davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following information is being reported by XXXX XXXX, XXXX, XXXX, and Transunion. 
As of XX/XX/XXXX, there has been no activity. Despite being charged off, this company continues to make bad faith and erroneous reporting of this account to lower my credit score every month. Latest reporting XX/XX/XXXX. In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act because of the hardship resulting from it. 

I am looking for an immediate remedy and sanctions against this company and XXXX XXXX XXXX XXXX XXXX for violation of The Fair Credit Reporting Act XXXX. 

Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$420.00} No. of Months ( terms ) : 0 0 0 High Credit : {$470.00} {$0.00} {$470.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$420.00} {$420.00} {$420.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-06-24
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc (KS)

On XXXX XXXX at XXXX XXXX  ct I received a phone call from XXXX. A female representative from Medi Credit Inc. I was informed of this call from named of above dept collection company that it was attempt to collect a dept and was being recorded. She asked my name and I acknowledged yes. At this point without verifying who I was with assuming that I was that person and proceeded. She started giving personal information out and about the dept. I stopped her and informed her she was in. Violation of the confidentiality act laws without verifying who I really was. I asked for supervisor and she was denying me that right. I informed her this call is being ended. I called back talked with supervisor to give complaint. Supervisor stated she would handle it but I felt that the supovisor was not going to handle the representative in her violating the confidentiality act laws.
Consumer complaint received 2017-08-22
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc. (NJ)

All my student loans are with NELNET. I was never offered an income driven plan, even though I asked about it several times. Instead I was put into forbearance for years and incurred interest costs in the amount of {$35000.00}. The only other option that I was offered was to pay over {$2000.00} a month, and for sometime I had no job or I was making very little. They threatened me with ruining my credit or garnishing my paychecks.
Consumer complaint received 2019-10-25
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. (NY)

Ive been trying to get to the bottom of some accounts that are reporting on my credit. According to the consumer laws designed to protect against noncompliant reportings, there should not be account listed on my credit that are inaccurate, incomplete, unverifiable. In this case I have spent money corresponding with the bureaus with no avail. I feel like they are taking my issue lightly. I have called an attorneys office that I found online and they guided me to your CFPB website as the next step. I have highlighted the inconsistencies on my credit reports.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have 3 student loans that are closed on my report but it is reflecting late payments from XX/XX/XXXX and XXXX 2017 these accounts was never late this year, it is inaccurate.I have contacted all credit agencies and the information is still reflecting inaccurate information. The information can not be verified because it is not accurate but they are still reporting as such.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MN)

After reviewing my annual credit report I noticed that you have violated the FDCPA as well as FRCA the required noticed of dispute is missing this information has to be enter within 30 days of a completed investigation or it has to be deleted from the consumer credit file XXXX  and Experian when XXXX  XXXX XXXX remove this violation please send me a updated copy of a credit report
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (SC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Re : Old Debt Item Dear Sir or Madam : I am writing to request the information that your company provided to national credit reporting agencies be removed from my credit report. According to the XXXX credit bureau, this account was charged off on XX/XX/XXXX in the amount of {$3500.00}. The initial delinquency dates back several years ago during my XXXX studies. This account became delinquent because of financial hardship that I experienced in the past. In the years past, I have begun to rebuild my credit and established a good payment history with my current creditors. As a show of goodwill, I kindly request that Chase remove this item from my credit history. Please contact the national credit reporting companies to which you provided this information and have these agencies delete the stated collections item, as soon as possible. Thank you for your time.
Consumer complaint received 2022-09-08
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: URS Holding, LLC (GA)

there was 2 accounts opened through XXXX dated on XX/XX/XXXX in the amount of {$97000.00} and XX/XX/XXXX in the amount of {$50000.00} these accounts are now charged off and these accounts was opened with out my consent or authorization because I was incarcerated from XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX/XXXX/XXXX, I requested a free quote from XXXX for a personal loan. I provided my information. I was notified by TransUnion that XXXX had requested my credit report without my knowledge. I called into XXXX Customer Service and informed them to disregard my pending application and to remove the inquiry on my credit report since I did not approve this request. I was informed a soft check would be done before I accepted any offer, then a hard check would be done. I received a letter from XXXX calling me XXXX XXXX and that I accepted a hard check and submitted an application. I am not XXXX XXXX. XXXX has incorrectly pulled my credit file with another name from the information they received. Remove this inquiry from my credit report since I did not authorize this hard check. XXXX has failed to correct this error. This is a violation under the Fair Credit Reporting Act.
Consumer complaint received 2017-10-23
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. (NY)

I have 3 student loans that are closed on my report but it is reflecting late payments from XXXX and XXXX XXXX these accounts was never late this year, it is inaccurate.I have contacted all credit agencies and the information is still reflecting inaccurate information. The information can not be verified because it is not accurate but they are still reporting as such.
Consumer complaint received 2021-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

To XXXX XXXX XXXX at compliance of Sequium Assets Solutions your sorry and explanation do not help me. I have never done business with you. I do not owe Sequium Assets Soution any money and I do not owe XXXX XXXX XXXX any money. Your sorry for the inconvenience just results in : XXXX  : dropped 19 points XXXX  dropped 44 points XXXX  dropped 12 points So while you are giving time for me to review you need to REMOVE this from all three credit agencies. You have violated my rights and have never contacted me to verify if I owed a debt instead you just placed this on all three credit bureaus without verification. REMOVE IT IMMEDIATELY!!!! 

You are a despicable company that has no morals and is just out to ruin others. No contact, no verification yet you placed this on all three credit bureaus and then have the nerve to say sorry for the inconvenience, You are truly disgraceful
Consumer complaint received 2017-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I pulled a copy of my credit report and some company was reporting a bill for XXXX XXXX XXXX XXXX. I did dispute with them and they took it off my credit report because it 's not mine. Then this XXXX XXXX XXXX company is reporting it and it 's reporting it as something new. This is n't mine and I do n't owe this. Please help me I do n't know what else I can do.
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (PA)

We 've been a customer of citibank since XXXX and accepted an offer for 0 % interest card. They approved the application but required we complete a form to request the Social Security Administration to send them a copy of a social security card. We refused and they would not accept a request from an authorized user on the account to close the account.
Consumer complaint received 2017-07-01
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. (NJ)

XXXX  did not give me results online as indicated it would.   Then it said I had gotten my results for the free reports, which I have n't. Then it said see you next year.   The contact form just accepts a comment, does n't take your phone number or email address for resolution.
Consumer complaint received 2017-07-01
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: Experian Information Solutions Inc. (NJ)

XXXX  did not give me results online as indicated it would.   Then it said I had gotten my results for the free reports, which I have n't. Then it said see you next year.   The contact form just accepts a comment, does n't take your phone number or email address for resolution.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Protection Association, L.P. (FL)

I keep receiving automated calls from an agency called Credit Protection Association ( so far two that I can tell on XX/XX/XXXX around XXXX XXXX and XXXX XXXX, there might be more calls ). I do n't answer the calls and then they leave a voice message saying that they are this agency, the say my full name and state that I have a debt they want to collect, which I do n't know about but I assume it could be from a recent already paid amount I owed to XXXX XXXX XXXX, paid directly to the cable company on XX/XX/XXXX. I am not sure this is the case. It could be some false debt they are trying to collect. Never paid them a cent and never heard from them before.
Consumer complaint received 2017-07-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (TX)

XXXX  has posted an account from Wells Fargo stating I have a charge off for a auto loan. This information is not correct, nor did I have a balance when vehicle was returned to the purchasing dealer by another dealer.   I was not contacted by the bank at anytime that my vehicle was being taken bank by the dealership purchased at nor did the dealership contact me. Also if the dealer took vehicle back dealer should have paid off complete balance prior to receiving title back from bank.   how did dealership get title without paying off loan? When was customer offer a chance to pay any balance prior to truck being returned? Loan listed below.         WELLS FARG O DLR SVC {$3 300.00} Charged off account Fixed rate
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

In XXXX of 2022 I discovered incorrect information being reported on my credit report. I sent letters that were received on XX/XX/2022 about incorrect information on my credit report. As of XX/XX/2022 the incorrect information is still on my credit report. I am requesting that the incorrect information be removed from my credit report.
Consumer complaint received 2017-07-01
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. (TX)

Equifax has posted an account from  XXXX   XXXX  stating I have a charge off for a auto loan. This information is not correct, nor did I have a balance when vehicle was returned to the purchasing dealer by another dealer.   I was not contacted by the bank at anytime that my vehicle was being taken bank by the dealership purchased at nor did the dealership contact me. Also if the dealer took vehicle back dealer should have paid off complete balance prior to receiving title back from bank.   how did dealership get title without paying off loan? When was customer offer a chance to pay any balance prior to truck being returned? Loan listed below.   XXXX   XXXX   XXXX   XXXX   XXXX  {$3300.00} Charged off account Fixed rate
Consumer complaint received 2017-07-01
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)

I 've been trying to fix multiple errors on my reports, to no avail.my proof of the error carries less weight than the creditors word. XXXX XXXX XXXX XXXX XXXX ca, XXXX, is the collection agency that is insisting they are correct, when they 're not. My business XXXX XXXX is a XXXX # XXXX corporation number. We wrote a check to by advertisor, just before I had a XXXX XXXX and was forced to close my business. I should have been protected under my corporation. They will not show me a copy of the check, so I can prove my point.the 3 credit reporting agencies, do n't want to here the truth, or fix it.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

This communication serves as a follow-up to my previous complaint, as there are still lingering inquiries present on my credit reports requiring attention. I am resubmitting my FTC report # XXXX for your reference. The remaining inquiries to be removed from my credit reports are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX
Consumer complaint received 2019-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NV)

I closed my checking account. I never received any notice of any problems until I received a letter from a collection company asking for XXXX dollars. 
The only check written on this account in the last three years was the one to close it. How are they coming up with this number?
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

My chase account was billed for purchases I did not make on complaining they did not resolve them and still having to pay the amount for these purchases. There are still on my credit card statement
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Student Aid (USA) Funds (NC)

USA Funds/XXXX continuously report delinquent payments that fluctuates month after month from 90 to 120 to 190 back to 120 days when the account is paid/closed. Before the account was closed, during the time of the late payment dates, I was approved for loan rehabilitation and was making monthly payments on time. These inaccurate late payments are drastically affecting my credit score. I have reached out to USA Funds on different occasions about these inaccuracies and was informed that these late payment statuses could not be changed. I 've also disputed these inaccurate late payments with all 3 credit bureaus and received 'account verified ' after an investigation.
Consumer complaint received 2022-09-09
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. (NC)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; CHILD SUPPORT ENF AG/N XXXX Balance XXXX {$4900.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: The CMI Group, Inc. (WA)

On XXXX XXXX/2017 had credit report ran to refinance mortgage loan and was told, on my credit report showing a balance of {$90.00} sent to credit Management LP for collection. I called credit management to find out the source of the credit and was told XXXX or XXXX XXXX, and my option is to pay and resolve the situation. I do not owe to XXXX or XXXX XXXX. I am not aware of any transaction or signed contract with the company showing on my credit report.
Consumer complaint received 2017-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc. (OH)

XXXX XXXX XXXX. XXXX XXXX. The number was Unknown name XXXX. The person who called was XXXX XXXX. He was looking for a family member that does not live here. I told them the person does not live here at this number. I asked him to remove this number. He continued to harass me asking me questions. I told him I was being harassed, and he needed to remember that he was on a recorded line. I was place on hold and someone else came on the line an XXXX XXXX. I asked for their information she told me they were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MInnesota. She apologize and agreed that XXXX XXXX should have apologized and hung up.
Consumer complaint received 2017-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (CA)

Received a letter from Sequoia Financial Services ( based in XXXX XXXX, CA ) a few months ago that my wife owed a debt of {$1500.00} to " XXXX XXXX XXXX '' that they were trying to collect. My wife and I have never been to that city, and are both on top of our debts. I ignored the letter. 
Received another letter ( dated XXXX/XXXX/XXXX ) that they were adding interest and would ding our credit score if we did not pay. I looked up Sequoia Financial on XXXX and all the reviews said this company is a scam. I checked both of our credit reports, and both are fine, no missed payments. I ignored the letter. 
Have now received two phone calls from this company, asking for my wife to contact them. We have not returned the phone calls.
Consumer complaint received 2017-08-22
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Hello I have requestion for validation of this debt through XXXX and capital one. By law they should have my original contract on file. But they dont have no documentation. By law if the dont this. They are suppose to delete these accounts off my credit report. These letters that are attached are not my original documentation. Doesnt show apr. I will like these accounts deleted before I report yall and have my lawyer take yall to court. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.