davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good evening I received a response from TransUnion about a couple disputes I sent to them about a XX/XX/XXXX. One being a XXXX XXXX closed account that was reversed. from current payed account to late 30 days I need you to look at this and make it make sense because maybe my eyes bad first off transactions and or expressions are not apart of ones consumer report 15 USC 1681A ( 2 ) ( a ) so reporting an account like this is illegal and two how can something be late if its shows it was payed the same month and year they claim it was late The Second dispute is for XXXX XXXX account which is reporting a LATE PAYMENT XX/XX/XXXX once again TransUnion did not address the issue of it being illegal to report Late Payments 15 USC 1681A ( 2 ) ( a ), or how about 15 USC 1666B TIMING OF PAYMENTS, and 15 USC 1666 CORRECTION OF BILLING ERRORS, XXXX XXXX XXXX I didnt ask for the account to be verified they think they can just say its verified and think thats it I told them the information that you are reporting is private and I did not give permissible purpose to report sell or furnish my private information to any third party consumer reporting agency first off and secondly LATE PAYMENTS REPORTING IS ILLEGAL as I stated for all of these companies that choose to report TRANSACTIONS and transactions and or expressions are not apart of a Consumer Report, Consumer law prohibits this type of reporting, they dont care about the law I inform them of these errors and they refuse to correct them because they think they can do what they want this complaint is the next step in having you step in to make them abide by consumer law next I will be suing because XXXX tied of the disrespect
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SUN LOAN COMPANY INC. (CT)

I had an inquiry on my credit report that showed in the fall approx XXXX from Sun loan and tax service. I called them and they said since i did not live in Texas or any state they do business in that it was obviously an error and I should not be concerned. XXXX XXXX received an alert from XXXX of a delinquent account and I contacted the /Sun loan company spoke to XXXX XXXX. She asked me to submit in writing or email the dispute. I did but have not heard anything else. At this time I put in Dispute with XXXX and froze my three credit bureaus and ( XXXX I filed a dispute the following week ) Today I was alerted that XXXX verified the account as correct and it is absolutely not! 
According to my report it was originally for {$1700.00} and now is up to {$2600.00}. 
I have had outstanding credit for many years and I would not risk my credit for this tiny amount of monies. I have worked hard for my credit! XXXX needs to fix this. Sun Loan needs to fix this. If Sun loan is doing people 's loans and taxes they should be more diligent in who they give money to and verify the persons identity!!!

I also contacted Sun loan again today.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXXDO NOT CONFUSE ME WITH RELATIVES WITH THE SAME NAME OR ADDRESS. VERIFY ALL IDENTIFYING INFORMATION.DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYINGINFORMATION. 

XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX
Consumer complaint received 2022-03-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: S&S Physician Services, Inc. (TX)

To whom it may concern, I received a bill from you on XX/XX/2021 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is an alleged debt from XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any 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. 
Please send this information to my address and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back. 

Also, note that the Texas Statue of Limitations is 4 years. The alleged debt is 4 years old.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

A continuation of my harassment by I.C. System notwithstanding my prior complaint XXXX about a purported debt I do not owe. I received an I.C. System " Account Update '' dated XX/XX/XXXX ( attached ) stating ( in apparent response to my XX/XX/XXXX complaint XXXX ) : " confirmation that I.C. System will no longer pursue collection of this account and will return it to XXXX XXXX, Powered by XXXX. '' That caused me to accept that my complaint was resolved. That was wrong. 
Just 9 days after its XX/XX/XXXX " Account Update, '' I.C. System sent another collection letter dated XX/XX/XXXX ( attached ), purporting to be an " Account Validation. '' As purported " validation, '' I.C. System sent the same bogus XXXX invoice dated XX/XX/XXXX I.C. System previously sent to me on XX/XX/XXXX ( attached ). I informed I.C. System by letter dated XX/XX/XXXX ( attached ) that I had never previously received that XXXX invoice or any other communication from XXXX because I've never had a business arrangement with XXXX. I demanded in my XX/XX/XXXX letter, as I have in my XX/XX/XXXX letter, my XX/XX/XXXX letter, my XX/XX/XXXX letter and my XX/XX/XXXX XXXX letter ( each attached ) ( a ) evidence that I ever had a business arrangement with XXXX ; ( b ) proof that the modem on the bogus XXXX invoice was XXXX XXXX ; and ( c ) evidence I ever got the bogus XXXX invoice or any other communication from XXXX. No such evidence or proof has ever been furnished. I.C. System is engaged in consumer harassment without evidence or proof that I owe anything for XXXX or hold any modem that XXXX can prove it owns. I want this harassment stopped. I.C. Systems obviously undertook no diligence to verify I owed anything to or hold any property of XXXX. Yet I.C. System has persisted in harassing me for two years. If that is not consumer abuse, what is? I.C. System needs to be legally disciplined because, based on review of consumer complaints about I.C. System to the XXXX XXXX XXXX, harassing consumers to extract money they do not owe is an all too common and legally questionable tactic.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FactorTrust, Inc. (NY)

I am writing to file a formal complaint regarding instances of identity theft that have adversely affected my credit report. The personal information listed below pertains to accounts that I did not open, they are the result of identity theft. 
account listed are identity theft accounts Account Information : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. I did not open this account and did not give consent for its creation. 
Account Information : Account Name : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. 
Account Information : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. 
Account Information : Account Name : XXXX XXXXXXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. 
Account Information : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. 
I request your prompt assistance in investigating these matters and taking appropriate actions to rectify the inaccuracies on my credit report resulting from these fraudulent accounts. Additionally, I would appreciate guidance on any steps I should take to further protect my identity and prevent any future unauthorized activities
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Requested that TransUnion Consumer Services remove all outdated personal information from my credit report as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate, incomplete and can not be proven or verified as accurate.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One sent a grotesquely false email stating I needed to pay a balance and was not able to use my card when I already had paid the balance. This type of casual and cavalier misaccounting of funds is unconscionable and has directly harmed me.
Consumer complaint received 2023-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

I have contacted Nelnet as well as opened a complaint on XXXX because Nelnet is inaccurately showing that some of my federal student loans are in a standard repayment plan while the others are showing ( accurately ) that they are in the PAYE program. This has made it nearly impossible to determine what repayment plan currently being offered is best for my financial situation. I contacted Nelnet originally two months ago, on XX/XX/2023 and opened a complaint on studentaid.gov on XX/XX/2023. As of today ( XX/XX/2023 ) I have not received any kind of helpful information, verification of the payment plan, or a reason for such a delayed response.
Consumer complaint received 2024-02-05
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

I received a {$200.00} XXXX gift card for my birthday. I followed the instructions and activated the card at XXXX I tried to use it to purchase items at XXXX and several other online retailers, and at drug stores XXXX and XXXX and at a fast food business. It wasn't accepted anywhere.
Consumer complaint received 2024-02-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (CA)

SRM XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX RE : Collection Letter SRM Account XXXX, XXXX Account XXXX CC : XXXX, Consumer Financial Protection Bureau To Whom It May Concern, In XXXX of XXXX, I received a collection letter from SRM. This letter referenced SRM account number XXXX and XXXX account number XXXX. I requested more information including who about the source of the debt, and on XX/XX/XXXX I received a follow-up letter ( copy attached ) confirming that the Responsible Party for this debt is XXXX XXXX XXXX 
I had previously discussed this with XXXX back in XXXX and with another collection agency, XXXX XXXX XXXX on XX/XX/XXXX. It is obvious that XXXX sold this debt to XXXX who has now sold it to SRM. 

I was a formerly employed by XXXX XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. My employment ended in XX/XX/XXXX. I was not an owner or corporate director. My understanding is that subsequent to my departure, XXXX XXXX XXXX, XXXX was rebranded as XXXX XXXX XXXX and moved their corporate headquarters from XXXX XXXX, CA to XXXX, TX. 

Any XXXX accounts related to XXXX XXXX XXXX were opened up as an employee of that business, under their direction, paid for by them, for their sole use, and their debts and obligations remain the property of that business and its owners or assignees. 

I have subsequently become aware that SRM has posted this information, incorrectly, to my personal XXXX credit record. It is abundantly clear that SRM is aware that this debt belongs to XXXX XXXX XXXX and not myself. As a collections agency, SRM should be fully aware that corporate debt is not the obligation of former employees, particularly where those employees left the company prior to the company incurring the debt. SRM appears to be blatantly attempting to apply corporate debt to my credit file in a knowingly fraudulent manner. 

I am formally requesting that SRM : immediately correct and clear the credit records of XXXX and any other credit agencies ; stop attempting to post corporate debt to employees ; cease and desist from contacting or bothering me regarding this debt. 
I have reported and disputed this with XXXX and have reported SRM to the Consumer Financial Protection Bureau.
Consumer complaint received 2024-04-24
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. (AL)

To whom this may concern, I recently took notice of my credit report having inquiries on my credit report that I did not authorize. According to 15 U.S. Code 1681c2 ( b ), a consumer reporting agency shall promptly notify the furnisher of information identified by the consumer that the information may be a result of identity theft. 

To XXXX, the following inquires were not authorized : XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX To TransUnion, the following inquiries were not authorized : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-05-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC (PA)

I acknowledge the validity of the debt. 

The company calls me multiple times every day. Some days it is in XXXX hour to XXXX minute intervals. 

The number they are calling from closely resembles XXXX XXXX I have also received several text messages. 

The calls are more than XXXX in a 7 day period. 


I answered a call today XX/XX/2023 to find out it is Card services for my XXXX PLATNUM MASTER CARD Ending in XXXX. 

They claim last contact was beginning XX/XX/2023, but phone record from this past weekend ( XXXX ) show otherwise I requested a settlement option before filing a complaint or taking them to court for violation of debt collection law. 

My settlement option was to keep the account active, open, and wipe the full balance due which is less than the minimum {$1000.00} I can sue them for ( plus court costs ). 

They tried to change it to a payment settlement where I PAY. 

Asked for a supervisor, was told they were busy and said I would wait on hold. The call terminated without speaking to a supervisor. 

I am attaching missed call and call log record screenshots as evidence. 


Called back and had to wait from first to XXXX caller Explained to agent and requested a supervisor.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Silverman Theologou, LLP (MD)

I have contacted XXXX XXXX after the last response for the CFPB and I could not get anyone to respond to the offers stated in the previous complaints. Several months have passed and they have pursued a garnishment of my wages after attempting to settle the matter outside of court in numerous ways. I have been forced to discuss chapter XXXX options to aviod being garnished. I was told on XX/XX/23 that they will accept XXXX to settle, I am seeking assistance to resolve this matter with XXXX XXXX. I called several days in a row after the last coorespondence and no one would take my call.
Consumer complaint received 2024-05-01
Product: Credit reporting 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. (MN)

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries all unauthorized and is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX these illegal inquiries are reported illegally on my check systems report, XXXX report, XXXX report, and Trans Union report. It must be removed ASAP. Also, my check systems report has many errors including my date of birth of XXXX XXXX, XXXX which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXX.also, my XXXX XXXX has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.