davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 2023-06-27
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. (PA)

I was laid off work due to a natural disaster ( Covid 19 ) I reported this to the company and they said I would be okay but report my payments late between XX/XX/XXXX to XX/XX/XXXX. By law it should of never been reported and THE LATE PAYMENT should be removed from my credit report ASAP
Consumer complaint received 2023-08-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

A finance account with Dividend Solar Finance was open by my ex-wife using my personal identity information. The account was established on XX/XX/2023 for XXXX. I was not present nor did I authorize any business dealings with this company. I discovered this account when it was reported on my credit report for missing payments. I contacted the company and learned that the account was set up in person by an representative from XXXX XXXX XXXX. XXXX XXXX XXXX is the company that performed the bathroom remodeling that was financed by Dividend Solar Finance. I have never met or had any knowledge of any of these companies until my credit report alerted me. I have a copy of the financial contract that has my name signed on it however it is not my signature. The representative from XXXX XXXX XXXX should be able to answer the question of what form of identity was used by the person they got to sign for this loan. I was on official government travel in XXXX GA on XX/XX/2023 and was not in the state of North Carolina
Consumer complaint received 2023-06-27
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more then 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 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (KY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: OPTUM BANK, INC. (DE)

On XX/XX/year> XXXX refunded XXXX payments back to my utility spending account. 
The funds did not get returned to this account until XX/XX/year>. I request a written letter of responsibility in regards to thirty party vendor XXXX XXXX XXXX on exactly how and why this mistake happen also Senator XXXX XXXX 's office will be requesting this also. 
Please send this letter to me by XXXX so it can be tracked to make sure I get this letter.
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information in my credit report. I recently obtained a copy of my credit report and noticed that it includes a charge off account with the account number XXXX XXXX. 

However, I want to bring to your attention that the address listed on the report, XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX, is not my current or past address. I have never lived at this address and have no association with it whatsoever.

I believe this inaccurate information has been reported in error and is negatively impacting my credit score. I kindly request that you investigate this matter and remove the erroneous information from my credit report.

As per the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 1 ) ( A ), I am entitled to receive a free copy of my credit report if adverse action is taken based on the report. Therefore, I kindly request that you provide me with a free copy of my credit report with the erroneous information removed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-16
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: NAVY FEDERAL CREDIT UNION (VA)

In XXXX XXXX three friends and I found an apartment unit in downtown XXXX on XXXX to rent for {$430.00} from XX/XX/XXXX to XX/XX/XXXX for our spring break trip to XXXX. The photos and reviews of the apartment seemed nice, so I booked the unit with my XXXX credit card XXXX on XX/XX/XXXX through XXXX website. However, when my friends and I arrived, we discovered that the apartment was not as advertised, and soon realized that most of the photos and reviews were fake. The windows were broken, the bathroom was in utter disarray, the bed and floor was dirty, the unit did not fit four people as described, and there was trash and XXXX all over the place. The host had billed an additional {$300.00} deposit " refundable only if we stay '' from my XXXX credit card, which was not brought to our attention before we rented the unit, so we had no choice but to stay at that dilapidated unit. After the second night, I found multiple rats had infested our unit and took photos. They chewed through our food, chewed through our electronics, and left dung all over the already dirty floor. We decided to move out early, and I had to do basically all the cleaning even though the host had charged me over {$120.00} in " cleaning fees. '' I confronted the host about all this, and the host even refused to refund me any portion of the {$430.00} stay! I immediately tried to escalate with XXXX customer service and file a chargeback through my bank, Navy Federal, in the weeks after the stay but the dispute was denied. This XXXX unit was an utter scam for {$430.00} and tarnished the reputation of XXXX in my eyes ; I could've found many 4 star hotels in XXXX that are cleaner and nicer than this XXXX. If this is the quality of units and hosts that are on XXXX, then please, I do not want to ever use XXXX again.
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation. I have the letter from the court saying that they are not reporting these kind of things and how come you have reported this on my credit report. Never did I filed for a bankruptcy.
Consumer complaint received 2022-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (NY)

XXXX  XXXX  took out XXXX charges on XXXX for {$19.00}... XXXX for {$9.00} and also on XXXX for {$19.00} which were all fraudulent. I made several phone calls to XXXX  notifying them that this was not my charge from a XXXX charge that was not mine. I asked for a proof of debt it was not provided to me, nor anything at all in writing only texts and phone calls after several attempts asking them for something in writing. I also checked my online XXXX orders and there was no order for the fraudulent charge. I received several calls and texts that were also threating and was repeatedly contacted after my bank found in my favor when I filed a dispute and given back my money that they took out that was credited on XXXX in the amount of XXXX XXXX also have a letter that my information was found to be in a date breach which I sent to them and also filled out and XXXX  identity theft victim 's complaint and affidavit. And still they kept trying to contact me. Now I received a collection letter from True Accord on XX/XX/XXXX that I now am in collections. I have also submitted a dispute with them as well.
Consumer complaint received 2024-04-06
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: CITIBANK, N.A. (MN)

I have a Citi Double Cash credit card for the last 6 years or so. I used it purchase a seasonal lawn mowing service on XX/XX/XXXX and was charged USD XXXX. 

The merchant was supposed to come the next day to start, but he didnt and went incommunicado, after multiple attempts to reach him over email and call, he responded that he is in some trouble with IRS and has to shut shop and that he will refund our money as soon as he can. We continued to follow up over email about the refund, but fell on deaf ears with no response since. 

Meanwhile raised a dispute on the Citi app on XX/XX/XXXX. Never received any status updates from Citi in the app or mail, but suddenly XXXX day in early XXXX saw the dispute status changed to customer responsible which was updated on XX/XX/XXXX. It said that they contacted the merchant and he said the services were delivered!. I called Citi bank customer care multiple times, most times there was a long hold time and the one time in late XXXX I was able to talk to a human they put me through different people and finally their agent said we sent you a notice on email to submit documents. Strangely, that doesnt show up in the app nor was it posted on snail mail but the agent asked me to send documentation over email. I did that right after, and it took them over 3 months to respond with their outcome which is not favorable as they only credited XXXX on XX/XX/XXXX without any explanation for partial credit. 


The services were never delivered to me and there is no reason I shouldnt get the full credit when there is a confirmation from the merchant that they have shut shop and cant mow our lawn!
Consumer complaint received 2023-02-11
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. (NV)

Based on new regulations for medical bills under {$500.00}, I have one company in particular which even after dispute credit reporting still continues on several medical bills below {$500.00}. The credit XXXX XXXX XXXX, Trans Union and XXXX are not removing them. 

Plusfour inc. Is the company that Ive seen that has not removed the credit reporting for medical bills under {$500.00}
Consumer complaint received 2019-11-30
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. (NV)

On XX/XX/2019 I received dispute results from Experian for report number XXXX. The results stated that the tradeline XXXX XXXX was reporting accurately. The 'terms '' of this tradeline are not correct. The tradeline was allegedly investigated by Experian through XXXX. This investigation is null because the reported 'terms ' are not correct. The report also states that I was 30 days late Experian is also reporting late payment information.
Consumer complaint received 2024-04-06
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: Winklevoss Exchange LLC (MI)

I cancelled my XXXX XXXX XXXX XXXX at the end of XXXX. There was no charge in XXXX so I thought things were taken care of. After reviewing my statements, I noticed a charge on XX/XX/XXXX. I called them last night to cancel again and they said they would call me back. I told them not to charge me last night, but they went ahead and charged another month this morning. The charge is currently pending on my credit card. I called Gemini ( you know the people that are being sued by the SEC ) to stop the payment. They refused to do so despite me telling them the situation. I thought they are supposed to protect me... not the big companies that are stealing from us.
Consumer complaint received 2024-04-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

On XX/XX/XXXX I received a letter in the mail about a {$50.00} debt due to The XXXX XXXX in XXXX, TX that had been sent to collections with Pro Collect. I paid Pro Collect in full in XX/XX/XXXX, I did not receive any kind of payment confirmation. Went to look at the account today and they are stating I sill owed money, paid another {$15.00} today XX/XX/XXXX. I just want them to stop adding money that is owed that is not real.
Consumer complaint received 2022-09-30
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: WELLS FARGO & COMPANY (MN)

XX/XX/2018 {$1100.00} XXXX XXXX XXXX XXXX XXXX ID # XXXX XX/XX/2018 {$1000.00} XXXX XXXX XXXX XXXX XXXX ID # XXXX I never signed any credit card agreement to pay the company this amount they charged, but they forged my name on their charges they submitted. I never would have agreed to charges of these amounts, The company provide me no written contract or agreement and then tried to charge extreme amounts other than quoted. They verbally quoted about XXXX XXXX dollars to take to another location. They threw possessions in the truck which caused significant damage to total loss, stole many possessions, broke multiple possessions, and stole funds by falsifying charges from the verbal quote. They had the credit card number so just charged what they wanted without any written agreement, additional verbal agreement, and far greater than what i would have ever agreed. After the incident I had received very bad information about this company and that they intentionally steal from parties of whom they are moving or storing. 

I tried to follow this matter with the merchant and they were actually frightening and intimidating as to what they would do to me if I ever contacted them again. The owner and his men working were most abusive, scary, intimidating and frightening, as they used foul language to me repeatedly. They threatened harmful actions if I reported anything against them. They were very mean to me and argued against any proper consideration and treatment of me as I tried to ask of them. 

WF again mishandled the claim and did not follow through. We raised it repeatedly, filed Reconsiderations and I completed other forms for WF, but WF never even considered handling it again as they lost their time frame so did nothing.
Consumer complaint received 2019-11-30
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (OH)

On XX/XX/2019 Jefferson Capital Systems levied my bank account for {$6000.00}. There was no payment arrangement accepted. I offered to pay on a debt that was very old and beyond the statute of limitations in my state of Ohio. 

The debt was clearly time barred and yet the company was rude over the phone, mean when I asked questions about the debt and unwilling to work with me on payment arrangements. 

The company now is not picking up the phone when I call and the attorney XXXX XXXX is not returning my calls to discuss the matter. 

This company is not abiding by the law and needs to be stopped much like XXXX XXXX had to be years ago.
Consumer complaint received 2024-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MD)

I had aloan with XXXX XXXXXXXX XXXX XXXX The loan was transferred to NewRez. 
I continued making payments as scheduled to XXXX XXXX XXXX and NewRez stopped applying the payments. 
I contacted New Rez starting in XX/XX/2023. I thought i was getting somewhere when the communication stopped. The last communication was me sending document of payment that has not yet been applied. 
It has been 5 months with my unanswered inquiry. 
2 payments of {$2100.00}. 
Thank you
Consumer complaint received 2024-04-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (OH)

IC systems Inc is trying to collect a debt for XXXX. This debt is not owed. Account was paid in full when closed. XXXX continued charging account after closure. Contacted XXXX, who agreed the account was overcharged. Bill was sent showing XXXX balance. Soon after XXXX  ( collection agency ) attempted to collect the XXXX debt. Disputed debt and it was removed from credit report by both XXXX and XXXX. Account was sent to a different agency and attempt was made to collect fictitious debt. Disputed again and both credit agencies again removed debt and put in place measures to keep XXXX from further attempts. Now IC systems ( collection agency ) is attempting once again to collect fictitious debt. XXXX investigated and apparently they think the debt is valid. Not sure how they came to this conclusion without contacting me. I have seen several reports of XXXX using this tactic to collect money from former customers, I suppose in hopes that people will give up and pay to avoid the repeated harassment by collection agencies.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX To Whom It May Concern : I hereby inform you that you need to cease and desist all collections attempted against me. You are not licensed and bonded in my state of residence. Cease and desist all collections.

These two collections are being reported in my credit reports. I hereby request immediate deletion of my three credit reports : XXXX {$500.00} XXXX {$720.00} They are not licensed and bonded to collect from the state of Georgia. I am a legal resident of the state of Georgia.