davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-08
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. (LA)

On XXXX I've sent disputes regarding to those unknown and inaccurate account I found on my credit report. but, It's 60 Days now I haven't received any response. I'm a victim of XX/XX/XXXXData Breach. I demand to DELETE immediately those accounts or I will file a litigation.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (IL)

The IRS made a direct deposit to my Paypal account on XX/XX/2021 for {$600.00}. The account number has been verified as correct. I spoke with one person on the XXXX that said no deposit received. I spoke with XXXX on the XXXX, he stated it has been received and he assured me my funds will be posted on the XXXX. Its been a delay due to Paypal systems. I spoke with XXXX on the XXXX, she can not explain why XXXX said itll be posted on the XXXX, and refused to give me a supervisor. She just informed me it takes 3-5 days. Today is the 5th day and nothing has posted to my account. Its really sad that PayPal, a large company like this would delay the processing of funds. Especially during a time like this. Their customer service XXXX
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (CA)

I have received multiple unknown phone calls from numbers throughout XX/XX/XXXX, all under the same name Credence. Despite blocking them, I googled their numbers and was made aware they are under Credence Resource Management and had many multiple negative reviews. Believing it was a scam I ignored this. Today however, I was made informed my credit score dropped slightly under the name CREDENCE RESOURCE MANAGE for what Im assuming is a {$150.00} XXXX XXXX XXXX bill collection. ( unknown to me as I left their services months ago ) opened XX/XX/2023. I am willing to negotiate and/or pay for delete but would like confirmation, first.
Consumer complaint received 2017-04-08
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMERICAN EXPRESS COMPANY (TX)

The American Express office in Arizona called my neighbors in Texas, XXXX mother in Missouri, my daughter in Texas, my daughter in Illinois and my wife 's employer about payment. These phone numbers were illegal obtained and no permission was given to AMEX to contact these people and state there were attempting to contact my wife or myself. Contacted me after I asked not to and Contacted my wife 's employer.
Consumer complaint received 2021-01-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I received a telephone call from XXXX XXXX at Fidelity Creditor Services in mid-XXXX of XXXX notifying me for the first time of a debt that would be going to collections. I told XXXX that I had never received any notice and was caught off guard at the request from a random person asking for my credit card information to repay a debt. She responded that a notice was sent to an address that I have not been associated with since XX/XX/XXXX ( note that in XX/XX/XXXX I also notified the post office of my change of address, so I question whether they were actually unaware that I had not received the notice ). 

In connection with my rights under Section 809 ( a ) of the Fair Debt Collection Practices Act, I asked her to provide me with notice detailing the debt before I paid it and gave her my correct home address. XXXX noted that she would update my address in her system and send a new notice, however, it never came. To my surprise, on XX/XX/XXXX, I was notified via creditkarma.com that a debt was sent to collections. I immediately called Fidelity Creditor Services to understand why this was sent to collections, despite being aware that I received no notice of this debt ; however, I only received Fidelity 's answering machine, which noted that they were out of the office for the holidays and would not return my call before XX/XX/XXXX ( so I left a message ). I received a call back from XXXX on XX/XX/XXXX, and I expressed my frustration that she was aware that I never received notice of this debt and yet this debt was sent to collections. She was not able to provide me any evidence that the letter was actually sent to my new address ( so I question whether Fidelity actually sent the notice ). XXXX noted that she could send the notice to my email address, to which I asked her to please do so ( I'm not sure why this option wasn't raised during our first call ). A day passed and I never received the noticed via email. I called the next day on XX/XX/XXXX and told her I never received the email ( turns out she incorrectly typed in my email address and received a bounce back -- why she did not call back to confirm my email address is beside me ). 

XXXX " resent '' the notice ( which was dated XX/XX/XXXX ) and I immediately paid the debt ( including interest ) to get the derogatory mark off my credit report. The only written notice I have received was the notice via email and dated XX/XX/XXXX. I've attached the notice to this compliant for reference. 

I'm writing this complaint because I believe that the practices of Fidelity Credit Services should be investigated -- I am also disputing the {$36.00} interest that they charged. Fidelity was aware that I had never received notice and collected on the debt regardless -- they should not be able to profit off their unethical practices.
Consumer complaint received 2023-05-17
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)

I am submitting my complaint and i am very dissappointed whenever i saw my credit file with such an erroneous informations i had found and that are all unknown to me. I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. Please have them REMOVED from my credit file. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any ITEMS which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I want you to know that I am telling the truth and by XXXX not deleting these items is inadvertently. The following items are such an error to my file that needs to be deleted : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-18
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: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

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 2021-01-08
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: NFM, INC (TX)

XXXX  XXXX XXXX made an inquiry from XXXX  on XX/XX/2019 that I did not authorize. I, and XXXX, have sent many notices to XXXX  XXXX XXXX and they have failed to respond to us both within 180 days.
Consumer complaint received 2022-11-18
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2021-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

This card has not been used in months and carried a XX/XX/XXXX balance. I noticed my credit score drop and upon review found that there is a mysterious late charge. Capital one is not responding to my inquiry.
Consumer complaint received 2017-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (MO)

I closed my credit card account with First Progress due to them charging me fraudulent fees. <P/>They have on my credit reports that I owe them {$250.00}. My credit line was {$300.00}. I actually owe them {$150.00}. First Progress should not be in business because they are cheating their customers in fraudulent fees charged. <P/>I want an investigation into First Progress also I want you to get them to correct my balance owed to {$150.00}. <P/>Waiting for a reply, XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2021-01-08
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. (GA)

I Have been an 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, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Remove the fraud account or I will push the complaint.
Consumer complaint received 2021-01-08
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. (IL)

Im making this short because Im being blocked on here accountXXXX XXXX  XXXX  allegedly openedXX/XX/XXXX/XXXX it got updated to stay in my report untilXX/XX/XXXX how is this possible with the statue of limitation clearly another violation
Consumer complaint received 2023-06-25
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. (TX)

This account XXXX does not belong to me. I have done research and discovered it is a secured card. I dont need a secured card as I have a credit card with my financial institution XXXX XXXX! Please REMOVE this its extremely damaging to my credit. 



Please also remove the address XXXX XXXX XXXX And the phone number XXXX from my credit report as these are other fraudulent things open in my name.
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)

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 XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOUTHSTATE CORPORATION (FL)

What is this complaint about? 
Cost and time to constantly have to keep contacting the bank technical/security team to get access to my online banking. 

What type of problem are you having? 
I am a XXXX Citizen and have a bank account with Center State Bank in XXXX, Florida. I had a holiday home there hence the reason for the bank account. I have now sold this property but need to keep the account until all my taxes and administrative items are finalised probably into the middle of 2021. 

Every single time I try to log onto the online banking it says I have been locked out/or there is an error. 

I telephone the bank at considerable cost to me to get absolutely nowhere with them. They get me access which normally takes them anywhere from30 - 60 mins ( all the time hanging on the phone from the XXXX XXXX! 

But as soon as Iog off from the account and try to log back on the exact same thing happens again. So I have to phone the bank again - they refuse to deal with me via email - which is not helpful at all. Or what would actually be helpful if they could just sort out the account. 

What company is this complaint about? 
Center State Bank Who are the people involved? 
I have spoken to : Branch Branch Manager Central Bank XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-01-08
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. (AZ)

i want to a complaint on the one of your reps representatives that I spoke with today XX/XX/2020. I spoke with XXXX in your fraud department, and a few others in customer service These representatives speak from an entitled perspective and aren't there to correct unverified, erroneous and inaccurate name, addresses, inquiries and previously disputed accounts. Furthermore the accounts that are being reported inaccurately you guys have so called verified inaccurate, erroneous and unlawful information going against the Fair Debt Collection Practices Act as well as USC Section 1602, 1605 and 1692. Due to your company not investigating my disputes from XX/XX/2020 till current you have verified the inaccurate accounts referring to XXXX XXXX XXXX  act XXXX, XXXX XXXX XXXX act XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, The following accounts that I have added above have been removed from one of the major bureaus XXXX  and XXXX. proof provided below, Due to XXXX  and XXXX not being able to verify these accounts under the 609 Credit reporting Act they followed the laws that are governed to protect our consumer rights. Due to these two major bureaus complying with the laws that protect me why isn't your company following these laws and complying as well. Also how are you guys verifying these inaccurate and unverified accounts? These laws state that you have to prove how you are verifying this information and due to you not having this information you are going against these laws which has caused me personally major distress The following inquires XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, have also been proved to be inaccurate and unauthorized by XXXX  and XXXX. The following public record being reported on my file is against the Fair Credit debt collection Practices Act act and the Fair credit reporting Act. You are reporting this public record as if you are the original furnisher, only the original furnisher can report accounts or information with written consent and compliance with the USC 1602 and 1692. This public record has been proved to be reported inaccurately by XXXX  proof provided below as well. This abusive act has been an invasion of my individual privacy. If you do not respond or comply with these laws I fully intend to pursue all litigations possible in regards to this matter.
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (CA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

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 2023-05-25
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: EQUIFAX, INC. (GA)

There is information that is on my credit report that is a result of identity theft. I did not provide written consent or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this harmful information be blocked and deleted. The identified transactions are not information related to any transaction by me as the consumer.
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: Experian Information Solutions Inc. (SC)

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 XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (NJ)

Good afternoon, my debt was bought over from XXXX XXXX XXXX XXXX. Upon finding out about the debt I made payment agreements with LVNC Funding LLC to start paying off my debt. I began paying, then COVID hit and I was no longer able to pay thus said debt. I'm still not able, I'm currently unemployed and only received adoption subsidy. I recently received notice that I'm being sued by LVNV Funding LLC. This has affected my credit score greatly, at the time of agreement I had no knowledge of debt validation, and my rights. I've also learn that they are not licensed to collect debt in the state of New Jersey. Please I need some help, I'm really trying to fix my credit report
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (MS)

On XX/XX/2020, I noticed that my balance was really low when i signed in to see if my direct deposit had hit yet. I started reviewing all the transactions and found XXXX charges to XXXX that were not mine. I contacted Current and filed a dispute and was told that i would be recieving a provisional credit for the charges until the close of the investigation. I have not received any credit nor have they done anything about it. I have tried chatting with them through the app and get told the same thing every time, " its in review ''. There were XXXX charges and i have listed them below : 1. XX/XX/2020 @ XXXX for {$120.00} 2. XX/XX/2020 @ XXXX for {$210.00} Total : {$340.00} I just want my money back. Any other bank i have done business with would have had this back in my account a very long time ago. If you can help me out with this, i would appreciate it