davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$500.00}
Consumer complaint received 2020-11-30
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. (AR)

Well, the process has been tremendously overwhelming to me as well as my daughter. This has been a 19-year process that has been devastated to me in resolving these issues with my identity as well as my daughter. It started when I worked for XXXX  XXXX  XXXX  when my daughter 's SSN number became my SSN number after being laid off for a week in the year of XXXX. Her SSN number became mine in the credit bureaus, which has been an ongoing problem with credit, taxes, and other related matters to my credit and taxes through all banks and credit reporting agencies. I have filed so many complaints with CFPB as you all probably can see. In the year of XXXX, there was a pre-approved letter stating to apply for a loan through XXXX XXXX, after making a call to the company about that it would not take my SSN the representative input the SSN because it would not take my SSN. After making payments for several months I got suspicious about the activity of the account because of the way it was set up on their end, so I thought I would apply because of the nature of the suspicious activity of the account that when I found out in the year of XXXX that I did not have an account in XXXX of XXXX with XXXX  XXXX.That when the fight began it was put on my credit report knowing it was not my SSN that XXXX  had used to create this account.I filed a complaint against XXXX  in the year XXXX through CFPB, as you can see there is no signature on documents from XXXX, which this picture was taken on XX/XX/XXXX, which the loan was generated in XX/XX/XXXX. Each credit report has denied that the information was not put on my credit report which it was put on my credit report knowingly that it was not my account as reported by XXXX  XXXX.I will be downloading documents from each credit bureau that it was put on my credit report.I even filed a complaint with the Arkansas Consumer Protection Bureau as well but never got an answer from the Arkansas Financial Protection Bureau in the year of XXXX it was filed through the Attorney General Office in that year of XXXX. If you would look at the two that are filed with you all on XX/XX/XXXX, you could see what was filed in this matter, with no response from the Arkansas Consumer Protection Bureau. On this day of XX/XX/XXXX XXXX
Consumer complaint received 2020-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (FL)

I contact you about the derogatory mark that is appear to my credit report, I tried to contact many time no one can answer the phone so they can give me the reason wry it appear to my credit report. Therefore, I contact CFPB so you guys can help me solve that issue. Here is the number that I contacted them XXXX there are unprofessional. and please I want this matter solve.
Consumer complaint received 2021-08-16
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)

I filed a dispute against XXXX for reporting inaccurate information on my credit report. In the dispute I requested to see verifiable proof of debt ( i.e. : an original consumer contract with my signature on it XXXX that you have on file and I also requested XXXX to Provide a copy of my signature with the provider of service to release my medical information to XXXX. The company did not provide me with a Hippa release form of me giving authorization for them to obtain my personal medical information. This dispute was filed on XX/XX/XXXX. 
The credit reporting agency updated my credit profile saying that the information was verified but didn't receive anything in writing in mail giving me the chance to verify this alleged debt. However prior to XX/XX/XXXX I filed a cfpb complaint with this company and they failed to respond but they mailed me my contract with XXXX XXXX with my signature and also what procedures I had done. This is a direct violation against the HIPPA protection Law. I have filed a direct complaint with HIPPA and the receipt number is XXXX.
Consumer complaint received 2021-08-16
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

I contacted the the servicer in XX/XX/2021 about them incorrectly reporting that some of my loans were reporting as late in the past. They had recently fixed some of their other errors on my reports but did not fix them all. They refuse to fix their errors and have not been responsive in the past to keeping me informed of the status of my loans. They now will be dropping my loans at the end of this year and I fear that their errors will never be able to be fixed which will adversely effect my financial life. Please contact them to get these erroneous late payments removed from my credit report.
Consumer complaint received 2022-04-07
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. (MS)

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 2022-04-07
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. (SC)

I sent dispute letter to XXXX on XX/XX/2022. It is now XX/XX/2022. On XX/XX/2022 I disputed the following accounts. 
XXXX Account number XXXX {$7500.00} XXXXl XXXX Account number XXXX {$1300.00} XXXXXXXX XXXX Account number XXXX {$960.00} XXXX XXXXr Account number XXXX {$460.00} XXXX Account number XXXX {$1000.00} XXXX Account number XXXX {$3500.00} XXXX Account number XXXX {$5100.00} XXXX Account number XXXX {$9500.00} XXXX Account number XXXX {$5700.00} XXXX Bank Account number XXXX {$1000.00} XXXX XXXX Account number XXXX {$750.00} XXXX XXXX XXXXXXXX Account number XXXX {$5000.00} XXXX XXXX Account number XXXX {$370.00}
Consumer complaint received 2021-04-03
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)

I submitted a dispute to equifax.com about unauthorized credit inquires listed on my equifax.com credit file. They never investigated them. I submitted documentation and they never investigated them. I have a right under the fair credit act to have them investigated by each company. I sent the letters for them as well.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XXXX and Equifax are reporting a chapter XXXX bankruptcy but XXXX is showing a XX/XX/XXXX discharge and Equifax is showing a XX/XX/XXXX filing. Neither is accurate. I dont have a discharge or a filed open bankruptcy. I went to the court and saw this information is not true. The clerk of the court said they do not give that info to the agencies either. Both companies said the saw on XXXX XXXX. I complained to XXXX XXXX, they changed it and recommended I freeze my file. I did last year. Both agencies have not removed. I even sent a copy of my XXXX file to them showing it is not on there. They are still quoting the XXXX XXXX file, I have demanded they forwarded me a copy of that report, they have not
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (CO)

I called the customer service phone number and they say my account has a restriction that is causing a problem.i have completed the request documents and I still have a blocked account witch is preventing me from obtaining a new card sent to my new address .they deactivated my old card then told me they couldn't issues another one until my restriction has become removed.its been a week since I sent the documents and still nothing. I called XXXX XXXX XXXX and was told to submit a XXXX .I submited the documents and they still have my account on block with the restriction
Consumer complaint received 2020-10-23
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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc. (WA)

They have given false documention of a apartment complex XXXX XXXX the company national credit system is falsey reporting a differnt amount of XXXX dollars to c all credit bureus and i seek to have them investigated this has made me and my childeren XXXX   and has inpacted my life because of outstanding balance I have uploaded court documents my question is how is this legal and how can they keep doing these and can they change amount now that i made a complaint
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Opened : XX/XX/2018 ( 1 yr, 3 mos ) Account status : Open Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX I am writing to dispute the negative report issued by XXXX  XXXX XXXX  on XX/XX/2018. ( See attached ). They were my landlords. 

I always made my rent payments on time. 

I have a copy of my payment confirmation dated XX/XX/2018, which was my final payment under the lease. 

I have never been contacted by XXXX  XXXX XXXX for collection. 

XXXX  XXXX XXXX will not respond to any of my direct inquiries. 

I reported this issue to the credit reporting agencies and provided them with proof of payment, but they have refused to remove the collection from my credit report.
Consumer complaint received 2019-03-05
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: Midwest Recovery Systems (FL)

Midwest Recovery Systems is in violation of my HIPPA rights. I reached out to the company over 30 days ago and no response. I requested validation of the alleged debt and haven't received anything.
Consumer complaint received 2017-09-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I have been victimized by the XXXX real estate crisis. Was given bad information pertaining to a re-fi loan application back in XXXX. Had perfect credit score until that point when I was instructed by advisors to miss at least 6 mortgage payments to become eligible. While following their directions my mortgage company began the foreclosure process. I had to scramble to maintain my home. Had to pay {$15000.00} to reestablish a 40 year mortgage at 7.75 % interest rate to keep from losing my home. Since XXXX, my guaranteed mortgage was converted into a none guaranteed mortgage causing me a problem getting any refinance consideration due to the fact it was now a none guaranteed mortgage. This process whereby my mortgage is bought and sold has occurred no less than a half dozen times. Most recently is occurring right now as my mortgage is being sold to XXXX XXXX XXXX effective next month. 
I want to be able to refinance my mortgage at a reasonable rate but because the status of my mortgage has changed I am ineligible.
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MIDLAND FUNDING would verify the debt. So I took it upon myself to ask MIDLAND FUNDING for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

Happy Sunday and hopefully youre doing well during this pandemic Covid19. I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy XXXX record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Consumer complaint received 2015-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (PA)

I advised that I was unaware of debt. Notified it was a mistake on XXXX. I have an account in good standing with them. Told them I would resolve the issue and was told they would take me off of call list. They r now calling over 5 times a day on my home phone.
Consumer complaint received 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Genesis Credit Management, LLC (ND)

I received a letter dated XXXX XXXX, 2016 from Genesis Credit Management in which they asserted that I owe a debt of {$1400.00} to XXXX XXXX XXXX. I sent them a letter dated XXXX XXXX, 2016 disputing this debt and asking for the name and address of the creditor and proof of my responsibility to the debt, along with requesting that the debt be reported as under dispute to credit reporting agencies, and also requesting that any further communications should be in writing and limited to either their failure to verify the debt or the information I requested. I sent the letter certified mail, return receipt requested, and I received proof of their receipt of my letter dated XXXX XXXX, 2016. To this date, I have not received any written communication at all, the disputed item remains on my credit report, and the company continues to call my wife and me on a weekly basis.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

I have been using a credit card " dental '' from XXXX XXXX XXXX issued via Comenity Bank for the past 18 months. My payment dates is the XX/XX/XXXX of every month. I made the last payment online of {$100.00} to be deducted from my account of the due date. On XX/XX/XXXX I realized that my final payment was due on the XX/XX/XXXX, not the XX/XX/XXXX. I  called and the representative informed me that she could cancel it and I made the payment the same day which I did. I was so eager to make the last payment that instead of me submitting total balance {$100.00}, I submit minimum payment {$27.00}. 
A few days when I checked my account I realized that only the minimum payment was deducted. I immediately contacted them and they told me they would not be able to do anything until the XX/XX/XXXX ( billing cycle period ). I called back and was rudely informed that their is nothing they can do because I was the one using the card and it should be my responsibility that my payments were made. They also informed me that it is in their system that I did make a payment before the due date and it was then cancelled. I am wiling to pay something for the honest mistake but {$340.00} for a honest mistake is too much. 
I have made several calls and written a letter to the dispute center and no one as reach out to me. I have made several attempts to have this issues resolved and to no avail. It's obvious from the reviews I have read that this company does not care about consumers/customers. Thank you for your time.
Consumer complaint received 2020-05-28
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. (IL)

I've disputed a judgment reporting on my credit report. This judgment is in violation of the FDCPA to my rights to privacy pursuant to the Privacy Act of 1974, and this judgment is also defamation. 

Note : Generally, defamation is a false and unprivileged statement of fact that is harmful to someone's reputation, and published " with fault '' meaning as a result of negligence or malice. 

I've asked the credit bureau for verification and they have not sent any proof of verification yet they refuse to remove this judgment. 

I then went to the United States Bankruptcy Court and was given a written statement claiming they do not validate nor verify any recorded documents to credit bureaus or third parties. 

So this judgment is reporting erroneously and its only intent is to cause harm to my character and reputation. Because this item is reporting erroneously it is in fact keeping me from job opportunities and other financial endeavors, which can only be defamation and an ill way to slander my character. 

I have sent letters to the bureaus letting them know that if this is not resolved I will have to take legal action and it may result in a law suit for defamation, negligent enablement of identity fraud, and violations of the fair credit reporting act.