davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXXXXXX  XXXX XXXX   Last reported XX/XX/XXXXXXXX  {$620.00} Open balance XXXX XXXX  Last reported XX/XX/XXXXXXXX  {$620.00} Open XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - XXXX XXXX   Reported : XXXX XXXX, XXXX - XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX - XXXX XXXX   Reported : XXXX XXXX, XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX XXXX  - XXXX XXXX  XXXX   XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2022-11-07
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: Advanced Resolution Services Inc. (IL)

ADVANCED RESOLUTION SERVICES , INC., a financial institution and credit reporting agency operating in commerce for profit by assuming the role of furnishing and reporting consumer data, has obtained possession of my personal identifying information from the data furnisher ( XXXX XXXX, XXXX ), and is now complicit in the willful act of engaging in UNAUTHORIZED USE of my personal identifying information by reporting and sharing the unauthorized information to various financial institutions absent my expressed written permission, consent, instruction, or authority. 

This unauthorized use of my personal identifying information constitutes " Identity Theft '' as defined by 12 CFR 1022.3 ( h ) and 17 CFR 248.201 ( b ) ( 9 ), and is in clear violation of 15 USC 1681b ( a ) ( 2 ) having no permissible purpose or authorization. Under the FCRA, Bankruptcies are to be EXCLUDED from a consumer report in accordance with 15 USC 1681c ( a ). ADVANCED RESOLUTION SERVICES , INC, acting as both a credit reporting agency and a financial institution, has a fiduciary obligation and responsibility to comply with the FCRA section 15 USC 1681c-2 ( a ) in the interest of the consumer by deleting the unauthorized information no later than 4 business days after receipt and delivery of the notice.

I demand this agency to cease furnishing the information provided below in respect of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2016 XX/XX/2016 XXXX
Consumer complaint received 2020-09-29
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: Experian Information Solutions Inc. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

I just started using care credit this year for pet expenses. I recently maxed out the credit limit on the card. My first payment was due on XX/XX/XXXX so I paid the minimum payment due plus {$1000.00}. I used a rep to make the payment so I could apply the excess amount to specific promotional balances. I was told XXXX XXXX  to post and then my account would have credit available. My purpose was to pay down on a XXXX month deferred promotional balance so that I could use the card to pay for upcoming expenses at a vet who offers XXXX  months deferred interest. On XX/XX/XXXX I tried to use the card and the available credit had not been updated to reflect the {$1400.00} payment. I called care credit and was told that anything payment over {$1000.00} may cause the entire payment to be held for several days. So I could not use the card for the vet bill as I intended, nor can I use it for the vet charges that will be incurred on XX/XX/XXXX because I was told by a second rep at care credit that the available credit will not be updated until midnight Monday night so Tuesday, XX/XX/XXXX, it will be available. That's XXXX days after I made the payment. He said if I had made XXXX {$700.00} payments on different days, there would have been no problem. And, he said this holding of payments is done randomly. So I paid {$1000.00} extra on the payment to care credit for no reason and still have to pay more money for the vet bills that had to go on a different card.
Consumer complaint received 2022-11-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Regional Management Corporation (NC)

XXXX Submitted a reply to Regional Finance because they have defaulted on providing consumer validation on an alleged debt. On XX/XX/2022 regional finance was given a cease and desist and an opt out request for arbitration along with validation questions that Must be answered under FDCPA XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX regional finance failed to provide any required documents to consumer during the XXXX XXXX  discovery period. However regional finances branch XXXX breached consumers cease and desist by responding on XX/XX/XXXX of XXXX a statement requesting payment from consumer without validating the debt. Therefore consumer is now providing debt collector regional finance XXXX business XXXX from the date of certified mail an opportunity to cure the account by XXXX out the balance on the account and all consumers personal information in regards to the alleged debt and a copy sent to the consumer of deletion.
Consumer complaint received 2023-02-09
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. (NC)

Recently I went on to a couple car sites and used their prequalified method to see if a Vehicle I like what my rates would be. Long story short these people have shopped my report to Multiple places and now people are calling me to purchase a car. This is violation or my credit report and personal information being shopped to vendors without my consent nor knowledge. Please delete the state inquiries below, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never authorized any of these credit inquiries on my report.
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I have previously wrote a letter on XX/XX/XXXX via certified mail and and also submitted a complaint to CFPB on XX/XX/XXXX about an invalid debt account that is not mine reporting to my credit report coming from " National Credit Adjusters '' They responded to my letter saying that they would start the dispute process and place the account in dispute status. Later when I made a complaint to the CFPB the replied saying that the account is in dispute status and they were waiting for account documentation from the original creditor. It is not XX/XX/XXXX ( Basically XXXX ) and the account is still on my credit report even though I made the original request way back on XX/XX/XXXX. This is extremely unfair and hindering.
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Trust Management LLC (IA)

XX/XX/2020 Received a phone message from " Mr. XXXX '' - asking for my location information. Using telephone number : XXXX he asked me to call him back at XXXX I called back a few minutes after his call. 

I asked for the name of the company. He refused to provide it if I did not provide my name. 

I asked again. He provided GTM after being very aggressive.

I asked him to tell me the full name of the company - Hung up on me when I asked him to tell me what GTM stands form.

I called back, frustrated, because there was no reason for him to disconnecte the call.

Got him back on the phone - requested a supervisor - he refused to transfer me to a supervisor. He disconnected the call again.

I googled to locate the company information Located : Global Trust Management Mailing Address : XXXX XXXX XXXX XXXX, FL XXXX Toll-Free : XXXX or XXXX I spoke to XXXX XXXX who also refused to assist with his abusive employee, but was able to verify that I had called the correct location. He indicated he knew I had spoken to someone prior to the person who transferred me to him, but refused to discuss the situation if I would not verify my social security number. I declined to do so, advised I would be contacting the CFPB and ended our conversation politely.
Consumer complaint received 2020-09-29
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. (NC)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an  account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In follow-up to COMPLAINT ID No. XXXX, Bank of America Issued a ghost representative which does responds to any calls or emails with a response deadline of XX/XX/2020. I believe Bank of America is not taking this case seriously and just issued an automated email response to " act '' like their doing something in regards to this matter.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Atlanticus Services Corporation (MA)

Hi Fortiva Executive Office! Good Afternoon Team! How are you doing this pandemic and Covid19? Hopefully, youre safe and sound! Listen, Im extremely disappointed and shocked because I just looked at my credit again and noticed that the 2 late payments remarked are still reporting on my credit. Remember I called your  company directly late XXXX to ratify the situation and your representatives mentioned that they will submit a request to remove the late payments that are reporting on XXXX and XXXX of XX/XX/2020. I also remembered when COVID started my bank was closed and I couldnt see the transaction history and I was certain that your company had automatic payment authorization.

Again, this never had happened to me, and therefore, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly
statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. Also, I've personally re-assure that the payment comes out automatic and i'm meticulously paying down my payment as fast as i can, despite the COVID19 that's hurting my health now and i've lost my job at the car dealership.
Consumer complaint received 2020-09-29
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. (MS)

i have sent XXXX, XXXX  and Transunion SEVERAL LETTER trying to resolve this matter. In XXXX, i sent letters asking each individual credit reporting agency to verify the bankruptcy they are reporting on my credit report. Transunion has deleted the unverifable bankruptcy from my credit report, However there are several accounts that i have disputed and they are CONTINUING to report INACCURATELY information on my credit report. I have sent several letters back to back and they are not coroporating. 

XXXX  and XXXX  are also reporting inaccurate information on my credit report, and are refusing to ccomply with my disputes. Furthermore BOTH XXXX   and XXXX  are claiming that they verified the bankruptcy from XXXX XXXX, attached below you will find where XXXX  XXXX has DELETED the information due to it being unverifable. However XXXX  and XXXX  who claimed they got their information from XXXX XXXX has refused to remove the inacurrate information and its been 6 whole months since i sent them PROOF to have the information deleted. 


I have found an FCRA Attorney from XXXX and XXXX XXXX and they have informed me that i can sue TRANSUNION, XXXX  and XXXX  for inaccurate reporting and defamation of character.
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (WI)

Once again charter communications is harassing over a fraudulent bill of {$120.00}, I filed a compliant three years ago against XXXX  over the same bill and the harassment spotted up until XXXX of 2020. XXXX  is now using the name XXXX XXXX XXXX XXXX  to continue to harass me over the same fraudulent bill of {$120.00}, all bills had to be paid in advance or no service would be provided. I had paid for cable service for 37 years up until XXXX XXXX XXXX  sold out to XXXX how now is using the undercover name of XXXX XXXX XXXX XXXX  to defraud me of {$120.00}. XXXX has hired a collection agency Amsher collection service to post a fraudulent claim on my credit reports causing me harm to my financial status.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (TX)

See Complaint XXXX. Letter dated XX/XX/XXXX from XXXX XXXX stated " Bank will close the Account and submit the Discharge to the county clerk upon receipt of {$430.00}. '' On XX/XX/20 they cashed our check for that amount. I continue to receive collection calls.
Consumer complaint received 2024-04-19
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: EQUIFAX, INC. (TX)

I am a victim of XXXX XXXX. Equifax has refused to remove the XXXX account XXXX that is a direct result of XXXX  Equifax is refusing to remove the XXXX XXXX account XXXX and asking for more documentation. I have sent it in several documents supporting my case and they continue to ask for something more. Even though they removed the accounts that are a result of XXXX  prior, and the XXXX other credit reporting agencies have removed the XXXX account This has been going on since XXXX, my XXXX and I were told by Equifax we can not report a XXXX  claim through the CFPB, they told us it would be immediately dismissed and they would not process the dispute. After calling the CFPB, I found out that is lie I was told my documents are not vailed, nor accepted which makes no sense because Equifax accepted and removed the other accounts with the exact same docs from the exact XXXX. Even after they spoke to my XXXX they said I was not a XXXX XXXX I am frustrated and upset, reliving over and over just trying to get XXXX last account off my credit report Under the law the required documentation is defined as identity docs, determination letter, XXXX  statement I have sent these docs as well as police reports, court docs, and more. 
Please help make this company follow law
Consumer complaint received 2024-04-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MN)

I have XXXX private loans with Navient associated with the XXXX XXXX, which the Department of Education deemed as a fraudulent school. All three loans originated at the end of 2005. The original principal balances of the loans are {$3500.00}, {$1000.00}, and {$500.00}. The current total loan balance is {$14000.00}. Considering the payments I have made on this account over the past XXXX decades, the principal balance has been paid back, but some.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Frontline Asset Strategies, LLC (NY)

Frontline and asset strategies obtained my personal information without my permission and when I asked for clear evidence that it was me who authorized it with clear wet ink signature they failed to provide any evidence PLEASE SEE ATTACHMENTS Ive sent them a notarized letter through Certified mail which is a contract in itself and they failed to respond or remove this report on my credit
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

On XX/XX/XXXX I sent a letter to the Enhanced Recovery Company asking them to validate by signature that a specific invalid debt account was mine as this is not my debt account at all yet it shows on my credit report. I have also previously submitted a complaint to the cfpb as well. They responded that they sent documents including the lease/contract containing my signature. I received the documents but the documents did NOT contain the contract with my signature so it seems like they are now lying and putting this debt on me. The documents basically were only a bill and a summary of what that bill contained. This is extremely unfair as this is not even my debt account
Consumer complaint received 2020-09-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

this is who i am filling a complaint on southwest collection service, inc i have received numerous blocked called and calls from this agency, telling me they are going to deport me if i do not pay this debt, i told them i will only pay XXXX i will not be paying XXXX ever! and they said they would not except, so they said if i dont pay the total they would be reporting me to ice agency, but im a citizen, ... i am not sure if i should challange them in court, i would like to settle this and pay half but they said they would not except, he called me ugly and called me ill and said he wanted me to harm myself. XXXX XXXX from southwest collection service, inc is who im filling the complaint against. 

i called the dentist in XXXX XXXX personally and they said the dentist died, so they wouldnt be able to take any money, this is an old cause XXXX i understand this creditor is trying to collect the 10 percent this isnt going to happen. i will only pay XXXX nothing more. i will also be reporting them to fdcpa i am XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX i have recieved threats telling me they will be reporting me to ice, to come take me and my family, i am ready to sue them! southwest collection service amount {$590.00} interest {$390.00} total {$980.00} creditor XXXX