davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On or about, XX/XX/2021, all XXXX ( XXXX ) XXXX XXXX XXXX ( CRAs ) - ( XXXX, XXXX and TRANSUNION ) were given notice of a crime of identity theft. The documents included in the Notice were, an Affidavit of Identity Theft, copy of credit report, FTC Identity theft report, Police Report filed regarding the accounts indicated, and proof of my Identity. Proof of delivery via certified mail / return receipt # XXXX XXXX XXXX XXXX XXXX shows TRANSUNION, LLC. did in fact receive Notice of the identity theft, with attachments/ reports to substantiate the claim on XX/XX/2021. 

TRANSUNION, LLC. had the audacity to report XXXX of the accounts related to this crime, XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX as " verified '' and refused to delete/block the account even after I provided proof of the identity theft crime and accounts related. I HAVE NO AGREEMENT with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not possibly verify an account they have no first hand knowledge of. TRANSUNION, LLC. can not verify any accounts as they do not have first-hand knowledge either, nor were they a witness or a party to any alleged agreements. Both XXXX XXXX and TRANSUNION, LLC.  are both unauthorized 3rd parties whom have NO authority to verify or validate any alleged debts, let alone refuse to follow the XXXX regarding the blocking of an account that is related to a crime of identity theft. The FCRA requires a CRA to block fraudulent information on my credit report resulting from identity theft within XXXX ( XXXX ) business days. TRANSUNION, LLC. is willfully, knowingly with intent refusing to remove and permanently BLOCK this fraudulent account in attempts to cause me damages. Willful refusal to remove and block is now a violation of several sections of the FCRA, specifically sections 605 ( b ), 615 ( f ) and 623 ( a ) ( 6 ). As a federally protected Consumer, I will hold TRANSUNION, LLC. liable for any and all civil liabilities pursuant to 15 USC 1693m and any and all criminal liabilities pursuant to 15 USC 1693n. These Violations/ Damages caused to I, the Consumer, carries damages worth of up to {$1000.00} or more each violation, in addition to having sustained damages related to physical and emotional distress. Not only has this affected me being able to Re-Finance my Mortgage but potential creditors seeing these inaccurate accounts on my report has effected me tremendously.
Consumer complaint received 2023-03-21
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023, my car was broke into and took my wife 's ( XXXX XXXX XXXX wallet that had all her credit cards. I immediately called American Express customer service to report that the card was stolen and to cancel it. While I was on the phone with Amex rep, my wife 's stolen card was fraudulently used by someone in XXXX and charged a total of {$260.00}. The Amex rep told me that I should not worry about it as long as I filed a dispute on that transaction. While I had the rep on the phone, I filed the dispute with him, cancelled the card and requested a new one. On XX/XX/XXXX, I received a letter from Amex stating that I am responsible for the amount in question. It was not the resolution I was expecting to get because it was very clear that we did not make that transaction as I reported the card stolen before the charge took place.
Consumer complaint received 2019-12-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I disputed an account reported by XXXX ( XXXX XXXX and XXXX XXXX ). The account was reported as a charge-off with an opened date of XX/XX/XXXX, however the debt ( account ) was accrued from an advance payment received for a personally procured move in XXXX. The account opened date reported to Experian and appearing on my credit report is XX/XX/XXXX. The date the account was actually opened is XXXX. My dispute resulted in a " remains '' status, despite the date being inaccurate. The attached XXXX form shows that I exited XXXX XXXX in XXXX, and could not have accrued a debt past that date.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Atlanticus Services Corporation (AL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FORTIVA INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are not my inquiries these are not recognized or acclaimed by me. I request they be removed and deleted from my credit report.
Consumer complaint received 2021-06-04
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: BARCLAYS BANK DELAWARE (NY)

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXThis is not mine.

4. Identity Theft XXXX  Account Number : XXXX  This is not mine.

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

7. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

8. Identity Theft XXXX XXXX  Date of inquiry : XXXX This is not mine.

9. Identity Theft BRCLYSBANKDE Account Number : XXXX  This is not mine.

10. Identity Theft XXXX  Account Number : XXXX  This is not mine.
Consumer complaint received 2021-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My Bank of America balance is incorrect. 
Account Age 13 years, 10 months OPENED ON XXXXthis should have been removed from my credit report in XXXX 
And its not
Consumer complaint received 2023-01-23
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. (TN)

I noticed unauthorized credit inquired on my credit report. Someone had to applied for something in my name. 

Ive sent several disputes to remove the fraudulent hard inquiries. 

Due to fair credit reporting act, these unverified and unauthorized accounts are not related to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-12-17
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ascendium Education Group (TX)

ASCENDIUM COLLECTIONS has violated the FCRA by RE-AGING accounts AND reporting misinformation to credit bureaus which affected my credit scores, my financial life and my family 's life for over 2 years now.

Below are the inaccuracies which I have complained to credit bureaus about as well as ASCENDIUM and no one is taking this matter seriously. I have requested multiple times for them to prove this debt belongs to me and to correct my report and all I get is avoidance. 

Please see my credit reports as well as the items I have addressed with them below. 

A scendium XXXXYou are reporting that this account is a Charge Off and that there is a Balance and Past due amount of {$17000.00}? It can not be both. You are reporting date last active as XX/XX/XXXX and date of last payment was XXXX of XXXX. No payments have been made to this collection account ever. XXXX is showing date last active is XX/XX/XXXX and date of last payment was XX/XX/XXXX. It can not be both. This account is being RE-AGED also and is illegal. 


XXXX XXXX AGAIN, with this account you are reporting that this account is a Charge Off and a Past due amount of {$15000.00}? It can not be both! You are reporting date last active as XX/XX/XXXX and date of last payment was XXXX of XXXX. No payments have been made to this collection account ever. Equifax is showing date last active is XX/XX/XXXX and date of last payment iss XX/XX/XXXX. It can not be both. This account is being RE-AGED also and is illegal.
Consumer complaint received 2021-08-30
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. (MA)

XXXX, Experian, XXXX continue to violate the FCRA requirements by not deleting the inaccurate information on my cardmember Service account XXXX. The late notice for XXXX is inaccurate. I was never late for XXXX. I have provided proof documentation on numerous dispute to support my dispute. This willful inaccurate information continue to caused injury and harm to me financially and is preventing me from obtaining financing.
Consumer complaint received 2019-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc. (NJ)

I had severe XXXX XXXX pain which I was not aware about it before on april 1st and hence I went to nearest clinic urgent care from my work place. Now this place doctor was so XXXX  and rude and XXXX  he behaved in such a manner that anybody in this world shouldn't receive treatment like this in their worst moment. Thank god the nurse on that day was so nice she gave me XXXX  before I run away from this urgent XXXX XXXX XXXX. I had to go XXXX hospital near to my home and get everything done. Now this doctor charged me and insuarnce paid him including my part as deductible even though very same day XXXX XXXX I called and told them to not to give any single penny because of his behavior. I again called XXXX  to tell them this doctor has put on my credit debt and trying to collect my deductible by Remex Inc, so XXXX  called me back and said they are reviewing my case by their own physician as many of the test that are filed by this doctor are false. XXXX  gave me reference number XXXX to give to Remex Inc debt collector so as to tell them until and unless the review is completed they can hold my debt which is XXXX$ deductible so as to not to ruin my credit. And this is not about the money this is about the way doctor behaved to me while I was XXXX  down on the floor and was not even able to XXXX  properly he came inside and just started yelling on me. I even asked the nurse for another doctor but there wasn't any. Remex inc against whom I want to file the complain as they are trying to please their client while collecting the debt emphasizing on the deductible part whereas currently the claim is under review by XXXX physicians. Unless resolution comes which is either my side or doctor's side they are not suppose to collect anything and I even said I can tell my insuarance company to send you the letter but Remex Inx's supervision Ms. XXXX  was not ready at all to listen and trying to emphasize they dont care and they have to retain their client like this doctor.
Consumer complaint received 2019-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC (FL)

HARVARD COLLECTION SER accounts # XXXX XX/XX/2019 Balances {$2000.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel
Consumer complaint received 2019-12-17
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. (FL)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX/XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER EXPERIAN OR XXXX, ALTHOUGH XXXX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE
Consumer complaint received 2017-08-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX. XXXX is a fraudulent account that XXXX XXXX XXXX keeps reselling and the credit bureaus keep reinseting it without prior notification to me along with not taking into account that this is the same fraudulent account that was already removed from my credit reports. All of the documentation has been submitted to the credit bureaus along with the involved companies and the credit bureaus has failed to bock this account. XXXX, Transunion, XXXX. XXXX has had fraud paperwork, along with police reports and identity theft afidavit for over 2 months and has not completed the investigation. It has been over 60 days and equifax refuses to remove these fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. in accordance to the FCRA. Both transunion and XXXX has removed these accounts and blocked them. XXXX has not completed this investigation in over 60 days
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX  via the XXXX Network ( XXXX XXXX  ) issued a {$400.00} retail card funded by the XXXX Temporary Risk Corridor Program in XX/XX/XXXX. I activated the card, but the mailer I have kept did not indicate an expiration date, nor did the XXXX site mentioned and listed on the card. The website showed the expiration date as XXXX/XXXX/XXXX, and I also called XXXX, and they confirmed this was correct. I have not yet been able to use the funds, and checked the website XX/XX/XXXX to find a new banner since the last time I checked the website saying all cards had expired XX/XX/XXXX, and the funds were zeroed out, status : Closed - Member is no longer eligible. I called again to be told the program was " retired '' and I would have to call after XX/XX/XXXX to receive a refund check via mail. The agent said mailers were sent out to explain the program was retired, but did not say when, and I am certain one was not sent, as I have USPS digital tracking on all mail. A separate FAQ was created on a separate XXXX page that now mentions the expiration date, but this was not mentioned by any document or communication prior. I feel XXXX did not mention the expiration date in the mailer, misinformed of the expiration date when called, and the expiration date show as XXXX/XXXX/XXXX on the XXXX site to mislead customers, and now many of us have lost these funds because of it. I feel XXXX issued the funds on the cards with this intention, and with the intention to retain the funds. On XX/XX/XXXX, the XXXX  complaint respondent, XXXX XXXX, provided no additional information, could not answer any questions regarding the matter, and offered no further resolution, other than continued follow-up at an undetermined date. She had decided her responsibilities were only to confirm mailers had been sent out in XX/XX/XXXX, after XXXX had changed the terms from no expiration date to expiration on XX/XX/XXXX, and to confirm that refunds would be issued after XX/XX/XXXX through an unknown process that may or may not require further contact. I feel she had no concern or interest that XXXX had violated the federal XXXX Act, requiring a minimum of 5 years before expiration of retail cards. She indicated she had forwarded my concerns to their compliance division, but provided no other details or contact information. Again, I feel XXXX intended to retain a portion of these funds through a process of misinformation, change of terms, and failure to communicate recourse to its customers. A total of {$200.00} XXXX was provided by the XXXX Temporary Risk Corridor Program for these retail cards, and now an unknown number of customers and unknown total amount has not been provided because XXXX has " retired '' the program.
Consumer complaint received 2021-08-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Charleston Area Medical Center (OH)

I XXXX XXXX is the Original creditor. Pursuant to 15 usc 1692 a ( 4 ) No corporation can validate a debt. Also debt means any obligation or alleged obligation pursuant to 15 usc 1692 a ( 5 ). I am sending in a copy of the letters being sent to my place of abode. In these letters I have marked each violation for review. Please see the attached copies. I have tried resolving this with the collection agencies in which they keep saying this alleged debt is validated. Again how can you validate something you was not there for. Only I the original creditor can validate this alleged Debt. I XXXX XXXX DO NOT validate this debt. I will be filing a complaint with the XXXX  as well as the attorney general. I do also plan to contact the media and release the information in regards to me being the consumer and natural person and my consumer rights as listed by Congress.
Consumer complaint received 2019-12-17
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. (AL)

in XXXX of 2019, i filed a dispute to the 3 credit bureaus ( Experian, XXXX and XXXX XXXX about XXXX XXXX XXXX ( Debt Collection agency ) to verify that this debt of a {$380.00} medical debt belongs to me by providing me with documentations that has my signature showing contractual agreement or remove from my credit report immediately! i also asked that directly to XXXX XXXX for validation in XXXX of 2019 without violating my Hipaa rights and they did not respond. XXXX on XX/XX/2019 was not able to verify and remove the account from my report but experian and XXXX claimed to investigate and responded the the account was accurate and verified. how is this possible without violating my Hipaa Rights and not showing me proof of validation and how is it that XXXX XXXX sent the 2 collection agencies proof and not me when i submitted a request for verification??? I have disputed the account for nearly 12 months now and still they show me no documents and method of their investigation. so now Im asking C.F.P.B to step in and help!
Consumer complaint received 2023-02-14
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. (TX)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

15 U.S.C. 166b a creditor may not treat a payment on a credit card account under and consumer credit plan as late for any reason.
Consumer complaint received 2019-12-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (CA)

In the meantime, PHH mortgage is piling my account with additional penalties and fees. Below is my communication with PHH Mortgage. Ive attempted to contact the representative XXXX as stated in the letter. Her mailbox is full. Its over an hour hold time to speak to another rep. 

I have wrote them several times requesting to stop payment on the check and make the payment on line without being charged a fee. Below is the most recent communication. 

Dear XXXX, We received the document attached to your emails on XX/XX/2019. Based on the tracking number, the mail is still in transit. Please contact the United States Postal Service ( USPS ) to check the reason for the delay in delivering it to us. 

Should you have any further concerns, you may contact XXXX directly toll free at ( XXXX ) XXXX, select option 1, extension XXXX or email XXXX at XXXX. For general account questions you may visit XXXX. You may also contact PHH 's  Customer Care Center via telephone at ( XXXX ) XXXX during the following hours : Monday? Friday XXXX XXXX? XXXX XXXX  ET Saturday XXXX XXXX? XXXX XXXX  ET PHH Mortgage Services, LLC XXXX XXXX   XXXX XXXX XXXX, NJ XXXX PHH Mortgage Services, LLC is a debt collector attempting to collect a debt and any information obtained will be used for that purpose. However, if the debt is part of an active bankruptcy case or if your personal liability on the loan has been discharged through a prior bankruptcy court issued Order of Discharge, this communication is not intended as and does not constitute an attempt to collect a debt and is provided solely for information purposes. 




Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XXXX To : XXXX Subject : Account Date : XX/XX/2019 XXXX XXXX  CST Hi, Can I make the payment over the telephone and stop payment on the {$22000.00} check I mailed? The check is lost or sitting in your post office box.