davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TX)

I just received TWO alerts from XXXX stating I have TWO new accounts in collections. I have no knowledge of either of these accounts, and want answers ASAP. They are for the exact same amount, but were placed a few days apart from each other. The company name is almost identical in both cases with the exception of Inc., which was added at the end of 1 of the entries. There is NO phone number or account number for me to call to inquire what this is all about. I will provide ALL of the info I was given below : IC SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, MN I.C. SYSTEM INC. 
XXXX XXXX XXXX XXXX XXXX, MN collection IC SYSTEMS XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE IC SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, MN N/A UNPAID $ USD XXXX New collection I.C. SYSTEM INC. XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE I.C. SYSTEM INC. 
XXXX XXXX XXXX XXXX XXXX, MN N/A UNPAID $ USD XXXX Thanks in advance for your time and assistance. I hope to hear back from you soon. 

Regards ... ... ...
Consumer complaint received 2023-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I have sent written notification to Portfolio Recovery Associates LLC requesting documentation of any contractual relationship between myself, & Portfolio Recovery Associates LLC. This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe Portfolio Recovery Associates LLC, {$1400.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. The response from Portfolio Recovery Associates LLC was an XXXX computer generated response that did not lawfully respond to my request.
Consumer complaint received 2023-09-19
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. (NC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 2 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$320.00}
Consumer complaint received 2018-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (PA)

1. NAVIENT ( private student loans ) have called me on my personal landline ( XXXX ) XXXX-XXXX at least once a day starting XX/XX/XXXX. This is my personal phone number. There are no other names listed on this account. 
2. My daughter, XXXX XXXX, has an outstanding loan with Navient. My daughter has informed me that she has tried to address this delinquency since XX/XX/XXXX, but it has been hampered by Navient and her serious medical conditions ( which Navient has been provided evidence ). 
3. I asked my daughter on XX/XX/XXXX, why Navient was calling my telephone number and asked her to stop them from calling me. I find these calls intimidating and harassing, especially since I know for certain that Navient is aware that I have no additional information I can provide to them. 
4. On XX/XX/XXXX, a fax was sent to Navient ( which they acknowledge as received ) wherein my daughter confirmed once again to Navient that they were in possession of her correct telephone number ( as is evidenced by her voicemail message as well ) and street address. 
5. My daughter has a letter dated less than thirty days earlier where she contacted Navient and provided the same contact information. 
6. The FDCPA prohibits a debt collector from contacting anyone but the actual debtor UNLESS THEY DO NOT HAVE CORRECT CONTACT INFORMATION. I request your agency ask Navient to demonstrate why they do not believe they have the accurate contact information ... especially since my daughter has been in communication with them as best as she physically can. They will not be able to establish that criteria.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

I checked my credit report with all three bureaus this month and noticed that my XXXX XXXX dropped tremendously. I was not familiar with the name of the company, so I immediately disputed the account on my credit report with all three bureaus. Simultaneously, I called the company in question to investigate why they're reporting on my credit report and that it's past due. Unbeknownst to me, this specific company took over payments on an account that I have under my name, named XXXX. I've been making automatic, recurring payments every month, on the XXXX of the month, since XX/XX/2022 with XXXX  and never had any issues. This account is paid automatically via my XXXX XXXX card. I contacted XXXX XXXX, and they provided me with proof of payments via monthly statements. I've submitted proof of payments to all three credit bureaus. Today I received results, and the credit bureau responded by saying that the information on my credit report is accurate, meaning XXXX months worth of late payments from the company in question. I've called them several times, but they can never give me a straight answer as to why they reported my payments late. I've asked to talk to supervisors, and apparently they're never available. It gets better. I called them again today and spoke to a customer representative named XXXX XXXX, who verified my account in their system and specifically said my account is current and has been since XX/XX/2022. I don't know what else to do. Please help! Thank you for your time and assistance!
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2023-11-16
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. (CA)

XXXX XXXX XXXX  has been on my account fraudulently and i have disputed this account with XXXX for the last 3 months and they have not helped me with my problem i have not signed a contract with this collection agency and ive requested proof of validation from XXXX which they didn't provide i have tons of proof of my letters ive sent to them and ftc reports and prior cfpb reports
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Equifax has violated FCRA and has been incorrectly reporting information on my credit report. I have disputed this information multiple times and each time Equifax has improperly investigated my claim. I have attempted to call Equifax multiple times and their system does not allow you to speak with an individual. This in and of itself is a violation of FCRA. You can't report incorrect information and then not provided access to your agents to those you are impacting. For XXXX years, Equifax has reported a charged-off account as past due each month. It was reporting the same account as both charged-off and past due at the same time. Once an account is charged-off the debt is written off by the creditor and there is no longer a past due amount. The account is simply charged-off. You can't have two account status simultaneously.
Consumer complaint received 2018-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it my concern, i'm writing in regards to an account being reported on my credit report, the account being reported is missing numbers, so i can't identify the account. I wrote Trans Union and XXXX XX/XX/18 requested the contract with my signature and any other proof that binds me to this item and even so, that it's in their right to collect on this item being reported and their response was that they verified that the item belongs to me, i've yet to receive the contract with my signature as proof, i also ask that this item be removed or deleted if a contract can not be provided. The account in question is reported as # XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I did not Authorize these inquiries XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XX/XX/2022, XXXX XXXX XX/XX/2022.
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have late payments that need to be removed per Capital One and it's still showing on my Capital One accounts ending in XXXX and XXXX my letter is dated XX/XX/2018 and stated would be removed with in 60 days.
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Around XX/XX/XXXX, I contacted XXXX XXXX XXXX which had recently purchased my mortgage loan from another lender. I inquired regarding my loan not being reported to the credit bureaus.They responded on XX/XX/XXXX saying that since I had filed for Chapter XXXX Bankruptcy in XX/XX/XXXX that they were in no obligation to report it and they withhold from establishing a tradeline for the loan. 

That changed, and they have now reported negative/derogatory information on my credit report, although I have never been late on my mortgage monthly payment. As a result, my credit scores has decreased substantially. I have submitted disputes to them and to the credit bureaus to clear this from my credit report. Not only is the information that they are reporting wrong, they are also not reporting a balance which I still have or monthly payment on my account.
Consumer complaint received 2023-11-20
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUSTMARK CORPORATION (TN)

Received XXXX  letter for sale of my home XXXX XXXX. Trustmark Bank received funds XXXX XXXX XXXX XXXX to reinstate my mortgage loan on my house XX/XX/XXXX. XXXX sent Trustmark saying I was approved for XXXX trial period plan XXXX XXXX. XXXX payment XX/XX/XXXX was told to by Trustmark customer service make XXXX trial payment by XXXX XXXX. I went to Trustmark Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay XXXX trial payment for XXXX XXXX, XXXX. Trustmark Bank XXXX did not accept my payment she said her computer showed payment to be {$1500.00} she was rude wanted to argue about payment amount. She told me the computer show mortgage payment was different amount. XXXX Trustmark Bank with Trustmark letter showing trial amount was {$1400.00} XX/XX/XXXX, made payment. Trustmark Bank was contacted to let them know the Trustmark teller would not accept payment. Trustmark changed the trial payment agreement. XXXX dated XXXX XXXX, XXXX, said XX/XX/XXXX, payment was received, and Trustmark was offering extension until XX/XX/XXXX for XXXX trial payment XXXX trial payment due XXXX XXXX, XXXX. Received Trustmark Letter date XXXX XXXX, XXXX saying Trustmark requested XXXX XXXX XXXX proceed with XXXX of my home Breach Letter. Request for mortgage assistance with financials was sent to Trustmark XX/XX/XXXX. Trustmark is not keeping their agreements that they have explained in their letters to me. XXXX XXXX sent for XXXX after Trustmark sent letter saying they would work with me on the trial payments. I feel I am being discriminated against because of being a XXXX man not treated fairly. Resubmitted mortgage assistance application XX/XX/XXXX and XXXX XXXX. XXXX XXXX XXXX Trustmark Bank previously involved in a class action settlement agreement with The XXXX XXXX XXXX XXXX XXXX for their discriminatory lending practices against people of XXXX. I do not want to lose my home to XXXX Trustmark Bank has violated privacy act as well letter sent to me included my entire social security number which is my personal confidential information.
Consumer complaint received 2023-11-20
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. (AR)

I am writing to formally express my frustration and dissatisfaction with the multiple attempts made to remove fraudulent items from my credit file. Despite repeated efforts, the fraudulent information persists, and I am left with unresolved issues that are negatively impacting my creditworthiness. 

I discovered unauthorized and fraudulent entries on my credit report. These items are damaging my credit score and have the potential to affect my financial well-being. I promptly reported the fraudulent activities to your company and have made several attempts to rectify the situation. Unfortunately, the issue remains unresolved, and the fraudulent items persist on my credit file.

Despite these multiple efforts, the fraudulent items continue to tarnish my credit history. This situation has caused me significant stress and anxiety, and I believe it is imperative for your company to take immediate and effective action to rectify this matter. 

I request a thorough investigation into the fraudulent entries on my credit file and a prompt removal of the inaccurate information. Additionally, I would appreciate regular updates on the progress made towards resolving this issue. 

If this matter is not rectified satisfactorily within the exact timeframe from the date of this letter, I may have no choice but to seek legal counsel and escalate this complaint to the appropriate regulatory authorities. 

I trust that your company takes matters of credit reporting accuracy seriously and is committed to ensuring the integrity of individuals ' credit files. I expect a swift and satisfactory resolution to this matter and appreciate your prompt attention to the concerns raised in this complaint. I am asking for your assistance to remove these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Consumer complaint received 2023-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to formally express my dissatisfaction with the multiple attempts made to correct the late opening of my account with your company. I believe that the repeated efforts have not yielded the desired results, and I am left with unresolved issues. 

I initially contacted your customer service department to address the tardiness in opening my accounts. Despite my efforts and the subsequent attempts made by your team, the issue persists, and it has caused significant inconvenience and frustration. 

Despite these multiple efforts, the matter remains unresolved, and I find it necessary to escalate this complaint formally. The late opening of my account has not only affected my ability to use the services promptly but has also resulted in [ mention any specific consequences or difficulties you have faced as a result. 

I request a thorough investigation into this matter and a prompt resolution. Additionally, I would appreciate regular updates on the progress made towards rectifying the situation. 

If this issue is not resolved satisfactorily within the exact timeframefrom the date of this letter, I may have no choice but to explore alternative avenues to address this matter, including filing a complaint with relevant regulatory bodies. 

I believe in a fair and prompt resolution to this matter and trust that your company values its customers ' satisfaction. I am hopeful that this complaint will serve as a catalyst for addressing and rectifying the issues surrounding the late opening of my accounts. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (VA)

Due date for this month for my Chase Sapphire Preferred account was XX/XX/2018. I paid the balance IN FULL from a XXXX checking account online on XX/XX/XXXX XXXX XXXX EST. 
The payment completely cleared by XX/XX/XXXX. Logging into my Chase account showed that mathematically the payment had been applied and normal credit line open. 
On XX/XX/XXXX, a {$150.00} purchase at XXXX XXXX in my billing county was declined. I called the customer service number and was told on new accounts like mine that the account is put on hold. I was never told when the hold would be removed that I was never notified of until the decline. There are zero messages in my online account. I never received an e-mail notification of the hold/decline. Declined purchase messages apparently only show up in the phone menu with no real explanation. THE PAYMENT HAS CLEARED. CHASE HAS THE MONEY. 
On XX/XX/XXXX, i tried to order a {$39.00} cent PIZZA in my BILLING ZIP CODE and the charge was declined. My online account shows {$5000.00} worth of clear credit. I called the customer service number again and was talking to a rep who did not have the " authority '' to remove a hold I was never notified of or is justified. I was transferred to an alleged supervisor who said the hold was scheduled to come off the account the following day again because it's a " new '' account. This is FIVE days after CHASE HAD THE MONEY. So my online account information is a manufactured fiction? Totally unacceptable. 
The reason I opened this account was from a seminar by The XXXX XXXX who also had an affiliate link to the application. Many other organizations/bloggers recommend this card as one of the best travel credit cards in the industry. I have a friend who did the same and to date has had no issues. Do not appreciate the questionable legality of not being notified of the policies or obviously an accurate online accounting.
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

I received an email from Venmo / PayPal about a recently opened account and that they would be sending me a debit card shortly. I immediately reported it to both companies as fraudulent activity. Neither has responded.

Yesterday I received the debit card with a bank account I have never heard of. I immediately emailed them again.