davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-12
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. (MD)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-06-22
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. (ND)

I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have 2 credit card accounts on my Trans Union, XXXX and XXXX credit report that I did n't apply for and is unauthorized and fraudulent. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX
Consumer complaint received 2024-02-07
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-20
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. (CA)

My name is 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 account. 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 reportsno consent is fraud. Please delete this fraudulent account ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00}.
Consumer complaint received 2023-03-20
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2023-03-20
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. (OH)

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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Incorrect XXXX XXXX, incorrect name and address for my business on the credit report Correct information Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX : XXXX
Consumer complaint received 2019-05-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MO)

The topics you offered did not offer insight into my complaint/issue. 

I have a collection agency, who is collecting a debt. I have paid this organization, Cache, LLC now collecting as Resurgent Capital Services, on-time for more than 4 years. I owe as of XX/XX/XXXX - {$13000.00} The original balance was close to over {$19000.00}. 

In XXXX of XXXX they reported my debt as derogatory ( I was just made aware as of today- XX/XX/XXXX ) and after speaking to the organization they will not report any timely payments or any information until the balance is paid in full/settled. I have made payments with this organization, as I mentioned, for 4 years+. Why as of XX/XX/XXXX do they decide to report as derogatory 3 years later. What reason, would I now have, for even continuing my payments or settling my debt. I had already sustained the 7 year adverse credit reporting form XXXX XXXX/XXXX, who the original loan is with. Why are they now able to ding me for a derogatory rating for the loan they purchased and that I have been paying on and was already hit for 7 years on my credit. Again, how can a collection agency who is being paid on a loan timely, that took on, hit me for a derogatory rating, when they have been paid timely and I had already been adversely reported by the original lender ; This makes no sense. I was already derogatory with XXXX XXXX/XXXX. I was not derogatory with Cache, LL Resurgent Capital and XXXX XXXX was already on my Credit for over 7 years.
Consumer complaint received 2018-10-25
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. (TX)

XX/XX/2018 Pursuant to a dispute of the date of a Chapter XXXX bankruptcy filing, Trans Union declared the the information was verified an ( unnamed source ) verified the information.

Pursuant to FCRA, Section 609 a ( 2 ) I am requesting written proof of the verification of the Chapter XXXX bankruptcy, if this is not provided the bankruptcy must be deleted. Pursuant to FCRA this information must be provided within 15 calendar days, if Trans Union does not, it is a violation of the FCRA and the entry must be deleted.

Pursuant to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of the reinvestigation. I am requesting a written description of the procedure used to determine the accuracy and completeness of the information provided to TRANS UNION, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

It is without dispute FCRA requires the furnisher of the information must ( in this circumstance ) be directly from the UNITED STATES BANKRUPTCY COURT XXXX   DISTRICT OF FLORIDA, not a third-party agency to verify disputed information. 

Attached is the investigation results of the Trans Union report and a copy of this document. 

Regards, Mr. XXXX XXXX
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WY)

My account has been shut down numerous times and now permanetly and this has been going on for over 3 weeks. I need my money to pay my bills utilities etc Iam in my winter home out of the country and Cant even buy food. now they keep giving me excuse why they will not send me my money
Consumer complaint received 2024-02-07
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: Experian Information Solutions Inc. (DC)

In accordance with the Faith Credit Reporting. Everything has to be 100 % accurate in my report. The credit bureau stated that my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is inaccurate, among other things that has been highlighted and circled I have included. This is grounds for removal because it violates my rights. 

Under 1561 U. S.C. Section 602 A. States I have the right to pricacy.

1561 U. S. C. Section 604 section 2 states a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I set up a payment on my XXXX  account in the amount {$84.00} shown on my paper statement through my bank billpayer to be processed onXX/XX/XXXX. On XX/XX/XXXX another debit was processed on my bank account in the amount of {$54.00}, I had not made this payment.

Through calls to my bank and XXXX I discovered that XXXX made the second draw on my bank account " because you didn't owe that much '' said the XXXX  CSR. She said I would get a letter informing me that they had done this.

I made many calls and wrote letters to XXXX and XXXX protesting this mishandling/abuse of my bank account. I did finally get a letter from XXXX datedXX/XX/XXXXassuring me that " ONLY THE NEW ADJUSTED PAYMENT AMOUNT WAS DEDUCTED FROM YOUR BANK ACCOUNT ''. But this is not true as they had processed two debits to my bank account. This is gross mishandling and abuse of my bank information. I feel that I should be reimbursed the {$84.00}.
Consumer complaint received 2018-10-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

I have an account that was reported to my XXXX credit report by Midwest Recovery Systems in the amount of {$450.00} this account is owned by a debt buying company called cascade capital. It was originally reported by a company called XXXX XXXX XXXX XXXX in the amount of {$310.00} after I sent a debt validation letter to XXXX XXXX XXXX XXXX it was sent back to XXXX XXXX and was re assigned to Midwest Recovery Systems and reported to XXXX. I contacted Midwest Recovery Systems today XX/XX/XXXX about this alleged debt and spoke to a lady named XXXX XXXX who tried to offer me a pay for delete for this alleged debt I informed her that I have been a victim of identity theft and trying to verify these debts on my credit report once she realized was not interested in paying this debt she became rude saying I don't care what you do ill note your account as a refusal to pay and blew me off after she realized I had no intention of paying. This account is was past the statue of limitations in the State of Texas and I just wanted info I do not think it is right for whenever you try to validate a debt instead of doing so the debt is moved around.
Consumer complaint received 2018-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America was presented with a Court Order in the name of a Company other then the company name on our company bank account. The name of the company on the Court Order was similar to the company name on our bank account and the address is the same location as ours - which is a shared executive office space, there are hundreds of companies in this location. Bank of America did not request, receive or verify a Tax ID number for the company on the Court Order nor any ownership SSN or TAX ID information that matched the company information on our account or any of our owners. Instead Bank of America removed {$46000.00} and {$6800.00} from 2 of our company accounts on XX/XX/2018. When contacting Bank of America they continue to provided the case number for the matter on the court order, we logged in and verified that the court order was not in our company name, and when informing Bank of America of this, instructed us to call the attorney who presented the Court Order. They have also admitted and verified that they do not have any Tax ID or SSN information to verify the Court Order. Bank of America does not allow customers to speak to their legal department thus I went to our Branch and they had to simply call the legal department who told them the same thing. When asked to see Bank of America 's policy for verification of these types of court orders and the processing policies Bank of America refused to provide any information. These actions should have everyone concerned about their bank accounts with Bank of America - they are not safe when anyone can send a order in some other name to the bank and the bank gives them {$51000.00}. Attaching both the Court Order and a clip of our Bank of American Account statement for XXXX.
Consumer complaint received 2022-06-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (FL)

Receivables Performance Management XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX I XXXX XXXX a federally protected Consumer to Receivables Performance Management your company has continued to call my phone several times each day demanding me to provide my personal information over the phone without telling me who you are and who sent you to harass me, threaten me, abuse me, and coerce me into whatever your company wants me to do. I am not sure how this company retained any of my personal information and I fear this may be an AGGRAVATED IDENTITY THEFT case. I have been afraid to answer my phone for fear of Receivables Performance Management 's continued harassment. I have been so afraid to answer my phone to the point of having XXXX, fear, and headaches. I must let my family members answer my phone since Receivables Performance Management has started harassing me. MY FAMILY AND I HAVE BLOCKED SEVERAL NUMBERS FROM Receivables Performance Management. Each of the numbers listed here is ( ( XXXX ) ) ( ( XXXX ) ) ( ( XXXX ) ) from Receivables Performance Management after I block each number they call back to back all day from different numbers. MY FAMILY WAS ABLE TO RECORD SOME OF THE CALLS I do not owe Receivables Performance Management. I never had any contracts/master agreement/ bill of sale/ assignment/ terms and conditions/promissory note/ no bindings to pay any debts to/with Receivables Performance Management. If Receivables Performance Management is buying paper in an attempt to collect debts from XXXXonsumers I have no part in that. Cease all communication with me, my family, my friends, and all Consumer Reporting Agencies as soon as possible. Otherwise, I will consider this aggregated Identify Theft as I never gave my written permission for your agency to have my personal information, sell, transfer, or publish any of my personal information, transactions, or experiences. I am requesting {$3500.00} for each call and emotional damages. I feel this is a fair amount outside of placing a lien and filing suit this amount would be much greater.

Damages for emotional distress from relentless calls have caused me XXXX, and fear, and have affected my overall well-being incredible invasion of privacy. 

TELEPHONE CONSUMER PROTECTION LAW $ XXXX {$1500.00} per call 1692 d Any conduct the natural consequence of which is to harass, oppress, or abuse any person 1692 c ( a ) ( 3 ) At the place of employment when knows that the employer prohibits such communications 1692 d ( 5 ) Caused the phone to ring or engaged any person in telephone conversations repeatedly 1692 d ( 6 ) Placed telephone calls without disclosing his/her identity? 
I AM REQUESTING MONETARY RELIEF FROM Receivables Performance Management FOR THE ISSUES/VIOLATIONS CAUSED IN MY COMPLAINT. Any damages I sustained are recoverable under the law. Receivables Performance Management has violated ( ( FCRA ) ) ( ( FDCPA ) ) ( ( FCCPA ) ) I HAVE ATTACHED MY FTC REPORT
Consumer complaint received 2017-06-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (TX)

Because of relocation, I have to leave college for a couple of months, so I contacted my Lender Great Lakes to inform them about the situation. Since, I experience a dramatic reduction on my income, I express my interest about the Income Driven payment plan. At first, the representative mentioned several disadvantages about the program and implied that the income driven plans was not a good option. However, I made up my mind before I called them, so I reinstate my choice with the representative. He asked me some couple questions about my income and current employer and asked me to filled up and application, which have to include my last pay stub and Great Lakes application. I filled out the whole application and attach my most recent pay stub. Then, 15 days latter I got an email requesting a pay stub with my gross income, name, and social security as well. It is not company in the US that is going to reveal the entire social security number on a pay stub. Yet, it is a liability to reveal such a important information on a document, which is only for tax and verification purposes. At this time, I can not afford the regular payments, but Great Lakes do n't understand how the real world works. It seems like their main goal is to push borrowers into loan default. I called them already several times in order to resolve the situation. However, representatives over the phone do n't have any clue about a possible solution, nor it impossible to have a loan specialist called back.Indeed, these are illegal practices towards students.
Consumer complaint received 2017-06-22
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. (LA)

I disputed a company with all XXXX major credit bureaus. One particular company XXXX XXXX was disputed and came back verified with all XXXX bureaus. I contacted the BBB about this account that I have no knowledge of and the results came back they they were unable to obtain documentation to validate the debt. The BBB obtained a statement directly from XXXX XXXX XXXX XXXX. I would like to know how these Bureaus validate and verify this information. On XXXX/XXXX/17 XXXX verified as my debt, but on XXXX/XXXX/17, I received the message from the BBB in regards to this company. I think it 's unfair that the Bureaus can slap unverifiable information on consumer reports and not even attemp to rectify the issue. I had to write multiple letters and make multiple complaints to prove this debt was n't mine. I want this item removed from each of my reports from each of the bureaus immediately. I want all negative and collection items on each of the reports, from each bureau validated with documents that they have recorded and retained in their files. I also want to know if there is any further action I can take. This is the second time that I have had to hunt down information that is placed inaccurately on my reports that has been reported as verified. I have included a file of the letter from the BBB as well as the XXXX  response of verified. Please help me on this matter.