davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Healthcare Collections-I, LLC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2023-01-18
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. (TX)

In accordance with the fair credit reporting act XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 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. Furthermore the above accounts were created without my knowledge and I demand that the attached account be permanently removed from my credit file.
Consumer complaint received 2021-01-11
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. (FL)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX, XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ; XXXXXX/XX/XXXXXXXX XXXX, XXXX ; XXXX XXXX  XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2023-01-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have been with USAA for decadesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I took out {$1200.00} on the credit card to start another bank account. My attempts to repay it failed, and I have been unable to access my account on their website. They have charged me XXXX XXXX dollars of bogus late fees, and ruined my credit rating. Which was good, since I repaid {$10000.00} in loans last year. 
I have been absolutely unable to pay them, or access my account. I have spent hours on their XXXX phone system listening to theiXXXX XXXX XXXX XXXX only to be cut off or transferred to people who don't answer. They give me numbers that don't answer, send me emails that can't be replied to, and tell me to go to the website that I can't get into. It's making me nuts.
Consumer complaint received 2023-07-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (MD)

Resurgent Capital Services has been informed several times to stop contacting me via phone and email. I have disputed this several times in the best, in which, my consumer rights are constantly being violated. They have contact me via email and through phone several times. Also, emails that they are sending me do not have correct spelling of my name. The name they have on file is spelled XXXX. I have disputed that as well previously. The company has violated my FTC consumer rights and I would like them to be held accountable for the their actions. I have not acknowledged this debt at all and been disputing for over a year. I have police reports placed in my FTC that fraudulents acts were on my credit report. I have contacted my state department commissioner as well about the original creditor.
Consumer complaint received 2023-07-03
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. (PA)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Bread Financial Holdings, Inc. (NJ)

I just checked my Victoria 's Secret credit card statements and realized that I 'm being charged two different reoccurring charges each month, for at least the last 24 months, amounting to at least XXXX dollars per month. The total cost for these charges was XXXX. I could not get this resolved through Comenity Bank and was told to call the two other companies issuing these reoccurring charges. I was told by XXXX that I had authorized this service when I activated my card. I would not authorize such charges, but can not speak to anyone regarding getting my money back. Comenity Bank 's customer service number is a never ending loop of computerized choices that do not connect me with an actual representative.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX please 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 2021-01-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: USCB, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I had a consumer loan for a XXXX XXXX XXXX. on or about XX/XX/XXXX I sold the car and its still showing up on my credit that I have the account and I do not.
Consumer complaint received 2022-11-18
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. (SC)

Company : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Collection account # : XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state. 

Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. 

I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-11
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. (MD)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2015-06-29
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Rubin & Debski, P.A. (FL)

My original complaint regarding dead air calls Case Number XXXX went unanswered by XXXX Associates. I am filling a new complaint as I am again receiving repeated dead air calls. 
XXXX Associates XXXX XXXX XXXX XXXX, FL XXXX acting as a Debit Collection Agency failed to validate their claim for the account which they were attempting to collect a debt, XXXX XXXX Account : XXXX their Case No : XXXX, as required by the Fair Debt Collection Practices Act Section 809 [ 15 USC 1692g ]. The debt has been disputed thus XXXX Associates were required by the FDCPA to cease collections. I am again receiving harassing illegal dead air calls from their phone number XXXX to my cell XXXX. 
Just a few of the recent calls : XXXX XXXX, 2015 XXXX XXXX XXXX, 2015 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2015 XXXX
Consumer complaint received 2023-07-05
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MD)

Reference Citibank Case # XXXX .... ( Assigned by a Mrs XXXX..Citibank ACH Dept XXXX XXXX ) In XXXX XXXX my Citibank Debit Card : XXXX was debited {$2000.00} for a cruise with Norwegian Cruises. This cruise was cancelled, and the XXXX XXXX XXXX XXXX Ms XXXX ) XXXX..said all monies for the trip were credited back to the debit card/checking accounts of origin on or shortly after XX/XX/XXXX. Again, the Citibank debit/checking account used was XXXX XXXX XXXX. Unfortunately, by the time the {$2000.00} credit was sent back to Citibank on XX/XX/XXXX, my checking/debit Card account was closed XXXX effective XX/XX/XXXX ). But, as a reminder, the account was in good status when the charge was originally made on XX/XX/XXXX. 
It is now XX/XX/XXXX, and I have been waiting for this payment since XX/XX/XXXX, the date XXXX XXXX has verified that the {$2000.00} was sent back to Citibank. Citibank gives me a different answer to my inquiry each time I call. I am told to call back in week. Recently as of XXXX, I was told to call back in 24-48 hours. Enough is enough. I need my money returned now, and a check issued to me as soon as possible.
Consumer complaint received 2021-01-11
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. (MD)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative 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 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. (CA)

DEAR SIR I HAVE BEEN ASKED BY DEPT OF JUSTICE, US ATTORNEYS OFFICE TO WRITE TO YOUR OFFICE. 
EXPERIAN HAS BEEN CONTINUOUSLY REPORTING INACCURATE LATE PAYMENTS, AND DEDUCTING EACH MONTH XXXX POINTS FROM MY CREDIT SCORE FROM LAST YEAR XX/XX/XXXX. 
JUST TODAY XX/XX/XXXX, I WAS ALERTED THAT EXPERIAN DEDUCTED ANOTHER XXXX POINTS FOR UNEXPLAINED REASONS. 
XXXX XXXX XXXX  HAS BEEN PAID, FOR THE ANY PAST DUE. THERE IS NO PAYMENTS DUE AS OF DATE, BUT EXPERIAN HAS REPORTED LATE AGAIN JUST TODAY. 
THIS IS TOTALLY WRONG AND FRAUD, SCAM FROM EXPERIAN I WOULD LIKE YOUR OFFICE TO PLS ASSIST ME IN THIS MATTER
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I contracted XXXX on XX/XX/XXXX. I was severely sick for a year. Unauthorized charges to my account began to occur XX/XX/XXXX which I was medically unable to discover as I was unable to go through my finances. These charges total {$29000.00} from XX/XX/XXXX until XX/XX/XXXX with companies I have no account with such as XXXX and XXXX Eats. Charges were made in different states on the same day and being a Citi Gold customer I was advised my account had protections from such fraud. The bank has returned {$14000.00} but says because I did not report the theft sooner the balance of funds stolen from my account will not be returned.
Consumer complaint received 2021-01-11
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: Medical Data Systems, Inc. (IL)

On XX/XX/2020 Med Data Sys added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Med Data Sys has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (TX)

I purchased a vehicle with XXXX XXXX XXXX XXXX around XX/XX/2020. The financial dept added gap and extended warranty to the loan. The purchase price of the vehicle was {$10.00}, XXXX. After extended warranty and gap was added to the loan the full amount came out to {$13000.00}. About a month later I received a letter, from XXXX the gap and extended warranty company, stating my policy was canceled and a refund check of {$490.00} was refunded. I called ally and they said someone at XXXX XXXX had XXXX requested that it be canceled. I asked where that refund check was sent because the loan company nor I ever received that refund. I told him Im technically still paying for the gap and extended warranty as it is included in my loan. They said it was sent to someone named XXXX at XXXX and according to XXXX notes XXXX had said she gave me that money!!!! Which is NOT true!!! I called echopark several times. I had to leave messages on voice mailboxs and when I finally spoke to a manger he promised to look into it and he would call back the same day. 2 weeks later he still had not called back. I received a text from someone at XXXX in XXXX saying they will try to put the extended warranty and gap back on. I have not heard back from anyone and when I do contact someone they say the person I need to speak to is out of the office!! This is NOT ethical and it is against the law to cancel car owners gap and extended warranty and keep that refund when people are paying on it still in their car loan!! Please look into this. Also, they requested that I put {$2500.00} down to purchase the vehicle. That money is no where to be found. It was never included or deducted from my loan. Its just missing?!!! Please help me. Im a single mom who was purchasing a vehicle for my Daughter who went off to college. They probably saw me as an easy target. Im sure they have done this to other consumers as well.