davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lotane & Associates, P.A. (FL)

XXXX XXXX from XXXX, was making arrangements in XXXX to pay, payments not being applied to balance. Ordered a judgement, still tried to make arrangements, payments not applied, they increased balance. Due to job loss, COVID and previous hurricane situation, finanical situation became dire. Attempted to contact to assistance, they refused to correspond back. 
Fast forward to XXXX, a wage garnishment was ordered against me for nonpayment of a XXXX XXXX XXXX medical bill. Unknown about situation and action, as the information listed on employer documents forwarded indicated an address of XXXX XXXX XXXX, Upon XXXX XXXX records, an attempt to serve notification of supena was attempted in XXXX, but to the old address of XXXX XXXX XXXX 
No notification, no communication of situation. 
Therefore, had no knowledge or legal basis to defend and attempt to resolve from that time ago. 
Credit report shows medical bills was XXXX. 
Attempted to call and was belitted as to attempt to resolve this issue, as they increased the amount by XXXX XXXX
Consumer complaint received 2023-05-22
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATIONXXXX XXXX {$900.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$11000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$3200.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$9200.00} XX/XX/XXXX DEPT OF XXXX XXXX {$4000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$4600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$5400.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$5500.00} XX/XX/XXXX SXXXX XXXX  XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX {$21000.00} XX/XX/XXXX XXXX XXXX  XXXX {$4300.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$58.00} XX/XX/XXXX XXXX XXXX  XXXX {$2500.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXX
Consumer complaint received 2023-05-24
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-22
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. (NV)

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that TransUnion is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 -15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In generalAconsumer reporting agencymay furnish aconsumer reportrelating to anyconsumerpursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with anycreditor insurance transaction that is not initiated by theconsumeronly if ( A ) theconsumerauthorizes the agency to provide such report to such personor ( B ) ( i ) the transaction consists of afirm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.

Under FCRA15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumeras a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of the inquriy from XXXX  that is showing XX/XX/22, furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2016-10-27
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CNG FINANCIAL CORPORATION (SD)

I had a loan with Check n go and was keeping up with my payments up until almost the end of the loan. I have received a few emails from them, and I only still have one. But one of the said that they could see that I had borrowed money from them and " Never bothered to pay it back '' which is not true, I actually paid them more than I had borrowed to begin with, I just fell behind before I made all of the payments including interest. I consider that offensive, because they are trying to shame me in to the rest of the payments by saying I did n't bother to pay. I had already paid well more than was borrowed to me, and I was trying to keep paying them, but groceries are more important. I have also received unsecured emails that fully disclosed my debt and account numbers. Things that I would consider personal information with no security at all. I am familiar with the FCDPA and I feel like my rights within that have been violated.
Consumer complaint received 2023-05-22
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. (NV)

Recently spoke with a rep for debt that was in collections. I was able to settle debt. 
My credit still does balance unpaid. 

XXXX XXXX amount : {$200.00}
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2023, I received a phone call from someone claiming to be a XXXX representative offering to save me money on my bill. The individual gave me a number to call which had prompts to follow. I did so and was connected with another individual who sounded like a legitimate XXXX representative because he had information about my account. He indicated that in order reduce my bill, I would need to purchase XXXX gift cards and pre-pay 2 months in advance. I did as he instructed and was unfortunately scammed out of {$400.00} in XXXX gift cards. I paid for same with my Capital One XXXX credit card. 
I contacted both XXXX and XXXX immediately thereafter. The funds had already been disbursed from the gift cards. XXXX refused to refund the money. XXXX has also refused to reimburse the funds claiming that since I was an authorized user, they are not responsible for this type of fraud protection. 
On XX/XX/2023, I filed an incident report with XXXX XXXX Police Department.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (FL)

I recently reviewed a copy my credit report and noticed. I had fraudulent accounts on my report. Pleases remove these accounts from my report. They are hurting ability to obtain credit. It is found in the XXXX credit bureaus XXXX, XXXX, XXXX Milestone bank account # XXXX {$1200.00} XX/XX/year>
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (TX)

I applied for a Chase XXXX card and received a denial letter. I contacted their reconsideration line and was advised that I was listed as an authorized user on another Chase Credit Card account that was charged off. I advised I was not aware of this and to provide details. No information was provided- I contacted EVERY customer service number for all the credit cards Chase offers in their portfolio. No one could assist me. 

Upon calling the reconsideration line, the second representative quickly backtracked and advised " oh- well that would n't hurt your score thaaat bad '' - but XXXX information in regards to the debt. ( Which of course, not my debt )
Consumer complaint received 2023-05-22
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: Resurgent Capital Services L.P. (GA)

I was a victim of identity theft in the military and I sent in all the proper paperwork and information to the credit bureaus to have them accurately fix these issues. Some of these items are taken off of some of the 3 bureaus and still reporting on the other. The process should be the same for one and the other. While in the Military it is hard to contact the credit bureaus from overseas and I am fed up. This has been going on for over 5 years. I sent in FTC reports and also a FBI Victim report because the Feds caught the guys with id and drivers license in my name and arrested some of them. 
XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE XXXX $ XX/XX/XXXX ALL THESE ACCOUNTS BEEN CORRECTED ON XXXX AND XXXX BUT NOT XXXX XXXX XXXX : LVNV FUNDING LLC XX/XX/XXXX XXXX REPORTED THIS ACCOUNT THAT WAS FRAUD AND DELETED PREVIOUSLY FROM XXXX XXXX THE PURCHASED SOME DEBT FROM SOMEWHERE AND REPORTED THIS TO MY CREDIT I TOLD THEM THAT IT WAS FRAUD AND DELETED BY THE CREDITOR.
Consumer complaint received 2023-05-24
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: SYNCHRONY FINANCIAL (RI)

I now realize Synchrony Bank is an enabler of fraud. Several months ago I contacted them about trying to open a card in my name that I did not apply for. I told them that their conduct was deceptive and fraudulent. The person on the phone LAUGHED at me when I said I would report them to you. Months later, I found that my credit score had dropped 25 % from excellent to poor because someone was able to open a credit card with them in my name with only my name and social security number. 

I have since learned that Synchrony is a habitual repeat offender of this type of conduct.
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (MI)

I believe LVNV is targeting my data they continue to add accounts even after I have let them no I have no contract with them and have no interest in further communication. They are illegally reporting to my consumer report and using illegal debt collection methods. They are violating data and privacy laws. All of this is being done outside of law permissible purpose and is a violation of my rights as a citizen. It all reports are not removed I will be forced to sue under glba fcra and fdcpa. I have contacted legal counsel and they advised me to send this notice. Consumer reporting agencies also have duty in reporting my data in am ready to hold all parties responsible.
Consumer complaint received 2017-01-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Paramount Recovery Systems, L.P. (TX)

I have been disputing this information since XXXX and I have asked for debt validation information. I have not received anything validating this debt. It has been past the 45 days since the dispute has been sent to the credit bureaus asking for validation. It has come back each time as verified by the collection agency without any validation sent to me. I have also sent a XXXX violation notification in XXXX 2016 to this company. I need forms showing where I signed for these account. Also my XXXX rights have been violated once any medical information has been shared with any 3rd party agency.
Consumer complaint received 2023-05-24
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 CAXXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXXXXXX Balance Owed : {$100.00} ; XXXX XXXXXXXX Balance Owed : {$8300.00} ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-22
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Asset Recovery Solutions, LLC (CO)

Asset Recovery Solutions Called my Mother in an attempt to reach me, despite apparently sending letters to a previous address despite mail forwarding, and me not having received a letter. When i called the number to ask who they were, they refused to tell me until I gave them my name and date of birth.
Consumer complaint received 2023-05-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Credit Management has called me repeatedly, all times of the day, and weekends. I have asked Midland Credit Management to stop calling me but they continued to call from private and unknown numbers. I arrived home XX/XX/2023 and found a XXXX envelope on my porch and the contents contained information from Midland Credit Management threating to sue me. Prior to the delivered package, I have asked for Midland credit Management to send me a contract between them and myself; including my wet-ink signature. But they have yet to provide me the information.
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (WV)

Credit Bureaus failed to address score factor, which resulted in approving personal loan, credit card applications. Insist on reporting accounts as adverse or maybe considered negative. Inconsistency in credit scores. No justification received. Credit bureau data input does not warrant accounts being reported as adverse/considered negative. 
See attached for additional information.
Consumer complaint received 2023-05-24
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)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX  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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-24
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. (NY)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 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 2016-09-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Due to an error in paperwork with my city of residence, Bank of America was served a legal notice to have nearly {$120.00} dollars debited from my account, which it followed through on. Bank of America then charged an additional {$120.00} non-refundable fee. Even though this transaction was the result of an error, it is not the city 's responsibility to refund the {$120.00} fee that Bank of America received -- an exorbitant amount that the city will not agree to, as it is more than the amount they originally sought. Bank of America representatives reminded me that the {$120.00} is non-refundable because of the amount of work it takes to process anything legal, but the fee is excessively high and I am left paying for the city 's error and Bank of America 's avariciousness.
Consumer complaint received 2023-05-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX. Please update ASAP.
Consumer complaint received 2023-05-24
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. (NY)

My name is XXXX 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-24
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. (NC)

I believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on an additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX HE XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.