davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX Re : Notice for Proof of Claim Account : TRANSWORLD SYSTEM INC # XXXXTo Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you ( TRANSWORLD SYSTEM INC ) and XXXX METROPOLITAN HOUSING AUTHORITY that gave you the right to enforce a claim upon my person for this debt.
Consumer complaint received 2020-05-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: eMoneyUSA Holdings, LLC (MO)

This is the second time I have I've dealt with this company. I spoke with XXXX from Emoney USA and advised her that they are reporting me late on my XXXX credit report. They said they were going to fix it. but they have not. HOW!!! when I am paying on time and I have my receipts to show it. How can it say paid as agreed and they are showing me 60 days late this is killing my credit scores and they need to delete it I have included all the docs necessary to get this account deleted or the lates reverse? I make payments every month. I need help with this. They are violating my rights.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested my credit freeze be lifted on XXXX in order to allow me to apply for financing for a large purchase. Myself nor the lender have been able to pull my TransUnion score up to this date. The lender is receiving a response from TransUnion indicating that the account is frozen. The lender only uses TransUnion so i have been unable complete the transaction. I am about to lose out on the opportunity to take advantage of a promotional interest rate that expires in 5 days. TransUnion 's website says there is an error when trying to lift the freeze and gives no option to resolve the issue other than calling a customer service number. I have called this number several times. The department that initially answers the call is unable to assist and attempts to escalate to another department. I have never been able to actually speak with this second department despite waiting on hold over an hour in some cases.
Consumer complaint received 2020-05-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

I send a amount or {$2000.00} dlls to an account to XXXX via money gram, they supposed to send me to a personal bank account and never received the money, i send the money in XX/XX/2020., i call in XX/XX/XXXX in XX/XX/XXXX th they open a investigation case and told me in a month i eill have any response but its almost 2 months and didn't received any notification ... call them in XX/XX/XXXX and don't gave me any reason ... im very frustrated because my money is in limbo..
Consumer complaint received 2020-05-26
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)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

To whom it may concern : I went onto XXXX  the other day, : & found a collection account with XXXX XXXX XXXX XXXX XXXX. 

I have had no business with this vendor in all my years ; and I shared this fact with the gentleman at Enhanced Recovery Collection : I have had no correspondence from XXXX  XXXX XXXX XXXX, nor have I heard of this collection agency According to ERC/ collection agency this is an account dating back to XXXX Again, if this account is owed by someone. It is not me.
Consumer complaint received 2020-05-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PMAB,LLC (NC)

I received a letter from PMAB , LLC dated XX/XX/2020 ( see attached ), listing several outstanding old medical bills in the about of {$7400.00}. I called PMAB on XX/XX/2020 to inquire about these bills. I spoke to XXXX who told me the bills were in my name and needed to be paid " now '' or it will hurt your credit rating. I asked her to send me verification which I received a letter ( see attached ) listing all the bills dated XX/XX/2020 with a new amount of {$8200.00}. On XX/XX/2020, ( without admitting recognition of the debt or acknowledgment of the liability ), I sent ( see attached letter ) a letter agreeing to settle the debt for {$820.00}. The letter clearly states I asked for a response in 15 days from the receipt of the letter. 

Then on XX/XX/2020 I received an email from XXXX XXXX saying there has been new activity on my credit report. When I checked my report every single medical account from PMAB that was not previously on my credit report is now showing up on my credit report as owed. 

To date, I have not received any response from my settlement offer dated XX/XX/2020.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (GA)

on XX/XX/2019 i recieved an iquiry from AMEX. I didn't authorize this transaction.I disputed the inquiry for deletion but nothing was done about this inquiry.I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail. 

on XX/XX/2019 i recieved an iquiry from XXXX XXXX XXXX. I didn't authorize this transaction. I disputed the inquiry for deletion but nothing was done about this inquiry. I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail. 

on XX/XX/2019 i recieved an iquiry from XXXX XXXX XXXX I didn't authorize this transaction. I disputed the inquiry for deletion but nothing was done about this inquiry. I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail.
Consumer complaint received 2020-05-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (NH)

Heartland Ecsi. payoff amount is {$5400.00} plus XXXX in interest due. I was several months behind on a personal loan unknowingly I thought I was in forbearance. I sent in a request to forbear up to the total amount owed. I was told I had enough to forbear until the end of May.The forbearance was approved but they did not cover {$730.00} dollars due by XX/XX/XXXX. I have called several times asking abut the referral and they said they were still waiting on the approval, So today I conducted a chat with XXXX. he told me I was placed in forbearance XXXX. That I have used the amount of forbearance allowed. The amount of my dues will not clear to XXXX and that interest has accrued can be paid monthly or in one lump sum with your first monthly dues. The Care act does not apply to this loan. I told her I can barely cover any bills at this time due to losing my art time job. She said unfortunately we can only provide the options under the loan terms of your school. I then asked if this was a federal loan, she said yes then corrected herself that it was an institutional loan. I was given no options and given five days to pay {$770.00} dollars I do not have, It is a small loan. It should be under XXXX a month. I can pay that. I have been getting the run around for sometime. I receive no emails, letters or paperwork monthly. I was given no options nor would they budge.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Submitted a complaint with you today ... # XXXX all of a sudden they responded but want me to pay {$24.00} per month to view the report. Seems to me that this is extortion.
Consumer complaint received 2020-05-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

COLLECTION AGENCIES DEMAND PAYMENT ON ACCOUNTS OUTDATED PAST STATE OF CALIFORNIA STATUE OF LIMITATION 4YRS OPEN ENDED/ CREDIT CARD ACCOUNTS ... SINCE XXXX XXXX, 2015 OVER 5YRS OLD AND NOT MY ACCOUNTS/ NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX/ CXXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-26
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)

This account was opened fraudulently. Under the FCRA and fdcpa, i have the right to request detailed information from the creditor proving the account is mine such as :! ) I am entitled to see the source of the information, which is the original contract that contains my signature. 
2 ) An explanation of what the money owed is for.

3 ) An explanation of how the amount owed was calculated.

4 ) Copies of any agreements signed obligating you to pay for the debt.

5 ) Provide copies or other verification of any judgment ( if applicable ).

6 ) Prove that federal and state statute of limitations applicable to the debt have not expired.

If such information is not provided within 30 days, the account has to legally be removed. Only if such information was presented can experian reject my dispute as frivolous. In addition, extra documentation was provided on my end and they still rejected it as frivolous. Although I have no knowledge of said account, I paid it in full and documentation was provided to experian and they still rejected the dispute. Please remove immediately or I will be forced to take legal action.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally file a complaint against TransUnion regarding their handling of my recent credit report dispute. On XX/XX/, I submitted a dispute letter concerning two specific items : a XXXX  XXXX Bankruptcy with Reference # XXXX and a paid charge-off account under the name XXXX XXXX, with the account number XXXX. My concern arises from the responses I received from TransUnion, dated XX/XX/, and XX/XX/XXXX XXXX  both of which accused me of using an unauthorized third-party and subsequently declined to investigate my disputes. Astonishingly, this pattern of response is consistent with a prior dispute I submitted on XX/XX/. What deeply troubles me is that, despite my multiple attempts spanning over six months to resolve these credit report inaccuracies, TransUnion has consistently delayed or refused to investigate, despite the disputes being submitted directly by me and my diligent provision of identification documents, including copies of my ID, proof of address, and social security card for proper verification. Given this persistent lack of response and action, I am left with no recourse but to demand the permanent removal of these two items from my credit report. Furthermore, I wish to provide additional context regarding the XXXX XXXX Bankruptcy with Reference # XXXX. This entry is notably incomplete, lacking essential information in the Asset Amount, Liability, Exempt Amount, and Remarks fields, rendering it unreliable and misleading. Additionally, I've taken the initiative to contact XXXX, the vendor employed by TransUnion to obtain public record information, only to discover that they are unable to authenticate my identity or locate a record for me. This raises serious questions about how TransUnion can continue to report this bankruptcy on my credit profile. Furthermore, my repeated attempts to contact XXXX XXXX since XX/XX/XXXX  have yielded no response, rendering the information regarding this account unverifiable.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I reviewed my Consumer Reports and noticed that there were inaccurate account ( s ) on my credit report Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MD)

A credit card was fraudulently opened in my name on XX/XX/1999. I was XXXX years old. Chase bank issued a credit card to a XXXX year old. I discovered this when checking my credit score for the first time. Today, I received a text from Chase to reset something on the account. I have tried contacting Chase in EVERY way, and they will not respond to me. I have called every number listed on their website, and each one requires an account number to speak with anyone at all. I literally can not talk to the fraud department without an account number that I obviously do not have. I have tried reaching out to them on social media, and they have not responded. I would prefer that I don't have to go to a physical location during a pandemic. 
Chase has an obligation to let me notify them of fraud within their own business! It has been made clear to me that they will only speak to you if you are an existing customer, and they don't care if someone fraudulently opens an account because there is no way to talk to them about it.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report.

According to 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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