davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-28
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. (NY)

FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I lodge a complaint through the same website and what you sent me was copy of reporting transactions which is not a verification. If your company was offering the credit alert service for free to consumers I wouldn't have been a victim but all you do is charge for the service and everybody can afford to be paying for the service monthly. 
Your previous responses ONLY show transactions but do not have my signature or any prove that I have knowledge of the accounts and transactions. 
I demand the following accounts be verified or removed immediately. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX back XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (IL)

on XX/XX/2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XX/XX/XXXX came by and I made the XX/XX/XXXX payment on the XX/XX/XXXX. but my account still showed as being XX/XX/XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

on XX/XX/2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XXXX came by and I made the XXXX payment on the XX/XX/XXXX. but my account still showed as being XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PREFERRED CREDIT INC (NV)

I received a call on XX/XX/XXXX at XXXX XXXX from XXXX at Preferred Credit trying to collect on a XXXX that I had paid off in XX/XX/XXXX. I confirmed with them that I had made the payoff payment of {$2000.00} on XX/XX/XXXX but they insisted that though they showed I had made the payment it was showing on their system that it was unpaid. They threatened to have this debt negatively reflect on my credit report even though I informed them it was an error. They checked with the manager and said that someone ran it for an incorrect date, and that my balance should be XXXX out in 7 business days. They gave me a call back number XXXX. I do not want this to be reported as an unpaid debt and adversely affect my credit report since the debt has been paid in full. I'm not sure why they would be calling so late to collect on a debt that has been paid off.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (TX)

In XX/XX/XXXX I needed a credit card to use to charge airline tickets, hotels, car rentals etc. as part of my job as a XXXX XXXX XXXX. I was having g credit issues that resulted in a bankruptcy filing in XX/XX/XXXX so I asked my sister to add me to her XXXX XXXX Credit Card ( XXXX  Card ) as an authorized user. She called and did so. I used the card until XX/XX/XXXX at which time I returned the card to her with no balance. 

She began using the card and reporting to all 3 credit bureaus reflects that that account is mine I never signed anything authorizing them to make me a co-owner of that account. Now her account repeated shows up as mine and it causes a heavy usage to reflect on my account since she has the card at 90+ % of the limit.

I have on 2 separate occasions written and asked for proof that I signed anything making me the owner of the account. I get back a response that the account is reflecting correctly and they refuse to provide me proof that I authorized them to make me a co-owner of the account.
Consumer complaint received 2019-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (UNITED STATES MINOR OUTLYING ISLANDS)

I have an account with Capital one Bank. There was {$340.00} in the account that I didn't touch for more than 3 years. When I check my account online on XX/XX/2019. I saw that I was charged {$180.00} by a company called " XXXX '' which I never heard of before. I was also charged {$44.00} for service fee by Capital one bank. I called Capital one bank 's customer service to dispute all the unauthorized charges, he said " We deposited a temporary credit ( s ) totaling {$180.00} into your account today, which are available for immediate use while we're looking into this. We're also adjusting your account ( s ) for any related interest, finance charges and/or fees within one business day. '' on the phone and in the E-mail, but Capital one bank never give me the related finance charges fee back which is {$44.00}, in stead, they charged me another {$8.00} on XX/XX/XXXX. I called them 2 times after the first conversation I had with them. They switch me to 5 or 6 different people for the same issue with no answer still. I asked them 2 simple questions, if I can get my money back for the service charge? was it my fault the minimum balance was under {$300.00} limit when someone stole money from my account without my knowledge? none of them answered my question. they kept telling me I didn't keep my account with minimum balance, the bank has to charge me service fee.
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (NC)

XXXX XXXX has been contacted on several occasions. They have failed to provide me with documentation bearing my signature so that I can validate that this account is indeed mine. They are reporting negative information and it is damaging my credit score. They have completely ignored all correspondence that I've sent. I am demanding for this account to be removed from my credit file immediately.
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

You are known by the company you keep, and Citi is keeping company and is complicit with some very bad actors. I was billed {$310.00} by Citi for items from " XXXX XXXX '' and " XXXX '' that I did not order and did not receive. Citi sent me a form which I signed stating that I did not order the items and did not receive any benefit. Citi initially credited the billing but subsequently re-biled me. I called Citi and asked them what they had that was more credible than the forms I had signed stating that I did not order the items and did not receive any benefit. After three separate requests sent over a couple of months, I finally received a set of documents that Citi said they received from the two companies involved. It appears that this all started when I ordered a product sample from a company by the name of XXXX. I went through the documents and was unable to find any documentation that I ordered the items I was billed for, nor any proof that anything had been sent to me. I have called Citi several times and asked that they point out where in the documents it shows my placing the orders, and where in the documents it shows anything shipped to me. The Citi employees I talked to agree they are unable to provide me with proof of my ordering or receiving anything of benefit. Two of the Citi employees were forthright in admitting that this is a scam, that they get an enormous number of calls on it, and while it is a scam, unfortunately it is not fraud. In order to protect my credit rating I have paid the amounts Citi billed, however, Citi should be ashamed of their complicity in such a deceitful business practice.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several accounts reporting on my credit file that does not belong to me. I have sent the credit agencies letters to dispute these accounts. The listed accounts are reporting as a result of identity theft. Please remove the following accounts and incorrect information from my credit file : Incorrect Name : XXXX XXXX ( XXXX ) Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX & Transunion ) Identity Theft Account : XXXX XXXX XXXX XXXX ( XXXX & Transunion ) Identity Theft Account : XXXX XXXX XXXX ( XXXX & Transunion ) Inquiries : XXXX XXXX XXXX ( 2 Times ), XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( 3 Times ), XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc. (NY)

On XX/XX/2018, I went to XXXX XXXX XXXX XXXX in South Carolina. I was on vacation and live in New York State. Upon arrival I noticed that I had left my insurance card at home and was unable to provide the hospital with any insurance information on that day. After providing the hospital with my insurance information my insurance company notified me that I had a duplicate account causing an error and causing the bill from the provider to not be paid. I called my insurance company some time in XX/XX/2018 to get the problem resolved. I was told that they would take care of it, the bill from the provider would be settled and that there was no further action that I needed to take. My next Health Statement provided on XX/XX/XXXX for the month of XX/XX/XXXX shows that the bill had been partially paid and that I was liable to pay the provider ( XXXX XXXX ) {$0.00}. Several months later, I received a letter in the mail from a collection agency in XXXX, South Carolina stating that XXXX XXXX XXXX Hospital had passed my bill on to them. The amount that is stated that I due is the full amount of {$2300.00}.
Consumer complaint received 2019-02-26
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. (FL)

I demand that you send me copies of the documents you used to verify the following inquiries listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bank Credit Cards XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXXXXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX EXPERIAN BUSINESS CRED  XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a credit card with XXXX BANK/XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, XXXX, and XXXX BANK/XXXX  XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Consumer complaint received 2019-02-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC. (TX)

An account was created in my name at SunTrust Bank. I've never banked there, have no desire to bank there. Each month {$10.00} in fees are assessed to this empty account. I have called and emailed and tweeted SunTrust but they refuse to or are unable to close the account.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX  with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (TX)

Capio Partners , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX After viewing a copy of my report, I noticed a collection placed on my credit report from capio Partners LLC on XX/XX/2019. I requested that they allowed me to validate the alleged debt because I was unaware of any outstanding medical bills that I possessed and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I was assumed to owe. I asked them to send me validation via certified mail to my address which was provided asking that they provide the following. 

Please provide breakdown of fees including collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

I was replied with a password protected email from Capio Partners LLC. The email couldnt be accessed and Im not really sure why they sent an email when I asked for any corespondents to respond via certified mail. I contacted the company again upon researching that they are not rightfully bonded in the state of Texas. 

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

Since they not only incerted a collection on my report without validation or making me aware of the alleged debt but they violated Texas law by collecting debts in the state of Texas and not being bonded by the secretary of State.
Consumer complaint received 2019-03-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northwood Asset Management Group (IL)

On Friday XX/XX/19 at XXXX I received a voice message from XXXX XXXX a senior representative at XXXX XXXX XXXX Caller ID showed XXXX ( XXXX IL ) but I was asked to call back XXXX Ext XXXX a New York number. I called the number back and spoke with someone ( I did not get the name ) who said they could help me. He demanded my SSN and other personal information which I am not giving out especially since they did not say they were a debt collector, or who they were or what company they were from or the nature of their business with me. He stated he will not answer any of my questions until I gave him my SSN. I told him to send me a letter to the address of record and he stated " that ship has sailed honey too late for letters '' at that point I tried to end the call and he then stated " hey just pay your bills lady ''. I ended the call. 

XXXX XXXX then used a cross reference to start calling people that I barely know and leaving lengthy messages for them. He stated ( on the voice mail ) that he has been trying to reach me for XXXX weeks ( false-I have phone records that show first call was on XX/XX/19 ), he also went on to say this is a very serious matter and he is trying to do all he can to help me with this matter but time is running out and he needs to reach me by XXXX. He ended the call by saying " If I don't hear from her by XXXX I wish her all the luck with this matter ''. What exactly does that mean, was that a threat? A similar message was left on 3 other voice mails of people I haven't talked to in years not to mention the other people in their home that heard that message. I will not have my reputation compromised by XXXX XXXX or anyone from XXXX XXXX. 

Other phone numbers used : XXXX ( XXXX XXXX, IL ) ..the phone calls are unending and frequent with spoofed ID but to always call back XXXX. These calls were robo calls. 

This company has been investigated by the XXXX and were asked to provide specific information - company responded but did not provide any of the requested information. This company was involved in a federal case where XXXX attempted to collect illegal and voided debts to coerce payments from their harrassed victims. I believe I am a victim of this scam.
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (WA)

XXXX XXXX XXXX is reporting that I currently owe them {$1600.00} from XXXX reported XX/XX/XXXX. I do not believe I owe this debt, nor have I had XXXX. I have now been with XXXX  as my phone service since XX/XX/XXXX. And before XXXX I was on a plan with a family member. I would appreciate the removal of this debt on my credit reports as I believe this has been wrongly associated to me. Thank you.
Consumer complaint received 2019-03-01
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. (FL)

Someone has gotten a hold of my information and opened an account with 1. XXXX XXXX XXXX XXXX acct # XXXX. There were also accounts attempted to be opened as well and there are unauthorized inquiries they are : XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. I have attached the report for id theft with the ftc for you to review as the instructions stated.
Consumer complaint received 2019-03-01
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. (FL)

Someone has gotten a hold of my information and opened an account with 1. XXXX XXXX  XXXX XXXX acct # XXXX. There were also accounts attempted to be opened as well and there are unauthorized inquiries they are : XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, and XXXXXXXX XXXX XXXX on XX/XX/XXXX. I have attached the report for id theft with the ftc for you to review as the instructions stated.