davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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. (MN)

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. 

Account name : XXXX Account # TransUnionXXXX Balance Owed {$5500.00} Account # XXXX Balance Owed {$5500.00} Account # XXXX /Balance Owed {$5500.00} Account name : XXXX Account # TransUnionXXXX Balance Owed {$7900.00} Account # XXXX Balance Owed {$7900.00} Account # XXXX Balance Owed {$7900.00} Account name : XXXX Account # TransUnionXXXX Balance Owed {$0.00} Account # XXXX Balance Owed {$0.00} Account name : XXXX Account # TransUnionXXXXBalance Owed {$120.00} Account name : XXXX XXXX Account # TransUnion XXXX Balance Owed {$110.00} Account # XXXX Owed {$110.00} Account # XXXX Owed {$110.00} Account name : XXXX XXXX XXXX Account # XXXX Balance Owed {$3500.00}, 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.
Consumer complaint received 2023-05-06
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2017-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

In XXXX XXXX we applied for a loan modification. All requested paperwork was turned in on a timely manner. In XXXX XXXX, XXXX we were told our income was not enough. Our income changed in XXXX XXXX, XXXX our income increased and proof was turned in. On XXXX XXXX, XXXX we were informed it was too late and a foreclosure was in process. We objected but were told it was too late in XXXX XXXX, XXXX.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (AZ)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/XXXX my XXXX credit card switched from XXXX XXXX XXXXXXXX to XXXX XXXX I had a balance of {$2200.00} I had credit points towards my balance of {$280.00} this information I had got from their service representative by phone on XX/XX/XXXX. 
I paid {$1900.00} on XX/XX/XXXX. 
I never used the XXXX XXXX credit card I received billing for the {$280.00} that were my credit points plus interest plus penalties in XXXX I called them at that time and told him what the issue was they said it would be resolved. In XXXX got the same bill with more penalties and interest sent them a letter XXXX XXXX same story. I have filed complaints with their company on two different occasions on XXXX XX/XX/XXXX and most recently on XX/XX/XXXX. At this point I have sent three letters one of them a registered letter on XX/XX/XXXX ive made at least five phone calls been told repeatedly issue would be resolved and it has not. My credit score has been downgraded to the mid 650s when it had to of been well over XXXX. I need to get this issue resolved as my insurance quotes and rates have gone up due to my rent lowered credit score. I do not know how to put these copies of my letters and statements into a file to send with this complaint. I can supply copies of documentation if I have a mailing address or a email address my phone number is XXXX my mailing address is XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Below accounts are closed, discharged/charged-off, this is considered " Certificate of Indebtness '', that is income, so, income is not reportable, must be removed, per IRS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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: CNG FINANCIAL CORPORATION (TX)

Many Years Ago, Back in XXXX I Was a Victim of Identity Theft and They Stole My Bank Cards, ID, and Social Security Card was all Compromised. 
Since then I Have XXXX XXXX XXXX to Protect My Life From Identity Theft Happening Again. 
I Have Reported This To The Federal Trade Commissions By Letter Years Ago. 
I Never Take Out Pay Day Loans and I Never Had Any Student Loans of Any kind Never. 

Here This Year, in XXXX of XXXX I am Getting Harassments From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX These People Had To Gone and Purchased an Account Somewhere Online or XXXX XXXX Party For Sure and Now Texting, Calling, and Sending Me Mail That Has Nothing To Do With Me. 
I Believe It's a Scam, and I Have Been Targeted Again With Identity Theft Once Again. 
I am Reporting This Because It Is Not Me. 
Please Help Assist Me, I Need To Know What To Do. 

Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-02-27
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)

Information that is being reported by XXXX is inaccurate and I have no obligation to company that is inaccurately reporting data into my credit profile.
Consumer complaint received 2023-05-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-10-27
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. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2023-05-06
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. (IN)

I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX. They did not provide me with the orginial application like I asked.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I requested an investigation into items that I believed to be inaccurate and falsely reporting in a letter to you dated XX/XX/2024. As of this moment, the sole correspondence I have obtained from you is a computer-generated letter informing me that the investigation into my credit reports has been terminated on the grounds that you suspect I have engaged the services of a third-party credit restoration agency . This is not only a delay tactic to obtain an extension of 30 days to comply with my initial request, but it is also a flagrant violation of the FCRA, in my opinion.
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC ()

Hi good day, I'm XXXX XXXX XXXX from XXXX XXXX XXXX XXXX last XX/XX/2023. I send money from XXXX XXXX in XXXX using Ria. I send my money to my account in XXXXXXXX XXXX in the XXXX but my money is not went thru to my account and then I call ria they said there are some problem with account number and my bank send it back to ria and I said it's impossible I got mistake with my account number because this my second time I send money from XXXX XXXX and I used XXXX XXXX that time. And then I ask them can we correct this account number and send this money originally to my account name and bank which is XXXX to solve this mistake, and they said no, they say I need to go back in XXXX to refund the money, which I can't do that because I'm in XXXX and the ship is XXXX too. And they said the only I can do is go back to that store and refund the money. For me how many times I call and I send an email to them to solve this problem.Its looks like they don't want to help me to solve this problem.the HR team are willing to help me for any supporting documents they need. I hope you can help me regarding this matter. Thank you
Consumer complaint received 2023-01-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Epn, Inc. (UT)

I received medical care at XXXX XXXX XXXX in XXXX, UT, in XX/XX/XXXX. In XX/XX/XXXX, I received a call from The XXXX XXXX, a debt collection agency to pay for this service. XXXX never attempted to contact me and I assumed my insurance paid for the visit. I paid The XXXX XXXX and assumed that was the end of it ( I have the receipt ). 

On XX/XX/XXXX, my wife received a call from XXXX financial services saying that I had to pay a medical bill from XXXX XXXX XXXX. I called them back and their collections agent said they had been trying to contact me since XXXX of 2022. She said she had called my wife multiple times since XXXX and sent many letters that got sent back. They were sending letters to an address that I've never been associated with in a city where I've never lived. I checked my wife 's phone records and she did not receive a call from them until XX/XX/XXXX. Additionally, they are charging me over {$100.00} in interest for 6 months. 

To summarize, they : 1 ) Tried to collect on a bill I already paid 2 ) Lied about trying to contact me ( no calls on phone record and sent letters to phony address in attempt to drive up interest ) 3 ) Illegally charged an excessive amount of interest ( over {$100.00} in 6 months on a {$300.00} medical bill )
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a letter from " Midland Credit Management '', dated XX/XX/XXXX, stating " We are trying to collect on your XXXX XXXXXXXX XXXX debt that you now owe to MCM. We will use any information you give us to help collect debt ''. They further stated in the letter, " On XX/XX/XXXX, your account was sold to Midland Credit Management , Inc, which is now the sole owner of the debt ''. 

This is extremely concerning to me as this is not my debt and I am in no way responsible for paying this. What is more concerning is that they have my address on file to send me this collection letter. I am confused how this company has my address in the first place. Additionally, the name on the front of the letter and the name that is used throughout the contents of the letter is the incorrect spelling of my name. I am not sure if this is fraudulent but I believe Midland Credit Management is utilizing extremely predatory tactics to collect this debt that does not even belong to me. I consistently check my credit using XXXX XXXX XXXX XXXX as well. XXXX, XXXX, and XXXX does not show any opened accounts with this information, or any accounts in default for that matter. 

They state that that " As of XX/XX/XXXX, you owed {$330.00} ''. They state I had a " XXXX XXXX XXXX XXXXXXXX '' account and that it has been in default since XX/XX/XXXX. It also states that the last payment date was : XX/XX/XXXX and the account was charged off on XX/XX/XXXX. 

The letter states : " Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 

I do not feel comfortable contacting this company on my own as I do not want to give them any more information than they already have. This issue is extremely pressing as they have given me until XX/XX/XXXX to respond or they will assume that they information they have is correct. If you have any questions please do not hesitate to reach out to me via phone or email to get this issue resolved promptly. 

Below I will list off contact info they have listed in the letter : Email : MidlandCredit.com Phone : XXXX Send payments to : Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX " Send disputes or an instrument tendered as full satisfaction of a debt to : Attn : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You may also call : XXXX ''
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (GA)

I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my der 15 USC 1681. federally protected consumer rights to privacy and confidentiality inger 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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 no acurate delete the account below
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (FL)

I opened a credit card line with XXXX XXXX at the time of my employment. Which was about a year or so ago. Ive been unemployed for the same amount of time. After being laid off from my job, I fell behind on credit card payments and was no longer able to afford the card. Over time, I received calls from XXXX XXXX, I explained to them the Hardship I was going through and that I couldnt afford to pay them a lump sum of the money. I continuously received calls from XXXX XXXX about my credit card, even after I explained to them my situation and how I couldnt make payments. Afterwards, I began to make a few payments in increments but in the end, the payments caught up causing me to fall even more behind. Im a college student and almost always never have any funds due to me having to pay for those expenses. I receive financial aid, which im thankful for, covers almost most of tuition along with other fees. Since im still unemployed at the moment, I have little to no funds to my name. Today, I had an unauthorized Adjustment made to my debit card, which removed {$240.00}. This was my financial aid return to me, which I need in order to pay for my textbooks. I spoke to a Navy Federal credit union member representative today, XX/XX/30 at about XXXX and explained the situation. They looked it over and explained that it went to a debt I owed them. Navy Federal closed my credit line and sent it to collections months ago. Which is another reason Im confused as to why they would even bother to remove the funds. I do in fact have future plans to pay the debt collection agency, and asked for NFCU to reverse the funds. Unfortunately, They werent able to resolve my problem. The call was escalated as well but still no resolution.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX   XXXX   XXXX   says I was 30 days late in   XXXX   2017. Please see attached payment history ( specific to account ending in  XXXX  ) from   XXXX   2017 to present showing on-time monthly payments.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX removed the alleged debt from their credit file. Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies.
Consumer complaint received 2023-01-23
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: LoanCare, LLC (CA)

In XXXXXXXX XXXX XXXX I entered into a Covid forbearance. I was told in both writing and verbally that there would be no negative reporting to my credit report. I complied with all of the Covid forbearance guidelines. My credit currently shows me being late on my mortgage the whole 8 months I was the Covid Forbearance.