davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (OH)

LexisNexis report it to my insurance agency XXXX XXXX that I had an accident the accident was my husband 's I have not had an accident in over 30 years and the XXXX confirm this I had to change insurance companies because XXXX XXXX would not recognize this now when I tried XXXX XXXX the same information is coming up when I tried to address this issue with LexisNexis they say my file is they say they can not locate my file I have copies of everything they sent me and the bad information that they are putting out when I asked for a copy of that they continuously say that they do not have me on file this is the second time I've tried to address this issue and they will not change the report
Consumer complaint received 2023-06-21
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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

We signed up for a Chase/Marriott XXXX XXXXXXXX credit card in XXXX under the sign-up promotional offer of {$250.00} credit, no fee for the first year, and XXXX bonus points ( now increased to XXXX ) if we spent {$3000.00} in the first three months. Which we did, in XXXX. The fine print said points would be posted in 8 weeks. It's been 9 weeks, so we contacted the number on the back of the credit card to find out when the points would be posted to our account. We were told that the deal would not be honored, and we would receive no points. I've spent all day going back and forth with Chase/Visa customer service and XXXX  XXXX customer service. XXXX  XXXX says it's a credit card account problem that they can not help with. Chase/Visa pleads ignorance of the promotion, even though it's currently visible on the XXXX XXXX website and was also the reason we signed up for the credit card in XXXX. We have received the {$250.00} credit and have not been charged the fee.
Consumer complaint received 2022-11-02
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. (IL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$17000.00} ; DEPT OF ED/XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$350.00} ; DEPT OF ED/XXXX XXXX XXXX : {$450.00}
Consumer complaint received 2021-04-03
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: RANLife, Inc. (CA)

Ranlife changed my loan number and messed up the record keeping of payments in XXXX. Subsequently due to general negligence their original servicer XXXX reported lates, then Ranlife reported lates through the new servicer XXXX. 

We had no lates in XXXX or XXXX, My bank actually shows additional payments.
Consumer complaint received 2021-05-21
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: Resurgent Capital Services L.P. (MA)

I was a victim of identity theft and the result of that several account are reporting that are not mine i have try many times to fix this problem with these company and they refuse to removed these account from my report, account that are fraudulent XXXX XXXX XXXX # XXXX XXXX # XXXX COLLECTION # XXXX COLLECTION # XXXX COLLECTION # XXXX
Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: VYSTAR CREDIT UNION (FL)

On XX/XX/XXXX I spoke to the representative XXXX and requested a draft to give to XXXX of XXXX XXXX for the vehicle listed on the Buyers Order. The representative used my account information and SSN to obtain a credit report from the credit reporting agency called XXXX XXXX XXXX. On XX/XX/XXXX I was advised by XXXX that I didnt get approved because my credit score was too low. I was not asked for a copy of my driver license and didnt sign anything because XXXX was entering information in the computer. 
Then on XX/XX/XXXX, XXXX called my cellphone and asked me to call her. When I called XXXX back, she said she may have a way to get me what I requested. She stated she needed me to send a copy of my driver license and to sign my name three times and faxed to her. Instead of faxing my driver license and signature, I drove to Vystar and gave the information in person. XXXX made a copy of my driver license and the three signatures. She said she was speaking to someone and then told me that I was denied because of the low credit score. 
While I in the office with XXXX, I received a notification on my cellphone alerting me that my SSN was used for hard pull on my credit report. I asked XXXX if she ran my SSN again. She told me she didnt see a 2nd hard pull inquiry from XXXX XXXX XXXX stated that they tried to get me financed with XXXX XXXX who is in-house lender they use to try to get an approval when people have a low score. XXXX did not ask for my permission to use XXXX XXXX 
XXXX did not get my permission to run my SSN a second time. Her actions are identity theft because she did not have my permission to use XXXX XXXX  without my authorization XX/XX/XXXX. I did not input my own information and didnt sign an authorization or release of my SSN to be freely run as the representative did. 
I was not advised by XXXX that she was inputting my SSN with XXXX XXXX. I didnt authorize XXXX XXXX my SSN with a third party. XXXX checked the computer and advised that XXXX XXXXXXXX didnt approve my request because of the low credit score. I was denied twice because of a credit store. 
I received a notice dated XX/XX/XXXX which stated, We obtained your credit score from the above referenced consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. 
On, XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX The letter stated they provide insurance to the financial institution to support its lending operations. They were provided information from the consumer reporting agency. 
The letter from XXXX XXXX XXXX confirms this third party was provided my SSN to run a credit report that I did not authorize. I am also aware that I did not request insurance from this third party.
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MI)

XXXX XXXX told me I would get reception where I live and I didnt get reception and I told him I didnt want the contract anymore. It wasnt really a contract. It was a prepaid SIM card for my phone in anyway after I canceled it I called them several different times on it and they just kept right on billing and they keep charging me for the first month that I already paid you but its ridiculous how they keep charging people for something that you dont owe
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (WA)

I RECENTLY REFINANCED MY HOME LOAN THAT I ONCE HAD WITH QUICKEN LOANS. AS WE WERE CLOSING, QUICKEN LOANS FOR WHATEVER REASON SOLD MY MORTGAGE TO " XXXX XXXX ''. MY PAYOFF CHECK GOT TO QUICKEN LOANS AND QUCIKEN LOANS ACCEPTED THE PAYMENT AND CLOSED OUT THE ACCOUNT. ALL THIS HAPPENING WHILE XXXX XXXX  IS NOW TRYING TO COLLECT A MONTHLY PAYMENT FROM ME. THIS IS A COMPLETE ERROR BETWEEN QUICKEN LOANS AND XXXX XXXX. I HAVE ATTACHED A COPY OF THE " CLOSING DISCLOSURE '' SHOWING PROOF THAT MY REFINANCE WENT THROUGH SUCCESSFULLY. XXXX XXXX  NEEDS TO BE DELETED FROM MY CREDIT ASAP! THIS IS A COMPLETE VIOLATION.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Consumer complaint received 2023-05-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CO)

I moved out of XXXX XXXX on XX/XX/2022 when my lease was up. I gave notice on XX/XX/2022 that I was not renewing the lease and I was moving out. XXXX XXXX is trying to charge for the month of XX/XX/2022. I do not owe this debt. 
They are trying to charge me XXXX for the month of XX/XX/2022 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX i have sent letters to XXXX XXXX, XXXX XXXX, and Transworld systems inc. with all the documentation to prove I do not owe this payment. But I have heard nothing in return. My lawyer also contacted them with no response.
Consumer complaint received 2022-11-02
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (RI)

I agree to a debt collection with XXXXXXXX XXXX, my debt is getting very close towards wrapping up and and the agency is trying to use stall tactics to collect more money. 
They are using falsified information and lying to me about so-called money that I owe them. 
# XXXX XXXX XXXX XXXX XXXX XXXX I am getting very close to wrapping this thing up and the bank is trying to stall this to collect more money.
Consumer complaint received 2017-05-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC (TN)

Received call from "   XXXX   XXXX   '' claiming I owe a debt to some payday loan company. I do NOT. I owe ANY payday loans.
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They threatened to take " legal action '' if I did n't call. I did to listen to their lies -and they claimed a payday loan company named "   XXXX   XXXX   '' was their client.
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ALL completely fake and a complete scam. While they did have my 1st and last name and my last 4 digits of my SS # - they clearly bought this information and are attempting to strong arm me into paying a ransom. Illegal under Federal and State criminal laws.
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The BBB has them marked an F and a known scam in NY -- >   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    I demand they stop contacting me and purge all information they have in their system on me purged - immediately.  <P/>
This company must be shut down immediately to prevent further ID theft of others.
Consumer complaint received 2022-11-02
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (PA)

I am a victim of fraud and filed a claim with NetSpend on XX/XX/XXXX for {$2100.00} ( claim # XXXX ) for money fraudulently debited from my account. OnXX/XX/XXXX I received an electronic notification from NetSpend stating the " disputed transaction claim has been resolved and after investigating your claim, we have confirmed that the error ( s ) should be corrected. $ that was erroneously charged will be credited back to your account today. Any associated transaction fees will be credited within 10 business days. '' Today is XX/XX/XXXX and the funds have not been credited back to my account. I have called three times, spoken with XXXX, XXXX, and XXXX. They stated the email was a mistake and it " happens all the time. '' I explained the only written notice I received states my investigation was complete and an error occurred and per Regulation E the error must be corrected within one ( 1 ) business day. I was hung up on, transferred, and each individual refused to resolve this issue by providing the credit I am entitled to, that was promised in writing, and that is required under the law.
I have attached documentation of the notice and I am requesting NetSpend immediately credit my account in the amount of {$2100.00} and any applicable fees.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (FL)

My previous complaint on this same topic - XXXX. It takes SUNTRUST now TRUIST a month to process payments. In XX/XX/2021 I received a bill and made three payments to try and rectify the situation with n success. They still charged a late fee and interest. until I complained and got it reversed. They tried to blame me saying aI I used the wrong address. When that proved to be a bogus strategy they then blamed the post office. When I pointed out my previous complaint predated recent postal problems which they said started in XXXX they told me to drive to the branch and pay in person. 

For the month of XXXX, I received a bill for {$150.00} and paid on XX/XX/XXXX {$400.00}. The payment has still not been logged in. I suspect they are doing this to garner late fees and interest charges.
Consumer complaint received 2017-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was double billed for a Hotel Night stay by the hotel and the booking agent. I disputed the hotel charge and if Capitol One credit card company did as instructed, it would have eventually worked out. Their interference without my instructions only made the problem worse. If I understand the procedure, I the client am right until the Vendor proves otherwise.
Attached is my last correspondence with Capital One without acknowledgement that they received it.
I believe their procedures should be reviewed and phone communication does not seem to work. Plus extremely time consuming
Consumer complaint received 2017-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northstar Location Services, LLC (WA)

On XXXX XXXX 2017 I received a letter from Northstar Location Services , LLC, about a debt they were trying to collect in the amount of {$32000.00}. On XX/XX/XXXX I sent them a letter requesting them to, among other things, establish their ownership of the debt, verification of the debt, and information about their authority to collect the debt. This letter was sent via USPS certified mail, and received in their office XX/XX/XXXX.
On XX/XX/XXXX I received a series of account statements, which appeared to be in my name, for a debt I do not recognize. There was no information about their ownership of the debt, their authority to collect the debt, the status of their debt collection license ( if any ), etc. All of this information, and more, had been requested in my original letter, as well as my assertion the debt was disputed. To date, this company has failed to provide any of this information.
They have, however, began to call my elderly mother, and presumably other people, despite the fact they are clearly able to communicate with me via mail, and despite my written request that they do in fact communicate with me by mail. There is no reason for them to be contacting others in an attempt to " locate '' me.
As a result I believe this firm to be in clear violation of the Fair Debt Collection Practices Act. They have failed to verify the debt, their authority to collect this debt, and their ownership thereof. And finally, they are needlessly contacting third-parties to " obtain location information '' when we are already in written correspondence, a tactic which seems closer to harassment of my family than a good-faith effort to find me.
I have attached my written response to their original letter.
Thank you for your attention to this matter.
Consumer complaint received 2022-11-02
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX  Acct # 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 2024-03-23
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. (TX)

I have communicated several time for the removal of a bankruptcy and the items that I have showing negative notations on reporting on my credit report recently even providing the evidence from the court stating that they do not report to any third party. I have at no time ever given my consent to XXXX, Trans Union or XXXX to report anything on my behalf. Nor did I ever give my consent to any creditors to disclose my information to any third party company. They are also reporting items on my credit report that are showing to be charged off and according to the IRS publication a Charge off is considered income.

I am asking for the removal of all items on my credit report that fall under the Purview of the sited Acts, Codes and Public Laws immediatley.

They are in direct violation of the Privacy Act of 1974, 15 US ode 1681 ( b ) Permissible Purpose, as well as P.L. 90-321 - That states the following : ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.