davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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. (VA)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-04-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quantum3 Group, LLC (VA)

The debt collector Quantum filed q bankruptcy proof of claim for medical services received at XXXX XXXX XXXX XXXX on XX/XX/XXXX. ( Attachment 1. ) When I visited the XXXX XXXX on that date, I presented my XXXX XXXX XXXX XXXX XXXX  ) insurance card. With XXXX XXXX plans, the private insurer is responsible for paying all medical bills instead of traditional XXXX. ( XXXX XXXX. ) In my experience, when visiting other doctors and providers, I have only needed to provide my XXXX XXXX card, and my claims were always paid. No other provider had previously asked me for my traditional " XXXX XXXX XXXX XXXX '' XXXX card. 
However, during my visit to XXXX XXXX on XX/XX/XXXX, the admitting staff insisted on seeing my traditional XXXX card in addition to my XXXX XXXX card. Despite this being an unusual request, I was experiencing a medical emergency and was not in a position to argue.

Later, I received an Explanation of Benefits from XXXX stating that they would not pay this claim because I have a XXXX XXXX plan, and the claim should have been submitted to my private insurer instead. I promptly emailed the medical provider with a copy of my XXXX XXXX card and explained that they needed to bill that insurance.

Unfortunately, I did not receive any further communication about this XXXX XXXX bill until I
filed for bankruptcy about a year later, on XX/XX/XXXX. At that time, the debt collector Quantum filed a proof of claim in my bankruptcy case for {$990.00}.

Since the medical provider failed to properly bill my insurance company, despite my providing them with my valid XXXX XXXX card XXXX, I do not believe I should be responsible for this bill.
Consumer complaint received 2024-01-30
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account #, In the annual credit report, there is no account number, only name and date. 
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 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
Consumer complaint received 2018-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

I do not owe any one money. I paid all my doctors bill and every other bill I have so I don't understand why they keep calling me. Then they want my personal information and they will not tell me who I owe money to. I have not received any late or collection bill either so I don't know what they say I owe. I asked they to mail me a letter again they want my personal information with I will not give. Please help.
Consumer complaint received 2024-01-29
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)

XXXX is reporting a bankruptcy. I would like the documents to at authorized them to do so. According to federal law any consumer reporting agency furnishing data must have the written consent of whom it relates. XXXX does not have my permission to report this alleged bankruptcy and I have a right to privacy.
Consumer complaint received 2024-07-11
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. (MS)

I submitted a dispute two weeks ago demanding removal of a late payment still being reported on my credit file after the company agreed to remove the late payment of XX/XX/year>. I submitted the letter/agreement from XXXX XXXX XXXXhat stated the credit reporting agencies would remove that late payment and update the payment status of the account. Credit reporting agencies Transunion and XXXX refused to do so after claiming they investigated my dispute. 

Automated and cookie cutter time wasting responses from credit reporting agencies are the normal routine when comsumers attempt to fix errors on their credit file. This is wrong and gross disregard of FCRA laws and operating in good faith.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The situation in my credit report is causing deep distress and profound disappointment. It is not only highly embarrassing but clear that either you or the company is accountable for reporting this inaccurate information. Please remove any late payment notations and update the status to " paid now '' or " as agreed. ''
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (AZ)

I contacted XXXX XXXXXXXX XXXX in regards to XXXX separate reports made to XXXX XXXX XXXX XXXX in the 36 months prior to XX/XX/year>, disclosing sensitive Nonpublic Personal Information in regards to my Consumer Checking Account. In my Agreements with XXXX XXXXXXXX XXXX, I was told my information would never be shared with any third party non-affiliate. In their words, they dont share. I asked XXXX XXXX XXXX to provide evidence that XXXX XXXX XXXX XXXX is in fact a direct affiliate or compensate me for damages in alignment with the Willful Noncompliance remedies set forth in FCRA. ( 15 USC 1681n ) XXXX XXXX XXXX has refused to respond in writing to these findings or compensate me for violating my privacy among other damages. JP Morgan Chase also reported my XXXX no less than XXXX times and requested information about me at least once in the same time frame, however I do not, nor have I ever had any kind of an account with JP Morgan Chase. They are subject to regulations and statutes that would prevent them from ever making that report and receiving that information. They would also be required to provide an opportunity to Opt out. And then theres the issue of how did they have access to my XXXX XXXXXXXX XXXX checking account information to be able to report these transactions. And Lastly, there was a checking account opened with XXXX that was reported to XXXX XXXX XXXX XXXX with fraudulent information, including an address I have never seen, a phone number Ive never had, and an email address that Ive never seen and is clearly fraudulent. Not only is the account not mine, but I do not have any Military family members nor am I in the military, so I have reason to believe XXXX opened it on my behalf fraudulently, and reported it to XXXX XXXX XXXX XXXX without my permission. According to the XXXX XXXX XXXX report I received also shows the XXXX account that was opened has been closed and the information was purged, which is a violation as it is required for all Banks to hold information pertaining to accounts for at least 5 years, and it was opened and closed within 1 year.
Consumer complaint received 2024-05-08
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. (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.

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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX 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 ( XXXX XXXX XXXX ) 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 XXXX  days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

I am writing to file a formal complaint against XXXX XXXX  and American Express, XXXX XXXX XXXXXXXX regarding the misuse of my credit report, which violates federal laws and my consumer rights. I want to emphasize that I have already opted out previously from having my information reported, yet XXXX XXXX  and American Express, XXXX  XXXX XXXX disregarded this opt-out and unlawfully reported information on my credit report, which is a clear violation of federal law and my rights. Furthermore, pursuant to 15 USC 1681 ( b ), which outlines permissible purposes for obtaining a consumer 's credit report, XXXX XXXX  and American Express, XXXX XXXX  XXXX did not obtain my written consent to furnish any information on my credit report, nor did they provide me with the option to opt out. This is a direct violation of my rights under this federal law. Their actions also violate the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies and certain other organizations. By unlawfully reporting my information without my consent and ignoring my opt-out request, XXXX XXXX  and American Express XXXX XXXX XXXX XXXXXXXX have XXXX upon my privacy rights. Moreover, it is unlawful to report transaction history on a credit report without proper authorization, as stated in 16 CFR 313.7. This regulation prohibits the disclosure of sensitive personal information without the consumer 's consent, further highlighting the severity of these violations. Additionally, 16 CFR 433.2, which addresses the preservation of consumer claims and defenses, is relevant in this context. This regulation ensures that consumers have the ability to assert their rights and defenses, including the right to dispute inaccurate or unauthorized information on their credit reports. I demand that XXXX XXXX  and American Express, XXXX  XXXX XXXX immediately remove the inaccurate reporting from my credit report and update it to reflect that the debt is paid in full. Furthermore, I demand that they provide the following documents : the account ledger, forward flow agreement, and chain of title. Failure to provide these documents would indicate that they can not prove that anything is owed at all. Moreover, I want to highlight that XXXX XXXX  and American Express, XXXX XXXX  XXXX have committed identity theft by mishandling my social security number, which is a serious violation of my privacy and security. Neither XXXX XXXX  American Express, XXXX XXXX XXXXXXXX, has the right to use the non-mailable addresses they have on file, and all communication must only be through the Consumer Financial Protection Bureau ( CFPB ). Failure to comply with these demands may result in further legal action. I expect immediate action to rectify these violations and ensure that my consumer rights are upheld in the future.
Consumer complaint received 2023-08-17
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)

I am the victim of identity theft. For over 3 years now I have been sending paperwork over and over and over and over and over to these stupid bureaus and they keep disregarding it. I understand that the creditor is saying it belongs to me BECAUSE THAT IS WHAT XXXX XXXX XXXX XXXX, A PERSON IMITATING ME. I did not say it was a strangers information, I said it was FRAUD. I have provided a police report, identity theft affidavits and several FTC reports. My information was exposed in the XXXX data breach. They are violating my federal rights. I am trying one more time to reason with them or I really have no choice but to sue them. No one seems to be doing anything to investigate the fraud or the theft of my identity and I am being harmed by this. Please help me! My drivers license and social card are attached here so that you have my information available.
Consumer complaint received 2024-06-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capstone Credit & Collection, LLC. (FL)

On XX/XX/year>. Me and management for ( XXXX XXXX XXXX XXXX XXXX ) had agree that due to the mold in my apartment, i would only have pay my current month rent and they will keep my deposit and my last month rent that i had paid when i move in to cover the remaining expenses and i would owed nothing afterwards. As stated in the emain which i took a screenshot and attached as in attachment. You will see for yourself that management stated THAT EVERYTHING WILL REMAIN THE SAME, MEANING OUR AGREEMENT THAT WE BOTH HAD AGREE TOO. AND THAT I WILL OWE NOTHING ONCE I MOVE OUT.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX fraud/security departments do not respond to any of my communications due to their fraud and guilt, please see the attached and kindly have it forwarded to the fraud/security department ( s ) for processing with an account credit of {$23000.00} plus interest and a credit report correction due to their misleading action of instructing me to not pay the fraudulent charges on my account causing a 30 day past due reported on my credit reports. This non-disclosure, lack of communication and false reporting is clearly a sign of guilt on XXXX XXXXXXXX XXXX behalf.
Consumer complaint received 2024-06-14
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: EQUIFAX, INC. (TX)

15 U.S. Code $ 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 illeged identity theft, not later than 4 buisness days aftter the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Consumer complaint received 2024-06-05
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: Kikoff Inc. (TX)

I reviewed my Consumer Reports and noticed that I had several late payments that I was never late for. Consumer Reporting Agencies have assumed a vital responsibility to report Consumer information to the best of their ability and as accurate as possible. I have never been late. In accordance with the Fair Credit Reporting KIKOFF Acct # XXXX and XXXX XXXX, XXXXhas violated my rights. 15USC 1681 Section 602 states that I have the right to privacy. 15USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. The credit bureaus stated my account was properly investigated within 30 days and how is that possible when all the dates reporting is inactive, the date of last activity is inaccurate, it has has never been verified.
Consumer complaint received 2024-01-30
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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. (NJ)

Transunion is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors ( listed in my letter ) consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. That is violation of my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement.How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements? Violations committed by Transunion. XXXX U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2024-06-14
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: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP (UT)

I reviewed my credit report and noticed an account for XXXX that I did not recognize. I contacted XXXX. After speaking with XXXX, they confirmed there is no account under my name. Despite this, the credit bureaus continue to report the account. I have spoken with the bureaus over the phone and sent a police report documenting the fraud, yet the account has not been removed from my report.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

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.