davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

I received a debt collection notice from XXXX XXXX XXXX for {$82.00} from XXXX TX XXXX XXXX on XX/XX/XXXX. I sent a certified letter requesting validation of the debt. on XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that they had conducted a complete investigation and the account has been cancelled per clients request and that they ceased collection of the account. 

Later if XX/XX/XXXX I received a letter from Phoenix Financial Services requesting payment of {$82.00} for services rendered at XXXX TX XXXX XXXX. I called and spoke to the representative and explained the same debt in question from XXXX. The representative requested that I send them a copy of the letter closing the account from XXXX XXXX to : XXXX which I did on XX/XX/XXXX.

Phoenix Financial services called me today ( XX/XX/XXXX )  and asked me to pay {$82.00} I told them about the situation and they told me that they would report this to my credit for refusal to pay and that they would not verify the debt and that their word was verification enough and hung up on me. 

I do not have a physical copy of the Phoenix Financial Services letter but their information is below XXXX Phoenix Financial Services XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2021-05-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LOBEL FINANCIAL CORPORATION (FL)

I checked my credit reports and saw an account for Lobel for an auto repossession. The account is very old and i can not afford to pay for the total amount. I would like to settle for {$1000.00}. They call me monthly and i have told them to stop calling. they are violating the XXXX
Consumer complaint received 2020-01-31
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. (PA)

I was injured 5 years ago at work and am now XXXX and unable to work. I have worked very hard to settle my accounts since my credit was in good standing with all my creditors before my injury and I will be honest the collection agency 's lie because I asked all for payment for delete and all of them told me they could never do that which is untrue. I sent you a letter about Experian they are impossible, all my accounts I did pay in full ( PIF ) are Still not updated showing a balance which hurts my score, not to mention the ones I settled. XXXX  XXXX account ending in XXXX was sold to XXXX and I worked an agreement to settle this account for a paid in full update to my reports. I should have a XXXX balance and this is not the case I am showing a balance still and even told in a letter by XXXX XXXX that I can pay the rest anytime which is the exact opposite of my agreement because the account should be closed with a XXXX balance and updated SETTLED _PAID IN FULL which was our agreement just like the 12 other accounts I paid. Well that didn't happen as a matter of fact instead of a XXXX balance or no balance XXXX  XXXX just subtracted what I paid and put that on my credit report and then blamed YOU and your laws for them not being fair after I kept my part of the agreement. If I had known this I would have kept my XXXX dollars I mean what would be the point of paying the amount and not having it show settle paid in full ( with XXXX balance or doing a paid for delete? ( They told me a paid for delete was not allowed that is a lie there is no such law. I would like this looked into I feel I am being lied to and the agreement I entered is not being held up on there end.
Consumer complaint received 2018-12-05
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 — Problem with personal statement of dispute
Company: Sarma (VA)

SARMA NCS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This company has placed a hard inquiry on my credit report. I do not know who this company is and have never applied for credit with them. 

DISPUTE : Per the instructions of the credit bureau, I filed a disputer DISPUTE RESPONSE : I have been informed by all 3 credit bureaus that the item reported on my credit report was reported to them by Sarma and that I must contact Sarma for removal. 

SARMA RESPONSE I contacted Sarma, who has told me that they are not a credit bureau and that I need to dispute this with the credit bureaus. I wrote Sarma a second letter attaching a copy of what I was told from the credit bureaus. Sarma responded to me stating that I must contact the credit bureaus for removal. 

FAILURE TO PROVIDE INFORMATION : I have requested from Sarma information regarding the application they are saying I submitted for credit. They have refused to comply and direct me back to the credit bureaus.
Consumer complaint received 2018-12-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WI)

I MISSED A PAYMENT ON ONE OF MY ACCOUNTS. I DIDNT REALIZE IT UNTIL I RECEIVE A NOTICE THAT MY CREDIT SCORE HAD DROPPED. I CALLED THE COMPANY AND IT CHECKED OUT THAT I HAD MISSED A PAYMENT. MY OVER SIGHT I GET IT. MY COMPLAINT IS I HAVE A 99 % PAYMENT HISTORY THAT SHOULD HAVE BEEN A 100 UNTIL NOW AND THEY DROPPED MY CREDIT XXXX POINTS. XXXX AND EQUIFAX BOTH. FROM XXXX TO XXXX FROM XXXX AND XXXX TO XXXX FROM EQUIFAX. THEY BOTH DROP YOUR SCORE THAN RECOMMEND THEIR SERVICES OR COMPLANIES THEY PARTNER WITH TO BRING THEN BACK UP. MY COMPLAINT IS THESE COMPANIES ARE NOT FAIR. THERE IS NO WAY MY SCORE SHOULD HAVE DROP XXXX POINTS FOR ONE MISSED PAYMENT AND THIS IS NOT THE FIRST COMPLAINT IVE FILE AGAINST THESE COMPANYS FOR UNFAIR REPORTING.
Consumer complaint received 2022-05-04
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. (NY)

( XXXX XXXX XXXX ACCOUNT # XXXX ) and ( XXXXXXXX XXXX XXXXXXXX, # XXXX ) broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, TransUnion, XXXX who are furnishing inaccurate and unverified information on my consumer report. 

Proof of inaccuracies is attached example date opened ( XX/XX/XXXX ) on ( TransUnion ) but on ( XXXX it XX/XX/XXXX ) date last active ( XX/XX/XXXX ) on ( TransUnion ) but on ( XXXX it XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, TransUnion, or XXXX the permission to furnish this report I demand that they delete this account from my consumer report. 

in accordance with the fair credit reporting act convergent ( ( XXXX XXXX XXXXXXXX, ACCOUNT # XXXX ) and ( XXXXXXXX XXXX XXXXXXXX, # XXXX ), have violated my rights. 

15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-01-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

Transworld Systems has violated the Fair Credit Reporting Act and has reverted to extortion practices in an attempt to threaten me into making a payment. 


Manager XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2018-12-05
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: Convergent Resources, Inc. (FL)

There is an account now reporting with XXXX XXXX for a XXXX account showing that it opened in XX/XX/2018 and this is an aged account. There has been no service with XXXX in over 7 years. For whatever reason it keeps getting passed around and then reports new but the initial collections occurred over 7 years ago. This should not be listed.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SD)

I just want to say that I was unable to access all three of my reports due to technical difficulties and not being clear on how to navigate back to annual credit report.com to view the other reports. This needs to be fixed and repaired. Now my only option if I want to see the other two credit reports is to pay for them? How is this a government safety net that I get free credit report if I dont understand how to navigate back to be able to see them all? Guess I have to pay for them now? NOT FAIR!  Terrible terrible & awful website navigation icons/directions. 

So what do I do now? Im buying a house and I need to be able to look at all three of my credit reports and now I am unable to because they say Ive already gotten it for the year. However as I explained above I was unable to navigate back and look at the other two reports. Also Equifax said that they were unable to provide my credit report online that I would have to mail away for it.So how  my supposed to repair my credit or check it if Im unable to see it? I have to qualify for a loan in 30 days I cant wait for Equifax to mail me a report, if they get around to it, and I dont want to have to pay for it because I am entitled to a free credit report from all three bureaus which I did not receive. I received one from XXXX. I need my credit reports. please get back to me XXXX or email me at XXXX thank you
Consumer complaint received 2017-09-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (CA)

This is RPM? RECEIVABLES PERFORMANCE MANAGEMENT , LLC They are running a scam. I have no outstanding debts, my credit report is clean, I never recieved a letter, they wo n't tell me what they are calling for, hang up more than 50 % of the time, try to verify information before telling who they are or what they want, hang up if you do n't comply. There are hundreds of reports of the same behavior online, why are these people not in jail yet?!
Consumer complaint received 2022-05-04
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. (PA)

I have some accounts on my credit report that is a result of identity theft I've disputed it and also sent in my FTC identity theft report to let them know and they didn't even give me any results or investigate the account correctly
Consumer complaint received 2018-12-05
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. (GA)

XX/XX/2018 I contacted TransUnion via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.
Consumer complaint received 2018-12-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I borrowed money from cashnetUSA on XX/XX/XXXX the amount of {$400.00} and another {$600.00} on XX/XX/XXXX. On or about first week of XXXX I paid the amount of {$100.00}, then after 2 weeks, I paid {$200.00}, then after a week I paid XXXX, then paid another {$300.00} sometime second week of XXXX thinking it will reduce my principal. I was informed that my balance is still {$820.00} after paying {$670.00} in the span of 2 weeks. Exorbitant fees and charges I was not informed let alone agreed on the charges and fees which is incredibly usurious. The company is a corporate vulture preying on vulnerable people like me poor and ignorant. The government should protect me/us against this usurious company.
Consumer complaint received 2018-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (FL)

There is a collections reporting on my credit file with Amiericollect Inc. This was for a hospital debt that was covered by XXXX. I contacted them directly and they told me I had to contact the hospital and when I did the hospital confirmed it should have been covered under the XXXX. I contacted the collection agency and sent the documentation after getting the run around from the hospital and the collection agency they told me that it was too late that the account was over 6 months old. I started fighting this as soon as I was made aware of the debt which was XX/XX/XXXX of this year.
Consumer complaint received 2018-12-05
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. (GA)

XX/XX/2018 I contacted Experian via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.
Consumer complaint received 2022-05-04
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXt with a balance of {$23000.00}, XXXX XXXX XXXX with balances of {$240.00} and {$320.00}, and lastly XXXX XXXX XXXX with a balance of {$890.00} 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 an account without my written instructions.
Consumer complaint received 2018-12-05
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. (NY)

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws:15 USC 1681623 ( a ) of FCRA/FACTA , I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 

VIOLATIONS OF CREDITORS & EXXXX : VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS  AND ACCOUNTS TO BE REMOVED : XXXX XXXX is reporting on TransUnion, XXXX, XXXX. Account # XXXX It is reporting as a Collection/Chargeoff High Balance is reporting as {$6500.00} and in another report it is saying {$11000.00}. 

I HAVE NO ACCOUNT OR INFORMATION AND OR KNOWLEDGE OF THIS ACCOUNT HAVING THE RIGHT TO REPORT ITSELF ON MY CREDIT REPORT! PLEASE REMOVE IT OFF MY REPORT. 

XXXX XXXX is reporting on TransUnion, XXXX, XXXX. Account # XXXX It is reporting as a Collection/Charge High Balance is reporting as {$11000.00} and in another report, it is reporting as {$6500.00}. 

I HAVE NO ACCOUNT OR INFORMATION AND OR KNOWLEDGE OF THIS ACCOUNT HAVING THE RIGHT TO REPORT ITSELF ON MY CREDIT REPORT! PLEASE REMOVE IT OFF MY REPORT
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (NV)

Called to try to set up a payment arrangement to help pay off a debt on my credit report, I paid {$100.00} to start the payment arrangement. Was told I needed to pay full balance by the XXXX of XXXX otherwise they wouldnt delete it off my credit. Was harassed and they were trying to force me to pay the full amount. Saying if I dont they will not take it off my credit at all. Continued to Harass me and when I mention going to court they hung up on me. I didnt get a confirmation number for my {$100.00} payment all they gave me was their names, XXXX and XXXX
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2020 I paid off my credit card with Bank of American in the amount of {$19000.00}. On XX/XX/2020 I noticed that they had taken the payment out of my bank account twice. I immediately called them. I was told that it would take 2 - 5 days to get the funds returned to my account. I waited until yesterday XX/XX/2020 to call them back to find out why the funds haven't been returned to my bank account. The woman I spoke to said that it would be back in my account yesterday or today. The money hasn't been returned as of today XX/XX/2020. I called again today and now they are telling me it will be XX/XX/2020 when I will get my funds back. This is wrong! They literally stole {$19000.00} from me and won't give it back. I would like them to pay me back the interest they would have charged me had I owed them that money.
Consumer complaint received 2018-04-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I call on XX/XX/XXXX and discussed over the phone why my XXXX Student Loans were removed. The customer service rep in conjunction with the Management team explained that it's an " internal company policy '' to remove Students Loans when they are " paid off ''. I explained to them that my XXXX   report is ONLY showing " Paid Off in Full '' due to XXXX. I also ask them to provide a letter stating what the " internal company policy '' is and they denied. Now, my Experian credit report in not only -77 points but also its not showing in my Experian Report History ( I had been paying my Student Loans since XX/XX/XXXX ) and this is affecting my credit report in many ways. 
Here is the report number with the notifications showing that my XXXX Student Loan has removed. 
Prepared for XXXX XXXX XXXX XXXX Personal & Confidential Date Generated XX/XX/XXXX Report Number XXXX
Consumer complaint received 2021-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NC)

This company has reported this debt as being owed to the credit bureaus. I have never had an account with this XXXX company. There was another company that was reporting this same debt and I informed them that it was not my account and they removed it from my credit report. This current company has reported to XXXX THREE TIMES this month that money is owed and that is not true. I have not received any communication from this company AT ALL! Please remove this account from all of the credit bureaus ASAP.
Consumer complaint received 2020-01-31
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. (MI)

Equifax is reporting that my harley davidsion payment status is currently 30-90 days pass due and date of last payment is XX/XX/2019. 

I filed a dispute with them and transunion submitting proof in the form of my last statement from XXXX that it is current and date of last payment is incorrect as they are reporting it. 

XXXX  fixed the problem but Equifax refuses to fix it even after I personally called them and asked them to fix it. I am being refused a vehicle loan based alot on this error and I need it fixed. 

I can not see if XXXX  is reporting false information or not because I keep having problems trying to check it and file the dispute. 

I dont know why they wont fix it with me submitting the solid proof in written form to them or if XXXX XXXX keeps reporting false information but I would like it fixed or have XXXX removed from reporting on all three credit reports due to irrenious reporting per the FCRA and constinaly filing disputes. 

I worked hard to fix my credit so I can buy a home to retire in but this hassle with the credit reporting agencies is stopping me. 

Please help me fix this XXXX XXXX reporting problem if not at least fix eqifax to report it correctly. 

I currently only have my statement from XX/XX/XXXX showing XX/XX/XXXX being paid on time. XXXX has not issued my statement showing XX/XX/XXXX payment on time but you can call and verify that it was paid on the due date of XX/XX/XXXX. 

Thank you