davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I made a final payment 2021 to XXXX. They are still reporting to the credit bureau that the account is delinquent/derogatory. I have sent letters but nothing has changed nor a response.
Consumer complaint received 2023-08-01
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. (TX)

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 : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have made the same disputes with all three credit bureaus for months. Just recently XXXX  rectified the situation by removing all the incorrect information from my report. After that was completed, I reached out to XXXX   and experian to see what was necessary to remove the same items. I was told to dispute it. I explained I disputed multiple times and it was returned as correct info. They said since XXXX  removes the items its likely if I resubmit the dispute the same ones will be removed for their reports as well. So I disputed it again, to my surprise it returned as correct information. So I called again and was told the companies provided evidence it was correct. I asked how could it be correct for this report and not for another? I also asked if I could get this supposed evidence and was told to reach out to the companies. I dont think its fair that I have to keep disputing for months and the two reports still show incorrect/ fraudulent information. I want the items I have disputed numerous times to be removed. I even offered to provide proof XXXX removed the items and was told it wasnt needed. At this point I dont know what to do, but it rectify ASAP so I can repair my credit score.
Consumer complaint received 2018-12-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

The vehicle was sold/traded in to XXXX XXXX XXXX in XXXX, CA on XX/XX/XXXX. One Main is reporting a 30 day late for XXXX 2018. 
I have called XXXX and One Main requesting this to be modified and corrected - we were not in possession of the vehicle and under the understanding that XXXX was going to pay the vehicle off. We were never notified that it was not paid and past due again.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

has violated my rights. Or list of inquiries 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 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (MO)

On XX/XX/2018, I received notification from the credit reporting agencies that I had received a collection from American Express for non payment on a credit card I had no knowledge of. The collection reported on my credit file is around {>= $1,000,000} dollars, of which I have no knowledge of. I'm a victim of identity theft, please see attached ( 2 ) police report documents. The police reports explain everything I incurred during the robbery. I was robbed and my purse was taken from me violently. American Express has let someone explort my identity and as a result placed a derogatory mark onto my credit file. I've never done any business with this organization before. This has caused a major hardship due to me being a business owner and must retain good credibility. I pride myself on being viable and to maintain good credit health. This situation over the holidays has been troublesome at least. I would like something done about this as soon as possible.
Consumer complaint received 2018-12-23
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: Experian Information Solutions Inc. (NC)

A collection item has reappeared on my credit I previously disputed a collection item which was listed as a debt to a hospital the debt was deleted and has now reappeared with a different collection agency I have no contract or agreement with this collection company and do not own them anything I have never been contacted by them via phone or mail and have no knowledge as to who they are the item reappeared on my credit file with no communication or notice to me The company is XXXX XXXX XXXX and the debt amount is showing XXXX
Consumer complaint received 2023-03-29
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXXXXXX Balance : {$9400.00XXXX XXXX XXXX  XXXX XXXX Balance : {$3100.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-29
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)

The TransUnion, XXXX and XXXX after I purchased a credit report with XXXX  After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/. I believe they have failed to authenticate these accounts. I included this in my last request and hoping that these accounts lates will be removed. 
XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX Balance : {$3800.00}
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have attempted to dispute this issue Bank for several months now sending him letters doing enquiries to them verbally asking them to remove unauthorized hard inquiries that were not authorized as well as removing the false information that they had provided and then had mistakenly remove the entire account XXXX  need to lose a year and a 1/2 of  credit history dropping my scores significantly and now they are not reporting on any credit bureaus they tell me they are when I call the credit bureaus it does not show is reporting and I look at my credit reports it does not show is reporting but XXXX   proceed credit card shares by the fact there's nothing they could do because they're already reporting it I have contacted them and waited for 60 days for the no reply I've had to call them repeatedly in explain over and over with no recovery to fixing my credit and my score back I have had an account open with them for 2 years now and they have completely removed it from all 3 bureaus and I pay it monthly
Consumer complaint received 2024-02-08
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the inaccurate reporting of a fraudulent account on my credit report, which is a clear failure to comply with the law. Upon contacting the respective banks, it was confirmed that an error occurred. Additionally, assurances were given over the phone that the account would be promptly removed. 
XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-12-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo charged their own auto insurance when I already had one in place causing my payments to go to the insurance that WF placed instead of the loan itself. This caused the car to be repossessed. This was done knowing I had given a large down payment, caused a lot of confusion in the numbers, and WF made it very difficult to try and get everything straightened out. WF 's actions are deceiving.
Consumer complaint received 2018-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Business & Professional Collection Service Inc (NV)

Upon viewing my new monitoring service I noticed a debt balance from company XXXX XXXX XXXX for a debt balance of {$1000.00} on my file that is fraud and a result of identity theft doesn't belong to me. I have filed a identity theft report and have attached to this complaint. This balance is claimed to be from XX/XX/2013 I have never used whatever service company offers this is not my account or balance.
Consumer complaint received 2018-08-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (MN)

Calvery Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX My credit report shows a credit account not paid opened in XX/XX/XXXX of XXXX for {$1000.00} from some XXXX XXXX XXXX. I have not opened any credit accounts in XXXX and XXXX XXXX XXXX already shows up from XXXX after I became unable to work. I called the XXXX number above and she stated I would have to talk to their lawyers and would give me no information I believe they may be trying to collect a debt another company or sister company is already reporting and Im trying to get to the bottom of this.
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 — Investigation took more than 30 days
Company: REGIONS FINANCIAL CORPORATION (FL)

I have attempted to dispute this issue Bank for several months now sending him letters doing enquiries to them verbally asking them to remove unauthorized hard inquiries that were not authorized as well as removing the false information that they had provided and then had mistakenly remove the entire account kasi need to lose a year and a 1/2 of  credit history dropping my scores significantly and now they are not reporting on any credit bureaus they tell me they are when I call the credit bureaus it does not show is reporting and I look at my credit reports it does not show is reporting but regions proceed credit card shares by the fact there's nothing they could do because they're already reporting it I have contacted them and waited for 60 days for the no reply I've had to call them repeatedly in explain over and over with no recovery to fixing my credit and my score back I have had an account open with them for 2 years now and they have completely removed it from all 3 bureaus and I pay it monthly
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CO)

JPMCB CARD SERVICES continues to put a debt on all my credit reports that is not mine, was part of identity theft that was filed in 2015 and they refuse to remove this debt despite multiple demands.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has reported I'm passed 30 days late and when I called they said I paid to early which actually I paid on my due date and never 30 days late. The only thing that changed was my minimum payment which I'm enrolled in the hardship program which they adjusted my payment.
Consumer complaint received 2019-09-12
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. (CO)

XXXX offered me a " bundle and save '' deal if I transferred my phone landline service from XXXX to XXXX. 

When XXXX turned out to be significantly more expensive than promised, I cancelled my XXXX service, and returned to XXXX. 

I paid XXXX in full when I cancelled the service. 

I recently found out that XXXX put a black mark against my credit because I applied for a mortgage. XXXX claims I owe {$53.00} for a " final bill ''. XXXX claims my account number is XXXX. This is impossible. I had already started service with XXXX, and cancelled my XXXX service. XXXX refused to give me any details of the alleged debt, and never even billed me for this " final bill ''. 

I spent many hours on the phone with XXXX, and also contacted them by email. The email address they gave me ( they refused to discuss the situation on the telephone ) was incorrect -- my email was undeliverable. 

I want XXXX to remove the black mark on my credit report. I also want XXXX to provide proof that I incurred this alleged debt.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

I began an 8 month lease with an apartment complex in XXXX, CO called XXXX XXXX at XXXX in XX/XX/XXXX. It was set to expire in XX/XX/XXXX and I extended it on a short term basis twice into XX/XX/XXXX. I had numerous problems with the complex involving communication and incorrect information, but after moving out I saw that I had a final amount owed of XXXX. Despite feeling that this figure was inaccurate, I felt I needed to pay it due to the aggressive late fee structure of the complex. I did so on XX/XX/XXXX and followed up with the company. Upon doing so, I discovered I was charged for items that were false and incorrect. I was told I would be issued a check in the amount of {$160.00}, which has been withheld. Instead, the company created a collection on my credit in the amount of my final rent, which as I stated was paid on XX/XX/XXXX. My bank records will reflect that. The company does not issue receipts they indicate they will, does not return phone calls as promised, and has now falsely reported items on my credit. This is dishonest and abusive behavior and has taken months to monitor and is further from a solution than it began.
Consumer complaint received 2019-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WI)

XX/XX/2015 I filed a chapter XXXX fed loan service gave the trustee an amount of XXXX  on  paper the amount was paid the bankruptcy was dismissed by the court fed loan service refuses to acknowledge this they have created a bill that no longer exists they are charging me late fees on a loan that isnow paid and is over 31 years old over 16.000 has been paid on an XXXX loan I have paper work to prove the amount they gave the truster
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

Applied for American Express Blue Business card which offered a 10,000 point welcome bonus after spending {$3000.00} in 90 days. After waiting some time after meeting the spend and not seeing the points post, I reached Amex. The chat agent mentioned that the " welcome offer '' was declined by Amex but couldn't explain why. This seems rather deceptive to have an offer and not notify the end user that you are declining the offer yet approve them for the credit card.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections (MS)

I do not owe this debt. It is the result of identity theft. Ive tried reaching out to the debt collector, XXXX and CFPB. This debt does not belong to me yet noones taking action to remove it from my credit report. XXXX   XXXX XXXX XXXX XXXX must be investigated for fraudulent practices. Ive been dealing with their attacks on me and my credit report since 2017. I have been consistently targeted by the XXXX staff. Take a look at the documents attached. This fraudulent debt collection agency doesnt provide an account number. This is done to gain access to consumers social security numbers. This company must be shut down.
Consumer complaint received 2023-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland credit management has a collection on my account in the amount of {$890.00} last reported XXXX XXXX and another collection in the amount of {$760.00} last reported XXXX XXXX. That account was sold by XXXX XXXX XXXX and they harass me daily and nightly from different numbers even after my number has been changed. I am not responsible for the accounts and I wish they would stop harassing me and sending letters. They refuse to remove it even after selling my information. I am not responsible for these debts and I have disputed them with no resolution. These companies continue to harass me and I dont know what else to do they are ruining my credit report and stopping me from moving forward with my life due to messing up my credit scores.