davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent out dispute letters regarding Bankruptcy to TransUnion on XX/XX/2021 which was well over 30 days ago. My complaint was to have Bankruptcy removed from my TransUnion report. I wrote a letter to courts regarding reporting to CRA and they wrote me back stating they do not report. I only disputed with XXXX and sent proof to CRA. I sent ALL proof. XXXX was unable to verify the Bankruptcy so it was REMOVED.
Consumer complaint received 2023-04-03
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. (MD)

Through out XXXX - XXXX I have been trying to figure out why Equifax is reporting inaccurate information on my report. They are currently reporting XXXX XXXX XXXX as being opened on XX/XX/XXXX with a balance of {$19000.00}. The credit limit is allegedly {$15000.00} and the amount past due is {$19000.00}. The payment status is reading collection/chargeoff while the payment history has Ok from XX/XX/XXXX to XX/XX/XXXX in which they are updating the date of last activity. The date of last active is XX/XX/XXXX and the date of last payment is XX/XX/XXXX. Now how can this be a charge off account opening in XX/XX/XXXX and then charged off and the date of last payment is XX/XX/XXXX.
Consumer complaint received 2021-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (WA)

I never signed a contract with this company. I have reached out directly to this company numerous times as well as the three major credit bureaus asking them to provide VERIFIABLE PROOF THAT THIS IS MY DEBT. They have been ignoring my letters which is grounds for deletion.
Consumer complaint received 2018-02-07
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)

I am from XXXX county Indiana of XXXX XXXX Hospital of XXXX XXXX Indiana of XX/XX/1972 Others copied my documents attached to my social security number and data 50 states wide and in XXXX and XXXX As counter ids scams using business permits scams and never asked me per the IRS I have been used a sinage by many land development using my documents as landdelopments and consideration business Federal and state not authorized Others fraud the doctor listed on my birth certificate long form of XXXX XXXX XXXX and XXXX  XXXX Then others frauded my immazation record of XXXX XXXX of XXXX county Indiana I have been deniged credit card and department stores change card and loans and payday loans and scotter and RV loans and mobile homes loans for 18 years Others used my credit files as retailers store 's and banking and financial and business and banking permits and 50 states grocery store products with receipts, and marina and apartment building permits and politican listings and lawyers and judges and law offices and police and clothing and chruch groups and auto stores and consideration permits and insurance workers and IRS retailers workers and semi truck and semi truck business permits Schools and school products and services and building permits business and advertising
Consumer complaint received 2018-02-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Solidus Group LLC. (IA)

They called me at XXXX PM CST for someone's debt told me they had legal papers, for a person not me. I asked them to stop calling me as I am not the person. I then hung up, they called back and left voice mail at XXXX, then at XXXX PM they called me back again I ask for a legal address so I could in writing ask them to stop and they would not give it to me, Hung up on me 3 times then blocked my number.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX  Account Name : XXXX XXXX  XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2018-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (NJ)

Contacted by Debt Collector, Franklin Collections Services , Inc. ( FCS ) in regards to repayment. I spoke to a Representative & agreed to pay {$50.00} per month through auto withdraw from my checking account. Instead of taking {$50.00} as agreed, they took an additional {$15.00} with each payment, which was not disclosed at time of making the repayment agreement. FCS did 3 transactions over a 3 month period after my Bank Institution stopped all payments. FCS was notified by telephone as well as Email to stop all withdraws as well as provide recorded conversations explaining that I was notified of additional fees & so far, FCS, has failed to do so & withdrew on my account. After payments were reversed 3 months later, FCS charged me a fee for reversing payment which again I was not notified of & FCS was notified to again, stop. I have made several calls to rectify this & told I would be called back by a Supervisor that never came about. Additionally this Debt Collector is not licensed in the State of New Jersey, which I reside in. 
Dates of Withdraw XX/XX/XXXX {$50.00} + {$15.00} XX/XX/XXXX {$50.00} + {$15.00} XX/XX/XXXX {$50.00} + {$15.00}
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

On XX/XX/22 I received a letter from Portfolio recovery is attempting to collect a debt {$470.00} that they purchased from XXXX XXXX XXXX for pennies on the dollar, that neither company would validate and sold. I had it removed off my consumer report then Portfolio recovery bought the debt and placed it back on my consumer report with out my knowledge. Now they are contacting me at my private address that I gave them no permission to do so. I do not have any contract with them nor have they validated the debt, they just sent me a copy of some paper statement that can be printed out. They have the debt listed as collection/charge off on my consumer report which is illegal since they did not charge it off or have a contract with me. I have contacted them and ask to stop reporting this debt and discontinue reporting any trying to collect this debt. They ignored me and said they validated it which I know they did not.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-03-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION (PA)

On XX/XX/XXXX, I financed a vehicle from XXXX XXXX and they charged me additional taxes and fees adding up to {$2300.00} that was supposed to be included in the financed charge which is fraud. On XX/XX/XXXX, I have sent them a letter of Revocation of Power of Attorney and on XXXX XXXX I sent them an Affidavit, and a Rescission of Contract to settle this fraudulent matter.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (DE)

I have NEVER applied for a self account. The company and asked them for a letter to remove this account and they stated they could not. It was never paid because I had no knowledge of this account. The account was requested to be removed was not removed. I need the Self Lender account removed because it is not my account and I have never applied for a self lender account. It is reflected late payments and is hurting my credit report m. I have other accounts that reflect perfectly fine. This needs to be removed ASAP. Thanks
Consumer complaint received 2020-09-23
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. (NY)

The account reported to the credit bureau does not belong to me It belongs to my ex spouse who add me as second card holder without my consent. 
On the report it states that account is joint but I never sign an agrement with the credit card company but husband is the primary responsable. 
I disputed it with the credit bureau but it remains in my report wich I find unfair
Consumer complaint received 2021-01-23
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: Phoenix Financial Services LLC (AL)

I have filed multiple complaints on the Creditor accounts included. None have ended with any resolve. I have filed police reports and sent them to credit bureaus along with supporting documents of ID theft packages and these accounts continue to appear after 3 rounds of disputes. XXXX refuses to remove the erroneous accounts listed in the reports previously provided to them nor have they updated my report to block the items in question. XXXX XXXX XXXX is reporting a fraudulent account despite several disputes on my behalf for this to be removed. Phoenix Financial has also been informed. This bill has been previously disputed when it was being reported by a different creditor.
Consumer complaint received 2018-02-06
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: CCS Financial Services, Inc. (TX)

ATTEMPTED TO RESOLVE REPORTING PROBLEM WITH ALL THREE COMPANIES : XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX. THERE ARE ISSUES REGARDING OPEN DATES, DATE LAST REPORTED AND WHEN ACCOUNT CLOSED.
Consumer complaint received 2023-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

These 2 collections were taken off my credit in XXXX of XXXX. Myself and the instance I had at the time contacted the collection agency and my insurance told them the company had a year to bill them and after that they could not. I disputed these collections and they were taken OFF my credit. XX/XX/XXXX. The same collection agency has put them back on there XX/XX/XXXX. I have contacted them several times only to be yelled at saying Im responsible and that they did not take them off because of what insurance told them back then that they sold it to another agency and that was the reason when thats false. The lady saying that didnt work there then and it was taken off as soon as i disputed it then and after the insurance lady spoke to them. We were told it was gon na be taken off which it was. In XXXX. I need these taken off. I have the dispute results from XX/XX/XXXX which shows they were taken off and I did not owe and was not responsible.
Consumer complaint received 2022-01-09
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. (IN)

This is another complaint to my list of complaints on the Credit Reporting Agencies, and their negligence in validating and correction Consumer Credit Reports. 
XXXX, debt collector, is listed on my credit report, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX, phone number listed ( XXXX ) XXXX. The credit report shows that the account number XXXX is closed, and XXXX as the amount. It says, " account transferred to another office '', there is no original creditor listed. It also reflects that, " student loan assigned to government ''. The account is incomplete and inaccurate. 
This account is damaging my credit worthiness, due to the defamation of character. What is the PERMISSIBLE PURPOSE ( 15 USC 1681b ) ) for XXXX  to be listed on my consumer credit report? Did XXXX extend credit? Is there a two-signature contract? 
I demand that Experian validate the alleged debt. 
I am demand proof of clam for this alleged debt from XXXX.
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2020-09-23
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC (GA)

On Mon XX/XX/XXXX XXXX PDT, XXXX  from Asset Recovery Solutions ( a debt collection company ) called my brother to collect a debt from me. The Debt collector proceeded to state the last 4-digits of my SSN to my brother to verify that he was me. She agreed to being recorded and I have a recorded conversation of her stating my Personally Identifiable Information aloud over the phone which is a HIPPA violation ( attached ).
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (LA)

XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally.

XXXX  ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX  and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service.

XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX   doesn't have any documentation, where I have agreed to service or signed for service.
Consumer complaint received 2022-10-14
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. (CA)

Equifax is reporting a credit inquiry dated XX/XX/2021 from XXXX XXXX XXXX XXXX XXXX that I was not authorized by me and has been as a result of fraud. I advised and disputed this credit inquiry to Equifax and Equifax has failed to remove said inquiry.
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

I received an itemized list of the reason portions of my security deposit was being withheld, the amount totaled {$190.00}. Items listed were final water bill, - {$57.00} and 3 days of pro-rated rent - {$130.00}. After receiving the check I reached out to my rental company outlining why my full security deposit should be return, the email is attached. Beginning on XX/XX/XXXX I started receiving phone calls from a debit collector, Fair Collections & Outsourcing , Inc. ( FCO ) and it wasn't until I XX/XX/XXXX when I finally spoke with the collector to determine the reason for the call. XXXX  XXXX, whom had already withheld the - {$190.00}, turned me over to this collection agency to collect a debt that was already withheld from the security deposit. Thus FCO is attempting to collect a debt already paid, please see the documents attached. 

You will notice that the reason for the collection, pro-rated rent and " damage charges '' differ from the final notice sent by XXXX XXXX, which states " final water bill - {$57.00}, also attached. I feel that I'm being retaliated against by XXXX XXXX for my persistence in asking them to return my full security deposit as the claims are bogus.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted proof to all three credit bureaus that my identity was stolen and accounts where open while I was in prison and to date they have nor will they remove this information from my credit report.