davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
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. (IL)

This is my follow up complaints dated XX/XX/year>. I see that some of the account on my credit report was inaccurate when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-11-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (GA)

I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. 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. 15 U.S.C 1692C Without the prior consent if the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt ; 15 U.S. Code 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt! You never sent me any proof of verification either you ignored my letter, I sent it on XX/XX/2022, you received it on XX/XX/XXXX, that was my second letter you ignored, this qualifies for an automatic deletion! XXXX, that's the tracking number! Regards, XXXX XXXX I UNDERSTAND THE CO
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern, I am writing to formally dispute a late payment notice I recently received regarding my credit card account # XXXX XXXX XXXX XXXX. As a diligent cardholder, I have reviewed my records and found discrepancies that I believe warrant further investigation under the provisions of 15 USC 1666b of the Truth in Lending Act.

I received a notice indicating that my payment for the billing cycle ending on XX/XX/year> was received after the due date. However, upon reviewing my records, I found that I made the payment on XX/XX/year>, which was well within the grace period specified in my cardholder agreement.

Enclosed with this letter are copies of the following documents for your review and consideration : A copy of my credit card statement for the billing cycle ending on XX/XX/year>, clearly indicating the payment made on XX/XX/year>. 
Proof of payment confirmation, such as a bank statement or transaction receipt, verifying the payment date.

Based on the information provided, I respectfully request that you : Conduct a thorough review of my account and acknowledge the receipt of the payment made on XX/XX/year>. 
Correct any inaccuracies in your records that led to the issuance of the late payment notice.

Provide me with a written explanation of the findings of your investigation and any adjustments made to my account.

Furthermore, as per 15 USC 1666b, I would like to request that any negative reporting to credit bureaus resulting from this dispute be suspended until the matter is resolved.

I appreciate your prompt attention to this matter and expect a timely resolution within XXXX  days of the receipt of this letter, as required by law. Thank you for your cooperation in resolving this dispute. Should you require any further information or clarification, please do not hesitate to contact me at
the phone number or email address provided above. 
Sincerely XXXX XXXX [ Enclosures : Copies of credit card statement and proof of payment ]
Consumer complaint received 2022-11-21
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. (GA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2021-01-04
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)

) I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2022-12-30
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: CITIBANK, N.A. (NY)

Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : CITI XXXX Date Opened : XX/XX/2005 Balance : {$0.00}
Consumer complaint received 2021-12-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (GA)

Innovative Recovery , Inc. continues to pursue collection of a debt they know to be entirely invalid. The claim is on behalf of XXXX XXXX XXXX ( XXXX XXXX XXXX ), for a fabricated account ledger. 

Background : In 2018 XXXX terminated my lease and evicted me from the apartment. It's worth noting that I had never been even 1 day late on any rent payment in 6 years living there. The eviction was part of a group of 30+ evictions of longstanding tenants, immediately following a change in management. This is a matter of public record ( XXXX XXXX magistrate court ). 

At the eviction hearing, they and I signed a consent agreement sating that " Tenant agrees to vacate the property on or beforeXX/XX/2018 at XXXX XXXX XXXX Plaintiff dismisses its monetary claim. '' I vacated by the agreed-upon date and left the keys in the apartment ( they did not have a drop-box ). I have photos and a moving receipt to corroborate that the apartment was in-fact left vacant ( and clean ) on the required date. 

Despite my move out as agreed, they decided to file a collection for all rents due through the original lease end date, plus late fees, utilities, and interest totaling {$8500.00}. 

The lease itself states that " In lieu of liability for the remainder of the lease term for breach of the lease... Management shall be entitled to recover liquidated damages from Resident in the amount of {$1100.00} as the estimated rent that will come due after management obtains possession of the apartment through either the end of the lease term or the re-letting of the apartment to another resident. '' And, that {$1100.00} ( equal to a single month 's rent ) was dismissed by the court order. 

No balance is due on this account. 

I have repeatedly sent all of the documentation and supporting information to Innovative Recovery and requested that they send me a written notice that the claim has been dismissed and the account closed. Instead, they entirely ignore my requests, and continue to send me statements demanding payment of the false debt. 

Calling them is of no help, as their representatives only ask how I will pay them, and hang up on me as soon as I tell them the debt is invalid and won't be paid. 

They have previously reported this false debt to my credit report, causing damage to my credit, resulting in declined credit, and costing me higher interest rates and therefor significant expense. They have since removed it from my credit reports, with no trace of it having been there ( though I have the prior reports showing it ), after I informed them I intended legal action for their violation of the FCRA. 

The fact that they removed it seems to indicate that they are aware it is invalid. Yet, they continue to harass me for payment, in direct violation of the FDCPA.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX, XXXX. I have been asking the 3 Credit Bureau to correct my personal information since XX/XX/XXXX, XXXX.They have not correct my name, phone number and social security number. I have already file another dispute on XX/XX/2020 asking them to update my personal information which has not happened. I have spoken to several representatives within the last two months and I have not received correction on the update on my information. I have sent them the requested information they asked for, and they continue to ignore me. I also, have XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that is not mine. They continue tell me they have update my credit report but the information is still the same. 
I have spoken to several customer service representatives to correct the problem with my name, address, phone and social security that is continually been reported inaccurately. 
I spoke to XXXX XX/XX/2020 XXXX who assure me that the correction would be made on my credit report, name, phone number, social security, and the lock would be removed from my Experian Report. On all 3 credit is a lock saying " Multiple Matches Found '',  check demographics information. All 3 Credit Bureaus say they have removed the Fraud Alter but I am still not able to access my accounts. They continue tell me they have update my credit report but the information is he same.
Consumer complaint received 2021-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (FL)

Just recently, upon checking my credit reports, I found thatXX/XX/XXXXhas yet again placed a fraudulent collections account on my record under both names XX/XX/XXXXand Collection Bureau of the Hudson Valley. ( same account XXXX Original complaint number XXXX. - Submitted to the CFPB on XX/XX/XXXX I originally submitted a complaint on XX/XX/XXXX regarding this same exact account, ( complaint number above ) at that time XXXX had a company called XXXX XXXX XXXX reach out to me regarding this collections. At that time, I was told by XXXX XXXX XXXX that I would need to reach out to XXXX directly to try and solve this issue. 

As stated in my previous complaint regarding this company ( complaint # XXXX XXXX " I called and spoke with customer service on XX/XX/XXXX and was told in order to prove my identity and have the collections removed, i would need to submit proof of my address during the month of XX/XX/XXXX. The same day I spoke with the representative in the collections department at XX/XX/XXXX I submitted the proof via the email I was given, i submitted my ID, along with my bank statement and my auto loan statements, although that was not required. " I called the morning of XX/XX/XXXX and spoke with a customer service rep in the same collections department who confirmed that the information had been received. 

THIS NEEDS TO BE REMOVED NOW! THE DEBT DOES NOT BELONG TO ME AND THAT HAS BEEN PROVEN After submitting my initial complaint on XX/XX/XXXX, I got a response from XXXX XXXX XXXX stating that had reached out to optimum and were unsuccessful at getting any Information regarding the account therefore they were ceasing all collection activity and the account was removed, as it should've. 

This account has reappeared on my credit reports. Ive already sent in the information requested to optimum in order to verify my address as requested so I will not be providing any more Information to this company. 

Please remove this now! Its bad enough we are in the middle of one of the worst pandemics in American history, but to try and take advantage of people during this time is seriously sickening.
Consumer complaint received 2022-11-15
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC 1681sec 602 states I have the right to privacy 15USC 1681 sec 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-01-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (CA)

I made two payments in the month of XXXX. Minimum payment due was {$300.00}, and both payments totaled {$7000.00}. 

I paid {$6900.00} on XX/XX/20, and {$100.00} on XX/XX/20. Interest was deducted from both payments instead of applying the additional payment to principle only. 

I tried to contact one main, but there are extended wait times of 30+ minutes to speak to someone. There is no email address provided. 

I also looked at my statement to try and find an email address, and not its fine print saying that if I want to make a principle only payment, its required that I call in or visit a branch to make the payment in person. If this is true, One Main Financial is intentionally making it more difficult for people to pay off their loans, with the intent of burdening people with debt so they can make a profit.
Consumer complaint received 2022-12-30
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX .... Balance : {$12000.00} ; XXXX XXXX XXXX XXXX. Balance : {$220.00}
Consumer complaint received 2021-01-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure investigation these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo is at it again! 

While I was on vacation in XXXX in XX/XX/2022, my credit card was charged for {$840.00} ( USD ). I did not make such a transaction and therefore I reported it to Wells Fargo ( the bank issuing the credit card ). 

Now it's been 6 months since the report and Wells Fargo refuses to pay me back for this fraudulent transaction on my account. In the meantime, Wells Fargo has passed me between their various departments ( dispute department, fraud department, etc. ). Finally, after 6 months, they have produced the attached receipt from the merchant. There are multiple issues with the receipt : 1. Most importantly, the signature on the receipt is forged ( it's not my signature- not even close- and I did not sign this receipt ). 
2. It is not itemized hence it does not show what was purchased. 
XXXX. It is unclear who the merchant is ( the company XXXX which appears on the receipt seems to be an online billing company not the merchant ). 

In spite of this clearly forged receipt, Wells Fargo refuses to pay me back and has told me that they will not take any further action on this case. 

I can let this go and pay the charges, however, there are perhaps thousands out there who are not as lucky as myself to be financially secure. Wells Fargo is likely refusing to pay those deserving customers as well.
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (AZ)

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX is reporting into XXXX XXXX and Transunion inaccurate information that was removed from my XXXX report due to Identity Theft in XXXX XXXX XXXX XXXX XXXX. I was denied housing on XXXX XXXX XXXX due to false credits reporting by the aforementioned into XXXX and I promptly contacted XXXX XXXX. They advised Accounts XXXX XXXX XXXX XXXX XXXX were marked as Identity theft fraud but were still showing up in rental history databases. I asked for a prompt deletion and removal from all databases.
Consumer complaint received 2022-12-30
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX .... Balance : {$12000.00} ; XXXX XXXX XXXXXXXX XXXX. Balance : {$220.00}
Consumer complaint received 2020-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX I was told that I could make a {$1000.00} dollars and all I needed was to give the person my debit card and pin number. I did so and around XXXX XXXX that morning I had {$990.00} in my account, the person told me to send {$670.00} through XXXX XXXX and XXXX XXXX and that more money would come later. I did so and later that day my Huntington account was locked I called to see what was going on and they did not give me much information just that in a few days they would be able to tell me what was going on. About 5 days later I got a text alert from Huntington stating I was in the negative {$1000.00} dollars. I called up there later that day and they said there was nothing they could do. I called on 3 different occasions hoping to get a different response but each time same result. On XX/XX/XXXX I got a letter in the mail XXXX XXXX XXXX stating I owe the above balance. Today I was starting a payment plan to pay the debt and a friend who was a victim of the same scam told me that he disputed the debt since he was a victim of fraud, and his bank account was closed and his balance was reset to XXXX. Which I did not know you cold do up until now since I was told there was nothing I could do by representative at Huntington.
Consumer complaint received 2021-01-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TN)

I have made several attempts to try and resolve a debt with NCA. I contacted them in writing asking them to validate the debt because I never received anything directly from XXXX XXXX. At one point NCA and another collection agency were trying to collect the same debt at the same time. NCA sent me a letter stating I owe {$2000.00}, but the paperwork that was sent to me as alleged proof shows {$1000.00}. They do not want to communicate in writing, they want me to call. The reason I prefer to have communication in writing is because the one time I did call they threatened to sue me and advised there would be no work out option, and they were calling all the shots. They have called my cell number numerous times with a pre recorded message and no one on the line after I advised them no phone contact.