davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have tried to have the information removed from my credit report, and equifax keeps sending me information that the reporting company should have sent to my medical insurance company. When I became XXXX in XX/XX/2010, I have had Medicaid, and medicare. (XXXX XXXX XXXX) I lived in Florida at that time They should have billed the state of florida and XXXX XXXX XXXX. Each Time I complain The send me a letter which means nothing to me. it purports to show the information proving that I owe them however it does not show where the State of Florida or XXXX XXXX XXXX   was billed. and now another medical bill is showing on my credit report. it was removed on XXXX, and XXXX   which, a dispute was filed today, however equifax doesnt allow me to go further than paying for their service
Consumer complaint received 2019-09-10
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. (NY)

I XXXX XXXX wish to file a formal complaint with each pertinent credit reporting agency, Experian, XXXX and XXXX XXXX collectively.  A debt collection agency known as XXXX XXXX   is involved in what will eventually be exposed as the largest financial scam against American consumers.  What XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was XXXX XXXX XXXX, and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was XXXX XXXX in a position to own this debt, and for that matter, XXXX XXXX   has clouded their scan even deeper by stating that the debt was acquired by XXXX XXXX XXXX XXXX XXXX, which is affiliated as a sister company of XXXX XXXX, see XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX (2:13-cv-00917), District Court, C.D. California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, XXXX XXXX came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX, and eventually I settled with that agency, even though XXXX could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, XXXX XXXX   never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against XXXX XXXX and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX against XXXX XXXX XXXX XXXX XXXX, and this must give the credit reporting agencies a huge red flag on XXXX XXXX   licensing.
Consumer complaint received 2019-09-10
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. (NV)

Equifax can not find my credit file XXXX and XXXX has no problem. I faxed the copies of social security and identification card to them, they responded that my file is still not able to be found by mail, with my name spelled wrong. I tried to call Equifax, according to their representative, they are not allow to talk or give any information if I cannot verify my identity (which is the exact problem that I have and need help with!). So again, I faxed Equifax with my social security, ID, and the letter that I received, to have them try to solve this issue. Still waiting for response ever since. It has been a month since I send my last fax.
Consumer complaint received 2023-03-28
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. (NV)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I made an online payment of $XXXX on XX/XX/XXXX and payment was withdrawn from my account on XX/XX/XXXX. As of today, XX/XX/XXXX, that payment amount has not been added back to my available credit. They acknowledge that the payment posted to my account on XX/XX/XXXX, but is on hold. When I spoke to the credit card bank, I was told because it was a large payment there is a hold on the amount being credited back of 7 - 10 business days. That is what I believe a deceptive practice. The bank is Synchrony Bank.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (GA)

I have never heard of XXXX until I received a denial letter from XXXX XXXX for an auto loan request. Upon further research they are a connection with XXXX. I do not approve of them having my information, nor do I approve of them issuing my " score '' based upon personal life interactions that are not entirely financial. I should not and do not need to verify my sensitive information with a company that just popped up at random in order for them to freeze my " credit profile ''. This is absurd and I want my " credit profile '' eliminated from their systems if they can't be forced to close up shop.
Consumer complaint received 2023-08-11
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. (CA)

Experian has failed to list accounts which the lender has told me they are reporting on. I have attempted to reach out to Experian, however, there is no dispute process which accounts for this particular issue. At the moment, their response has been exceptionally vague about how credit reports can be affected by a variety of factors. No specific information about why the accounts are not listed on my report.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I got a loan with Citizens Bank on XX/XX/2019 for a loan payment of XXXX every month. I paid mostly through credit card via phone weeks before the loan was due typically the last day of the month ie if it was due on the XX/XX/XXXX I paid on the XX/XX/XXXX. Starting in XX/XX/XXXX they no longer took credit card payments and only would take checking. I called a called citizens and put my checking account on file then I would go online and pay via the checking account. The problem was the representative put my account number in wrong. Citizens did not notify me of this problem and I paid for two months, I thought. I fact I suspected something wrong and talked to a representative who told me yes, in fact the payment went through. This week I got an alert via XXXX XXXX   Citizens was not taking my payment in fact reported that I am delinquent not only charged me a fee but my credit has now been hit with its first ever missed payment. I called Citizens to fix the situation but the representative blamed me and later hung up on my call. Not only did Citizens make the process to pay harder but blamed me when I made payments in good faith.
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Last year around this time I paid bank America XXXX they said I was behind and five month later I received a check from them forXXXX they found my pay meant now they are saying I old themXXXX so I went to the ban I deal with and I send bank America paper that they cash the check  no respond.so now I ask them how I old u all this money went and I just gave u all XXXX back inXX/XX/XXXX so I call them and I was told I will be get a reinstatement calculation  letter so I talk to bank American back in XX/XX/XXXX so I waited a week has pass no letter so to day I went to the post office I received to different reinstatement so I call bank of American and they said they did not send to letter out so I fax them both copy of the letter .and them I was to to call the attorney that is Handel the paper and so I call them and I was told the erase the. Reinstatement went up because the file some thing in the court and I ask went it was filed so the man from the attorney office said it was filed since XX/XX/XXXX and I replied no way because the one date is good until XX/XX/XXXX so u are contradict your self and the fee wasXXXX and not even three week later another letter can out for XXXX    but I received bother letter on XX/XX/XXXX and both envelopes has the same post mark something is wrong with this picture so all this time they never send the letter out and just send both of then together and the attorney fee went fromXXXX   toXXXX  this is a rip of this is andXXXXrip of this is just a big get over on I.JUST think how many more people these company got over on I been in my home 18 year and I don’t no why mortgage company with unit u all most finished paying for your home to put these kind of tricks.but yes I do no why .so u can lose u home and they can resell and make another big profit
Consumer complaint received 2019-09-10
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. (VA)

I have submitted confirmation of payment on accounts listed unpaid on my credit to XXXX, XXXX and Experian SEVERAL times. After several attempts they will not update my credit reports correctly even AFTER submitting documentation from the creditors. Creditors:XXXX XXXX/XXXX- paid in full XX/XX/2018XXXX XXXX XXXX- settled and paid  on XX/XX/2018XXXX XXXX-settled and paid on XX/XX/2018XXXXThese accounts have been and I no longer owe them. Please make these companies update correctly. I have submitted documentation SEVERAL times.
Consumer complaint received 2022-07-27
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. (VA)

In accordance with the FCRA XXXX Account, 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 an account without my written instructions. 

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Moreover, the account does not belong to me. This is willful disregard of the FCRA. 
A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. Metro 2 reporting guidelines state : Accounts reported in error must be deleted.
Consumer complaint received 2019-01-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

As I graduated from the University XXXX XXXX in XX/XX/XXXX as a single mom my student loans became due. At various points throughout my repayment plan I needed an income based reduced payment plan. Navient NEVER offered me anything other than forbearance or deferment plans with accumulating interest. I could not afford full payment so I had no option. When I requested Navient review of my loans due to being a single mother working full time in the XXXX XXXX XXXX field as well as living in Section 8 housing and still not able to consistently pay the full amount of my monthly payments due to the non-negotiable 8 % interest rate I was told by Sallie Mae and then Navient that I didn't qualify because I had no property with which to secure the loan. 
My student loans, due to interest from these periods have now more than doubled to over {$100000.00}. In XX/XX/XXXX when I heard about the option for income based repayment with Navient due to their illegal practices prior, I immediately applied and was approved. 
THE PROBLEM Due to all of the accumulative interest, my now " income based '' payments don't even cover the ongoing accumulative interest on the principle plus interest balance of over {$100000.00}.
Consumer complaint received 2020-09-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

This company below has been constantly threating and calling me as well as sending me 2 day XXXX envelopes for the past 6 months stating that they will sue me for an old credit card debt. 
They harass me every single day From XXXX-XXXX leaving messages on my phone, work and relatives numbers and even though I have spoken to them on several occasions telling them I can not make any payments on this old debt. Especially now with covid-19 and money. They still continue to harass me. 
I went online to check out what other people have been reviewing and it is horrible. 
I would like for someone to please contact them and tell them to please stop harassing! 

Company Name : Midland Credit Management Website :  www.midlandcreditonline.com
Consumer complaint received 2018-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Gerald E Moore & Associates, PC (CO)

Hello there, I XXXX XXXX am filing a complaint against a debt collector. I have attached supporting documents. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that I owed XXXX XXXX XXXX {$6000.00}. I then called, got the runaround was treated rudely and hung up on I disputed the charge and was told that I still owe the debt however, I could send in any documentation supporting my dispute. I also went in to the apartment complex to let them know that I have been formally signed off of this lease since XX/XX/XXXX, for two years they said they had no records they were recently under new management they weren't sure who I could contact at that point. I sent my lease modification to XXXX XXXX XXXX  showing that I was taken off of the lease on XX/XX/XXXX, along with a demand to see proof of the debt ( Copy of letter is attached ). 
I now have some health issues and need a loan to take care of XXXX I was denied. I checked my credit and the debt is still there. I called XXXX XXXX XXXX on XX/XX/XXXX they stated they transferred my debt to another credit company Brett Borland law. 
I then called Brett and Borand Law on XX/XX/XXXX. I explained to them my issues, they were very rude as well. 
I ask if they could point me in the direction of who to call or what management companies name filed this complaint, he told me call XXXX XXXX, I had try to explain they sold the company to someone new and is under new management and if they could please help with some point of contact he said to call XXXX properties. I did call XXXX they said they had purchased the apartments in XXXX, so they do not have any documentation and do not hold the debt. 
Brett and Borland then said I could send in documents that support my claim however, that I still owe the debt, because XXXX XXXX has not released me. I asked for documentation of the debt as well he said they had it however did not offer to send it to me. 
I'm contacting you and also, filing a dispute with the credit bureau, in hopes to get this resolved. In advance, I appreciate your time and taking my complaint on. I felt very lost and felt as if they were going to get away with filing a debt with me that wasn't mine and ruining my credit. I appreciate your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (OR)

Credit alert regarding a Hard Inquiry that I did not request ( XXXX XXXX XXXX ) - Haven't even heard of the company that made the inquiry. I called the company making the inquiry and they had no record of making the inquiry on my credit report. I then filed a dispute with Equifax. They " investigated '' which was complete within an hour or two and credit report remained unchanged. I called Equifax and they indicate they can not change it without supporting documentation and a police report. First, since I requested no inquiry and don't know the company making the inquiry, there is no documentation. Second, no police department is going to file a report for a hard inquiry on my credit report.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (KY)

My credit report ( XXXX  ) shows hard inquiries on me made by Chase Bank every couple months for the past two years. I have never applied for credit with Chase. I have tried contacting Chase directly to figure out why this happening and have not been able to receive any help and it continues happening. I am afraid that someone else is trying to apply for credit using my information. I've also had the same thing happen with XXXX a couple times.
Consumer complaint received 2023-03-28
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2019-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Transcontinental Credit & Collection Corp (NY)

Received a letter from collections that I owe {$28.00} for a medical bill from XX/XX/2018. In fact this bill was paid on XX/XX/18. I called multiple times and explained that I paid this bill in full.
Consumer complaint received 2023-03-28
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. (FL)

TODAYS DATE:XXXX  XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
Consumer complaint received 2023-03-28
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. (CA)

XXXX XXXX  ( XX/XX/XXXX ) and XXXXXXXX XXXX ( XX/XX/XXXX ) made a hard pull on my credit report of TransUnion without my consent.