davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$9100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00}.
Consumer complaint received 2023-03-21
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-03-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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
Consumer complaint received 2023-04-10
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. (TX)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00}
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (LA)

I received notification during XX/XX/ from the credit bureaus that a company called Transworld Systems was listed on my credit report for a collection debt in the amount of {$930.00}. The original creditor is XXXX XXXX. 

Someone has created a fradulent utility account under my name. This account does not belong to me. I have been a victim of identity theft. 

This utility debt is associated with an account in XXXX, TX. I have lived in the state of Louisiana for over 20 years. 

I have filed a police report and will provide supporting documentation to show my proof of residence over the last year. 

Also, I have filed a dispute with XXXX XXXX. 

Please remove this collection debt from my credit report.
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and605A(b) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follows: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.
Consumer complaint received 2023-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

I am a XXXX single mother of three. The Loan Modification that I was metaphorically pinned down to sign, increased my principal balance by approx {$36000.00} ; AND most importantly my interest rate went UP. That's correct, UP, with a hardship modification.My mortgage interest rate went from 2.87 % to 5.5 %. Prior to the predatory Loan Modification in XX/XX/2022, my mortgage was due to be paid off in XXXX. Now Selene, since they put the defaulted amount on the end of the loan and take over {$600.00} ( almost half of the monthly payment ) for the interest rate ; they've extended my loan payoff date to XXXX. I no longer work nor am I able to hold any type of employment. I get by, support my kids, get to doctor appointments, and pay my bills with SSD benefits, and my ex-husband child & spousal support. My support ends in XXXX. My mortgage will be even more impossible to keep up to date. The entire awarded NJHAF amount of {$35000.00} should have been taken off of the defaulted amount at the end of the loan, where the defaulted amount was added. I will be more than happy to supply all supporting documents in my next email. 

Meanwhile, I will prepare a timeline of emails and correspondences indicating Selene Finance 's evil predatory lending tactics. Selene knew exactly of my NJHAF application, pending approval, all while, processing an expedited foreclosure summons, then overnighting an approved 'Loan Modification ' document with an acceptance deadline date ; prior to them releasing the requested documents to NJHAF that was needed to process my approval for rescue funding. XXXX XXXX, of NJHAF, even had to call Selene personally to re-request the documents to be expedited, since the NJHAF process was stagnant due to it having been over 45 days since the original request.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (KY)

On XX/XX/2022 I sent a letter stating that GM Financial furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. I also, sent a notice to cease and desist all communication conveying of information regarding a debt directly or indirectly to any person through any medium. 
Re : Notice to Cease and Desist Account Number : XXXX Dear GM FINANCIAL, To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2022. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Consumer complaint received 2024-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (WA)

XXXX. I opened XXXX credit card on XXXX. 

XXXX supposed receive XXXX XXXX mileage after {$2000.00} spending. I met minimum spending requirements on before XXXX statement closing date. 

XX/XX/XXXX statements closed. but have not received. I contacted XXXX and they said it will be deposit at next billing cycle statement. 
They confirmed that I met minimum spending requirement already XXXX. After closing XXXX statement ( XX/XX/XXXX ), still have not received. Contacted them again. 
They said it will be deposit at next month. also they opened investigation case. Case number is XXXX XXXX. XXXX statement closed. I still have not received sign up bonus. 

XXXX. I am so tired dealing with them anymore
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OH)

I did not receive the {$300.00} statement credit that I was entitled to. 

On XX/XX/22 I applied for a Delta Skymiles American Express card. The sole reason I applied for this card and not another airline affiliated credit card was the incentives attached to the card. 

Incentive # 1 was I would receive a XXXX skymiles if I purchased {$2000.00} or more using the American Express card in the first six months. I fulfilled this obligation and I was awarded the XXXX skymiles. 

Incentive # 2 was I would receive a {$300.00} statement credit if I made a Delta Airlines purchase in the first six months. When I was approved for the Skymiles AMEX, I purchased two tickets to XXXX XXXX using the temporary card # that American Express emailed me ( XX/XX/22 ). Under the promotion I was working within, I fulfilled this requirement. However, after waiting 8-12 weeks for the statement credit like the webpage indicated, I did not receive the {$300.00} statement credit. 

I've reached out to American Express customer service 3 separate occasions and they will not honor the {$300.00} statement credit incentive. The response I keep getting is that the {$300.00} statement credit was never tied to my account, therefore I'm not eligible. I have a screenshot of my offer moments before I completed the online application just for this situation... something not being honored. I shared to American Express that I have this screenshot, yet they declined to receive it when I asked where I can send the screenshot for verification of my offers at the time of applying.
Consumer complaint received 2023-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I am not familiar with this company. I have never done business with this company before. I have never signed any contract nor taken out any loans from this company. What they sent me was proof of loan from XXXX XXXX bank. Which was charged off back in 2020. Due to financial hardship because of Covid-19. I have also sent them several cease and desist letters Which they have felled to acknowledge. Ive also asked them to credit my credit report by removing the negative remarks.
Consumer complaint received 2023-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Hi so I am a small business owner of XXXX XXXX XXXX and I made the mistake of using Venmo for my first transaction with a new client that sent me a {$2100.00} deposit to start on his custom XXXX XXXX build project. This was on XXXX XXXX Venmo transaction id # XXXX Once I tried to transfer out the funds to my account and wasnt able to. Then I was emailed by the Venmo team on XXXX stating that my account is is frozen and I needed to verify myself ( which I now sent them my id that they asked for ) then on XXXX I got an email from the Venmo team saying after review my account has been permanently deactivated and my funds will be held up to 180 days for lost prevention and I will be emailed SHOULD THESE FUNDS be available for transfer in the future. 

Now my problem is I am a small business and I can not blame this on my client so I have to proceed with the project he has already send me a deposit for. Now when I finish and return the client his project which will be done way before the 180 day wait period, I want these funds to be lost or sent back to the client that Ive already dealt with apart from this incident, I will take a huge blow I cant afford. Please help someone needs to hold Venmo accountable for this just cause I makes the mistake of not making it a business account they hold people money and risk tarnishing XXXX XXXX like mine, they could have easily had a professional reach out and less us know what were doing wrong, this hurts me and my business so bad this was one of my first big clients and I almost cant afford to proceed his project cause Venmo is holding his {$2100.00} that I need to locate parts for his project. This is bad in every way
Consumer complaint received 2023-03-21
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which are 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/remove these files. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (FL)

I had an XXXX  XXXX on XX/XX/XXXX at XXXX XXXX XXXXXXXX and paid {$1700.00} out of pocket and my insurance paid {$930.00}, leaving a balance of just {$0.00} on attached follow up bill dated XX/XX/XXXX. I have several follow up visits from XXXX till I moved out of the state on XX/XX/XXXX and at no time did I receive any additional bill. I received a debt collection letter from Harris & Harris , Ltd dated XX/XX/XXXX stating that I owe {$100.00} to The Trustees of XXXX University in the XXXX XXXX XXXX XXXX. I'm disputing this debt as it violates the surprise medical bill Act because it is an unexpected bill from an out-of-network provider or at an out-of-network facility.
Consumer complaint received 2023-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One is showing late payments and I have tried to contact them to show them how this information is inaccurate and sending proof and they are still not cooperating. XX/XX/XXXX XXXX XXXX {$100.00} {$150.00} There's a bankruptcy being being reported in 2016 it is inaccurate
Consumer complaint received 2023-03-30
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: DISCOVER BANK (FL)

When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. 
it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards.For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2022-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NC)

Midland Credit Management is attempting to collect on an alleged debt that i have no knowledge of. I never received a written notice to dispute or request validation of this alleged debt prior to XXXX  reporting this invalid information to all three credit bureaus
Consumer complaint received 2022-12-29
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. (FL)

Since XXXX of this year I have been sending written correspondence to EQUIFAX regarding an inaccurate account that is being reported to my credit report. There is a XXXX  XXXX card that belonged to my wife, which was settled and no longer reports to her credit profile but still shows on my EQUIFAX credit report as an authorized user and the closed account is showing as DEROGATORY. 

I have requested in writing for proof of the account 's status and any records to support why EQUIFAX would have it listed on my report, but still have not received ANY correspondence back from EQUIFAX. 

I have tried to be patient and understanding, considering the fact that EQUIFAX has been under scrutiny and Federal investigation for false reporting. Unfortunately, I do not believe EQUIFAX has any plans to help resolve this matter. So here I am 9 months later seeking clarity and support to resolve this matter.