davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have sent several notices to ALL 3 Reporting Agencies as of XX/XX/XXXX and have YET to hear from ANY OF THEM. I sent other notices after and still NOTHING. This informatios is INCORRECT and hindering me from obtaining a HOME PURCHASE. It has been well over 30 and 60 days now.
Consumer complaint received 2020-10-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I have sent several notices to ALL 3 Reporting Agencies as of XX/XX/XXXX and have YET to hear from ANY OF THEM. I sent other notices after and still NOTHING. This informatios is INCORRECT and hindering me from obtaining a HOME PURCHASE. It has been well over 30 and 60 days now.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CMRE Financial Services, Inc. (TX)

CMRE FINANCIAL SERVICES is reporting inaccurate/unvalidated information to my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. CMRE FINANCIAL SERVICES has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately
Consumer complaint received 2023-01-19
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. (NY)

When I investigated my credit report, I realized that some of the items was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 2020-10-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

This is to notify you that I have tried to submit letters to the three credit bureaus so they can look into an account which is not reporting correctly as it is not mine. None of the credit bureaus has responded to me. I know it takes time but I submitted the letters on the XXXX  of XXXX and we are now on XX/XX/XXXX. I just feel like it's been long enough even including the time it takes for mail to arrive to Georgia, Texas, and Pennsylvania and then sent back to California. I don't know if there is a problem but I am very concerned as I submitted my social security card and a bank statement with the letters and now I am concerned somebody may have stolen the mail. If the credit bureaus did receive my disputes then can they please tell me already and send me something back. I would hate to think of what else could be happening with my personal information.
Consumer complaint received 2020-05-21
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: Experian Information Solutions Inc. (MI)

XXXX XXXX University XXXX XXXX XXXX first issued the XXXX XXXX XXXX XXXX while a successful student at the XXXX XXXX XXXX and several payments were made although I incurred hardship due to economic disadvantages including COVID-19. My current status is postponed until XX/XX/2020 via a phone call from a XXXX representative, XXXX. However upon receipt of my account statement, disclosures of information indicated that fees and an amount should have been adjusted due to the current pandemic. During my attendance at XXXX XXXX University XXXX XXXX XXXX, the XX/XX/XXXX crisis in XXXX XXXX at the XXXX XXXX XXXX XXXX on XXXX XXXX transacted and several bodies were lost such as in the current pandemic of COVID-19 and additional financial relief should be required to offset my XXXX   school studies and other opportunities beyond. In addition to the foregoing, my XXXX school education should be paid for with financial relief disaster plan funds under the executive orders of Governor XXXX XXXX and approved through the White House and all forthcoming Presidents of the United States of America for my long history of problems incurred trying to find work after XXXX school and now as I am applying to return to XXXX in the XXXX at XXXX XXXX XXXX XXXX XXXX even my University of XXXX XXXX XXXX XXXX XXXX XXXX should los be allocated into the funds that would pay for my XXXX education and even XXXX School should that plan fail.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TN)

Walmart card still says that I have an account over the credit limit on my credit report. Credit limit {$500.00} and over {$660.00}. The address for Walmart is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I never opened an account with Walmart and they are still on my credit report with XXXX and XXXX. Please correct this error in regards to Retail Card over the limit.
Consumer complaint received 2021-09-15
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. (NY)

I originally applied to XXXX XXXX for my mortgage was approved and closed/purchased my home. A mortgage service company XXXX XXXX provided mortgage services to my account but was never the lender or owned my mortgage. XXXX XXXX is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX XXXX is also reporting the exact same information which is correct but XXXX XXXX XXXX need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck.
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (OH)

I received no notice from MBA Law regarding a medical debt that accrued in XX/XX/XXXX, nor did I receive any notice from XXXX XXXX where this supposedly originated from. I did not receive a single phone call nor did I receive a single notice in the mail or anything electronically. I check my credit report frequently, and recently there was a collections account placed with MBA Law stating that I owe {$1000.00}. To my knowledge, this debt was settled in full in XX/XX/XXXX - I have proof of payment. I have contacted MBA Law 5 times, asking that a representative with their company contact me regarding this matter and to provide proof that this debt is in fact owed. I have not received one response from MBA other than them finally sending me a PDF that overviews the debt. I have asked several times for further proof and if it is in fact mine I will then negotiate. I want this removed from credit report immediately as it has negatively impacted my score. I have yet to receive a response. I have attached the original notice of Debt from XXXX XXXX services that outline the debts accrued from XXXX from two separate visits in XX/XX/XXXX. I have also included the proof of payment after a negotiation.
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (PA)

According to my credit report via XXXX XXXX, a First Progress Card was opened XX/XX/XXXX. At the time the account was opened I was incarcerated. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX therefore I am not responsible for this account. This account was opened fraudulently using my information. I have contacted First Progress Card and no action was taken. I would like this account deleted from all credit bureaus and a discharge of debt.
Consumer complaint received 2023-05-01
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. (NC)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft.These items are unknown to me. Also, the information you provided on items are DELETED from other bureaus and I have doubts in their accuracy and they are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX 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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2020-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 I purchased a purse from someone on XXXX. It was in the amount of {$180.00}. I received a confirmation and a tracking number. I received the box attached to the tracking number, however the item was not included. I was out of town when the box was delivered but my mom was home and brought the package inside. 4 days later when I got home I opened the box. ( I was out of town for a funeral ) The box only had magazines in it. I reached out to XXXX and they said they have a 3 day dispute policy and I needed to reach out to my bank. I did and I spoke to a claims agent and gave him all the info he asked for. I asked him if I needed to " return '' the box even though it didn't have the product, the agent said no. I received a response letter from my bank, XXXX had provided the tracking sheets showing it was delivered however I never argued a box was delivered. My argument was that the item was not in there and I got scammed. They asked my to appeal their response with a letter explaining the situation. I did. They responded again and said that " I needed to return the box even if it didn't have the item inside. '' I asked this specific question previously and was told no. So again, I reached out to my bank and they told me that the " temporary credit '' I received while they investigated will be pulled back out of my acct by the end of XX/XX/2020. When I explained the situation, yet again, I was told that " It has now went past the amount of time that my bank could help me '' and I needed to reach out to you to get this resolved. Please help.
Consumer complaint received 2023-01-20
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. (CA)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED. I need this account verified in order to clarify my credit report Here is the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-31
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX/XXXX XXXX US DEPT OF ED/XXXX XXXX INQUIRIES : XXXX- XX/XX/2019 XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX- XX/XX/2019
Consumer complaint received 2020-11-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (CA)

I am a senior citizen Fraud identity theft victim where my name adress social security number was stolen used to create fraud account with XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX notified there collectiobs agency Credit Management L.P. Whom Harrased me for {$1400.00} If which I do Not owe XXXX XXXX  since. My identity was stolen used to open create a FRAUD Account with XXXX there Harrasing me of a innocent senior of ID Theft is uncalled for I have been Harrased as a victim by credit Management L.P whom told me this was a FEAUD Account on XX/XX/2020 finally received a letter from. Credit Management LP awknowledgung I am not responsible of {$1400.00} as this was s Fraud account dated XX/XX/2020 closing account & not reporting it to the credit bureau
Consumer complaint received 2019-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (CA)

Harris and Harris Debt collectors uses a robo caller to call my home phone number incessantly. I've received dozens of " robo '' voice mail messages. Today, I was home from work so I answered the call myself. Again, it is a robo caller/recorded message telling me they are debt collectors. I have no past due debts. I recently refinanced my home and there was nothing negative on my credit report. Additionally, when I XXXX the telephone number, I discovered many, many similar complaints. The number is registered to XXXX XXXX XXXX, a lawyer and debt collector in Illinois. From my research, it appears he collects old debts for parking tickets and outstanding tolls. The biggest problem I see with this is, I live in California, and other than a layover at XXXX XXXX, I've never been to the state of Illinois. I've never driven in Illinois. I've never walked outside the XXXX airport! I've never taken my car outside of California. If I drive out of state, it is always a rental car. The rental car agencies pay the tolls and automatically bill the credit card they have on file for their customer. There is no possibility I owe a toll or parking ticket fine to ANY municipality. 

Harris and Harris Debt Collectors appear to be scam artists. XXXX is their phone number as it appears in caller ID.
Consumer complaint received 2021-09-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (CA)

XXXX XXXX XXXX XXXX is a third party debt collection company that continues to furnish medical debts on my consumer report. Also they continue to contact me about this alleged debt from various phone numbers which is harassment and abuse. I do not know whom this company is, and I have no legally binding contracts with them. I sent them a letter to validate this alleged debt on XX/XX/2021 and I still have not heard anything but I did receive a return receipt.
Consumer complaint received 2017-08-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On Tuesday XX/XX/XXXX 2017, I contacted Trans union regarding a copy of my Credit File received by me. The entire conversation was meaningless. The person I spoke with was not fluent in English and was very hard to understand. The entire conversation became very difficult and I eventually hung up the telephone. First and foremost, I do not like the ideal of Trans Union changing dates from the original date in which a Collection Agency reports to Trans Union.  Just because the original creditor keeps selling the debt to different Collection Agencies gives Trans Union no reason the change the original reported date. By handling the situation in this manner will only continue to have the reported amount linger on the report much longer than the original stature of seven ( 7 ) years from the dated it is reported. In disputing the creditor XXXX XXXX XXXX # XXXX Amount {$750.00} From XXXX XXXX XXXX XXXX Hospital, I ask for this agency to provide me with a copy of a statement of items to link me to the bill of & XXXX. All Account Resolution Service Accounts # XXXX were asked by me for Trans Union to ask for a copy of statements of listed items linking me to the bills listed. XXXX, the person I spoke with said he could not ask the Collection Agency for what I was requesting. I asked why? I have asked for theses documents upon several occasions and was brushed off as if this was not important. I personal contacted XXXX XXXX XXXX regarding account # XXXX amount {$680.00} for documents with my signature to be mailed to me. I was told that I was not getting any such paperwork and I needed to pay the bill. Maybe I will if indeed their is paperwork with my siguture attache to it. I also noticed the XXXX XXXX account is in good standing, but separated from the Satisfactory accounts listed. I would like that to be corrected immediately. XXXX seems to to have too much extermination to correct the items on a credit report without letting the Agencies take care of the request themselves. I have reason to believe he feels he has to help the Creditors in some way, and they need to be protected. I remind him he was in Customer Service to provide a service to the Public,  not to make decisions that is not in his Scope of Responsibilities. If I am accused of having accounts reported to the three Credit Bureaus and feel that information is not true, then I would ask for proof.
Consumer complaint received 2019-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I have had my checking account with SchoolsFirst FCU for a fee years and have ALWAYS paid my bills on time with them. My account is a functioning daily usage account. I have been threatened by a customer service agent called XXXX that my debit card usage will be cancelled and that I will be allowed ONLY ATM use because of the number of disputes that Ive had! I have ALWSYS povided and offered to provide physical AND email conversations with vendors that VERIFY and SUPPORT the logic of my disputes.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but have gotten no response and it still remains on XXXX and XXXX. Please help me resolve this issue as it should not have been on my report to begin with. I paid it immediately once i saw it and was told it would be removed and it is effecting my ability to get a home loan.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I mailed in a request for credit line blocking along with a copy of my D L, SSC, I dentity Theft Affidavit, and proof of address. It was sent by certified mail on  XXXX   XXXX . To my understanding it has yet to be processed and the time fra me is 4 busine ss days. I have called numerous times to check the status and I believe the people overseas who answers the calls have absolutely no idea what I 'm talking about. I 'm completely getting the run around and being told to check back.
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Credit Corporation (VA)

Avant allow a person to use my information to open up an account and they are refusing to remove this fraudulent debt, even though they've acknowledged that the debt was not mine. They have yet to produce my wet signature to confirm this was my debt.
Consumer complaint received 2022-04-05
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. (NC)

I had an inquiry on my acct from Equifax back in XXXX.I disputed w them..I called the creditor they do not have my information ... and equifax has yet to remove this inquiry. I sent a complaint to you all back in XX/XX/21 you guys closed the case bc equifax said they needed more time.Its been a year and this inquiry is still on my acct. And I have spoken w discover 3 times and they have no record of me.