davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
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: Shellpoint Partners, LLC (VA)

when i talked to a agent a shellpoint they told me my late payments would not be reported why i wait on XXXXXXXX XXXX relief to approve or deny me but i see that was a lie they reported me late today score went down XXXX XXXX smh
Consumer complaint received 2019-06-18
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. (UT)

XXXX  XXXX  # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Consumer complaint received 2019-06-18
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. (UT)

XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Consumer complaint received 2019-06-18
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. (UT)

XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Consumer complaint received 2022-11-17
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. (NM)

In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of 1965 amended by HEOA of XXXX that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ; THIS LOAN WAS A RESULT OF FRAUD AND SCHOOL MISCONDUCT.
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

I made a purchase through XXXX which was cancelled out by the company due to product being out of stock. XXXX didnt credit the full amount back to account which led to interest accrual. My available balance is {$200.00} and my credit limit is {$200.00}. On XX/XX/18, I received a notification from my credit monitoring of a 30 past due account which knocked my credit score down over points. I called XXXX and they assured me this would be corrected and the amount due would be XXXX due to their error. This has not been fixed yet and is seriously effecting my credit score.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have corresponded multiple times and made numerous attempts to address this matter. However, I have encountered considerable difficulty in finding resolution, as Equifax has provided inadequate assistance despite acknowledging the theft of my information. Furthermore, I have incurred significant expenses, including several XXXX dollars on certified mail, travel expenses for visits to their office, and numerous phone calls.
Consumer complaint received 2023-05-18
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MA)

In XXXX, XXXX, XXXX of XXXX after phone conversations with XXXX XXXX and XXXX XXXX   they informed me the court dates scheduled in months above to collect debt would be canceled, allowing me time to resolve the debt. I contacted XXXX District Court who confirmed dates were canceled by creditors, I was not required to appear. However, XXXX XXXX ( in XXXX and XX/XX/XXXX ) and XXXX XXXX. ( in XX/XX/XXXX ) did appear in court on these dates and received default judgements, since I was not in appearance. I did not have knowledge of the judgements until XXXX, they appeared on my credit reports. 
I contacted Experian, XXXX, XXXX XXXX in XXXX to inform them, the judgements disappeared from, annual credit report and the credit monitoring service I pay directly to Experian, XXXX, XXXX XXXX. These judgments still do not appear on any report I have access to. However, I applied for a mortgage in XX/XX/XXXX and XX/XX/XXXX, and was shocked and blindsided to learn these judgements were reported to this lender and on my credit reports the lender obtained from all 3 agencies. They reported the judgements I was led to believe were deleted. 
I pay Experian, XXXX and XXXX XXXX {$19.00} a month each and have been for years to monitor my credit for correct and accurate information, instead I ; m being provided reports excluding judgements, believing they were deleted from my credit, They report these excluded judgements to 3rd parties without my knowledge, since judgements have been wiped from the reports they provide directly to me I pay them for, they collect their monthly fees from me and provide me with false information.
Consumer complaint received 2018-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (PA)

Sent debt validation letter to Commonwealth Financial Systems XXXX XXXX XXXX, XXXX on XX/XX/2018 via USPS Certified Mail. Tracking # XXXX. Letter requested proper validation of debt and HIPAA requests. I have yet to receive any response whatsoever from the mentioned collection company and it is now past the required 30 days and I am now requesting the account be deleted and removed from my credit profile.
Consumer complaint received 2017-05-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: IQOR US INC (IL)

Happened on  XXXX / XXXX / XXXX  They claimed I owed {$290.00} over a credit card I never owned. They knew the la st 4 di gits of my social and my address. They claimed the account was opened in  XXXX  with my current address when I did n't live at my current address in that year. Their language was abusive and harsh and did n't let me speak, they just kept demanding money and payment.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ORG GC GP BUYER, LLC (UT)

GC Services # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Im writing to file a formal complaint against the three major credit bureaus Equifax, XXXX, and XXXX for violations of consumer protection laws regarding the reporting of late payments on my credit reports. 

Under 15 U.S. Code 1681s-2, furnishers of information to consumer reporting agencies are obligated to provide accurate information. Specifically, section 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting of information with actual knowledge of errors.

I have discovered inaccuracies in the reporting of late payments on my credit reports, which do not accurately reflect the transactions or experiences between myself and the creditors. These inaccuracies have resulted in negative consequences for my creditworthiness and financial well-being.

Furthermore, according to 15 U.S. Code 1681a, consumer reports do not include reports containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, any reporting of late payments must accurately reflect the true nature of these transactions and experiences.

I request that the credit bureaus investigate these inaccuracies and take immediate action to update my credit reports to reflect the accurate status of the accounts. Specifically, I need the late payments to be reversed and updated to reflect that the accounts were paid as agreed.

According to the law, I request that the credit bureaus provide an update on the status of the investigation and make the necessary updates to my credit reports within 15 days of receiving this complaint.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2018-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Over the last months, I have always paid significantly above my minimum payment - what they call their interest saver so as not to be charged interest. However, in each month, I have been accessed interest over and above what my remaining balance was. 

As a result, {$200.00} and {$100.00} were charged in XXXX and XXXX respectively. This is counter to their communication to me of what needed to be paid to not have interest charges. I have tried to resolve by phone but the agent was of no help.
Consumer complaint received 2018-02-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (IL)

I CONTINUED TO RECEIVED REPEATEDLY PHONE CALLS ALL THROUGH THE ENTIRE DAY AND THE CALLS WERE FROM DIFFRENT PHONE NUMBERS LISTED BELOW. 

US BANK XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX there is more dates and times repeatedly us BANK called me
Consumer complaint received 2016-02-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I recently pulled my free annual credit report and found XXXX accounts being reported that are owned by Midland Funding Debt Collection. I submitted a dispute through Experian for these XXXX accounts as they are being reported erroneously. These accounts were originated with other companies and purchased for pennies on the dollar by Midland Funding. 

I need assistance with deleting these XXXX items from my credit report for the following reasons : 1. Midland Funding has not provided adequate evidence of the existence of the debt nor validated the amount owed. 
2. The payment history reflected on all three accounts on the credit report is inaccurate, and does not reflect the entirety of payments made ( on time ) for the respective accounts. 

They ca n't have their cake and eat it too. How can Midland claim rights to this debt, yet it is unverified, and reported inaccurately? Their haphhazard reporting is causing harm to my credit score and financial well being and needs to be removed immediately.
Consumer complaint received 2023-05-18
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. (VA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-18
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)

This is my eight attempts to tell you that my complaints must be resolved regarding to these inaccurate informations that are still repeated reporting on my credit file. I am asking for your help to investigate these informations and i think these items does not belongs to me and i never signed any agreement about this.The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. No one seems to care about this, so again, i am requesting a clear copy of my credit report without any erroneous informations again. These items must be deleted NOW : XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2023-05-18
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. (CA)

In accordance with the Fair credit report 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 section 2 : it also states a consumer reporting agency can not furnish an account without my written consent
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-18
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: Experian Information Solutions Inc. (FL)

In late XX/XX/2019, I received notification from credit karma that I had acquired a late remark on my credit report from XXXX XXXX XXXX secured visa card. Upon making contact with XXXX XXXX I was told this would not be removed because I did not have the funds in my account. I was then told I would receive paperwork in the mail to correct this issue or I could send in the documentation. I sent a letter in which they responded the reporting is accurate and would not be corrected this letter was received in late XX/XX/2019. Since receiving that letter I have received two letters from my bank stating the funds where in my account and it was a mistake on their end due to the first 3 prefixes of my account being incorrect. The first letter was sent to XXXX XXXX which they still have not corrected. I am in the process of purchasing a home and I have worked very hard to maintain a good credit report. Attached you will see the letter from my banking institution and phone number to contact them should you have additional questions.
Consumer complaint received 2019-06-18
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. (CA)

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have not been to any kind of medical in a long time and this debt does not belong to me. I have no idea who this is or where it came from but it is not mine.
Consumer complaint received 2019-06-18
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. (CA)

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have not been to any kind of medical in a long time and this debt does not belong to me. I have no idea who this is or where it came from but it is not mine.
Consumer complaint received 2023-05-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed inaccurate information on my credit report on several different occasions and the CRA 's ( TransUnion, XXXX and XXXX refused to accurately investigate while sending correspondences back stating everything was accurate. 

TransUnion XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX Not only does this account ( XXXX ) remain inaccurate, However, TransUnion, XXXX and XXXX failed to mark notice of dispute on my credit report.
Consumer complaint received 2019-06-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC (KS)

Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.