davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
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. (OH)

This is regarding my XXXX XXXX account ending in XXXX. I have been in the XXXX  since XXXX with XXXX  and complications and just came home today!! Back in XXXX I think it was I finally got ahold of someone after HOURS OF GETTING THE RUN AROUND, and told them I had XXXX  and they said they would put projections on my account and a payment would not be due for that month. Not long after that call, my condition got worse and I ended up on XXXX XXXX for about 4 weeks. I have not been able to call anyone to get help with my accounts. My husband then tried calling to tell XXXX XXXX  what was happening. NO ONE WOULD TALK TO HIM BECAUSE HE IS NOT ON THE ACCOUNT!! As a result now my credit is ruined!!! I have {$100.00} 's in late fees and who knows what else!!! How is someone on XXXX XXXX supposed to get help if these creditors won't work with people!! 

My balance when this stared was around {$4000.00} wish. I now owe close to {$6000.00}!!! I have no job, just got out of the hospital, I can hardly provide for my kids and now to top is off, my husband XXXX XXXX three days ago from XXXX. 

XXXX need to do something! They need to fix my credit ASAP! I can not pay for my husbands frugal because I can not get any sort of loan to pay for it! Then they need to waive ALL MY LATE FEES!! LASTLY, THEY NEED TO SETTLE THIS ACCOUNT AND MAKE IT A PAYMENT I CAME HOPEFULLY SOMETIME AFFORD WHEN I GET BACK ON MY FEET! 

THE CREDITORS SHOULD NOT BE ALLOWED TO DO THIS! WHEN YOU HAVE XXXX, YOU CAN NOT WORK, I ALMOST XXXX, I HAVE NO SAVINGS NOW AND LOST MY HUSBAND. MY CREDIT IS RUNIED NOW! HOWAM I SUPPOSED TO RECOVER?!
Consumer complaint received 2022-12-29
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. (NC)

On XX/XX/21 I contacted Transunion and asked for a consumer investigation of the two accounts on my consumer credit report. I questioned the accuracy of dates, amount, missing information. I asked for Transunion to validate XXXX and USDEPT Ed XXXX and provide all documentation to me concerning the above accounts. 
( Signature, information, payment history ). 

Additionally, I want the names, dates, phone numbers of who TRANSUNION spoke to concerning my account. Transunion sends responses stating they verified the account with the data furnisher. The law states that an investigative report is completed by completing the items below. ( Conducting personal interviews neighbors, friends, or associates of the consumer reported on or with others with whom is acquainted. ) The law states the information should not be obtained from the creditor of the consumer. I have included the law within this report, so not only did Transunion not provide the requested documentation as requested, but they did also not conduct a proper investigation per USC 15 1681a ( e ).

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- According to 15 U.S. Code 1681- Congressional findings and statement of purpose Investigative consumer report from 15 USC 1681a ( e ) ( 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. 

The FDCPA provides debtors with a means for challenging payoff demands, and for determining the validity and accuracy of asserted debts. 15 U.S.C. 1692g. Perhaps more importantly, however, the FDCPA establishes ethical guidelines for the collection of consumer debts
Consumer complaint received 2019-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (CA)

Original Creditor : XXXX XXXX Collection Agency : Credence Resource Manage Amount {$440.00} Claiming I Owe **** Unverified **** Date Disputed :XX/XX/2019 Disputed Charges & And Asked For VOD Validation Of Debt *** Not Validate *** Resolution : XX/XX/2019 Account Statues : Per XXXX   Account Information Disputed By Consumer Meets FCRA Requirements
Consumer complaint received 2023-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have hard inquiries that was made with out my consent. 
XXXX XXXX ( XX/XX/XXXX XXXX Inquiry date Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date Removal date XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX 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 15 U.S.C 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 2023-04-02
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. (GA)

In accordance with fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XXXX, and on XX/XX/2023 I disputed several negative items on my credit report with all 3 credit bureaus. I asked for proof of such late payments reporting on my credit report, and it has been well over the 30 days time frame, and I have yet to see any changes, or been provided with the requested information. 

XXXX XXXX XXXX account is reporting late payments XXXX is reporting late payments XXXX reporting late payments. 
Per 15 USC 6803 a ( 3 ) protecting the non public personal information of consumers. 
XXXX XXXX child support is reporting, which is a violation since I have never provided written consent.
Consumer complaint received 2023-08-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

YOUR COMPLAINT I never received a PURCHASE MONEY LOAN CASH ADVANCE from Wells Fargo Bank NA or any of its associates, So there is no debt of a mortgage if there is please provide me a copy of my wet ink signature on your purchase money loan cash advance I received. This corporation is in violation of identity theft as they continue to fraudulently operate against my Trust and Estate claiming and reporting against my employer in the amount of XXXX please let WELLS FARGO BANK NA SHOW US THE PURCHASE MONEY LOAN CASH ADVANCE bearing my wet ink signature we hold no contract so what is this.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/year> Dear EQUIFAX, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : XXXX Account number XXXX Party Owed : XXXX XXXXXXXX XXXX  XXXX Amount : {$260.00} Account number XXXX Party Owed : XXXX XXXX XXXX  XXXX Amount : {$160.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$500.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$0.00} Party Owed : XXXX XXXX Amount : {$270.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$330.00} Account number XXXX Party Owed : XXXX XXXX XXXX 
Amount : {$230.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$0.00} Account number XXXX Party Owed : XXXXXXXX XXXX  XXXX : {$540.00} Account number XXXX Party Owed : XXXX XXXX Amount : XXXX Account number XXXX Party Owed : XXXX XXXX XXXX Amount XXXX {$230.00} Account number XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT IT IS FRAUDULENT AND IM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 
Sincerely,
Consumer complaint received 2022-12-29
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. (PA)

To whom this may concern, My name is XXXX XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of Identity Theft, and my personal information was used or tried to be used to obtain services and goods without my consent or permission. I request that the following information listed in this report and this statement be removed immediately. 

ACCOUNTS : XXXX  INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-26
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: AES/PHEAA (FL)

On XX/XX/19, filed a dispute with XXXX regarding the XXXX XXXX  payment history not reporting correctly. On XX/XX/19, XXXX  sent results stating the investigation was complete and they verified with the XXXX   XXXX that the data was reporting accurately as " in deferment '' However, XXXX refuses to report those months as " current '' on my credit report. 

I called XXXX XXXX  on XX/XX/19 and requested a letter that would include the payment history. I was told that the letter would take several weeks to receive. XXXX XXXX verified via phone that they submitted the data to the credit bureaus for the months that I was " in deferment '' as current. 

XXXX refuses to update my credit file. I am still awaiting the letter from XXXX XXXX to send to the credit bureau and will forward the letter from XXXX XXXX when I receive it. If XXXX does not update my credit file, I will exercise my rights to file a law suit against the company for inaccurately reporting this account on my credit file. 

I am attaching a letter from XXXX XXXX regarding the forbearance letter stating that interest is still accruing on my loans.
Consumer complaint received 2019-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have disputed a credit account Portfolio Recovery Services 3 times in the last 3 months with the Consumer FInancial Protection Bureau. Portfolio Recovery Services has lied each time and said they were unaware of the dispute of this account and each and every dispute complaint is on file with the Consumer Financail Protection Bureau records. I also have spoken to two seperate reps on a recorded line in XX/XX/XXXX explaining the account is not valid- This alone shows that Portfolio Recovery Services is no honest in its collection practices. 

Secondly, I request copies of debt validation. Portfolio Recovery sent a document supposedly they have from the previous creditor dated XX/XX/XXXX with the address of XXXX XXXX XXXX and the letter dated XX/XX/XXXX was mailed to another address which does not belong to me. Portfolio Recovery forged this letter of collection because there have filed this claim to this debt illegally. Please provide detail on where this address was found and why you use this address. 

Also the debt letter that Portfolio Provided from the previous creditor has the amount of XXXX but the the final bill, which I deny is my account has a balance of XXXX. Can Portfolio please provide details on the accounting records for this account. How did they calculate the balance owed? 

Please provide the answer and response with in 15 Business days as this is a formal request- I believe that Portfolio has violated my FCRA and FCDPA rights and are in violation of multiple laws
Consumer complaint received 2018-07-30
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: Convergent Resources, Inc. (TN)

I have disputed with the credit bureaus and Convergent alike the inaccurate entry that Convergent is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to XXXX, XXXX  and XXXX. The bureaus responded that this entry was verified. To that end, I submitted my dispute to Convergent. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. Convergent did not oblige. 

Convergent 's letter, ( see attached ), dated XX/XX/18 does not provide any substantial evidence to support the veracity in their reporting. To that end, since Convergent is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.
Consumer complaint received 2023-07-06
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. (NY)

Hi. My name is XXXX XXXX. 
A few months ago our property management " XXXX XXXX '' decided to report our rental payments to credit bureaus, which I never signed up for and that clause was never on our lease in the first place. 
My roommate XXXX. hasn't paid rent for XXXX months, and for some reason this affected MY credit score.We are not a family with XXXX, I am not her guarantor, we have got all our names of the lease separately, all of us had undergone separate credit check upon moving it, and now management is making me accountable for her late payments? Management chose her and approved her when she moved in, I have nothing to do with it. 
Also, they NEVER informed us late payments would affect credit score of everyone living in the apartment. 

I always pay on time, ALWAYS. I've built a perfect credit score of about 750. Now it went down by 90 points because of that. This is an absolute absurd and technically my personal data infringement. Ive been meticulously building my credit score, Ive put real hard work in it. This error should be taken off from my credit report because its not associated with me in any way. 

I'm attaching evidence our rent payments for the past few months from which you can see I have always paid on time. 

Please assist. 

Property management contact details : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX P. XXXX F XXXX XXXX XXXX
Consumer complaint received 2019-04-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Metro Collection Service Inc. (VA)

XXXX XXXX and a XXXX moving company is seeking payment in full for services that were not rendered according to contractual agreement in XX/XX/XXXX. 
They have retained the services of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, Building XXXX, XXXX XXXX ; XXXX, CO XXXX ; Phone : XXXX XXXX ; Fax : XXXX ; Direct Dial : XXXX ). 
These services were brought to my attention after I'd moved from Colorado in XX/XX/XXXX, and after having sought to settle the invoice via multiple emails, phone calls, and attempts via the web info source. I have kept all voicemails, emails, and other records of attempts to mediate. The last attempt that was made by XXXX XXXX   XXXX XXXX XXXX was through customer service agent XXXX ( no last name known ) at ( XXXX ) XXXX on Wednesday, XX/XX/XXXX at XXXX MST, where he indicated that he'd received my most recent voicemail, and said " ... the situation does seem like it's a little bit out of my area, so what I'm gon na do for you ma'am is I'm gon na pass this along to my manager so you can speak with him about that and I'm pretty positive he's gon na go ahead and get you figured out, but I did wan na leave you a voicemail to know that we are aware of the situation. I apologize on behalf of the company for how your move went. '' There was no further attempt on behalf of XXXX XXXX XXXX XXXX XXXX to resolve the invoice, and no further replies to any emails or phone calls made by me to them. 

At the end of XX/XX/XXXX, a letter was forwarded to my new address in Virginia indicating that my invoice had been sent to collection in care of account manager XXXX XXXX of Metro Collection Service in XXXX, CO. Upon contacting them, they informed me that XXXX XXXX XXXX XXXX XXXX refused any further attempts to settle the debt outside of collection. 

The invoice was questioned due to the movers showing up late, without packing materials which I then had to go purchase at a hardware store, taking 5 hours longer than invoiced, staining carpets, and smoking marijuana on the property. 

This is an unjust attempt to collect a debt that is not owed. 

XXXX, XXXX XXXX United States XXXX, Retired XXXX XXXX XXXXr Deployed to XXXX Please contact via email at XXXX or at my company email XXXX Thank you.
Consumer complaint received 2019-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (UT)

XXXX XXXX claims I have been 100 + late on payments but I have been in school the entire time. I got my XXXX XXXX now I'm getting my XXXX. When in school your loan can be deferred and it shows on my credit mine wasn't and still isn't in deferment.
Consumer complaint received 2023-07-06
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. (NC)

I hope this letter finds you well. I am writing to file a formal complaint against the credit bureau Experian regarding their lack of response to my dispute letters. Despite my diligent efforts to resolve the issues, I have not received any acknowledgement or response within the required timeframes stipulated by the Fair Credit Reporting Act ( FCRA ). 

To provide some background, I initiated the dispute process on XX/XX/23 by sending dispute letters to the credit bureaus listed below : Experian XXXX XXXX XXXX, XXXX, TX XXXX In my dispute letters, I clearly outlined the specific errors and inaccuracies present on my credit reports and provided all necessary supporting documentation. However, it has been 4 months since I sent these letters, and I have not received any response from the credit bureau. 

Despite my efforts, I have not received any meaningful response or indication that my dispute is being addressed. I would like these accounts deleted, but Im being ignored. 

The non-responsiveness of the credit bureau has had a significant impact on me. Its causing damage to my credit report and Im constantly being ignored by lenders. 

In light of the credit bureaus ' failure to address my dispute in a timely and appropriate manner, I kindly request the assistance of the Consumer Financial Protection Bureau in investigating this matter. I would appreciate it if you could intervene on my behalf to ensure that the credit bureaus promptly respond to my dispute and rectify any errors or inaccuracies on my credit reports. 

I have attached copies of the dispute letters I sent to the credit bureau. These documents provide a comprehensive record of my efforts to resolve this issue directly. 

Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can help bring about a timely resolution and restore the accuracy of my credit reports.
Consumer complaint received 2023-02-07
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. (MI)

Equifax removed my active XXXX XXXX credit card from my credit report by mistake. The XXXX XXXX credit card is active that is my mine please add back to my credit report XXXX  XXXX XXXX