davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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. (GA)

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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 2024-06-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastern Account Systems of Connecticut, Inc. (GA)

Now Eastern is saying the amount is a typo amount of {$230.00} I was told this on a recorded line on XX/XX/XXXX from Easterns rep, also send me the original signed document from XXXX of the balance that needed to be paid by the insurance company at the time of service, in which the wrong code was provided by XXXX. Can Eastern provide the recorded phone conversation from XX/XX/XXXX
Consumer complaint received 2019-04-09
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. (MD)

I contacted Experian regarding changing the phone number on my fraud alert. XX/XX/XXXX at XXXX EST. The representative was very rude and malicious not to mention lacked professional courtesy and was out of touch with Experian practices. He proceeded to tell me I needed to fax and upload documents to change my phone number and that I was looking at incorrect information on ANOTHER companies site regarding calling to change my fraud alert information. He asked for my social and then proceeded to hang up on me. They will also not allow me to remove an incorrect name is address because another company is reporting that. I have documentation showing my identity was stolen XX/XX/XXXX. The attached clearly shows their guidance from Experian.
Consumer complaint received 2019-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TN)

On XX/XX/XXXX ... Procollect Inc placed a debt from XXXX XXXX XXXX for {$6700.00}. 
XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX. 

I have called them repeatedly and requested proof of this debt because I left the apartments in XXXX, the property manger refused to complete a walk through to verify the 2-bedroom apartment was left in great condition. Now in XXXX, the rudest collection agency is harrassing me over a debt I never knew I had. I visited a non profit credit counseling agency to get help with this company and refused to talk to the authorized 3rd party advocate. They are bullying me for this debt that they refuse to verify. 

Why do I owe {$6700.00}? Why is this on my credit report and why wont they send me proof? This collection agency does not have a license to do business in the state of TN and Im reaching out because I can't seem to get anywhere with them.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

EXPERIAN IS SHOWING TWO DIFFERENT CREDIT REPORTS FOR MYSELF- ONE UNDER THE LAST NAME OF XXXX AND THE CORRECT ONE FOR XXXX XXXX. I HAVE REACHED OUT SEVERAL TIMES WITH MY ATTORNEY TO CLEAN UP THIS AND MOVE FORWARD. THEY ARE STILL SHOWING XXXX AND ALLOWING A XXXX CREDIT REPORT TO BE PULLED WITH INCORRECT ACCOUNTS, BALANCES, NAMES, LOCATIONS, ETC. 
THIS IS NOW GOING ON 6 YEARS I HAVE ASKED THEM TO CONSOLIDATE AND CLEAN UP MY REPORTS.
Consumer complaint received 2020-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I contacted Transunion credit bureau regarding unknown inquiries on my credit report. Customer service representative would not assist with the matter. 
XXXX XXXX XXXX XXXX ... XXXX XX/XX/2020 XXXX XXXX   XXXX XXXX XX/XX/2020 XXXX
Consumer complaint received 2019-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (PA)

I recently had a very unpleasant experience with Chase bank when opening a checking account. 

I received a letter from Chase inviting me to open a Sapphire checking account with them, it offers XXXX rewards points if I open the account and transfer {$75000.00} within 45 calendar days. 

So I opened the account online on XX/XX/XXXX and started transferring money from other bank accounts to this account on XX/XX/XXXX. 

Couple of days later when I checked the status, I was surprised to find that my account was locked. What's more, my online access was suspended, which involved all my Chase credit cards as well ( I could still use the cards, but lost online access ). I haven't received any communication whatsoever from Chase, so I called the bank to find out why. They didn't offer any specifics but asked me to get into a branch. There's no branch in my vicinity, so I asked my husband to visit a branch that's close to his office. 

My husband visited a branch on Friday XX/XX/XXXX. Again the branch personnel offered no specifics but asked me to show up in person at the branch. 

Later the same day I received a letter from Chase, asking me to visit local branch and mentioned the account may be closed if I do not. 

I'd like to keep the account open, so Monday XX/XX/XXXX, the next business day after I received the letter, I took time off work and visited Chase branch in XXXX. Upon arrival I was told that my account was already closed and they couldn't do anything about it. 

I was told that this happened because I didn't initiate money transfer within 10 days of account opening, however the offer letter stated clearly that the transfer period was 45 days. 

So in the end I wasted a lot of time just to get a closed account. The lack of communication and service from Chase bank is rather astonishing to say the least.
Consumer complaint received 2019-05-24
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. (WA)

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 and 6 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-04-10
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)

XXXX XXXX XXXX Account Number : XXXX - Delete account for inaccuracy ; XXXX and XXXX already removed this account. but XXXX still reported I was late in XXXX of XXXXIn accordance to 15 U.S. Code 1692e ( 6 ) this is a clear violation.
Consumer complaint received 2023-04-10
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. (SC)

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 2019-05-24
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. (GA)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account numbers XXXX. ( Please see pages 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-24
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. (AL)

This account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-04-10
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-05-24
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. (AL)

i have no financial obligation to this company and because I never signed for this accounT, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX  XXXX, XXXX/XXXX  XXXX
Consumer complaint received 2024-06-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Finmax Smart Capital LLC (AZ)

I have repeatedly requested this company cease contacting me via phone, text, email, calls to family, friends, my place of employment, automated phone calls from them to any of these entities, etc. I have made clear my request and that they ONLY contact me through mail and have verified my mailing address with several times. Since the previous complaint I filed with you on XX/XX/XXXX I have received 2 calls on my cell phone and spoken to someone who identified themselves as a manager when they called me at my place of employment on XX/XX/XXXX. She assured the calls would stop immediately. I am still receiving calls from this company as of yesterday, XX/XX/XXXX at XXXX PST on my cell phone.
Consumer complaint received 2023-04-10
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)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2019-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Universal Account Servicing, LLC (TX)

Hello, This communication is to file a complaint against of Universal Account Servicing , LLC debit collector who charged my debit card for 6 consecutive months in amount of {$66.00} ( total charge {$400.00} ) since XX/XX/XXXX till XX/XX/XXXX. 
Reason for a complain is to refund all charges back to XXXX XXXX due to Vendor ( XXXX XXXX XXXX XXXX XXXX XXXX has never provided services to me, closed my account and their business. 
I am attaching my account summary that is showing monthly charge on the account in addition to account #, holder name, business address with their contact information. 
I will greatly appreciate if you can help me to resolve this issue and to have Universal Account Servicing , LLC to refund all charges back to me as I never received serviced that I was charged for. 

Complaint against of : Universal Account Servicing , LLC XXXX XXXX XXXX XXXX  XXXX, MO XXXX Account # XXXX  Case # XXXX XXXX Phone : XXXX Manager name : XXXX Claimer information : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Unit XXXX XXXX, TX XXXX Claim amount : {$400.00} Thank you for your time and assistance! 

XXXX XXXX XXXX
Consumer complaint received 2019-09-03
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. (MO)

Equifax and al debt listed on accounts XXXX XXXX XXXX XXXXXXXX   XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very XXXX out because I just found in my credit report strange accounts and inquiries. The point is that these items are not related to my transactions or any other activities. I do not know them an I see them first time in my life. Could you please figure put what is that and why I have unknow items in my report. When you do so, please delete them.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BRite Financial Services, Inc. (OH)

I have been battling this issue for a whole year now and finally decided to just pay it off. On XX/XX/2018 I sent a letter to the credit to settle this account in the amount of {$140.00} with the following terms : All negative information relating to this debt must be removed from my credit report from all three credit bureaus ( i.e. charge-off, late payments ). 
You will not list this debt as a settled account, but paid in full and closed with no balance due. 
Your company will accept this payment to satisfy the debt IN FULL. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to any outside third parties. 
On XX/XX/2018 ; the creditor responded with a counter offer of {$200.00} to be paid by XX/XX/18. On XX/XX/18 I paid the money order in the amount of {$200.00} and again sent the terms that were on the original note and added " In addition cashing of the money order is an agreement of the above terms. '' I never received a response but on XX/XX/18 the money order was cashed. When I checked my email a few days later, I noticed an email from the account manager on XX/XX/18 stating the following " unless you email me a signed letter that you are willing to agree to everything else but the first request, I will have the payment department return your money order. '' Well the money order was cashed and although I understand it has not been 90 days, the creditor has flagged the account as settled and all other terms that were listed in the letter were violated. They received payment, the money order was cashed and I still have negative remarks on my account. 
***SEE ATTACHED DOCUMENTS***
Consumer complaint received 2019-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

I have already reported this to the XXXX XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX Georgia Office ( Case Number : XXXX ) towards XXXX XXXX XXXX XXXX. This is a business scam and I want this completely taken off of my records. 

I was promised by 4 different live chat customer service agents of XXXX XXXX XXXX that when my equipment was returned that I would receive a credit back on my account for {$1000.00}. This would bring my balance to {$0.00}. I had successfully returned the equipment and after A YEAR of patiently waiting for my credit ti is still going through collection agencies. This is unacceptable and feels like a complete scam. Now no one at the company can give me any response now and I am getting the runaround. I have been transferred from department to department and hung up on. 

I would appreciate your assists on this as I feel that since I canceled my service with XXXX XXXX XXXX this is their way of retaliating back. I was a great customer for many years and would appreciate them doing business the right way and not scam their loyal customers.
Consumer complaint received 2019-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

An account with XXXX was opened under my name and social security account for an amount of {$15000.00} in XXXX XXXX and I identified the identity theft in XX/XX/XXXX. 
My identity was stolen and this account was opened. XXXX ( XXXX ) has since charged off and CACH LLC purchased the account from XXXX. I have been summoned to court and attempting to clear this account from my name, since I never applied for such an accounts. Currently the XXXX XXXX XXXX Law firm is from XXXX XXXX LA is the current debt collector and has taken me to court. 
I am currently in the process of waiting for an official letter from The U.S. Office of Personnel Management ( OPM ) and the U.S. Department of Defense ( DoD ) since my data was included in a e cyber incident involving background investigations. I have been given access to My ID experts for credit monitoring.

I ask that this be cleared from all 3 of my credit reports.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Volvo Car Financial Services U.S., LLC (IL)

XXXX XX/XX/19 To whom it may concern, Please investigate the following account for the following reason : Volvo Financial Services, Derogatory Mark - I paid on time but I'm being listed as 90 days late - It needs to update to paid as agreed Thank you -
Consumer complaint received 2018-06-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

These people have put a very old debt on my credit report that's twice the amount of what it was when it was charged off years and years ago. I am no longer responsible for the old debt at the original amount. They send me letters saying they will sue me, they call me and bother me, and they keep adding more interest to this " debt '' they think I owe. Right now it's at {$2400.00} and it keeps climbing. They are deliberately damaging my credit, which made it very hard for me to buy a car last month. I had gotten my score to the 700 's finally, and they brought me down to the 500 's with their despicable actions. I disputed this debt once, it was removed, and they added it back on and added more money to the balance. These people are crooks who damage your credit ; I read all about how they went after people in LA with fake medical bills and they have been sued many times by others. If they do not remove this debt on my credit reports ASAP, I will be hiring an attorney to sue them as well. XXXX my words, XXXX XXXX XXXX.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XX/XX/XXXX XXXX