davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
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. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty : XXXX XXXX XXXX XXXX 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency.

********* This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (MD)

I recently had a late payment reported back in XXXX of XXXX that resulted an A credit limit decrease from my XXXX comenity bank credit card. Im aware that the companies do soft pulls to check the status of a consumers credit report worthiness on a regular basis. However, the late payment that was reported to my credit report earlier this year was a mistake on behalf of the company and has now been removed. I am bringing this issue to the CFPB because comenity bank refuses to restore my credit limit back to where it originally was which was XXXX. I currently have a credit limit of XXXX which has hurt my score dramatically because my utilization went from the 20s to the 90s which is an issue because I am currently in the process of obtaining financing as well as applying for new credit cards and I can not move forward with financing until my credit limit is under 30 percent. Comenity bank has no sympathy for a loyal comenity bank customer who makes their credit card bill payment every month. This issue has had a tremendous affect on me because I am trying to recover from the pandemic by obtaining financing for my business. I sent them a written statement specifying these issues and comenity bank did absolutely nothing to fix the issue.
Consumer complaint received 2022-04-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX reported 5 months of over 30 days late payment and that was not true. I was in forbearance for exactly XXXX year and i was assured time and time again that forbearance would not reported as late payments. I was never ever late on a payment before or after the forbearance. Yet they have destroyed my credit by their erroneous reporting.
Consumer complaint received 2021-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CO)

My daughter, who turned XXXX on XX/XX/XXXX, had a medical issue in XX/XX/XXXX and used a wheelchair service belonging to  XXXX XXXX XXXX ( XXXX  ), an ambulance company. Several months later, I her father, received a bill for about {$450.00} for that wheelchair use. I contacted their customer service and notified them that I was not responsible for the debt and why. They took my information and said they would investigate. About a month later I received another bill from them, and I contacted them again and explained the situation to a different customer service rep. I DEMANDED that they send me proof of the debt, knowing they would have nothing since I was not even there the night my daughter entered the hospital to sign any sort of paperwork whatsoever. They assured me the issue would be sent to their advanced investigation team.

About two months later I began to receive calls from a " Credence Resource Management , LLC '' a debt collection agency on behalf of XXXX. I explained to them on my one and only phone call the situation and that if they wanted to get wrapped up in the suit I now intended to file against XXXX, to keep attempting to collect this debt. They requested that I send an email to them explaining the situation- which I did - and their response was that they would cease attempting to contact me regarding the debt. I know the FCRA requires them to stop calling if requested, but it doesn't necessarily mean they will stop attempting to collect on the debt or foolishly begin to damage my credit. If they do, I will be reporting on them as well and initiating a suit against them for damages.
Consumer complaint received 2022-02-03
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. (TN)

I have sent letters into experian, XXXX, & XXXX. the letters are attached with the dates that they were sent via certified mail. These three bureaus have yet to update my credit report and remove these negative items.
Consumer complaint received 2020-07-05
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: EQUIFAX, INC. (GA)

I am writing to dispute the following information in my file. I have multiple hard inquiries on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX These items are inaccurate because this was accessed in a fraudulent way. I am requesting that the item be removed to correct the information. 

Enclosed are copies of the removals to supporting my position. Please reinvestigate these matters and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

XXXX XXXX I printed off a copy of my Experian credit report, through the annual credit report website. I have a collection account from XXXX XXXX XXXX already reporting on it for the amount of {$4200.00} XX/XX/XXXX, I get an alert from XXXX XXXX score of a new collection be reported on my credit report. I check and it is the same XXXX XXXX XXXX Account that was already reported on my credit report. Now being reported as a new account for the same {$4200.00} How are these clearing house allowed to do that? It is the same account. It is not new. It should not be allowed to be reported again. further damaging my score. How do i resolve this situation?
Consumer complaint received 2021-04-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In XXXX and XXXX of 2021, I filed a dispute with this credit reporting agency about the unverified collections accounts : Credit and collection services account # XXXX -- -XXXX XXXX account # XXXX -- XXXX XXXX account # XXXX -- XXXX XXXX XXXX account # XXXX. I requested a removal of these accounts for 30-days non response which is a violation of the FCRA. In those 2 months I have asked several times for a response and I have not received anything from this bureaus. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (NC)

In XXXX of 2019 I singed a employment contract with my ex employer, ( XXXX XXXX ) in which I upheld to the terms of the contract, but the contract was not forfilled by the company, and now they put it on my credit report. I am currently trying to sue this company for several reasons as a result of this unfair business practices, reguarding this unfair contract but I have yet to find a attorney to represent me. I have also tried disputing this from off my credit report with no success.
Consumer complaint received 2020-07-05
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)

I noticed fraudulent information on my credit report and promptly disputed the accounts with Transunion. They only acted by updating the dates despite being notified that no such lease was ever entered and being asked to produce such. Company is not making good faith representations and violating FDCPA/FCRA. 

In my credit dispute I noted that the debt claimed to be in relation to a lease and stated that no such lease existed, explained I lived elsewhere with a friend and also signed a lease shortly into moving in with him, and I provided a copy of the real lease of where I lived at the time that the debt collector claimed I was in another property. Credit bureau Transunion did not do any real investigation and the debt collector did not produce any lease or contract and Transunion as of today, XX/XX/XXXX.
Consumer complaint received 2020-07-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (AL)

Trident Asset Management in the amount of {$420.00} showing opened on XXXX has reported on my XXXX  Credit report and I have tried several measure to contact the creditor and the credit bureau to dispute this account as Ive stated that this account is inaccurate and not belonging to me and the only response that I get back is that it is accurate but no proof is shown. They send me copies of delinquencies etc. but no proof showing that this account is accurate nor belongs to me.
Consumer complaint received 2022-04-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (CA)

Grain technology has been blocked from my XXXX debit account for initiating unauthorized transactions varying in dollar amounts multiple times a month. Grain technology is only authorized to take one payment a month. I have spoken to representatives in regards to this issue. I only authorized the company to take one payment a month and instead they initiated payments of varying amounts. I never gave them authorization to do that. The pictures show grain technology attempts to take multiple payments which have been denied by my bank due to the fraudulent nature of these unauthorized transactions. Ive also included part of an email I sent in regards to this matter.
Consumer complaint received 2024-11-03
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. (TX)

The companies have fraudulently pulled the credit reports. They need to be removed from the credit file. They are violating FCRA 15USC 1681, a, i, e, b.
Consumer complaint received 2022-04-13
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. (VA)

The Credit Bureaus never did a proper ''Investigation '' according to the FCRA The term ''Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledgeable concerning any such items of information. 

They did not do this, Also they have violated my rights even more In accordance with the fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated by how is that possible if the open date is inaccurate the date last active is inaccurate and date last reported is not accurate this is ground for removal. 

They also violated the law because according to 15 U.S.C 1681 section 602 A states I have the right to privacy,15 U.S.C 1681 604 A section 2 it also states a customer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions
Consumer complaint received 2020-07-05
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

THIS IS ABSURB. I CANT BELIEVE THIS IS INSANE, I AM A HARDWORKING YOUNG LADY WITH XXXX KIDS. THEY ARE HINDERING MY CREDIT SUCCESS BY ALLOWING CREDITORS TO FALSIFY INFORMATION ON MY CREDIT REPORT. THE NISSAN MOTORS ACCOUNT SHOULD NOT BE ON MY REPORT, BEEN DISPUTING ITS ACCURACY AND VERIFICATION SINCE XX/XX/2020, UNDER FCRA 809AB GUIDELINES, THIS SHOULD NOT STAY ON AS THEY ( XXXX, XXXX OR NISSAN MOTORS ) HAVE NEVER SENT ME ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


THIS COMPLAINT IS BROUGHT HERE ONLINE TO MAKE SURE THEY DO THEIR JOB THIS TIME, UNDER SURVEILLANCE OF CFPB AND FTC. THANKYOU
Consumer complaint received 2022-08-06
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. (CO)

These companies violated my consumer rights by furnishing this information to my credit report without my knowledge or consent which is identity theft identified by 18 USC 1028A. They violated the privacy act of XXXX by sharing information such as my SSN which belongs to the SSA. And trying to collect on a debt which is an obligation of the United States as per 18 USC 8 which also makes them guilty of the False Claims Act. 
The companies Include : XXXX XXXX XXXX through XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount : {$310.00} XXXX XXXX XXXX XXXX through XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$7400.00}
Consumer complaint received 2021-03-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Summer class in XX/XX/2015 in the amount of XXXX Dollars. 
I am now asking for this account to be put back on my credit report. Due to speaking with my credit lawyer and also all 3 credit bureaus this will be best, because putting it back on my credit report forces them to send proof of this account which I know they can't. And upon checking all my XX/XX/XXXX email, there was never an email sent to Ms. XXXX XXXX. 

I have asked XXXXXX/XX/XXXX over and over again, to send me proof that I asked Ms. XXXX XXXX that I asked her to leave me in her class, Which they claim they did speak with her. However, MsXXXX XXXX never gave out her personal phone number and all you could do was reach her through email. So I asked for proof about that and they never responded. Instead they sent my account to collections, and the collection agency couldn't verify anything so I guess they and XXXX decided to take it off my credit report but still hold it in the collect agency file. I know I never asked Ms. XXXX XXXX to keep me in the class, because I had just lost my father. I had even dropped myXX/XX/2015spring class also because he became ill. This is stopping me from finishing up school.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (IL)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2021-03-21
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-03-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have never had an account with the following financial institution nor any account associated with their collection services. 

Number XX/XX/XXXX Date Generated General Account Info Account Name PORTFOLIO RECOVERY ASSOCIATES Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$350.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$350.00} Highest Balance {$0.00} Terms 1 Months On Record UntilDec XXXX Payment History show tooltip button Tap a month for more information
Consumer complaint received 2020-07-05
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. (VA)

There are acounts listed on my credit report that do not belong to me. There are also inquries that do not belong to me. Remove these accounts and inquiries and do not allow fraudulent info to be reported on my credit.. Please send a copy of my updated credit report. 

To remove these fraudulent acounts fom my credit report, along with these unauthorized inquiries. Please send an updated copy once these items have been removed.