davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2017-10-02
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. (MI)

This relates to : XXXX I was seriously considered when this company review my case. Well after the security breach at Equifax that exposed my credit profile yet again, I have requested with follow up the removal of the hard inquires on my credit report. The Equifax breach allowed other attempts o my and millions of other XXXX  XXXX with the past year. I Believe if CFPB can not compel XXXX to remove these items I will have no choice but to escalate to court of law. I make no empty threats as I have done so in the past. ( see XXXX )
Consumer complaint received 2018-03-14
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. (OH)

There are 2 accounts on my credit report that show I owe XXXX to XXXX and XXXXXXXX XXXX. This account has been settled with XXXX XXXX  XXXX. Remove both accounts from credit report.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (FL)

The company XXXX has been consistently reporting incorrect information in my comments that account is closed at consumer request They have reporting balances as the account is good standing and never late but refusing to update status to open since is account open with a paid statement every month. This has been going on since XX/XX/XXXX. I receive automated letters saying it will update in 30 to 60 days. This is my 3rd letter of this kind saying that. The last one in  XX/XX/XXXX but XXXX investigated with a reponse that account closed with a Balance deceasing every month.
Consumer complaint received 2017-10-02
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. (MI)

This relates to : XXXX I was seriously considered when this company review my case. Well after the security breach at XXXX that exposed my credit profile yet again, I have requested with follow up the removal of the hard inquires on my credit report. The XXXX breach allowed other attempts o my and millions of other Americans Profile with the past year. I Believe if CFPB can not compel Experian to remove these items I will have no choice but to escalate to court of law. I make no empty threats as I have done so in the past. ( see XXXX )
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Cap One is reporting an unpaid balance and reoccurring delinquency dates for two cards that they canceled the debt on and issued me 1099 's for in 2015 to pay taxes on as income. They are illegally reporting these items still after all these years. 

See the screenshots of the 1099 's and recent credit report attached for the two accounts ending in XXXX and XXXX
Consumer complaint received 2021-07-11
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: EQUIFAX, INC. (TX)

My was broken into and all my personal belongings were stolen. Now someone has been attempting to open accounts in my name. These are inquires that I did not do.
Consumer complaint received 2019-03-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (IN)

In XX/XX/XXXX I applied for and received an online loan from XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount we loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could do I contacted the Indiana Department of Financial Institutions and the Indiana Secretary of State, both of which informed me that XXXX wasnt licensed in the state of Indiana, theyre tribal leaders and charged illegal rates of interest. They advised me that the loans were illegal thus making them null, void and uncollectable. Upon receiving this information I contacted XXXX via phone and told the what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - Complete Credit Solutions , Inc . 
In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said they a case manger would look into it. I wasnt given any time or even the persons name. I then contacted Complete credit solutions- who were very rude and basically said that they have money on this account and I needed to pay. I advised them that the loan was null, void and uncollectable but they insisted that this legal for them to report this to the credit bureau. I have since then filed a dispute within the credit bureau XXXX. 

I also had another loan with XXXX that I received in XX/XX/XXXX paid in full in XX/XX/XXXX. Loan amount was {$800.00} total amount paid {$2000.00}.
Consumer complaint received 2015-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS (NJ)

On XXXX/XXXX/2015 I sent Lexis Nexis disputes department an email which contained and FTC Affidavit, Police Report and a letter disputing over XXXX addresses that they had in their file for me. Email addresses that they have for me and reported bankruptcy information that they had reported on their consumer file and that they have also reported to other CRA 's that has drastically hurt me financially. I am the victim of identity theft and I asked Lexis Nexis to please freeze all the reports company wide so that no one can access them because the information is very inaccurate. They have done so but what they have n't done was to remove all the disputed addresses and the bad inaccurate information associated with those addresses. They sent me back a report stating that they have removed and or deleted the disputed information but they have not. All the inaccurate information is still listed and they have n't done a thing. All the addresses are still listed all the different variations of my name is still listed all the different bankruptcies in the XXXX different states are still listed. And there is also a judgement listed for an address that is being reported against me is still there and it has n't been removed. They have had well over the 30 day permitted time to remove these items and they have not done anything at all. What is the use in trying to protect myself and what is being reported against me if they want do their jobs and remove the fraudulent information and if they are getting this information from someone they are suppose to let me know so that I can contact that agency and get the fraudulent information removed. I again have attached the FTC Report, Police Report and the letter previously sent to them. Please block and delete these disputed items and do n't let them be re-inserted. Please do not report this wrong information to anyone else because it has cost me a job and declines from credit. Please fix this immediately
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I have Disputed incorrect and illegal reporting of account info, balances and statuson my credit report on my OPEN Bankrupcty case with the creditor XXXX XXXX twice to no avail with XXXX and XXXX on debt that is currently included in my Chapter XXXX XXXX case # XXXX with a file date of XXXX. Both bureaus refuse to remove and debtor is still currently reporting late/missed payments and increasing balance monthly with an Open status which is clearly a violation of the U. S. Bankrupcty Code. DELETE
Consumer complaint received 2020-06-23
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: Synovus Bank (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (FL)

I have been a Discover credit card holder, in good standing, since about 2010. I recently noticed that I have been getting charged a Payment Protection fee every month. For quite a while now they have been sneaking in this almost {$24.00} fee monthly. When i looked into my billing history I realized that the " protection '' fee has been charged onto my account for the past seven years or at least as far back as i am able to search into my billing history. 

My husband got in contact with Discover to dispute this " protection plan '' which I did not sign up for. He explained to them that I never signed up for it and that i wanted to be refunded for the money i have paid them. The agent told him they could only reimburse us with 6 months of charges, which totaled {$140.00}. They did reimburse us but i am not satisfied with this reimbursement. They have taken so much money from me and clearly without my consent. I am up to date with my payments and have been very responsible to pay them. I think even their reimbursement is an admission of their guilt. I appreciate the effort they made, but it does not make up for the years they have been taking my money.
Consumer complaint received 2017-11-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (GA)

On XX/XX/XXXX a fax was sent to XXXX, XXXX in regards to validation of a {$990.00} debt that I supposedly owe to them. The company did not respond to my request. A second fax was sent to XXXX, XXXX again on XX/XX/XXXX demanding validation of the debt. I have still not been contacted by them. If they have attempted phone contact, that is a violation of my consumer rights as I demanded written validation, not a phone call. Both faxes were sent to fax number XXXX. This fax number was provided by a consumer service page. The company has violated federal consumer law by not providing a fax number on their open to the public website. I demand the company cease and desist all collection activity and also remove the trade line from my credit report.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I requested my annual credit report via http : //annualcreditreport.com. 

I successfully accessed XXXX and XXXX 

Transunion presented the following error : We are unable to complete your request What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : Please contact us at XXXX XXXX XXXX XXXX to initiate a dispute via telephone, during our normal business hours ( XXXX to XXXX ET Mon-Fri ). You can also mail your dispute. 

I called XXXX and was told that number could not help me. 

They directed me to XXXX, who stated that the first person was incorrect and that I needed to call back. 

I called XXXX again to be told that XXXX was the correct number. 

Following their guidance, I called XXXX again and was told that the real number I was looking for was XXXX. 

That agent told me that the reason I was unable to access my account was because multiple records were attached to my social security number and to call XXXX again, as they could help me. 

I called XXXX again, and was told that there was nothing they could do and that I should call XXXX again. 

I asked to speak with a supervisor, as I had already invested close to 2 hours on the phone. I was told I 'd be placed on hold for a moment. 

After 5 minutes I was disconnected.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I ca n't get a free report. I first have to pay XXXX for a credit watch. No where does trans union have a link to go to free credit report.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (FL)

Diversified responded to my XX/XX/XXXX complaint ( XXXX ) with a letter with half truths : DCI contacted me several times at the end of XXXX. I received a collection letter dated XX/XX/XXXX on XX/XX/XXXX. DCI contacted me via phone on XX/XX/XXXX and again on XXXX and on XX/XX/XXXX after I had asked them several times not to contact without the proper verification. I stated that I had not received an itemized statement and that I had only received a demand or collection notice. I sent via XXXX a debt validation letter on XX/XX/XXXX, a letter that was not received in Diversified 's office until after XXXX XXXX. on  XX/XX/XXXX, so how on earth could they have responded to my debt validation letter on XX/XX/XXXX if they had n't even received it? I provided to the CFPB the receipts and receipt of UPS letter on my initial complaint, I will submit them again for you to review. Additionally, DCI claims that I requested billing statements, which is false, I requested a detailed itemized invoice of the alleged debt owed and I have not received a detailed itemized statement of the account to date. Diversified failed to provide this within 30 days and I have proof. Diversified did n't respond to my XXXX/XXXX/XXXX and they completely omitted it from their statement. Why do you suppose that is? Because Diversified did not follow the proper protocol and still reported a debt that has not been validated which in a violation of my rights under the FCRA.
Consumer complaint received 2017-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Collection Connection (CA)

I am a victim of I D Theft This is NOT a request for verification or proof of my mailing address, but I respectfully request that your offices demand that the collection connection remove the account from my credit I do n't have any legal obligation to pay them.
Consumer complaint received 2018-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Still to this date this collection company on top of it its sleazy tactics has still failed to produce any proof that the debt mentioned And erroneously reported on my credit has anything to do with me and is not the result of ID theft. 

Despite its numerous calls to me and my numerous attempts to get them to answer that question they continue to affect my credit and my lifestyle with this derogatory reporting yet no one seems to listen to the law
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2024-01-29
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (MO)

I was charged {$1500.00} by the post office and there was a computer error and I couldnt get my money order or a refund. I disputed the charge with chime and gave them thorough proof from the post office that I am due a full refund of {$1500.00} I cant get any support through Chime
Consumer complaint received 2017-10-02
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: Rozlin Financial Group, Inc. (MI)

On XX/XX/XXXX 2017, Rozlin Financial Group L placed a fraudulent debt on my credit report. According to my credit report, this alleged debt is for {$66.00} and the original creditor is XXXX XXXX XXXX XXXX XXXX. I have only been to one physical therapist in my life, and I spoke with them about this matter after I found this on my report. They told me that they knew nothing about this, and that they had not submitted any debt to any collection agency. They further told me that ALL of my treatments were paid in full by my insurances since I have both medicare and medicaid. I do not, nor have I ever had an outstanding bill with this or any other physical therapy company. If the bill were owed, I would have paid it, but I will not be paying a fraudulent bill. Furthermore, I was not informed of this bill either before or after it showed up on my credit report. I was not contacted by telephone or by mail with any bill by any of the parties involved. I was not given any opportunity to resolve the issue before it showed up on my credit report. I am not certain whether this fraudulent debt was acquired from the original creditor, XXXX XXXX XXXX XXXX XXXX or if it was purchased from the original debt collector, XXXX XXXX XXXX. I do not however, appreciate that this is the second time this fraudulent debt was added to my credit report, adding a second collection for the same fraudulent debt to my credit report. I want this fraudulent debt removed from my credit report immediately. I have worked too hard to increase my credit score only to have false statements from these people wrongfully lower my credit score.
Consumer complaint received 2018-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2018 I submitted a review of an erroneous item on my credit report. A lien, that was withdrawn and XXXX note it was released/withdrawn but did no remove it from the report even thought the could not verify it and had evidence it was withdrawn.