davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
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. (TN)

I sent a certified letter to XXXX, XXXX, & Transunion in XX/XX/XXXX requesting the bureaus provide their method of verification for a XXXX  XXXX & XXXX XXXXXXXX bankruptcy listed on my credit report. I also contacted the court house in GA & TN in XXXX & was advised the court does not provide bankruptcy information to credit bureaus. I spoke with XXXX, XXXX employee on XX/XX/XXXX and requested the method of verification & was advised XXXX provided this information. XXXX was unable to verify they received a copy of the bankruptcies themselves & referred me to contact XXXX. XXXX confirmed XXXX received my letter in XXXX & stated she would note my dispute Confirmation XXXX. I called XXXX representative XXXX XXXX badge number on XX/XX/XXXX. The representative advised they used a 3rd part service called XXXX. Rep stated she could not verify the bankruptcies and would file a dispute so XXXX could verify how the information was verified & initiated a dispute. XXXX is not 100 % accurate and should be utilized as a primary source for verification. Also, to my knowledge, per FCRA-a dismissed bankruptcies should be removed because there is no proper reporting of a dismissed bankruptcy. Per FCRA the credit bureaus must provide upon request a letter showing the method of verification used. I did not receive this and I requested this in XXXX. XXXX does not provide 100 % accuracy and without the credit bureaus obtaining any information directly from the court house, how can they report two bankruptcies without proper verification. Please further review and request all bankruptcies be removed from my report. XXXX XXXX  reference # XXXX XXXX XXXX reference # XXXX Ive attached documents to confirm my identity. 
Thank you
Consumer complaint received 2022-02-14
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. (NY)

Since XXXX of 2020, I have been disputing 2 XXXX XXXX accounts that appear on my credit report. I have disputed these items with the creditor directly, as well as with the 3 major credit bureaus : XXXX, XXXX, and TransUnion. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on these accounts, because they were paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, all that I continue to receive are requests for me to supply XXXX XXXX with more information in order for them to investigate the account. I am unclear as to why I need to help XXXX XXXX investigate an account, when they are the ones furnishing the inaccurate information to the credit bureaus. 

However, ALL of this is currently incorrect : -High balance is reporting inconsistently across the 3 bureaus -Last verified date is inconsistent -Date of last activity is inconsistent -Date reported is inconsistent -Date opened is inconsistent -Closed date is inconsistent -Account rating is inconsistent -Last payment is inconsistent -Credit limit not reporting on XXXX -Dispute remark missing
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

This is pertaining to two fraudulently opened accounts that I have tried to fix several times dealing with Experian. The accounts are as follows, XXXX XXXX XXXX XXXX XXXX XXXX. I have filed and sent a proper Police report, a Federal Trade Commission Affidavit, a sworn affidavit that was notarized in front of a Notary, a copy of the police investigators business card with all contact information and case number pertaining to the police report filed, also a copy of my Drivers license, copy of my social security card with number, and my Veterans Identification. All these documents will be included within this complaint. I served in the XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX and was XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and this is how I am treated. Some internet thief stole my credit information and open several accounts in my name and Im the one being blamed for it. I didnt benefit from any of these fraudulent accounts, nor did I have any knowledge of the accounts opening whatsoever. I have contacted Experian as well as the companies in question several times trying to resolve this problem but to no avail. It doesnt make any sense at all that Im still dealing with this even after all the reports I have filed and gathered, copied and sent to all parties responsible. I have even found out that my information was leaked because of a Data Breach that Im involved in with thousands of others. The incompetent responsible parties should be chasing the Internet thieves but instead they double down on the honest people and try their best to make them pay for something they had no part in.
Consumer complaint received 2022-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (VA)

I had, what was told to me by physician, a surgical procedure to correct problem O was experiencing from previous XXXX  with the same physician in the Spring of XXXX. I saw physician in follow up appointments but was never advised of any outstanding debt not paid by insurance company until call received XX/XX/XXXX from collection agency ( Capitol Accounts ) advising on a XXXX debt owed to XXXX XXXX XXXX XXXX Phone calls to XXXX XXXX 's office for explanation were unanswered and appointment was scheduled by his staff to come into office to resolve with physician. Again, I was also having gastro issues and wanted to be seen by physician. I drove the 3 1/2 hour drive, one way, sat in an exam room for well over an hour and was then asked to move to am office where I thought I'd have a consultation with XXXX XXXX. About 1/2 hour later, I was advised that XXXX XXXX was not coming into the office to see nor discuss my case. Please see attached documentation showing dates and attempted correspondence with XXXX XXXX. I believe what happened ( I work in healthcare billing ) was either staff never called to obtain authorization for the procedure, did not bill correctly or never billed it in time thus timely filing occurred with the carrier. This account has been added to my credit file thus causing issues with my trying to find housing as well as astronomical interest rates. He has clearly passed timely filing with the insurance carrier and is now expecting me to pay privately for a medical procedure that he advised I needed to correct the issue. Please note... I originally had weight loss XXXX  with him in XX/XX/XXXX. I had the utmost respect for him and his profession until he refused to come in the exam room to exam me and discuss " the debt ''.
Consumer complaint received 2022-04-22
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc (PA)

Second look Inc his trying to collect a debt for XXXX XXXX that was found to be false and insurance fraud by the claimant. I have made several calls and by mail to stop the harassment of Second look for a claim I do not owe or do that have any judgment. The Alleged account number for the second look is XXXX XXXX # XXXX XXXX Second Look phone number is XXXX. 

Please fine this company for misuse of phone Comunicaciones and fraudulent mail after being constructively told to stop harassing me of money I do not owe them. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2022-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX. I had buyer send me XXXX for product. But I got email there is a PROBLEM TO SEND XXXX MORE then you will be rein burst the remainder. The XXXX payment was bank of America My bank was XXXX  XXXX but my bank shows no info about any of this. Here is first email is bellow. The second confirmed the XXXX difference and the XXXX was FBI warning that I was being investigated if I didn't return the money within a hour!!! 

Dear, XXXX XXXX XXXX XXXX XXXX sent you money through Bank of America with XXXX XXXX Your sender is registered with a XXXX member bank that supports payments in real time. You'll usually get their payment in a few minutes. 
amount : {$1300.00} To : Regular Checking XXXX Credit posts on : XX/XX/2022 Available now : {$0.00} Confirmation # : XXXX Pending Review Important information : Your XXXX payment is under review : Follow this instructions below to resolve the issue. 
We have a problem crediting your funds ( {$1300.00} ) because of your account is not a Business User which makes your account have limits. This amount seems to be above your limits so you have to take this urgent step to expand your limit. 
Expandyour account into a business account, contact your buyer XXXX XXXX XXXX ) to send in an additional payment of {$380.00} into your XXXX account to expand your limit. Soon as this is done, we will credit your account with the whole sum of {$1600.00} IMPORTANT NOTE : An alert email has been sent to your buyer ( XXXX XXXX ) in regards to the {$380.00} additional payment to send, we will secure this transaction with high priority that neither the buyer nor the seller will lose a dime in this transaction. 

Ask XXXX, " Reply Email For Any Complaint?
Consumer complaint received 2022-02-14
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: BARCLAYS BANK DELAWARE (IL)

I was not notified of a credit limit decrease before it happened. No advance adequate notice was given. The company substantially decreased my limit to point where the utilization on the card shot up to over 85 %. Which means this company is artificially manipulating my credit account, credit score, credit-worthiness, and credit report. This is done in order to drop my score to increase my rates and fees banks and other card issuers can charge. this is illegal and a violation of congressional law. This is " unauthorized use '' as defined under 15 USC 1602 ( p ). This is identity theft. They used my card to manipulate my balance and the interest they can charge, they are NOT the cardholder, they do NOT have actual, implied, or apparent authority for such use and from which I, the cardholder received no benefit. They provide a service for a fee, they are not the original creditor, I am, they are not my agent. I am my own agent. I, the cardholder, received no benefit. In fact, this unauthorized use is to my detriment, as it is causing XXXX XXXX, and significant damage to my reputation and credit score, credit-worthiness, and credit report. There have never been any issues with this account. Nothing in my account history with this card warrants such a decrease. The limit was decreased within a few days of receiving an on-time payment. 

There are no verified public records or collections on my report, which was one of the key factors the customer service representative told me that my limit was decreased. When speaking with the customer service representative I was not given a numerical credit score as defined in 15 USC 1681g ( f ) ( 2 ) ( A ), as this company took an adverse action against me based in whole or in part on any information they received in a consumer report. I did not authorize the inquiry that provided the report. The customer service representative told me XXXX furnished the report. I don't know how or why, when there are currently multiple accounts under dispute and under investigation ; they shouldn't be providing anyone with reports. Last month I tried to pull my own report through XXXX and could not pull XXXX because of disputes and investigations. So how is a card company able to pull my consumer report and I can not? Not only that, but then take an adverse action based on unverified information?
Consumer complaint received 2022-08-03
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. (NY)

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-02-14
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: LD Holdings Group, LLC (TX)

In XX/XX/XXXX, I successfully refinanced my property with LoanDepot and paid off the outstanding debt owed to XXXX XXXX. My first payment on the new term commenced on XX/XX/XXXX. I made two payments in XXXX towards my mortgage payment of {$1400.00} before the end of the month. Then in XX/XX/XXXX, I paid the full amount owed on the XXXX of XX/XX/XXXX to avoid a late payment. Since making my first full payment for XXXX and also XXXX I have not seen my mortgage payments reflect on my XXXX credit report nor other credit reports. My DTI ( debt to income ) ratio has taken a big hit. In XX/XX/XXXX, I asked LoanDepot to place my account in forbearance due to COVID-19 job loss which they verbally agreed over the phone on XX/XX/XXXX when I spoke with an agent named XXXX XXXX. LoanDepot has been looking for a way to repossess my property by negatively reporting or labeling the account as delinquent inspite of the fact that two additional payments were made towards covering my principal and interest in the amount of {$950.00} on XX/XX/XXXX and XX/XX/XXXX. These payments were made on my behalf by a XXXX program sponsored by my county for people affected by the pandemic. Furthermore, my account has a surplus payment as LoanDepot never refunded the difference of the amount it withheld for my XXXX property taxes. They erroneously overcharged my account twice for the same XXXX  XXXX tax. I have made multiple inquiries with them and they keep saying that it is under review. They sent me the wrong forms for mortgage assistance which I understand ought to be completed only after a covid-19 forbearance elapses. By XX/XX/XXXX if they do not roll over the excess payments in my account to cover XXXX 's mortgage and/ or place my account in the COVID forbearance, it would negatively report as a delinquent account and this will harm my credit worthiness. LoanDepot is purposely doing to damage my credit and to find a devious way to possess my property if not stopped. I have never failed to make payments on my mortgage or been in this precarious situation.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-14
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)

The law under 15 USC 1681 A2 ( i ) Consumer report does not include ; report containing information solely as to transaction or experiences between the person making the report. Late payments are illegal as per the Federal law.
Consumer complaint received 2022-02-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX / XXXX / {$18000.00} XXXX XXXX XXXX / XXXX / {$7500.00} DEPTEDXXXX  / XXXX / {$0.00} USDOE/XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-07-13
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I XXXX XXXX XXXX filled out an application for the XXXX XXXX XXXX on XX/XX/XXXX for my son XXXX XXXX. On XX/XX/XXXX I asked about the lease being signed by my son with his name and not mines and told them that was illegal. They allowed him to move in without my signature. My son moved out of the apartment due to multiple rent increases. When we both went and turned in the keys to the apartment and I had the new manager look at the lease and she noticed as well that my signature was not on the lease. Now the collection agency refuses to give me a copy of the lease and saying my signature is on it. Genesis Credit Management LLC is continuing to report false information under my name to all 3 credit bureau. I called again on XX/XX/XXXX and the man was very hostile with me. I need both companies to be looked into for falsely giving out my information to obtain financial gain.
Consumer complaint received 2022-02-14
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-24
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX Balance : {$700.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$200.00} XXXX  Balance Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX XXXX Date of Inquiry XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-02-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX