davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX DOCTORS BUSINESS BUR XXXX Reported : XXXX XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUR XXXX Reported : XXXX XXXX, XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

Hello. I am writing in regards of ARS who refuses to validate a XXXX that is in question. This company has reported this unknown debt to ( XXXX XXXX XXXX. and XXXX credit reporting companies ) which has tarnished my credit. I was recently denied for credit and this unknown debt is causing me much stress. Date XX/XX/2020 the amount is XXXX. 
Thank you.
Consumer complaint received 2016-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (AR)

I received a collection notice stating that I owed a cable company {$66.00}. I cancelled my service with that company and returned all equipment and was told my balance was paid in full. I never received any other bill or communication from the cable company.
Consumer complaint received 2022-04-21
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2015-09-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AL)

My mortgage was transfer to Green Tree Servicing LLC in 2013. I have applied for a modification and also to do a short sale with Green Tree. Green Tree has denied me both options. I have asked Green Tree To validate the debt and they refuse. Green Tree has foreclosed on my house when their statements clearly says that they are a debt collecting agency. A debt collection can not foreclose on a property that is not theirs! BEFORE Green Tree foreclosed on me, I sent them a payment for {$80000.00} ( via USPS via Register Mail ) and they returned it back to me and proceeded with the foreclosure! I am ready to sue and take legal action! How can I get involved with the class suit against Green Tree?
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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.

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 2022-09-28
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: Synovus Bank (FL)

Back in XXXX I placed a preorder for an item with XXXX company on my XXXX Between that time and when the payment was to be processed ( XXXX ) I had to get a new card due to someone getting a hold of it and starting to make false charges. Due to this I had a differing card number than back when I made the preorder. The XXXX company pushed the charge through from the old XXXX card to the new XXXX card. 

This preorder went through on XXXX for XXXX on my Synovus personal XXXX However, later in the week I cancelled this order with goodsmile company. They refunded that amount to the old XXXX number and not the new one. Upon contacting that company several times they suggested I contact the XXXX company. 

I've contacted the XXXX company now three times about this issue. Each time I'm told they 'find ' the refund and that they'll move the refund to my current account. That this issue would take 7-10 business days. Each time the 10 business days pass no refund to the charge appears. I call again and get the same runaround on how they 'found ' the refund and that it'll be another 7-10 business days to " process '' this credit to my current XXXX. This how now not happened twice and the third person is giving me the same song and dance. At this point the XXXX company will now be collecting interest on a charge that should not be listed or on my account without the corresponding refund.
Consumer complaint received 2024-06-11
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

XX/XX/year> a deposit from XXXX was put on my money network card. @ XXXX XXXX  someone hacked into my online account and set up a new bank transfer account and transferred {$580.00} to an unknown and unauthorized account. At XXXX my card was declined, i was on the phone with customer service at Money Network to dispute the fraudulent activity by XXXX. They were minimally helpful. Days later when I called back I found out they closed my account. I would not get the replaced money in ten days despite properly disputing the fraudulent charges. If I was approved I would get mailed a check. No notice and no call back from them. I also have another deposit coming this week with no idea how to get the funds as EDD can not be reached either.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/23 i looked at my consumer report and was immediately frustrated with the 15. U.S.C 1681n willful non compliance to my disputes and complaints, I have submitted to CFPB, TransUnion, XXXX XXXX XXXX. XXXX, XXXX & TransUnion STOLE my information committing FRAUD by reporting such hernias things on my credit profile. This has cause me great stress. I demand these items be removed from my credit profile immediately or I will seek litigation and 15 U.S.C. XXXX Civicl Liability for EACH violation. I have not given TransUnion, XXXX or XXXX permission to disclose ANY information per 15 U.S.C 6802 on my credit report. Under 15 .U.S.C 1681 ( i ) states ALL reported information HAS to BE 100 % accurate.
Consumer complaint received 2024-06-11
Product: Credit card — Store credit 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: CITIBANK, N.A. (CA)

I placed an order online on Home DepotXXXX using my Home Depot credit card. It was for an item priced at XXXX  a vehicle scan tool XXXX XXXX XXXX XXXX XXXX. The item was suppose to be delivered to my address and it never arrived. I never physically received the item nor did I sign for anything which the shipper should have been required to collect considering the amount it costs. I contacted them numerous times and they refuse to help me and tell me I have to pay which is ridiculous to me. How do they expect me to pay for an item I never received?!!! Also the proof that they have ( picture ) of the item being delivered is not my house. I have proof to show that my front entrance is different than the one they claim to have as a XXXX ( XXXX XXXX XXXX XXXX XXXX ) I decided to file a complaint with CFPB to get this resolved outside of court if not I will be seeking legal council and litigating against Home Depot Credit Services.
Consumer complaint received 2022-04-21
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : 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.
Consumer complaint received 2022-04-21
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # XXXX, Account # : XXXX, Account # : XXXX, Account # XXXX, Account # XXXX, Account # : XXXX, Account # : XXXX, Account # 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
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

How many times that they use my identity to open a bank accounts and then deposit a stolen check they withdraw all my savings then it turned out that I have a credit on that bank accounts and now I couldn't even open a bank accounts because of those that happened before last year 2018.until now I couldn't still open a bank account because of that for using my identity they get on my bank account take all my money then they will borrow money so it will show up that I have a negative account
Consumer complaint received 2024-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TX)

I recently got a collection with paramount Recovery Services. I never received notice or any communication in regards to this account. I also do not recognize this, I have insurance and go to my personal doctor who requires any payment upfront if my insurance does not cover it. This is not mine and it needs to be removed.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

its 9 different addresses that dont belong to me these addresses are nonmailable 39usc3001, the adresses is XXXX XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX ill XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX XXXX XXXX ill XXXX, XXXX XXXX XXXX XXXX XXXX ill XXXX, these addresses are not mailable my address is XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Sykes,Bourdon,Ahern & Levy, P.C. (CT)

I received a letter claiming I owe a debt from a collection agency when I was not contacted about this debt prior to sending it to collections. I am unaware if my roommate was contacted or not, however if we are XXXX being held accountable, we XXXX should be contacted separately, as we no longer reside together. 

I do not owe charges to replace the carpet in the apartment, as we noted upon move in, that the carpet was sufficiently worn in the areas they are now claiming were our damage beyond normal wear and tear upon move out 6 months later. I vacuumed weekly, not once was a single thing spilled, and we did not have company over as we are XXXX from Connecticut. The damages they claim are what we noted upon our move-in inspection and are not possible with our standards of living and within 6 months. On the carpet invoice dated XXXX/XXXX/2015, it states disputes will not be honored 30 days after invoice date. I was not given the chance to dispute these allegations, as I was not notified. It should also be noted, that there was a change in management between move in and out dates. We are being held accountable for the discrepancy of their change in standards in regards to move in and out conditions. Had the same person done the inspection prior to us moving in, they would have seen that the carpet was in the same condition upon move out. Neither the management prior or current have pictures at the inspection times of move in or out apparently ; nor do I, as our previous apartment, we never had these false accusations of damage. I thought we were quite meticulous with our move in inspection notes and intentionally noted the carpet condition under " additional comments '' as we felt it did not pertain to any one category. I will be sure to be overly persnickety in every rental agreement to come now, because of these false accusations. 

The leasing office was verbally notified we would need to terminate the lease as far back as mid XXXX. I am aware, however, that they needed written PCS orders which the XXXX did not provide until XXXX. My roommate stated he was taking care of the final payment for rent as I had moved out XXXX XXXX, 2015. I understand I am legally bound by the contract, however, if I am being held to this debt collection I should have been notified of the debt prior to the collection agency. A resulting {$370.00} in legal fees is now also being charged, in addition to the carpet replacement they are trying to pin on us.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it MayConcern This complaint is being sent to the bureaus due to an unsigned letter of debt andseveral listed errors on my credit file.Please be advised that the items below are disputedand validation and proof of claim of the disputed debt are requested in accordance with theFair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the followingnew Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All ofwhich work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant 's mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Title sand Sections. I respectfully request that a re-investigation with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, please advise all debt account companies shall cease all verbal communication. No phone calls to me or my job. Due to this fact ; if any negative mark is found on any of the credit reports by these companies or the company thatyou represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt CollectionPractices Act Defamation of Character Violation of United States Code TITLE 18 PART 1CHAPTER 63 1341 ( Mail Fraud ) Please provide verification or delete these items : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Trans Union allowed XXXX to pull a hard credit inquiry without my permission. This was done by the XXXX store on XXXX XXXX in XXXX, SC. The store employee who did this was XXXX. After my credit was pulled, she tried to get this reversed. I want this credit pull to be removed from my credit report immediately!
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I went to the ER with XXXX XXXX  and XXXX XXXX XXXX  Upon being admitted to the ER I provided them with insurance information which was XXXX XXXX XXXX XXXX XXXX of Washington. At that time my employer was XXXX XXXX in XXXX, WA. They ended up diagnosing me with XXXX, even after my results came back three days later negative. The hospital never once sent me a bill or itemized statement of the account that day. Until one day I found three collections on credit report. All of them were from this visit to the ER during XXXX. The hospital had billed my old insurance, XXXX XXXX. I have been trying to resolve this and get this off of my credit for over a year. The three collections were : one for the hospital bill ( XXXX ), XXXX bill for the radiologist XXXX, XXXX, and XXXX ( credit management ), and the XXXX XXXX XXXX. So I received three bills and three collection accounts from this one visit. I provided the hospital with my insurance card and even had XXXX XXXX call them on a three way call so they could pay this. This hospital refused to give me a superbill and said there was nothing they could do, I needed to call the collection company it was sent to. So I did just that, they are unable to give me a superbill because they dont have it. SO I called the hospital again, and get another person and come to find out they told me the bill had been paid for by federal grant money. I do not understand how this can be allowed on someones credit. Someone who has no late payments whatsoever. I had to purchase a car this past year and Im going to have to refinance it because I am paying a much higher interest rate because of this. Now I have been trying to resolve this for over a year. Would someone please help me. I am a at the end of my rope. No one wants to help me, they keep passing the buck and all three credit bureaus are of no help either. I have disputed these items 2+ times. I have even asked for a copy of the debt from the collection companies and they refuse to send me one stating, you need to contact the hospital to get a copy of your bill. It is a never ending vicious cycle. Please help me. 
I finally did get someone to mail this for me and my dad listens to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, OH XXXX is my current address my DOB is XX/XX/1973 my SS is : XXXX I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I fully paid account and closed it. The credit card owed me a balance of {$50.00}. 
I had to call and have the amount checked and put in the account. 
Now the account is being reported as restricted, dropping my credit score during the holiday shopping season. High interest, annual fees, and poor service is why I closed this account. I believe this was a malicious act ... 
XXXX XXXX account # XXXX Thanks