davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-09
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. (MS)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.

I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ProCollect, Inc. (MS)

Back in XXXX around the XXXX th I ask this company Pro Collect INC Account # XXXX to send me verification of a debt that they're constantly sending me letters saying I owe. They didn't provide a signed contract as i asked from the original debtor and a contract of them signing taking on this debt that was not my responsibilty. I am XXXX and due to my XXXX I was receiving help from HUD and they was responsible for my rent at the time. 

If this company Pro Collect INC would have done their research and validated the debt like i asked they would know that I do not owe this bill. This bill is the responsibilty of the agency that was assiting me at the time. I am still receiving government assitiance with my rent from the same agency just a different branch of Non Profit.
Consumer complaint received 2022-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FISERV INC. (CO)

Subject : Disputing Information in TRS I am writing to dispute the following information that TRS not Supplied to telling me about payment they did really recived from me. 


I have paid the debt {$27.00} on after XX/XX/2022. I lost, or TRS lost the confirmation. 

I am requesting that TRS provide me information, when I really did made a payment. TRS, rep won't provide me information. I believe they had confirmation payment recived, but the rep will not provide me the information, when I mention about XX/XX/2022. 

Therefore, here is what I have for now. 
TRS XX/XX/XXXX XXXX! Payment Entered on TRS Recovery Services! - ID XXXX Confirmation from transaction made {$27.00} What information do they have? For this. 


This is all what I have of confirmation about debt been paid. Please reinvestigate this matter. Provide me info about, when I did made payment to TRS back in XX/XX/2022 XXXX. 


Sincerely, XXXX XXXX : The copies, I did recieved was lost. 
I only, have email confirmation trs. 
Transaction history from my payment.
Consumer complaint received 2022-04-09
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: GOLDMAN SACHS BANK USA (FL)

GOLDMAN SACHS BANK USA HAS consistently REPORTED FRAUD ACCOUNT NUMBER XXXX ON MY CREDIT TO CAUSE GREAT AND MALICIOUS HARM TO MY FINANCIAL WELL BEING. THEY PURPOSELY FUNDED A FRAUDULENT CHECKING ACCOUNT UNBEKNOWNST TO ME AND ALLOW THE PERPETRATORS TO BENEFIT OFF THE ERRONEOUS MISTAKE. 

ON TOP OF THAT AFTER READING THE FCRA THEY CONTINUE TO INTENTIONALLY ATTEMPT TO CAUSE GREAT AND MALICIOUS HARM BY REPORTING IT AS A CHARGE OFF WITH A BALANCE OF {XXXX} WHICH ACCORDING TO LAW IS A BLATANT VIOLATIONS OF MY CONSUMER RIGHT ACCORDING TO THE FCRA IF THIS WAS MY ACCOUNT WHICH IT IS NOT AND HAS NEVER BEEN.FURTHERMORE ACCORDING TO THE FCRA ALL CHARGEOFF REPORTED MUST REFLECT A XXXX BALANCE AND NO PAST DUE
Consumer complaint received 2018-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Nicholas Financial Inc. (GA)

From XX/XX/XXXX - XX/XX/XXXX I was charged {$89.00} per month for insurance coverage by Nicholas Financial. After providing documentation to the company showing that I maintained insurance on the vehicle during that period of time, fees for the insurance which had been applied to the principal amount on my loan were removed. I am concerned that the insurance fees totaling more than {$3000.00} affected the amount of interest that was charged on the loan.
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (NY)

Experian took over 30 days to respond to my dispute letter from XX/XX/2022. They are required by law to respond within 30 days, and they failed to do so. 

I sent a second letter on XX/XX/2022 stating I would like a description of the procedure used to determine the accuracy and completeness of the information including their method of verification. I stated in the letter that I do not consent to E-oscar or any means of automated verification. 

With the response I got, Its certain that it came from an automated system, which again I dont consent to! 

I have proof and I'm keeping a careful record of their actions. I will file small claims action against Experian seeking {XXXX} per violation for : 1 ) Defamation 2 ) Negligent enablement of identity fraud 3 ) Violations of the fair credit reporting act 4 ) Finacial injury Please let me know if you need proof they received a letter as I paid for certified mail and I'm keeping all records of Experian and myself.
Consumer complaint received 2018-07-10
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. (TX)

My credit rating is wrong. My score is XXXX my rating poor this is wrong. 
The score starts at XXXX top score XXXX. In the United States Of America. 
The math is simple 300-410 is a score. 411-521 is a score. 522-632 is a score.

633-743 is a score. 744-855 is a score. That is the American math system. 
The credit rating allowed by the United States Of America is Bad, Poor,  fair, good, excellent. If this is correct. The math is simple. My rating should read on my credit report fair with a XXXX score. My complaint is XXXX, XXXX, an Transunion has my credit rating wrong according to their allowed score of 300-850. It has a window of XXXX divided by bad, poor, fair, good, excellent you have XXXX in between the XXXX score and the XXXX score. My score falls in the line of fair and once it reaches XXXX my rating should read good. XXXX has a correct credit report but the rating is poor which is wrong. But they are the only credit reporting company with the correct information.
Consumer complaint received 2018-07-08
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. (MS)

TransUnion lowered my credit score due to inaccurate negative payment history that was inaccurately reported by XXXX XXXX. XXXX XXXX notified TransUnion of the inaccurate, negative payment status that was reported and they also corrected the error. 

TransUnion has still refused to correctly report my positive payment history with XXXX XXXX and has not raised my credit score back to the very good status that it was ( over 740 ) before this negative, inaccurate payment history was placed on my credit file.
Consumer complaint received 2022-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (TX)

I have contacted this company on multiple occasions to resolve two fraudulent accounts in my name. I have sent them all documentation including FTC report and police report, and each time was told an investigator would be reaching out to me through phone, which never happened. I even told them during the last phone call to promise me this would happen since it hadnt yet, and they did. However, its been months and I still have not heard. I did receive one email correspondence but after I provided all necessary documents and information, they still have not removed this account from my name and credit report. Its clear they are not willing to work with identity theft victims and would recommend people refuse to work with such company. I have attached several documents including FTC report, police report and formal letter to company with this complaint. If necessary, I can provide even more documentation, including dates. Thank you.
Consumer complaint received 2022-04-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (MD)

I had four student loans that were being serviced by Edfinancial Services ; however, my loans were transferred from Edfinancial Services to XXXX several months ago when I applied for PSLF/TEPSLF. Moving forward, all four loans have been forgiven under the PSLF/TEPSLF, but Edfinancial continues to report the loans as if they are still servicing them and as if I still have a balance. I tried to dispute them on my credit report, but Edfinancial told the credit bureaus that my loans are still being serviced by them and they even reported that I have a balance.
Consumer complaint received 2022-04-09
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (LA)

My loans changed from Navient to Aidvantage. Ive tried multiple times to log in and take advantage of the pause on loans but I have yet to be able to see my loans. And their website states nothing is to be done until prior to the first billing. I feel as though Im unprepared. I also notice that interest is still accruing even though there should be a pause on interest. I can see interest accruing because my credit score changes and shows me my debts are growing larger but I cant actually log in to Aidvantage to see the actual amount.
Consumer complaint received 2015-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Apelles, LLC (IL)

XXXX Debt collections services is continuing try to collect a debt that was discharged in bankruptcy. I have submitted the appropriate documentation to XXXX and requested this information be removed from my credit files. XXXX has continued to harass and attempt to collect this debt. Please see attached documents
Consumer complaint received 2022-04-09
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: ENOVA INTERNATIONAL, INC. (MI)

NetCredi.com accordance with the fair act XXXX  account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2. Its also states a consumer reporting agency can not funish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a open credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OR)

Back in XXXX I noticed that I had a payment safeguard fee on my statement. I called and asked what it was for. They explained it to me and that I didnt qualify for it since Im considered XXXX XXXX. Nor did I ever ask for it. They ended up reimbursing me for all the fees they had charged me. and recalculated all the interest since it would make my balance smaller after taking the fee off. I didnt think nothing of it and kept paying my bill after they refunded me and all these years only to find out that after they refunded me all that money the following month after the refund they started charging me all over again. I didnt catch it until XXXX since I was taking care of my sick dad until he passed away. But I kept paying on my bill. I called them to ask them to reverse all the charges and they wont do it. I called them for numerous months and tried to get this resolved and to no avail they wont do it. I talked to a man in the escalation department and it sounded like he was going to get it taken care of but never heard back from him. I thought every person that I talked to understood it was their mistake and I ended up paying for their mistake. I feel that I should be reimbursed for all the charges since they did it before and I dont even qualify to use the benefit. I told them I didnt want it when they refunded the charges the first time. I have all my statements to show the refund and then the following months all the charges that they gave me. I have a limited amount of income and dont think its fair for me to have to pay for their mistake. The refund amount back in XX/XX/XXXX was for {$1100.00} that included them recalculating the interest. The amount from XX/XX/XXXX to XX/XX/XXXX for the the fee is {$440.00} not including the amount of extra interest they charged for the higher balance due to the fee being on there. I would like this matter taken care of as soon as possible. I called from XX/XX/XXXX till XXXX or XX/XX/XXXX. Since they refused to take care of this matter I ended up getting all my statements that were needed to show proof of what I was talking about. That took a little bit of time since I had to request the older statements only 12 at a time. I would appreciate any help you can give me in this matter. 

Thank you, XXXX XXXX
Consumer complaint received 2022-04-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX in the amount of {$880.00} I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. XXXX XXXX attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX XXXX reinserted this fraudulent account without my knowledge or validation XXXX XXXX, XXXX and has been reporting it on my credit file as of XX/XX/XXXX. Texas has a 4 yr statute on collections and we have entered year 6 with no validation. I have sued Equifax and won just in the past year and will sue again if this fraudulent account isnt deleted indefinitely. Equifax or XXXX XXXX has yet to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX XXXX XXXX XXXX and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted again XX/XX/XXXX as well and has been reinserted a 3rd time without my knowledge or verification of this debt. XXXX has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!! This is hindering my home buying process and job hiring process. This is against the law and I will take legal action again if needed.
Consumer complaint received 2021-05-13
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. (NY)

I have made numerous attempts to get Experian to correct my credit card balances. I am told each time that they will update the information as soon as the creditor notifies them. It has taken sometimes 3 months. I want to know why they can confirm that a negative account is valid sometimes within the same day as the dispute but when it is in the favor of the Consumer it takes them 30-90 days. It is my understanding that they must report correct information. I think 15 days after a payment has been processed is sufficient enough time to reflect on a credit report. I also question why my score will drop 15 points if a collection is reported but then when I successfully dispute it my score only improves by 3 points. Something has got to be improved for processing. If they are going to be allowed to report payment information then it should be accurate at all times.
Consumer complaint received 2017-06-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (TX)

I received a debt collection notice from American Medical Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Their bill clearly states that I was never sent a bill by the original company XXXX XXXX XXXX and that the charges were not included in any bills I received from my Doctor Or Hospital. <P/>In addition states falsely that I have not responded to them. That is not true. I did in fact call them as requested. <P/>The amount is {$85.00} I do n't believe I owe them this or anything else. This is also approximately two times that the amount they sent me originally and I called to protest that I received no bill from the original company. <P/>It all went through XXXX XXXX XXXX XXXX XXXX and I along with a rep from XXXX XXXX XXXX talked them on the phone and told them they were using the " wrong billing code ''. I have a mediation request # XXXX with The Texas Department of Insurance. So far they have not really responded with useful information. <P/>They threatened [ If we do not receive your payment, our client has authorized us to continue our collection efforts that can include the reporting of your unpaid account to XXXX or more national credit bureaus. We urge you to take care of this matter. You may call us at the telephone number above if you have any questions. Otherwise please mail your payment with the bottom portion of this letter. ] I believer this is a scam and totally illegitimate. <P/>States " Credit at risk '' all over it. <P/>There is no way this is legitimate.
Consumer complaint received 2015-05-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (VA)

I was reviewing my an account and noticed a payment from XXXX two days ago that put my account in negative and was not even supposed to be taken out.So the his messed me up in depositing money as I was unable to cover this and what I was originally depositing into account to cover so as a result my account was charged a excessive overdraft fee for {$100.00} and today found XXXX did not even clear when it had time when originally submitted into my account plus another {$36.00} overdraft fee.I fear another {$100.00} plus {$36.00} will be added during the night aether I put money into account later today or not and wipe half my paycheck out just for this mess.
Consumer complaint received 2022-04-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

I was sued by Midland funding on a debt that they purchased. The debt was charged off. They have a totally different amount than the charge off. They NEVER gave me Notice. After reaching out to them, plus number of times challenging through the credit bureaus I finally had them send me some documentation concerning the debt in question. I researched Midland and found that they filed suit on XX/XX/XXXX in XXXX XXXX and posted service to XXXX XXXX XXXX XXXX XXXX Virginia XXXX Please see Attachments : I have not lived at this location since XXXX. 

So for starters, this was a volitation of Federal law given the facts that in their possession from the documents they sent me shows Clearly that I lived at XXXX XXXX XXXX XXXX Virginia at the time from the creditor 's Statement balance of {XXXX} Which I may add is in XXXX XXXX XXXX  XXXX Virginia Not XXXX XXXX. Please see Attachments : As I mention those two facts shows they are in violation of Federal Law. 
In XXXX was was living in XXXX XXXX up to XXXX. I was living in Maryland from XXXX until XXXX and I did not get notice of none of this process from this company. 
However this company chose to Violated federal Law and my rights by posting a notice on an address that I have not live at since XXXX which was a convenience to them instead of following federal Law. 

They sued for {XXXX}, the account had a balance of {$670.00} on my credit it shows {XXXX}. Collection another violation of my rights with the wrong amounts. see Attachments : This company has refused to remove this off my credit and caused me to miss out on buying a house and brought my credit down.
Consumer complaint received 2022-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (MI)

Ive mad several attempts to dispute a error on my credit report. XXXX fail to take the proper steps once I fully communicate the error that was made on my credit report. Im being held responsible for a debt that is not my original creditor. In section 611 states I have the right to report misinformation/ error on my credit report. Information that was reported to my credit report is not truthful because I did not have service or a contract nor was I legally bind to pay Southwest Credit. Southwest credit should be deleted from my credit report because this company is not my original creditor.