davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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. (NY)

The following personal information does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MO XXXX Inquiries : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX / XXXX
Consumer complaint received 2023-08-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

I don't understand why this debt exists and need to know more details in order to determine if the debt is valid. It's a medical debt from XXXX XXXX in XXXX, Fl. The collection was opened on XX/XX/2020 in the amount XXXX This stay was due to an involuntary 72 Hour hold through the Backer Act. I'm considered indigent for the purposes of the 72-hour hold and The State Should have been billed for this hold. 

I'm also a Medicare recipient and would have had a Medicare XXXX XXXX and depending on the date may have had medically needy Medicaid. It's extremely unusual that I receive hospital bills outside of my co-payment. 

So I'm requesting the creditor provide the following information. 
1. The Date of the Hospital stay. 
2. The names of the Providers if applicable 2. what insurances were billed Billed including State or Local programs. 
3. a copy of the claims that were submitted to the Medicare plan that clearly shows the Diagnosis codes and CPT codes a copy that shows what the insurer paid. 
4. I also need to know who the insurer found Liable for the claim or the remainder of the claim as described in the Medicare billing processing Guide XXXX plans need to follow. The provider should have received this from the insurer. 
or 5. The insurer 's own policy must provide at minimum the same protections granted by Medicare, these policies if they had one in place would have had stricter procedures in Billing patients directly. 


I wish I could Provide the name of the insurer, But I usually change XXXX Plans every year and need the admitting to date to identify the Plan in question. 

Thank you.
Consumer complaint received 2024-04-25
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-05-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (AZ)

I contacted XXXX XXXX XXXX regarding a debt they were attempting to collect. I had insurance thought XXXX which had a deductible for the amount of {$1700.00} which was met and over paid prior to the dates that XXXX submitted an amount for me to owe for a total of {$3400.00} and {$610.00}. My insurance was backdated which left me with a credit of {$2400.00}. There should have never been an amount owed with XXXX XXXX XXXX, which I submitted a claim against it. Now all a sudden I have two collections on my credit report from Wakefield and Associates with the original creditor as XXXX XXXX XXXX one for the amount of {$3400.00} and another for the amount of {$610.00}. I was never notified by them they attempted to collect a debt. I was never notified that it was even in collections or how I could dispute it or even any contact information for Wakefield and Associates. If I would have know I would have disputed this but I was never given the chance or opportunity or information. I still have no idea how to contact them.
Consumer complaint received 2021-06-24
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. (TX)

Thank you in advance for your assistance. I have been trying to get this issue resolved with Transunion for some time now. I notified them that some has been trying to open accounts with XXXX XXXX, XXXX, and XXXX in my name. I did not apply for anything. I have attached an identity theft report to have these things deleted.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, 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. (PA)

I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit.
Consumer complaint received 2022-11-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These XXXX XXXX XXXX cards, XXXX with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my XXXX report and on my XXXX report. Both are violations of my rights. THIS INVESTIGATION HAS TAKEN LONGER THAN XXXX DAYS!
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I was going over my credit report today and I found quite a few inaccurate items. My name is XXXX XXXX XXXX my name is not XXXX XXXX XXXX or XXXX XXXX XXXX please delete these two errors in my name. 
I live at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX. Please remove all the following addresses they are not mine : XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On the night of Saturday XX/XX/2020 my phone was stolen out of my back-pocket at a bar called XXXX in XXXX around XXXX. My phone did not have a password, so they were able to log onto my bank of America app, and transfer {$3000.00} from my savings into my checking account. They also went to various ATMS and attempted to withdraw money, but did not know my PIN number. The person made 3 separate transactions totaling about {$3000.00}. They then logged onto my XXXX account and sent themselves 3 separate transactions totaling about {$3000.00}. Bank of America has denied my claim. This is a fraudulent action and I am a victim. I need this money back. It is my life savings that I have been working on since XXXX grade. I have a police report filed as well. I do know how to go about this issue. I am looking for any assistance I can get. Thank you!
Consumer complaint received 2022-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MN)

On XX/XX/XXXX i received an email from XXXX XXXX ( except i later learned it was not XXXX ) that my bank account had been debited for {$150.00} for renewal of XXXX XXXX XXXX. it said call if you do not wish it to be renewed. So I called. They said my bank account had been debited but they would refund the money. They were very professional and believable. They needed my bank account number to refund the amount. 
" He '' said my bank would not allow him to do so. Yes... I gave him my credit card numbers so he could refund the charges to a credit card. He said he could give me credit via XXXX, then he tried through my Citibank credit card ; finally through my XXXX XXXX XXXX, In each instance he had trouble making an adjustment. 
Though I am XXXX, nevertheless I know I am not excused because of my age ; my naivete is responsible. Btw, because i was having trouble navigating to where he wanted me to go .on my computer, he took over my computer to " help '' me. 
My banker told me it was fraud from the beginning. So on XX/XX/XXXX I contacted Citibank. One transaction had already been approved for jewelry at : '' XXXX : '' for {$1700.00}. 
( My XXXX XXXX card was also debited {$70.00} for an XXXX XXXX on the same day ; Results of dispute pending. ) Three more charges for jewelry from the same vendor, XXXX, were denied. 
Citibank informed me today that the dispute was closed and I am responsible for the charges.
Consumer complaint received 2023-02-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2023-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (CA)

For the past 6 weeks or so, Ive been applying to rental properties in preparation for my upcoming move. I have submitted applications to several properties recently and discovered that I have ( 4+ ) fraudulent, inaccurate, unverifiable, medical hard inquiry errors that I do not recognize. 

A medical debt collector agency named ( Design Receivable Solutions ) wronfully reported a medical hard inquiry that has been on my credit report since XX/XX/XXXX. 

The debt collection agency Designed Receivable Solutions. Took over the following debts from XXXX XXXX XXXX for - {$4700.00} -- another is for {$250.00} - - another for {$84.00} and another for {$59.00}. According to this medical debt collection agency 's website, they are based in XXXX XXXX, but have a location in XXXX California as well. 

I have absolutely NOTHING to do with this debt, the collection agency inaccurately reported hard inquiries on my credit report, it says that these charges were from visits to XXXX XXXX XXXX from XX/XX/XXXX. 

In XX/XX/XXXX, I was in XXXX Alaska. I also have proof to discredit their claim as evidence, such as : 1. ) A police report. 
2. ) FTC Consumer Fraud report. 
3. ) Consumer Financial Protection Bureau ( CFPB ) Complaint. 
4. ) Airline tickets. 
5. ) California State Attorney General report & Complaint. 

I have uploaded the police report and other Government agency documents with this FTC Consumer Fraud report. 

This incident has seriously affected my credit score, I am formally requesting that the medical debt collection agency ( Designed Receivable Collections ) ( XXXX ) ( XXXX ) and ( XXXX ) provide proof of my signature for repayment and provide proof of my authorizing the furnisher and the ( 3 ) credit bureaus access to my credit report. 

I am requesting you promptly rescind all such account information furnished to ( Designed Receivable Solutions ) and require them to purge their records of all reference to this account, and that you ensure that any and all reporting from this account is immediately deleted from my credit reports. 

Please respond in writing within 10 days acknowledging that you are processing this request. 

I am also reserving the right to take appropriate legal action and civil action including reporting to any applicable regulatory authorities. 

Any lack of cooperation or compliance with this request will result in a lawsuit against you.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Linda Strumpf (CT)

The law firm of XXXX XXXX, and her partner XXXX XXXX, entered a judgment against me, without verifying if I am even the person they are looking for. 
The judgment cause me to lose my license and my job in now on the line. 
I called the office and spoke to XXXX XXXX, and he verified the last four digits of the person they are suing and its not mine. 
When I asked him to remove the judgment against my name and to send me a letter explaining the have made a mistake, he hung up on me. I called back and now they are not answering. 
I need your help to resolve this issue before I lose my job. 

Thank you
Consumer complaint received 2023-05-10
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: MOHELA (TX)

Nine ( 9 ) erroneous and/or fictitious tradelines are being reported by XXXX XXXX as being furnished by MOHELA. This complaint is being sent to you in response to a tradeline/credit item that is listed on my XXXX XXXX consumer disclosure sent to me on XX/XX/2023, XX/XX/2023, and XX/XX/2023. This notice is sent pursuant to the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and consumer credit protection of Texas Business & Commerce Code Chapter 20, and debt validation is requested. See Attachment - This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that any student loans serviced by your company have been transferred to another and not 100 % paid off through discharge. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus XXXX XXXX XXXX XXXX XXXX  ), this action might constitute fraud under both Federal and State Laws. Due to this fact, all erroneous, fraudulent, fictitious and/or negative information found on any of my credit reports by your company or the company that you represent constitutes such a violation and legal action has or will be brought against you for the following : Violations of the FCRA Violations of the FDCPA Violations of Texas Business & Commerce Code Defamation of Character Injurious Tort and other damages. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will remedy this with any and all legal options. Any listing of any information to a credit reporting repository that could be inaccurate or invalidated should be immediately removed. If your office fails to respond to this debt validation request, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
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. (MI)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( Bankruptcy Chapter XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-01-27
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. (TX)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (NY)

Took a card out interest free for 2 years wellsfargo is the bank they charged XXXX percent interest. This was XXXX XXXX XXXX that had the interest free XXXX XX/XX/2023.