davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-26
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. (CO)

I have submitted MULTIPLE disputes and information IS STILL INACCURATE. they are reporting higher balances than they are and reporting inaccurate after it's resolved. XXXX XXXX sent check for {$670.00} is not balance of XXXX and was paid off by bank 3 wks ago. XXXX  XXXX was paid off even though it is still in dispute for XXXX I HAVE NEVER HAD A BALANCE EVER FOR XXXX  XXXX FOR XXXX!! MY CREDIT ALLOTTED BALANCE IS XXXX AND XXXX ON 2 CARD. I HAVE NEVER BEEN AT A BALANCE OF XXXX EVER IN 4 YEARS BEING WITH THEM
Consumer complaint received 2022-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Windham Professionals, Inc. (PA)

I XXXX XXXX, a federally protected consumer, and I am making this complaint against Windham professionals INC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. On XXXX XXXX Windham professionals INC sent two letter stating an alleged debt was owed to them a total of {$3000.00}. In a conspiracy with XXXX XXXX XXXX XXXX to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. Windham professionals INC has violated my rights under HIPPA in the attempt to collect and alleged debt they have illegally received my health Information with disregards for my rights to privacy. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. On XXXX 2022 request for validation & verification was demanded and ignored. An XXXX attempt was sent on XXXX XX/XX/2022 certified mail and was confirmed delivered XXXX XXXX. Windham professionals INC has failed to rebutt the affidavit. Please provide me with documentary evidence of the obligors consent given to be contacted or Hippa Information to be attained. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently alleging this debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Windham professionals INC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Windham professionals INC, continues its collection efforts, I will file for litigation for actual damages caused and Windham professionals INC, shall be liable for violations of XXXX, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX FTC XXXX and XXXX XXXX. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2023-06-30
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 one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX; XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX  XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$690.00} ; XXXX  XXXX XXXX Balance : {$540.00}.
Consumer complaint received 2023-08-14
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. (CO)

I am writing to express my concern about a violation of my rights under the Fair Credit Reporting Act. Specifically, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my privacy rights under

15 USC 1681 section 602. As a consumer, I have the right to privacy and to control the information that is shared about me. According to 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish my account without my written instructions. This means that I have the right to decide who has access to my credit information and how it is used. Furthermore, 15 USC 1681a definitions ; rules of constructions - exclusion - except as provided in paragraph, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. This means that I have the right to make payments on time and not be penalized for doing so.
I am aware of the " Opt Out '' requirement detailed in subsection ( b ) of 15 U.S. Code 6802, and I understand the definition of " nonpublic personal information '' as provided in subsection ( e ) ( 4 ). I expect that my rights under the Fair Credit Reporting Act will be respected and that my privacy will be protected.
Consumer complaint received 2023-08-10
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)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX  XXXX Balance : {$760.00} EDFED XXXX XXXX Balance : {$410.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/2022
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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-08-10
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. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Comerica (CA)

My name is XXXX XXXX, my uncle passed away in XX/XX/XXXX and my uncle had a banking account in Comerica Bank and someone did payments and withdrawals were still being made at ATMs even AFTER his death. That caught my attention and at the same time I was concerned because my uncle was no longer alive to make transactions.I went to the bank to talking with the manager but, he didnt want help me.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Background : On XX/XX/XXXX, I placed a credit freeze with all Credit Bureaus due to identity theft. 

Current Issue : Experian provided my credit report to XXXX Bank despite freeze being in place. 

History : On XX/XX/XXXX XXXXXXXX XXXX, I received an email from XXXX XXXX XXXX XXXX XXXX XXXX an application was pending under my name and information. 

I called the XXXXXXXX XXXX XXXX contact number at XXXX XXXX the same day, only one that was listed in their mobile app - XXXX, and they initially said they didnt see any applications under my name. They asked me to call their fraud department instead and provided me with their number. 

At XXXX XXXX same day, I called the fraud department number which was XXXX. The representative said they didn't see anything under my social security number and insisted that there were no other accounts. I provided her with the ApplicaitonID which was listed in the email, and she went back to look into it. Eventually, she said that this might be under applications department, not fraud department, and asked me to call them instead and provided me with their number. 

At XXXX XXXX the same day, I called the applications department. They asked if this was an authorized application and I told them it was not. She said she was sorry to hear and provided information that Experian had provided the credit report. 

I double checked on Experian Website to verify that I still had my credit freeze in place.
Consumer complaint received 2017-05-28
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)

report  XXXX  received Sat  XXXX / XXXX /   2017  remains incorrect. Some issues rectified others not.  XXXX  shows a negative when account is still in good standing and they CONFIRM balloon included in balance due. They continue to show a North Carolina  XXXX   XXXX  when we have never lived, conducted business or know of any relatives in North Carolina. There is a " State Legislative Freeze '' but no explanation and np mention of the security freeze? Attempts to reach them have come up empty! They do not allow a dispute! Numerous non authorized inquiries and they force you to notify some of them who made the inquiries before processing. They offer a free account but then they state it can not be processed. In my opinion they have serious reporting issues all of which create serious financial hardships and burdens for us as witnessed by the number of complaints posted and closed by you which are still unresolved.
Consumer complaint received 2022-10-17
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am AGAIN disputing your claim based on the fact that I have no knowledge whatsoever of any account or transaction between myself and this account and the account number you claim I have with you is familiar in the least. You provided me with no information as to the nature of this account, or any documentation that any such account exists. Moreover, I do not have a financial obligation to this company ; Company has not validated this account. Please delete the account below : Original creditor : XXXX
Consumer complaint received 2019-04-22
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

US Bank was running a branch promotion for {$200.00} based on opening a new checking account. The {$200.00} would be dispersed in increments of {$50.00} each month based on the requirement of spending {$50.00} with my debit card each month. I met those terms for all four months but was only paid for the first three. My spending on month four was done at the end of the month, but due to a delay caused by US Bank, the charge did not post on their end until the following month. The terms specify debit card use must take place during the qualifying month, but does not specify that the charge must post, on their end within that month. Therefore, I met the terms as were advertised though US Bank has refused to pay out the remaining {$50.00}.
Consumer complaint received 2018-02-23
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)

Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX Act. # XXXX which you claim is closed with a balance owed of {$1500.00}. This account was paid in full. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )  You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-17
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. (KY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX 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 2019-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I have been a Chase customer since the early 1990 's. I paid for protection for ATM fraud. Recently I was out of the country for 6 months for work and I had a slew of fraudulent ATM tradnsactions. I reported this to the police and they made an arrest. Still Chase won't reimburse the following ATM withdrawals. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX Now, this was only small portion of the fraud that I lost. I lost another {$40000.00} and I paid for ATM protection and Chase still won't refund my money. I have never had a problem in 30 years. Please help
Consumer complaint received 2022-07-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

AMERIHOME MORTGAGE ACCOUNT XXXX UNDER XXXX XXXX. DAIGNAULT, NEGLECTED TO PAY OUR FEMA FLOOD INSURANCE BILL ON TIME. THEY WROTE A CHECK FROM ESCROW, HELD IT FOR 15 DAYS, THEN SENT IT TO THE WRONG ADDRESS TO A TOTALLY DIFFERENT STATE FROM FROM THE INVOICE REMITTANCE INFORMATION. THIS CAUSED FEMA TO CANCEL OUR INSURANCE. THEN AMERIHOME SENT IT AGAIN TO A DIFFERENT ADDRESS BUT AT LEAST TO THE CORRECT CITY AND STATE. MY WIFE IN FACT SENT FEMA A PERSONAL CHECK TO TRY TO KEEP OUR INSURANCE ACTIVE AS WE HAVE FELT FOR THE PAST YEAR THAT AMERIHOME EMPLOYEES WERE INCOMPETENT. WE HAVE CALLED THEM REPEATEDLY AND EACH TIME THE CUSTOMER SERVICE PERSON COMPLAINED ABOUT THEIR COMPUTERS. WE BAGGED THEM TO TAKE CARE OF THE BILL AND WAS TOLD IT WAS THE INSURANCE DEPARTMENT'S ISSUED THAT THEY WOULD PASS ON THE CONCERN. WE FELT THIS NEVER HAPPENED. AND OF COURSE, WE WERE NOT ALLOWED TO SPEAK WITH THEM. NOW FEMA WANTS $XXXX  MORE TO KEEP OF SAME INSURANCE, WE FEEL AMERIHOME SHOULD PAY THE FEE. THE CHECK NEEDS TO BE IN FEMA'S HAND BEFORE XXXX XXXX XXXX  TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WE ALSO HAVE OTHER SITUATIONS WITH THEM BUT THIS IS THE MOST PRESSING. IF YOU NEED DOCUMENTATION, PLEASE LET ME WIFE KNOW AS SHE HANDLES THE ADMINSTRATION ISSUES OF OUR HOUSEHOLD. XXXX  AT XXXX XXXX.

THANK YOU FOR YOUR ASSISTANCE IN THIS MATTER.
Consumer complaint received 2017-05-28
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. (IN)

XXXX shows a address and name that is completely wrong. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived there at all! I suspect fraud. They also show a name as XXXX? That is not my name. Transunion is correct. Why is my XXXX score at XXXX and my transunion score at XXXX? How can there be that big of a difference? My correct information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ind XXXX I have worked at XXXX, XXXX XXXX, and now I work at XXXX XXXX XXXX XXXX XXXX XXXX. This is not that difficult, why ca n't these credit bureaus communicate and ensure that information is correct. I believe these credit bureaus have a responsibility to ensure that information is correct. Please have XXXX remove this fraudulent information. Thank you XXXX XXXX XXXX