davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agent can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (WA)

XX/XX/XXXX they called : ( these are all XXXX time times ) XXXX AM XXXX AM XXXX AM XXXX PM XXXX PM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XXXX AM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XXXX PM XXXX PM XXXX PM XXXX PM XX/XX/XXXX ( today ) XXXX AM XXXX AM XXXX AM XXXX AM XXXX : XXXX AM
Consumer complaint received 2021-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VELO LAW OFFICE (SD)

We received a letter from Velo Law advising : notice of a debt in the amount of {$4800.00} owed to has been placed with this office for collection. 

The notice does not say who is owed, what, when or where. The notice gives a file number, so we tried calling Velo Law to see who this debt is owed to. I was transferred three times. Each of the representatives tried getting personal information from me ; last 4 digits of SS # in order to access my file. I said, you shouldn't have a file on me, so I don't know how that can help. Which would prompt another transfer. When asked where I worked, I said US Courts. With that I was transferred again, this time the call was disconnected. When I tried calling back, no answer. 

I don't know what this could possible be for? I was the victim of an online scam a few years ago. We reported the person to the Michigan AG 's office, possibly this is a result of that? We also reported them to SD and Wyoming AG as we saw several other complaints about this person. Regardless, who in their right mind would fork over {$4800.00} not knowing what it was for. Reported this letter to our SD Attorney General and thought wise to report to FTC as a senior citizen could easily fall victim to something like this.
Consumer complaint received 2021-01-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX, XXXX XXXX reported to XXXX XXXX and Transition information from XXXX as if it were XXXX, resulting in a Derogatory remark on the credit report. The consumer attempted multiple times to have the problem rectified, only to receive multiple notifications that XXXX XXXX " adequately reported information to the credit bureaus, and the investigation was complete. '' I submitted multiple requests as to why information from XXXX was re-reported on XX/XX/XXXX, and no one at XXXX could indicate why the Derogatory remark was added to the account, but each time I called in, it was indicated that the account was not Derogatory and that it was in good standing and has been in good standing since XX/XX/XXXX. As such, although the account has been in good standing since XX/XX/XXXX, it is currently being reported as Derogatory. The consumer reached out to the credit bureaus, and was told it was a problem with the lender, and the lender indicated it was a problem with the credit bureaus. My credit score dropped almost XXXX points as a result, and I was in the process of purchasing a home and was no longer eligible due to the error on my credit report. My livelihood has been greatly affected, and I am unable to purchase anything as a result.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/2020 COMENITY BANK/ NEW YORK & COMPANY sent me a correspondence stating that I still owe a debt ignoring the cease and desist in which is in direct violation of 15 USC 1692c ( c ). COMENITY BANK continued to use obscene and profane language in which in the last company response they denied it. According to 15 USC 1692d ( 2 ) obscene and profane language is whats offensive to the consumer, this puts them in direct violation. On XX/XX/2020 I, the consumer XXXX XXXX sent Comenity bank a cease and desist, an Affidavit of Truth and an invoice. I also received statements of a consumer credit transactions in which involves a finance charge and is the sum of all charges according to 15 USC 1605. COMENITY BANK continued to report my information to the credit reporting agencies, again which is a violation without my written consent and not given the opportunity to opt out, according to 15 USC 6802 ( b ) ( 1 ) ( B ) COMENITY BANK are in direct violation. Without written consent is identity theft. I am the consumer and I have the right to refuse to pay this debt according to 15 USC 1692a ( 6 ). Reporting false information causes COMENITY BANK to be in direct violation of 15 usc 1681.
Consumer complaint received 2021-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I am requesting for Midland Credit Management to remove and delete this fraudulent account from all three major credit reporting agencies immediately or legal actions will be taken against your company. I have never had any type credit cards with XXXX XXXX XXXX. 
1. Midland Credit Management Account # XXXX I have attached a copy of my police report as well as FTC report stating for this fraudulent account to be removed immediately from XXXX XXXX and XXXX.
Consumer complaint received 2020-08-06
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: National Credit Adjusters, LLC (CA)

I had a collection account with NCA I settled it and it wasnt updated I disputed the information and XXXX  said the debt was verified. And I submitted the letter I received showing it was settled.
Consumer complaint received 2022-08-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc. (FL)

CALIFORNIA BUSINESS BUREAU , INC has been reporting amounts to XXXX for medical debt allegedly owed to XXXX in XXXX XXXX. The Collection Agency refuses to provide me with any documentation of these account balances and continues to report each amount to XXXX four or five times each month. Each time I ask the collection agency for an account statement I am told that the collection agent is waiting for the original creditor to send them documentation that they have requested. I have contacted the original creditor and been informed that no information has been requested by the collection agency for any of these accounts. California Business Bureau , Inc. refuses to provide account statements, reports the balances to XXXX several times per month, refuses to attempt to actually collect any money they allege I owe and has been negatively impacting my credit score since XXXX without just cause. I have filed complaints with XXXX and they have accepted Certifications and Verifications from the collections agency in lieu of requiring documentation to substantiate the amounts owed.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (DE)

XX/XX/XXXX I was notified by CitiBank that they were lowering my credit limit. This action was taken over two weeks after I had significantly lowered my balance, which had been carried high due to pandemic related impacts and uncertainty. This had the effect of not only eliminating the credit limit space I had opened up with an eye towards improving my utilization score, they cut my limit under the amount of currently approved spending, immediately placing my account over the limit and beginning negative reporting to the three credit bureaus. I attempted over three weeks to contact them and request a delay to their action until the credit bureaus caught up with the payments that had been made in mid XXXX, and at a minimum to stop reporting an over limit negative condition until the review had been completed. The company refused to make any gesture to stopping the credit reputational damage they had caused, and would not agree to revisit or reconsider their decision any sooner than within 60 days. Based on their refusal to consider that acting on a credit report they KNEW, based on the substantial payment they had received the month prior, to have significant inaccuracies, I have chosen to wind down and end my relationship to prevent future bad acts.
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I am filing this complaint because Midland Credit Management ignored my request to provide me COMPLETE documents - specifically the contract I signed obligating me to this alleged debt. Or how about the proof of identity that I must have provided at the time of incurring this debt, as this company is required to obtain this identification per the Patriot Act. 
Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX Balance Owed : {$0.00} Charge off XXXX XXXX Balance Owed : {$510.00} Collection XXXXXXXX XXXX  XXXX of inquiry XX/XX/202XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX, XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020 These accounts and inquiries are involved in litigation and does not belong to me. I never established these items. These items are a result of fraud. I was contacted by a collection agency regarding the items that were obtained under may name. I have no knowledge of obtaining any of the items listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts and inquiries investigated and removed immediately.
Consumer complaint received 2023-04-14
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. (FL)

Experian is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent EXPERIAN written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice. 
In accordance with the FAIR CREDIT REPORTING act Convergent Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Since XXXX of 2019 I have been disputing XXXX XXXX XXXX on my credit report. I have disputed this account with all three credit bureaus whom all responded to dispute as updated. However, after reading the FCRA I cant be dinged twice on an collections account. Just in XXXX 2020 Equifax reported that I was 120 days late with this account. The account was charged-off and is closed. I'm not sure a derogatory account is showing payment history/ Charged-off/ late payments. When I don't have a payment plan set-up with this company. This collections account reported late payments for all three bureaus in XXXX which impacted my score and report tremendously. I have disputed this with all three bureaus as stated for about 2 years and they keep saying verified. How can this be verified when the account is charged off/ closed?
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Since XXXX of 2019 I have been disputing XXXX XXXX XXXX on my credit report. I have disputed this account with all three credit bureaus whom all responded to dispute as updated. However, after reading the FCRA I cant be dinged twice on an collections account. Just in XX/XX/2020 XXXX XXXXeported that I was 120 days late with this account. The account was charged-off and is closed. I'm not sure a derogatory account is showing payment history/ Charged-off/ late payments. When I don't have a payment plan set-up with this company. This collections account reported late payments for all three bureaus in XXXX which impacted my score and report tremendously. I have disputed this with all three bureaus as stated for about 2 years and they keep saying verified. How can this be verified when the account is charged off/ closed?
Consumer complaint received 2021-01-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have exercised my rights under the Fair Credit Reporting Act by initiating an investigation regarding my consumer credit report. I have submitted copies of my social security card, current utility bill, and government issued ID with each written dispute request, I have submitted a dispute for the following items a total of 12 different dates via us mail. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have not received an investigation summary and or results for any of the disputes submitted. My consumer request have been ignored and obviously not properly investigated.
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

I have received calls from XXXX 2 times today -- XXXX, XXXX. Also on XX/XX/2021 at XXXX & XXXX. I called back and it's apparently from Receivables Performance Management, a debt collection agency, looking for my XXXX year old daughter who doesn't live with me & has a different cell phone #. We've been through this before & it's a scam, claiming she owes XXXX XXXX {$50.00} -- she doesn't. She contacted XXXX when it happened months ago & they said it's a total scam. I googled the # & it pops up as XXXX XXXX scam also. I have reported all of their # 's before ( also XXXX -- they always use the same exchange ) but they're back at it.
Consumer complaint received 2021-02-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

I am writing today in regards to my account with TD Bank NA  account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to XXXX. As soon as I was able to I reached out to TD Bank to let them know that I was unable to make that payment because I was sick with XXXX and I got the account caught up. Due to this being XXXX   related the rep notified me that they will look into having the late mark in XX/XX/2020 updated to paid as agreed or not reported and have not heard back from her. 

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Consumer complaint received 2021-01-22
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. (GA)

I am requesting for Equifax to remove and permanently delete the following fraudulent accounts immediately because someone used my personal information to obtain these credit cards in my name without my consent : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX  I have attached a copy of FTC Report as well as Police Report to this correspondence and under FCRA, Equifax is required by law to block and remove these fraudulent accounts immediately. If not, legal actions will be taken against Equifax.
Consumer complaint received 2021-01-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Reliant Capital Solutions, LLC (NY)

A male individual uses a number of different phone numbers, including : 1. ( XXXX ) XXXX ; 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX ; to contact me back to back to back about alleged debt. He threatens to show up at my doorstep, demands my social security number and date of birth. He says I owe money and that he will email me. He sends no email but continues to use different phone numbers to harass me, even after I told him to stop calling me.
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (IN)

I had signed up for a monthly service from XXXX XXXX XXXX XXXX. The agreement is for them to spray inside and outside of the home, check termite bate stations and mice bate stations. I advised them that they needed to schedule all the appointments with me so I could make sure someone was available to let them into the property. This was going fine until XX/XX/2023. They took it upon themselves to charge me to a service that I never received. They said that they came and sprayed outside. However, the appointment was never scheduled, therefore no one was home, and there is no proof of any services rendered besides a bill they sent. Just to be clear them spraying outside is typically for the summer months for bugs. There is no bugs outside in the XXXX so I am not sure why they would do that. They didn't schedule the appointment therefore the inside was not sprayed, nor was the mice bate stations serviced, and I am not even confident that they actually sprayed outside the house. Once I got the bill I was upset because didn't schedule the appointment and I do not believe my home was serviced and worse case scenario properly serviced. I have never missed a payment with them or any other company for that matter but I refuse to pay for services that was not rendered which I told them that and canceled their service. 

In XXXX I received a notice from a collection agency. Kinum asking me to respond to the notice which I did and sent through certified mail on XX/XX/23 tracking number XXXX XXXX XXXX XXXX XXXX. They stated if I responded they would investigate the debt prior to trying to collect, but they did not stop. Then on XX/XX/23 i received another letter from them requesting I pay the money. They didn't respond to the certified mail at all. I called the number on the notice XXXX and entered the account number and it only refers me back to XXXX XXXX. I can not speak to anyone and I am not being heard. The bill is {$65.00} and I have nothing on my credit report because I pay all my bills on time. I do not want then trying to put false debt on my credit report. I would never skip on a bill if it is truly owed. I would never risk ruining my good credit score for {$65.00}.
Consumer complaint received 2023-04-14
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. (IN)

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 XXXXXXXX XXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : US Dept of ED/ XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX 

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 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.

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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 information is inaccurate
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} CAPITAL ONE XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$86.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.