davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
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. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2020-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (MD)

Several months ago I was made aware of a XXXX XXXX credit card opened in my name. I finally cleared it up just to find out that it was a XXXX XXXX account in my name from the same company. I have contacted XXXX XXXX several times and they are refusing to accept any information about this fraudulent account.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

The company XXXX been contacting me since early XXXX I was dealing identity theft since XXXX for card opening and loan was opened by someone that used my ID and name And company refused fix my issues since XXXX Only want me to pay XXXX dollars even if I didnt open account and someone else opened about. With my ID, social security, email and private information I had issues my identity for XXXX years and money lion refuse to fix issue only seek damage to credit and money. 

I would like this account removed from credit report since it fraud opened and I was not XXXX who opened this acct XXXX ladies under names XXXX XXXX, XXXX and XXXX are ones responsible doxxing my info and opening my acts and using my credit cards and personal information without permission including opening cards with my ID and social They obtained my information through XXXX. 
Depsite reporting them to police and federal trades. XXXX XXXX  refuses to close matter and remove acct from my credit report and damaging credit only seeking money to fix issue which is wrong. I was told police not to give further information company XXXX years ago XXXX when I received another email of company trying communicate me for dame matter but refuse to fix issue only seek money to fix issue even if this issue was done by identity theft and fraud done by someone else with my information and name. I was told I had a card an loan open but I told them the loan was opened by XXXX pppm who used info and company refused to close or remove acct from credit report even i told credit bureaus all calls I received after they also asked for my personal I do this horrible company.i would like to state I was sent a email that the acct was closed but they still seeking a balance even if I disputed I shouldn't be paying for fraudulent loan and card opening by someone who posed and impersonated as me using my information from XXXX.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Contacted Transunion in reference to a bankruptcy case that was filed not of my doing after being told that they received their information from XXXX I contacted them and they did an investigation and sent me a letter stating it was removed from their system, again contacted Transunion and provided a copy of the letter from XXXX with whom they said they were verifying information with. Transunion went further to say the letter from XXXX wasnt sufficient for them and although the date of birth nor was the address where filed mine they say they contacted XXXX and put in the case number so it was mine. I asked that they provide and was told they didnt have to and to quit disputing it and wait until XXXX when it will fall off, I was told its not that long and even if I disputed it again it would be considered frivolous and they would not have to investigate it. Which I thought that goes against the fair credit act and that they are not investigating it. When I contacted the bankruptcy court I was told they dont provide information to any credit bureaus so if thats so how is a third party not hearsay, because if they were not there or have first hand knowledge how can it be accurate?
Consumer complaint received 2022-12-13
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. (MI)

New and updated information Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FIAR CREDIT REPORTINGACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681is-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the late payments from my consumer report this agency is in violation of 15 USC 1681
Consumer complaint received 2020-09-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners (VA)

On XX/XX/2020, XXXX XXXX XXXX sent a notice of a debt of {$1300.00} owed to XXXX XXXX XXXX - XXXX, and on XX/XX/2020, I called the number listed ( XXXX ) and spoke with an agent, notifying him that this bill was not submitted to insurance nor billed to us directly. He said they would see that the bill was submitted properly. The next notice I received was from Affiliate Asset Solutions ( AAS ), in XXXX XXXX, Georgia, on XX/XX/2020, stating that Pendrick Capital Partners II had purchased the debt from XXXX XXXX XXXX - XXXX. I called the number on their letter ( XXXX ) on XX/XX/2020, and also informed their agent of these facts. She told me that my insurance company needs to contact their office. I informed her that that is not how insurance works ; that the company providing services needs to submit to insurance. Their agent hung up on me. On the same day, I sent a letter detailing these facts to AAS and informing them, " We will be happy to pay the amount we are responsible for after our insurance company ( XXXX XXXX  ) has processed the claim. We do not accept responsibility for any amount over our normal responsibility that is due because of failure to file with our insurance in a timely manner. '' In response they sent a bill from XXXX XXXX XXXX - XXXX and did not address the issue of insurance processing. 

On XX/XX/2020, I sent AAS another letter and cc-ed the other parties involved ( Pendrick Capital Partners, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ), again informing them that we will pay what is our responsibility to pay but not any amount over that due to their failure to file in a timely manner. In response, they sent an offer to resolve the account for a one-time payment of {$890.00}, which is still 4-5 times or more what I would expect to pay if this bill had been properly processed.

My insurance company still shows no claim processed from this provider. I expect it is far too late for them to receive any payment  through them, which is why they have not processed it. They refuse to respond to that issue, nor have they sent me a reasonable amount with which to settle. None of their correspondence has included any names.
Consumer complaint received 2022-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

" Midland Credit '' continues to harass me with at least one call every day, including weekends, evenings ( up to XXXX XXXX ) and early mornings ( before XXXX XXXX  ). Caller ID identifies the caller as " Midland Credit '' however a different number is used every time, making it impossible to block the calls. I have previously told them to stop calling me, however they continue to call. 

A few of the numbers that I received this call from are below. It is not exhaustive because they use a different number every single time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX If there is a debt owed, Midland Credit is not the original owner of the debt. I have contacted companies I have owed money to and made attempts to resolve through them. Midland Credit may have been sold a debt and will not stop harassing me.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/21 I made two XXXX  XXXX  payments to two DIFFERENT people, two DIFFERENT names, same amount ( {$100.00} ). On XX/XX/21 I noticed one of the transactions was dropped, and {$100.00} added back to the account. I IMMEDIATELY called Bank of America. They insisted XXXX XXXX had done this. Contacted XXXX XXXX they stated they had not. Called B of A EVERDAY. contacted XXXX XXXX EVERYDAY, finally placing a so payment on XX/XX/21. Suddenly BofA PAYS, sending me an email ( same day ) saying it takes 3 days for stop payment. Adding insult to injury. BofA now says ( XX/XX/21 ), " oh yeah, it WAS us that canceled the payment because it LOOKED like a duplicate. Sorry if you were given the incorrect information ''. Did I mention the transactions had two DIFFERENT names??? Why wasn't I contacted, asked, prior to then deciding what was going on with MY monies. Now I'm in arrears. They kept insisting it was a XXXX XXXX problem, when it was a BofA problem. What Is a consumer left to do??
Consumer complaint received 2021-07-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc. (FL)

I am being harassed with non-stop mail in debt collection requests at my parents house as well as phone calls by several debt collectors. I am under a lXXXX XXXX  and am deemed XXXX XXXX XXXX and " do not have the right to contract '' this includes taking out any loans or credit cards without my guardians consent. Also, by court order under Florida law this is ordered by a circuit court judge. Any passed debts I owed are now deemed legally obsolete by Florida law under Florida statute XXXX incapacity as I did not know what I was doing at the time of taking out any credit cards and/ or my legal guardian is responsible for paying debts not me. I have tried to reason with the debt collectors and almost all have released the debts while only 2 others remain harassing me and illegally are trying to collect a debt of a deemed adjudicated mentally incapacitated man by court order. The names of the creditors are below. I also had my identity compromised and information is listed on the dark web according to experian credit bureau. I did not open a capital one credit card in XXXX unlike XXXX XXXX is trying to claim. Regarding UCB Collections that debt is a medical debt responsible for by my health insurance in XXXX. If the creditors do not remove the debt immediately my guardian will sue them for harassing and unfair practices as a debt collector. 

UCB Collections : XX/XX/XXXX - Present. 
XXXX XXXX : XX/XX/XXXX - Present.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by ( American express and XXXX XXXX ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( American express and XXXX XXXX  ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( American express and XXXX XXXX  ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( American Express and XXXX XXXX ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2022-09-21
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-05-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (IN)

First off, I read in the newspaper that I was being sued by a debt buyer that I had never heard of, then I had a court document delivered by local sheriff of a request for default judgment request. 

I had never received any letter from this debt buyer. I contacted the court and advised I had not received any letters and that I requested an actual hearing. 

The debt collector submitted a signed affidavit that said a letter was mailed via first class mail. No tracking info could be provided. 

I asked for proof of ability for them to sue me or ownership of the debt. They sent some papers that showed they bought a bunch of debt from XXXX XXXX. Nothing that showed me or any account directly associated with me. 

We appeared in court and the judge agreed the information provided was not supportive of showing any ownership, thus not granting the default judgment they requested. However, they continue to report this on my credit report after many attempts to have it removed. 

Secondly, the information they are reporting is inaccurate. I never obtained a loan directly from XXXX XXXX and the only loan I can possibly associate with it, is from XXXX and the account numbers are the same l, but the dates do not match. 

The debt buyers date is listed as after the possible loan.
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (TX)

XXXXAccount Name : XXXX XXXX XXXX Account Number : XXXX Amount owed : XXXX Date : XX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-11-14
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. (MN)

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX  XXXX these are the fraudulent accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (NM)

Good afternoon, I was contacted by cell phone by a representative from Lexington Law Firm in XXXX of this year regarding financial advice in helping to resolve consumer debt. I agreed verbally at the time to sign up for a five day free trial of their services, but contacted the representative immediately after having performed an internet serach of said law firm, having discovered that they have a terrible on-line reputation, according to their customers. I immediately called the representative and clearly stated that he was to cancel this subscription during the trial period, because I discovered their ill-reputed reputation online. He agreed. On XX/XX/XXXX of this year, I discovered that Lexington Law Firm made a compleletly unauthorized draft in the amount of {$160.00} from my checking account at XXXX XXXX XXXX. I made telephone contact with them, and after having spent an hour trying to convince a paralegal ( who is not registrered as such by the state of Utah ) to transfer me to a supervisor, which he did. XXXX XXXX, with LL, sent me an email confirmation of the refund, which I have uploaded to my complaint. The refund was promised as was written, by today, XX/XX/2023. I have not received the refund. I was able to contact several " supervisors '' at this firm today and reached XXXX XXXX, who admitted that the refund had not been processed but would do so XX/XX/2023, which would take another 3-5 days to process. I feel lied to by XXXX XXXX, and am wary that the putative refund to be processed today will ever appear in my checking account. I was treated very rudely by earlier personnel with whom I spoke, who insisted I was a " member '' despite my refusing the subscription in time and blew me off during he conversation. I was finally able to contact another supervisor and am attaching her email response as well. Tomorrow, if the funds aren't in my account, I intend to file a dispute with my credit union. I have already filed a complaint with the state of Utah Consumer Protection Division. What concerns me the most about my experience with this outfit is XXXX ) A pending lawsuit accusing them of violating the Telemarketing Sales Rule, which bans upfront fees for credit repairing services before any services have been delivered. XXXX ) A promise to have made a refund of money by today 's date, XX/XX/2023, which has not occurred. XXXX ) People claiming they are paralegals who aren't even licensed by the state of Utah. Because this promised refund did not appear, and I doubt what was promised to me today will ever happen as I have lost all trust with this outfit. I and my credit union plan to take legal action against Lexington Law including possible criminal charges if they are not going to honor the promised refund by the end of the business day today.