davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-19
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 believe I have been a victim of identity theft due to many accounts on my credit that I do not recognize nor recall ever doing business with. I rarely ever use my credit and when I recently checked it saw things on there that made no sense to me and was completely taken by surprise. I am asking for your help and expertise in this matter to get everything corrected so I can try to use my credit again please thank you.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CT)

This concerns XXXX-XXXX .This is my response to their response.Webster bank lie. 
The transfer were on XX/XX/2020, not on XX/XX/2020 like they told.It means that i was on time.They took late fee {$29.00} for this.I do not agree with their decision.They have cheated on my.Dear CFPB please see download from my account.
Consumer complaint received 2020-02-19
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)

I believe I have been a victim of identity theft due to many accounts on my credit that I do not recognize nor recall ever doing business with. I rarely ever use my credit and when I recently checked it saw things on there that made no sense to me and was completely taken by surprise. I am asking for your help and expertise in this matter to get everything corrected so I can try to use my credit again please thank you.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I logged into my Experian account and it said my account was unlocked. My lender tried to pull my credit report and was advised it was locked. I tried contacting Experian " customer service '' for almost an hour. I called 6 times, jumped through all the hoops and the call ended 5 times before I finally got through. When I did get through, it was difficult to understand the rep. In addition to english not being her first language, there was a lot of background noise. I am trying to obtain a home loan, so it's critical for the lender to get my report. I was able to unlock my report from the other 2 agencies online with no issue. The lack of service from Experian is not acceptable.
Consumer complaint received 2021-11-17
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. (PA)

Firstly do not add a fraud alert on any of my reports! i am in the process of closing on a house and I saw these unknown loans, I have never seen these accounts. I have informed all bureaus of the violation of listing false accounts and they have not removed them. I asked for proof and nothing has been done. As a consumer I have no obligation to pay back this alleged debt and I want these account removed. The late payments are very damning and I am exhausted with this situation. on all three reports the information is reporting different dates, i asked the company for proof and nothing. when i call the bureaus they say the company says its accurate but the company can't provide me proof so what pro does the bureaus have to back up that the information is correct? this has harmed me and i am loosing sleep I have even had to see a doctor. when I called the CFPB they said all the bureaus has blocked my complaints. I have sent my passport a bill my social card and my license what more do they want a blood sample to prove it is me submitting for the removal? I will sue if they choose to ignore me XXXX more time! this is outrageous and i am sick and tried.
Consumer complaint received 2020-02-19
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. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 90 ) plus days late on the XXXX accounts. ( Please see pages attached from my credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-02-19
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. (CO)

XXXX XXXX XXXX  and Transunion are reporting incorrectly that I am ( 90 ) plus days late on the XXXX accounts. ( Please see pages attached from my credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (GA)

A collection was placed on my credit report from Southwest Credit System for {$190.00} on XX/XX/XXXX. 
I called the number listed on my credit report on XX/XX/XXXX. The representative states this is a XXXX account closed on XX/XX/XXXX which was placed with them from XXXX. I have not had a XXXX account. I never received any correspondence, contact, or NOTICE OF DEBT or DEBT VALIDATION from Southwest Credit System. This is inaccurate and definitely a violation of FDCPA since I never received any notice or anything to dispute the validity of this account place on my credit report. By law I have 30 days to request validation of this account once it has been assigned to an agency. Not only is this not my account, but Southwest Credit System violated FDCPA as well. 

Section 809 Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt  collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2020-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (CA)

On XX/XX/XXXX I was travelling to work on my motorcycle and had just past the toll plaza at the XXXX XXXX in the carpool lane when a car that was in the metering lane traffic went over the plastic barriers into my lane and hit me. I was ejected from my motorcycle and XXXX XXXX XXXX including both XXXX XXXX XXXX XXXX XXXX XXXX, at this point XXXX was requested by XXXX. I was picked up by XXXX  XXXX and taken to XXXX XXXX. I have and had at that time full coverage by XXXX XXXX that included ambulance rides in medically necessary situations such as this. In the coming months my insurance paid for all of my medical bills ( the driver who hit me and was at fault had no insurance coverage on his vehicle ). Needless to say there were a ton of statements that were mailed to me showing what had been paid for by XXXX. At no time did I know of a bill from XXXX XXXX, I wasn't even aware of the ambulance companies name that picked me up as I was in awful shape after being hit. In my mind, all of my bills had been settled and I had to deal with my XXXX XXXX and the costs associated with that. 

Fast forward to XXXX where I notice that my credit score drops to XXXX ( I maintain a consistent XXXX or above on my FICO score ). When I look into why this drop happened, I see that I have been reported for a derogatory account reported by Nationwide Recovery Services for the amount of {$2400.00}. This is apparently the amount due for the ambulance ride that day that I never received a bill for. The ambulance company XXXX XXXX apparently sold this debt to XXXX in XX/XX/XXXX and now in XXXX XXXX has reported this to my credit meanwhile, to this day, I never received a bill from either of these parties. I called my insurance company XXXX to inquire if they had received a bill which they had not. Further, my insurance will only pay/reimburse a claim within 365 days of the date of service. 

I find it completely unacceptable that not only did I suffer life altering injuries from an accident that was not my fault, caused by an uninsured motorist, but also that now my credit has been affected by a company with a horrible reputation for its billing practices XXXX XXXX  XXXX XXXX and then Nationwide Recovery Services. When I called XXXX they stated that the address they had listed for me reported to them from XXXX XXXX was incorrect and that is why I supposedly never received a bill from either of them. I think this is a ridiculous reason as my personal information is easily searchable, especially by debt collectors. This whole ordeal has been completely infuriating and it's incredible that I have to suffer more from this accident that happened in XXXX.
Consumer complaint received 2020-02-19
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. (CO)

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 90 ) plus days late on the XXXX accounts. ( Please see pages attached from my credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Auto Finance Co (NV)

NOTICE TO AGENT XXXX NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car pursuant to 15 usc 1681 ( a ) the banking system is depended upon fair and accurate reporting, furthermore you have infringed upon my right to privacy later stated within the congressional findings of the FCRA.

I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting innacuate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payments, I demand deletion at once with these late payments reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from exercising my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I WAS TOLD TO EMAIL COPIES OF MY CREDIT REPORTS TO THE BAK OFFICES ON XX/XX/2024. 

I REQUESTED A SUPERVISOR OVER THE TELEPHONE CALL TO DISCUSS THE 30 DAY LATE ON MY CREDIT REPORTS AND WAS ADVISED THE ** NO LATE FEES WERE ACCESSED FOR XXXX XXXX AND TO EMAIL THE CREDIT REPORTS COPIES TO THE ( XXXX ). I THAN WAS LIED TO ON SEVERAL OCCASIONS THAT I MUST WAIT XXXX HOURS ON XXXX DIFFERENT CALLS FOR A RESPONSE BY EMAIL FROM THE XXXX XXXX! NEVERTHELESS, NOTHING WAS DONE AND AS OF TODAY, I WAS TOLD TO DISPUTE THE INFORMATION WITH THE CREDIT BUREAUS DIRECTLY IN WHICH I HAVE SINCE XX/XX/2024.
Consumer complaint received 2021-11-17
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. (PA)

Firstly do not add a fraud alert on any of my reports! i am in the process of closing on a house and I saw these unknown loans, I have never seen these accounts. I have informed all bureaus of the violation of listing false accounts and they have not removed them. I asked for proof and nothing has been done. As a consumer I have no obligation to pay back this alleged debt and I want these account removed. The late payments are very damning and I am exhausted with this situation. on all three reports the information is reporting different dates, i asked the company for proof and nothing. when i call the bureaus they say the company says its accurate but the company can't provide me proof so what pro does the bureaus have to back up that the information is correct? this has harmed me and i am loosing sleep I have even had to see a doctor. when I called the CFPB they said all the bureaus has blocked my complaints. I have sent my passport a bill my social card and my license what more do they want a blood sample to prove it is me submitting for the removal? I will sue if they choose to ignore me XXXX more time! this is outrageous and i am sick and tried.
Consumer complaint received 2020-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I received a notice that a fraudulent account that was previously removed from my credit report was sold to a collections agency. I have been dealing with identity theft for the past 2 years. I was told that I can not have the item removed because the collections agency requested that the fraudulent item be reinserted. I have provided FTC and police reports as well as requesting the written documentation which I have not been provided with. I wish to file a formal complaint with company.
Consumer complaint received 2020-02-19
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under the new Walmart - XXXX partnership. Then using my identity he was able to access my XXXX XXXX bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone number. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than ten separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised a resolution within 10 days and never received any further contact. Beyond the {$7500.00} in losses my credit score dropped over 250 points. XXXX XXXX never notified my creditors of my fraud and I have been denied on over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.
Consumer complaint received 2021-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (MN)

I have a charged off credit card reporting on my credit report for Discover ( card ending in XXXX ). I reached a settlement with them on XX/XX/2019 to pay a one time payment of {$7300.00}. In the settlement they stated that once the payment clears my bank account that they would consider this account settled for less than the full balance owed which was {$10000.00}. This was in a settlement from XXXX XXXX XXXX.
Consumer complaint received 2020-02-19
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. (NJ)

I have collections on XXXX XXXX, and Transuion that do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX {$350.00}
Consumer complaint received 2019-08-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

In XX/XX/XXXX I received a letter from USAA on behalf of XXXX XXXX XXXX of the servicing company XXXX. It shows they found a delinquent tax bill. I immediately responded to show documentation of the deferment account I was approved for by the XXXX XXXX XXXX XXXX and explained I was not delinquent or in default. I called USAA and was on the phone for a considerable amount of time while my situation was being assessed and was told that this notice was sent in error by the service companys tax company and to disregard. XX/XX/XXXX Then I got the notice dated XX/XX/XXXX that USAA paid my tax debt of {$13000.00} in early XXXX and that it was to be paid back over XXXX year with an increased payment of {$1500.00} from {$380.00}. 5 years of property tax deferral to be paid back in 12 months. Its an impossible situation that could cost me my only asset, my home. That payment is almost the full amount of my XXXX, social security XXXX check. 

I called the XXXX XXXX tax office who assured me I had not made an error and confirmed that they were sent the entire deferred amount in XXXX. She apologized that this has happened and said it has occurred with other lenders and the instruction for remedy is for USAA to email them to request the return of that full payment to restore my deferred taxes. This is an entitlement program in the Property Tax Code that I was encouraged to apply for and was reassured multiple times that it was a solution in my case of being permanently XXXX and trying to manage being a single parent taking care of my mother in XXXX. 

After calls and emails on XX/XX/XXXX I have yet to have a reply from USAA. I was told my file was escalated to an AVP at XXXX ( not USAA XXXX. But still heard nothing after one week.
Consumer complaint received 2021-11-17
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: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-11-17
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: Paramount Recovery Systems, L.P. (FL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.