davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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. (MN)

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX & Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX XXXXXXXX is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXXXXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, XXXX is aware and has proof in attachment labeled as exhibit A thaXXXX XXXX XXXX XXXX XXXXXXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX  XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Consumer complaint received 2021-09-24
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The 3 Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2019-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BB&T CORPORATION (FL)

I attempted to set up a checking and savings account on line and was directed to a local branch to complete the process. The branch manager told me that they couldnt establish the accounts because of some derogatory information about me in some system they use. She mentioned XXXX XXXX and XXXX XXXX XXXX. She further mentioned that on XX/XX/XXXX they were instructed to delete that information but refuse to do so. I asked for specifics and was told that could not be provided. I then called the 800 number and was told by them that I was declined because I have a fraud alert I placed on my SSN. This was never mentioned in the branch.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The above three accounts ( XXXX, XXXX XXXX, and XXXX ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old. 
These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!
Consumer complaint received 2016-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LOBEL FINANCIAL CORPORATION (CA)

I, ve contacted Lobel Financial about this debt to remove from my Credit report. Car was repoed, and later found out that the company that i received the car from license was suspended from the XXXX, therefore they should not have been able to sell the car to me in the first place. Company is in current Lawsuits to recover the deposits paid on the cars they sold. Lobel approved a loan of a car whose license was suspended by the XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX  XXXX  Account No - XXXX XXXX. XXXX XXXX- {$900.00} XXXX. Last XXXX XX/XX/XXXX XXXX. Account XXXX XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

A false collection from XXXX XXXX XXXX XXXX appeared on my credit reports on XX/XX/XXXX affecting my score during my home buying process. I never received notice from the debt collector and the final judgment was made in court stating I owe {$890.00} to XXXX XXXX XXXX in XX/XX/XXXX without me being responsible for fees and lawyers. This was after I was in my new home. I was not able to contest because they sent it to my old address and I paid my rent to the lady XXXX XXXX who took my money and said I didnt pay my last month rent. I found this out and called and a woman picked up the phone and said she doesnt work there. The property was cleared out and cleaned and I was out XX/XX/XXXX into my new place. The reason I moved is because they would not fix the plumbing so I call home code enforcement to come out and they did bare minimum to pass inspection and the plumbing was bad so after inspection XXXX started to come up in the tub and that is not sanitary. They refused to fix it so I let the lady know that on XX/XX/XXXX that I will not renew my lease and I will be out by XXXX. XXXX came I received a call from XXXX XXXX she said that their machine was down and she is collecting her tenants payments in cash to meet her by XXXX because she is on the way to another tenants home. I paid and she gave me a receipt. My debt was sold to a collector XXXX XXXX and its reporting I owe {$5200.00} to the rental company. I disputed this and provided court documents to the credit bureaus and it came back accurate which it is not by the legal documents I have. The credit bureaus is reporting inaccurate information.
Consumer complaint received 2024-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (AZ)

Accident happened in XX/XX/year>, and other party is at fault, Insurance company name XXXX XXXX, Claim # XXXX XXXX to XXXX I went to see doctor at XXXX XXXX XXXX - XXXX called and left me a message XXXX they received a XXXX  bill from XXXX XXXX for {$2600.00} at {$8000.00} pending for the treatment and they may possibly deny this XXXX  for no mechanism for injury per damage. I then notified the doctor and office at XXXX XXXX about a message from XXXX and they told me they are going to contact XXXX and take care of it in the meantime. The office still scheduled me to see doctor for next couple weeks and released me after that with no finance or medical bill responsibility. 
XXXX - This was more than XXXX years since my last visit there. XXXX XXXX contacted me by XXXX  with XXXX attachment that I owed them {$3700.00} which I have never been notified about. I then called XXXX to find out why a XXXX XXXX was not paid and the insurance company declined my claim since the case has been past XXXX  years and closed. So it is fully the XXXX XXXX 's error that they did not notify me within XXXX years that they could not get the money from the insurance company and while the claim was still disputable. 
XXXX - On this day, I received the XXXX XXXX letter from IC System with the amount of {$3700.00}. I called the IC System and asked if they could provide me any documents that I signed with my financial responsibility, but they declined to do so. They told me I had to pay for it myself, if I received the treatment. Since it was not my fault, XXXX should have paid for it. XXXX XXXX should have contacted me XXXX months after my treatment, so I can work with XXXX to XXXX them paid, but they did not contact me at all after XXXX years. In conclusion, XXXX XXXX did not do their job, and therefore, it is their responsibility to offset the cost and remove the amount of {$3700.00} posted in my credit bureau report
Consumer complaint received 2022-12-01
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX, XXXX, XXXX, XXXX ( Original Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$99.00} ; XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} ; XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$92.00} ; XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance {$210.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$650.00} ; XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$300.00} ; XXXX XXXX XXXX XXXXXXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$210.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$68.00} ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney.SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-07-05
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)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2022-10-07
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. (NY)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00} and XXXX  XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}.
Consumer complaint received 2017-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (GA)

On XX/XX/XXXX, I received a credit monitoring alert that " American Medical Coll '' had posted a collection to my XXXX XXXX credit report. I called the number listed on my credit report but was unable to reach anyone to verify this debt. 

The presence of this account on my credit report is false and misleading. I would like it removed.
Consumer complaint received 2019-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Services Corporation, LLC (NY)

I Took a {$7500.00} loan in my name from Health Credit Services XX/XX/XXXX for dental work to be done for my husband by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Loan was for completion and balances that were originally began XX/XX/XXXX. The dental work agreement for services was never completed. the agreement was XXXX XXXX, 4-6 XXXX to replace XXXX XXXX, extraction of XXXX # 15, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   # 2- # 14, XXXX XXXX, 2-3 XXXX XXXX XXXX to replace XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX. Total amount balance at time XX/XX/XXXX XXXX was {$15000.00} of which cash of {$7500.00} was paid. On XX/XX/XXXX I took the above loan to pay the difference. The only work that was done through out 5 years was 6 XXXX  to replace XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # 15, 2 XXXX XXXX XXXX XXXX to replace XXXX XXXX My husband is walking around with XXXX XXXX XXXX XXXX, which continuesly fall off and parts have broken because they were to be temporary. He risks infections and XXXX XXXX plus he is not able to chew food properly and is having XXXX XXXX XXXX and XXXX. The dental office was closed XX/XX/XXXX by XXXX XXXX for non payment of rent. Loan payments are still being withdrawn from my bank account for services not rendered. I have spoken to Health Credit Services and they have agreed that XXXX XXXX XXXX is an associate and I also have sent a Dispute Resolution Liability Form to Health Credit Services on XX/XX/XXXX. I have no response from HCS. I've called several times to check updates, to be told that they don't have information for me.
Consumer complaint received 2015-11-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION (GA)

CACH violated FDCPA 1692-I by filing in the wrong jurisdiction which was XXXX XXXX, GA case on XX/XX/XXXX and dismissed on XX/XX/XXXX while the case was being held in XXXX XXXX GA as of XX/XX/XXXX under. case. It was time barred from giving the chain of custody given to validate party in interest under case in XX/XX/XXXX. FDCPA 1692F -K the frequency and irresponsibility of follow Federal debt collection guidelines in XXXX different incidents when it had opportunity to product the documents to validate it as party in interest it failed to do so from XX/XX/XXXX-XX/XX/XXXX showing persistence and determination to continue violations of FDCPA 1692. The unfair debt collection practices violating FDCPA 1692F to " ambushed '' and surprised the Defendant with a redacted bill of sale and affidavit of the debt 2 years after it was requested since the original filing case # by was unconscionable since they failed to produce copies on XX/XX/XXXX the bill of sale and affidavit from XXXX XXXX to Defendant.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (OH)

During the late morning of XX/XX/2022, I attempted to login online to my CHASE FREEDOM credit card account. Four times I clicked " send me a code ''. Not only four times, but six times, Chase telephoned me- each time with a recording stating that " this is not a valid entry. Goodbye. However, I did not have a chance to enter anything, all I did was say hello. But, while doing so, the XXXX DESIGNED AI spewed about not being an entry and hung up. Clearly, J. P. Morgan Chase Bank has a malfunctioning online IT system. Moreover, starting at the top with billionaire XXXX XXXX XXXX XXXX XXXX, there is no accountability, no responsibility to the consuming public.
Consumer complaint received 2022-01-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-12-15
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. (MO)

I previously disputed these inaccurate accounts below and Transunion and XXXX to be specific keep sending me and my husband computer generated stall letters which i will attach basically stating they will not investigate my disputes because they assume i didn't authorize these disputes which is false and preventing housing and job opportunities for me and my family which is damaging on so many levels which is negligent and noncompliance with the Fair Credit Reporting Act ( FCRA ). I have XXXX of the same account reporting on my XXXX with no name attached which is completely inaccurate in itself. Under 15 U.S. code 1681 ( e ) ( b ) and U.S code 1681 ( i ) these accounts are in violation and not reporting 100 percent accurate. Under 15 U.S code 1666 ( b ) Billing error i always paid as agreed and never late. 

Accounts Being Disputed : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
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: Central Portfolio Control Inc. (NC)

Pursuant to 18USC 8, i owes no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681 ( b ) 2. Company has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.