davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (CA)

This company has been calling me from a number that says " potential spam '' XXXX. They have called 6 times in 3 weeks. When they call they go over my birthdate and my name. They have never verified my address. But they tell me they are calling about a medical bill. I have asked them each and every time they have called as to what hospital this is through, because at the date of service they gave me I had 2 insurances that should have covered everything. They keep telling me XXXX XXXX XXXX. I have Never been to a hospital by that name. I have asked multiple times for a copy of the bill, I need to see proof where this is from. On XX/XX/2023 I got the call again at XXXX. I kept asking the rep over and over for the information for the billing. Instead he transferred me to the supervisor. The supervisor wanted to argue with me, I told him they must stop calling me until they can prove to me where this bill is actually coming from. The supervisor yelled at me, called me a XXXX XXXX XXXX' and hung up on me. at XXXX they called again, I refused to answer. and at XXXX they called again, I spoke to the rep. He stated he can not give me more information, as that is all they have. I got mad and hung up the phone. I am also going to file this complaint with XXXX. As I feel like they are not being honest and are now harassing me. They had called my husband the week prior and told him about a bill, and stated the same hospital, neither one of us never heard of this hospital. But they had talked him into paying a bill over the phone, he didnt understand his rights and was worried about it going to collections.
Consumer complaint received 2023-05-07
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, XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-20
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: Diversified Adjustment Service, Inc. (MA)

I have been disputing a debt collector through XXXX and is always coming Verify witch they never send me no documentation how it comes verify. I have never had a contract with this debt collector.I paid this debt in full because they mentioned they would remove the collection from my credit report witch i didnt know around that time more knowledge to request verification the representative said if I paid this full amount it will gets removed in 30 days. After that, I never got the debt collector removed from my credit report. I believe they used me to get the money. I have the right to dispute this debt collection. As I dont have no contract with them. Please remove this unverified account unless you can furnish a signed contract. Please remove it immediately.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$57000.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$5100.00}, XXXX Balance : {$21000.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX : {$57000.00} XXXX XXXX XXXX  XXXX Balance : {$5100.00}, XXXX XXXX Balance : {$24000.00}, XXXX XXXXXXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$44000.00}, XXXX XXXXXXXX Balance : {$21000.00}, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX, XXXXXXXX XXXX XXXXXXXX Balance : {$57000.00}, XXXX XXXX XXXX XXXX : {$5100.00}, XXXX XXXX Balance XXXX {$21000.00}, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, DEPT OF XXXX XX/XX/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
Consumer complaint received 2023-11-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC (WI)

Loan Depot has denied and obstructed access to government programs for FHA homeowners who are struggling financially. There are multiple programs available to help homeowners who were negatively impacted by Covid. When we contacted Loan Depot to discuss options to help when we were struggling they simply told us to pay when we could instead of offering CARES forbearance, modification, partial claim or repayment plan. After we fell behind and missed a couple of payments we tried to call in to resume payments as their agents suggested. Loan Depot refused to accept our payment and told us we needed to pay all past due payments at once. We asked about options for help and their agents told us that we could not be considered for any options until we got caught up on the missed payments. We have found out from HUD that this is not a requirement and that their agents were not being truthful. Furthermore, we kept calling to discuss this issue and they told us sorry, you need to only communicate with us by email. Now they have started foreclosure proceedings against us. 

We bought our home in XX/XX/XXXX and we live here with our XXXXXXXX XXXX XXXX XXXXXXXX. My husband has worked as XXXX XXXX XXXX for the last 5 years and I have worked as the XXXX XXXX XXXX XXXX XXXX for 3 years. We started having financial problems a few months after XXXX. My hours at the XXXX  were cut and I got sick with XXXX two different times and had to miss work to recover and also quarantine. XXXX had his trucking routes disrupted at first due to XXXX XXXX protests ( he does routes to XXXX ) and throughout XXXX all the way into XXXX his hours were sporadic. Add in inflation and high gas prices and we burned through all of our savings because we wanted to make sure our bills and especially our mortgage was paid on time. Near the end of XXXX we were in dire financial straits and were hoping that Loan Depot would work with us, but were told instead to pay when you can. When we followed this advice we were told that they would no longer accept our regular payment and we needed to pay back the missed payments and current payment in a lump sum which we could not do. When we asked to be considered for options to help struggling homeowners with government backed FHA loans we were told that no help could be offered until we reinstated the past due payments. 

As a result of these misrepresentations by Loan Depot agents, we now find ourselves in the foreclosure process and approximately {$24000.00} behind on our mortgage. Our hardship was resolved in spring XXXX as we are both back to work full time and ready to resume our payments, but Loan Depot refuses to accept anything but full reinstatement to even consider workout options
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (MD)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-04-11
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. (NM)

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 2018-08-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (CT)

I've been attempting to link my debit card ending in XXXX to my Bluebird account, I've received an error message stating to call customer service. This error has persisted over several days now, customer service reps have given me three different answers for error message. Answers include, I need at least a dollar for processing fee to link card, my balance was at XXXX at that time ... Two other answers include there is a system error/that part of site is down, this is as of yesterday, XX/XX/XXXX ... .Third answer is that my bank is declining transaction, the error is on their end ... .Ive called my bank, they are not denying it and show transaction as posted then refunded back.. I called yet again earlier this evening, was told there is actually a block on my account preventing adding funds via debit card. The only reason I can think of for this is that I am currently disputing two items from XXXX on XX/XX/XXXX, for fraud, XXXX will not investigate on their end and keep referring me to Amerex. I do not see what the investigation has to do with me adding funds via debit card and or why there is a restriction on account.
Consumer complaint received 2018-07-16
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: EQUIFAX, INC. (NC)

I submitted a dispute stating debt from XXXX XXXX. was no longer my liability. Equifax did not contact XXXX XXXX to verify this. They just stated that it was my account and closed the investigation.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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
Consumer complaint received 2023-05-07
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. (AZ)

PULLED MY CRETIT REPORT AND THERE IS INQUIRY THAT I DIDNT AUTHORIZED.WHICH ARE : XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/2023, XXXX, XXXX
Consumer complaint received 2023-11-17
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: Experian Information Solutions Inc. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-04-11
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. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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 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 XXXX000.00} XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-05-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (MD)

It is listed on credit report false I make payment on account and continues to state false and late payments on crust report, never received notice of transferring info to credit report and In accordance with the fair credit reporting act privacy, this creditor has violated my rights under 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose Information : account name : CREDIT ACCEPTANCE CORPORATION Account number : XXXX Account type : auto loan
Consumer complaint received 2024-04-11
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. (NC)

I contacted all 3 bureaus on XX/XX/2023 requesting that they remove the stated accounts but I got no response from them. 

RE : Compliance and Procedures To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MO)

I comprehend that under FCRA 605B, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2023-04-19
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. (SC)

I am victim of identity theft. These items are not conducted by me as a consumer : 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 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I opened a bank account with PEDFED with intentions of building a relationship.I applied for a credit card during the process, I WAS APPROVED!!! for a XXXX Credit Line. I was then asked to send in proof of income, I did it was accepted. the customer service rep indicated that my income was high and they get a lot of fraud from XXXX XXXX. I waited 10 days the card never came. I called and I was told that the loan processor wanted to speak with me, I called back and I wasn't able to speak to the loan processor, but the The rep told me they wanted to verify my job, they pretended to call my job, never spoke to me, the guy name XXXX XXXX left a message from XXXX, I'm guessing he wanted to find out my race. I called XXXX back and never got him on the phone, the CSR told me that everything was find and they were sending the card via XXXX. I believed him, and waited a few more days and nothing came. I called back and I was told it was denied. I was shocked because it was already approved, that's not how it works. banks don't lie to their customers. So I wrote a letter asking to reconsider my request which was odd because this bank did everything possible not to honor my approval and then lied multiple times, sent out false letters of the reason. 

I wrote : I was told twice that I was approved. I was told the card was sent out to me via XXXX XXXX yesterday I sent in my check stubs almost 2 weeks ago. I am gainfully employed earning a great income this year with no long-term debt. I was told someone from PenFed called my job and hung up, they have caller ID. I am requesting your reconsideration of the original credit line I was approved for, I have similar credit limits rarely used, My creditworthiness is not the issue. The letter has the wrong information. I am employed and I sent you proof of income. 

I was then told via email to send in my taxes, I said OK but before I could do that I was treated like a criminal, I was told they really didn't want to see my taxes and that they have decided based on my ethnicity and location that they will continue to not honor my approval. Attached is them doing everything not to honor my approval.
Consumer complaint received 2018-08-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Acceptance Corp. (MO)

I received a garnishment judgment on XXXX the XXXX. This year. From Midwest Acceptance. For a auto loan I didn't file for. They used stolen information. I don't have a vehicle from them nor would I have tried. Midwest Acceptance has stolen XXXX dollars from my pay on XX/XX/18. They used a address I have never lived at. I have filed identity theft fraud on my credit. But, they will continue to steal my money.
Consumer complaint received 2024-04-11
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)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-11
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. (FL)

I am writing to dispute the inclusion of certain transactions in my consumer report, as governed by the rules of construction exclusions outlined in 15 USC 1681A. According to this statute, transactions are explicitly excluded from the definition of consumer report. Upon reviewing my report I have noticed transactions have been inaccurately included in the report, which is in direct violation of aforementioned law. I noticed that the transactions was erroneously included, which has adversely affected my credit standing.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX