davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 a 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 2017-11-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (AZ)

I am a XXXX beneficiary whos policy covers 100 % of all EMERGENCY room services ( the accounts being disputed are emergency room services ) with {$0.00} Co-payment and no member obligation. I 'm not liable for these collection accounts. This medical debt was n't correctly billed to XXXX at the time of service which is no fault of mine. I have on countless occasions provide all the information required to bill XXXX properly, to both the Hospital and Collection agency. They keep reporting the same negative information on my credit report after taking the billing payment information. Being that I am a  XXXX beneficiary with {$0.00} copayment I 'm not eligible for collection accounts from an out-of-state Hospital or emergency room because the hospital must settle the debt directly with XXXX and the accounts to show payment in full according to the following federal regulations : When you provide services to a XXXX member from another state, you must accept that states XXXX allowance ( less any member responsibility such as copayments ) as payment in full. Please note that billing out-of-state XXXX members for any amounts in excess of the XXXX-allowed amount for XXXX-covered services is specifically prohibited by federal regulations ( 42 CFR 447.15 ). -XXXX
Consumer complaint received 2017-11-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I have been trying to get additional information about which payments I 've made count towards Public Service Loan Forgiveness. Ever since I asked for this information, my monthly statements have shown that my payments that have counted have gone down. 

My billing statement dated XX/XX/XXXX reflected 65 payments counting towards PSLF.
My billing statement dated XX/XX/XXXX reflected 55 payments counting towards PSLF.
My billing statement dated XX/XX/XXXX reflected 47 payments counting towards PSLF.
I received a call earlier this week advising that they are working on an accounting of my payments and wanted to know if I was still interested in receiving it. This is absolutely absurd. I asked for an accounting in XXXX of this year and they have been unable to produce it AND are retroactively reducing what was previously determined to be eligible PSLF payments.
Consumer complaint received 2024-10-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (CA)

On XX/XX/year> at XXXX I was contacted by a representitive ( XXXX  ) of " Credence Resource Management ''. 

I asked who was calling me and XXXX told me he was from the above named company. XXXX asked if he was speaking to me a I confirmed my name. XXXX asked me to verify my address information. I declined to do so and asked if XXXX was a debt collector. XXXX remained silent and demanded I verify my address information. I declined a second time and asked if XXXX was a debt collector. XXXX refused to answer and said that I was required to verify my address information. I declined a third time, stated XXXX was required to immediately identify themselves if they were a debt collector. XXXX again refused to identify and demanded I verify my address. I declined for a fourth and final time, stated I was filing a complaint, and ended the phone call.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (NY)

These inquires below I don't recognize and are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-10
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)

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 

XXXX XXXX XXXX XXXX Balance Owed : {$10.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} ; US DEPT ED XXXX Balance Owed : {$20.00}.
Consumer complaint received 2017-11-23
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. (FL)

I have submitted my Identity theft form to XXXX and they have denied to delete the Multiple fraudulent inquiries that are not permissible and I did not authorize them! Also, the fraudulent accounts that I did not apply for XXXX XXXX no contract with the company fraudulent, XXXX XXXX XXXX fraudulent account, XXXX XXXX XXXX, and XXXX XXXX fraudulent accounts. The inquiries are XXXX XXXX XXXX  that are listed multiple times, also XXXX, XXXX, and also XXXX. I have decided to take this matter to civil court in my area for proper and ethical resolution! I was trying to avoid litigation as I know there have been previous successful precedents such as XXXX vs XXXX, that suggest The courts would find in my favor, but XXXX has repeatedly violated section 609 ( a ) ( I ) ( A ) and section 611 ( a ) ( I ) ( a ) ( A ) which clearly states that the company must present original documents or Signed contracts! If the accounts are not deleted within 10 days I will forward the information to my attorney! XXXX and XXXX have deleted the above inquiries and accounts that have been listed as fraudulent!
Consumer complaint received 2018-04-06
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: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX a inquiry was made by my ex wife and i had no knowledge or did i give consent until i gained control of my XXXX XXXX account
Consumer complaint received 2023-04-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Real Time Group, Inc. (CA)

I acquired a HELOC which is currently being serviced by Real Time Resolutions. Since I have been with them, they have given me the run around, escalated the remaining amount due, won't validate how they acquired the accounting, given me different people to talk to who had no knowledge of my situation & harassed me with constant phone calls. The loan amount originally locked at $ XXXX & from the time they assumed it, they claimed the balance is {$100000.00} the previous services had a balance of approximately {$35000.00}! I had been paying the previous servicers & experienced financial hardships. We were to execute a Temporary Payment Arrangement, there was to be no interest accrued. I payed the required amount and additional payments thereafter, while continuing to ask them to show proof of their outrageous balance. The TPA was never honored correctly because they continued to show interest accrual, they never documented the payments on the statements so I retained legal assistance to investigate with the documents that I had in my possession. I have names of persons that I had spoken to, notes & dated documentation. Then Real Time became predatory and sent out a letter of threat to foreclose on my property, even though they have 2nd position! My legal aid had corresponded with them since last year, XX/XX/XXXX with only the same run around. They stated in a letter dated XX/XX/XXXX, that the loan matured XXXX but had not sent me a letter of intent until XX/XX/XXXX after the mature date. Then they filed a Default with intent to sell my property XX/XX/XXXX but did not mail out the Notice to me until XX/XX/XXXX per the post mark date & I didn't receive the notices until the first week of XXXX! I started getting phone calls & text messages from investors & realtors to purchase my home that is how I found out. So to date, Real Time HAS NOT complied with the 3rd party authorizations to give up any information regarding their accounting. I had been doing constant research calling various agencies to help me & my family with this nightmare problem, & I came across the HUD Agency USA Homeownership Foundation who immediately started working with me to help as the tentative sale date is XX/XX/XXXX. Please Help, Your assistance with this urgent matter is genuinely appreciated. Thank you.
Consumer complaint received 2023-07-18
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: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I was charged {$200.00} on my Macy 's Amex Card for a XXXX XXXX comforter that I ordered online a few days prior. The order # was XXXX. When I had not received it by XX/XX/XXXX ( and my account stated 'In Transit ' ), I called customer service and was told that it had never been picked up by XXXX . The customer service agent then helped me to reorder the comforter on XX/XX/XXXX ( order # XXXX ). I did receive that comforter on XX/XX/XXXX. When I received my credit card statement in XXXX for the month of XXXX, I noticed that the XX/XX/XXXX charge of {$200.00} was still on my account. I contacted the Macys credit card department and was told that it had been returned for a gift card. I explained to them that it had never been received but the customer service people were not understanding the situation. 
Since XXXX, I have spoken with numerous reps through email and over the phone about this fraud. I have even been told that they can see it was returned by someone named XXXX and was already used ( not near where I live ). I know when they look into it, they can see that it was never delivered to my address and that I was not the person who 'returned ' it for a gift card. 
When I now sign into my Macy 's account, they have updated the transactions. The original comforter on XX/XX/XXXX says 'delivered ' and then 'refunded ' in a later transaction. And, the one ordered on XXXX is not listed in my account -- but I have the email order and delivery confirmation. It is beyond frustrating that I am going to have to pay {$200.00} for an item that I never received. And, the amount of time and energy that I have spent trying to contact an actual person in Macy 's who can try to understand the situation. I have been charged twice by Macy 's for a comforter that was only received once. The Macy 's customer service is TERRIBLE. 
Thank you
Consumer complaint received 2023-05-01
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. (WI)

This is my last Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any inaccurate information which were fraudulent within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX, WI XXXX.
Consumer complaint received 2023-04-28
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. (PA)

I am experiencing significant XXXX due to the presence of this account on my credit report. Despite providing all necessary documentation to have it removed, it continues to negatively impact my credit score and overall financial well-being. I urgently request that you take action to remove this account from my credit report, as it is causing me undue stress and anxiety. I implore you to consider my situation and take prompt action to rectify this issue.
Consumer complaint received 2017-11-24
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. (FL)

XXXX credit card did a hard credit check, without consent. I have there card, if there going to check. My current score it should be a short credit check. 
thank you
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have incorrect information on my credit report. I have 2 derogatory late payments incorrectly reporting on my account. The 1st late payment is from XX/XX/2022. The 2nd late payment is from XX/XX/2022. I need these late payments removed immediately as they are incorrect. I have sent in dispute letters and tried contacting XXXX XXXX and equifax by phone and have received no help.
Consumer complaint received 2023-04-28
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: ALLY FINANCIAL INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX You are direct violation of The Fair Credit Reporting Act ( Ally Financial Account number XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A, clearly states that I have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

I was assured that once the new loan terms were set up XXXX of XXXX, that the information would be updated on my credit report. The balance has not been updated correctly nor has the monthly payments. The line item is still reporting as charged-off / past due, and the balance is still reporting the same amount, {$16000.00} from 10 months ago, and also as if a payment has not been made since XXXX of XXXX. I have not missed a payment as of the setting up of the new loan terms in XXXX of XXXX. I have the account set up as a direct ACH draft from my checking account. 
This is not my interpretation, but of a credit analyst with XXXX XXXX XXXX, which reviewed the documentation provided to me by the Creditor.
Consumer complaint received 2023-04-28
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. (NC)

The company has been provided with an official student loan deferment document that was signed by a school administrator. The company refuses to cooperate with federal laws that govern credit reporting. 

I would like to reference these credit laws/act that protect consumers against negative reporting by bureaus and creditors. 

The Fair Credit Reporting Act ( FCRA ) - The FCRA requires that credit reporting agencies maintain accurate and complete credit reports for consumers. If you believe that the late payments on your federal student loans account are being reported inaccurately, you can dispute the information with the credit reporting agencies under the FCRA. 

The Higher Education Act - The Higher Education Act includes provisions related to the reporting of student loans to credit reporting agencies. Specifically, the Act requires that credit reporting agencies remove any negative credit reporting related to a defaulted federal student loan if the borrower enters into a rehabilitation agreement and makes nine on-time payments in a ten-month period. 

The Department of Education XXXXs Credit Reporting Guidance - The Department of Education provides guidance to loan servicers regarding the reporting of federal student loans to credit reporting agencies. This guidance includes information about how late payments should be reported and may provide grounds for disputing any inaccurate information on your credit report.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/2023 I opened mail held by the XXXX since XX/XX/2023. I received an unsolicited credit from XXXX in my name and a bill from same for $ XXXX. I did not request a credit from XXXX or incur any charges with XXXX XXXX. First, on XX/XX/2023 I reported by telephone to Comenity CapitaI Bank ( the issuer of the card ) that I did not request the card nor incur the charge. On XX/XX/2023 I received a letter from Comenity Bank requesting information or to indicate that I believed I was a victim of identity theft. I sent a letter on XX/XX/2023 providing all the information they required, informed them of my Identity Theft Report with the FTC, and requested they send me documentation of their claim that the charge was not fraudulent. This is information I am entitled to under the Fair Credit Reporting Act. No documents have been received, despite a third attempt in a letter dated XX/XX/2023.
Consumer complaint received 2023-04-28
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. (FL)

XXXX XXXX {$340.00} XXXX {$340.00} XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$5400.00} THIS ACCOUNT WAS ADDED TO MY CREDIT REPORT .I WAS A VICTUM OF FRAUD AND HAVE NO KNOWLEDGE OF THESE ACCOUNTS. I NOTIFIED TRANSUNION XXXX AND XXXX WITH A IDENTITY THEFT REPORT TO LET THEM NO THESE WASN'T MY ACCOUNTS. I HAVE NOT HEARD ANYTHING BACK FROM THEM AND ALL ITEM ARE STILL ON MY CREDIT REPORT. CAN YOU PLEASE LOOK INTO THIS MATTER AND DELETE FROM MY CREDIT FILE.
Consumer complaint received 2023-07-18
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. (TX)

identify you and your account. 
In accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently received my credit report XX/XX/2023. I am writing to dispute the validity of the debt that you are attempting to collect in accordance with 15 USC 1692b. I am referring to the complete credit solutions account. With a past due balance of {$2300.00}. Please provide me with the following information : 1. The name and address of the original creditor 2. The original account number 3. The amount of the debt 4. Proof that you are authorized to collect this debt I also request that you cease all communication with me regarding this debt until you have provided me with the above information. Under the Fair Debt Collection Practices Act, you are required to provide me with this information within five days of receiving this letter. 

Please note that I dispute the validity of this debt and I am requesting that you provide me with proof of the debt in question. 

I am requesting that you investigate the disputed item and remove or correct any inaccurate information. 

Sincerely, XXXX XXXX