davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-05
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation.

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law.

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, XXXX   Circuit Court, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or TransUnion ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (MI)

Three or four weeks ago, I received a phone call from a Credence Resources Management LLC stating that they were calling to collect a debt.  I told them I have no debt that is in collection.  They stated it was for XXXX  for some equipment that wasn't returned.  I told them that it is an illegitimate debt, because I don't owe XXXX anything and that I returned their equipment as instructed within three days after they emailed me.  They kept saying they were to collect $XXXX dollars and I told them that I don't owe anything and I am not going to pay anything.  I went on to state that I maintain a credit rating over 800 by paying all my bills and on time. In the last week, I began receiving credit notifications that my rating was being changed. When I checked, I see where Credence has put a collection item on my record.  They did so knowing that I denied having any indebtedness to them or XXXX. They also affected my credit by doing a credit check on me.   I believe they did this in the belief that I would pay this even though I don't owe it just to protect my credit rating and I feel this is an intentional fraudulent act.

I reached the end of a two year promotion of XXXX internet and television service as of the end of XX/XX/XXXX this year.  Within days, I received an email from them requesting that I take a specific piece of equipment to XXXX who would package and return their equipment.  The email listed one item (a router with a picture of it and the serial number.  I followed up within two or three days and returned the equipment they requested.  About a month or so later, someone called from XXXX asking about equipment, and I told the lady that I had taken the Router that was requested in the email to XXXX and that I had the email and at the time I also had the XXXX   paperwork.  She asked that I send it to her which I did.  I also told her I had some other stuff and what should I do with it.  She said that I should follow the email instructions and send what they requested, which I had done.

About two to three months after the service ended, I began receiving calls from XXXX with offers to resume service with them.  I told them that I already had a new service provider (XXXX).  I also told them that I  had returned what XXXX asked me to but that I  still had some XXXX equipment that they didn't ask for and what should I do with it.  On two to three of those calls, I was told either, "I will look into it, or I will take care of it" and nothing happened.  I finally put the stuff in a trash bag and my wife set it out.  (There are no XXXX offices or service centers around.)
Consumer complaint received 2020-01-20
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. (NJ)

I was a victim of identity theft and I my identity was stolen at a car dealership in New Jersey. The dealership is XXXX XXXX XXXX in XXXX, New Jersey. The fraud was used at XXXX  XXXX XXXX and several other banks. I have yet to have this issue cleared off of my credit report.
Consumer complaint received 2020-01-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

XXXX XXXX XXXX and refused to return my w2. 
Fifth third bank is running a remortgage scam Tells of approval to recive non refundable deposit Has no intention to remortgage Just ask for the same information many times and wait over 6 months to find a new problem or you become frustrated and quit trying
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2020-01-20
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: Experian Information Solutions Inc. (MD)

Case # XXXX Experian case # XXXX Pin numbers keep changing, XXXX, nothing working to update information, phone numbers here help with still old information not being changed mailed calls. CFPB help here still same information, old address and phone number, I have free monitoring for, I have been brenched my identity has been stolen.Same issue nothing has changed I would like to see my credit report, and please have them to unfreeze my credit report. Thank you
Consumer complaint received 2020-01-20
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: FAIR COLLECTIONS & OUTSOURCING, INC. (DE)

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally The amount saying to be owed is {$3400.00} They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2020-01-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NJ)

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? Copies of what they sent me proves they have no proof with the Fair credit reporting act section 609
Consumer complaint received 2020-01-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (NJ)

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2020-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (GA)

Dear Sir Or Madam, This a follow up to complaint XXXX. Our names are XXXX and XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Ga XXXX. 
We want to send you some documents that have shown malicious behaviors XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2019-09-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC (TN)

all my extra payments is going to the interest of the loan.. none of it is going to the principal..I made an extra payment on XX/XX/2019 of {$100.00} at the time my balance was roughly {$9000.00} ... since then I made 2 more extra payments one for {$43.00} and the other for {$44.00} which I thought it all was going to go to the principal and it didn't ... .it all went to interest ... my balance is still {$8900.00} ... I will never get this loan paid off this way
Consumer complaint received 2019-09-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Credit Solutions LLC (FL)

calling couple times a day, threaten to call family members and neighbors. I even asked if they were threaten and they said yes. I have told then we do not owe any money to our contractor who was doing work on our house because nothing was done and I have pictures to prove it.
Consumer complaint received 2020-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

I was recently scammed by someone claiming to be a representative from Peoples Bank in the fraud dept. on XX/XX/XXXX and {$3000.00} was stolen from my checking account. 

I immediately called my bank and Peoples Bank does not have a department available for fraud after hours. The only department available to me was to cancel my Credit Card. 

On XX/XX/XXXX I called Peoples Bank call center at XXXX as they open at XXXX to alert them and to put a hold on my account. My claim # XXXX that was filed was recently denied because I gave them the access code but they already had my username. 

I have since closed both my accounts and reopened new ones at peoples as I have been banking with Peoples Bank for over 20 years. 

All the text messages and emails all had the peoples logo on them and even the phone # the called from was Peoples Bank. They stole the money by using the Person to Person and made 5 transactions at XXXX each. 

Is there anything, anything at all that you could do to help me in getting my funds back. I am not in the position to be out {$3000.00}. 

I just recently filed Bankruptcy in XX/XX/XXXX and have a huge trust payment in the amount of {$2800.00} dollars and mortgage payment XXXX all due on XX/XX/XXXX and if I default I am going to be in a bad position. 

On Friday XX/XX/XXXX I visited a XXXX branch to order new ATM cards for my new accounts that I had to open due to the Fraud breach and I dealt with a woman by the name of XXXX XXXX XXXX # XXXX. 

I was and still am in a state of disarray considering all that has transpired. When speaking with her she asked if I still had my son/kids ( due to our conversation ) and I replied yes, she then proceed to tell me she lost child and it is only money. I do not personally know this person. 

I feel that this was very unprofessional. I can not believe that an individual would use the death of her child to try to make someone feel better. 

Losing {$3000.00} is a big loss to me financially and mentally and I filed a formal complaint with the branch manager. 

When the branch manager reached out to me to apologize for his employee that is when I learned that since Peoples bank had denied my claim that they were not going to pursue any type of investigation and that I should try my local police department. 

I have attached copies of the letters i have sent to Corporate Peoples. No one would respond to me in writing only phone calls. I am also attaching the information that was entered into my account of the individuals that the money was transferred. I did not authorize this nor do I know any of these individuals. 
Look forward to hearing from you soon and if you need me to provide any additional information please contact me via email or my cell XXXX
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

I booked a flight with american express membership rewards and used points for payment. 

I was initially charged on XX/XX/2019 in the amount of {$1800.00} and then credited the same amount on the same day XX/XX/2019 when they deducted the points from my account ( which is normal ). 

I was then notified on XX/XX/2019 that american express cancelled my account. I did not receive any reason for the cancellation other then " we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose. '' I tried to find out more information about this and was told I would receive a letter in the mail but I never did receive any such letter. 

On XX/XX/2019 ( after my account was already cancelled for a week ) I was charged in the amount of {$1800.00}. I contacted american express and was told that since the points I earned was done so " against their terms '' ( which I still don't know how ) they clawed back the points and charged me again. Note that when they cancelled my account they allowed me until end of day to transfer out all my remaining points to a frequent flyer account under my name. 

I disputed the charge on the basis that I already paid with points and this is a double charge. American express membership rewards contacted me and told me that they refunded the points to my account so therefore I was not charged twice. I tried explaining to them that A. I never authorized the refund and B. my account was already closed by american express so I don't have any access to the points that are " refunded ''. When i called american express I was told since the points were earned " against their terms '' ( again, still waiting on how ) they just took it backed and charged me. ( even if that were true then why did they allow me to transfer out my remaining points to a frequent flyer account of mine? ). 

I have been going back and forth with american express now for almost 6 months and they keep just transferring me from one department to another and saying its the " other '' department I have to speak to.
Consumer complaint received 2020-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

I began the banking day with a positive balance of {$450.00} before the banking day began there were 4 transactions that were presented on my account 1. ) for XXXX 2. ) for XXXX 3. ) for XXXX and 4. ) for XXXX. The bank decided to pay all four charges. The total for the first 3 transactions is XXXX. The way in which these transactions were processed on my account it caused me to have 3 overdraft fees instead of 1 for just the XXXX transaction. The transactions were processed so that they caused the greatest overdraft. I spoke with the bank they gave not given me a specific answer as to how transactions are processed and in which order. I am told a overdraft fee is put on the account the moment when a account becomes overdrawn even if the transaction that causes the account to become overdrawn is only an authorization charge and not a final charge. I believe that overdraft fee should be assessed if a transaction post. I have even put money in my account before the fees were assessed and before the end of the banking day and still was charged a fee On another instance the bank also used a bank account maintenance fee to cause an overdraft when the fee itself is imposed on the account for banking with them.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax To Whom it May Concern, Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX  account number ( XXXX ) and account number ( XXXX ) ( XXXX ) has Discrepancy in the balance, account number, date open, date closed, account rating, creditor type, payment status, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. Please also tell me how an account can be current if the account is closed. 


XXXX XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence from the original creditor to the credit bureau and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You
Consumer complaint received 2020-01-20
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. (FL)

XXXX Reported : XXXX XXXX, 2019 was transferred to XXXX Reported : XXXX XXXX, 2019 which was paid off and closed on XX/XX/2019 but it does not reflect that on my credit report.
Consumer complaint received 2020-01-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (MS)

Deposit to regions bank XX/XX/XXXX of {$19000.00} Bank then sends us a letter that letter stating that they are holding the funds for more than 7 days - they are holding for 10 days because they have an anonymous source that states the funds may not be paid I called client who gave me funds and she said money was taken out the same day and that her bank XXXX XXXX XXXX states that Regions Bank had the money within 3 days which is prior to the date they sent me the letter. 

Funds were paid but the bank is sending letters of lies in order to keep funds longer so they can use them. Plus they are making the statement that the other party may not honor their check! 

Deposit into regions bank XX/XX/XXXX of {$74000.00} Bank sends us an email that they must hold the funds longer than 5-7 days because they have yet an anonymous source that states the funds may not be paid This check if from our XXXX XXXX XXXX. I have no doubt that the check will be paid and again Regions has put another lie in order to use our money for a longer period of time. 

I can not be the only person who is being fed a series of lies in order for them to use our money ... they need to be reprimanded ...
Consumer complaint received 2019-10-09
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. (CT)

XXXX XXXX XXXX XXXX XXXX - account # XXXX, I was reported for being late in XX/XX/2019 and XX/XX/2019. The information is not accurate. I was not late. This was an error from the bank. The Error was corrected. The account was paid. The status on my credit report for Experian, XXXX, and XXXX is showing a late payment and reported as delinquent. I reached out to the company to please correct the late status to read paid in time.