davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TransUnion has violated my federally protected consumer rights. I have NOT and DO NOT give TransUnion written permission to publish any reference to my social security number, redacted or not, nor my phone number ( s ), nor duplicate references to my name OTHER THAN ONE reference to my full legal first, middle, and last name, nor my past addresses, nor my employer information. TransUnion is in violation of reporting non-conviction related adverse items on my consumer file to include late payments, a collection account, and charge-offs. TransUnion is also reporting three fraudulent/inaccurate credit inquiries on my consumer file. Please see my attached consumer file.

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

Pursuant to 15 U.S.C. 1681 consumer reporting agencies such as TransUnion have assumed their roles and must be held responsible for accurate and fair reporting.

Pursuant to 15 U.S.C 1681c section ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Pursuant to U.S.C. 1666b a Creditor MAY NOT treat a payment on a credit card account under an open-end consumer plan as late for any reason.
Consumer complaint received 2022-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commercial Acceptance Company (NJ)

Commercial Acceptance Company, XXXX Latest communication is a letter dated XX/XX/XXXX. This company has repeatedly called me and now have sent a letter demanding I pay a medical bill that has already been paid for by my medical insurance company. I repeatedly stated to this company that the company that hired them, XXXX XXXX XXXX XXXX, has received payment as of XX/XX/XXXX for an ambulance ride on XX/XX/XXXX, which they were charging to the wrong insurance company. I communicated with them, the ambulance company and my insurance company and it was the error of the ambulance company. However, this debt collector continues to call me. I am XXXX, with several debilitating conditions and receiving these communications has significantly increased my XXXX and affected my health negatively. I last received a phone call around the beginning of XX/XX/XXXX to which I contacted again my insurance company and they noted the bill from the ambulance company had been paid in full. I received a letter today, XX/XX/XXXX again stating I owe this debt that has already been paid.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX PA XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it may concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) 1XXXX following personal information is inaccurate ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX Please ( remove / update ) this account from my credit report Please ( remove / update ) this account from my credit report By the provision s of the Fair Credit Reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter.

Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice of corrections to anyone who received my credit report in the past six months. 
Thank You for your time and help in this matter, Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-19
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy have violated my rights.

15U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-13
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (VA)

I purchased cellphones and a cellphone plan with XXXX XXXX XXXX XXXX in our agreement i paid for unlimited service and the cell phones in installments all on XXXX plan XXXX payment per month. in the beginning of XXXX i attempted to pay my cell phone plan. instead of paying my service plan XXXX paid the cell phones off and disconnected my service. i assumed this was a mistake do to there automated system. i called and wanted them to fix the problem i explained that i did not authorize such payment. the payment i sent was to be applied to the service plan as agreed upon in contract and they would not fix this problem. 

I am a XXXX  and the phone number tied to this account has all of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i tried to just get the phone number and they would not agree to release the phone number to me. The phone that i purchased from them that is paid in full is still locked to this day so i had to purchase another one as well as service with another provider. Now as of XXXX they have furnished a XXXX collection account on my credit through convergent outsourcing without notifying me of such debt. i explained to them that i had no knowledge of debt. i don't understand where they get that amount from. i have attempted to get my payment records and original contract from them for proof and they are giving me the run around. 

I have reached out to both XXXX ( XXXX ) and convergent outsourcing to clear this up and remove it from my credit. XXXX ( XXXX ) has all of this in there notes as well as on recorded lines and through there mobile app. 

I have been dealing with these issues for over six months. My credit is damaged because of this. This has cost me money. they are causing stress in my life. this is interfering with my constitutional right of " life liberty and the pursuit of happiness ''. 

In accordance with the Fair Credit Reporting act XXXX  ( XXXX ) has violated my rights, 15 USC 1692g validation of debt, 15 USC 1692h they made a unauthorized payment not in accordance with my direction. 

Convergent Outsourcing XXXX, 15 USC 1692g validation of debt
Consumer complaint received 2022-08-13
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I contacted XXXX by phone and spoke with an agent. I informed them that I have a revolving credit line ( credit card ) with XXXX since XXXX that does not get reported on my credit report. I have already spoken to XXXX on many occasions regarding this and XXXX has assured me that they report to the credit bureau every month. The agent at XXXX told me that they do see the account in question however due to a balance dispute in XXXX, they have removed my account from the credit report. I asked XXXX that I would like my account to appear on my credit report because I have had it for 8 yrs, and the credit line is {$33000.00}, which both aspects would improve my credit score. XXXX told me there is no way to bring the account back on my credit report. I believe this is incorrect and does not follow the FCRA as my credit report is incomplete and inaccurate. The debtor is reporting every month, I am requesting the account to be reported, but XXXX is stating it can not. 

I contacted XXXX and XXXX has stated they will start reporting my account. When I contract Equifax ( also spoke to them on the phone today XX/XX/XXXX ), they inform me they do not see the account at all. XXXX has confirmed for me that they do report monthly to all 3 credit bureaus. So my dispute is with XXXX and with Equifax.
Consumer complaint received 2022-08-13
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. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

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's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00}
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANCO POPULAR DE PUERTO RICO (NC)

On XXXX  company responded. They did not address how/who/why the account was locked. 
They also said they needed a document of which we furnished them a copy ( email ) for the 3rd time. 
Since XX/XX/XXXX we have made NUMEROUS attempts to contact the person we were directed to contact. She was NEVER available and they would not address the status of release of funds. 
As of now it appears they have blocked our phones or simply will not accept our calls.. 
This situation has been ingot for 18 months with NO response.
Consumer complaint received 2023-05-11
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: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC. (MO)

I had a 2018 XXXX latitude for less than 2 weeks. It was totaled. The company dragged their feet and wouldn't do their job while I had to get another car for my job and pay both car payments I did for a long time it almost made me lose my house because again they wouldn't do their job and one payment was missed this needs to be redacted I. Have excellent credit. And I have never missed A payment in five years since I started it.. I will be going to the XXXX XXXX XXXX for XXXX if you do not fix this and i'm not joking ... All this was not my fault as well I have never total a vehicle at my fault ....
Consumer complaint received 2024-10-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

Jefferson Capital Systems LLC, added an unpaid debt from XXXX  to my credit report. I switched from XXXX to XXXX XXXX 4 years ago. My son returned his laptop to a XXXX store in XXXX, Ohio. Now 4 years later XXXX is saying I owe this debt. There is no debt, the laptop was returned 4 years ago and now they want to negatively impact my credit score. I have moved during the past 4 years so I no longer have any records to show my proof. I tried disputing this through XXXX, but it didnt change anything. Why after 4 years, with me not being able to show any proof after all this time, is this going on my credit report? My credit score dropped significantly over something that didnt even happen 4 years ago. The laptop was returned in XXXX!
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I keep trying to get equifax to either update or remove XXXX XXXX account ending in XXXX. Ive reported them multiple times and provided an ftc report and they refuse to do anything about it. Ive been trying to get this account off of my credit report for almost a month now. i reached out to XXXX XXXX  and the local branch manager even told me it is reporting inaccurately. it's showing late payments for XXXX, XXXX and XXXX and that is false. the local branch manager informed me that it should not have any late payments on it. i keep calling equifax, speaking to supervisors and getting different answers
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIRST PORTFOLIO SERVICING INC (IL)

Subject : Urgent Dispute Regarding Inaccurate Credit Report - Total XXXX XXXX XXXX Account To Whom It XXXX Concern, I am writing to express my extreme concern regarding XXXX inaccurate negative remarks on my credit report concerning a Total XXXX XXXX XXXX account. This appears to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have been reported twice for the same account, both of which are listed as " charged off. '' This is incorrect. There should be only XXXX entry for this account, as it is the same account. I request that the duplicate entry be removed immediately. 



Please take immediate action to remove the duplicate entry and ensure that my credit report accurately reflects my financial history. I will take further action if necessary to correct this situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4100.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly
Consumer complaint received 2022-08-02
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$990.00}
Consumer complaint received 2022-10-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY (FL)

I could not find a more appropriate issue statement that this incident would fall under. 

In XX/XX/2022 at approximately XXXX, an unknown man in an unmarked vehicle dressed in XXXX XXXX wear without any identifying information ( such as a badge ) waited down the block from my home in his car with the lights off. When my husband pulled into the driveway of our home and opened the garage door, the man in the unmarked car sped up to my husbands car with their vehicle lights ( headlights and taillights ) OFF. This scared my husband so badly, that he hurried to close the garage door behind him. The man in the unmarked vehicle turned on his vehicle lights, walked up the driveway, and proceeded to pound on the garage door with his fist. According to my husband and our home security footage, the man never identified himself. Adding to the scariness of the incident, the man walked up to our front door, even though our house outdoor lights were off, and proceeded to pound on the front door, while also peering through our doors peephole and through the windows. All of this can be seen on our home security footage. Unbeknownst to us, the man just drops the legal papers at the door and leaves. We didnt know who he was or why he was there until we investigated the papers left behind and received notices through email that I had been served a lawsuit. Because I was so unnerved by the event, I called the police and had them write a report. I have attached it below.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX : amount of {$4400.00} XXXX. XXXX XXXX XXXX {$160.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX. XXXX XXXX XXXXXXXX XXXX {$370.00} XXXX. XXXX XXXX XXXX {$110.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

paypal unauthorized usage of my debit card / checking/savings account by paypal. I have not authorized pay pal to remove {$150.00} from my account and they have used my debit card for other transactions I have not authorized them to make. I made a paypal payment via paypal withdrawing funds from my XXXX account, I was given an email address, when I realized it was the incorrect, i called paypal immediately to stop the payment from being issued, the customer representative told me they couldnt do anything I would have to get the monies through XXXX because paypal NO LONGER PROTECT PAYMENTS or monies used from another account FROM FRAUD. I explained this was new to me and that was the first time I was made aware of this. I insisted the payment was only issued moments ago, why cant they stopped the payment. She insisted she couldnt help me or do anything about it. and I would have to contact XXXX, which I did. XXXX back placed a stop payment on the transaction. and rejected the payment. Paypal them access another account I had to pay balances and removed funds without my knowledge. I only saw this today when I attempt to contact Paypal about the issue with XXXX and noticed that they had removed funds from my XXXX savings and checking account, I DID NOT AUTHORIZED OR MADE ANY PAYMENTS TRANSFER REQUEST FROM MY XXXX XXXX I AM REQUESTING THAT PAYPAL RESTORE MY XXXX FUNDS THEY REMOVED OF {$150.00}
Consumer complaint received 2022-09-19
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Brock & Scott, PLLC (SC)

On or around XX/XX/2022 I receive a notice from Brock & Scott , PLLC attorney/debt collector trying to collect on a alleged debt. I have never done business with this Brock & Scott , PLLC attorney/debt collector. So I requested that this company verify and validate this alleged debt. On XXXX XXXX Brock & Scott PLLC responded asking me for additional information. As they stated I owe a alleged debt so they should have all the information to prove this debt. Brock & Scott , PLLC is threating to take property that they have no rights nor claim to. I XXXX XXXX a nature person and consumer ask that Brock & Scott cease all communication with me about this alleged debt and to remove my name from your database. I XXXX XXXX refuse to pay this alleged debt.