davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc. (UT)

I took my son to the emergency room with XXXX XXXX XX/XX/XXXX. My son is double insured with XXXX and Medicaid. In XXXX of XXXX I did a credit check and seen that this was on my credit so I called NAR thinking this was my fianc bill found out it was for my son. They told me there was nothing I could do since Medicaid did not pay the bill now I have to. I made 2 payment under that statement and was going to pay off when I taxes. However this was sent to XXXX XXXX attorney for a lawsuit. After doing some research and calling Medicaid and the original debt owner I found that the bill was paid by Medicaid within 3 months after this incident. I sent the call recording of XXXX XXXX saying I didnt owe the bill after months of communicating with them finally got a itemized bill showing I did not owe the bill. I also got a estimate of benefits from Medicaid showing that the bill was paid as well. I then called XXXX to verify that they got the information and was told that the original bill owner is still saying I owe the bill. Im not sure what else to do at this point. I do believe this is 1 insurance fraud. 2 unfair debt collection.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (PA)

Currently, XXXX, Equifax and XXXX are reporting a Bankruptcy XXXX XXXX. I initially sent a letter to all three bureaus on XX/XX/2022, asking if this Bankruptcy could be validated. While waiting for a response I reached out to the Bankruptcy Court and asked if this information could be verified. In turn I was was advised by, Bankruptcy Court does not share or report information with XXXX, Equifax or XXXX. Because I understand it takes time to process a validation requested, I waited until XX/XX/2022 to send another follow up letter. I had received no responses, therefore I requested for XXXX, Equifax and XXXX to provide any supporting documentation that would validate this bankruptcy. Yet again I still received not responses. I sent 2 additional letters on XX/XX/2022 and XX/XX/2022 requesting the bankruptcy be removed from all three bureau 's as none of this information has been verified. Furthermore there were also several student loan late payments and collections accounts on my report that incomplete and inaccurate reporting. As far as the Student loans, I had sent several letters dated XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I noticed there were several late payments indicating I was 120 days late however the previous month I was on time. How can you go from on time to 120 days late within 30 days. This is not accurate and should not be reporting. I have sent four letters asking for validation and i have not received one response, or proof supporting the reportings. Lastly there had been some collections added to my report i had no knowledge of and again i requested for these documents to be validated and i haven't received anything. i have attached all the letters i have sent.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

1 ). This complaint is not a duplicate complaint of any previous complaints at CFPB ; and this complaint is the continuation of the previous two complaints with the complaint IDs XXXX and XXXX. 
2 ). I successfully paid the {$8400.00} to my American Express credit card in XX/XX/2018 ( the payment confirmation from XXXX XXXXXXXX is attached ) but American Express wrongly missed the payment ( the payment activities from American Express are attached ) and intentionally ignored all my disputes with that missed payment, and then hired several different collection agencies to harass me and wrongly added delinquency to my credit report. 
3 ). In its response for the complaint XXXX, American Express again provided fraudulent monthly statements to show that my {$8400.00} payment was not missed and was applied to my American Express credit card but ignored the payment activities I submitted in that complaint. Much worse, American Express falsely stated that we are unable to confirm the payment information on your online payment center, as we do not have access to your online account, but all those payment activities were from American Express, and I got them from American Express website on XX/XX/2018. Its weird that American Express provided the fraudulent monthly statements that do not comply with the payment activities and falsely denied it has access to those payment activities from its own system. 
4 ). Therefore, I hope American Express could be penalized for providing fraudulent monthly statements, wrongly missing my payment, intentionally ignoring all my disputes, repeatedly harassing me through collection agencies, and wrongly adding delinquency record to my credit profile.
Consumer complaint received 2022-08-19
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 XXXXXXXX Date Opened : XX/XX/2014 Balance : {$4600.00}
Consumer complaint received 2022-08-19
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. (NY)

My name is XXXX 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 2022-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I received a phone call from Wakefield and Associates ( XXXX ). They did not leave me a voicemail but because I am a debt collector, I recognized their name and called them back. They informed me that I had been turned in to collection for a bill from XXXX XXXX ( aka : XXXX XXXX XXXX XXXX ). This was considered pre-collect so I promptly paid the bill. I have never received written notice from Wakefield and Associates. I called them to let them know that this was paid and they have refused to give me more information so that I can submit proof of payment. I have requested email addresses and they continue to give me fake emails that get returned. They will not give me a billing address and they have not sent me any mail. They've informed me that this will get reported to the credit bureau. I've attempted to call the company where the debt originated and I am routed to their billing department outside of the country. I have paid this debt. I have proof of payment. But no one will give me an opportunity to provide my receipt.
Consumer complaint received 2022-08-13
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX  has placed an account on my report which does not belong to me. They have no documentation of me with an XXXX  account. Instead the want Me to pay a settlement. I have disputed the with Equifax which has had no help. Im seeking help to ATLeast have XXXX send me some documents proving this is my account. Which I know it is not.
Consumer complaint received 2022-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand written instructions.
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (IL)

From : Cash App Support XXXX Sent : XXXX XXXX XXXX XXXX XXXX XXXX  To : XXXX XXXX Subject : General Support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hi XXXX, My name is XXXX, and I am the manager at Cash App Support. I understand that you are having issues with your account. Thank you for bringing this case to my attention. 

We are legally required to collect the full XXXX digit confirmation per FDIC guidelines, and to confirm it is really you who owns this account. This information is not requested for checking credit and other related operations. 

To note, submitted information is encrypted to our servers securely, regardless of whether youre using a public or private Wi-Fi connection or a data service on your device. 

Hi XXXX, If you do not have an SSN, you can continue to send and receive up to the amount listed in your Cash App ; however, you might not be able to verify your account to send or receive more than these limits. 

We currently do not have an alternative method to verify your account. 

Since you will not be able to provide the information needed to send this payment, the payment was canceled. 
If you have any other questions, feel free to reach back out to Cash App Support. 

Warm Regards, XXXX Cash App Support Manager If you do not have an SSN, you can continue to send and receive up to the amount listed in your Cash App ; however, you might not be able to verify your account to send or receive more than these limits. 
WE HAVE NOT BEEN ALLOWED TO SEND ANY AMOUNT THE AMOUT LISTED ON OUR CASH APP IS {$14.00}
Consumer complaint received 2022-06-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Frontline Asset Strategies, LLC (SC)

Dates XX/XX/2022 and XX/XX/2022 Front line Asset Strategies continues to call me concerning a debt from other creditors, with a former creditor being listed totaling over {$1900.00} which I had no contact or knowledge of, saying if the debt is not paid it will be turned over to an attorney for collections. But it can be reduce to {$1200.00} if arrangements are made.
Consumer complaint received 2024-11-19
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. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-08-19
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. (NV)

I have attempted to resolve an incorrect reporting with the CRA numerous times and they have failed to DELETE an inaccurate account. They also allow the CRS to report on an account that has multiple inaccurate late pays and on an account that is at a {$0.00} balance and they don't even own anymore. This account XXXX XXXX was transferred to XXXX XXXX  as part of an agreement in XX/XX/2022 where XXXX bought all XXXX Extra Points accounts ( good or bad ) from XXXX. Yet, XXXX still reports this account that they own it and the CRA refuses to delete it. I am including a {$0.00} balance letter from XXXX that they own the account and not XXXX.
Consumer complaint received 2022-08-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Texas XXXX SSN : XXXX | DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Texas XXXX SSN : XXXX | DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 


Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly? 

Inaccurate late payments like this are not only embarrassing, but they are preventing me from obtaining credit that I'm trying to apply for. I've already been in talks with some experts who have informed me that there are laws to ensure that credit bureaus only report accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part or both. 

I take this very seriously and I'm not going to stop contacting you until you remove this wrong information. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. If it isn't done fast, I'm going to have to research what legal options are available to me against both you and the creditor. 

Regards, XXXX XXXX