davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: National Commercial Services, Inc (TN)

I sent a letter to NCS-National commercial services - onto XXXX XXXX,2015 in an attempt to resolve a claim against me. I wrote in that letter they could ONLY contact me in writing at the address they had on file. On XXXX XXXX,2015 a representative from that company left a threatening voice mail ( at XXXX ) in an attempt " to educate me '' concerning the claim. They threaten to have my license taken away. The persons name was XXXX XXXX at ext XXXX.
Consumer complaint received 2023-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (DE)

On XX/XX/XXXX I signed up for a gym membership with XXXX XXXX ran by ABC Fitness Solutions , LLC. Their website is www.myiclubonline.com. On XX/XX/XXXX I sent out the following message via certified mail : XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX XX/XX/XXXX Everyone Fitness XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, DE XXXX Dear ABC Fitness Solutions XXXX : This letter serves as formal notice of my intent to cancel my gym membership contract number XXXX, dated XX/XX/XXXX. 
I have moved away from XXXX to XXXX and wish to cancel my automatic renewal. 
I expect to receive written confirmation of my cancellation within 30 days. If you have any questions, please contact me at XXXX. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX On XX/XX/XXXX I received an email from customer care stating the following : We have received your request to cancel. Before your account can be cancelled, you are responsible for a 30 day written request ( this has been fulfilled via your mail ) I then called that same day, XX/XX/XXXX, and confirmed with a club employee that my membership was canceled and I did not have to do anything further. 

I was then told on XX/XX/XXXX via email and mail that my alleged debt was sold to XXXX XXXX XXXX and that I owed {$110.00} of past due payments which is incorrect. I was fraudulently charged and this false debt has now been added to my credit report. If this matter is not resolved I will escalate this to small claims court.
Consumer complaint received 2023-09-19
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: EQUIFAX, INC. (FL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-10-24
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: Experian Information Solutions Inc. (FL)

There are inquiries on my report that I do not recognize and did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13
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)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Please see the attached document affidavit of truth. My notarized copy was sent certified mail and I have proof of my return receipt that it was sent and received and I havent received a response in the allotted time and Im requesting they send my {$1000.00} for violation of my rights.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After filing the first claim against Transunion XXXX and XXXX retaliation began against me with my credit profile. XXXX pretty much complied with the laws and made necessary corrections. XXXX took me through a process of putting fraud alerts and remark codes on my accounts and taking credit score points away from my score for incorrect reports of my accounts. Transunion on the other hand has not only placed a fraud alert on my profile ( claiming that I typed my social security number in wrong causing the permit lock for my protection ) but they placed what they call a permit lock on my profile so anytime I have the fraud alert removed it will go right back on the account. I am sent to go around in circles from department to department having fraud alerts removed, having my locked online account unlocked in order to login, sending in documentation to the fulfillment department to be verified, request blocks to be removed from the consumers occupational department, requesting blocks removed from the escalates department and the fulfillment excess department, then there is the file maintenance depart. They all blame each other for these locks and once I continued to reach out to them all day on a daily base I then get a notification that the score I did have was decreased by the entire score of XXXX because of an incorrect reporting of my credit card. I don't know when consumers began to have the time to stay on the phone arguing with the credit bureaus or why would the credit bureaus would want to hinder people from having a fair score to apply for credit but it is unethical and immoral. I fabricate stories of getting updated information from the creditors when it is not so at all. How can I have a new account added to my profile if the account has been there for over two years. This game that the credits are playing seem to be targeted towards the new programs set in place by the government to help first time home owners purchase homes because one thing they all will ask you when you are requesting them to correct your profile is if you are trying to get a mortgage loan. These programs are to help those that are low incomed to have the opportunity to purchase and become self-sufficient but everytime these programs begin to thrive proving they can work some organization does something to cause an attempt to failure on these programs.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

I am writing to complain to EXPERIAN about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-10-24
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CO)

On XX/XX/XXXX a rep from XXXX XXXX called me because I was XXXX pmts behind. After speaking to the rep we came to an agreement that I needed to pay XXXX dollars to help the account. I made a {$47.00} pmt on XX/XX/XXXX while speaking to her and set up a pmt to come out on XX/XX/XXXX in the amount of {$45.00}. The rep then advised that because of my pmts when the on on XX/XX/XXXX cleared I would get {$160.00} in late fee credits applied to the account. Today XX/XX/XXXX I call because I did not see the {$160.00} credited to my account. I was then advised that in order to get the {$160.00} credited to my account I would need to make pmt arrangements for the balance of the card. I made the arrangements of {$20.00} for XX/XX/XXXX and then {$86.00} on XX/XX/XXXX. The rep then proceeded to tell me that I would not be credited the {$160.00} until the pmt in XXXX cleared. The rep then said that she had already given me a XXXX XXXX {$82.00} on the day I made the $ XXXX on XX/XX/XXXX. I told her that everything she said was contradictory because she first told me that I would not be able to get the credit until after the pmts posted... so how did she give me a credit the same XXXX XXXX. Please someone look into this. It is my second time feeling XXXX  over by them. I am trying to make my pmts but they make me not want to because they keep lying to me.
Consumer complaint received 2018-05-14
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: Experian Information Solutions Inc. (CA)

ALL OF THESE INQUIRES ARE EXPIRED AND HAVE BEEN UNAUTHORIZED AND ILLEGALLY REPORTED AND PLACED ON MY CREDIT REPORT. ATT : EXPERIAN- PLEASE REMOVE THESE EXPIRED AND ILLEGAL INQUIRIES THAT WERE REPORTED ON MY CREDIT REPORT IN XX/XX/XXXX 1. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX/XXXX XX/XX/XXXX 3. XXXX XXXX XXXXC XX/XX/XXXX  4. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 7. XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX/XXXX XXXX XXXX   XXXX  XX/XX/XXXX 9. XXXX/XXXX XXXX XXXX XX/XX/XXXX 10. XXXX/XXXX XXXX XXXX 11. XXXX/XXXX XXXX XX/XX/XXXX  12. XXXX/XXXX XXXX XX/XX/XXXX 13. XXXX/XXXX   XXXX 14. XXXX XXXX XXXX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX/XXXX XXXX XXXX  17. XXXX XXXX XXXX XXXX   XX/XX/XXXX 18. XXXX 19. XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S. Code 1681e : ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( 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.

( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report 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 FURNICH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-10-25
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)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (DE)

On XX/XX/XXXX I signed up for a gym membership with XXXX XXXX  ran by XXXX XXXX XXXX XXXX XXXX. Their website is XXXX. On XX/XX/XXXX I sent out the following message via certified mail : XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, DE XXXX Dear XXXX XXXX XXXX XXXX : This letter serves as formal notice of my intent to cancel my gym membership contract number XXXX, dated XX/XX/XXXX. 
I have moved away from XXXX to XXXX and wish to cancel my automatic renewal. 
I expect to receive written confirmation of my cancellation within 30 days. If you have any questions, please contact me at XXXX. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX On XX/XX/XXXX I received an email from customer care stating the following : We have received your request to cancel. Before your account can be cancelled, you are responsible for a 30 day written request ( this has been fulfilled via your mail ) I then called that same day, XX/XX/XXXX, and confirmed with a club employee that my membership was canceled and I did not have to do anything further. 

I was then told on XX/XX/XXXX via email and mail that my alleged debt was sold to Aldous & Associates and that I owed {$110.00} of past due payments which is incorrect. I was fraudulently charged and this false debt has now been added to my credit report. If this matter is not resolved I will escalate this to small claims court.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to seek assistance regarding an issue with my credit report. I have encountered a significant inaccuracy concerning charged-off accounts, which I have unsuccessfully tried to resolve directly with the credit bureau . 

Account Information for Dispute : XXXX XXXX Balance {$460.00} XXXX XXXX {$330.00} XXXX XXXX  {$800.00}. 

The issue at hand is a charge-off that is still reporting a balance on my credit report. As per the Fair Credit Reporting Act ( FCRA ), once a debt is charged off and either sold or transferred to a collection agency, the balance on the original creditors account should be reported as XXXX. This incorrect balance reporting is not only misleading but also negatively impacts my credit score. 

I have previously attempted to resolve this issue by contacting directly. Despite my efforts, the balance has not been corrected, and my credit report still inaccurately reflects this debt. 

I am seeking the CFPBs assistance in ensuring that this error is corrected promptly. This request aims to ensure the accuracy of my credit report as mandated by the FCRA. 

I appreciate your attention to this matter and look forward to a resolution that reflects the accurate status of my credit report. Please do not hesitate to contact me if further information or clarification is required. 

Thank you for your assistance and support in this matter.
Consumer complaint received 2024-04-08
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 requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TFS FINANCIAL CORPORATION (CA)

Third Federal bank reported a very small amount of {$5.00} 30 days late when payment was made exactly 30 days after the initial payment was due. I made a payment of {$320.00} on an estimate of rising interest rates, when the statement was later received, it was already too late to adjust the outgoing payment, so I added on additional funds to the next months payment to cover it understanding that it would simply cover the missing amount. The company has offered no remedy or leeway. I have never been late paying this bank or any bank for that matter and they have refused to offer a grace period.
Consumer complaint received 2024-04-04
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. (IL)

There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.
Consumer complaint received 2023-04-20
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. (TX)

I sent a letter last XX/XX/XXXX, to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. but I never received a response. 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