davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
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. (VA)

XXXX  XXXX credit card services is reporting to all 3 credit  agencies late payments, open balances and incorrect address / contact information. Card was issued to a corporation not me personally. All payments, statements, credits all transactions were between the business and XXXX XXXX. I never guaranteed the debt or made the charges on the statement. XXXX XXXX refuses to admit the business is closed and wants to damage my credit score. Debt collection agency realizes the charges are not mine and refuses to collect the debt. XXXX XXXX  ignores all phone calls period.
Consumer complaint received 2019-06-21
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. (VA)

XXXX XXXX credit card services is reporting to all 3 credit agencies late payments, open balances and incorrect address / contact information. Card was issued to a corporation not me personally. All payments, statements, credits all transactions were between the business and XXXX XXXX. I never guaranteed the debt or made the charges on the statement. XXXX XXXX refuses to admit the business is closed and wants to damage my credit score. Debt collection agency realizes the charges are not mine and refuses to collect the debt. XXXX XXXX   ignores all phone calls period.
Consumer complaint received 2021-06-11
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. (AZ)

I have made several attempts to get an unvalidated bankruptcy removed. Several attempts have been made over the past 6 months to get full validation of who, when, and where the bankruptcy was confirmed by. After doing an investigation myself, the United States bankruptcy court does not do any business let alone report to credit bureaus. There is a security freeze on my XXXX data minor file that has been there for quite some time so who received the validation for those two companies?
Consumer complaint received 2019-06-21
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. (VA)

XXXX  XXXX credit card services is reporting to all 3 credit agencies late payments, open balances and incorrect address / contact information. Card was issued to a corporation not me personally. All payments, statements, credits all transactions were between the business and XXXX XXXX. I never guaranteed the debt or made the charges on the statement. XXXX XXXX refuses to admit the business is closed and wants to damage my credit score. Debt collection agency realizes the charges are not mine and refuses to collect the debt. XXXX XXXX ignores all phone calls period.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Atlanticus Services Corporation (TX)

I recently disputed this alleged account directly with Fortiva. And later checked my credit report and there was no " NOTICE OF DISPUTE '' in the comment section so I sent another dispute letter pointing out that they're ( Fortiva ) is REQUIRED BY FEDERAL LAW TO NOTIFY THE CREDIT BUREUAS WHEN AN ACCOUNT IS BEING DISPUTED. Which they've failed to do. I have proof! 

a. Time-Stamped copy of my credit reports b. Certified mail receipts c. Including a signature showing that my first initial dispute letter was delivered and signed for. 

Fortiva is in violation of the FCRA Under the FCRA section 623 ( a ) ( 3 ) and or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period This is a federal violation and isn't to be taken lightly. I'm also attaching the dispute letter informing Fortiva that they've violated the FCRA and the FDCPA. They're now being NON COMPLIANT to the federal law! There is NOTHING IN THE COMMENT SECTION ...
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Servatus Corporation (NY)

A collections account was reported to the credit bureaus in the amount of {$450.00}. I sent proof to the collection agency that the account was paid in full a year earlier, however, I have still not received confirmation that the derogatory and patently false notation would be removed.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been oveXXXX XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have inaccurate information reporting on my credit report. The late payments on XX/XX/2022 and XX/XX/2022 on my two XXXX XXXX credit cards are inaccurate and must be removed immediately!
Consumer complaint received 2024-03-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NV)

I got a watch through XXXX back in XXXX  I believe and I got it through finance with XXXX! I went in store and got the watch! It is the most expensive one they have but I never got to make a single payment because they never attached it to my account! I tried many times to make a payment and connect the watch to my account and somehow it was never attached my account always showed no payments and it showed the watch as paid off which it wasnt! I spoke to many people who said the watch would show up and I could make my payments but it never did! Now its on my credit as my fault when its their fault for never correcting the issue!
Consumer complaint received 2021-02-10
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. (CA)

I called the credit card company XX/XX/2020 to ask them to waive a service fee they started charging me after they promising that I wouldn't be charge for it anymore, the amount was about {$8.00}. At the same time I asked for the account to be closed. The agent promised me that the account was going to be closed. To my surprise, the account was not closed and they charged me service fees for the month of XXXX and XX/XX/2020 again and a late fee in the amount of {$29.00} in XX/XX/2020. Once, I found out about it I called them back to have this fees once again waived. They waived the fees again. The total amount was about {$58.00}. At that time I asked for the account to be closed again. They gave me a hard time. Before, this drama I had previously tried to close the account but they agent insisted to leave it open for emergencies and all service fees will be waived. Obviously, this did not occurred. All of these conversations should be recorded. They need to review the call logs to see that they were the ones making errors on the way the train their agents. They reported me 30 days late to all CRAs for the month of XXXX and XX/XX/2020. Last digits of this card are XXXX.
Consumer complaint received 2021-06-11
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. (CA)

I contacted Transunion disputing inquiries on my credit report. I stated that the following creditors did not have permissible reason to access my credit report : XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX  Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion As you can see there are multiple inquiries XXXX almost every month which doesn't make sense if they are extending me credit or I apply for credit. This is the perfect example of not having permissible reason to access for credit report repeatedly. I also attached their response to my previous dispute.
Consumer complaint received 2018-12-30
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. (MD)

On XX/XX/2018, I checked my credit report through XXXX. XXXX and XXXX   reports came back as accurate. Upon pulling my Equifax report, the Equifax website asked for my personal information and ask for me to complete the e-verification questions, which I completed appropriately. When the credit report was pulled, the report contained the name of another individual with a complete different credit history from my own. I have reached out to Equifax and filed a formal compliant and put a fraud alert on my account. 

My concern is their website linked my information to an entirely different individual and credit history. I'm also concerned as a consumer that my sensitive personal information is not secure and may be  available for others to view.
Consumer complaint received 2021-10-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION (NJ)

I recently tried to sell my property prior to foreclosure based on the payoff statements I received from SN Servicing. I based the cost of the property on the payoff letters I received from SN servicing on XX/XX/XXXX ( {$340000.00} ) and XXXX XXXX ( {$350000.00} ) The week the closing was to occur XX/XX/XXXX but I disputed a sheriffs commission charge of {$6900.00} that I successfully had removed. This should have bought the final payoff amount to appx. {$340000.00} but the next payoff amount after the commission was removed was {$360000.00}. 

I was told the amount went up because of post judgement interest that had never been included on any of the previous payoff amounts. 

Now the buyer may back out because SN servicing is trying to escalate the foreclosure process so the commission fees will be added again and the property will be auctioned off vs having the mortgage paid off. 

I tried to contact SN Serviciing on XX/XX/XXXX and they stated that the additional charges were for attorney fees and that the balance just needed to be paid. 

Can anyone explain why the previous payoff amounts never included post judgment interest charges and the per diam amounts were significantly less? 

I have copies of all payoff amounts if needed.
Consumer complaint received 2019-04-17
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)

My identity was compromised in XX/XX/2007 and there are numerous items on my credit report that were not created by me or have been satisfied. XXXX XXXX XXXX is stating I owe {$13000.00} but that account was not opened by me. Also XXXX XXXX is reporting that I owe approximately {$1400.00} and that debt was satisfied. There are also 3 additional accounts I have no knowledge of from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX   XXXX XXXX. I would like these incorrect items removed from my report immediately as one has been satisfied and the rest coincide with the identity theft from XX/XX/2007. I am an individual of integrity and satisfy my debts when I originate them. I have tried to get these items removed through the reporting companies with no success.
Consumer complaint received 2017-05-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I have been making payments on my capita l one accounts. I may not  be able to make the minimum payment but I have been trying really hard to at least pay something. My husband has been  XXXX   XXXX   XXXX  for over 4 years and now he has a  XXXX   XXXX  he fighting too. With all the doctor bills and I just recently lost my job and had to find a new job. I just ca n't seem to catch a break. They are now harassing my mother-in-law about my credit card accounts.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I reviewed my credit reports and it shows unverified and fraudulent item that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2019-06-21
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)

XXXX XXXX XXXX erroneously reported a collection on my report that belongs to someone else. I filed a complaint via CFPB. Upon investigating the complaint, XXXX  XXXX XXXX admitted the information is not mine and agreed to delete ALL collection reporting from ALL credit bureaus. As of today, XX/XX/2019, the collection is still reporting to Experian. I have opened several disputes with Experian directly. I have attached the CFPB complaint and outcome to the disputes. Experian refuses to delete the inaccurate information.
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (PA)

On XX/XX/19 my friend shipped boxes from my address with XXXX XXXX. to his new address.Since my address was used the bill came to me. I tried to resolve it with XXXX but I was told i couldn't change it since it was billed to me. XXXX tried to resolve it with them but he was also getting priced gouged, so they weren't working with him very much. He shipped XXXX XXXX '' x XXXX '' boxes for {$2300.00}, this was from PA to OR. The collection agency is still send me bills even though XXXX told me he resolved it with XXXX.
Consumer complaint received 2021-10-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (SC)

First Point Collections Resources is in violation of the Hippa Law and the Fair Credit reporting Act. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. I received a summary of charges listing medical record number, XXXX, XXXX  and type of XXXX as validation of debt from them. First Point Collections is purposely causing me mental and emotional stress by having procession of my medical information, that can be seen by any their employees at any time and intentionally destroying my credit by placing 12 accounts on my XXXX report. I have included all certified letters sent to them. Along with final letter received by them on XX/XX/2021 requesting Any agreement with their client XXXX XXXX XXXX XXXX XXXX that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; AND SEC. 1340 ( 1 ) BREACH OF SECURITY. And a copy of any HIPAA authorization. Their response was to continue to send me documents that clearly violates the HIPPA Law. First Point Collections has left me choice but to file complaints to the organizations that are in place to protect the rights of the consumers.
Consumer complaint received 2019-06-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

i have send numerous letters, disputing errors on my credit report to experian, all letter go with a copy of my driver license, voter registration and social security card, they dont remove the errors, i am tired of their incompetence and refusal to respond and correct the issues 1>-Statements Personal Statement ( s ) XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 
I never ask for this and have 3 letters to have it removed 2.-XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies I never applied for a loan, they dont ' have anything from me 3.-XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific never did i do an application either
Consumer complaint received 2019-06-21
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: EQUIFAX, INC. (NY)

I am not able to access my credit report online. 

This is a follow up complaint of XXXX. I've been trying to access my credit report and dispute status on Equifax website, but the website keeps asking me security questions that is obviously not related to my file. An example of the security questions is attached. I've called Equifax multiple times from 2019 XXXX to XXXX, and the only response I received was request a paper credit report by mail.
Consumer complaint received 2018-07-21
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: Nelnet, Inc. (FL)

I sent several letters to XXXX XXXX XXXX, on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, to validate the information that is being reported on my credit report. The information that is reporting on my credit report is inaccurate, I have attempt to reach out to XXXX XXXX XXXX, with the addresses provided on my credit report, - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, and XXXX XXXX XXXX XXXX, FL XXXX. Given that XXXX XXXX XXXX provided a false address, I demand an immediate removal from my credit report.
Consumer complaint received 2021-02-16
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: Experian Information Solutions Inc. (CT)

Identity stolen in 2014. All false credit claims were supposed to be resolved. Police reports were filed and managed. Experian has maintained a 7 year old record of XXXX XXXX XXXX charge made using stolen information and not even my correct last name. I filed a dispute today on experian website due to interest rate change on XXXX card which they sited Experians fake credit scoring policy. The site asked me for money to correct this, protection fees, and would not help me afterward. I don't pay extortionists, be them mafia or over powered credit agencies. The website offered no more assistance, except referral to call the help line. I called and waited over 30 minutes for any response and got none. Also got no expected wait time and heard someone, on my line pressing buttons, via the beeps. It is not okay for credit companies to sell " Protection '' for accurate reporting.