davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (AZ)

I have received your notice that you have bought the alleged debt. Once again you are impersonating a creditor. If XXXX stated NCB MANAGEMENT bought the debt and RISECREDIT closed account and removed from their system you bought the debt wouldnt that be considered your debt you are liable for. Your company not only bought the debt but obtained my personal information without MY permission. I do not know you neither went into business with you. This is identity fraud. I am the grantor of the credit I extend my credit which makes me the? I have a right to privacy in my personal transaction! You are damaging my credit! You did not send me a request to access my credit account neither did I give you MY personal information. Your company has my personal, private information that should only be obtained if I give the company the right to do so. You are NOT a company I ever did business with. I will file a IRS 3949a form on NCB AS WELL AS XXXX AND XXXX for not doing a proper investigation and not getting my consent to furnish fraudulent information to my credit account. Do your company read laws on securitization and XXXX ACCOUNTING? This is redundant and I have sent multiple notices to you to cease and desist all collection activities and remove from my report due to identity theft because I did not give you my personal information which means you got the information fraudulently. XXXX is in violation as well for selling my personal information to an unknown 3RD PARTY. You are not the creditor neither did I give NCB management my information. XXXX closed this account you bought the debt YOU are liable! I DO NOT KNOW YOU OR YOUR COMPANY thats damaging my consumer report! Have you read the privacy act, or fair debt collect practice act even ftc laws! You are in violation and could face criminal charges if you proceed! I did NOT do business with you so you shouldnt have my PERSONAL information! Thats identity theft and impersonating a creditor is fraud! YOUR COMPANY JUST SENT ME A LETTER STATING A data breach in your system. NOT ONLY DID YOU OBTAIN MY INFORMATION WITHOUT MY KNOWLEDGE AND CONSENT NOW YOU HAVE PUT MY PERSONAL INFORMATION AT RISK DUE TO YOUR COMPANY NEGLIGENCE! This is how your company operates than you should be shutdown immediately!
Consumer complaint received 2017-09-20
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: EQUIFAX, INC. (OH)

As publicly stated by Equifax on XXXX XXXX, 2017, a  large portion of their database was breached in 2017. My information was confirmed to be a part of this breach which will negatively affect the following : my ability to easily apply for credit ; the security of my social security number, date of birth, past addresses and more, as they are now accessible to unknown persons ; my ability to effectively manage my credit without undue stress or concern.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX
Consumer complaint received 2023-07-18
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (MD)

I was billed {$400.00} by PayPal Credit Services for services to be provided by an airline. The flights were canceled. Passengers were put on another company flight. The connection was missed due to a late starting flight. They did arrive late to a flight in a different state but the luggage was lost and recovered some time after. A claim was made for compensation to the airline without sucess. 

The charges were for upgrade seats and luggage which were not provided. 

A timely dispute was filed with the credit card company by mail and was acknowledged on XX/XX/23. Since then the credit card company deleted the charges from the original card but opened another account and transferred the charges to a new account number. I asked to close the credit account but they will not close the credit account. They refuse to send statements by mail stating they had mail was undeliverable to me. 

The credit card company is charging late fees, and interest, and making calls attempting to collect the debt. They have debited minimum payments from my bank account without permission. They claim that they need 60 days to process the complaint. This time has elapsed as it is almost 90 days since the complaint was sent.
Consumer complaint received 2024-04-01
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. (NJ)

I submitted this complaint to update this suspicious information. Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I purchased solar panels from XXXX XXXX XXXX  XXXX I was told to make a payment even when services have not yet started and the company would reimburse me for that month. I tried reaching the contractor, but could never reach them so then I went to my bank in XXXX, and disputed the payments for the XXXX months, which were XXXX and XXXX, not even XXXX days after the company was calling saying I was 60 days late. I explain to them the situation and who I spoke with which was XXXX and XXXX said to make the other payment. They will work things out and work out the late fees due to the misunderstanding, it is now XXXX months later I have yet to receive my payments and my credit report is reflecting XXXX to 89 days late. The payments were paid in full. I have the payment history in my bank statement for verification. I also have payment confirmation numbers. 

XXXX option XXXX XXXX XXXX XXXX XXXX XXXX department Contractors numbers to contact for my reimbursment XXXX XXXX XXXX XXXX and XXXX XX/XX/24 XXXX
Consumer complaint received 2018-04-16
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. (MI)

Since XX/XX/2018 I have submitted multiple disputes regarding Global lending service. I do not owe this account and it is consistently being reported as inaccurate which is a violation of my rights and the Fair Credit Reporting act.
Consumer complaint received 2022-11-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just received my review investigation back from Transunion and XXXX they have stated that everything is 100 % complete and accurate. I would like to receive a description according to the 15 USC 1681i ( 7 ) the accounts listed below are not accurate. The open date and the last payment date, the last date active are not 100 % accurate. They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ). 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-04
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: SANTANDER HOLDINGS USA, INC. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, has refused to accurately do the verification of the method of all this inaccurate information on my credit and they're in violation, of 15 U.S. Code 1681i,15 USC 1681 E, 15 USC 1681 S-2 XXXX days ago and information still on credit and some was removed and put back on my credit.
Consumer complaint received 2024-04-01
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Uprova Credit, LLC (TX)

Started getting e-mail notifications of missed payments to a bank in California that we have never applied for credit nor have we received credit. Try to contact the bank but they require social security number to even talk. It seems like a phishing expedition. 
Started notifying us in XX/XX/2023 via e-mail and text message only. No correspondence by physical mail, which makes this even more suspect.
Consumer complaint received 2022-12-12
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. (CA)

I recently obtained a copy of my TransUnion credit report and noticed that you are reporting inaccurate information as a result of identity theft- in the Accounts with Adverse Information section. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

Account Name Account Number Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking ( Title 15 U.S.C. 1681c-2, a1-4 ) and block this transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2022-11-10
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-09-04
Product: Mortgage — Conventional home 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: NEW YORK COMMUNITY BANCORP INC (ID)

Have had a home loan from Flagstar for XXXX  years in good standing. Went through a divorce in XX/XX/XXXX. At the same time I was a frontline primary care physician during XXXX. My contract with my clinic was not renewed in XX/XX/XXXX. I had been a physical in good standing for XXXX  years. I was without employment for XXXX  months. I notified Flagstar about my predicament and was unable to make my mortgage payments since XX/XX/XXXX. I have been trying to workout a loan modification with Flagstar since. I began a new full time job as a physician in XX/XX/XXXX. Flagstar keeps denying my applications for consideration. I have been working closely with a HUD counselor since XX/XX/XXXX. Despite our mutual cooperation with Flagstar they continue to shut down my loss mitigation application. They have accelerated my foreclosure and have set a date of XXXX  XXXX. My reinstatement amount due is {$21000.00}. 
Do I not have a right to contest their decision for foreclosure? They are very adamant about records and applications that I have relentlessly supplied. Even my HUD Counselor has become frustrated.
Consumer complaint received 2018-10-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Roycroft Management (OH)

I contacted Central Media Services to explain that before I would give them payment, I needed written validation to be mailed to me. I also asked for their state collection # and renewal date. They ignored my request, said " good luck '', and hung up. There is no way to contact these people except via phone ( very shaky ). # XXXX/XXXX XXXX , XXXX XXXX .
Consumer complaint received 2024-04-01
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. (NJ)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-08
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. (OH)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-11-10
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)

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. 


XXXX XXXX XXXXXXXX {$1500.00} UNAUTHORIZED INQUIRIES : 1. XXXX XX/XX/2022 2. XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXXXX/XX/2022 4. XXXX XXXX  XXXX XX/XX/2022 5. XXXX XX/XX/2022 6. XXXX XX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-10
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. (FL)

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the accounts corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have requested that in three different occasions that each credit bureau XXXX, XXXX, and Transunion provided me with Original Level documentation from the Original creditors about the accounts reported. Neither the Credit bureaus nor XXXX XXXX XXXX were able to provide any evidence of account ownership from me, nor signed contracts where I owe XXXX XXXX XXXX any amounts at all. Hence another account was disputed because even XXXX was not able to produce such documentation.