davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$1600.00}
Consumer complaint received 2022-05-03
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. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have informed them on several occasions ( at least 5 times ) and the other major bureaus ( Equifax, ) that the only Name, Address, and Telephone # and Employer that should appear on my credit report is the following : address :
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (AL)

I Rented a house at XXXX XXXX XXXX XXXX in XXXX Alabama from XXXX XXXX XXXX ( XXXX from here on ) I had a 1 year lease, at about 1 year 4 months into the rental in XX/XX/XXXX I went to the XXXX office to pay the rent and it was closed, I returned the next day and the secretary told me I owed a XXXX dollar late fee, I told her I was here yesterday during business hours ( not lunch ) and the office was closed I'm not going to pay a late fee! She told me it doesn't matter I still owed the fee, I paid the rent minus the fee and told her I was moving. 
I had been trying to get XXXX to move me to another house as I has very bad problems at this address. An Alcoholic  named XXXX burned the house right next door to mine down and he was still around the neighborhood and would flip over my garbage can looking for food and booze and the man was clearly psychotic, my lawnmower was stolen off the porch where it was chained, I had homeless people who would sleep on the porch, I had an incident where 2 people walked in the front door and I had to fight them out. A XXXX delivery with a value of several hundred dollars disappeared off of my porch post delivery, these are just a few examples so I wanted to move anyhow, XXXX has 100 's of rentals and couldn't or wouldn't give me another one to move to, so I moved! 
In XX/XX/XXXX, about 3 years later a hit shows up on my credit report from Smith Rouchon collection agency claiming I owed XXXX dollars they were to collect for XXXX, I told them I don't owe XXXX  anything and in fact they owe me deposits and fees.. 
Here is why I have filed this complaint with consumer finance, I was at XXXX XXXX starting new service several months ago, about 5 years prior XXXX XXXX had placed an account in collections without ever notifying me and I paid Smith Rouchon the bill in full but they never forwarded the info to XXXX XXXX that I had paid it and XXXX called them on the phone to inquire as to if I had indeed paid the bill and they told them that I had paid it in full, THEN the person at Smith Rouchon voluntarily told the utility dept. that I had an outstanding collections account from XXXX  that I explained above in an attempt to cause me denial of services! My research has indicated that this is against the law! I intend to persue this matter to it's completion. I'm not going to allow these people XXXX and SRC to coerce a nickel out of me and we may all be going to court as I am consulting attorneys about all this! I have a witness that overheard the conversation that SRC had with the utility dept. so for them to deny this is a waste of time! I owe XXXX  nothing and will not pay! They owe me!
Consumer complaint received 2021-10-10
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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2019-08-28
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: EQUIFAX, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-01-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc. (TX)

Collection Agency " Credit Systems International '' ( https : //www.creditsystemsintl.com/ ) called my cell phone ( week of  XX/XX/XXXX ) trying to collect a medical debt, without any prior written notification. Collector would only state the amount owed. Collector had no knowledge of the date of service, service performed, my patient account number, and had an incorrect address stated for my home address. Collector told me that they had just received the referral and they were attempting to collect a debt under my name. In turn they stated it was my responsibility to contact " XXXX XXXX XXXX '' in XXXX, TX that was where their referral come from. The collector did not have " XXXX XXXX XXXX  '' address, phone number, or a contact person. The collector just said, " you can XXXX '' and get that information since you did not pay your bill. 

" Credit Systems International '' only had my name and the amount owed, but absolutely no other information. But I was fortunate enough to be assigned an collection account number : XXXX. 

After multiple attempts, I located " XXXX XXXX XXXX '' supposedly an outsource for XXXX Hospital in XXXX, TX. The charges were from a XX/XX/XXXX hospital stay, that I have never received a billing notice for, because of an incorrect address. " XXXX XXXX XXXX '' were billing on behalf of Dr. XXXX of XXXX Hospital, XXXX, TX. The billing clerk admitted that they had an incorrect address, but had a correct phone number ; she stated they never tried to contact me direct and sent the bill to a collection agency ; " Credit Systems International ''. 

In turn since I was never billed correctly, and the calendar year has changed to XX/XX/XXXX ; I am unable to access funds from my health saving account to pay for a medical billing from XX/XX/XXXX. 

I have made arraignments to pay XXXX direct. But the collection agent has a partial profile/file on my billing and is still trying to collect this debt without proper knowledge of the billing situation.
Consumer complaint received 2023-04-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (TX)

On XXXX 2023, & XXXX of 2023 I called the company and ask one of the Representatives for a hardship help because I was a XXXX survivor but I had just XXXX and I was unable to work. They denied me. They proceeded with repossession, I explained to them that I will not be out from work long but I just need time because, I had been dealing with it since XXXX. They denied me. So I took a look at my contract and cried, they were charging me 20 % interest and my payments were XXXX a month. I told them Im a single parent its no way I couldve done theirs I was hurt at all the hidden things done. They truly messed over me.
Consumer complaint received 2021-10-10
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. (NY)

I attempted to purchase a living room set but the order was cancelled. XXXX XXXX XXXX ( XXXX ) is reporting an open account on my TransUnion credit report and I never got the furniture. And they are reporting my account as being delinquent 90 days which is negatively affecting my score with TransUnion.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (LA)

XX/XX/2016 ambulance ride to XXXX XXXX XXXX hospital in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX keeps putting on my credit 2 XXXX $ charges. The whole problem with this is that I keep telling them to contact the Louisiana Medicaid office for their payment due to being insured then and continue to be still to this day. They should have long been paid that off. I have disputed a few times but it always randomly comes back but with a more current start date. It is really affecting my life and the ability to make progress in this regressing society with these minute Ill-advised fabricated collections accts/charges. XXXXXXXX XXXX is the collection company that keeps hArassing me about the XXXX XXXX charges. Idk what is so difficult about contacting the dept of Health n hospital or whoever is responsible for paying Medicaid covered patients expenses.I thought our tax dollars also went towards Such. Guess were lied to about that too
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2016 ambulance ride to XXXX XXXX XXXX hospital in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX keeps putting on my credit 2 XXXX $ charges. The whole problem with this is that I keep telling them to contact the Louisiana Medicaid office for their payment due to being insured then and continue to be still to this day. They should have long been paid that off. I have disputed a few times but it always randomly comes back but with a more current start date. It is really affecting my life and the ability to make progress in this regressing society with these minute Ill-advised fabricated collections accts/charges. XXXX XXXXl is the collection company that keeps hArassing me about the XXXX XXXX charges. Idk what is so difficult about contacting the dept of Health n hospital or whoever is responsible for paying Medicaid covered patients expenses.I thought our tax dollars also went towards Such. Guess were lied to about that too
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$150.00} XXXX XXXXXXXX {$13000.00} XXXX {$9100.00} XXXX {$4600.00}
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I had a collections account with XXXX XXXX  XXXX that has been paid in full and closed ; however, it still shows up on my Experian and XXXX credit reports as an open collections account. 

Once the debt was paid, I notified the credit bureaus immediately, forwarded the letter that I was provided, and asked that they update my reports accordingly. XXXX updated that account accurately as paid in full and closed. Experian and XXXX however continues to report that account as an open collections account that is in derogatory status with a {$0.00} balance. I've contacted the creditor by email and asked if they can reach out to the bureaus to notify them stating specifically that the account is closed ; however, they have stated that the letter that they provided was the only notice that they would provide. I can include that letter with this submission. In the email, I asked if she can confirm that the account is closed since the debt is settled in full and she has stated that that is correct. I enclosed the email thread that contains the conversation with this submission as well. I contacted the Experian and XXXX and they have stated that they must have a statement from the creditor, specifically stating that the account is closed. I have run out of options at this point and would need your help to correct this matter.
Consumer complaint received 2021-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (TX)

Mountain Run Solutions at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, has been sending me collection notices through text and written notices in the amount of {$1500.00}. The collection has been reported as past due balance. I DO NOT know this company nor have I ever done any business with this company. The company does not have a contract with my signature and has failed to respond to any written notifications to validate their claim. According to the FCRA, Mountain Run Solutions had violated my rights as a consumer and I am requesting legal action to remove this from my report immediately.
Consumer complaint received 2019-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Holdings, LLC (MO)

Day Knight & Associates, a debt collection agency based in XXXX, MO, filed a collections account on my credit reports with XXXX and XXXX for a medical debt that I have no knowledge of, from a doctor 's office that I have not been to in many years. No party involved has ever sent me a bill or attempted to collect any debt from me, which means my best " evidence '' for my claim is the lack of having ever received any sort of bill/invoice. I have disputed this account at both credit reporting agencies. XXXX  deleted it from my account in less than a month from my dispute. XXXX attests that Day Knight has " verified '' that this account belongs to me and has since refused to delete the invalid account from my report. I am now on my third dispute with XXXX, again for an account that I have no knowledge of and no company has attempted to collect from me, including the mentioned collection agency.
Consumer complaint received 2020-12-14
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. (UT)

For the past couple months I been very overwhelmed with this situation. The credit bureaus have been ignoring my right. This company is reporting inaccurate misleading information I have spoke to the creditor and verify the information. I have spoken to the credit bureaus and they keep takings me in loop around with no answer or any verified information. Im have stayed up countless our and spend over 100 hours trying to figure out this situation. The credit bureaus have not been taking any action to resolve this dispute but sent me to there E Oscar system. This action is really hurting my ability to get credit. This mistake can cost me a few thousand of dollars Over my lifetime. Plz help me solve this situation.
Consumer complaint received 2021-12-07
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. (NY)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$13000.00} XXXX {$9100.00} XXXX {$4600.00}
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (MS)

A debt collection agency by the name of Online Information Services is reporting a debt on my XXXX, XXXX, and XXXX Credit reports. The amount of the debt reports to be for {$700.00}. The report that the account Original Creditor was XXXX XXXX XXXX XXXX and was opened on XX/XX/2020. 

I have filed several disputes with this debt collector as this was an account that I have no knowledge of nor did I authorize it being open. It is the result of some form of ID Theft. however, the company always comeback with the standard response as, " Verified as Accurate ''. However, no further details are provided. No copies of a DL or any type of documents to suppose the opening of the account. 

As a result of this inaccurate and incorrect reporting, my security clearances with my present employer are in direct jeopardy and I could very well loose my job. To that end, I am requesting a thorough review and these reporting 's be removed from my XXXX, XXXX, and XXXX credit reports immediately and sent back to the original creditor for further review and investigation.