davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
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. (IL)

On XX/XX/XXXX I PURCHASED A COPY OF MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX. THIS REPORT SHOWED SEVERAL ERRORS ON MY REPORT AS WELL AS INCORRECT AND INCOMPLETE ACCOUNTS REPORTING ON MY CREDIT REPORT. I SUBMITTED SEVERAL LETTERS TO THE CREDIT BUREAUS IN AN ATTEMPT TO CORRECT THE ERRORS. THE CREDIT BUREAUS HAVE YET TO CORRECT THESE ERRORS. THEY ARE NOT EVEN INVESTIGATING MY CHALLENGES TO THESE ERRORS. THEY ALWAYS COME BACK VERIFIED BUT IF I AS A CONSUMER CAN SEE THE ERRORS HOW CAN THEY NOT? 
XXXX XXXX TRANSUNION
Consumer complaint received 2021-07-24
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. (CA)

Experian is reporting a collection account on my credit report from XXXX XXXX XXXX and is reporting an original amount of {$2600.00} this amount is erroneous the right original amount is {$2600.00}. Attach to this dispute I am sending a letter from the original creditor where it shows the original amount to prove my claim.
Consumer complaint received 2024-02-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I rented this apartment in XXXXXXXX Washington with me and my mother. We we do not owe this debt of the amount they say we owe. We were sued for it and are being forced to pay it. We got an attorney and they found out that its not our debt to pay. We are on section 8 housing choice voucher receipt and we satisfied our financial obligations under the lease agreement before my departure in XXXX of 2022. The plaintiffs records confirm this and a review of the ledger, filed by the plaintiffs, shows that my balance at the time I vacated was $ XXXX I believe that the subsequent entries in the ledger pertain to a different tenant that we dont know. The name of the company is Columbia debt recovery LLC {$7000.00} dollars.
Consumer complaint received 2022-12-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00}.
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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, TX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX MD XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-19
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: HCFS Healthcare Financial Services of TeamHealth (OH)

On XX/XX/2018, Account Resolution Service added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, Account Resolution Service has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2022-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (WA)

This company bought a fraudulent account and is trying to hold me responsible for this account that isn't mine. This company still hasn't provided me any legal contracts that holds my signature or anything else and now that I know they bought this fraudulent contracts I need them to show me where they have legal grounds to come after me for such said account a d tge know its no mines this has already been removed from 2 of my 3 credit report this company need to remove this from my XXXX report or I will take legal action
Consumer complaint received 2021-07-24
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. (CA)

Transunion is reporting a collection account on my credit report from XXXX XXXX XXXX and is reporting an original amount of {$2600.00} this amount is erroneous the right original amount is {$2600.00}. Attach to this dispute I am sending a letter from the original creditor where it shows the original amount to prove my claim.
Consumer complaint received 2024-03-06
Product: Credit reporting 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. (IL)

After reviewing my consumer report I noticed hard inquiries that I did not authorize, I did not make nor did I approve ANYONE to pull my credit. 
Delete these inquiries off my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-29
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. (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2024-02-05
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (LA)

Discover Financial sent a 1099-c cancellation of debt to the IRS in XXXX. I never received the document in XX/XX/XXXX. i do not recall ever having a card with discover. I called Discover to request statements of the so called account. They responded the account was opened and closed in XXXX and they charged off in XXXX and they do not keep records after 7 years being XX/XX/XXXX-XX/XX/XXXX. How can they claim a debt with no proof? What are my legal rights disputing them?
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

XXXX is attempting to enforce a cancellation penalty that was never agreed to. I've contacted both XXXX and Convergent requesting documentation that establishes an agreement between myself and XXXX including cancellation fees. No such documentation exist, and thus has not been provided. Despite these request I continue to receive debt collection efforts by Convergent.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX reporting as deceased, XXXX account # XXXX reporting as deceased, XXXX 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 Section2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681s-2 ( A ) ( 1 )
Consumer complaint received 2022-01-30
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. (NC)

XXXX  has reported my XXXX payment as late after correcting it again last month. In reality, the XXXX, XXXX, XXXX payments were not late.
Consumer complaint received 2022-12-05
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Mortgage account # XXXX, XXXX Account # XXXX, XXXX XXXX bank Account # XXXX, XXXX XXXX bank account # XXXX, XXXX card account # XXXX, XXXX XXXX reporting as deceased, XXXX  account # XXXX reporting as deceased, XXXX XXXX, XXXX XXXXXXXX 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 Section2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681s-2 ( A ) ( 1 )
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (CO)

I had a debt with XXXX and i paid it. I have since incurred a duplicate amount on my credit report from a company for XXXX. I have told them that this has been paid but not had any success. Please help me to get this resolved.
Consumer complaint received 2024-02-03
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (WI)

I cancelled XXXX XXXX  several years ago. I asked repeatedly why they were billing me for {$110.00} when they confirmed I'd already returned the material they wanted. They never answered and never told me. Since then they have repeatedly filed with all three credit agencies for the {$110.00}. This charge is always removed when I dispute it. Today it went to XXXX, and I disputed it. They change collection agencies, and then refile the debt. They are only allowed to do this once, and they have done it at least five times. I am not paying them. I don't want to have to keep disputing these submissions and want them to be made to stop. If you are not the appropriate place to file this complaint, please let me know. Thank you.
Consumer complaint received 2022-01-29
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. (IL)

On XX/XX/XXXX I PURCHASED A COPY OF MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX. THIS REPORT SHOWED SEVERAL ERRORS ON MY REPORT AS WELL AS INCORRECT AND INCOMPLETE ACCOUNTS REPORTING ON MY CREDIT REPORT. I SUBMITTED SEVERAL LETTERS TO THE CREDIT BUREAUS IN AN ATTEMPT TO CORRECT THE ERRORS. THE CREDIT BUREAUS HAVE YET TO CORRECT THESE ERRORS. THEY ARE NOT EVEN INVESTIGATING MY CHALLENGES TO THESE ERRORS. THEY ALWAYS COME BACK VERIFIED BUT IF I AS A CONSUMER CAN SEE THE ERRORS HOW CAN THEY NOT? 
EXPERIAN XXXX XXXX
Consumer complaint received 2022-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX. I just received an attempt to collect a debt from CAPITAL ONE. I have never authorized this debt with CAPITAL ONE. I want to formally dispute the lawsuit case # XXXX with the balance of {$6200.00}. I was and am a victim of identity theft because I realized that this account was open by XXXX XXXX XXXX but my name is XXXX XXXX XXXX and I do not know anything about this person. 
I have tried to dispute this ID Theft issue with Capital one, hoping to remove this case .However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner
Consumer complaint received 2020-01-24
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: Collection Information Bureau, Inc. (FL)

Medical claim on my report that when I called them they do not have my information. I have tried fixing this issue with the creditor but they say there is no record of myself on their records. I have had insurance for the last 4 years and have paid all my medical dues.
Consumer complaint received 2022-01-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, I had recently disputed inaccurate data points that have been incorrectly reported by Transunion. There were inquiries placed on my personal credit file through the Transunion reporting platform that I did not authorize. I had disputed this information with Transunion through the FCRA dispute process and had the documents delivered certified USPS mail to this specific credit reporting agency. I provided all documentation that was needed in order for the agency to investigate properly, and yet the agency never conducted any investigation into my dispute. As matter of fact, and adding insult to injury, Transunion never responded at all. This is a violation the FCRA as well as CFPB dispute guidelines that are clearly laid out on the CFPB website. Transunion is negligent, and also complicit in their enablement of identity fraud. Also and in addition, I reached by phone to Transunion on 3 separate occasions and requested that they remove 2 security freezes from my credit file. Their automated customer service menu options almost forces a security freeze on your file prior to attempting to reach a live person. The agency never removed the credit freeze. I then submitted a dispute to Transunion using the same FCRA certified mail dispute process, while yet and still Transuinon refuses to process this particular request as well. As of today, XX/XX/22, the security freeze is still placed on my file. After only making efforts to correct only 2 % of consumer disputes, Transunion not having clean hands are negatively effecting my credit report which have damaging impacts on myself and my children. What do we do now? Credit reporting agencies seem to have gone completely " off-the-rails '' so to speak. I have attached screenshots as documentary evidence showing all of the documents that the bureau received on my behalf.
Consumer complaint received 2022-01-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (IL)

A collection agency, Harris & Harris ( XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Illinois XXXX, XXXX XXXX XXXX ), contacted me about a debt from XXXX University XXXX XXXX XXXX XXXXXXXX, Illinois. The amount claimed was likely the overage of charges that XXXX does not pay. I did not receive specific itemization of the charges. Harris & Harris called me repeatedly on my home phone. They later sent me an offer of settlement in the mail. They asked for a payment of {$250.00} in settlement of the total they were seeking of {$380.00}. I was able to pay the settlement amount of {$250.00} and paid it online last month. 

They are now billing me for the amount that they had offered to forgive in the settlement. They are billing me for {$130.00}. What's worse is that the hospital system ( XXXX University ) claims that I owe them {$130.00}. 

Harris & Harris offered a settlement through the mail offer that I agreed to, and now claim no settlement was made ; as they and XXXX do not recognize a settlement for less than was originally owed..
Consumer complaint received 2021-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (SC)

I am writing to express my concern with the latest announcment of the USPS First Class Price Increase combined with a slow down of service. Are you kidding me, we will now pay more for poorer service. Add to that the effects this may have on the delivery of bills and payments that are sent via the USPS. I have already received a notice from Wells Fargo offering insights into what I estimate will be one of their latest efforts to cheat average ameraicans out of more money. They see the slowdown in delivery going both directions as an issue. Add to that the extremly slow posting of payments by Wells Fargo and you have given them permission to bilk their customers of even more money by saying their payments did not arrive on time. Yes, there are other options for many, but for thousands of Americans Online Payments are simply not an option. Watch all of the other banks follow, although likely a bit more under the radar.
Consumer complaint received 2022-10-08
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. (PA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-08
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 XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX experian report close accounts over 1000 days old and illegally sell accounts with a illegal collection process If u had a bankruptcy dismissal because U become permanent XXXX Closed account that was sold dismiss payed off still get reported a reported collection account thats not yours just pop up at any given time How u argue with me like Im lying about a account that can not be verified I been apart of the credit bureau breach Its still not fix so I have to suffer for their breach as well as the daily problems We in a pandemic but they dont give a s Sad system main focus is to keep certain people permanently down How I supposed to apply for a house loan when credit bureau report closed account accounts that not mine
Consumer complaint received 2022-01-29
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: Experian Information Solutions Inc. (TX)

I have been disputing these student loan errors for several months now. I was denied a home loan because of the way they're reporting. Some are stating their closed but 120 days late, or charged off and late. They have been paid for the past 2 yrs. I'm a XXXX XXXX XXXXXXXX veteran and had them all forgiven. I had to use a sub-prime lender to get my home finished and had to pay 5.5 %!! It's hurting me financially, I'm trying to refinance with my VA loan but this is still reporting errors and I've called and written letters to no avail.