davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-17
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. (VA)

I am updating another claim as it pertains to an error in reporting either by Transunion or by XXXX XXXX XXXX XXXX. I, XXXX XXXX XXXX have never had a line-of-credit with XXXX XXXX XXXX XXXX. This was a simple checking and savings account. Therefore, this account is reported erroneously. It is indicated that I had a line-of-credit account opened approximately XX/XX/XXXX and was closed on or about XX/XX/XXXX after paying the balance on XX/XX/XXXX. This is incorrect and the evidence will show that the past dispute with XXXX XXXX XXXX XXXX was for the assessment of overdraft fees by misapplying funds inappropriately. During a period between XX/XX/XXXX-XX/XX/XXXX, my checking account was noted to be spent down despite funds being available ( deposits, wages, etc. ) and the bank would charge overdraft fees and then the available funds. The sequence of deposits and withdrawals were not processed in the manner in which they should have. I will resubmit this to the bank based on the Transunion settlement claim as well as to two or more agencies, specifically the NCUA because I never had a line-of-credit with XXXX XXXX XXXX XXXX and the dispute was over {$300.00} in overdraft fees and statement fees between XX/XX/XXXX-XX/XX/XXXX. This matter is hereby updated to include erroneous reporting by XXXX XXXX XXXX XXXX in regards to an account that I never authorized ( i.e Line-of-Credit ) or was known to have. This information was submitted to the attorney for Transunion per request ( s ) and was further indicated that a release would not be signed by XXXX XXXX XXXX in regards to Transunion reportings on the credit report.
Consumer complaint received 2019-01-17
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: Midwest Recovery Systems (CA)

I received a credit report update from XXXX XXXX on XX/XX/2019 : Midwest Recovery Systems put a {$200.00} collection account on my credit reports ( states between XX/XX/2019 and XX/XX/2019 account opened ). Collection states origional creditor was XXXX XXXX XXXX XXXX. I did not get a loan from XXXX XXXX XXXX XXXX, never received a call from XXXX XXXX XXXX XXXX, and no mail received. I did start a dispute with XXXX and XXXX
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-18
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: Experian Information Solutions Inc. (AZ)

Hello, Experian is showing one of my credit card account as being closed. XXXX XXXX XXXX. I've been in contact with XXXX and they assured me that the account is opened and in excellent standing. I've been using the card regularly as well. XXXX  and XXXX both are showing this account being active and with the correct line of credit. Experian on the other hand, has removed my available credit line from my XXXX XXXX XXXXccount as well as deducting that amount from my total line of credit. I don't understand why they are not taking this as seriously as I am. XXXX XXXX  informed me that they notify all credit reporting agencies on a monthly basis, and the problem that I'm having, is with Experian, which I totally agree. Every time I contact Experian about this, all they say is to file a dispute, which I have. But Experian doesn't realize that the dispute is with them, not with XXXX XXXX I hoping you the CFPB, could help me with this. Thank you.
Consumer complaint received 2019-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (TX)

I recently obtained a copy of my credit report and noticed a debt that was previously confirmed to not be mine added back by another collection agency. I find it very unprofessional and disturbing that this collection agency would assassinate my character and credit worthiness by adding this false account to my report before verifying the validity of this information. Furthermore, the agency never had the courtesy to contact me in any manner before impacting such a major part of my livelihood. Please assist with with bringing light to this situation.
Consumer complaint received 2019-07-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

I received another letter from XXXX their ref # XXXX XXXX XXXX XXXX XXXX which CFPB responded to them immediately ( I can not locate my ref # ) The letter I got in the mail today is dated XX/XX/XXXX and low and behold, another letter head of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX MN XXXX ... XXXX ... with debt description as ! XXXX XXXX XXXX ; XXXX XXXX acct XXXX XXXX same amt of XXXX but the letter says they can not resolve dispute cause they need my SS #. OMG they do noy mention that the so called loan was supposedly made in XXXX ... ... ..I am not the borrower never have been did not make a loan for this and they try to scam me 16 yrs after this loan was supposedly taken ... .really? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (NY)

I paid XXXX XXXX group on XX/XX/XXXX for a medical debt of XXXX ( give or take a few dollar/change ). They informed in at that time as soon as transaction as done they would inform the credit bureau to remove it from my credit report. I paid for my credit report days later which showed debt solutions as the company holding the medical debt not XXXX I then called debt solutions who stated they held the debt and I need to pay them in full. I requested the original bill explained I paid it off with another company. They gave me an email to send a validation letter to confirm so they could dispute payment. I spoke again to XXXX XXXX  on XX/XX/XXXX requested a validation letter informed them another company stated they owned the debt and was also demanding payment. Was sent validation letter on XX/XX/XXXX. Emailed letter to debt solution, called to confirm they received letter so they could remove debt as it was paid. They stated they had to send letter to yet another debt agency XXXX XXXX XXXX XXXX to confirm letter was valid and ask if they wanted them to remove the debt from my credit report. This is three companies claiming my medical debt when its been paid to one. I have the letter proving its been paid. Attached will be the letter
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paradigm Assets, LLC (DC)

The company in question is JHPDE Finance 1 LLC. I have never been contacted by this company, ever. I found out they had an open collections account on me from 2018 when I recently started paying off my debts. That account was sent to a civil court in VA for a judgement but was dismissed. Now, they reopened that collections account. Once again, they made no attempt contact me. I only found out through alerts from my credit monitoring service. I've tried calling them and they keep referring me to different departments, both whom insist they don't have my information in the system. None had my contact info or address. How is possible they are able to open a collections account on me when they never contacted me, or when they don't even have my account in their system? I painstakingly paid off all of my debts in the last 3 years ( over XXXX in debt ), and right when my credit was improving, these guys do this. To make matters worse, I am ready and willing to pay the full balance right now, but I can't.
Consumer complaint received 2019-01-17
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: SYNCHRONY FINANCIAL (AL)

I had a credit score in the upper XXXX 's around the mid XX/XX/2018 ; the following week I received and alert from XXXX XXXX  that something went wrong, I found out that XXXX XXXX dropped my credit limit from {$9500.00} 's to $ 1000s for no reason. This card I've always paid on time and paid it off last year. I contacted them and they informed me that it was because of what they saw on my credit report but no other detail, I've tried for them to give me a more specific answer but they wouldn't. They have messed up my credit for no reason.
Consumer complaint received 2018-07-12
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. (FL)

XXXX has updated that this XXXX account is paid a settled. Whereas XXXX  and Experian has not updated the account as a paid and settled charge off with XXXX balance. Its an XXXX account store card account number is XXXX. Need XXXX and Experian to update comments as paid charge off settled account as XXXX  did
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per XXXX XXXX XXXX - Billing Error, corrections should be made.
Consumer complaint received 2019-07-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SYNCHRONY FINANCIAL (FL)

I receive calls every single day, some times multiple calls in one day. They are calls for some one else, not me. They are pre recorded calls and are coming from Synchrony Bank. The phone number they are coming from is XXXX. Please make these calls stop. I have told them several times that I am not the person that they are trying to locate. But still the calls persist. Please, please make them stop. Thank you.
Consumer complaint received 2023-08-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (MI)

On XX/XX/2023, I received two letters from Resurgent Capital Services attempting to collect a debt from Web XXXX XXXX One in the amount of {$2800.00} and the other {$1700.00}. I responded back to these letters with a Debt Validation Letter explicitly asking them to not communicate with me via email or anyway until the debt has been validated. I even advised them that pursuant to 15 USC 1692 that communication outside of validating the debt would result in a {$1000.00} fine per violation.

However, Resurgent Capital Services has elected to ignore my request in violation of 15 USC 1692 and continues to send me emails in an attempt to collect a debt they have not validated. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they sent me emails. These are four ( 4 ) violations of 15 USC 1692 and I would like to receive the {$4000.00} they owe me for not following the law when they know better, especially without validating the debt.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (AZ)

I contacted I.Q. Data International multiple times to inform that the balance associated to an account they hold and have reported to the credit bureaus has been satisfied. I provided proof on XX/XX/XXXX that the account had been satisfied prior to their inaccurate reporting and asked that the correction be made. I then received notice that the account had been added to my credit profile shortly thereafter. I contacted the company again with even more evidence that the amount had been satisfied with the original creditor, XXXX on XXXX, in XXXX of XXXX. As well the matter was resolved within the courts in the same month. I offered to provide the court documents pertaining to the matter, which were refused by the representative I spoke with who assured me that the correction would be made. I also disputed the informations accuracy with the credit bureaus who responded stating that I.Q. Data international states the information to be accurate, when in fact it is not, which I made them aware of from the initial point of contact to which I had to file a complaint due to violation of my UDAAP rights with a representative of the company in question. I have attached initial service receipt that shows when payment was initially processed, I have attached confirmation from operations manager for XXXX on XXXX that payment was in fact received, I have attached both the attorneys affirmation of judgment satisfaction and the motion to satisfy within the courts dated XX/XX/XXXX.
Consumer complaint received 2021-05-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GLA Collection Company, Inc. (KY)

I got first notice of debt on credit report. I call GLA collection in XXXX ky and asked about credit report. Was told my old address XXXX  where they were sending statement and statements not forwarded. I gave them my correct address, they offered settlement. I asked verification of debt. Was told not their problem. I sent email requesting verification, giot a print out of amount owed. No who, when XXXX just amount of each account. I started paying known accounts and asked verification on unknown. They refused again. I have paid more accounts and they agreed to withhold reporting until XX/XX/XXXX to give me time to pay. I have been paying XXXX and today XX/XX/XXXX I see 10 of those reported to credit agency. I am XXXX and paying as I can, they know this.
Consumer complaint received 2019-07-06
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. (OH)

On the following dates I received responses to one of the many disputes I submitted to each of the Credit Reporting Agencies regarding accounts on my reports : XX/XX/XXXX - Transunion, XX/XX/XXXX - XXXX. On these responses the Credit Reporting Agencies stated the accounts I disputed were updated. Not only are they still reporting the incorrect accounts they are also reporting a bankruptcy I have disputed with them many times. They are staying they verified the information with XXXX XXXX which is a third party company. I have disputed this bankruptcy with XXXX XXXX and they responded to my dispute stating they, they received the information from another 3rd party, XXXX, and this information was sold to the Credit Reporting Agencies. ( See attachment titled " Response - CFPB '' ). I have received a letter from the courts in XXXX stating they Do Not report any information to the credit reporting agencies. I have submitted this letter to XXXX, Transunion and XXXX XXXX several times since XXXX. Each Credit Reporting Agency state on the credit reports, with the exception of Transunion, the bankruptcy information is being supplied by XXXX XXXX. Transunion does not say this on their report however they say to find out where the information is coming from to go to the website they have listed on the report. I have included attachments of the credit report pages with this information as well as a copy of the Transunion website that shows they are also supplied bankruptcy information from XXXX as well as another third party company.
Consumer complaint received 2019-01-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX, is showing 30 days late when in fact I submitted proof I was never late. On XX/XX/2018, I want this removed.
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

On or about XX/XX/2020, I applied for a Mortgage through XXXX XXXX XXXX ( XXXX ) in XXXX, XXXX XXXX. On or XX/XX/2020, XXXX advised me that my loan application would be denied due to two liens that are being reported by Lexis Nexis Risk Solutions. The two judgements against me in the XXXX XXXX XXXX XXXX XXXX, case numbers : XXXX and XXXX are completely satisfied. Lexis Nexis Risk Solutions is inaccurately reporting that the liens have not been satisfied and thereby caused my loan application to be denied.
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I received a copy of my credit report and information is listed incorrectly, I do not have any agreement with nor have I ever had a contract with LVNV Funding LLC Account Number XXXX This collection account is reporting OPEN, but also shows a balance of XXXX. According to the FCRA, I have the right to an accurate credit report. Please remove the account immediately from my credit report.
Consumer complaint received 2024-03-10
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX  I looked at my report. I sent a letter to Equifax on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX Dept of Education Account number XXXX XXXX  This account is reporting 120 days late payment. But it showing that I made payment two months in a row. So I didn't receive a 30 days late payment, 60 days or a 90 days late payment that is inaccurate reporting on my credit report. 

XXXX XXXX XXXX Account number XXXX XXXXXXXX This account is reporting a 60 day late payment but is showing that I paid the month prior. Which means it not showing a 30 day late payment prior to the 60 day late payment and that is inaccurate reporting on my credit report. 

XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates and according to 15 USC 1681s-2 this is supposed to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Equifax really did not reinvestigate they lied on an official document saying they did something they did not do. I have attached the proof.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Westlake Services, LLC (FL)

Someone has stolen my information and trying to establish credit without my permission and blemishing my credit report with unnecessary unwanted enquires. Received a letter dated XX/XX/22 from Wilshire Consumer Credit On behalf of XXXX XXXX XXXX
Consumer complaint received 2019-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I applied for a recent card in the month of XXXX. I was denied which lead me to have the creditor that denied me credit to ask for credit report to be sent out. I see that they're are XXXX collections. XXXX collection for I did owe, but was paid to XXXX years ago. I never had to XXXX other. The only XXXX I ever had was with XXXX XXXX. These are the only negtive marks on my XXXX XXXX. I pay all my bills and these negative marks are hendering my " good record ''. Please, look further into this matter to assit me in resolving this matter. 

Thanks In Advance