davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-20
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. (TX)

In accordance with the Fair Credit Reporting act 1 ) XXXX XXXX Original creditor : XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX Original creditor : XXXX XXXX Account # XXXX 3 ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX 4 ) XXXX XXXX Original creditor : XXXX XXXX XXXX Account number 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 2023-10-20
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. (CA)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items 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 2019-07-29
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. (NV)

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of XXXX XXXX ASAP
Consumer complaint received 2019-06-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DIRECMANAGEMENT, INC. (MN)

Hi, My daughter 's insurance is managed by her dad. All the medical bills associated with her XXXX or care through the XXXX XXXX XXXX should be in his name, and as well as all the other medical bills when I was out f work. This a problem. I called to have the bills transferred into his name but that has not happened. 

I also filled out a financial application which they have lost through XXXX and the University XXXX XXXX. This is also includes bills for the XXXX. There are also bills that have been sent to collection agency companies without going through the insurance claim process. The two companies are XXXX XXXX, Direct Management, and XXXX XXXX. 

The other problem is that the insurance company which is XXXX can not speak with me about the bills because my daughter 's coverage is in her dad 's name. XXXX met her threshold for her deductible in XXXX of 2018.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (CA)

I opened an acct with American Express Serve with XXXX XXXX on XX/XX/2024. They have not sent me my debit card and it has been 2 months. I have over {$7000.00} of funds I have not been able to access for 2 months now. I have called multiple times requesting a card and it is never issued or received.i have fallen behind on bills due to their issue. I even requested my card be sent via express shipping and that I would not mind paying the {$20.00} service fee, they denied my request saying since I havent activated a previous card it was not an option for me. This is absolutely ridiculous I cant even used my routing or account number, I cant transfer funds from the acct, i cant even do the in store cash pick up due to a " technical error '' i want my debit card and i want my money
Consumer complaint received 2022-07-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates (SC)

Today XX/XX/2022 at XXXX a lady from XXXX called and said I owe money to XXXX XXXX for a medical debt. They have sent nothing in the mail from their company which she said it was called XXXX XXXX. I told her I want to dispute that and get an itemized statement of the charges as the insurance was not filed or any insurance paid on this bill. She told me that she can not do that and that I have to go through XXXX. Then I told her to send the debt back to them if she doesnt have proof that I owe the money and what is owed is for. She then said no you have to pay me now or I will just put it on your credit. I said legally you have to provide that information to me if you want me to pay you a bill I need proof of what you want. She then again ignored me and said I will just put it on your credit and hung up. So if they can not prove that insurance was billed or what the money they want from me is for then I am not paying someone that will not give me any information other than they want my credit card to pay them. I set a payment plan up on the patient portal and have been paying on this account. It is against the law to threated me with my credit when they will not provide what the money they want is for. They are to send this back to the original company and I will deal with them.
Consumer complaint received 2016-03-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (CA)

I returned all the medical supplies sent to me in the amount of time specifide because the sensor was faulty and not accurate. I called and complained nurmous times to never have my calls returned, so I returned their products in full. They took money off my husbands credit card for over {$300.00} that needs to be returned to me. They have been harassing me non stop and I 've explained to them that I will not pay for something they already have back. I sent certified I have signed receipt! Thank you
Consumer complaint received 2022-04-20
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. (NJ)

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. 

XXXX XXXX XXXX Original creditor : 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 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 2023-06-30
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. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : 15306 Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT NATIONAL CXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2015-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

ocwen loan servicing llc got my mortgage transferred fromXXXX XXXX .when ocwen sent my first statementthey added a {$2800.00} fee. my account should be reimburst for any and allfor any and all costs.
Consumer complaint received 2022-10-13
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. (AR)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
*XXXX XXXX XXXX XXXX  Acct # XXXX ** XXXX XXXX XXXX XXXX # XXXX ** XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX Acct # XXXX ... 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-20
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. (NY)

XXXX XXXX XXXX affiliated with Equifax has removed XXXX points for decrease payments explanation. 
XXXXXXXX XXXX associated with Equifax Remove XXXX point which is not substantiated. I reached out to XXXX XXXX and never got any answers. 
XXXX XXXX XXXX is reporting accounts with a no explanation but saying XXXX XXXX has information update no update. These accounts must be removed XXXXXXXX XXXX XXXXXXXX associated with Equifax have not follow the FCRA by removing accounts ordered by creditors who so the said accounts to multiple collection agencies that did not report the said accounts were paid with XXXX balance keeping my accounts in the negative and crippling my financial growth and credit. This is unfair. XXXX XXXX associated with Equifax has not corrected my credit profile. I am considering legal assistance if this issue can not be corrected. 
5. I have requested that the points be added back 6. XXXX  XXXX took XXXX  point from XXXX on a credit card that I don't have. How can points be deducted if I don't have credit cards.
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (NY)

The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : RETIRED XXXX Date Updated : XX/XX/XXXX RETIREDXXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

My mom opened a XXXX XXXX  credit card back in XXXX of XXXX and added me as an authorized user and she passed away in XXXX. XXXX XXXX  put the credit card on my report and stated that it was a joint account. I have disputed this numerous times with them and asked for verification. They havent produced any and i can not get this off of my credit report. It shows as a charge off on my report and the account is closed. It states the responsibility is " individual '' I need help with having this removed from my account
Consumer complaint received 2022-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I recently received an update to my eligible payments under XXXX. XXXX payments from XXXX have been marked ineligible without sufficient explanation. When I attempt to call, it is dropped. Chat is unavailable, and email gets a copy/paste response. 

I am a XXXX XXXX teacher, teaching for XXXX years. I consolidated into XXXX XXXX XXXX years ago.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (NY)

Based on Experia suggesting ways to boost my credit score, they matched me with credit cards I could apply for, that would accept me. I tried 2 of those and it resulted in an instant decrease in my credit score since they both denied me. I have tried calling and the number is automated with no option for dispute resolution, and can not get through to a live human agent. There is no other dispute option except by ground mail, which isn't a viable option at this time.
Consumer complaint received 2022-04-20
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Consumer disputes this account information XXXX Subject has not satisfied debt., XXXX, XXXX } XXXX** 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-20
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Consumer disputes this account information Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } 49358** 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

I have reached out and disputed inaccurate information that is reporting on my credit report with XXXX for the last 6 months, a bankruptcy. 

I have reached out to XXXX via telephone on multiple occasions to get this resolved with no success. 

Every representative at XXXX, XXXX website, and LexisNexis website says they receive Bankruptcy information from LexisNexis. 

I have received documents from LexisNexis regarding this bankruptcy that XXXX has reported. This Bankruptcy is not reporting on my LexisNexis and it is not mine. 

I have received documents from the courthouse as well that say they do not report to any credit bureaus. 

On every occasion that I have reached out via the telephone with an XXXX representative, they mentioned the information is coming from LexisNexis. I have also reached out to LexisNexis and they said this is not coming from them. 

I spoke with XXXX on XX/XX/2022, and she said I needed documents from the courthouse and LexisNexis. I have supplied these documents multiple times to XXXX. XXXX said her supervisor, XXXX needed a document from the courthouse saying the Bankruptcy is not mine. I have provided that document as well. I also requested the documents they receive to verify the bankruptcy, XXXX sent me a credit report and mention they don't send consumers documents they use to verify this information There is currently an active lawsuit in California against XXXX XXXX LexisNexis due to the inconsistent information and violation of the FCRA laws. I will be reaching out to my XXXX officials regarding this matter if XXXX does not remove this Bankruptcy from my credit report. 

I have attached all of the necessary documents XXXX has been requesting to remove this and I attached LexisNexis website as well.
Consumer complaint received 2024-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

My identity has been compromised Years ago. Several accounts have been opened under my name without my authorization or knowledge and i'm unaware of these accounts. In accordance with the law, I have sent a letter to the following creditors in order to verify the debts they allege that I owe and they can not verify debts to me.
Consumer complaint received 2022-04-20
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXXK XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-10-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (MD)

Dear XXXX : I write in order to submit a complaint against Professional Account Management ( " PAM '' ) of XXXX. PAM falsely alleges that I owe {$180.00}. I have disputed the validity of the purported debts, in writing, on numerous occasions. PAM refuses to provide documentary evidence to support their accusations. PAM and/or its agents have called me at work, called and texted my mobile phone resulting in charges, phoned before XXXX and after XXXX, sent threatening letters, and presented materially false information to the CFPB and the XXXX. I have requested that they cease and desist communication on multiple occasions to no avail. For the foregoing reasons, PAM is in clear violation of the FDCPA. Furthermore, they are in violation of the FCRA, FDCPA, and the FTC Act by falsely alleging to public entities that I am delinquent on accounts and publicly disclosing my personal information without authorization or consent. I respectfully request that you intervene and put an end to these unlawful practices. Very truly yours, /s/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Maryland XXXX