davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

I played casino games and XXXX XXXXXXXX. I had to frezze my account. I was being hacked. I received letters from my bank about payments that were frozen. It did not say who they were. I finally figured out who it was Global Payment or XXXX  XXXX. I called and asked if I had any money that did not go trough. They said they sent out several letters. Did not receive till XX/XX/XXXX I had already called and had to make a payment. When I opened the letters they charged a XXXX $ fee for each tranaction. Why did they not call or email. These fees are outragus.
Consumer complaint received 2023-09-27
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$650.00} ; XXXX  XXXX Balance : {$680.00} ; XXXX XX/XX/2021.
Consumer complaint received 2020-12-21
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade CommissiIdentity TheftAffidavit .Please delete the items as soon as possible Its slowing me up & Im trying to do better in my life.
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/XXXX, though the XXXX XXXX - my daughter and stayed at the XXXX XXXX XXXX XXXX in XXXX XXXX Nevada. Upon arriving at the villa we both noticed the living chair appeared to have bitten up by a dog right above the right leg ( we did not travel with a dog ) we did not report this, that evening my daughter took pictures of the rooms in the Villa to show her brother. We stayed there and cooked and enjoyed the stay checking out on the XXXX ( Monday ) early morning. Tuesday there were {$650.00} charged to my account, I called and left several message with no response from management, spoke with several people I let them know my daughter had a picture of the chair from the first night, still they said that he was not going to return the funds. The picture clearly shows the damage. Please help me if you would. I know now you should check out the room before bringing in any luggage, making sure that there are no damages
Consumer complaint received 2023-06-07
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: Convergent Resources, Inc. (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, so I request that it be closed immediately. I also request that Convergent Outsourcing, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2023-07-25
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. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-18
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)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MS)

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 These companies listed below, used mis-match information to open an account fraudulently, with incorrect information, I have since disputed and proven the personal information and it has been removed from some but not all credit bureaus. However the fraudulent accounts associated with the personal information have not been removed. SBNASELFLNDR account showing opened XXXX. This account shows closed however this account does not belong to me. XXXX XXXX XXXX showing opened XX/XX/ ( Account # : XXXX ) with late payments. I have never been affiliated with this business.
Consumer complaint received 2018-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit Acceptance corporation as a collection agent called too many times in a harassing way. My purpose after much research and development to dispute credit data ; derogatory remarks, credit reporting, correct and or inaccurate citations reported by creditors and its responsibility according to Consumer Credit Reform Act XXXX, against namely Credit Acceptance Corporation. I submit to you in writing, obtaining and annotating this data also makes XXXX, XXXX, & XXXX  consumers. 
It is unfair to me that some aspects are reports and others are not. Fair in my opinion, would be " removal those negative citation " and here 's why. Any Perspective businesses, creditors, employers alike would be prejudice to this report. XXXX XXXX XXXX said " an unfair law is no law at all ''. In this matter we must remove this report lest we fall in violation of C.C.R.A. Consumer Credit protection Act XXXX. Insomuch we both want to be honest brokers ( XXXX, XXXX, & XXXX ).
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!
Consumer complaint received 2023-08-24
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. (FL)

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 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

These inaccuracies are keeping me from obtaining new credit
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Consumer complaint received 2024-01-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CMI Group, Inc. (GA)

I am inquiring about the credit account that the accounts that you purchased. I did not give any consent to have my account bought by anyone. 

This is illegal for you to purchase the account and then try to come after me for the amount. 

Are you familiar with something called U.S.C. Sec ( a )? I heard if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX XXXX  right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this XXXX  said you have XXXX XXXX to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. {$240.00} Open balance XXXX XXXX XXXX Original creditor
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (MO)

I sent a letter on XX/XX/year> and have not received a response from this company. I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with LVNV Funding LLC plus they did not provide me with the original application like I asked. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand this account to be deleted immediately from my credit report 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. The product/service is a Collection, Account numbers is XXXX.
Consumer complaint received 2023-05-22
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-05
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance Owed : {$0.00} ; TXXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-05
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. (CT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In XX/XX/XXXX, I purchased solar panels for my home through the XXXX XXXX offered through XXXX XXXX  XXXX ; my mortgage servicing company is Select Portfolio Servicing, based in XXXX XXXX XXXX, Utah. My initial servicing company was XXXX XXXX XXXX XXXX, but the loan was sold to Select Portfolio Servicing in XX/XX/XXXX. As part of my contract, my solar panels would be paid for by adding payment for the panels to my house payment ( $ XXXX. ) The first payment addition would be due to begin in XX/XX/XXXX. On XX/XX/XXXX, I prepaid in full for the solar panels to XXXX XXXX XXXX in XXXX XXXX, CA. The amount paid was {$50000.00}. 

My issue with Select Portfolio Servicing is the following : Select Portfolio Servicing is wrongly assessing charges and late fees for property taxes {$6300.00} for the solar panels after I paid off the bill. My property taxes are paid through my mortgage servicing company. I believe Select Portfolio is billing me based on old tax information. I have tried communicating many times with Select Portfolio Servicing but to no avail
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I contacted our primary bank to notify them of several fraudulent charges that were made through our Checking account. These charges amounted to almost {$5000.00} and the merchant description was in XXXX XXXX, whereas my husband and I were both in XXXX XXXX, Texas XXXX at the time the charges were made. The exact charges are listed below all one after the other and all processed on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX - {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$1000.00} At the time the person we spoke with stated that the fraud was an online charge against my husband 's debit card. A new debit card was issued and an investigation was opened. We were told we would receive text message updates on the claim. We were refunded the amount that had been debited from our account at that time. 

We never received any text messages from the bank and only realized any communication was sent after the funds were reversed from our account on XX/XX/XXXX. Upon calling the bank I was notified that a letter was sent to me virtually letting me know that my claim had been denied and that the funds would be reversed. The online fraud department explained that an investigation had been completed, although no additional information had been asked of my spouse or me, and they found that the transaction had been authorized by facial recognition or biometric technology and therefore denied. Although we have proof that my husband was not in fact in XXXX XXXX at this time and therefore could not have used his face to authorize these transactions, I was told that there was nothing that could be done. 
On the same day, XX/XX/XXXX, my husband spoke with a different representative and explained our situation. She stated that she would reopen the claim and asked my husband to provide the receipt that he had saved from the restaurant in XXXX XXXX we had visited that evening. 
On XX/XX/XXXX, my husband visited a local branch to speak with someone and fax the receipt with the reference number to the online fraud department as requested. 
To be respectful of the holidays and give time for someone to process the information, my husband waited until XX/XX/XXXX to contact the online fraud department again to see if any additional information could be shared on our claim. He was told a new claim was never re-opened and that nothing could be done. When he asked if he could speak with a supervisor he was told that they were not accepting calls. He called two additional times on XX/XX/XXXX and was met with more roadblocks and no additional answers on what could be done to help us regain the money that was stolen from our account.
Consumer complaint received 2022-11-11
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$650.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XX/XX/2022 XXXX
Consumer complaint received 2022-11-11
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XX/XX/2022 XXXX
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.