davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again.USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-03-16
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. (MD)

As I was reviewing my credit report I came account fraudulent accounts that are not mine. 

XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$340.00} XXXX XXXX  {$180.00} XXXX XXXX {$2200.00} XXXX XXXX {$2300.00} XXXX XXXX XXXXXXXX XXXX {$160.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00}
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (GA)

To Whom It May Concern : This letter is regarding account, which you claim I owe {$240.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX   ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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: Bread Financial Holdings, Inc. (TX)

So far I see 4 charges that were made to XXXX XXXX in California! I am in Texas and don't use XXXX XXXX! 
Dates are : XX/XX/23 {$75.00} XXXX/XXXX/23 {$58.00} XX/XX/23 {$380.00} XX/XX/23 {$390.00}
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST HAWAIIAN, INC. (HI)

Three years ago i applied for a secured credit card at First Hawaiian Bank. I have attempt twice to have the hold released and was told by two different people I needed a 790 credit score. I asked have anyone got approved with less than 790. Point is they are holding my money hostage. I believe i am being discriminated against and would like this investigated ... A 790 credit score. Really?
Consumer complaint received 2018-03-05
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. (PA)

I just turned XXXX in on XX/XX/XXXX. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by XXXX. I never had any accounts to have a collection I was a minor! 

This account does not belong to me, I have no knowledge of this account Also there is incorrect DOB and address being reported for me My address IS and ALWAYS been is XXXX XXXX XXXX XXXX, PA XXXX my address has never been different. 

my DOB is XX/XX/XXXX i just turned XXXX 3 months ago
Consumer complaint received 2023-06-07
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. (FL)

This is XXXX XXXX and I am submitting this Complaint with the help of the CFPB to dispute the fraudulent items I found being reported on my Credit File. Upon reviewing my records, I have come across several accounts and information that I am unfamiliar with and do not recognize as my own. While I am unsure whether this constitutes identity theft, I believe it is crucial to address these discrepancies promptly to ensure the accuracy and integrity of my credit profile. I kindly request the Credit Bureausr assistance in investigating and removing the following unauthorized accounts and information from my credit file : 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 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. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. It is my understanding that under section 605b of the Fair Credit Reporting Act ( FCRA ), it is the Credit Bureausr legal obligation to ensure that any unauthorized and unfamiliar accounts and information are promptly removed from my credit file.
Consumer complaint received 2021-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

XXXX  response to XXXX is not complete and does not fully address any issues stated in the complaint. XXXX  mishandling of the transfer has delayed the receipt of the XXXX bill due. Because XXXX  mismanaged and mishandled the transfer I have not received a bill due for XXXX. Where is the bill for XXXX? I know why it was mishandled because it's XXXX.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phillips & Cohen Associates, Ltd. (AZ)

On XX/XX/22 received a letter stating I owe a certain amount to a creditor, however, does not contain debt validation. They state I owe {$2000.00}. I have no intention on paying this debt as it does not belong to me nor is there a contract that I signed with creditor. They did not provide a copy of original creditor having my signature on that contract
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (UT)

I am trying to get a mortgage loan. My loan officer went through a company called XXXX to pull my reports through the three bureaus. The only one they have not been able to pull my report from is Equifax because apprently my report is " blocked '' - not locked, not frozen ... BLOCKED. I can't tell you how many calls I have been on, how many hours on hold, how many people I have spoken to. None have been helpful. It takes about 15 minutes just to get to the point where they will verify my information. It has been a huge frustrating waste of time. I even found on person who seemed helpful and then he hung up on me. From what I gather, all I need is for Equifax to update my address. Right now they have my PO box on file, which is correct, but not enough. I have already escalated this twice and have waited weeks. Now we are down to the wire with my loan and I can't wait 7-10 business days for them to make a small change. I have faxed in documentation to prove my identity and the address but can't get anyone on the phone who can see that I have faxed this in. I just need a real person who cares to help me or I won't be able to get my home loan.
Consumer complaint received 2018-03-06
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. (TX)

I noticed updated on my credit report that a bogus collection account has been added to my file. The account is listed as XXXX XXXX XXXX XXXX and it is not my account.
Consumer complaint received 2023-01-17
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: Bread Financial Holdings, Inc. (FL)

XXXX opened a credit card account without my knowledge. On XX/XX/XXXX I went to XXXX store  XXXX in XXXX XXXX Fl to buy some clothes for an upcoming court date. When I went buy my clothes at the register the cashier asked me if I had a phone number with XXXX to get a discount on the clothes, I said no and she asked me if I wanted to sign up for it and I agreed. It is extremely important to mention that this lady NEVER said a single word about a credit card at any point during this interaction and the information that I had to give was my phone number and a signature. Fast forward 3 months later on XX/XX/XXXX I get notifications from XXXX and XXXX XXXX telling me that a new account with COMENITYCAPITAL/XXXX  was XXXX to my credit report and that it was 30 days past due. This came as a complete shock to me because as I previously stated no credit card was ever mentioned. I disputed this information with all XXXX credit bureaus and my disputes were denied so I reached out to XXXX on XXXX separate occasions once on XX/XX/XXXX and twice on XX/XX/XXXX each call I was placed on hold for over an hour the first call I hung up because I had to go to work, the other XXXX calls I waited and when I finally got through to someone they said that the credit card had been sent to my address on file but I never received the credit card physically or virtually, with that being said I explained what happened and she said that she would mark the account as unsolicited asked me to wait and then hung up on me. The second person I spoke with I told about the situation with the first person and she told me that no changes had been made to the account she asked me to wait and then hung up on me just like the first person. I was very respectful and was not speaking in an aggressive manner or using inappropriate language and no one attempted to reach back out to me that day. So I waited until XX/XX/XXXX to compose an email and send it which I know it is a holiday but I just wanted to have it sent already so that they would have the information and contact me when someone would be there to email me back. They havent made any attempts to contact me at all and they are trying to hold me responsible for a credit card that I can not stress this enough DID NOT WANT and even worse a credit card that I never received or have access to. All I want from this is to have the account itself and the late payment taken off of my credit report because the account shouldnt even exist in the first place. And all anyone has to do is look at all the other accounts on my credit report and see that they were all paid and paid on time during the same period that they try to say I didnt make payments on a credit card that I dont have. Ive never missed a payment in my life and now they are ruining my credit that I worked so hard to build.
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE ACCOUNT RESOLUTION CORP MY REQUEST TO RELEASE MY MEDICAL INFORMATION TO YOU, CREDIT BUREUA, I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( S )! Acct Name : Account XXXX  XXXX ; Acct # : XXXX ; Acct Name : Account XXXX XXXX Account # : XXXX ; Acct Name : Account XXXX XXXX Account # : XXXX ; Under the Health Insurance Portability and Accountability Act of 1996 ( XXXX ) XXXX I reserve the right to protect the privacy of my personal information and medical, records from all third party reporting agencies. Continuing to report this Medical debt without properly validating and providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ).
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (OH)

I C Systems collection, is attempting to collect a debt I originally owed to XXXX XXXX XXXX. I had services with XXXX   XXXX  and they put XXXX XXXX XXXX on as internet service. The service I was getting from XXXX XXXX XXXX was so bad I couldn't keep the internet in a usable fashion. I then called XXXX XXXX and told them to cancel my contract because of poor service on internet. They did so. and cancelled my contract. Plus gave me a {$100.00} gift card for my troubles. This contract was cancelled withing a two week period. Several months went by and I got a collection notice from XXXX XXXX XXXX and I called them and told I had cancelled the contract because of poor internet service. The person from XXXX XXXX XXXX said he would clear the account and apologized. Several more months went then ICS sent notice. I had called them twice and no luck. Plus they did not want to hear my side. Since then I called XXXX XXXX XXXX several times and get promise would be taken care and I am still under collection. I tried all I know to clear this mess up but no luck. Now I am turning to you.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Requested for debt validated as I don't owe the balance. 
Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. { XXXX XXXX XXXX ( Original Creditor XXXX XXXX  Account number XXXX } balance XXXX I do not have a contract with this company and I don't owe the debt, please delete immediately. I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as statement from XXXX which I obtained on XX/XX/2024 which shows XXXX balance due. And if you look at the documentation presented to your office and sent to me when I sent my first dispute the balance listed is XXXX. 
Please ensure that these documents are taken into account during your investigation. According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i  ), you are required to complete your investigation within 30 days. 
I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. 


Please see attached.
Consumer complaint received 2024-03-16
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. (NJ)

I am a victim of identity theft and I am requesting that the consumer reporting agencies remove the following accounts as it is unauthorized. 

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 the listed accounts have been reported without my expressed consent and therefore is a result of Identity theft. These accounts are not related to any transactions made by me, XXXX XXXX, the consumer.
Consumer complaint received 2024-01-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (MN)

I, XXXX XXXX, am writing this complaint as a result of being threatened by a debt collector. The name of this abusive debt collection agency is LVNV FUNDING LLC DBA RESURGENT. I, XXXX XXXX, have been constantly harassed and threatened by LVNV FUNDING LLC DBA RESURGENT multiple times. This is both confusing and a violation of the FDCPA per 15 USC 1692e ( 14 ) being that they have two names. LVNV FUNDING LLC was sent a request to properly validate the alleged date on XX/XX/year>. Within the letter requesting validation of debt, LVNV FUNDING LLC was also told to " cease and desist '' as quoted directly from the letter sent to them, " If your offices are able to provide the proper documentation as requested pursuant 12 CFR 1006.34c in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. '' This request was not honored and LVNV FUNDING LLC persisted to harass me XXXX XXXX immediately after receiving a notice to properly validate the alleged debt which is a violation per 15 USC 1692c ( c ). LVNV FUNDING LLC were asked questions in the request for debt validation as an attempt to confirm if they were legally allowed to have XXXX XXXX 'S personal information and if they were legally allowed to collect in the state I, XXXX XXXX resided in. They completely ignored those questions and persisted on sending more electronic emails coercing XXXX XXXX to pay the alleged debt by bringing attention to the fact that they are counting down before they take legal action by sending the matter to an attorney which is a violation per 18 U.S. Code 894 - Collection of extensions of credit by extortionate means and per 15 USC 1692e ( 4 ), and 15 USC 1692e ( 10 ). LVNV FUNDING LLC did all of this without proving that the alleged debt legally belongs to XXXX XXXX. This behavior is harassment, and abusive, and quite frankly causing unnecessary stress and emotional discomfort which is a violation of the FDCPA. LVNV FUNDING LLC is also furnished the collection account inaccurately on XXXX XXXX 'S consumer disclosure reports in which the information in the payment history section is reflected as " No Data '' which indicates an incomplete account. This is a violation of the FCRA per 15 USC 1681 pertaining to accuracy and fairness of credit reporting. I, XXXX XXXXXXXX, am aware that LVNV FUNDING LLC were sued by KEVIN LARGE v. LVNV FUNDING LLC, PENNELL v. LVNV FUNDING LLC, and RAMOS v. LVNV FUNDING LLC. Each case the lost for abusive behavior. LVNV FUNDING LLC is liable per 15 USC 1692K Civil liability and many more violations. Lastly, LVNV FUNDING LLC was sent an Affidavit of Truth in which they ignored and did not rebuttal.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TD BANK US HOLDING COMPANY (IL)

On XX/XX/2023 I contacted TD Bank and let them know that the action they had taken on my account had been based on the wrong information. 

They sent a letter in which they have decreased the credit limit by almost 50 % based on 1- Derogatory public records or collection fraud 2- Length of time the accounts have been established 3- No recent installment loan information 4- Number of recent inquiries When I contacted them and asked for clarification they could not provide even a short explanation for the information and eventually declined to take any steps to resolve my concerns. It also damaged my credit report since the usage of the account went up by reducing the credit amount. 
For clarification : after I got credit from them I reduced my debt substantially. So, I even revived an increased update from some credit companies. 

Their actions and decision makings have been based on wrong information to deliberately damage my credit report. In addition, they have used false and wrong information for their actions which even they could not clarify.
Consumer complaint received 2020-01-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C.  1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX/XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$3000.00} -This is not my account.
Consumer complaint received 2023-12-01
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXXXXXX  I was charged {$3500.00} by XXXX XXXX XXXX XXXX CA. Services were never rendered and I requested a full refund. 

On XX/XX/ I was charged {$2500.00} by XXXX XXXX XXXX XXXX CA. Services were never rendered and I requested a full refund.