davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2023 I restarted Credit Monitoring with Trans Union. I discontinued the service about 2 months earlier because of chronic inability to sign in. I got no credit probably for months where I didn't engage the process but it would not have been available to me any way because of a problem. I called the Customer Service Line at XXXX first after what seemed to be a contact it followed with an immediate disconnection. Finally i Reached them after 54 minutes of effort. I believe I had been transferred outside the US and that is not a complaint except the background noise was such and the males accent so thick I couldn't understand him until several repetitions of the same question or ask him to repeat back his answer. Today I began trying again to resolve the problem at XXXX again the phone problems connect and immediate disconnect. Since then and perhaps coincidentally or by some other very unusual circumstance I have begun getting false invoices and orders. The person I spoke to had all my information including my Verifying questions. I can not reach any one at the company to help me. Id like to be helped or they refund an amount equal to time i was without service for their inefficiencies and my current term or better still that someone helps me solve the problem. Please help.
Consumer complaint received 2021-05-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In XX/XX/2021 I mailed out a dispute to the 3 major credit bureaus on their reporting on a few accounts that are closed.30 days later I have no response nor communication after mailing these letters out thru certified mail.The accounts involved in the dispute are reporting inaccurate payment history information and is hurting my good name and stopping me from advancing as a consumer holding me back from purchasing a new home and i believe such tactics is keeping my score below average.As you know payment history is about 35 percent of a score.The following accounts show errors made to accounts I was never late on and in fact balance was transferred to another account.There area couple violations if not corrected i will have to take actions necessary to correct.Under the FCRA negligence to do a proper investigation.Errors you will see in the attached documents are reporting a 30 day on time and go straight to a 90 day late or 30 day on time ok to 120 days late, one is reporting charge offs other account says on time.. How is that accuarate how is that correct.
Consumer complaint received 2020-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit bought the debt after XXXX XXXX charged off. They have filed a case even though i told them i never signed with them nor do I owe them. I have the charge off papers from the courts where XXXX XXXX credit card wrote of the debt. 
Now Midland credit opened a case and is threatening to garnish wages and take what little i do have for something not agreed upon with them
Consumer complaint received 2018-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC. (TX)

I was in a major accident and my vehicle was deemed a total loss. Ultimately the other driver was at fault and their insurance company paid out a large settlement to Exeter Finance. I also had Gap insurance which paid out and a refund should've been processed for the remainder of my extended warranty. This was not done resulting in me having a negative remark on my credit report.
Consumer complaint received 2017-05-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NY)

I do not have exact dates as this problem has been ongoing since    XXXX   XXXX   2016.  I am currently a   XXXX   XXXX  , unemployed, with a cosigner who is also  unemployed . My income is  XXXX  $ I am o n scholarship a nd   XXXX   at my   XXXX   XXXX   and have absolutely no way to make any sort of payments to Navient. I have been told numerous times by Navient there is a form online to fill out, which I have completed and sent back, only to be told that I must mail the document in. I have sent transcripts and asked for an explanation however, the responses I received were automated. I do not currently have a cell phone, I live abroad and rely solely upon wifi. Navient refuses to resolve my issue via secure emails and will not discuss the problem with my cosigner. My cosigner has attempted to talk with  Navient  as well, they assured her that my loans could be deferred  as I am a full time student  however they need to speak with me. This all could be easily resolved if my cosigner were allowed to speak on my behalf, yet apparently this is not an option. I am now receiving emails telling me it is nearly too late, I have logged onto my account, desperately tried to find a REAL person to email my issues to and have had no success. Each email I send is responded to with a computer generated message asking me to call instead. I am incredibly frustrated, I have never had a good experience with Navient and would like this resolved immediately so that I am not further into debt than I already am.
Consumer complaint received 2018-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Global Lending Services LLC (TX)

I was in a major accident and my vehicle was deemed a total loss. Ultimately the other driver was at fault and their insurance company paid out a large settlement to Global Lending Services. I also had Gap insurance which paid out and a refund should've been processed for the remainder of my extended warranty. This was not done resulting in me having a negative remark on my credit report.
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

Attached/enclosed is proof that Equifax is reporting XXXX items that are ten ( 10 ) years and six, ( 6 ) months old. Equifax has, on several occasions, failed to remove these XXXX XXXX XXXX XXXX accounts from my credit report. Equifax 's own report shows these accounts were closed XXXX and they still remain on my report. These accounts have been removed from ALL other Credit Reporting Bureaus. Proof that Equifax is reporting incorrectly.
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (FL)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from A R Resources o n  XXXX   XXXX ,   XXXX  . I am requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and hospital/medical provider to which I owe the debt, and a detailed breakdown of the fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability  Act { HIPAA }, to p rotect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical information to a third party.   I am aware that the   HIPAA does allow the release of limited information about me but anything more is only to be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization.
Please provide breakdown of fees includ  ing any collection costs and medical charges. Provide a copy of my identification used upon service and my signature with the provider of service to release my information to your company  AR Resources Cease any Credit Burea u reporting until this debt has been validated by me.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TRANSUNION SENT ME THE AFFIDAVIT THAT SO THAT I CAN GET THE INNACCURATE INFORMATION DELETED AND BLOKED FROM MY CREDIT REPORT AS A RESULT OF IDENTITY THEFT! 

I HAVE GOTTEN NO RESPONSE.
Consumer complaint received 2024-02-09
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

Beginning of last year I was taken to court by the company and was close to eviction. The full amount was paid off via rental assistance and I evacuated the apartment in XXXX of 2023. Since then the account has been moved to collections and I am not being charged from the company an outstanding balance of over XXXX dollars.
Consumer complaint received 2019-10-09
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. (HI)

XXXX XXXX XXXX is reporting incorrectly to Equifax and XXXX  a collection in the amount of {$2000.00} on the XXXX XXXX XXXX partial account XXXX. ( Please see page attached from my credit report. ) This collection is completely unsubstantiated and is reporting in error. The management company is falsely accusing me of damaging carpet to a unit I previously rented. This damage to the carpet was done prior to my moving in, and before I committed to the unit, I met with the complex manager and pointed out the existing damage to the carpet. The replacment of the carpet is not my responsibility. I did not damage the carpet and therefore should not be responsible for replacing it. I have contacted the ( 2 ) bureaus to remove this collection item from my report however, I have not been successful. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed.
Consumer complaint received 2020-02-03
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: CHARLES SCHWAB CORPORATION, THE (UNITED STATES MINOR OUTLYING ISLANDS)

I have two companies that monitor my social security number and credit reports, and last XXXX I was notified that someone tried to open an account with Charles Schwab, so I immediately called the number on my XXXX  credit report for Charles Schwab, explaining that I had not applied for any type of account with them, and I did not live in the state where it was applied at, as well as the fact that they used a previous name of mine " XXXX '' that I haven't used for 13 or more years. I had to go through a verification process to prove this was fraudulent, and they agreed. The sent me a letter stating the didn't open the account and removed any damages if there were any. They did not remove the " hard inquiry '' from my XXXX  report, and I contacted both XXXX  and Charles Schwab at least 5 times because of this. XXXX  states that Charles Schwab has to send them a letter stating that the hard inquiry needs to be removed, regardless that they admitting that it was in direct relation to a fraudulent account. I have written letters to Charles Schwab as well, yet they will not do anything. Every person I speak to states they will get it to the " Fraud Dept '' and nothing ever comes of this. It has been almost 4 months now.
Consumer complaint received 2019-10-09
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. (PA)

Fraudulent account identity theft XXXX XXXX XXXX XXXX ct Open XX/XX/17 Amount XXXX Account number XXXX Account was previously deleted and then reappeared back on Equifax credit report
Consumer complaint received 2018-06-16
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. (IA)

I disputed a debt to XXXX XXXX XXXX regarding a XXXX cell phone bill. I explained that I was part of an ongoing billing dispute that was being reviewed by XXXX 's corporate office for 1.5 years. Eventually, the company issued a credit of over {$700.00} to me in XX/XX/2017 but that did not fix the ongoing problem. XXXX reassured me that they would issue the credit to my account. However, I received notice that the bill was sent to a collection agency. I called XXXX who issued an additional credit and told me that they would remove the account from collections. We reached a billing agreement and I paid the difference after they issued the final credit. The payment confirmation number is XXXX.I had a representative from XXXX call the collection office with me to explain that my account should not have been sent to collections but the collection agency refused to speak with the XXXX representative . The account was removed from my credit report but have recently reappeared. If this matter is not resolved I am going to seek legal counsel to assist me. I am in the process of applying for a mortgage and I am unable to because this keeps reappearing on my report. I feel like my rights have been compromised.
Consumer complaint received 2022-08-16
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. (IL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2019-09-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rocky Mountain Capital Management (TX)

On XX/XX/XXXX I was contacted by a restricted number twice. ( XXXX ) I didn't answer. The same number called my wife 's phone and she answered. It was a man asking for me, when I came to the phone he shouted : " what happened yesterday? '' I didn't know what he was referring to. He then went over all of my information ( ssn, name, birthday etc ) said that " I missed my hearing yesterday and he will be stopping by. He gave me a number to Rocky Mountain Capital Management and said that he will be calling in an hour to see if I resolved this. It was a debt for XXXX XXXX loans. He made it seem like he was Marshall XXXX from your county. Through research, I found out his name turned out to be XXXX and he is not a marshall by title. 

I called the XXXX number ( XXXX XXXX XXXX XXXX ). No one ever said that " this is an attempt to collect a debt ... '' They were very hostile about providing me proof of my debt. They said they had been sending notice after notice to my home and via email. He said that he would have to contact my county every time an email is sent, and so he can't keep sending out emails. I demanded an email and settlement offer over and over but I refused to give any payment information. Finally, he sent one to my email. This proves that if they had been, I would have received the " others ''. They also had my current address so if they sent countless letters, I'd have " those '' too. I also know that there is a process. If the county wanted to send me notices or have me come to court, I'd know about it. It wasn't until I threatened legal action that he got off the phone. I contacted XXXX XXXX   directly and they sent me to the company that they sold it off to ( Rocky Mountain ) and they were not pleased to hear about the XXXX group using these tactics.
Consumer complaint received 2022-08-16
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. (IL)

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my Credit report. The credit bureaus stated my account was property investigation but now is That possible if the open date is inaccurate, the active inaccurate, and date last reported is not accurate.This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A, states l 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 instruction. 
My complaint ID # XXXX
Consumer complaint received 2017-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (GA)

Our mortgage is in my name. My wife pays the bill monthly. She was making the payment in XX/XX/XXXX online and thought it was fine until she went to make the XX/XX/XXXX payment. She then realized the XX/XX/XXXX payment did n't go through so she called, they waived the late fees and she paid both bills. She also forgot to make the payment at the XX/XX/XXXX. We are now on autopay to make sure she does n't forget but Freedom Mortgage submitted this to MY CREDIT REPORT dropping my score XXXX POINTS! Absolutely ridiculous that they would file against my credit for this very simple mistake one of which was their technology. This issue has prevented me from being able to XXXX ( the only reason I found out they had done it ).
Consumer complaint received 2020-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Good Evening / and Happy Holidays! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2019-04-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C. (IL)

XXXX ( XXXX ) Credit card refused issue a chargeback of $ XXXX from a company that is being shutdown by the FTC for fraudulent activities. XXXX stated during the dispute process that even though there was a refund period, that I was outside the refund request timeframe. Yet other creditors like XXXX XXXX did provide the chargeback for the same amount in XX/XX/2017. I provided email chains citing the Merchant XXXX who was working with XXXX, did not reply in a timely manner to answer my request for a refund and therefore stated I was outside the " all sales final '' period of 3 days. The services for the $ XXXX was for a business start up to travel to one of their resorts which I never did. XXXX is now suing me for over $ XXXX while the FTC has an open lawsuit against XXXX. I'm now having to retain a lawyer to fight the creditor XXXX. I have not been served from the Sheriffs office, but law firms are writing me about the open lawsuit.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing you as I have found recently in my Transunion & XXXX credit reports fraudulent accounts and inquiries. Please help me to remove those accounts and inquiries from my credit report as I'm a victim of identity theft. 

These are the accounts XXXX XXXX - XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These are the Inquiries XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching also my ID , SSN and FTC report.