davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

I have filed a dispute regarding two old tax liens but was told information is accurate. They have been removed by XXXX and XXXX but TransUnion is still showing them. One from tax year XXXX ( showing as reported in XXXX ) the other is from tax year XXXX ( showing reported in XXXX ). Both have been paid. <P/>According to NYS law - N.Y. GBS. LAW 380-j : NY Code - Section 380-J : Prohibited information ( f ) ( 1 ) Except as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information. ( i ) bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than fourteen years ; ( ii ) judgements which, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period ; or judgments which, from date of entry, having been satisfied within a five year period from such entry date, shall be removed from the report five years after such entry date ; Therefore - both of these are satisfied as paid within 5 years and entry date more than 5 years prior. I believe these should both be removed from the remaining credit report.
Consumer complaint received 2017-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (IA)

I was a customer of XXXX and when I canceled I completed my agreement by returning all equipment to XXXX as agreed. I have now found that I have a small collection account on my credit report that the folks at AFNI have not been able to provide me with debt verification on. I have spoken to them, they are cordial but unwilling to verify and allow me to correct by paying and removing the collection or simply removing the account as it is not verified.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, Im a Bank Of America costumer and Im trying to use XXXX  to have an Instant Verification to confirm my bank account since Im going to start doing trade currency and my broker is XXXX and and XXXX  is telling me my bank blocked me from doing the XXXX  Confirmation.
Consumer complaint received 2018-06-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc. (TX)

Called my cell phone asking for my husband. I told them I was his wife, the representative said she could speak to me about the matter. The representative asked me to verify my husbands date of birth, but when I told her she could give it to me and Id verify it, she said she wasnt able to do that and said she wasnt able to speak to me about the matter. My husband doesnt have anything in collections.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/1983 please be advised that a copy of this letter has also been sent via certified mail. 

the XXXX, XXXXn and experian credit reporting agency have all been dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, after receiving my credit report it was confirmed that the company lexis nexus was the supplier of this invalid account being reported, so I called them to request that I have this validated and they stated that they have not validated this debt with XXXX, experian or XXXX, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. 

I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). 

please provide me with the courthouse name, address, phone number of who verified this debt
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

Lowes Credit Card aka Synchrony Bank has been holding my refund money for 3 months without resolve. I was supposed to receive a refund check in the mail but I never got a check. The amount was in the thousands. I had to call more than 5 times each 30-50 min a piece. Each time they promised the check will be sent. They are scam artists and will steal your money and not do anything about it.
Consumer complaint received 2021-03-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ON XXXX, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. THIS IS MY SECOND TIME SENDING THEM MY DISPUTE LETTER HOWEVER, I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CA)

For the last 18 months I have been getting these collection companies trying to collect a bogus debt that they say I owed to XXXX XXXX which I currently have an account with. If i owed XXXX XXXX anything they have my personal info and would have contacted me. When I moved and set up my new services at my new address there was nothing owed on this account, I will not pay for something I do not owe no matter the amount or the discount that they offer to clear this up. I have called and told the collection agency and they say ok then they sell the debt to another. Now I see they have dinged my credit report with a collection, this behavior is illegal and these companies should not be aloud to act in this manner. I want my credit report cleared and the companies Receivables Performance Management XXXX 1st one to send me notice that I called and told them this was bogus then the bogus debt was bought or transferred to XXXX XXXX I am holding them responsible and want them prosecuted
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

Based on. 
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer XXXX the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer XXXX agency WRITTEN CONSENT to report anything on my consumer report which viol rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-06-13
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: Peoples Home Equity, Inc. (TX)

Date : XX/XX/2018 Peoples Home Equity ( XXXX, TX office - phone ( XXXX ) XXXX ) ran my credit without my authorization. 
I noticed credit inquiries on my report from all 3 bureaus. I never provided my social to Peoples Home Equity, and I mentioned multiple times on the phone that I don't want them to run my credit as I was just looking to talk to them about the loan options. I clearly told them I only want some information since I am just looking into the housing market without anything finalized, and that's why I don't want them to pull my credit. 

In spite of this, I noticed unauthorized credit inquiry on my report. Peoples Home Equity asked some other company ( XXXX XXXX XXXX XXXX XXXX. Phone : ( XXXX ) XXXX ) to pull my credit. This third-party in turn reached out to 'XXXX XXXX XXXX ' and I was told by them that Peoples Home Equity would need to let XXXX XXXX know that it was an unauthorized inquiry so that XXXX XXXX can send that information to all 3 bureaus so it can be removed from my report.

I emailed Peoples Home Equity yesterday but haven't heard back yet.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have requested as recently as XX/XX/2020 that Experian investigate the accuracy of of reported accounts from XXXX XXXX XXXX. Experian says they do not have to investigate despite multiple requests including but not limited to a request from XX/XX/2020. XXXX XXXX XXXX has reported inaccurate records that are in direct violation of FDCPA and Texas statute SB 1264.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I attended XXXX college from the summer of XXXX through the winter of XXXX to receive an associates degree. I took out a subsidized loan for XXXX and an unsubsidized loan for XXXX on XX/XX/XXXXDusing the winter quarter. I have the copies of my paperwork and have paid off the XXXX loan. I keep good records and have no problem paying off what I actually owe. However, over the years I have made payments on loans that end up not being mine and the money has been wasted. It has been reported on all three credit agencies that I have several other college loans outstanding. I am currently paying off a XXXX loan and am one month from it being considered current - even though I have no record of taking out that loan.
I have written all three credit agencies, sent certified letters to XXXX XXXX and the dept. of education on two separate occasions over the last three years, all to no avail. Even though I ask that the debts be proven to be mine or taken off my reports, nothing happens at all. I am dillegently trying to get my credit record taken care of so that I can some day buy a house.
I am reasonably sure that I have figured out what the problem is : on XX/XX/XXXX I signed Voluntary Hardship Forbearance papers ( I have the paperwork for this action ) for the loans I had taken out on XX/XX/XXXXand this date corresponds with some of the outstanding loans. It has been reported that I " took out additional loans '' when in fact, I extended the time period before I needed to start paying my loans off.
I went to XXXX College and got a copy of my transcripts, I was not in school in XXXX so no student loans could have been extended to me at that time. These dates ca n't be a loan taken out by me. I would like help getting all student loans off my records, except what is actually owed by me.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorization for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever aconsumer reporting agencyprepares a consumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am asking for a re-investigation of the following personal information, unauthorized inquiries, and inaccurate accounts : The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Employers : XXXXXXXX XXXX 5. The following personal information is incorrect Employers : XXXX XXXX  PLEASE DELETE THE INACCURATE PERSONAL INFORMATION ABOVE FROM MY CREDIT REPORT. I only give permissible purpose for the following accurate and correct personal information to be furnished : Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Of Birth : XX/XX/XXXX Social Security Number : XXXX Employment : I do not wish to have this reported. N/A Please delete any other personal identifiers as they are inaccurate. The Fair Credit Reporting Act states my credit report must be 100 % accurate when furnished. I have included documents that verify my identity with this letter. 

Thank you for your due-diligence in having this corrected as soon as possible. 

With Kind Regard, XXXX XXXX
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I requested an additional card on my XXXX XXXX Platinum Card & received a notice that the card could not be processed. 

I picked up the phone to call them at XXXX. While waiting for someone to pick up the phone, At XXXX I received an email from Experian stating my credit report was pulled by XXXX. 

I then contacted XXXX who informed me that because of the fraud alert my credit had to be pulled. 

Problem is, I did not apply for a NEW LINE OF CREDIT. I requested an additional card on an EXISTING ACCOUNT. 

They also did not call to verify that it was okay to pull my credit or I would have informed them NO.
Consumer complaint received 2018-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: COAST PROFESSIONAL INC (AR)

Loans were handled through a loan forgiveness program and payments were being made to XXXX XXXX to finance the program. XXXX XXXX stopped using my debit card and switched to a check after over a year of payment. ( Debit card would simply reject  payment if funds were not available and they would re-run in a few days if this occurred. Checks cost {$30.00} at my bank and {$45.00} through them for every time one did not clear. ) this was set up on auto draft and sometimes would miss my pay date by 2 or 3 days. After I discovered this I relized they not only tried once but an average of 3 times before anybody ever contacted me about issues dates started to fluctuate and I was being charged up to XXXX by my bank and XXXX by the company for my {$45.00} payment that did not even apply to my student loans!! 

I finally told them I could not pay them anymore and tried to change my student loan provider only to be told I was not able to until the old one approved the change. I tried with XXXX XXXX several times to no avail. 

Now with in the last couple of month ( 2 ) I started receiving a weird phone call asking for me to verify my date of birth and last 4 of my social along with my address. I asked who was calling and all they would tell me was it was a personal business matter. Would not disclose any more than XXXX XXXX. I have never heard of this company before and did not feel comfortable giving that information with out more information from the company. They refused. Then begin calling my cell phone 3 to 4 times per day and calling my work at least 2 to 3 times per week ( Even after I informed them I Was not allowed to receive personal phone calls at work. 

I was told they would send something in the mail regarding what the call was about and nothing came until Monday ( XX/XX/XXXX ). a notice of garnishment of wages. stating that I would be able to dispute the notice. When I returned to work after lunch where I do Payroll.. There was an order to garnish my own wages from this company. 

When I XXXX in XX/XX/XXXX my loan totals were somewhere around 20,000. 3 years ago when I entered into an agreement to help with my loans they were around 45,000. today the notice on my desk at work says I own more than 67,000 I have tried making payments, I tried loan forgiveness program. Now Starting XX/XX/XXXX I will have to choose between feeding my kids or paying my electric bill because this company wants to take 15 % of my income. I barely make enough to keep food on the table as it is! My XXXX XXXX from a local University where literally everybody gets accepted is not worth XXXX It has not benefited me enough to deal with all of this!
Consumer complaint received 2024-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KLS Financial Services, Inc (TN)

In XX/XX/XXXX I was contacted by KLS Financial Services by letter regarding a debt they claimed I owed to XXXXXXXX XXXX. During my last visit to XXXX XXXX  I paid my account in full. I requested a full accounting of my transactions with this account and documentation they were the legal debt owner. I have received none of the requested information. 
I received another letter from KLS Financial Services dated XX/XX/XXXX stating I must call or write to dispute the debt by XX/XX/XXXX. I called on XX/XX/XXXX to dispute this letter. I requested proof that KLS Financial Services owns this debt. I also requested documentation regarding the specifics of this debt. I was rudely interrupted multiple times when I brought up the clear violation of the fair credit reporting act and that the law must strictly be followed. I was put on hold for an extended period of time. 

I called back again and spoke with XXXX. She is supposed to send documentation, but I have yet to receive anything from this company.
Consumer complaint received 2023-01-20
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. (GA)

They are reporting false information. It says I was late 90 days but on the report it says I was on time In XXXX and in XXXX but I was late in XXXX and in XXXX
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I attended XXXX college from the summer of XXXX through the winter of XXXX to receive an associates degree. I took out a subsidized loan for XXXX and an unsubsidized loan for XXXX on XX/XX/XXXX Dusing the winter quarter. I have the copies of my paperwork and have paid off the XXXX loan. I keep good records and have no problem paying off what I actually owe. However, over the years I have made payments on loans that end up not being mine and the money has been wasted. It has been reported on all three  credit agencies that I have several other college loans outstanding. I am currently paying off a XXXX loan and am one month from it being considered current - even though I have no record of taking out that loan.
I have written all three credit agencies, sent certified letters to XXXX XXXX and the dept. of education on two separate occasions over the last three years, all to no avail. Even though I ask that the debts be proven to be mine or taken off my reports, nothing happens at all. I am dillegently trying to get my credit record taken care of so that I can some day buy a house.
I am reasonably sure that I have figured out what the problem is : on XX/XX/XXXXI signed Voluntary Hardship Forbearance papers ( I have the paperwork for this action ) for the loans I had taken out on XX/XX/XXXX and this date corresponds with some of the outstanding loans. It has been reported that I " took out additional loans '' when in fact, I extended the time period before I needed to start paying my loans off.
I went to XXXX College and got a copy of my transcripts, I was not in school in XXXX so no student loans could have been extended to me at that time. These dates ca n't be a loan taken out by me. I would like help getting all student loans off my records, except what is actually owed by me.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

SO MANY TIMES I CALL EXPIRIAN TO DELETED ADDRESS IS NOT BELONGS TO ME THEY REFUESED I SAID THAT I HAVE TO DISPUITE DIRECT WITH THE SOURSES. WHEN I ASK THE SOURSE THEY REFUUSED TO TELD ME WITH CREDITOR REPORT THAT ADDRES THE ADRESS IS NOT BELONGS TO ME AND IT HAS TO BE DELETED IS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I NEVER BE ASOCIATED WITH THAT ADRESS
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/2019 I check my credit report and notice someone had stolen my Identity and open credit card accounts and cars in my name. I filed a police report and a FTC report. I am just would like to get my name back and have the credit reporting companies to please delete the items form my credit report. 

Thank you