davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
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. (WA)

XXXX charges were made to XXXX of my XXXX  XXXX XXXX accounts totaling {$90000.00}. There was a charge of $ XXXX on XXXX account and $ XXXX on another to XXXX XXXXXXXX XXXX I contacted XXXX  XXXX XXXX to dispute the charges and was told that it was authorized. When I asked by whom they told me that they could not reveal the phone number in which they authorized the charges nor the person that they spoke with to authorize the transactions. How can my cards ( which I am the sole user ) be authorized by someone other than myself? I disputed the charges verbally with XXXX  XXXX XXXX and they are now reporting charge offs on my credit report. I have a police report showing the fraud on the accounts which was given to XXXX  XXXX XXXX by XXXX XXXX whom I hired to get this resolved. I thought it had been taken care of as it is not showing through credit platforms such as XXXX XXXX and also was not on another report. I recently applied for credit and was denied as a result. This has not only cost me money in trying to repair my impeccable credit history but I am personally damaged by this reporting as I was not able to obtain business financing which resulted in me losing my retail business space for my business. XXXX  XXXX XXXX is fraudulently reporting this information and has not provided me with the information required by the the FCRA and has violated my rights under the FCRA.
Consumer complaint received 2019-02-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: D2 Management LLC (OH)

On XX/XX/XXXX at XXXX EST I received a call from D2 Management Collections Firm from number XXXX the woman stated she was calling about a debt from XXXX. I asked what date and she became audibly annoyed and said XXXX. I disputed the validity and asked what specific date and she said XXXX, XXXX, XXXX and then she said " SIR, we've talked to you about this before '' I said, " When did you talk to me? '' Concerned that my identity had been stolen because I've never spoken to this company and she said " You just need to stop asking questions and PAY YOUR DEBT! '' then she hung up on me. 
Confused by the treatment I called back at XXXX and was hung up on. I called back at XXXX and was hung up on. I called back at XXXX and asked the person who answered the phone to please not hang up on me that I need to speak with a manager. I was transferred to XXXX and I explained what happened, he said he would look into it. I asked that he pull the recordings so they are available to the CFPB because there was absolutely no warrant for the way I was treated and abused. Additionally, she legally could not demand I pay after I disputed the debt. The company 's other employees perpetuated the harassment by hanging up on me. It was so shocking and confusing WHY I was being treated this way for asking questions.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Its XXXX things on my credit report that needs to be removed. XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX These things have brought my credit score down. I need them removed asap.
Consumer complaint received 2023-05-15
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-05-15
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)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2022-12-13
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. (WA)

XXXX charges were made to XXXX of my XXXX XXXX XXXXXXXX accounts totaling {$90000.00}. There was a charge of $ XXXX on XXXX account and $ XXXX on another to XXXX XXXXXXXX XXXX. I contacted XXXX XXXX XXXXXXXX to dispute the charges and was told that it was authorized. When I asked by whom they told me that they could not reveal the phone number in which they authorized the charges nor the person that they spoke with to authorize the transactions. How can my cards ( which I am the sole user ) be authorized by someone other than myself? I disputed the charges verbally with XXXX XXXX XXXXXXXX and they are now reporting charge offs on my credit report. I have a police report showing the fraud on the accounts which was given to XXXX XXXX XXXX by XXXX XXXX whom I hired to get this resolved. I thought it had been taken care of as it is not showing through credit platforms such as XXXX XXXX and also was not on another report. I recently applied for credit and was denied as a result. This has not only cost me money in trying to repair my impeccable credit history but I am personally damaged by this reporting as I was not able to obtain business financing which resulted in me losing my retail business space for my business. XXXX XXXX XXXXXXXX is fraudulently reporting this information and has not provided me with the information required by the the FCRA and has violated my rights under the FCRA.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a court ordered child support payment I am current and no back pay was ordered Credit report is ruining my credit by falsely reporting back due delinquent payments This is false The payments are taken out of my checking account There currently no back or delinquent amounts Please see Judgment
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

On XX/XX/XXXX I disputed missing a payment with Rushmore Loan Management. I sent my bank statements and asked them to review it. I wanted them to see I haven't missed a payment. Because of this issue more problems came about. I was charged late fees and interest payments. Also my PMI was going to be depleted on XX/XX/2023, however since they determined I am ineligible for early cancellation based on them stating I have been more than 30 days or 12 months past due on my payments. They also stated my mortgage have increased. I responded by saying I received two notification letter one in XXXX and another one in XXXX. They stated they had sent a letter in XXXX. I explained to them I haven't received any other letters in XXXX referring to a mortgage change. I tried reaching out to them, however they want listen to me.
Consumer complaint received 2020-03-04
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: Experian Information Solutions Inc. (AZ)

I submitted 2 disputes without any resolution. I am disputing the following companies on my credit report that I do not recognize. 

XXXX XXXX XXXX I disputed these on XX/XX/XXXX and a 2nd time on XX/XX/XXXX
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

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. 


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 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section stats : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2020-03-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

There was a medical collection placed on my report from ARS Account Resolution. When trying to verify the debt and ask for a letter to be sent to me so I can settle it through my insurance company, I was hung up on. I called back and was hung up on again.
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I bought 6 item on XXXX with master business debit card XXXX, i closed my account with Bank of America , but i have 6 incoming return and refund from on XX/XX/2019 till now, back to my closed debit card. I tried to get my money back by calling, visit BoA branchs and debit card claim department but they can not located where my money go??? I contacted XXXX team and they escalated the case, billing department tell me all 6 refund, has been received by Bank of America as resolved. I called today to ask Bank of American claim department but get same answer, which they don't have the fund???
Consumer complaint received 2020-03-04
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: Experian Information Solutions Inc. (TX)

I have contacted Experian regarding XXXX XXXX XXXX. They said that the company said that these were legitimate charges so they stay. I have never been to an emergency room or a doctor that I didn't have medical insurance with a small deductible! There is a new one that has shown up that was opened in XXXX of 2020 and I seriously have not been to a hospital in years! I I do not understand how they are just putting these on my credit. 
Thank you.
Consumer complaint received 2020-01-08
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. (TX)

On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing. I understand that as a credit bureau youre a for profit entity and investing consumer disputes and complaints is not in the best interest of your company, but you have enormous power over my financial situation with the data you hold within your company. Please respond to my request!
Consumer complaint received 2023-05-15
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. (WI)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2020-03-04
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: Experian Information Solutions Inc. (PA)

The Department of Defense has a charge off on my Experian file ( acct. prefix XXXX Dollar amount {$2000.00} ). This was a bonus payable if I remained in service for a period of time. I left prior to that time period in XX/XX/XXXX. The DOD placed the item as a COLLECTION on my file in XX/XX/XXXX.

They did not comply with the FCRA obsolescence guidelines to remove it in XX/XX/XXXX. In XX/XX/XXXX, they changed the status from a collection to " charged off '' and moved the obsolescence date to XX/XX/XXXX based on that action. This means that a collection that actually started in XX/XX/XXXX, would remain on my file for FIFTEEN YEARS. 

I disputed this with Experian, XXXX XXXX and XXXX. XXXX XXXX and XXXX properly removed the item. Experian did not. This is a clear violation of the FCRA Section 605 ( a ) ( 4 ) and clarified in Section 605 ( c ) ( 1 ) with regard to the seven year period.
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Executive Credit Management, Inc (PA)

Executive Credit Management , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX sent a collection letter to my home for my daughters father. I called them to find out what this was about. They were very aggressive and rude on the phone and insisted that I owe for this debt. The woman on the phone wouldn't let me speak so I hung up. I immediately wrote a letter disputing the debt and notifying them of the address they should be mailing. Months later they sent me another letter, to my daughters father, stating that again, I owe this money. They are going to sue me. They are going to put a lien on everything I have, they will make me pay for their attorney fees and litigation costs. They are harassing me. This is not okay.
Consumer complaint received 2020-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/XXXX as XXXX XXXX of a XXXX XXXX I was reach out by text message by a unknown customer who requested service I received a cashier check for the amount of {$1900.00} the amount exceeded my charge for service. 
customer explain via text message why the amount of why was too much when my charges were only {$150.00}, he wanted me to paid a moving company he contracted I deposit the check on my app as always without no concern a day after the money reflected in my balance, up to this moment I had no issues. customer reach out to me and ask to deposit the balance XXXX to mover to this email XXXX with the name of XXXX to a XXXX account. On XX/XX/XXXX I sent the money since the amount reflected in my bank of America XXXX account, two days later I checked my balance and for my surprise bank of America deducted my balance tremendously in  shocked I call them right away to check what was going on, they couldn't explain right away, went to a nearest bank with the original check cashier check, they still couldn't tell me, only thing they were able to say was contact the person who sent you the check of course I did, person was also shocked and say will go to his bank. couple days later I get in the mail the deposit letter from the bank that the check is altered/fictitious. they were openimg an investigation but they weren't helping to get my money back even I provided them with the information XXXX XXXX XXXX address phone number XXXX XXXX XXXX XXXX NJ XXXX PHONE ( XXXX ) XXXX THEY STILL DID NOT DO ANYTHING. On XX/XX/XXXX I get a letter from bank of America stating they were closing the claim. I even made a police report DC # XXXX how can they not be able to help me, I been a loyal customer for over 10 years. and all I got was we cant do nothing cant help you
Consumer complaint received 2022-01-29
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. (WY)

I was consignor on a vehicle lease. XX/XX/XXXX financial indicated a payment was late and reported that to the credit bureaus. I was not notified of the presumed late payment. I contacted XXXX financial several times to get specifics, ie date received and amount to compare to the XXXX on the lease. Somewhere the lease must have been renegotiated due to Covid. I was not aware of that.XX/XX/XXXX financial has been uncooperative in my attempt to obtain information, yet left negative actions on my credit report. Bank statements indicate a different payment status than XXXX.
Consumer complaint received 2020-06-09
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 have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for identity theft.
Consumer complaint received 2020-01-03
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: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/XXXX, I purchased an American Express Serve card from the XXXX XXXX, in XXXX, Michigan. The amount I put on the card was {$260.00} to pay my XXXX bill. The transaction went through but the money was never loaded on my card. I contacted American Express that following XX/XX/XXXX. Since then, American Express has been giving me the run around. I'm going through a lot of mental anguish trying to get this resolved. Worrying about my cable and internet getting shut off. I tried to be as patient as I could but it's come down to me contacting you. Thank you for the time and effort that you will put forth in helping me get this resolved.