle loan as charged off to the credit bureaus. Currently we are in the process of obtaining a mortgage and the underwriters require that we obtain a letter from XXXX XXXX regarding this loan that states the loan was charged off. We have contact XXXX XXXX several times to request this letter and they refuse to supply a letter. We were told they would not send a letter and that it would need to be obtained via the credit bureau. The credit bureau is simply reported the information provided to them by the original creditor, XXXX XXXX. The document must come from XXXX XXXX, however they have been rude, condescending and uncooperative. We were told at one time the letter would be faxed on Monday, XXXX XXXX, XXXX but this never happened. When contacted again, they would not say why it was not sent and refused to send one. Not only the purchase of our home is waiting on this letter, but the seller can not proceed with their purchase and the seller 's seller can not move forward to close on their home until this has been obtained. XXXX XXXX XXXX XXXX, XXXX XXXX stated they do not send letters several times. Then in her next statement she indicated that they had already sent a letter when the loan was written off. When asked to resend the letter she mentioned, she stated " we do n't resend letters. '' We have spoken to several representatives including XXXX, XXXX, XXXX, XXXX and XXXX to mention just a few. Our son called to try to get information and was given information about our account even though they claim they had no release. If the indeed had no release, they are breaking privacy laws by even acknowledging the existence of the account. Yet, we continue to be vilified because of a past credit issue/mistake that was outside of our control at the time. All we have asked is for a simple letter that states the account was charged off and the date it was charged off so we and several others may move forward with our home purchase.
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (CA)

Hi I am submitting this XXXX XXXX without 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 n i made this clear for 60 days straight with XXXX  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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2018-03-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

My loans were recently transferred from my original loan service company to a new company called XXXX XXXX. I wanted to pay off my loans completely because they have horrible customer service and they instituted fee 's for making extra payments even from my bank account. I tried to pay off my entire balance, but they refused to allow it and stated they have a $ XXXX/day limit. I asked the service representative to provide me a way to pay off the entire balance without having to wait additional days and pay fees for each extra payment. They told me there was no choice but to make multiple payments over multiple days and incur the additional fees and additional interest that would result. This seems highly inappropriate and outside the norm compared to my experience with other student loan service companies.
Consumer complaint received 2022-02-17
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. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2021-11-08
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. (TX)

I had 5 mortgage accounts with XXXX XXXX XXXX XXXX XXXX Loan XXXX, XXXX, XXXX, XXXX. On XX/XX/21 they transferred the loans to XXXX XXXX XXXX XXXX. Now on my credit report I am having the same accounts reporting twice. They are duplicate and it lowered my XXXX XXXX more than XXXX points. I reported this to XXXX XXXX XXXX XXXX XXXX Servicing Department XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX ( Toll Free ). I reported this to XXXX XXXX at XXXX and XXXX Servicing at XXXX on XX/XX/21 but they have not fixed the issue. They are knowingly reporting data incorrectly. Additionally I have filed disputes with Experian, XXXX XXXX and XXXX but they reports are still showing incorrectly.
Consumer complaint received 2021-02-12
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. (GA)

I was never late on the following accounts : XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX  XXXX  # XXXX Please provide method of verification with physical proof. As I was never late on these accounts.