davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

After reviewing my credit report i must inform you that i am NOT responsible for this fraudulent account. Someone stole my identity and generated a fraudulent account in my name. This is account is closed, fraudulent, and reporting inaccurate information on my report.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY!

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Consumer complaint received 2020-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Palmar, Inc. (VA)

I had XXXX for over 10 years. They didn't want me to cancel even though I was adamant the bill was just getting too expensive. Since I owned the phone and the contract was up my son took the number and transferred to another company. Months later I receive a bill for over {$500.00} with constant harassing phone calls threatening to take me to court etcetera. I filed a complaint with corporate office about the incident and never heard anything else until a debt buyer bought it out.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2023-11-21
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 usc 1692 ( d ) ( 2 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are ruining my reputation by reporting negative info 15 usc 1692 ( g ) ( a ) suppose to send specific information within 5 days never did. 15 usc 1692 ( d ) ( 1 ) and 15 usc 1692 ( c ) I am demanding cease communication this is a cease and desist and dept validation 15 usc 1692 ( g ), 15 usc 1692 ( d ) all companies are harassing me.15 usc 1681 ( i ) all accounts are inaccurate delete accounts
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

My wife and I just applied for a new loan and learned an existing loan with XXXX XXXX was showing to be included in a bankruptcy. We have not filed bankruptcy and we are current on our loan without ever being late. I called XXXX and was told my account is in good standings and it's not their fault it shows this way. I was told to call the credit bureau. I asked for a letter and was told I was told I would have to mail a letter to them and then they could respond with a letter. I went on to explain I am applying for a loan and this mistake is very time sensitive. I asked to speak with a manager and was told no, but someone would call me but no promises it will be today. I called TransUnion and was told I can file a dispute since XXXX reported it this way but it would take 30 days. At this time my wife and I can't proceed with a purchase contract due to this mistake and my credit rating is suffering which will cost me a higher interest rate once this is resolved.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2019-06-04
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: Midwest Recovery Systems (OH)

Midwest recovery systems has put a collection account from XXXX in my XXXX credit report which is not my account. This is the third time they have done this and i had to complain to the XXXX to get it removed which sid happen now i want this account removed from my credit report this is fraud. I also believe this company needs to be investigated about their business practices
Consumer complaint received 2019-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2019, I applied for credit with XXXX XXXX. This application was denied on the basis that I am " Deceased '', as reported by the Experian Credit Bureau. 

I am still very much alive. 

Experian is reporting my death to everyone right now. 

Experian has no telephone number to report this to, and no e-mail ability either. 

I have written to them but they have not responded.
Consumer complaint received 2019-06-04
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc (MD)

I sent several letters to Hunter Warfield trying to find out what my balance is since XX/XX/2019 and they never responded to me. I as to make a settlement offer and they won't respond. I always have the Post Office to send it certified because they have been holding unto my checks until the next month. I sent a check back on XX/XX/XXXX it was cashed in XXXX and I sent another check for {$330.00} on XX/XX/XXXX and they still have not cashed my check. I tried contacting them to find out what my balance is and I get no response from the person that I need to speak with. As of today, XX/XX/XXXX, I am waiting for my check to clear my bank and it hasn't. I am trying my best to pay this account off, but I am getting bad results with speaking to the company and with finding out what my balance is. The letter that I sent with my XXXX payment, they responded and I am being charged {$100.00} interest with late fees and sending my checks in every month on time. Can you please assist me with these issues I am having with Hunter Warfield.
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CA)

I am having great difficulty attempting to negotiate with Paypal credit they keep calling my phone relentlessly. I have explained to them that I had to leave my previous occupation to care for my mother. I am currently working a part time ( 15 hours a week ) minimum wage job and can not afford to pay balance they are requesting. They have refused to negotiate my debt and refused to honor a payment planned that was offered.
Consumer complaint received 2019-06-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: LDF Holdings, LLC (MI)

I have been working with Radiant Cash for approximately two weeks. They initially approved of a small loan for {$400.00}, but when it was sent to my email address, it stated the payment plan and that it was approved only for {$300.00}. I then called and spoke with XXXX who said he would send to the underwriting dept of the discrepancy and that I needed to wait for an email from the underwriting dept as to when they would be depositing my money into my checking act. I called the next day, and spoke with an foreign woman asking about the email. she said I needed to e-sign the agreement, then I would get the email from the Underwriting dept. So I e-signed it on XXXX. On XXXX I called again, and the foreign sounding man said that " Unfortunately, our company has run out of funds. We will put your account on hold until the underwriters tell us to move forward with the funds. We will not take anything out of your checking account until then. '' I will be cancelling again with them as I tried to take out a loan with them on XX/XX/18 but it fell through and I withdrew my application.
Consumer complaint received 2019-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

My loans are now serviced by Navient and I noticed just recently that the loan disbursement dates they have listed do not match the time I was in school and the loans are owned by another bank. I would like a full inquiry on the loans they are servicing. they show a date of XXXX for the distribution but I did no attend school in XXXX we moved from XXXX to XXXX in XXXX. the disbursements should be XXXX and or XXXX. I requested full validation of the account will all payments made to them and the previous servicer. my balance just keeps getting higher.
Consumer complaint received 2019-06-04
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. (NC)

I filed a proper dispute on account # XXXX from XXXX XXXX with Experian. Experian received the dispute XXXX, XXXX 2019. I sent the reporting creditor ( XXXX XXXX ) a request for validation and they received the dispute on XXXX, XXXX 2019. I didn't get a reply from XXXX XXXX, and Experian didn't do a proper investigation or properly mark the account as disputed, which, is an FCRA and FACTA violation
Consumer complaint received 2019-06-04
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. (UT)

XXXX XXXX is reporting some recent lates I should not have on my accounts. I switched over and wasn't able to make any payments at this time. I tried to call several times but my calls were never answered. The accounts are # XXXX and # XXXX and I would like some of the more recent lates removed. These should not be on my account as I was switched over.
Consumer complaint received 2019-06-04
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. (NY)

Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item below to be incorrect. 

1. Account was closed and transferred to another provider paid in full XXXX XXXX Account Number : XXXX This account was on an agreed payment plan after being closed and transferred to another wireless provider by me. This item was paid in full and not a charge off or collection as per a pre-arranged payment agreement with the creditor. 

Please remove the inaccurate charge-off /collection from my credit report.
Consumer complaint received 2019-06-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (FL)

I had opened a security deposit box in XXXX, with TD bank, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Ph No XXXX. I primarily used this security box to store inherited jewelry, gold coins etc. 
On XXXX XX/XX/XXXX afternoon, I went to this branch to close the security box as I was able to secure the security box in XXXX XXXX on XXXX XXXX closer to my residence. I brought in both keys to the security box. The bank official informed me that the security box has been already closed off and there was nothing in that security box. This was a shock to me as I had both the keys with me and both keys are still in my possession. I never went to bank to close the security deposit box. 
I left for XXXX as per my plans. I communicated with the manager XXXX XXXX via emails and demanded what had happened? I am enclosing the copies of email communication with this complaint. 
I found out that : 1. Somebody tried to get in to the security box on XX/XX/XXXX. The information on the entry card was scratched off. 
2. The security deposit box was empty, the inner box wasn't there. 
3. I was informed that with the consent of the bank manager, this security box was closed. 
which is the most absurd and bizarre. No one can close my security box without my permission. 
4. I found out that the person who closed off the security box was no more working there and they can't find him I tried my level best to get some answers from the bank official. My attorney wrote the bank official letters to get resolution. I couldn't get any help, so I filed criminal report against the bank with police. 
I am attaching all the documents in this complaint. If you need any other information, I would be happy to provide.
Consumer complaint received 2020-05-18
Product: Debt collection — Auto 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've recieved a letter on a debt that was deleted from my credit file awhile ago after disputing with the credit bureaus. Then the account was sold to a collection agency XXXX XXXX XXXX XXXX back in XXXX. I disputed and was removed from their systems and given back to XXXX. I filed a complaint back in XXXX. Now this new company is doing the same thing. They are trying to re-age the account. This dates back to XXXX. Now I've submitted proof to show it was deleted from the credit bureaus. When I disputed with XXXX XXXX. So I will do the same with this company. Also since they have not provided me with anything other than a letter to collect I want the following mailed to me in it's entirety : Debt proof : Assignment clause Notarized letter of debt purchase Signed contract from original creditor A copy of their license to collect in the state of NJ
Consumer complaint received 2023-11-21
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. (DC)

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. 

Account Name : XXXX XXXX Account Number : XXXXXXXX  Account Name : XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.