davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are. 
reporting inaccurate information in the personal information section. To diminish speculation my information is as follows. 

Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. 

My address should read : XXXX XXXX XXXX. 
XXXX Pa, XXXX Social Security XXXX Please remove ANY other information you are currently reporting as it is NOT accurate. 

I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification. 

Best Regards,
Consumer complaint received 2022-12-29
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. (MI)

XXXX XXXX XXXXXXXX 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 An 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 2023-06-01
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. (NM)

This is my request that I have been a victim of identity theft and that no one seems to care about this matter. I demand that you will remove all the inaccurate informations on my credit file that are unknown to me. Failure to comply will results in legal actions against you so kindly follow the law. Please remove the following items : 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
Consumer complaint received 2022-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have submitted multiple times to Transunion to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Transunion it was confirm valid but NO PROOF was shown. I've faxed and mailed out via certified mail a FTC report and also a police report and XXXX failed to follow suit as other credit reporting agency has done so. I need 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 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 removed from my credit report or send debt validation of these accounts with my signature. 

PLEASE SEND COPIES OF DEBT VALIDATION WITH SIGNED SIGNATURE OR DELETE FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I filed a dispute on my prepaid American Express Serve account for a total of XXXX atm withdrawals that were fraudulently done on my account. This totaled {$2000.00}. XX/XX/XXXX I received a dispute acknowledgment email.After checking my account history deeper I was able to locate XXXX more atm withdrawals that were fraudulent on my account which totaled {$810.00}. This brought the total money stolen from my account to {$2800.00} dollars. XX/XX/XXXX I filed the dispute for those transactions. XX/XX/XXXX, I received another dispute acknowledgment email, this is where I can submit my forms and evidence. 
XX/XX/XXXX my dispute was declined over email, I never spoke to anyone about this investigation. The email stated that they saw no error in the transactions and that they were authorized. Not once did I give my card to anyone nor does anyone know my pin. XX/XX/XXXX I filed another claim, XX/XX/XXXX I received an email acknowledging the dispute. Then again I submitted my evidence and an explanation of this. XX/XX/XXXX the dispute was declined again saying no error has occurred. Then XX/XX/XXXX I filed another dispute, XX/XX/XXXX I received a dispute acknowledgment email again, I sent in the evidence again. This is my XXXX dispute and I really need professional help. I feel their practices have not been in line with the consumer rights and laws. Now this matter has been unfair and Ive had no type of communication with the investigating team, not once. I feel that is wrong on top of the matter that I did not authorize, nor did I take this money out. It was taken out fraudulently. The common theme of these transactions were that they went to XXXX XXXX locations from XXXX XXXX taking out {$700.00} plus dollars at each of the locations. My daily limit of what I can take out is {$600.00} dollars it has never let me exceed that. On top of that I have never taken money out of XXXX locations. I prefer going to a money pass ATM where it is free, those are usually located at a XX/XX/11 and they are pretty secure. Also I work frm XXXX to XXXX XXXX  and during those days they made multiple visits. I could not and would not take a trip to XXXX to take money out when it is multiple atm machines near my work place. It is clear this was fraud but some reason Amex thinks otherwise. I would appreciate your help, my name is XXXX XXXX my number is XXXX, email is XXXX, thank you for your time.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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 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. 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 2022-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Ive called Comenity Bank multiple times ( at least 4 ) since I signed for a card with Ulta. When I called I asked to change my payment date as I noticed I was getting charged a late fee every month as the bill is for the XXXX. I usually pay the bill on the XXXX. Because my bill is paperless I wasnt aware I was accruing late fees. When I realized it I called. XX/XX/XXXX was the first time I realized I was being charged a late fee. At that point I had been charged on XX/XX/XXXX & XX/XX/XXXX. In XX/XX/XXXX Comenity Bank removed the late fee for XX/XX/XXXX. I asked to change the date of the payment. I was informed I needed to call back closer to the middle of the month. Life is busy and a few months would go by and Id remember and call again only to be told the same thing, call back. The card has a credit limit of {$700.00}. Theyve charged me {$310.00} in late fees since XX/XX/XXXX with the excuse of having an old system and being unable to change my payment date at the time of my phone call. Ive called 4 times maybe more trying to get my date changed. I have been unsuccessful which has increased my interest and late fees because Comenity Bank continues to use the excuse of their system being unable to change the date when I call to continue with their deceptive and bad business practices.This causes unnecessary and unfair, and unaffordable late fees every month, which raises the interest rate monthly, and raise the interest rate overall because Im late due to their inability to change the date when I call.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX
Consumer complaint received 2015-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (VA)

I was unemployed at the time when this debt collection attempt took place. At that time, a local agency called XXXX was providing energy assistance for my family during the winter and summer and they have been making payments to XXXX XXXX XXXX to cover my utility bills. I do n't know what went wrong and I was not notified of any issues with my energy assistance that I was receiving from XXXX. I was going through hardship due to job lost. I was receiving XXXX and other other help from the state plus XXXX.
Consumer complaint received 2021-01-04
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: Convergent Resources, Inc. (PA)

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 

CONVERGENT OUTSOURCI Reported : XX/XX/2020 {$7100.00} There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2021-01-04
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: AMERICAN EXPRESS COMPANY (NC)

There has been fraud inquiries on my account with American Express, XXXX, XXXX XXXX  and other companies.This issue has been going on for a couple of months is there any way that I can get some assistance with getting this issue resolved?
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES (CA)

There are 9 medical bill from XXXX XXXX XXXX   hospital that have been sent to Kings Credit Services dating from XXXX to XXXX that should of been billed to XXXX. My daughter and I had insurance and we were seen several times over those 2 years yet these bills were still sent to collections. I have submitted proof from XXXX stating we did have ins. I also sent a letter from where we were see ( clinic ) showing proof we had ins, yet their billing dept says otherwise. Their response to this was they never received ins information, yet they were. I have tried several times to resolve this issue since XXXX. Their notes state that ins was never turned in but we seen them throughout out stay in XXXX and that was 2 years. I know that proof of ins was provided.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC (CA)

My car was recently deemed a total loss due to an accident on XX/XX/XXXX. Due to hardship, I am about to deliver in XXXX weeks, I am XXXX payments past due XXXX days. My monthly payments are {$410.00} each month until XX/XX/XXXX. The principal amount currently is {$14000.00} with a payoff valid till XX/XX/XXXX of {$17000.00}. 

The check for the total loss pending is {$8000.00}. I am aware I am responsible for the loan. However, the rep at American Credit Acceptance in the total loss department who is supposed to be a supervisor just told me, the check will ONLY go towards the principal amount and NOT cover the past due first, that I am still responsible for the {$410.00} each month for the remainder of the loan ( XX/XX/XXXX ) and there is no renegotiation. 

HOW is this even possible? Why would the past due not be covered first, then applied to the balance, then recalculate the payments with a serious deduction in payments? 

Then I asked if someone had any intentions of calling me once the payoff is posted and she replied no they do not do that. 

No wonder this place has a rating of UNDER XXXX! 

I demand they be looked into. This company is not operating with standards.
Consumer complaint received 2022-12-29
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. (MD)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-01-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NE)

Midland Credit Management was sent a certified letter in XX/XX/XXXX asking them to verify whatever debt they alleged was owed and a notice to stop all communication attempts aside from mail. USPS verified they received that notice and request on XXXX. Midland Credit Management ignored that request by never responding to the request, which is allotted to consumers under the Fair Debt Collection Practices Act, and continued to harass the alleged debtor. 

Please see below for an exert of direct communication ( the first paragraph was included in the XX/XX/XXXX certified letter and pasted into the second certified letter sent XX/XX/XXXX ), sent via another certified letter to Midland, on XXXX : The alleged debtor would also like to request, in writing, that no telephone contact by your office or affiliates to any contact number your company or affiliates associated with the alleged debtor. This includes personal and employment information. If your offices attempt telephone communication, it will be considered harassment and the alleged debtor will have no choice but to file a complaint. All future communications with the alleged debtor must be done in writing. 

Since receiving the accused debtor communication in XX/XX/XXXX, Midland Credit Management has attempted telephonic contact at least seven different times : XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST '' Since sending them the 2nd certified letter, confirmed delivered by USPS on XXXX, Midland has again continued the harassment of the alleged debtor and has attempted to call at least four more times : XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST. 

Midland Credit Management has broken the law twice regarding this case and still continues their harassment. The alleged debtor has all documents sent to and requested of Midland, tracking numbers, certification documents from USPS that the letters were received by their company, and phone records to prove all allegations.

The alleged debtor has two certified letter confirmations that they received the request for debt validation and to cease all communication attempts unless via mail and Midland continues without any regard for the law. 

This company needs to be stopped or held liable in a court of law. 

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-01-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Freedom Mortgage Company (MD)

I am the attorney for a client in bankruptcy cases. I assume this is one of my clients but the statement is in my name - and so I have no idea who it belongs too. The mortgage company continues to put my name on the mortgage statements and send them to my office instead of the Debtor. I have asked via phone and letters numerous times to have the statements taken out of my name and forwarded to the Debtors property address. The mortgage company refuses to correct the issue. The most recent statement dated XX/XX/2020 is still addressed the same way, please see attached. I have also contacted their attorney - XXXX XXXX XXXX. I have attached the statement for you to see. Please understand this has been going on for over a year.
Consumer complaint received 2018-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXX XXXX about a medical bill that was disputed back on XX/XX/XXXX that the validation of the debit wasnt mines. The company was unsuccessful at validating this debt they didnt have a contract or my signature they couldnt prove anything and the debt was removed. I receive a letter in the mail on XX/XX/XXXX and I wrote the letter telling them the debt doesnt belong to me and they sent a letter back stating a account number and balance no contract no nothing so now today they added this debt to my credit report without proving once again this debt is mines
Consumer complaint received 2023-08-02
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. (TX)

I have reached out to all three credit bureaus to let them know that I was a victim of identity theft and I have no knowledge of these accounts that are reporting. I have also asked for verification of all accounts which they have failed to do. My identity theft report from the federal trade commission is also attached to this report. 

XXXX XXXX  XX/XX/XXXX {$8100.00} XXXX XXXX XX/XX/XXXX {$7800.00} XXXX  XX/XX/XXXX {$1500.00}