davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Receivables Network (MO)

Sage Capital is contacting me for a false debt that I do not owe. The creditor is XXXX. They text, call, and email despite me informing them in writing to stop contacting me. I had originally asked for proof within the first 30 days of contact and prior to " validating '' the debt they still attempted to collect from me. The balance is also not owed because I never received the services claimed from the creditor. I have tried disputing the debt with XXXX but they are a horrible company and never respond to anything. They are harassing me on this false debt and attempting to up their collections including credit reporting and a possible lawsuit. I do not owe this debt.
Consumer complaint received 2017-09-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: KEYCORP (KY)

A title loan ( refinance ) was opened on XXXX/XXXX/XXXX with Key Bank. This institution is based in XXXX, Ohio. I live in XXXX Kentucky. There were branches nearby at the time of taking out this loan. Since this time, all Kentucky branches have closed. 

The account was paid in full ( online ) on XXXX XXXX, XXXX. Since this payment was made, Key Bank sent a Lien Termination letter with notarization, but did not otherwise seek to release the lien with the XXXX XXXX Clerk 's office. 

On XXXX XXXX, XXXX, I traded this vehicle at a dealership in XXXX, Kentucky. Since this time, both the dealership and I have tried to release the lien on the vehicle with no success. 

Kentucky requires that form TC XXXX ( as required by the Kentucky transportation cabinet ) be completed by the lien holder and will not accept a lien termination letter. 

Key Bank does not have this form on file and has failed to attempt to release the lien. They have only sent extra copies of the lien termination letter. I have been forced to fill out this form and fax to Key Bank with the hopes that they will comply and fax a copy, with a forwarded original to the XXXX XXXX XXXX 's office.
Consumer complaint received 2023-01-12
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : has violated my rights. 15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Adjustment Services of Harrisburg, Inc (IN)

This will serve as a notice to cease all communication through all mediums including my credit report pursuant to 15 U.S. Code 1692c i as the consumer do not validate this alleged debt and is refusing to pay this debt until you can provide Me documentary evidence. 
I have never done business with your company and have no legal obligation to pay you for any services. 
I demand that you cease all communications. Unless you can provide any documentary evidence pursuant to 15 U.S Code 44 with all books of account, tax documents, and the ORIGIANAL contract with my wet signature in blue ink i am demanding you delete this account from my credit report or i will have no other choice to file a complaint with my attorney general within 3 days of receipt of this notice.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Transunions persistent failure to remove inaccurate and unverifiable information from my credit report. Despite multiple attempts and the submission of substantial proof validating the inaccuracies, Transunion has not taken appropriate action to rectify the situation. This ongoing negligence has negatively impacted my credit score and financial well-being. I request the CFPBs intervention to ensure that Transunion promptly investigates and corrects these discrepancies in accordance with the Fair Credit Reporting Act. Your assistance in resolving this matter is highly appreciated. 



1. Accurate Reporting ( Section 1681e ) : This section outlines the responsibilities of consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports.

2. Duty to Correct and Update Information ( Section 1681i ) : This section establishes the consumers right to dispute inaccurate information and mandates that consumer reporting agencies conduct a reasonable reinvestigation to correct or remove inaccurate information. 
3. Reinvestigation of Disputed Information ( Section 1681i ( a ) ( 1 ) ( A ) ) : This subsection details the procedures that consumer reporting agencies must follow when investigating and correcting disputed information.

4. Duties of Furnishers of Information ( Section 1681s-2 ) : This section places responsibilities on entities that furnish information to consumer reporting agencies, requiring them to provide accurate and complete information and to investigate and correct any inaccuracies upon notice.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been disputed the accuracy and verification of a bankruptcy listed on my credit reports for over a year. The outcome always states that it has been verified either by the courts, or XXXX XXXX. I received a letter from the court stating that they do not verify Bankruptcies, and XXXX XXXX has been frozen since XX/XX/2023, and I submitted my disputes in XX/XX/2023. 

I also received emails to verify my identity in order to stall my dispute... However on XX/XX/2023 when I mailed off my disputes I included my lease and My Drivers License. That would mean that they never even looked at my letters and completed a proper and fair investigation. 

In accordance with the Fair Credit Reporting Act. 15 U.S.C. 1681 section XXXX02 A States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Public Record XXXX XXXX XXXX - XXXX XXXX. XXXX. XXXX Has violated my rights.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX  XXXX ) XXXXInaccurate XXXX XXXX ( Original Creditor : XXXX  XXXX   XXXX XXXX  XXXX ) XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX   XXXX | XXXXN/AInaccurate XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Inquiries : XXXX  XXXX XXXX   | XX/XX/XXXXN/AInaccurate XXXX  XXXX XXXX   | XX/XX/XXXXN/AInaccurate XXXX  XXXX XXXX | XXXXN/AInaccurate XXXX   | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX   XXXX XXXX XXXX  | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX XXXX  | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX-XXXX  | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.
Consumer complaint received 2022-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (IN)

This will serve as a notice to cease all communication through all mediums including my credit report pursuant to 15 U.S. Code 1692c i as the consumer do not validate this alleged debt and is refusing to pay this debt until you can provide Me documentary evidence. 
I have never done business with your company and have no legal obligation to pay you for any services. 

I demand that you cease all communications. Unless you can provide any documentary evidence pursuant to 15 U.S Code 44 with all books of account, tax documents, and the ORIGIANAL contract with my wet signature in blue ink i am demanding you delete this account from my credit report or i will have no other choice to file a complaint with my attorney general within 3 days of receipt of this notice.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX
Consumer complaint received 2022-02-27
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. (FL)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 
XXXX / XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX the XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX/ Resident data on XX/XX/XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX XXXX/XXXX  on XX/XX/XXXX XXXX XXXX XXXX  XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX  XXXX/ XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-02-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NJ)

My mortgage is through XXXX bank serviced by Loancare. In XXXX I used 180 days covid Forbearance due to covid related income loss. I requested to end it after 90 days but they somehow had it continue and end after 180. I resumed payments, have never made a late payment. In XX/XX/XXXX I lost my job for having covid. I was out for XXXX  days, XXXX of which I had 102+ temps, was out on oxygen, etc. I returned to work on XX/XX/XXXX, and on XX/XX/XXXX the owner of the company told me covid was fake, that sick days werent for the sniffles, that I wasnt allowed to use my sick days for it, and after saying thats not legal in Nj, I was told he makes the rules, not the government, and was told to return my laptop and badge. I paid my XXXX mortgage, but researched and found that lenders are required to extend an additional 180 days of forbearance for covid related loss if the applicant requests. On XX/XX/XXXX I applied to extend my forbearance and received email confirmation that it was received and would be reviewed in 3 business days. On XX/XX/XXXX I called to follow up and they couldnt find the application. They had me reapply while on the phone and completed the interview. On XX/XX/XXXX I called to follow up again, and was now told that Both applications were missing, even though the notes from the XX/XX/XXXX call stated it was reapplied for. I applied a XXXX time, and emailed XXXX loancare through their help portal. On XX/XX/XXXX I received a call in response to my help request and was told they are not required to extend beyond 180 days. I submitted a XXXX application and called back. I was sent to loss mitigation, who confirmed they ARE required to extend an additional 180 days if requested, but when she tried to do it, she now found none of All XXXX applications, just the notes stating they were submitted. Again, I have email confirmation from Every application. She had no idea why they were deleted and told me to call back on Friday XX/XX/XXXX. On XX/XX/XXXX I call and theres still no record, and no one could tell me what to do. I applied a FIFTH time and I asked who I talk to about it because Ive been trying to apply now for over a month, and no one knew an answer. How are they not required to have their act together for this?? I guarantee this is going to Tank my credit score Tuesday even though I have done Everything I am supposed to do to request the forbearance that Im legally entitled to. I am hoping this will force someone that can actually do something about it, to help and correct the situation.
Consumer complaint received 2018-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX IS VIOLATING THE " DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT '' ESPECIALLY TITLE X. THIS IS WHY MY CREDIT REPORT IS BANISHED, THEY CAN NOT HANDLE THIS LAW.
Consumer complaint received 2022-02-27
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. (CA)

Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO XXXX, EQUIFAX, & XXXX XXXX THAT PER THE FAIR CREDIT REPORTING ACT, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE. I have never done business with XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX, nor have I signed any contracts with these companies. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX to delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX XXXX Equifax, and XXXX directing them to REMOVE these erroneous entry as well.
Consumer complaint received 2022-02-27
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. (CA)

Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO XXXX, XXXX, & TRANS UNION THAT PER THE FAIR CREDIT REPORTING ACT, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE. I have never done business with XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX, nor have I signed any contracts with these companies. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX to delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX XXXX XXXX, and Transunion directing them to REMOVE these erroneous entry as well.
Consumer complaint received 2021-08-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI (OK)

I am filing a complaint against GENERAL REV because they are attempting to collect a debt that I do not owe them. Account Name : GENERAL REV, Account Number : XXXX. 
I would like for GENERAL REV to show proof of verification that I owe them {$640.00} with the account above. To my knowledge, this account has been paid. GENERAL REV is reporting inaccurate information on my credit report.
Consumer complaint received 2022-02-27
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. (CA)

Transunion Credit Reporting services is not accurately reporting the amount on my XXXX XXXX XXXX. Transunion is stating my account balance is {$290.00}, when it should read as {$0.00}.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. XXXX  XXXX, XXXX XXXX  XXXX, and other miscellaneous inquires has fraudulent accounts on my credit profile that need to be moved immediately.
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: Experian Information Solutions Inc. (TN)

N accordance with the Fair Credit Reporting act XXXX XXXX Co # XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the rights 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 2020-02-25
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: EQUIFAX, INC. (GA)

I have submitted a police report via fax and postal mail on XX/XX/2020 to equifax. However they are stating they havent received anything, I have been transferred to multiple representatives each starting there is nothing to be done because they havent received the report. I am trying to dispute a fraudulent account that is on my report twice for the same company that doesnt belong to me.