davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates (MI)

XXXX XXXX XXXX. and said it was assigned to XXXX address XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Texas XXXX sent me a letter on XX/XX/XXXX said they were collecting medical debt for XXXX Hospital/ XXXX XXXX from XXXX in the amount of {$830.00}. The letter was dated XX/XX/XXXX and said I need to respond by XX/XX/XXXX but I didn't receive it until XX/XX/XXXX. I responded with a debt dispute letter I sent this out on XX/XX/XXXX certified with return signature they received the letter XX/XX/XXXX I have received the card back with a XXXX signature on it. I checked my credit report and they reported it again XX/XX/XXXXthe day after they received my dispute letter. On XX/XX/XXXX they received it they sent me out another letter from XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX but this time with the name Mitchell D. Bluhm & Associates LLC. but this time saying I owe {$190.00}. It's the same company but they are just putting different company names on the letter head, and they are trying to scare people into paying them I asked them to Cease and Desist until they sent me proof the debt belong to me and if they can legally collect debt in the state if Michigan then they just put a lawyer 's name on the letter. None of the account numbers are mine nor service dates nor amounts they say I owe. One on the service date on both sheets are for XX/XX/XXXX one in the amount of {$57.00} and then the other for {$45.00}. I have never been to the doctor or hospital twice in one day. Plus, I have 2 insurances and have had for about 5 years, and I don't have co-pays, and anything not covered would come directly off of my FSA account. I do not have or ever had an account or signed or signed up for anything with this company.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The original creditor XXXX  XXXX removed the account beacuse it wasnt mine. The company that bought XXXX XXXX it kept it on with a last payment date that wasnt on the original date. The collector who bought it stated a last date paid was wrong beacuse they never recieved a payment from me.
Consumer complaint received 2020-04-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CITIBANK, N.A. (CA)

They lowered my credit limit. I want it put back to {$4200.00} and I need a foreberance for my account. I have been affected by the corona virus and they shouldn't have lowered my limit.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, 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. (NY)

there are fraudulent and unauthorized inquires reporting on my transunion credit report fraudulent/unauthorized inquires XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX/XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC (SC)

XXXX I began working with Quicken Loans to secure a mortgage for purchase in XXXX. The week prior to closing on XX/XX/XXXX I received an email that my credit score dropped and I needed to speak to another representative. I was presented with an updated loan estimate and informed that there would be a delay in closing. Weekly there were updates on the house and we were " waiting '' for my score to rebound as a new item was placed on my record which dropped my score. 

During this time my credit was pulled twice on XX/XX/XXXX and XXXX for no reason as it was already pulled on XX/XX/XXXX and the new rescore would not be available until later in XXXX. I was told that they could rescore the credit with additional information that I sent in-but that was not true. 

I called the company to see if they would remove these hard inquires only to hear that I " must have '' known this is what would happen for a rescore and when my case was transferred to another agent. This practice is unfair especially since I was approved with them and then they gave me nothing but the run around a week from closing.They were not transparent in their handling of this case-3 credit pulls in 30 days is absurd.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NJ)

There are two fraudulent hard inquiries as well as a credit card opened through synchrony under my name. I have called multiple times and the representatives act like they havent heard about my complaint before. Its been 18 days and I still havent received a confirmation letter. I have o ou received a bill demanding that I pay the {$1500.00} fraudulent credit card bill. I have disputed through the CRAs and none of the information is correct and it hasnt been corrected. Every time synchrony changes my report it negatively effects my score.
Consumer complaint received 2020-04-09
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. (GA)

I guess its easier to pretend as if you can't understand what I'm saying than admit EXPERIAN is wrong. 

I WILL BE FILING A SMALL CLAIMS LAWSUIT ON OR AFTER XX/XX/2020 ABOUT MY UNRESOLVED LAST COMPLAINT # XXXX. I HAVE MAILED THEM MY DEMAND LETTER AND IN CASE THEY DIDN'T GET IT, HERE IS MY PROOF. 

I'm telling you to put the information you deleted back on my report and send XXXX XX/XX/2020. I'm trying to resolve the issue before going to court. Experian hurt my credit by deleting the information from my credit report! I can't get the house that I wanted because they removed this information from my credit. 

I DID NOT WANT THAT INFORMATION DELETED! I NEVER ASKED FOR THAT INFORMATION TO BE DELETED! 

The following attachment are the items I DID NOT WANT TO BE DELETED. 
I NEVER ASKED FOR THIS INFORMATION TO BE DELETED. 

ALSO I HAVE ATTACHED PROOF THEY GOT MY DEMAND LETTER.
Consumer complaint received 2024-03-19
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$8900.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-02-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ID Analytics, Inc. (OH)

I applied for credit on XX/XX/2022 using lending tree. Despite having a XXXX credit score, I was denied based on inaccurate information on my credit report. 

I was told there is a credit hold, despite this not being true. I feel this was used an excuse and in reality I was denied because of my age. 

XXXX by XXXX XXXX listed XXXX as a credit report source, however when speaking to a rep, she told me XXXX by XXXX XXXX does not use human, they use an AI Algorithm. The rep then said they use SageStream LLC. However this was not disclosed XXXX Fair Credit Reporting Act After speaking to XXXX, they verified no such credit freeze exists. I think I was denied illegally.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XXXX  Credit Report of USAA 1 ) CERTIFYS FALSE CREDIT INFORMATION. 2 ) USAA COLLECTS ON ID THEFT. 3 ) Kindly note THERE ARE NO USAA CREDITS MADE TIMELY XXXX XXXX see attatched XXXX   Credit Report. USAA CERTIFYS THIS IS NOT ID THEFT. ( This is ftc ID Theft case XXXX dated XX/XX/XXXX THAT USAA IS VERY AWARE OF ) see attatched XX/XX/XXXX statement my data was used to place UNAUTHORIZED charges of {$470.00}. see attatched XX/XX/XXXX Fraud Claim date XX/XX/XXXX, XXXX see attatched statement XX/XX/XXXX transactions XXXX XX/XX/XXXX total {$470.00} UNAUTHORIZED. My data was used to place THE SAME DUPLICATE UNAUTHORIZED TRANSACTIONS OF XX/XX/XXXX {$470.00} see attatched XX/XX/XXXX statement. see attatched UNAUTHORIZED ACTIVITY REPORTED transactions XX/XX/XXXX - XX/XX/XXXX My data was used to place {$320.00}. UNAUTHORIZED TRANSACTIONS USAA COLLECTS ON ID THEFT REP ID XXXX, XXXX, XXXX. USAA CERTIFYS INACCURATE INFORMATION. I HAVE BEEN DENIED CREDIT DUE TO THIS. THIS IS ID THEFT.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$1000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$580.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$910.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX, Amount {$560.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX, Amount {$530.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX, Amount {$5900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.
Consumer complaint received 2020-04-09
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (GA)

I am a victim of Hurricane Michael ( XX/XX/XXXX ) living in a federally declared disaster zone. I received a {$130.00} settlement benefit check ( # XXXX ) issued by this bank dated XX/XX/XXXX. By the time I received the check that was lost in the mail and cashed it, it was returned by my bank as unpaid on XX/XX/XXXX. 

I have advised to XXXX XXXX and XXXX XXXX several times both the telephone number ( XXXX ) XXXX, the website ( XXXX ), and the email, XXXX provided for XXXX  are prerecorded lines with no option to speak with a live representative or request a replacement settlement check and you would know that if you just simple dial the number yourself prior to blindly handing it out. They have both repeatedly ignored my emails, including the executives CC 'd for Huntington Bank. 

I am requesting this be resolved immediately, especially considering the funds should still be available in the company 's account.
Consumer complaint received 2017-05-17
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: EQUIFAX, INC. (NV)

RE :   XXXX  I have notified Equifax that this not mine :  XXXX   XXXX  accounts  XXXX ,  XXXX  and  XXXX  All they did was verify that  XXXX  had my name and social seucrity number, which of course was already knows as it was on the credit report to start with, so they took the word of the reporting company,  XXXX , as validation of its own debt?     I am   XXXX   XXXX   XXXX   an have lived in Nevada for over 25 years and provided my information, license and property information from  XXXX   XXXX  to Equifax that I have lived here and not Texas and have never lived there and did not have service there.  XXXX  needs to respond to us with pro of ( written contract,  drivers license, method by which these accounts were set up, in person, on the itnternet, etc ) that a single person would hav e  XXXX  u tility accounts. Why would I have  XXXX  utility accounts????     Asking a company to verify their own information is not an independent process and hardly qualifies as a legit investigation.     Thank you,   XXXX   XXXX
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NV)

On XX/XX/2021 an account with the name of RECEIVABLES PERFORMANCE is reporting a negative balance of {$720.00} to XXXX XXXX XXXX of which I do not owe. I have never owed that company anything. This is harming my credit and I am unable to continue having a good future because of this.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had paid off my XXXX card in full by XXXX of XXXX. There was a {$17.00} balance on the card that I was not aware of an wasnt contacted regarding paying. I have a clean history of payments for the 15 years of credit history on my report, after 30 days, XXXX sent this to collections without contacting me. The effect on my score was detrimental and dropped it down over 70 points. 

I called XXXX on XX/XX/XXXX to resolve and they stated their was nothing they could do. I closed the account after making the final {$17.00} payment. 

Ive been working with Transunion since XX/XX/XXXX to fix my score, but havent had success at this point in time as of XXXX.
Consumer complaint received 2020-04-09
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. (IA)

I have disputed with Equifax several times an inaccuracy on an account that appears on my credit report. This inaccuracy is a late payment that appears in XX/XX/2019 on my XXXX XXXX. I have submitted proof in the form of a chat log with XXXX customer service where they acknowledged that the account was never late. I have talked with customer service at Equifax about this dispute and they have acknowledged that I did previously dispute this item and they saw my attached proof that the account was never late but still refused to remove it and said the dispute was an automated process where they send over a 2 digit code to the creditor which doesn't even contain my proof.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 a account without my written instructions.
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NE)

I have never had phone service in my name. Ever. I was only XXXX when this was opened. In Nebraska you have to be XXXX to have a contract. I couldnt have done it if I wanted to anyway. 
The original account was opened in 2018. The amount due is {$1600.00}. Original creditor is XXXX XXXX. Collections company is Jefferson capital.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (IL)

I had paid off my Nordstrom card in full by XXXX of XXXX. There was a {$17.00} balance on the card that I was not aware of an wasnt contacted regarding paying. I have a clean history of payments for the 15 years of credit history on my report, after 30 days, Nordstrom sent this to collections without contacting me. The effect on my score was detrimental and dropped it down over 70 points. 

I called Nordstrom on XX/XX/XXXX to resolve and they stated their was nothing they could do. I closed the account after making the final {$17.00} payment. 

Ive been working with Transunion since XX/XX/XXXX to fix my score, but havent had success at this point in time as of XXXX.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-24
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. (NY)

I need to report XXXX account for violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAPRemove the account immediately. Thanks. 

XXXX XXXXXXXX
Consumer complaint received 2020-04-09
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: CITIZENS FINANCIAL GROUP, INC. (MA)

I got into a severe car accident back in XXXX and since then I have been trying to have GAP INSURANCE to pay for the deficience balance of {$6000.00} and they finally sent {$4500.00} last towards that and mailing out the difference this month. I am really concerned about the account because the lates shouldn't be there if GAP acted in a timely manner. I am pleading to you to have these lates removed or deleted.
Consumer complaint received 2020-04-09
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. (GA)

Multiple missed payments were reported for my XXXX account across all 16 of my student loans while I was in forbearance. Ive asked XXXX to provide proof of the forbearance terms and they were unable to furnish that communication. They stated that the forbearance was verbal via phone and the representative I was working with likely entered something into their system incorrectly. I also received no communication before or during the months of XXXX, XXXX and XXXX when these accounts were reported as delinquent.