davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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. (GA)

The Credit Bureaus are ignoring my requests and are taking too long to resolve this matter. I sent TransUnion two ( 2 ) Certified Letters, in which they receive on XX/XX/2022, requesting their Method of Verification on a previous investigation. Under Section 611 of the FCRA, I requested a Proper Reinvestigation of the Disputed Items, Under Section 609, I requested copies of all documents and correspondence ( including all names and contact information of all employees that the TransUnion Agent spoke to as part of this investigation ), that was used to verify these inaccurate accounts as being accurate, and Under Section 610, I provided all the proper Identification that is required, in order to get all information Under Section 609. The disputed items are listed in the CFPB Complaint ID XXXX that was filed on XX/XX/2022. 

I expected a response within 15 days of receipt of these Certified Letters, it has now been over 139 days and these inaccurate accounts are still on my credit report. If you ( TransUnion ) had investigated properly, rather than use your e-Oscar system, you would have known that these items should have been removed in my initial investigation. I requested that TransUnion provide this information or DELETE the inaccurate accounts from my file. TransUnion has not responded or complied with my requests and they are in Direct Violation of Sections 611 and 609 of the CFRA, they are in Violation of 15 USC 1681 s-2, Responsibilities as a Furnisher of Information, and they are in violation of my rights as a Consumer. I Demand that you ( TransUnion ) immediately DELETE the Inaccurate Items that I submitted for Reinvestigation, see CFPB Complaint ID XXXX. 

If these disputed items remain on my Credit File, or if you continue to ignore my requests, I will contact my Consumer Law Attorney and file a Civil Law Suit against your Company for Violation of my Consumer Rights, the Violations that have been committed under Sections 611 and 609 of the FCRA, as well as, the Violations under 15 USC 1681 s-2, Responsibilities as a Furnisher of Information Willfully and Recklessly reporting false, inaccurate information after being notified of the reporting error and failing to investigate or correct the error. I will be seeking {$1000.00} per violation, per occurrence. You have ten ( 10 ) days to comply
Consumer complaint received 2020-09-04
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. (TX)

I have two items on my credit the has been on my report that i have desputed several times that does not have my social attached i have verified and i am in college never had a appartment in my name i leave a home with my parents and the problem has not been fixed over and over i demand removal it is not mine account.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

American Express is restarting the reporting clock on an account in my name unlawfully. American Express canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against American Express and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that American Express has verified this information. I have plenty of documentation showing  that they are falsely reporting delinquency and charge off dates
Consumer complaint received 2016-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (KY)

Item is from a dispute with XXXX XXXX XXXX and was originally placed on my credit by XXXX XXXX in XXXX. It has now been placed on my credit by XXXX different credit collection agencies in the past 11 months. XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and by XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX. 

My husband passed away XXXX XXXX, XXXX. In order to keep my home I desperately need to refinance. I ca n't do that if these collection agencies continue to place this old item onto my credit as if it 's something new!!! PLEASE PLEASE PLEASE make them remove this nonsense from my credit report and STOP!
Consumer complaint received 2022-06-16
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX MA, Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.
Consumer complaint received 2022-06-16
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: SYNCHRONY FINANCIAL (NC)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (FL)

Back ih 2014 A bottled water company did not deliver water and I called and canceled their service. They kept billing me I set up all my accounts on auto pay. I called the company and they refunded to my credit card. One year later they started to bill me for the service I never received and for the money they returned.I called the credit collection company and noticed them of my dispute. Another year passed and yesterday the filled everything again with the credit bureaus. Calling the credit collection company again accomplished nothing
Consumer complaint received 2016-05-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Credit & Collection Corporation (MD)

Global credit is reporting on each of my credit reports that I owe XXXX XXXX Hospital {$940.00}. I have contacted the hospital 's accounts department @ ( XXXX ) XXXX and have confirmed that there is no past due account of mine that exists in their records.
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (CA)

On my credit report dated XXXX, from Equifax, they stated " validated '' for XXXX XXXX. As you can see, XXXX XXXX is reporting inaccurate information on all XXXX credit bureaus. How can they have verified anything when it's still showing inaccurate information. According to my rights, the CFPB and FCRA state I have the right to privacy and I have the right to accurate, verifiable information on my credit reports. XXXX XXXX and the 3 bureaus know what my rights are and they know their responsibilities when reporting and placing information on my credit report. I am having to do all this research in credit repair. I have been disputing this for months. Its a violation for sure.
Consumer complaint received 2017-02-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc (CA)

" Contract was cancelled '' ... '' NO CONTRACT '' The original creditor who was XXXX XXXX sold my debt to a collection agency which is The Best Service Co.Inc and they also wrote off my debt on their taxes. This wrote off my obligation to pay. The contract I had with them was cancelled, I no longer have a contract with them and the debt is being reported to all three credit bureaus by the collection agency that they sold it to. The results to have them remove this collection debt off all three credit bureaus.
Consumer complaint received 2020-07-06
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. (MD)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$4500.00} XXXX XXXX {$20000.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  XXXX {$260.00} XXXX XXXX   XXXX {$300.00} XXXX  XXXX {$620.00} XXXX XXXX {$1200.00} XXXX  XXXX {$490.00} XXXX/XXXX   XXXX {$400.00} XXXX  XXXX {$300.00}
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A. (TX)

I have tried several times to get Citibank to correct the errors in how they are reporting my mortgage. This loan was forgiven XX/XX/XXXX when the house was short sold. Yet they keep reporting several delq. as recent as XX/XX/XXXX. I am attaching the XXXX showing forgiveness of the loan XX/XX/XXXX and a copy of my credit report showing how it is reporting to my credit bureaus. They are destroying my credit and after disputing directly with them and the credit bureaus I have gotten no where. Please, please step in and make them remove this item all together from my credit report. Fixing it now is n't acceptable as they have reported it wrong for years and they should error in my favor as they have cost me thousands of dollars in extra interest fees by dropping my credit scores by XXXX points.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (OH)

The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a Pell Overpayment from XXXX XXXX, and it was closed XX/XX/2017. However, upon speaking with XXXX XXXX  's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. Additionally, XXXX XXXX was contacted and provided proof that there is a {$0.00} balance.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (OH)

The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a Pell Overpayment from XXXX XXXX, and it was closed XX/XX/2017. However, upon speaking with XXXX XXXX  's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. Additionally, XXXX XXXX was contacted and provided proof that there is a {$0.00} balance.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (CA)

As of XX/XX/2024, TRuist reported my credit card 60 days past due. I paid the amount owed back in XXXX leaving the account with a XXXX balance. i paid it with my debit card and my bank statements can prove the transaction was successful. Additionally, TRuist has the account as paid with a XXXX balance in their system when i contacted them. They said the collection department reported the wrong balance in error. I have an internal dispute filled within Truist to clear up the 30 days late. Now they reported my account 60 days late for a balance of XXXX that I paid on XX/XX/XXXX ( XXXX dollars ) and XX/XX/2024 ( XXXX ). This account has never been late. This needs to be corrected asap. 60 days late is killing me. see proof attached. Thank you.
Consumer complaint received 2022-06-16
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: National Commercial Services, Inc (TX)

National Commercial Services Inc at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX is a collection agency reporting for XXXX XXXX originally contacted me on an unpaid insurance balance of {$7200.00} as of XX/XX/2020 with a payment agreement of XXXX XXXX  monthly. After paying monthly as agreed the balance kept accruing interest and is now reporting to the credit bureau in the amount of {$8300.00} from the collection agency. The payments that I have made were not properly applied to the unpaid balance and the balance is now increased on a charged off account.
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (MS)

Equifax is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX when in fact the date of last activity should have been XXXX as this is the date a last payment was made. Equifax and XXXX has had months to correct update this information yet they never did.. I have attached all letters sent to them within the last five months. 

Under 605c running of the period under the consumer protection afforded by the FCRA, consumers can fine the credit bureaus for violation of this right. For credit bureaus, creditors or collection agencies if they try and re-age your account by updating the date of last activity on your credit report in hopes of keeping on your file longer.
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MO)

I was notified by FICO that a collection was added to my credit report. I checked the notification, and the collection agency said on my credit report that I owe {$190.00}. Called them out about the debt, they said I owed XXXX XXXX XXXX {$190.00}. And they wanted me to pay the debt. I paid the debt on my credit card. Afterwards, I called XXXX XXXX XXXX they were UNABLE to find the debt that Sunrise Credit Service said that I owed XXXX XXXX XXXX I was told by XXXX XXXX XXXX that I have XXXX balance with them. This company has dropped my credit score almost 50 points. Don't give this company any money. This is scamming people taking their hard earned money, and destroying consumers credit. This company had all my personal information. This company is a SCAM!
Consumer complaint received 2024-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

I am writing to address the recent communication regarding the collection of a debt that has previously been reported as identity theft and subsequently deleted. It has come to my attention that you have sent a letter threatening to garnish my payments. 

I must assert that this debt is not valid, as it was determined to be a result of identity theft and has been deleted from my records accordingly on XX/XX/2022. Any attempt to collect on this debt is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and my rights as a consumer under the law. 

Furthermore, under 2C:21-17a of New Jersey state law , it is illegal to knowingly attempt to collect a debt that was incurred as a result of identity theft. This statute provides clear legal protection for consumers in situations such as mine.

I demand that you comply with the FDCPA, the Fair Credit Reporting Act ( FCRA ), and New Jersey state law by ceasing all collection activities related to this debt and confirming its deletion from your records within [ specify a reasonable timeframe, e.g., 10 business days ] of receipt of this email.

Failure to comply with these laws, including 2C:21-17a, will result in legal action being taken against your agency. Any further communication or action from your agency regarding this debt will be scrutinized for compliance with these laws.

Please acknowledge receipt of this email and confirm your compliance with my demands within the specified timeframe.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Southwest Credit Systems, L.P. (FL)

I was trying to buy a new car I am a single mom and need transportaion I notice that my report has some damages according to the 15 u.s.c 1681 law there shouldn't be any damages on your report its a defamation to my character
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

For the past two months I have tried to use my XXXX XXXX Visa card. All transactions I tried to complete were declined. Today, I received a notice via XXXX XXXX that my XXXX XXXX card was closed. I called the number on the back of my card and it said " Your account has been closed '' and hung up on me. I called into a back door number to inquire and was told they couldnt discuss it with me, couldnt be appealed, and no one could change the decision if I wanted the card again I had to reapply. 

I have never been late, never over the limit. In fact every three months since I got the card I have received an increase and my I just received an offer last month for a special purchase rate promotion. The card has not gone inactive either.
Consumer complaint received 2022-06-16
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 — Was not notified of investigation status or results
Company: PNC Bank N.A. (TX)

I have received an email on XX/XX/2022 from XXXX XXXX ( Executive Client Relation ) at PNC ( after I file a complaint with CFPB and FTC ) stating that I will send a written response via CFPB. Also, you will be getting a fraud packet in the mail to complete with the requested information. I completed the Fraud Packet and send it back but still I haven't heard anything from them. Now the fraudulent account ( Act # XXXX ) I disputed showing as a charged off account on XXXX with balance of {$15000.00}, on XXXX with balance of {$15000.00} and on XXXX with balance of {$15000.00}. 
My Initial report numbers with CFPB and FTC are listed below. 

CFPB Complaint # XXXX FTC Report # XXXX Please help me resolve this issue and have PNC to remove this account from all three major credit XXXX XXXX, XXXX and XXXX.