davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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)

My name is 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (PA)

Back in XXXX, I bought a house and was getting furnitures for it. I made some orders through wayfair, some items didn't arrive and the ones that arrived, didn't match the website photos. When I reached out that I didn't expect these items to look different, I initiated a return. I was informed I would get something in the mail like a card to process my refund. I didn't receive any further notices until I started receiving notices for owing debt to Citi Bank on Wayfair behalf. I returned items that came and will attach the shipping labels as well. Since XXXX, this citi bank charge is affecting my credit history and I would it resolved please.
Consumer complaint received 2023-03-07
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. (VA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (MD)

unsecured debt of {$840.00} when the original creditor never had a contractual agreement with me. Whatever claims of a contractual agreement indicated by the original creditor never existed and therefore, is cancelled. The original creditor sold the account to another agency ( LVNV funding ) and wrote it off on their corporate taxes as a " loss '' and therefore, they have no claims against me. Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compensation constitutes fraud in any of the 50 states.
Consumer complaint received 2020-03-19
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: EQUIFAX, INC. (CA)

I HAVE SENT THE FOLLOWING DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (MI)

I had applied for a payday loan the company then called me on my cell number provided on the application and then they stated speaking to the company that ended up being XXXX XXXX  I would be able to receive this loan I had applied for I was then informed of a plan of some sort claiming that they would dispute my credit report items and they advised me of one single plan and not the option of a lower paying plan that I found out well after they took money from my account I was also told they would dispute items on my credit report I as of well over several several months after discontinuing not received any documents from XXXX XXXX  stating what was disputed and for what reason it was disputed for I also am now having issues with one of the companies claiming that they can not dispute because they claim that they never received any response from XXXX XXXX or myself regarding said dispute that was reached out I was very unaware and uninformed of what if anything was even disputed as claimed XXXX XXXX  leads very misleading information and I should of received proper documents stating from them what company and details about each report issue on my credit that was disputed because I was very much paying for something that was misleading and if by chance the credit issue with first XXXX XXXX is what was disputed by XXXX XXXX on my behalf should of detailed In the dispute documents and such that was sent on my behalf which obviously not done correctly or may have never been done because I have not received any proper documentation from nor did I ever received via email or regular mail reasons for or what at that time was being disputed I feel I was very misinformed and very mislead for services I was paying for that was never properly done as it should of been if I was paying for something I was coerced into by a payday loan company as well misinforming me by saying I would get this loan approved thru XXXX XXXX  so I was very much mislead by ways of claiming I would recieve this payday loan after speaking to XXXX XXXX which never happened the only thing that maybe the truth was they were going to charge me, little did I know that I was going to pay for services I never properly or accurately had described to me I do honestly feel I was very much tricked into what they offer by the payday loan I also feel that they do this more than it is recognized or that it is reported, this is in response to a XXXX  XXXX XXXX issue that they claim was disputed but have never received a response from the disputer as to why and I was not the one to reach out to dispute so the only company that could of would of been XXXX XXXX XXXX but it was evidently not done the way it should of been if they have no knowledge as to why they were having a dispute put against them ... ..
Consumer complaint received 2024-10-31
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. (AZ)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern, This letter is a formal demand regarding the harmful and false information reported by TransUnion Rental Screening Solutions ( TURSS ), which directly caused my recent rental denial. The information provided in your screening report is unauthorized, inaccurate, and detrimental to my well-being. 

I have no contract with XXXX XXXX XXXX XXXX XXXX, nor have they provided any verifiable proof of legitimacy for the information they supplied. Yet, this unsubstantiated data has been used to deny me housing, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I know you can care less about this because it isnt happening to you, but your failure to maintain accurate reporting is endangering my financial stability and personal safety. This denial is not just an inconvenienceit is jeopardizing my ability to secure a home and build my future. 

Let me be clear : You must immediately retract the information provided by TURSS that led to this rental denial. 
Remove all references to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX from my report. 
Provide written confirmation of these actions within 24 hours.

Failure to address this matter promptly will leave me with no choice but to pursue legal action. I will hold both TransUnion and any involved parties accountable for the harm caused by this negligence.

This is your final warning. You have 24 hours to resolve this matter and provide proof of compliance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. Auto Sales Inc. (GA)

The beginning and current balaces due for US Auto XXXX are incorrect. The lendor is showing an original loan amount of XXXX. This amount is incorrect. The XXXX is not correct amount loaned at the time of purchase. The amount shown is the base purchase price for the vehicle and not the entire loan amount which included Taxes, Warranties, Insurance and original down payment. Also the current balance shown dies not reflect the correct balance as XX/XX/2019.
Consumer complaint received 2019-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

I am the wife of a military member and lost my job in XX/XX/XXXX. On XX/XX/XXXX, I submitted my husband 's military pay statement for XXXX to recalculate my income based repayment amount. On, XX/XX/XXXX, I received notification of an erroneously calculated new payment amount. They erroneously included my husband 's non-taxable housing and food allowance in his salary. My payment before I lost my job was {$750.00} and was erroneously recalculated to {$850.00}. When I was notified of this increase, I knew they made a mistake and called them the same day to review their mistake. They did and recalculated my payment to the correct amount of {$560.00} on XX/XX/XXXX. 

My XXXX payment was still reflecting {$850.00} due on XX/XX/XXXX. I called them and they told me it was nothing they could do to have the correct amount reflected. I had two options : 1 ) pay the {$850.00} or 2 ) request a forbearance to skip the XXXX payment. I explained to them that my husband and I could no longer afford the {$750.00} without my income so there was no way we could afford {$850.00}. I also explained to them that it was unfair that I had to suffer because of their mistake. The loan specialist on the phone explained to me that there would be no negative ramifications of using a forbearance. However, I received a notice on XX/XX/XXXX from XXXX stating that {$11000.00} of unpaid interest is going to be capitalized due to the change in my payment structure. When I called them, they told me I should have read the forbearance application and would have known that unpaid interest would be capitalized. I am in total shock that this has happened to me because of their mistake. I feel completely victimized and helpless. I would appreciate any assistance you can offer.
Consumer complaint received 2019-02-15
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kramer & Frank, P.C. (KS)

XX/XX/2019 my husband received 4 letters from Kramer & Frank addressed to him in regards to medical bills from XXXX XXXX XXXX that are in my name and not his. I am the primary on the insurance and he did not sign to be responsible at the time of medical visits. Letters included the following amounts : {$310.00}, {$220.00}, {$490.00}, {$160.00}. My husband is not responsible for the debt, the insurance is mine through my employer, and the FDCPA states that Kramer & Frank can not disclose this information to my husband.
Consumer complaint received 2019-02-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: LHR Inc. (NY)

On XX/XX/19, XXXX XXXX contacted me via text message twice without ever having my consent to do so. In this communication they did not provide proper advisement that this is an attempt to collect a debt and any information obtained Will be used for that purpose. Additionally, it was disclosed in the text message that the debt was owed to a medical facility which comes very close to violating HIPAA since this company had in no way actually verified my phone number and could have been disclosing this information to anyone. Upon contacting the company and trying to figure out how or if they had obtained my authorization to text me, they advised that it was provided by the client and if I have a problem with it, I should get an attorney.
Consumer complaint received 2019-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC (FL)

I went to a puppy shop bought a shih Tzu and was told everything was ok with the dog I advise after the vet came to my home from there shop the dog was acting funny and it wouldn't eat and was basically laying around not full of energy. So I took the dog to the vet they advise they would need to do a serious of test that would cost me over a {$1000.00}. 
I than went the animal care and control to have the puppy look at and they gave a shot of antibiotic to see if that would help I than paid for blood work for {$280.00} the vet advise I should take o dog back I call them while there and they said you only have 2 days to return the dog. That is not a enough time to see if a puppy would get sick and die. After the puppy was found laying outside of the cage with light breathing I was force to take him to XXXX XXXX for cremations me and my XXXX old daughter was devastated from all this with a puppy that was apart our family. I than began getting phone calls from a gentleman about making payments I advise I never got a call back from this puppy place and now you want me to pay with a 30 % interest rate maybe more so I told him if he send something writing to accept {$1000.00} I would pay it and be done never herd from again. One evening starting getting calls from this guy again when I told him in writing cease all calls he went to calling from different numbers saying I'm calling them which was false I want to make complaint and investigation on this company as well as the 3 Credit bureaus for not given me proof to validate this date with a contract and payments that were paid into this account and why are the credit bureaus still reporting late payment when the account is charge off. See below for amount and date open. 

Complaint against XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Your XXXX XXXX XXXX  Statement is Available XXXX via XXXX Mon, XX/XX/2017, XXXX XXXX Accont Number.. 
Merchant Name.XXXX XXXX Payment Amount : {$240.00} Payment Date : XX/XX/2017 Date of First Payment : XX/XX/2017 Monthly Payment Amount : {$240.00} Term : 24 {$4800.00} Total Charge off Date open XX/XX/2017
Consumer complaint received 2019-02-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have an Flexible Spending Account for childcare expenses through my employer, that is managed by Bank of America. On XX/XX/XXXX I utilized all XXXX funds in the account in the amount of {$310.00}, prepaying childcare into XXXX because I could not find any documentation on the date when XXXX funds needed to be utilized. 

Bank of America denied my claim for funds in the XXXX multiple times, even after being provided with receipts from XXXX XXXX ASEP Program ( After School Education Program ), which is an eligible dependent care service. Bank of America XXXX claimed that it was not clear that the program was for XXXX and that a note I had entered on the payment noting " XXXX XXXX out '' made it ineligible for payment ( the note was manually entered for my record keeping in the XXXX XXXX, and was not part of the receipt information ). 

This is laughable, as I have used my FSA funds for this dependent care service since XXXX of XXXX, and Bank of America has paid XXXX claims to XXXX for XXXX based on the receipt generated with each payment, prior to the denial of the XX/XX/XXXX payment. It took three denials and an additional receipt from the teacher at the school to get them to cover the claim with my XXXX funds. 

My most recent payment on XX/XX/XXXX for dependent care in the amount of {$140.00} to XXXX has similarly been denied, with the claim there were no dates of service on the receipt XXXX dates of service don't auto-generate on the receipt, especially as we must pre-pay for service and there can be weeks with pro-rated amounts carried over ). I then supplied a receipt with the dates of service and the claim was again denied by Bank of America on the grounds that there is no evidence that the payment is to a dependent care provider. They have refused to acknowledge that XXXX is an acronym for " After School Educational Program '', despite the fact that the care is through a public school and that they are an eligible provider of dependent care services. I am frustrated with making multiple calls and providing multiple receipts to access my own funds in my XXXX account. I believe they are hoping to retain the funds by making them impossible to use for their intended purpose.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: LendUp Loans LLC (GA)

My credit report for XX/XX/2018 a 3o day late payment. This was due to the site not working correctly before the close of the statement close date. I called in to complain about it but was unable to get the report resolved. The reps seemed not to know what to do to help me with the problem I was having.
Consumer complaint received 2019-02-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (AZ)

I have a collection on my credit report apparently from XX/XX/2013 which I was not aware of. I lived in an apartment complex gave a 30 day written notice and verbal notice a few times, then moved out before the lease was up. I saw on the credit report there was a collection charge in my account in XX/XX/2013 I disputed it and moved on with my life. I didnt hear anything about the dispute thought it was taken care of. Now when I'm trying to love again the same collection is still on my credit report. I called and spoke with a guy there he claims I owe more money then what was or has been reported for the last 7 years. I told him i disputed it on the credit yesterday and years ago. I even told him 2 people where on the lease at the time. He tells me that only 1 person signed the lease and that the other person only signed the application which isnt true. I dont see how I can dispute something years ago and apparently they didnt respond to me disputing again and tell them and now they respond years later and then change the amount. This isnt fair and isnt that illegal after 7 years to all of a sudden change the amount when I confront them about it. Even though I dont owe anything I even offered to settle for XXXX and I want a letter saying this issue has been resolved asap. He said he would forward to his client the apartment complex which I talked with yesterday and they are looking into the matter as well even though they're the new company coming in.
Consumer complaint received 2024-10-31
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. (DE)

My Credit Profile is inaccurate which is not fair to me. Please Investigate this and fix it. I'm really sick and tire of these XXXX. Should there should be any updates on my inquiries. I'm gon na go to the court.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

RE : Regarding a Reported Delinquency in XX/XX/2015. 
To Whom It May Concern, My name is XXXX XXXX, and my account number is XXXX. I have been a satisfied customer of Capital One for years. 
Your outstanding customer service is the reason Ive remained a loyal customer. Ive always considered it a priority to make all my payments on time. Unfortunately, when my father died I fell short. I was over a month late with a payment. 
I had been carrying a sizable balance for several months. Then, I finally paid off the full balance. When I received my statements and, I simply discarded them without even opening them because I assumed they would show a XXXX balance with no payment due. It never occurred to me that there would be a finance charge from the last month that carried a large balance. 
I wish I had taken a moment to just open and read those statements. That was a big mistake, and I can assure you it wont happen again. From now on, I will always open every piece of mail that I receive from you. I recently opted in to email alerts just to provide an added layer of redundancy. 
Your records will show that in XX/XX/2015 was the only time I was late. I had never been late with a payment until this unfortunate oversight. I have been prompt with the past XXXX monthly payments since getting caught up. 
As a long-time customer in good standing, I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. Please help me this is hurting me financially. 
Thank you very much for your consideration,