davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Ive recently went to two dealerships to obtain an auto loan. 

Both places ran my credit through a total of 20-23 companies/hard inquiries. 

Transunion and their XXXX Score ( they developed ) are treating every inquiry as a separate one ; not as one inquiry within the 30 day reporting period. 

Additionally, I called Tu and they told me well other things are your report caused this when in fact, thats not possible. Two negative accounts were actually removed from my account in this same period. Not one other reporting agency, whether FICO of XXXX, has counted each of these inquiries individually. 

My score. My XXXX XXXX TRANSUNION score dropped XXXX points in a day! Ha! They docked me 5 points per inquiry instead of just ONE. 

If this affects my ability to get credit I intend to sue Transunion and any agency or third party in charge of oversight and compliance of Transunion. This needs to be fixed at once.
Consumer complaint received 2018-04-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: United Student Aid (USA) Funds (NV)

United Student Aide Funds started garnishing my XXXX   benefits for {$150.00} on XX/XX/18, and again on XX/XX/18, with  out warning me. I have spoken to the US Dept of Ed and was told that my loans were suspended because I am XXXX XXXX. I have started a repayment with United Student Aide Funds, but I am concerned that they will garnish me next month.
Consumer complaint received 2018-10-10
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (AL)

Payment History Information is Incorrect. 

I have currently TWO missed payments for my student loans but I indeed made those payments on the website. 

My account has an auto debit on the account and unfortunately there website had lot 's of issues with not charging my bank account. 

I made a payment with a confirmation email and everything but weeks later it still showed I missed such & such amount of days until they reported it to the credit company. 

I have made EVERY payment every month but for some reason on XXXX, it shows I was late which is wrong. 

I have called the student loan company and they said this was forsure there fault and error but I haven't still heard back from them. 

Below I will show screenshots of all my payments made except for that one month.
Consumer complaint received 2021-12-05
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: EQUIFAX, INC. (GA)

AS I REVIEW MY CREDIT REPORT TODAY I NOTICE THAT THERE WERE SEVERAL INACCURATE ITEMS THINGS FROM 7 YEARS AGO AND NONE OF THE BIG 3 WILL CORRECT THEM THERE ARE ITEMS ON MY REPORT THAT I NEVER HAD ANYTHING TO DO WITH I HAVE BEEN ASKING FOR HELP NOW FOR 5 YEARS AND IT SEEMS NO ONE WILL HELP ME WITH THESE 3 COMPANIES THERE ARE ITEMS FROM XXXX SHOWING ON MY REPORT WHICH ARE PASS THE 7 YEARS BUT WHEN I CONTACT THEM THEY SAY THE DATE START OVER. I HAVE NOW NOTICE HOSPITAL BILL ON MY REPORT I HAVE NOT BEEN TO THE HOSPITAL IN YEARS ABOUT 20 SO HOW DO I OWE A BILL MY WHOLE REORT IS BEING REPORTED INACCURATE I DONT KNOW WHAT ELSE TO DO BUT TRY AND GET A LAWYER I PRAY THAT THE CFPB CAN HELP WITH THIS PROBLEM. THANK YOU
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am disputing the validity of the bankruptcy record your organization has included with my credit report. I have disputed in the past. Additionally, I am unable to properly dispute via your website.

I request that you provide the method of verification bankruptcy record youve listed on my credit record, please include the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; ( e ) the documentation used to verify ; This is my right under the Fair Credit Reporting Act : FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days or deleted the bankruptcy from my record
Consumer complaint received 2023-04-07
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-04-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (IN)

The last day XXXX XXXX XXXX and Resurgent Capital reported to the credit reporting agencies was XX/XX/XXXX. On that day they reported I owed {$740.00}. 
It is now a month later ( XX/XX/XXXX) and they are still reporting that I owe {$740.00}. In addition, they have already garnished my paycheck for MORE than that amount. The total money they fraudulently took from me was {$1000.00}. 
It has been more than enough time for them to update this and report that the matter has been closed and to remove it from my credit report. 
They fraudulently ballooned the charges up to {$1000.00} when they asked for the garnishment order. They NEVER reported that amount being owed to the credit reporting agencies. 
XXXX XXXX XXXX and Resurgent Capital Services L.P. have unlawfully collected on this debt. I have not signed any agreement or contract with either of these entities. This is a common action they often abuse unjustly and unfairly by doubling or quadrupling the debt when they acquire it even when the debt has been charged off or exhausted. 
They have not stated the date in which they claim to have taken ownership of this debt AND they have not even provided proof of their ownership of this debt. Instead they were hoping to scare me into inaction so they could get a default judgment. This is an unscrupulous practice whereby they purchase debts for as little as possible by only obtaining the bare minimum amount of information needed in order to threaten and coerce the consumer into making payments. 
Another routine practice of theirs to trick consumers out of their hard- earned monies is they often pass the debt between their multiple entities ( Resurgent Capital Services LP , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in order to entrap, trick, and restart the debt, which supports ethical fallacies, rationale fallacies and rhetorical fallacies which is reprehensible by all means, despicable and corrupt. 
Anyone who spends any time researching XXXX can find numerous examples of their phony business conduct, which are unfair and deeply troubling.
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (MI)

Since XXXX of XXXX I have yet to received a response from Equifax from ANY investigation. They have continued to violate my rights and stall me out. I have sent multiple letters and multiple disputes and haven't heard back. This is so ridiculous! I am a single mom working hard to buy a home and they don't even have the decency to respond? I GAVE THEM AMPLE TIME. I believe this company should seriously be investigated for consumer violation. They are reporting incorrect information defaming my character and its hurting my life. I am XXXX single mother of a XXXX XXXX XXXX. I am working hard everyday to make sure I have a fighting chance in this world of inflation. All I asked was to be treated like my concerns was considered.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report and it is now over 40+ days later and I have not received a response yet. I feel as though I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been long over 40 days so they should be deleted prompted. I demand these accounts be deleted immediately or I will file for litigation due to the stress I have been caused. My information was also impacted by the XX/XX/XXXXdata breach and may have gone into the wrong hands.
Consumer complaint received 2019-08-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credence Resource Management, LLC (OH)

This company ( that never stated their name directly I only found it through my XXXX app ), initially contacted me on XX/XX/2019 about a debt owed to XXXX XXXX XXXX XXXX. After explaining the extenuating circumstances and that I wasn't able to pay the amount they demanded and asked for them to cease contact, they began to harass me for phone numbers of my spouse and family members to get the debt paid. I refused to give them any information and hung up on them when they began yelling at me. They have continuously called me every day since then despite my asking them to stop.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Experian XXXX XXXX  both have a debt listed on my credit report as XXXX XXXX XXXX XXXX  '' or " XXXX ''. These are medical debt that have previously been removed from my report and marked as identity theft -- The original creditor, XXXX XXXX, was informed and subsequently removed the accounts from my report. 

However, the debt was sold ( again XXXX and now the new debt collection agency ( XXXX  ) listed the items on the credit report. When attempting to dispute the items Equifax correctly removed the debts, but XXXX XXXX Experian both " verified the information as accurate ''. 

In my dispute I CLEARLY asked for proof of debt as per section 609 of the Fair Credit Reporting Act-a creditor or collector must provide you with a copy of the original, signed consumer contract, sales agreement, or other initiating documentation XXXX financial responsibility agreement for medical bills ) once it is demanded by a consumer. Not only did they not provide this documentation -- they simply left the information on my report. 

This is also a potential HIPAA violation. Providing said documentation would be a direct HIPAA violation- as it would disclose medical diagnoses and test performed to whomever the actual owner is!
Consumer complaint received 2021-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

I was looking over my credit score through XXXX and noted a derogatory claim I had never seen before. I reviewed it, and it claimed I owed XXXX dollars to Florida XXXX XXXX XXXX. The claim was reported by Amerifinancial Solutions. I have never been contacted by either of these organizations about this debt, nor have I ever utilized the services of Florida XXXX XXXX XXXX. I only learned about this claim reviewing my credit report
Consumer complaint received 2019-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I mailed Portfolio Recovery Associates, LLC a letter requesting debt validation in XX/XX/2019. In that letter I requested that the company send me original contracts and complete billing history. The company failed to validate the debt and mailed me a photo copy of one billing statement. This does not prove this debt is mine. The company also filed a civil suit after not validating my debt.
Consumer complaint received 2019-10-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am writing this due to non-compliance with ( XXXX, Equifax, XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past.

I strongly believe that they are in violation of the Federal Credit Reporting Act, ( FCRA ), and are outright refusing to uphold the law.
Consumer complaint received 2021-12-22
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. (NC)

Hello. I am a consumer whose rights were violated by XXXX, Transunion, and XXXX. I pulled a copy of my consumer reports on XX/XX/XXXX. I read through all of my reports and did some research. I realized that I have been ignorant of the law and that I have been violated by these agencies. I filed an identity theft report, then mailed a copy along with dispute letters to XXXX, Transunion, and XXXX on XX/XX/XXXX to confirm that I didn't provide written consent, permission, or instructions for these transactions to be reported to my credit report. These transactions also should have been excluded from my consumer reports because I did not give consent, and there is no permissible purpose for these items being reported. None of the companies reporting gave me the option to opt-out from reporting, nor did I give them permission to report anything. I checked the post office website, and I know XXXX, Transunion, and XXXX received these letters on XX/XX/XXXX. I gave them 4 days to block and remove these items. Today is day number 4 and I haven't received a response. Here is the list of items they were instructed to remove : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (OH)

I am writing to you to complain about Diversified Consultants XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX. I have found adverse account information listed on my credit reports, XXXX, XXXX, XXXX, and XXXX. I have no known or verified accounts with this business and after repeated verification request Diversified Consultants has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XXXX, XXXX, XXXX, and XXXX as recent as XX/XX/2019. Diversified Consultants has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the four major credit bureaus. The erroneous account is in the amount of {$460.00}. The account is erroneous and not a result of any transaction that I have made as I am a victim of identity theft. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit, business opportunities and adequate housing. I attempted to contact Diversified Consultants multiple times via registered USPS certified mail with return receipts which prove Diversified Consultants has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Diversified Consultants has misrepresented this account by changing various account information, such as account number and account type. This account has been blocked from my credit reports with all four major bureaus in the past due to identity theft. This is the reason they are changing various account information. I know Diversified Consultants is very aware of my identity theft status and they are in receipt of my most recent documentation they received with signature conformation on XX/XX/2019. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX
Consumer complaint received 2022-05-03
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. (PA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX  refused to send my 2023 statements and didnt notify me my account was closed after I made several payments in the last 90 days from today. Today Im attaching proof they took a payment from my account the was unauthorized to applied toward a closed account
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX XXXX, XXXX must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below is the account that need to be removed : XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-04-07
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. (TN)

I disputed these unauthorized inquiries on my report with each credit bureau. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2021 I contacted the bureaus regarding the alleged authorized user on my accounts and there are none. I have never set up nor had authorized users on my accounts. I spoke with XXXX at XXXX at XXXX XXXX EST. He confirmed there are no authorized users listed on my account and there is no information in their system that shows there ever was an authorized user. I spoke to XXXX at Equifax at XXXXXXXX XXXX EST and I spoke with XXXX at XXXX at XXXX am EST who both also confirmed the same information as XXXX. 

The CFPB did close all complaints where the bureaus intentionally provided this inaccurate information. I believe the bureaus lied to the CFPB to get my complaints closed out so they do not have to resolve my credit report issues. This is causing extreme distress in my personal finances and I need your help. These inaccuracies are adversely affecting my credit report and need to be removed immediately. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. 

Since the bureaus are intentionally providing false information to the CFPB I do not believe they intend to complete their investigation or provide accurate reporting on my credit. The bureaus are also in violation of the FDCPA Section 807 by providing misleading false reporting. I am reaching back out to you to assist me in resolving this matter asap. 

I am demanding that these items be removed from my credit reports immediately or I will have no choice but to file for litigation due to the unnecessary stress this has caused me.