davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
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. (FL)

I want this Account Off My Credit please. This Account should Not be on my Credit This is against The law for someone to steal my identity. I did not give any Consent for this account to be open. 
this is very stressful. I'm a single father that is trying to survive for me and my kids I'm about to be on the street with my kids cause every time they check my credit they see this fraudulent account which makes  me look bad as as a person and theses companies don't trust me which i pay all of my bills on time pleases help me resolve this situation or I will be on the street with my kids with covid 19 I am so afraid
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MN)

I lease a vehicle every 3-4 years and then trade it and get a new lease. I make sure that the return of the vehicle is in good shape and there are no mileage overages or any fees that I would be responsible for. XXXX XXXX is the dealership I work with every time. I just traded in a XXXX XXXX XXXX and XXXX XXXX takes care of the returning of the vehicle and paying off the remaining balance at the time I lease my new vehicle. I have never had a problem with this before. XXXX XXXX received the payoff amount from GM Financial and paid it. I never received anything from GM Financial except that my vehicle was returned and my balance was XXXX and the account was closed. I just got an alert from XXXX  that my credit rating has gone down 45 points because GM Financial is reporting a delinquent amount of {$13.00}!!!! Are you kidding me? You are going to lower my credit rating over {$13.00}!?!?! All GM Financial has to do is call XXXX XXXX or myself and you can get the {$13.00}! I want my credit fixed asap!
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (CA)

I contacted XXXX XXXX XXXX XXXX ( billing ) at XXXX at the end of XX/XX/2018. I informed the representative that I had made a payment of XXXX  $ via the Patient Billing Portal website and will pay XXXX $ monthly to pay the debt in full. She informed me that the collection agency would be informed of my payment. I tried to reach XXXX XXXX XXXX on XX/XX/2018, thru their email XXXX but no reply. Then, I reviewed my credit report on XX/XX/2018 and the balance in my credit report shows XXXX . The correct balance is XXXX   . I want the account balance to be updated.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

Hello, I Disputed a XXXX  XXXX and XXXX  XXXX with XXXX XXXX and Experian that was reporting the furnisher was US Bankruptcy Court .The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to credit bureaus. XXXX deleted both Bankruptcies from my credit report. Experian and XXXX sent back letters stating they were both accurate and verified. I called and sent a letter to US Bankruptcy Court they sent me a letter stated they do not furnish information to any third party, including the credit bureaus. I sent another dispute attaching the letter from the court and they sent a letter stating verified and accurate and they're not reinvestigating.
Consumer complaint received 2019-03-27
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. (FL)

I have disputed a Chapter XXXX Bankruptcy that is being reported on my file in error. I have requested numerous debt validation request without any response and even contacted the US Bankruptcy Clerk of courts who advised that The bankruptcy courts do not provide information to the credit reporting agencies. The credit reporting agencies, or other information providers, collect information regarding bankruptcy cases from the courts public records. I also pulled a copy of my credit reports and the public records do not even provide the US Bankruptcy Court District that supposedly has the record on file or an accurate case number. I have actually been in communication with XXXX, XXXX, and Transunion since XX/XX/2019. I am requesting how this public information has been validated and requesting to have it removed from my credit report.
Consumer complaint received 2018-05-04
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. (TX)

Incorrect/ fraud information Identity theft XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX   XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
Consumer complaint received 2019-03-22
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. (MA)

I was sued in court for an collection account. I have court documents that I do not owe the debt. the credit bureau will not remove it from my credit report.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (MO)

This debt was settled through XXXX XXXX in a repayment program through XXXX XXXX. I have a letter outlining the payment arrangements which I met fully. The settlement letter states my account would be paid 'in full ' once those obligations were met. There are two separate accounts with this debt buyer that are settled through the program with XXXX XXXX. National Credit Adjusters is reporting balances on both accounts even though the accounts are settled and paid. One attempt was made to have National Credit Adjusters update the collection information/balance through a dispute with all three credit reporting agencies. National Credit Adjusters response was the balance is reported correctly. This is not true  because the debt is settled in full. The original creditor on the first account is XXXX XXXX XXXX. The balance reported to XXXX XXXX was {$6000.00}. Payments started on XX/XX/XXXX with the final payment on XX/XX/XXXX. The payments totaled {$2100.00}. National Credit Adjusters is reporting a balance of {$3900.00} and this is not the agreement. The original creditor for the second account was XXXX XXXX. The balance reported to XXXX XXXX was {$5100.00}. Payments started on XX/XX/XXXX and the final payment was on XX/XX/XXXX. National Credit Adjusters is reporting a balance of XXXX and this is not the agreement. Recently submitted another dispute with all credit reporting agencies ; however, feel my efforts will be exhausted. This incorrect reporting raises my debit owed by nearly {$710000.00}. This request is to have National Credit Adjusters report my account paid 'in full ' to XXXX , XXXX , and XXXX . Better yet, the debt should be removed from my credit report. I can prove that I was victimized by predatory lending. My credit is derogatory because the Payday Loan industry nearly bankrupted me.
Consumer complaint received 2016-12-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this money and by law if the consumer ask for validation they must also show proof of signature. XXXX XXXX have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with XXXX XXXX, never signed a contract, nor do I owe them any money.
Consumer complaint received 2021-02-12
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 have over 84 inquires from car companies all over the united states. I advised all 3 credit reporting bureaus that there is no way I asked for all these attempted accounts. The items have still not been removed from my credit reports and I submitted letters asking them to be removed or I would come to the CFPB.
Consumer complaint received 2019-03-22
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CONTRACT CALLERS INC (CA)

On XX/XX/2019 at XXXX PST, I received a call from a collection representative with Contract Callers , Inc based on GA calling me on behalf of XXXX. When i answered this call I was immediately asked " am i speaking to ( my full name )? ". I refused to answer anything unless i knew where they were calling from. They again asked so i answered a simple " yes '', and asked what this was about. They quickly stated " And the last 4 of your SSN is # # # # and DOB # # / # # / # # # #? ". This made me feel extremely uncomfortable since anyone would be able to answer yes to their question and then get my information had they dialed the wrong number. What if they accidentally had my account up and called someone else? I feel like my rights that protect my sensitive information are being violated by this company.
Consumer complaint received 2019-03-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

In 2012 I tried to get a loan modification. We went 40+ months, before they told us we wasn't eligible. Tried a short sale, went another 4-6 months then we was told we wasn't eligible. Payments went from {$840.00} to {$950.00}.
Consumer complaint received 2018-07-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Delta Management Associates, Inc. (NY)

Delta management associates has so far : Called me all hours of the day and night Called my brother Called my mother Called posing as an investigator from a law firm looking for me regarding a former employer ( number is out of service and company didnt exist )
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (GA)

This mortgage was closed and paid in full to Caliber during a refinance. Caliber is  reporting the XXXX Payment Late and the Account still remaining open with a late payment history in XX/XX/2019. It needs to show closed in XX/XX/2019, and paid as agreed with a {$0.00} balance as of XXXX XXXX.They refused to make any corrections -despite the numerous calls to customer service. They also refuse to transfer me to the department in charge of credit reporting, and also the legal department.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, my name is XXXX XXXX this is my third attempt trying to obtain my consumer report from TransUnion. I am using the CFPB in hopes to obtain my consumer file and report from TransUnion.
Consumer complaint received 2021-05-27
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. (AZ)

The bureaus are reporting erroneous items on my credit. I had previously filed a dispute and have been for months now and have yet to see any letters or changes to my credit. I have attached the letters that I most recently sent. Please send me results immediatley.
Consumer complaint received 2020-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (ID)

I called in on XX/XX/2020 to dispute a transaction that had posted to my account on XX/XX/XXXX. I was assured that my card was deactivated and replaced as is required by law, but I awoke to a low-balance message this morning XX/XX/XXXX, with another unauthorized transaction that had just occurred overnight. I went into my banking app and found the option to request a new card, even though the representative I spoke with on XX/XX/XXXX assured me the card would be replaced.
Consumer complaint received 2021-02-12
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 an account with XXXX XXXX  for a XXXX vacuum. I was transferring jobs and advised this company that I needed help paying the bill. The 1st representative agreed to help me, then I began getting collection calls at different hours and nonstop. I began to get aggravated so I borrowed money from a family member and asked for a payoff. I was advised that if I paid a little more than half the amount, they would mark the account as paid and full on my credit report. I made the payment, and received a letter saying paid in full, but my account now shows I owe the rest of the balance and the account is still listed as negative on my credit report.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/XXXX, 2017, I entered a written dispute with XXXX XXXX XXXX XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and Trans Union. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 


XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 


A review of records compiled by the state Division of Financial Services in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and Trans Union is an unfair and deceptive trade practice. 


Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and Trans Union notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.
Consumer complaint received 2022-02-18
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. (MD)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (CO)

My wife was in a rear-ended in a traffic accident on XXXX XX/XX/XXXX and was taken to hospital via ambulance. We finally received a bill for the ambulance service XXXX XXXX XXXX XXXX XXXX early XXXX for the amount of {$980.00}. This was submitted to insurance and paid XXXX directly on XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX we received a debt collection notice from XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX for the paid debt. A reply was sent to XXXX XXXX on the same day notifying the debt had already been paid to XXXX. 

On XXXX XX/XX/XXXX we received a debt collection notice from Dynamic Recovery Solutions LLC ( on behalf of XXXX XXXX XXXX XXXX XXXX for the paid debt. A reply was sent to Dynamic Recovery on XXXX XX/XX/XXXX notifying the debt had already been paid to XXXX. 

On XXXX XX/XX/XXXX we received a debt collection notice from Dynamic Recovery Solutions LLC ( on behalf of XXXX XXXX XXXX XXXX XXXX for the paid debt.
Consumer complaint received 2018-12-13
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. (AL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (WV)

I have opened many wallets and bank accounts. I am homeless and this is the direst result of this. Google or someone that works for google blocks every email or device i have and any car or account i have. its not just google. its XXXX XXXX, different bank accounts, its every payment source. I verify my identity over and over and they tell me they wont accept my documents. My banks block my accounts and give it to others to use. I need help before i end up dead. I am the owner of a foriegn bank and im broke and homeless because of the internet.My identity is being stolen. Postal workers are stealing my mail. Boyfriends steal my info and somehow make themselves my power of attorney. XXXX ca says im a juvenile. And so does everything i have. my phone my bank accounts etc. Please help
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (GA)

See a copy of the letter : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX Lending Club XXXX XXXX XXXX, CEO XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : Account # XXXX Dear XXXX XXXX, I am writing you in reference to an XXXX that is reported on my Credit Report for XX/XX/XXXX. On XX/XX/XXXX, I called the XXXX number and spoke to a representative and he informed me he was not able to take over the telephone payments ; however, he stated that the XXXX office was closed due to inclement weather and would not open until XX/XX/XXXX. My payment, I stated was due on XX/XX/XXXX and when I made the payment of {$780.00} he stated that there was a late charge of {$40.00} that would be deducted before the payment was applied. 

XXXX XXXX, it appears your company is applying some of the very liberal policies of the City of XXXX XXXX, CA that are outside of the lending laws in the United States. Examples, it appears my account is being reported late because of a portion of the payment went to late fees. Therefore, if youre accounting system had not deducted a portion of my payment for late fees, my account would not have been reported as late. Additionally, if your office had been opened on XX/XX/XXXX, I would have been able to also make my payment by telephone in a timely manner before XX/XX/XXXX which then made my payment be classified as being late because of your XXXX office being closed which was not fault of my own. Moreover, I think it is ridiculous when a natural disaster takes place and you close your office because of that and customers like myself and may others were reported to the Credit Bureau as being late which was not fault of our own. 

if my account and credit report can not be update, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) stating that I was not able to make the payment due to your office being closed on XX/XX/XXXX due to inclement weather and when the payment was made, you deducted {$40.00} from the actual payment identifying it as a late fee. I would like to have a response from your office within 30 days or less stating that you have corrected your error and updated my credit report to reflect paid as agreed. 

Thank you in advance for your assistance for your addressing this matter. 

Sincerely, XXXX XXXX