davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I had XXXX rental applications denied due to false information provided by Transunion. The incorrect data was part of a " tenant report '' that Transunion sold to a third party. The third party company operates as a tenant verification service that is paid for by the management company that manges the property for the property owner. When I was denied I asked what factors were used in the decision. They provided a XXXX  XXXX  notice showing the third party verification company. When I inquired after the second denial they told me the same verification company. I got the phone number and called, they said transunion tenant file was used. I requested the file but they refused. They told me to get my Transunion Credit Report. I asked if there were other factors than those on my credit report report she said they also looked at past payment history and some indicators showing if I was a good tenant. They then said the file showed a poor payment history and listed the addresses. I had never lived at those addresses. And I have paid XXXX  years of rent every month ontime. I contacted Transunion and have been told repeatedly there is a system error and my credit report is not available. I requested it online and then called and requested all three reports. Only the other XXXX credit agency reports arrived in the mail. I know Transunion has incorrect information in their tenant file but noone will allow me to see it. And I am not even able to get my credit report from them.
Consumer complaint received 2024-12-17
Product: Credit 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: CITIBANK, N.A. (PA)

I applied for a Macy 's credit card & used it that same day towards the end of XXXX to purchase my daughters homecoming shoes. I ONLY used it that day because the card never came in the mail. I call & complained that it never showed up. The person I talked to said there are charges of $ XXXX and XXXX other charges of $ XXXX. I explained I never made those purchases & the only purchase I made was the same day the card was opened. She claimed she updated my address ( not sure why it was different from what I typed in their machine at the store to apply for the card ) She then said they'd send a replacement card. I did get a card in the mail. & assumed everything was fixed. I went to use my card today ( XX/XX/16 ) & it was declined. I called & was told my total charges are $ XXXX when I never made ANY of these purchases! There was additional $ XXXX added onto my credit card account! They're telling me it'll take XXXX more months to get this fixed & I've had issues since XXXX!
Consumer complaint received 2024-10-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (NY)

On XX/XX/XXXX Central Portfolio Control placed a negative charge on my credit report for {$7000.00}. This company never contacted me via phone, mail or email. This company attempted to this earlier this year against my mom, same tactics no call, no mail nothing they just placed a debt on a credit report to cause wanton damage. 
They state they represent a former landlord. 
In XX/XX/XXXX, I went to an eviction hearing with said landlord, XXXX XXXX XXXX in which I paid the past due rent and the landlord 's attorney drafted an agreement that I was to vacate the property by XX/XX/XXXX. I vacated the property XX/XX/XXXX despite efforts by the landlords super to hold me XXXX and make threats against me and intimidate me. 
The court agreement is very clear. As long as I vacated the property the landlord could not pursue further past due rent or damages unless they went through small claims court. This agreement was witnessed by the court clerk and signed by me, the clerk and the landlord 's attorney. There is no wiggle room. 
They did not attempt to pursue this in small claims court. There is no court hearing or judgment against me. They and this debt collector are in violation of a court order. 

I do not live in XXXX anymore, all my mail is forwarded, the landlord has my contact information as does their attorney. 
This is now XX/XX/XXXX, 9 months after that hearing and all of a sudden the landlord and this debt collector want money? This does not take 9 months. 
In speaking with the XXXX XXXX XXXX XXXX this was confirmed to me since they also read the court order from XX/XX/XXXX. 

This is an illegal action and is considered fraud and is being pursued as such and now i have to pursue an attempted XXXX  charge against the super since these people will not leave me alone, my mom just died and I am not in the mood to be harassed by people who feel they are above the law for the record I am also broke and my mom had no estate there is no money. I never received any contact from the landlord, or this debt collector. They have my information especially due to the issue with my mom. They did not follow the debt collection laws at all.
Consumer complaint received 2024-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXXXXXX Account NumberXXXX Date of Charge-Off : XX/XX/ It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter
Consumer complaint received 2023-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (KY)

I had an account with XXXX XXXX  that ended in XXXX. It went to collections in XXXX and I received a notification from IC Systems about the debt. I believed the debt to be incorrect and therefore refused to pay it. In looking at my credit report, IC Systems is stating the debt went to collections in XXXX. This is incorrect and should have fallen off my credit report by now. IC Systems is refusing to correct the information and thus is harming my credit which is otherwise spotless. I would like this information updated and corrected.
Consumer complaint received 2023-11-28
Product: Credit 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: CITIBANK, N.A. (CA)

I purchased few items from Macys online on XXXX end and XX/XX/XXXX week this year with Macys credit card that is linked with my Macys account. I returned all the items still my balance was shown as complete amount of original purchase with added fees etc even after month. I disputed and it was in my favor, but still i was shown some random amount of more {$180.00} in my account. I called macys customer service department, credit card and dispute department multiple times but didn't get much help. One of the customer service person asked me to pay {$69.00} and they will close the account. But still after paying it remained with pending balance. I have called customer service department and stayed in calls for 2hrs each time and everytime they were removing latest late fee and interest and not giving any explanation for pending amount. 

On Tuesday XX/XX/XXXX, I called macys and got confirmation in email that i don't owe any amount to macy 's and they told it should havXXXX XXXX  balance updated in 3-4days. But now again i am getting reminder emails to pay the balance. Can you please help? It impacted my credit score. They have harassed and tortured me alot. Please help
Consumer complaint received 2022-06-24
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. (OH)

This credit report agency Updated the accounts XX/XX/22 And said the accounts were verified, However I never said they werent. My response to the company was as followed 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Delete Account Immediately XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX I never said they werent accurate however, they are invading my privacy rights by displaying accounts on my credit report without consent and therefore would like them removed immediately. 
Based on the laws 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-06-10
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 — Their investigation did not fix an error on your report
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have an account that is still showing late payment for XX/XX/2021. This is the ONLY late on my entire credit report and it is because of HSBC 's fault, NOT mine. This account was on auto pay where HSBC takes the money out of my account automatically every month to clear the bill. The monthly payments are fixed and HSBC knows exactly how much to take out because they do it every month with no issues HSBC did not take the money in XX/XX/2021 and this prompted me to see what the problem was. HSBC explained they did not take the payment this month and they were performing updates. The updates knocked the payment system offline and the autopay feature did not trigger. HSBC then refunded me the late fee they assessed and told me I have nothing to worry about. Now On my credit, I see this late payment hurting my credit profile. I spoke to an agent from HSBC and they told me it will be reversed. Today, months later, the fee is not reversed and I am still fighting this problem. I just want this error addressed and reversed on my credit. I have 100 % payment on all my accounts except for this one because HSBC made a promise to me and has failed to keep their promises. I have the credit report attached. Notice they have sold the account to XXXXXXXX XXXX  and it says " In Dispute '' This means they have received my dispute and deliberately refusing to fix this problem. I need the CFPB to look into this and have this late payment taken off as promised AND my credit restored to perfect.
Consumer complaint received 2022-06-10
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. (CO)

in accordance with Fair credit reporting act XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (MI)

Disputed debt via USPS certified mail with tracking number # XXXX to dispute debt. I do not owe this debt. despite me disputing it, they still reported it to credit bureas on XXXX XXXX ( got Two letters back to back from XXXX XXXX XXXX XXXX Received notification from credit bureaus this week that i have a negative account on there. Called and spoke to XXXX on XX/XX/XXXX around XXXX AM EST but she insists that she is allowed to report it. Per the FDCPA, They can not dispute a disputed debt until they satisfy all components of my dispute. My dispute included for them to Verify debt, verify company, send last billing statement, original contract and all payments made regarding that contract, and to verify that they are a licensed debt collector in michigan. Despite me saying all this, she still said that wont stop them from reporting it ( I.E threatening to report to credit an unverified debt ) Didnt care to take tracking number, sent me to supervisor who did not answer. This company is acting illegally when it comes to collecting/reporting.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2021-10-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc. (CA)

XXXX XXXX XXXX referred me to Professional Credit Service ( PCS ) for a medical bill that they wrongfully sent to collections, after the advised me I was eligible for XXXX XXXX. I submitted the application and required documents and was told XXXX XXXX picked up my account and my balance was {$0.00}. The didn't send me prior notice or call me to inform if they had made an error or before they decided to reverse the fees and refer me to collections. There are federal and state protection laws that require that they make reasonable attempts before referring to collections, including that I am provided with 150 days from the initial billing prior to making attempts to collecting on a debt. This was not the case, and I was mislead to believe I was approved for XXXX XXXX. Then when I asked for a notice I received the approval notice with different dates that does not coincide the medical billing date for I applied for. I need PCS to immediately stop all collections made against me until this matter is resolved with XXXX XXXX XXXX.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the XXXX
Consumer complaint received 2022-06-03
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: U.S. BANCORP (LA)

I have a loan with U.S. Bank for my XXXX XXXX. I downloaded the app to make payments and attempted to make payments on time every month, but due to errors with the app I was unable to make payments on time. Over the course of XXXX months, my payments were returned from XXXX separate bank accounts and I was charged a late fee for each failed payment. After noticing my payments had all been returned, I then linked my account to the app to make the payment and the same issue persisted. I was then contacted by US Bank for the first time, by the Collections department asking for payment and giving notice that I had been sent to collections effectively negatively impacting my credit score. I explained the situation to the representative and asked what could be done and she advised that all she could do was waive my most recent late payment fee and pass me on to either the dispute section or app section to attempt to rectify my issue. I filed a dispute with the dispute section but still have not heard anything back to this day. A week passed, I called to pay my debt in full over the phone after not hearing anything back from the dispute section about my complaint. When I told the representative that I was calling to pay my loan up to date, she asked " do you still have the vehicle? '' Of course, I was confused and she told me that my car had been placed on repossession. No notice, no communication at all had been given to me nor had anyone addressed my issue with the app, but they were planning to repo my car. I told the representative I'd like to pay everything up to date and start fresh with no issues. I was given a total, I paid the total and went on about my day. Then a week later, within the same month, I was called again by a representative telling me that I was late making a payment and had been charged a late fee. Apparently the last representative I spoke to only charged me a portion of my current bill, so I was assessed another late fee and behind again and still can not pay through the app.
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (AR)

My ex husband owes a debt, we do still talk and sometimes he comes to visit me. However I am the only person on my lease and I pay all utilities. He apparently owes a debt that has been purchased several times over and LVNV funding now has the debt. This woman came to my door XX/XX/XXXX and hung out for 10 minutes knocking on the door, ringing the doorbell, until I answered to get her to get her to stop, she gave me papers showing that they were going to sue him. I explained to her Im the ex wife and hes in the XXXX XXXX  in Texas. And I dont know his return date because that is the truth. Now she has come back at XXXX on XX/XX/XXXX I was sleeping because Im an XXXX XXXX  and I work night shift, luckily my dog was not here to wake me up, because when she knocks he barks nonstop. When I woke up I saw on doorbell camera, she was hanging out after doing her usual ringing and knocking, she was there for probably 5 minutes. She came again today XX/XX/XXXX at XXXX and her ringing of the doorbell and constant knocking woke me up, because again Im on nights and I had a XXXX XXXX today, and I was trying to nap to be able to pull an all nighter studying. She is now causing me distress and this isnt even my debt, I am divorced from the debtor. I made that clear the initial encounter.
Consumer complaint received 2023-05-12
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. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc. (TX)

During this year, 2022, I spoke with the company on several different occasions when they called me. They continue to report false information on my credit report. They have a collection account listed as OPEN on my report, for the amount of {$220.00} to XXXX XXXX, which is not true. I have requested information with my signature stating that the account is mine, and it has not been sent. I don't recognize the company listed on my credit report they say I owe. I tried to look up the collection company on XXXX XXXX XXXX and they are not listed, which means they aren't licensed to do business in Texas. I have requested, verbally, for the company to stop contacting me and posting false information on my credit report. They stopped calling, but negative information is still present on my credit report.