davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
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 items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-08
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. (NJ)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX  XXXX XXXX
Consumer complaint received 2023-04-27
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-24
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CLGF Holdco 1, LLC (TX)

Indigo XXXX released private source data information to a third party collection agency that is located in California licensed number XXXX and are not lawful permitted to collection activities in the state of California. Violation of admissible purpose, violation for reporting false and fraudulent information on credit report with out validation and or consent. This collection agenc continues to reach out to me via text message after a cease and desist communication has been sent
Consumer complaint received 2023-11-09
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SANTANDER HOLDINGS USA, INC. (DE)

I previously filed a complaint with CFPB with Santander ( case XXXX ). They responded on XX/XX/XXXX that they removed me from receiving solicitations in XXXX however this past Saturday ( XX/XX/15 ) I received a solicitation ( attached ) for a credit card from them. They clearly have a suppression problem and are violating Do Not Solicit Laws. This is now becoming harassment.
Consumer complaint received 2023-09-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX, is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$5500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

THE COMPANY RESPONSE AS THIS IS A IDENTITY THEFT AND THE ACCOUNT DOES NOT BELONG TO ME. 




XXXX XXXX XXXX is a third-party collection agency headquartered in XXXX, Florida. Since XXXX, XXXX XXXX XXXX XXXX has provided effective collection services for its clients in the multifamily, commercial, and funeral industries. XXXX XXXX does not purchase or own debt ; it collects on accounts referred by its clients. XXXX XXXX and its people are committed to ensuring that the consumer is dealt with in a professional, caring manner. Complaint # XXXX and the attachments have been reviewed. We have also reviewed our collection notes and records. The consumer states she is a victim of identity theft, and the debt does not belong to her. The consumer also indicates the balance reported to her credit file is fraudulent. Subsequently, the consumer requests to remove the debt from her credit file. XXXX referred an account to XXXX XXXX for collection on XX/XX/XXXX, listing the principal amount due of {$5500.00}. The initial collection letter was sent to the consumer on XX/XX/XXXX. On XX/XX/XXXX, the consumer recognized ownership of the debt. On that occasion, the consumer requested payment options and unfortunately, the call got disconnected. We are enclosing for the consumers records, copies of the documents including the account ledger, lease agreement, move-out inspection pictures, and repair cost invoices ( personal information has been redacted ). A review of this information may help the consumer examine the nature of the charges. If the consumer does not recognize the debt as hers and would like XXXX XXXX to investigate based on fraud, XXXX XXXX requests that the following information be provided as soon as possible : 1. Copy of the police report filed. 2. Copy of identification. Acceptable forms of identification include : Social Security Card Valid drivers license/identification card/passport 3. Any additional documentation supporting your claim of fraud. The requested information can be mailed to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Fax- XXXX XXXX The account has been placed under a hold status. If the consumer has additional questions, she may contact XXXX XXXX XXXX XXXX XXXX 's Consumer Resolution Department at XXXX or via telephon
Consumer complaint received 2023-09-03
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: EQUIFAX, INC. (NJ)

I am writing to formally dispute the following inaccuracies on my Equifax credit report, which I initially contacted Equifax about on XX/XX/XXXX. As of the current date, I have not received any response from Equifax regarding these issues. Below, I provide the details of the erroneous information and the required corrections : The account listed as XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) was never late. I kindly request that you correct/update this inaccurate information on my credit report. 


The account with the account number XXXX, identified as XXXX XXXX ( Date Opened : XX/XX/XXXX, High Credit : {$8000.00} ), was never late. Please correct/update this erroneous information on my credit report. 


The account with the account number XXXX, labeled as XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$350.00} ), does not belong to me. I request that you promptly remove it from my credit report.
Consumer complaint received 2024-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC (FL)

I reached out the Flagship credit acceptance regarding inconsistency in statements compared to the portal and payment amounts paid through a customer service rep. Every time I call regarding what is my TRUE amount I need to pay, every representative give me inconsistencies in my why I am charged certain fees. I have been late in the past and made extra payments to make sure my account is current but everything I make a payment- sometimes more than the amount due, my new statements show I what " unpaid '' late fees. When I call regarding these fees, I'm being told that payments I'm making, some of them are going towards the principal and some are going towards interest. However, my payment amount is on average {$580.00} a month. I was told you get a 11 day grace period anything after is a {$25.00} dollar late fee applied for that month. I would pay extra, for instances in the month of XX/XX/XXXX, I made 3 payments averaging XXXX dollars to cover " unpaid '' lates fees. Then on the portal my account would be " current. '' The next statement rollout for the next month, it would say " unpaid late fees '' with the same amount. When I call to question this, I have a hard time getting a manager on the phone or a call back to explain after all the extra payments, why is my account still considered " late '' and the same amount of unpaid late fees is shown on my statement. When I was able to speak to a manager on XX/XX/XXXX, on a recorded line I was told my payments wasn't actually going towards what is shown on my statements. Because a lot of my payments are going toward interest, Flagship itself isn't getting paid and so the amount I'm actually paying including late fees is not a true balance because the money is not being applied to late fees. I was told I was going to receive a call back from her manager, however she never collected updated contact information to follow up.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (WI)

On XX/XX/2023 at XXXX XXXX, I received text messages from my bank, Citibank , informing me that my online banking password had been changed. There was no request for verification or 2-factor authentication. Within 15 minutes, two wires left my account in the amounts of {$1700.00} and {$1800.00}, so there was no time to stop them even if I had seen the texts immediately. I called Citibank Fraud Prevention and they were no help. 

On XX/XX/XXXX, I went to the nearest branch in XXXX XXXX, Illinois to fill out affidavits stating that I did not steal my own money. While in that branch, I randomly encountered another customer who had the EXACT SAME issue : two wires for {$1700.00} and {$1800.00}. This means it was a systematic, organized cyber crime attack by a sophisticated, external threat actor. But that customer 's funds were returned to his account the same day because he was a high net-worth banking client. 

After that, I spent four hours per day researching, emailing and calling Citibank managers and regional VP XXXX XXXX XXXX to get my funds returned. But they only pushed my case around from one investigator to another. I informed them I would be reporting this to all relevant financial and criminal authorities, including the SEC for possible violation of the new 4-day Disclosure Rule for public companies to report a material breach of customer data. 

On XX/XX/XXXX, my mother was tragically killed in a house fire and I have been engrossed for the past eight weeks in dealing with the aftermath, including police, fire, and insurance investigations. Needless to say I have been unable to pursue my fraud claim with Citibank to get my funds returned. And I have not heard from the bank. 

I finally filed a complaint with the FBI today. And after I finish this complaint with your office, I will try the FTC and also the Attorneys General for IL and WI ( recommended by your support staff on the phone ). 

Doing some online digging, I found that Citibank has a history of letting their customers get scammed with weak account security protocols and fraudulent wire transfers that they do not return. Based on this XXXX XXXX XXXX XXXX XX/XX/2023, I spoke with attorney XXXX XXXX who is representing several clients against Citi for the same type of scam XXXX XXXX XXXX XXXX For documentation of facts, names, and communications with Citi staff and management XXXX I have over 20 emails in one chain I can provide. I also have photos of texts and screenshots of the fraudulent wires, all with dates and times.
Consumer complaint received 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Momnt Technologies, Inc. (CO)

On Thursday XX/XX/XXXX, I visited XXXX XXXX to learn about their medical treatments. They charged me {$25.00} for XXXX diagnosed my problem, and recommended their XXXX at $ XXXX dollars. I would later find out the person reading the XXXX  was actually the sales manager, not a medical professional. I told that person, ( XXXX XXXX ) I would likely pay cash if I went forward with this. XXXX XXXX gave me misleading and coercive information about a discount I could have if I applied for a loan from an entity he would direct me to online. In his presence, he directed me on my phone, at times handling my phone to apply for this loan. During this visit he said I could cancel the treatment if I changed my mind, an provided me wtih a written refund policy. I was eventually approved. 

A day later I called XXXX XXXX and cancelled the service. I never was given a statement from them showing any kind of credit of {$10000.00}. Later that day I received a call from MOMNT about my " loan ''. I call back and told them I had cancelled the service, and if they had fully funded XXXX XXXX they needed to reverse the disbursal. 

Two days later I received a statement from MOMNT showing my " balance '' of {$10000.00}. I then contacted XXXX XXXX and requested a refund. They never acknowledged my request. A second written request was undeliverable as XXXX XXXX  had closed. 

About two months later MOMNT contacted me about irregularities in the loan application process. I went through all this with them. On XXXX oXXXX XXXX XXXX i received an email from MOMNT saying that an investigation had shown there was no identify fraud. I reopened another investigation ( still pending ) as I had contacted all parties early on and stated that I 1. NEVER received a good nor service, 2. I had never had possession of the {$10000.00}, XXXX never was provided with a receipt of balance from XXXX XXXX 
At this time the principal proprietors of XXXX XXXX have filed XXXX XXXX bankruptcy. 

I have contacted the Trustee for these two individuals behind XXXX XXXX and asked to be considered a " debtor '' to this liquidation. 

What is my liability and exposure long term on this? 

This " loan '' from MOMNT is a two year, no interest loan. It is now on month 11, and the clock is ticking to get resolution.
Consumer complaint received 2024-04-23
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. (PA)

I am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. This creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 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 plan as late for any purpose
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (AZ)

I disputed this account XX/XX/2023 & XX/XX/2023 via Phone which NCA XXXX confirmed on a recorded call which the rep was aware. Nca hasn't respond to my disputes until XX/XX/2023 via CFPB XXXX past 30 days to validate this debt. which violate 1692e ( 8 ) they never marked my account. they also failed to provide documents / proof on how my balance is {$880.00} the documents they sent on XX/XX/2023 show the balance is {$800.00}. Also the original creditor still reported inaccurate, NCA say the original creditor is Check Smart, on my credit report it report XXXX XXXX but on the documents shows XXXX Check Cashing of Arizona XXXX, im attaching documents of the late response from NCA on XX/XX/2023 & the original contract to prove they attempting to collect the wrong of amount of XXXX the paper work show the balance is {$800.00}.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (DC)

American Express violated the Fair Credit Billing Act. This law grants the right to dispute a charge with a card issuer and to withhold payment on a disputed charge until an investigation is complete. On XX/XX/2024, American Express reopened my fraud claim after I obtained new evidence independently. However, they continued to charge me interest on the disputed amounts during the two-month investigation. During phone calls with the bank, they requested that I continue making payments for the fraudulent charges.
Consumer complaint received 2024-03-25
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

This is a violation of my HIPAA rights by law, and demand that this medical debt be removed immediately from my consumer report. Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) defines medical debt. The Fair Credit Reporting Act ( FCRA ) is the main statute that regulates credit reporting. Section 602 of the FCRA states that consumer reporting agencies should exercise fairness, impartiality, and respect for consumer privacy
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (TX)

My daughter, a minor, had a membership with XXXXXXXX XXXX  XXXX and due to injury, no longer went, continued paying without attending the gym. The membership was closed properly through XXXXXXXX XXXX XXXXXXXX and cancellation form was completed XX/XX/XXXX. All business with XXXXXXXX XXXX XXXXXXXX was complete. On XX/XX/XXXX, a notice was sent to my daughter. XXXXXXXX XXXX XXXXXXXX either fraudulently sold my daughter 's ( a minor/child ) information to a law firm : Aldous & Associates XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX as a notice was sent to her and received XX/XX/XXXX or this is a company attempting to scam minors. I do not trust calling this firm as this seems shady to send a collection to a child for the amount of XXXX. This is not owed and perhaps, they are scamming people to try to acquire money or XXXXXXXX XXXX XXXX is selling people 's information for the same reason.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Source Receivables Management LLC (GA)

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : SOURCE RECEIVABLES MNG ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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. (IL)

XXXX XXXX XXXX  Account Numbers : XXXX '' and XXXX XX/XX/XXXX XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXXXXXX Account Numbers : XXXX '' and XXXX XX/XX/XXXX XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX XX/XX/XXXX Amount : {$6600.00} I expressed to XXXX XXXX XXXX, and Equifax XXXX these are fraudulent accounts and were never accounts belonging to me. These are adversely effecting my credit on all three bureaus. I have sent multiple letters to all three bureaus with my requests, asking for documentation bearing my electronic or wet ink signature supporting these accounts to no avail.
Consumer complaint received 2023-04-27
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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
Consumer complaint received 2023-03-31
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.