davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
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. (FL)

For a little over a year now, we have been actively challenging the credit bureaus to investigate inaccurate information listed in my credit report. We have asked for methods of verification, proof of signed documents that ties me to the Public record in question as well as the negative accounts associated with the public record. Transunion has always sent the same response that the public record is reporting accurately. Well, this is false. My records show that the public record was last updated on XX/XX/2019. Transunion, you have stated for months that the public record/bankruptcy was last updated on XX/XX/2019. This is inaccurate and the proof will be attached. Asking for immediate removal of this public record as it is not reporting accurately as it should be. If you have the original information in hand then you would know when the case last updated. But you dont, therefore, its inaccurate. 

Also, TransUnion you were sent a copy of my drivers licenses and a utility bill for purposes of identification. You have continue to send the updated credit reports with the name XXXX XXXX. Who is XXXX XXXX? I feel that I am a victim of a merged or mixed file and I DEMAND immediate removal of the public record and the negative accounts listed on my credit report as they are unverified. Based on YOUR credit reports, you are telling me that those accounts and the public record belong to XXXX XXXX and not XXXX XXXX XXXX. 

I have been denied credit, housing and have been humiliated because of you. When someone pulls my Transunion reports they see a totally different person than the actual person applying. Therefore, they have denied me for credit, housing, etc because of the mixed or merged file you are falsely showing. 

I have kept all correspondence, credit disputes in a file and am prepared to show a judge and a jury this egregious mistake you have made. I will not be able to move forward in life until this mistake is fixed. 

I demand the following : 1. Immediate deletion of the public record ( XXXX XXXX XXXXXXXX XXXX # XXXX 2. Immediate deletion of XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX, and the removal of the merged or mixed file containing XXXX XXXX. My name is XXXX XXXX XXXX, not XXXX XXXX. 
XXXX. {$1000.00} per FCRA violation listed above. 

Failure to remedy the above will force my hands to seek legal action against your company. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: A.R.M. Solutions, Inc. (CT)

Arm Solutions has called me and wife and threatened court actions with a paid off judges in their back pocket named XXXX XXXX and XXXX XXXX. They are claiming that I owe money to XXXX XXXX or a company that I have overpaid for work that they did not complete and this fraudulent collections scam is a preemptive attempt to use the system and manipulate it for avoiding money that is owed to me by XXXX XXXX. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Inactive modal What would be a fair resolution to this issue?

ARM collections pay the standard {$1500.00} time 4 or {$6000.00} for just a fraction of the calls after company was repeatedly told to stop threatening me and wife with legal action and the ruination of credit for a fabricate and manufactured debt that is done with pre-meditation and preemptively in order to overcome the actual, real, and understated debt owed to me by XXXX XXXX for services paid for that XXXX XXXX did not deliver on.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NC)

2 weeks ago I received letter from comenity bank ( XXXX XXXX store card ) asking me to send them copies of my s.s. card, driver 's license, passport ... .. because of suspected fraud. ( I got a new s.s. # last year because my original one Has been issued to 2 people by mistake 20 years ago ... the social security administration exclaimed ) so I am very careful now, I am building my credit again in my XXXX age. I am paying everything on time, doing the right things ... so I called the comenity bank and the man on phone was talking very down to me. ( When i got the store card last year i called the number on the back of the card because I couldn't make an account on line to pay the bill, the nice professional man who picked up was in different country which now putting two flags up ) It's hard to send my identity to this company so I called two days ago again to find out what kind of possible fraud is going on " on my side '' and to close the account because it makes me uncomfortable. This time I spoke to a lady, she asked for the last 4 digits, address, phone number to make sure I'm the card holder but she couldn't give me any answers about the possible fraud. So i asked her to close my account, she put me on hold to speak to her supervisor, then she told me that the account will be automatically closed after 30 days if they didn't receive all my copies. 
I am very worried that their action will mess my credit because I have XXXX balance with them but on my credit report its showing I'm using 30 % of the limit. 
It's really stressing me out that they can destroy my credit. If I would at least not paying on time but I do. I am worried that they tried to steal my identity because they see I was doing good ... .but because I am not letting them to have all my copies they will just destroy me. 
It's scary to open store card and end up with some unknown bank from overseas instead. They want to keep a secret about fraud on my account, with my name, my s.s #, they dont want to share with me fraud about me, they are not legit to me.
Consumer complaint received 2020-05-07
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$1100.00} XXXX  XXXX  XXXX {$130.00} XXXX XXXX XXXX {$430.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$680.00} XXXX   XXXX  XXXX {$370.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX {$1600.00} XXXX   XXXX {$19000.00} XXXX XXXX XXXX {$330.00} XXXX/XXXX  XXXX {$530.00}
Consumer complaint received 2020-05-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine.  None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-06
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: Experian Information Solutions Inc. (MD)

XXXX XXXX took an incredibly long time to send me my final bill, at a new address after I moved. The balance ( {$85.00} ) was sent into collections. Upon finding this out, I immediately contacted XXXX to pay the balance. I was assured that it would be removed from my credit report within 30-45 days, since the balance was paid in full. That was approximately 24 months ago. I have contacted Experian as well as XXXX, who have been extremely unhelpful and told me " you should have paid your bill, this won't fall off until 2024 ''. I have excellent payment history without a single missed or late payment on ALL of my accounts. This derogatory entry on my credit report is keeping my score under 700, and causing me the inability to secure financing much needed for my small business. At a time like this when so many are unemployed and my business needs all the help it can get, I am unable to secure a loan because of this. I would greatly appreciate any help in removing this from my credit report!! Thank you so much!
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My credit card company close one of my credit cards because there was a security alert on my identity and they wanted me to send in my identification. This is in 2020 when the covid was fully just started and the only option they would give for me to send them my identification was to mail it through the post office I had just went on for a little at work, and I didn't want to go out and have to go stand in line at the post office. So they didn't give me any other option to send my identification and so therefore they close my account. It ruined my credit. And after a month I kept on complaining and trying to send them my identification finally they let me email it to them and everything was fine. Then they kept on sending letters and calling me and asking me to reopen my account but they already ruined my credit. So finally I let them open XXXX of my accounts because I had XXXX. So I let them open the one with the lowest credit limit which was a {$300.00} limit. They send me my new card and we're doing just fine I go to check my credit report and they're reporting the wrong credit card with the wrong account on there and the credit limit is a {$900.00} limit I complain about it and they do nothing about it I log on to my account online. and it's the right account online they're sending me the bill I'm paying the bill every month they're sending me the right bill but they're reporting the wrong account to the reporting agency. And continuing to ruin my credit saying I'm delinquent payment every month. and my problem is experien will not take it off they've been reporting it for XXXX  years. I have proof that they're reporting the wrong card I have a email from XX/XX/2020 saying I paid a {$250.00} payment and if you look on experience credit my credit report it says that month XX/XX/2020 that I was delinquent XXXX days I wasn't it's the wrong account they're reporting so can you guys help me. The document I'm uploading is sending in has the right account number and it's showing that I paid the payment in XXXX of 2020
Consumer complaint received 2022-10-10
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. (GA)

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 Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (MO)

In accordance with the fcra the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c.1681 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 XXXX # XXXX XXXX XXXX # XXXX 15 usc 1681 section 602 ( a ) states I have a right to privacy.

15 usc 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish a account without your written instructions.

15 usc 1681 ( c ) ( a ) ( 5 ) section states no consumer reporting agency shall make any consumer reporting containing any of the following items of information any other adverse item of information other than the records of convictions of crime which antedates the report by more than 7 years.

15 usc 1681 c-2. ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or gas reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was hired by an employer under the name XXXX XXXX who was referred to me by a company called XXXX XXXX XXXX. I applied for that job on XXXX. When they said that position was filled they referred me to apply for XXXX because she needed a XXXX XXXX. I started Monday XX/XX/20 and she mailed me a check for {$2800.00}. She advised to deposit into my personal account ASAP and keep {$200.00} for myself. I confirmed it went through XX/XX/20. Immediately she had me go to XXXX to purchase XXXX USD of XXXX money orders and have them shipped to a address she provided for priority shipping for an additional {$52.00}. Now today XX/XX/20, the check has bounced and all that money was charged to my personal account. They scammed me. Ive spent countless hours on the phone with Bank of America and they will not file a claim and refund me my money since they do not deem it as fraud. Ive had a long relationship with this bank and they are holding me responsible for being scammed and wont reverse the charge. They are the absolute worst bank.
Consumer complaint received 2020-05-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Midstate Collection Solutions, Inc. (GA)

I have NO contract with this debt collection service the original debt was discharged and balance was paid by Medicaid which I have had for 20 years. I am a secured Party Creditor and I have tried contacting the company and it's CEO XXXX XXXX via email and mail requesting the following : " I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under  penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti- Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give you ten ( 10 )  days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your failure to provide the aforementioned documentation within ten ( 10 ) days, from the above date of this notice, to validate the alleged debt, will constitute your agreement to the following terms : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organisation permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under XXXX XXXX 's XXXX XXXX XXXX. '' They have yet to respond or remove negative remarks from my credit report
Consumer complaint received 2022-06-30
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX opened XX/XX/XXXX, and XXXX XXXX  opened XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States a consumer reporting agency can not furnish account without my written instruction.

Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA.

Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information
Consumer complaint received 2021-08-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.