davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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. (OH)

I am a living soul otherwise called a XXXX by XXXX. The constitution declares and protects my rights to privacy. That's in the XXXX Amendment : My rights to be left alone and my rights to privacy. I did not give you permission or written consent to furnish the below information. I have been reaching out to Transunion, XXXX, XXXX when I noticed the defamation of character accounts listed below. I have notified these companies about the unlawful and unfair practices and violations being done to me. Theses accounts are affecting my creditworthiness and my ability to be expanded credit. please remove theses account and discontinue furnishing theses accounts immediately. 
Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$42000.00}, {$10000.00}, {$240.00}, {$0.00}. 
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 ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account. 


-- AUTO LOAN OR LEASE 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Credit & Collection Corporation (FL)

Global Credit Collection Corp No. Account XXXX No Credit Card *******XXXX  Amount XXXX XXXX  XXXX/ XXXX credit Card This company is charging me a debt that is not mine, has personal information mine but I have never made purchases with this credit card,
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (CA)

I received a letter from ERC Collection Agency in re XXXX XXXX XXXX XXXX XXXX demanding {$150.00} or settlement of {$95.00}. This is an attempted shake down for a debt discharged in  chapter XXXX bankruptcy as of XX/XX/17. I have not attempted to contact this entity so as not to validate this matter unwittingly because it is invalid due to the discharge afforded by the BK Proceedings. This company is trying to perpetrate a fraud during this tax season as is common by collection agencies.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$1200.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NJ)

I booked a ticket using my chase sapphire card on XX/XX/XXXX using the chase travel service for XX/XX/XXXX to travel from XXXX to XXXX. The country issues a travel ban on the XXXX and I have been trying to reach them since then i have been on hold for 6 hours today, XXXX hours yesterday and was hung up without being connected. Today I reached out to the dispute team to let them know what is happening and was told they cant dispute the charge as it has not been cancelled and gave me the same number to cancel which is not going through. XXXX can't cancel as this is a third party ticket even though they have a full refund policy for the tickets right now due to the COVID situation. And chase is not willing to help people in distress. No channel to reach out for escalations either. I spent {$2400.00} ( points+cash ) on the transaction the itinerary number is : XXXX. I am on extremely sensitive timelines and i still wasnt offered any relief, no helpline no email address for sending my concern nothing.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MS)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-03-16
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: NEW WORLD COLLECTIONS, INC. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

information inaccurate on credit report. FTC violation. Must be removed does not belong to me. 

XXXX XX/XX/XXXX {$2800.00} XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$99.00}
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

information inaccurate on credit report. FTC violation. Must be removed does not belong to me. 

XXXX XX/XX/XXXX {$2800.00} XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$99.00}
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (KY)

I had gotten behind on my payments and they offered me XXXX options for repaying. The first option was I close the card and have a XXXX % interest rate adn set up payments I could afford to repay. 
The second option was to have a reduced interest rate for 18 months, I picked a payment I could afford and they would suspend my card but leave open, after 6 months of consistent, on time payments they would remove the suspension. 
I chose option XXXX as I wanted to keep the card. After making about 13 months of payments on time I learned that they had closed my card prior to me choosing the plan and it therefore should not have been an option. By offering it to me the company committed Fraud in that it took money from me that I would not have owed if they would have only offered me the first option. 
After making the 18 months of payments I stopped paying the company because of their unfair practices. They have now filed a lawsuit against me for the balance.
Consumer complaint received 2020-03-12
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. (CA)

There are erroneous inquiries that I did not authorize on my Transunion credit report. I filed a police report, put a freeze on my Transunion report and a statement of fraud on my report and provided the police report to Transunion and they still have not removed the inquiries. 

I PREVIOUSLY FILED A COMPLAINT : XXXX Transunion 's response was that a dispute process had to be followed. 

I did all this previously and no action was taken by Transunion to delete the inquiries. File # XXXX in XXXX of 2019. 
A police report was filed, a fraud alert place on my credit report, and a case created with Transunion. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. 

According to the Fair Credit Reporting Act these inquiries are to be deleted immediately and you have failed to do so. 


Thank you
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 
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 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (AR)

Back on XX/XX/2021 LexisNexis received my letter, asking for their method of verification concerning the bankruptcy they reported to the credit bureaus on my credit reports, I sent them by way of priority mail that I have a tracking number for, that shows they received it on XX/XX/2021. When I called LexisNexis last Tuesday XX/XX/2021 to see what the status was on the letter I sent them, they said they could not find it and they gave me an email address to mail them my request again. However, LexisNexis still has not bothered to let me know that they received my email and they will be responding soon or whatever. So let 's try this again, In this letter I need LexisNexis to give me the method of verification for the bankruptcy they reported to all the Credit Bureaus, I need LexisNexis to tell me how they obtained the bankruptcy information they reported to the Credit Bureaus in accordance with the FCRA that states a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The FCRA requires the Credit Reporting Agencies to follow reasonable procedure to assure maximum possible accuracy of the information they report to a consumers Credit Report. 

When you are finished with your investigation please mail my results to the address below, a copy of my Drivers license and Social Security card is attached for identification proof. Since you all lost my first letter that I have a tracking number for, that you all received on XX/XX/2021, I need this sent to me asap! 

Also, be advised that me and my husband XXXX XXXX share this CFPB Account, so please don't think that this is some third party! You have a copy of my ID and Social Security Card. 

XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX
Consumer complaint received 2020-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I was under a forbearance plan when my account got transferred to PHH Mortgage. I was told that no bad credit reporting and no late payment charges was going to take place while I was on the plan. When I got transferred I started to receive harassing calls and was told i needed to pay all my payments at once or go on a repayment plan right away. I was without a job and had no money to pay. I managed to pay for al the payments and then after a year PHH bills me for inspections and other fees when the inspection took place I was no longer behind on my mortgage. I demand that all those assessment fees be taken off my account or credited. PHH failed to follow my forbearance plan prior to the account transfer to them, they also failed to give me assistance and demanded I pay all my payments.
Consumer complaint received 2019-12-02
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: HW Holding, Inc (KS)

The initial date reported is inaccurate and the original amount owed is inaccurate. The original amount given to the collection company was over {$4000.00}. I informed them the amount was incorrect. They adjusted the amount owed but left the amount of over {$4000.00} as the original amount owed. I filed a dispute on that and the incorrect date. They changed nothing.
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (NV)

I have been harassed via postal mail from address XXXX XXXX XXXX XXXX XXXX, MN XXXX multiple times, as I refuse their mail sent to me due to the fact that I do not know who this corporation is and after refusing their mail multiple times they keep harassing me. I do not accept mail from corporations, people I have no business or contract with. After making it clear to them that I do not understand or know who they are or what their intention is, to please cease all communications with me unless they can identify themselves properly or send some type of verification that I have a contract or know them on a personal level. They do not, they just keep sending mail with fake seals, pretending to be government entities trying to induce me under the color of law, which is a crime, as I mentioned before I do not know these individuals or what their intentions are, obviously its FRAUD.
Consumer complaint received 2022-03-22
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: CCS Financial Services, Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX XXXX of the XXXX ( phone is XXXX, site is XXXX XXXX XXXX ) stated I opened a policy with them on XX/XX/year>. Policy # XXXX. I never opened a policy. I asked for validation of debt and proof I opened the policy that includes authorization with my signature, and they can not provide me with anything that states I initiated this policy. I disputed with the Collection agency I heard from ( Credit Collection Services ) who is demanding I provide proof of insurance coverage. This is fraud and I do not owe anything to this company.