davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
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. (IL)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2023-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (VT)

XXXX XXXX charged my dental insurance after an appointment when I told them I didnt have insurance. I paid for my dentist appointment that day in office. The dentist charged my insurance also by mistake. XXXX XXXX XXXX sent me a letter saying I owed them {$170.00} for that visit. I called my dentist and XXXX and told them about the situation multiple times. My dentist said they sent a check to XXXX. XXXX said they never received a check. It has been so long that XXXX sent that debt to a debt collector, The Receivable Management Services LLC. I disputed the debt with them through both the phone and online form saying its not mine. I continue to get letters about this debt. I want the letters to stop. I dont want to be the middle man. Its an issue between my dentist and XXXX. I feel harassed.
Consumer complaint received 2023-05-19
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)

Creditor Name : XXXX XXXX ( Bank ) Date : XX/XX/23 Action : When contacting XXXX and Experian to remove inquiry they advised me to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.
Consumer complaint received 2020-11-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2020 XXXX was paid to XXXX XXXX through XXXX for services that was never rendered. I contacted XXXX and was told that since it was over 120 days they could not refund the money. I was instructed to contact my bank. Bank Of America put in a claim and I was told that since XXXX was the sender of the money which came from BOA that I had contact them again and then I was told to contact you about this matter. 

Please assist me. XXXX cell or XXXX Thank You. 

XXXX XXXX
Consumer complaint received 2024-01-26
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. (MD)

This consumer reporting agency is in violati

on of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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 21 days before the payment due date. I was not notified in the time frame. 1. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX XXXX
Consumer complaint received 2024-01-26
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. (MA)

I am writing to formally dispute and request correction of inaccurate information present on my credit report maintained by TransUnion, as I believe it is in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I initiated contact with TransUnion to address the inaccuracies outlined below, yet to date, there has been no response from them. 

XXXX XXXX ( Account Number : [ Your Account Number ], Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) : Dispute : I disagree with the reported balance of {$2500.00} and request correction to reflect the accurate amount. 
Request : Delete information regarding the Past Due amount as this account is closed and charged-off. Mark this account as disputed to prevent adverse effects on my credit score. 

XXXX ( Account Number : [ Your Account Number ], Date Opened : XX/XX/XXXX, Balance : {$400.00} ) : Dispute : I question the reported balance of {$400.00} and request verification of the Date Opened, Date of Status, and First Reported.

Request : Do not report Past Due information as the account is closed and charged-off. Mark this account as disputed until the dispute with the creditor is resolved. 

COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00}, Original Creditor : COLLECTION ) : Request : Remove this account from my credit report as it does not belong to me. 

COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00}, Original Creditor : COLLECTION ) : Request : Remove this account from my credit report as it does not belong to me. 

COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00}, Original Creditor : COLLECTION ) : Request : Remove this account from my credit report as it does not belong to me. 

XXXX ( Account Number : [ Your Account Number ], Date Opened : XX/XX/XXXX, Balance : {$280.00} ) : Dispute : The reported balance of {$280.00} is inaccurate ; I request verification of the Date Opened, Date of Status, and First Reported.

Request : Do not report Past Due information as the account is closed and charged-off. Mark this account as disputed until the dispute with the creditor is resolved.
Consumer complaint received 2023-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I reviewed my Consumer Reports and noticed that I have 8 late payments on an account that I was never late for. Furthermore, I inquired about the process of reporting with Capital One and was assured I had no late payments in the last twelve months by a representative who go by the name of XXXX. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : Quicksilver One. I have the last four of the Card in reference : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was never late according to representative XXXX. Thanks,
Consumer complaint received 2023-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc. (IL)

I declare under penalty of perjury ( under the laws of the United States of executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute I also understand that knowing and willful misstatements or omissions of material facts constitute a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001 Additionally. these misstatements are punishable as perjury under 18 I.S.C 1621 This collection found within My credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts All is being investigated by the FTC
Consumer complaint received 2023-10-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control (CA)

XXXX at Continental Credit Control ( CA license # XXXX ) made deliberately false representation as to the dates I was sent invoices from the creditor to make me believe as if I had missed years worth of statements. I then called the creditor directly, and they confirmed the first bill was only sent 2 years after the date mentioned by XXXX ( and only 3 in total, contrary to what XXXX said to me ). This deceptive practice is completely illegal and irresponsible and this individual should be stripped of any license to work at a debt collection agency
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this message finds you well. As previously communicated, I discovered unauthorized transactions on my account statement. Despite my diligent efforts to report and rectify these fraudulent activities, the items remain unresolved, causing me significant distress and frustration. 

I urge you to take immediate action to rectify this situation. I request that you escalate this matter to your highest authority and allocate the necessary resources to expedite the process of removing the fraudulent items from my account. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is imperative to address the emotional distress and financial hardship caused by this ongoing ordeal. I request compensation for the inconvenience and stress endured as a result of the unresolved fraudulent items. With this, I am asking for your assistance to remove these fraud items in my credit file 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 2023-03-07
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-06
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. (NC)

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I was not notified of a balance or payment due. I was only made aware of the balance after my credit report showed a delinquent account. I received no communication from XXXX Mastercard that the {$99.00} annual fee was due. This is a card that I do not use and had been told by XXXX Mastercard, was closed. 

XX/XX/XXXX - Asked XXXX Mastercard to close account. They said it was closed. 
XX/XX/XXXX - Credit Card destroyed and no longer used. 
XX/XX/XXXX - ANNUAL {$99.00} FEE charged XX/XX/XXXX - Notice from Credit Bureau of Delinquent Account. Credit score dropped 80 points XX/XX/XXXX - {$99.00} balance paid XX/XX/XXXX - Card Closed XX/XX/XXXX - Spoke with XXXX Mastercard to remove remark. Refused XX/XX/XXXX - Spoke with XXXX Mastercard to remove remark. Refused
Consumer complaint received 2023-02-16
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)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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 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 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 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 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 2021-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Friday XX/XX/21 Chase sent 2 unauthorized wires of {$5500.00} each + {$25.00} fee per transaction XXXX they did reverse the fee ). They confirmed on their recorded lines that this was done in error ; this was a " glitch '' and should be corrected by midnight. They assured us they would contact their wiring department to return funds in case they didn't reappear in our account the next morning, Monday, XX/XX/21 I went into our local branch ( XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and spoke to XXXX XXXX who assured me it would be handled. After several conversations this was escalated to his Branch Manager, XXXX XXXX who has adopted the party line " we are researching ''. They will not provide a decision maker contact nor have we been advised if & when these funds will be returned. Your attention to this matter would bet greatly appreciated. Please note : this is not the first time Chase had wired funds without authorization ; this has occurred in a single transaction on several past occasions.
Consumer complaint received 2024-01-26
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. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX ) has reported a derogatory account of {$490.00} on my credit report, and I was never notified of this debt before it appeared on my credit report. 

I have initiated multiple disputes, addressing the failure to notify me of the debt and the lack of proper time allowed for disputing inaccurate information. Despite informing TransUnion and XXXX of these violations, they persist in conducting automated investigations and refuse to comply with Fair Credit Reporting Act ( FCRA ) Regulations. 

On XX/XX/XXXX, I filed a complaint against XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX. Several weeks later, on XX/XX/XXXX, XXXX updated the balance to {$320.00} in response to my complaint. This swift adjustment suggests a lack of thorough investigation by the credit bureaus and indicates XXXX 's uncertainty about the accurate debt amount. 

In my reply to XXXX on the same day, XX/XX/XXXX, I asked for concrete proof of debt notification and validation. They claimed to have " no record of that letter being returned undelivered and no record of me disputing the debt or requesting validation during the XXXX period. '' It's unsurprising that they have no records, considering they never sent anything. What record could they possibly have? If you sent it by certified mail, why are you unable to provide the receipt? 

However, their response on XX/XX/XXXX failed to offer any evidence of notification, lacking a certified mail receipt or any supporting documentation. Instead, XXXX provided a validation of debt that contradicted the amount reported just XXXX days earlier ( See supporting Evidence ). 

Despite previous disputes that returned as verified, XXXX failed to update the status to " in dispute. '' It is apparent that the debt was not {$490.00} nor was it {$320.00}. As of XX/XX/XXXX, an additional {$130.00} has been removed, reinforcing the assertion that the debt is neither accurate nor valid, as previously outlined in disputes that were disregarded ( See Supporting Evidence ). 

Additionally, XXXX 's failure to update the status to " in dispute, '' despite multiple investigations they claim to have conducted, and the reporting of the date of last activity in different years for both Transunion and XXXX further solidify that none of the involved parties are performing any meaningful investigation or verification.
Consumer complaint received 2024-01-26
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. (WI)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

See attachments!

It is illegal to report transaction history, it is illegal to use unfair me to collect any debt!

Violation of privacy of 1974 violation of 31 USC 5103
Consumer complaint received 2024-01-26
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)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (CA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.