davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-20
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: Russell Collection Agency, Inc (MI)

XXXX has been non-compliant with removing the unverified account RUSSELL COLLECTION AGENCY INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that RUSSELL COLLECTION AGENCY INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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. 
XXXX XXXX XXXX # XXXX, has violated my right. 

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 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX  account no. XXXX ..... 

is not mine do a complete re-investigation XXXX account no. XXXX .... is not mine XXXX account no. XXXX .... is not mine XXXX account no. XXXX .... is not mine XXXX XXXX account no. XXXX .... is not mine does not belong to me
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The following " hard inquiries '' are being reported by all three credit bureaus ; ie, Equifax, XXXX, and XXXX. I did not authorize these inquiries. 

I have disputed this information directly with the credit bureaus and the requesting companies, and I have not received any acknowledgment of my complaint or any response whatsoever. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, AZ XXXX ( XXXX ) XXXX
Consumer complaint received 2018-11-20
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. (FL)

The following " hard inquiries '' are being reported by all three credit bureaus ; ie, XXXX, TransUnion, and XXXX. I did not authorize these inquiries. 

I have disputed this information directly with the credit bureaus and the requesting companies, and I have not received any acknowledgment of my complaint or any response whatsoever. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, AZ XXXX ( XXXX ) XXXX
Consumer complaint received 2018-11-20
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: Santander Consumer USA Holdings Inc. (FL)

My credit report and my husband 's credit report both include two accounts that refer to the same debt ( ie, duplicate reporting ), and whose date of last activity and date of first delinquency are both more than 7 years old. We have disputed this multiple times with the companies directly and with XXXX, and nothing has happened. We have also submitted multiple demands for an explanation of their Method of Verification under FCRA 611 ( a ) ( 7 ) and we have not received any reply at all. 

The accounts are : SANTANDER CONSUMER USA Account Number XXXX and XXXX XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

Due date of XXXX XXXX and XXXX XXXX, XXXX XXXXWells Fargo Card Payment was sent to address pre-printed on statement. Payment was never credited. 

Received a {$25.00} penality of a {$22.00} purchase. 

Next payment was sent to address pre-printed on statement 7 days before due date. Payment was credited 14 days after date sent. 

Received statement stating that payment was late. Charged an addtional {$36.00}. 

Contacted business by phone and asked for explanation. Was told that payment had been mailed to wrong address. We pointed out that the pre-printed address/envelope was used. Also that back of statements stated same address. Was told that the billing address had been changed in XXXX. 

Replied that our billing statement still showed the old address at the place to which payment was to be made. After much discussion, agent said that we would be credited with the late penalty charges. Waiting to confirm that this has been. 

Statements for two month had been mailed with the incorrect address. We wonder how many other people have been forced to pay fees because of mismanagement or intentional means to generate money from fees.
Consumer complaint received 2023-03-24
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. (MS)

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. 
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 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 2018-11-20
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. (FL)

My credit report and my husband 's credit report both include two accounts that refer to the same debt ( ie, duplicate reporting ), and whose date of last activity and date of first delinquency are both more than 7 years old. We have disputed this multiple times with the companies directly and with Experian, and nothing has happened. We have also submitted multiple demands for an explanation of their Method of Verification under FCRA 611 ( a ) ( 7 ) and we have not received any reply at all. 

The accounts are : XXXX XXXX XXXX Account Number XXXX and XXXX XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2022-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

This company hasnt verified or validated any contract with me or this company CREDIT CONTROL CORP. I have no alliance or knowledge of this company which seems to be a third party agency that I didnt authorize of any of my medical info including bills etc which is protected by HIPPA this company is misleading CFPB and contradicts their last response. They havent verified anything in regards of this debt or disclosed any contracts with them directly and for its perjury. I challenge this company to disclosed any signed documents/agreements with me and this company to the CFPB and myself. If they dont I will seek legal litigation and will be compensated damages for violating my rights. This never even updated the status as an dispute with the bureaus before which is illegal and i have evidence. They need to stop reporting debt to the bureaus remove reports cease and desist. I WILL NOT SHARE COMMUNICATE or AGREE TO ANYTHING with this company that I have no contracts with. I will take legal actions if they keep using antics and committing perjury
Consumer complaint received 2018-11-20
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. (TN)

Over the past several months I have submitted requests via certified mail requesting proof of validation or removal of several accounts noted on my credit report. The responses I keep receiving are updated credit reports that simply state, Verified As Accurate, without proof of validation for the following accountsXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX and XXXX XXXX  # XXXX.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Over the past several months I have submitted requests via certified mail requesting proof of validation or removal of several accounts noted on my credit report. The responses I keep receiving are updated credit reports that simply state, Verified As Accurate, without proof of validation for the following accountsXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX and XXXX XXXX # XXXX.
Consumer complaint received 2023-03-24
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. (FL)

I received a letter from the XXXX XXXX XXXX saying that my loan was being President Biden paused student Loan Payments until XXXX or until a decision is made by the Supreme Court. I work for a nonprofit. My loan servicer XXXX XXXX XXXX ( XXXX ) ignored the approved pause by the president and reported my student loan as severely delinquent to all three credit bureaus. I immediately sent XXXX a copy of the letter I received from the Department of Education and they just ignored it as they did the President 's pause. 
As a result, my credit score has dropped XXXX points, and my banks and other financial accounts have increased the cost of doing business and interest on my account. 
Even though it is a hardship, I paid two additional payments to the account. To try to avoid this financial train wreck ' until I can find an attorney to address the detrimental effect on my financial reputation Their blatant disregard has had detrimental to my livelihood. 
Please help me with direction on this.
Consumer complaint received 2018-11-20
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. (FL)

Transunion is reporting my XXXX XXXX Account inaccurately. The errors are noted below and seen in Exhibit A : *Worst Payment Status : 30-59 Days Late *Times  30/60/90 Days Late : 3/0/0 *XX/XX/2018 Late Payments are shown for the months of XXXX, XXXX and XXXX XXXX XXXX XXXX , our mortgage servicer, made terrible mistakes on our mortgage account. We tried everything to have them correct their errors, however they completely ignored every request we made. Finally, we contacted XXXX and told them of the inexcusable errors they were making in addition to their repeated ignorance of our many requests to correct the errors. XXXX intervened and the errors were corrected. 
I have disputed the above inaccuracies to Transunion. They advised their investigation was complete, however, they returned the same credit report, with the same errors as before. 
I have enclosed the Complaint to CFPB about XXXX ( Exhibit B ), their response ( Exhibit C ) and our Feedback ( Exhibit D ). Please note XXXX statement in their response, that all errors have been corrected : We have also waived all fees and late charges associated with the issue. We amended the credit for XXXX XXXX for the months of XXXX, XXXX and XX/XX/2018which is confirmed in the attached response to a duplicate complaint that you sent to our Customer Care Department. 
I have also enclosed Freedoms letter dated XX/XX/XXXX ( Exhibit E ) that is referred to in the paragraph above. Please  note the following statements : After reviewing your account, our research confirms an update for XXXX XXXX XXXX has been completed with the four national credit bureaus to reflect the loan as current for the months XXXX, XXXX, XXXX and XXXX, XXXX with XXXX XXXX XXXX. Our update was made manually through our updating system XXXX, which provides our borrowers with an AUD ( Automated Universal Data ) tracking number for the changes made. Please utilize AUD XXXX reference this update. 
We understand you received a monthly billing statement advising a past due amount. An update has been made to include the balance into the completed modification. An incorrect delinquent interest was used during the process of billing statement in which we have corrected. Also, we have waived the previously late fees assessed as well as the additional fees accrued toward the account. 
It appears Transunions investigation did not meet the standards required by law. In addition, we understood the corrected credit report would be re-sent to any creditor requesting same within the last six months and that Transunion would communicate the corrected errors to the three other credit reporting agencies.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2018-11-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION (VA)

I continue receiving bills from XXXX XXXX XXXX on an account that I paid off and closed months ago. I do not understand why I keep receiving invoicesfor an account that was closed months ago. I made my final payment and requested my account closed but approximately a month or two ago, I started getting new bills indicating that I still owed a balance on the account. I called the corporate office and asked to have my concerns escalated to supervisor fora callback but no one hasreturned my call so far. Today, I received another statement showing that I owe {$320.00}. 

WHY DO IOWE THIS AMOUNT? THEY ARE SUPPOSEDLY CHARGING ME A MAiNTENANCE FEE ON AN ACCOUNT THAT I REQUESTED CLOSED MONTHS AGO WHEN I MADE MY FINAL PAYMENT? 

IN ESSENCE, TRYING TO RIP FOLKS OFF BY CHARGING A MONTHLY MAINTENANCE FEE FOR APPROXIMATELY XXXX. WHY ARE THEY MAINTAINING AN ACCOUNT WITHOUT MY PERMISSION I PAID ALL THAT I OWED THE COMPANY AND MUCH MORE THAN I BORROWED BASED ON THE HIGH-INTEREST RATE THAT THEY CHARGE AND NOW THEY WANT MORE MONEY. 

CLOSE THE ACCOUNT AS I REQUESTED WHEN I MADE MYFINAL PAYMENT AND STOP SENDING INCORRECT BILLS TO ME WITH NEW CHARGES.
Consumer complaint received 2023-03-24
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. (NY)

On XX/XX/XXXX I mailed a letter to the credit bureaus requesting that an error either be fixed or removed from my reports however, the bureaus sent me a response stating that the information is accurate and did not change anything. This is a factual error and I am now requesting that they be removed due to their inability to resolve the issue properly. Referring to my XXXX  account, Transunion is reporting my 30 days late on XX/XX/XXXX while XXXX and XXXX are not. XXXX is reporting me 30 days late on XX/XX/XXXX while Transunion and XXXX are not. I have uploaded a copy of the letter I sent out along with the credit bureau reporting.
Consumer complaint received 2022-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (WI)

Im writing to share a serious concern regarding our familys interaction with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX In summary, a billing dispute has now escalated to the point of harassment, and we are asking for your help to resolve this matter. 

Please allow me to share the fact pattern for this issue : -Our son was born at the XXXX XXXX XXXX XXXX XX/XX/XXXX. 
-The birth is a fully covered cost. Our insurance coverage is through XXXX XXXX XXXX, and our healthcare coordinator is XXXX. We have a confirmed EoB [ Evidence of Benefits ] from XXXX stating that this is a covered cost. 
XXXX XXXX XXXX has communicated that this claim has been paid in full. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has been unable to identify the payment. As such, weve been contacted by the XXXX XXXX billing department on several occasions [ dates listed below ] stating that the invoice status for XXXX birth is unpaid and has now gone into a formal collection process. 
-To trace the payment, XXXX has communicated to XXXX XXXX XXXX XXXX XXXX must initiate a request to the local XXXX office to research and find the payment that was made. When weve communicated this requirement to XXXX XXXX, the response has been, Thats not my job. 

Neither XXXX, in its role as the healthcare coordinator, nor we [ the covered parties ] can initiate a check trace as we are not parties to the financial transaction between the payor [ XXXX ], and XXXX XXXX, the payee. 

Weve worked diligently to resolve this matter with XXXX XXXX but unfortunately have been unable to come to a resolution. As mentioned, the tone of the conversation has now been raised to the level of harassment, and this is now unacceptable. 

XXXX XXXX is currently requesting payment of {$380000.00}. Please note that there have been several iterations from XXXX XXXX requesting different amounts. 

Dates of communication : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Attached with this submission are : 1. The EoB [ Evidence of Benefits ] from XXXX stating that this is a covered cost and the payment for this claim has been made. Please note that they payment made is equal to the negotiated rate between XXXX [ our insurer and the payor ] and XXXX XXXX [ the payee ], and is not equal to the amount in the collection 's notice. 

2. The collections notice
Consumer complaint received 2022-07-26
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. (MD)

In accordance with the Fair Credit Reporting act 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 XXXXXXXX, 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 2018-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MI)

I have received a letter from XXXX XXXX stating that they have lowered my credit limit to {$1200.00} from {$1700.00} after I made over {$750.00} in payments to bring the card back to an even debt/credit ratio. I am trying to improve my credit score, and as a result of this action, they are actually doing massive harm to my efforts. This is unfair and uncalled for. My credit score was worse when I got this card 2 years ago than it is now, and yet they're punishing me after I made them large payments to bring this account current. Further, I have called and asked to speak to a supervisor repeatedly and they hang up on me every time I try. This is unacceptable!
Consumer complaint received 2022-07-26
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. (MI)

Employment Info : Self Employeed XXXX XXXX XXXX XXXX. This is inaccurate and I gave nobody permission to post false information or nay information about me. 

XXXX XXXX XXXX XXXX : This is my account and accurate. Only this Inquiries ..... 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have not given any of these company 's permission to pull my credit report. This is inaccurate reporting and I want this removed. 
XXXX XXXX XXXX Reported XX/XX/XXXX {$930.00} Outstanding XXXX XXXX XXXX Reported XX/XX/XXXX, {$930.00} Outstanding. This is not my account. This was my ex-roommate 's account with a rental company and other than living in the same house I had nothing to do with. This is inaccurate and ridiculous. This needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX This is NOT one of my creditors. This needs to be removed asap. 

I am trying to establish my credit and these false and belligerent reporting 's have really messed things up. I hope this gets resolved asap.