davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

transunion removed a closed account early XXXX ( or late XXXX ), within a montb they put the information back on without sending letter within 5 days per the fcra 611 ( a ) ( 5 ) ( b )! they account was closed/removed now its back on showing open. i was never notified of these changes per the law states
Consumer complaint received 2021-12-10
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. (CT)

In late XX/XX/2021, i Received a letter dated XX/XX/2021 from XXXX XXXX Claiming to represent XXXX XXXX XXXX XXXX. 
The letter alleged a debt which i do not owe. 
This collector is fraudulently attempting to collect debt I don't know by using coercive tactics. 
XXXX XXXX XXXX has reported the debt to the XXXX major credit bureaus without giving me an opportunity to respond within 30 days. 
As i file this complaint the 30 day period which is required by the law for me to respond to the letter has still not elapsed yet. 
i have already sent a letter of dispute to XXXX XXXX XXXX XXXX, Transunion and XXXX and attached copies to this complaint. 
XXXX has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

Transunion has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

Both Transunion and XXXX are in gross violation of my rights as they have continually done in the past.
Consumer complaint received 2019-08-06
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. (TX)

Well i file several complaints on XXXX credit bureaus and they blocked my account where i can only log in and cant dispute or look at my credit report I HAVE MAJOR HEALTH ISSUES INCLUDING XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX AND XXXX ISSUES THIS WHAT I DONT NEED THEM STRESSING ME OUT ABOUT MY CREDIT THAT I DIDNT MAKE I SENT THEM CERFT MAIL WITH A RETURN SIGNATURES AND THEY RETURN ONE WITH OUT A SIGNATURE THEY ARE FAILING TO FIX WHAT I DISPUTE WHAT SO HARD ABOUT TELL THESE COMPANY WHERE IS MY SIGNATURE WHERE I SIGN MY NAME AND GAVE THEM APPROVE TO OPEN THESE ACCOUNT THE CEO OF XXXX  NEED TO BE SUITED AND I WILL FILE A LAW SUIT
Consumer complaint received 2021-12-10
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. (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX XXXX XXXX PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2021-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (NV)

I am moved into a home rented by XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX XXXX during XXXX. The tactic of this company is to use tenants to pay rent while the home is for sale. Once the lease is signed both management companies become unresponsive and ignore blatant code violations in the home. Ive put down an {$1800.00} deposit originally but was charged almost {$2200.00} for damages much of which was normal wear and tear. We forfeited the deposit of {$1800.00} and were charged an additional {$420.00}. We disputed this with XXXX and the charges were removed. Now in XX/XX/XXXX I am in collections for that same amount and the company Allied collections is refusing to remove the debt. Per yelp reviews of XXXX I believe this collection company is affiliated with the XXXX XXXX XXXX and this is a scam they run on people. Its been XXXX years since we lived there.
Consumer complaint received 2015-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Kimball, Tirey & St. John LLP (CA)

The apartment manager refused to do the walk-thru inspection of the apartment. He than said he was charging for new paint, New carpet and new tile. Then he turned the illegal debt to an attorney who called me on XX/XX/2015 at XXXX when I told him I filed a lawsuit against the manager and not to contact me. He sent papers that he was pursuing the illegal debt.
Consumer complaint received 2022-03-27
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 — Problem with personal statement of dispute
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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose This issue was not only NOT resolved but there was no evidence of a thorough investigation as well as credible references. This company is extremely untrustworthy. They have over XXXX disputes against them.
Consumer complaint received 2021-12-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (TN)

GLA Collections and XXXX is violating my right to a fair and accurate credit report. I have filed dispute after dispute and have requested numerous times that GLA collections validate the debts they all reporting to XXXX and any other credit reporting agency, but have failed to get any response other than refusal to validate the debts they are reporting. GLA is reporting a total of XXXX debts of which some appear to be repeating to XXXX. I have requested by letter and phone that GLA Collections provide the name of the original creditor, and proof that the collection agency is licensed to collect in the state of Kentucky. I have also requested that they provide a breakdown of any charges and fees as well as to provide a copy of my signature with the provider of service to release my medical information to them. All my request and efforts have fallen on deaf ears by both GLA collections and XXXX. As stated to GLA Collections this is not a refusal to pay any debt I owe, but I am unaware of these debts and require validation for anything stated I owe.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (FL)

SUBJECT : Follow-on Complaint to CFPB Complaint # XXXX. 
# XXXX was closed in error, in consideration of BMO Alto 's failure to release all Funds owed to Customer. 
COMPANY : BMO Alto, a trademark of BMO Bank N.A., XXXX, XXXX ACCOUNT TYPE : Savings, toward opening a CD XXXX : BMO Alto refused to release information to Customer. Customer has demanded, but to-date BMO Alto has failed to : 1/ Immediately transfer the total of all interest earned by Consumer 's funds to Consumer 's Institution of-origin : " All in Credit Union '' 2/ Provide e-Mail notice to Consumer of the amount of interest earned by Consumer 's funds per IRS requirements : -- During XXXX XXXX During XXXX 3/ Notify Consumer, within a timely manner, that Consumer 's BMO Alto account ( s ) is/are finally Closed.

4/ Provide correct information in its response to Consumer 's original Complaint # XXXX. 
5/ Return {$31.00} Fee the Company removed from Consumer 's attempted Wire transfer funds, then Company denied -- toward returning {$31.00} to the originating Institution.

Thank you for your continued interest toward amicable, final Resolution.
Consumer complaint received 2019-08-06
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: Experian Information Solutions Inc. (TX)

Well i file several complaints on experian credit bureaus and they blocked my account where i can only log in and cant dispute or look at my credit report I HAVE MAJOR HEALTH ISSUES INCLUDING XXXX XXXX XXXX AND XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXX THIS WHAT I DONT NEED THEM STRESSING ME OUT ABOUT MY CREDIT THAT I DIDNT MAKE I SENT THEM CERFT MAIL WITH A RETURN SIGNATURES AND THEY RETURN ONE WITH OUT A SIGNATURE THEY ARE FAILING TO FIX WHAT I DISPUTE WHAT SO HARD ABOUT TELL THESE COMPANY WHERE IS MY SIGNATURE WHERE I SIGN MY NAME AND GAVE THEM APPROVE TO OPEN THESE ACCOUNT THE CEO OF EXPERIAN NEED TO BE SUITED AND I WILL FILE A LAW SUIT
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (MN)

On XX/XX/ I redeemed XXXX points for NFL merchandise Comenity Capitol Bank Visa deducted the points but I did not receive my merchandise. I called numerous times, talked to supervisors and filed a dispute but nothing was resolved. In XXXX I tried deducting XXXX  more points for merchandise and again the company took my points but did not give me my reward. I filed complaints, talked to supervisors but again nothing was resolved.
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (LA)

I received a subpoena from Midland Credit XXXX XXXX in 2021. I cant remember the date of subpoena because it was destroyed in Hurricane Ida. It took me a days and phone calls to figure out what the debt was from. I told them I was not able to pay after not being able to work XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They refused any option of a payment plan. I sent a written reply to courthouse every time I received a letter because I did not know what else to do. On XX/XX/XXXX Hurricane Ida damaged my home and I am now XXXX in Florida XXXX XXXX XXXX. I called XXXX XXXX XX/XX/2021 to let them know I was XXXX in Florida and I was not able to write responses to courthouse because I cant get mail if they sent it to that address. I asked the guy on phone what will happen and he said if I dont pay I can go to jail so I asked him if I could make payment arrangements with him for monthly payments and he said his office is no longer on this case it was moved to another firm out of state. He did not give me a name for who was handing the case but he said XXXX was no longer handling it. Now I find out he lied about that, they are still the ones handling it. Also the XXXX number that was given on a letter to resolve is not a working number. I will have to send in paperwork on a later date. I am in XXXX XXXX XXXX Florida and my was is gutted paperwork was ruined with water from storm so it will be a while before I can locate any paperwork. The company hangs up phone on me when I call.
Consumer complaint received 2022-12-16
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. (TX)

FCRA Violation: address not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: credit card never late
XXXX XXXX  
FCRA Violation: hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (KY)

They are harassing me and talking to me really out of order. You can't try to work with someone with their payments and talk to them crazy. Not good customer service. When I mentioned this to the guy he stated that he wasn't customer service. So, what category does your job description fall under? because when you define customer service they Cashiers, salespeople, management and billing departments are examples of customer service jobs in a retail setting. The hospitality industry is similarly reliant on customer service employees to maintain their reputation. This obviously a billing department because they are calling about a payment towards a bill. I tired to tell them that I was on XXXX  leave and this is why I wasn't able to make the last 4 payments. I had advice them all my credit cards were being consolidated by an company and they would be reaching out to them and would be making the payment as soon as I was back on my feet from being on XXXX  leave. I am single mother trying to handle everything properly. They have threaten me with police and attorneys. They called me today talking about they have been calling me 19 times ; today was the first time since XX/XX/2019 so, if they have been reaching out they had the incorrect number. You cant be willing to working with someone and threating them with a third party etc. And wouldn't even explain to me who the third party was after I asked. This situation should be handled in a different manner from Comenity bank none of my other credit card companies talk to me like the way they do. They are very disrespectful!!!!! A lot things go through my head are they talking to me like due to my race!? are they talking to everyone like this!? It's just out of order to me when I never get nasty with them.
Consumer complaint received 2021-08-25
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: Experian Information Solutions Inc. (MA)

I GOT LAID OFF DUE TO XXXX  AND XXXX XXXX XXXX. I WAS UNABLE TO MAKE MINIMUM PAYMENTS FOR XXXX AND XXXX OF XXXX DUE TO UNEMPLOYMENT TAKING MONTHS. I HAVE NOW PAID THE PAST DUE BALANCE AND WILL CONTINUTE ON WITH MY REGULAR PAYMENTS OFF OF THE ACCOUNT. I HAVE NEVER HAD A MISSED PAYMENT SINCE XXXX. THE NEGATIVE REPORTING IS DRASTICALLY AFFECTING MY CREDIT PROFILE.
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX, my account was debit {$750.00} that was immediately taken out my balance, and put in pending transactions. On or around XX/XX/XXXX, the transaction posted to my account. On XX/XX/XXXX, TD Bank took an additional {$750.00} out of my available balance, then posted the same transaction as being posted on XX/XX/XXXX. There is no record of what happened. I am owed {$750.00}. I'm told that I need to dispute the transaction. The issue is the fact that the bank took it out of my available on XX/XX/XXXX, then took it out again on XX/XX/XXXX. The {$750.00} was never put back in to be taken back out. I'm out of money owed
Consumer complaint received 2023-08-19
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. (NY)

Transunion doesn't hold a contract with me to report anything on my Estate or corporational being so there operation against me for starter are fraudulent and those of identity theft aside from this problem, They Transunion continues to report I owe a mortgage for a home I purchased back in 2020 XXXX which on the Warranty Deed I provided XXXX XXXX is not in contract. Fraud again against my Estate abd corporational being without authority to operate. I also opened a complaint with transunion calling out XXXX XXXX Fraudulently operations that was opened XX/XX/XXXX its stuck on stage 2 since then 7 months later to much corruption within these organizations.
Consumer complaint received 2022-03-27
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. (MN)

I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. all 3 credited TransUnion, XXXX and XXXX doesn't have same info.
Consumer complaint received 2021-12-10
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)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CURRENT CREDIT REPORTS. I'VE NEVER RECEIVED ANY TYPE OF NOTIFICATIONS IN REGARDS TO THE INVESTIGATIONS RESULTS. IT HAS BEEN WELL OVER THIRTY DAYS. ALSO I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Eaton Group Attorneys LLC (LA)

I received a subpoena from XXXX XXXX Eaton Group in 2021. I cant remember the date of subpoena because it was destroyed in Hurricane Ida. It took me a days and phone calls to figure out what the debt was from. I told them I was not able to pay after not being able to work XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They refused any option of a payment plan. I sent a written reply to courthouse every time I received a letter because I did not know what else to do. XXXX XXXXXX/XX/XXXX Hurricane Ida  damaged my home and I am now XXXX in Florida XXXX XXXX XXXX  I called Eaton Group XX/XX/2021 to let them know I was XXXX in Florida and I was not able to write responses to courthouse because I cant get mail if they sent it to that address. I asked the guy on phone what will happen and he said if I dont pay I can go to jail so I asked him if I could make payment arrangements with him for monthly payments and he said his office is no longer on this case it was moved to another firm out of state. He did not give me a name for who was handing the case but he said Eaton was no longer handling it. Now I find out he lied about that, they are still the ones handling it. Also the XXXX number that was given on a letter to resolve is not a working number. I will have to send in paperwork on a later date. I am in XXXX XXXX XXXX Florida and my was is gutted paperwork was ruined with water from storm so it will be a while before I can locate any paperwork. The company hangs up phone on me when I call.
Consumer complaint received 2021-12-10
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: Experian Information Solutions Inc. (MD)

I am a joint owner of a XXXX loan with my soon to be ex-wife. Prior to our separation, my wife unilaterally, and without my knowledge and consent, put our home mortgage and XXXX loan into forbearance using the CARES Act. On XX/XX/XXXX, my wife went into a local XXXX bank branch and changed the contact information associated with the XXXX loan, which removed my contact information, and changed all contact information to include only herself, for phone, email and an address located out of state. Since that time, she has unilaterally modified and continued the forbearance, and eventually agreed to a repayment plan once the forbearance period ended. I at no time was present or a participant in any of these decisions, nor was I notified by XXXX that these actions occurred. 

I found out in XX/XX/XXXX after getting an alert from my credit reporting agency that my credit score had dropped nearly XXXX points, that the terms of the repayment plan had not been met for the months of XXXX and XX/XX/XXXX, making my account XXXX past due. I immediately paid the past due balance and notified the bank of the issue. XXXX confirmed that I have never had a late or missing payment in my history of business with them and I also have no other accounts on my credit report showing any missed or late payments in my entire history. I officially disputed the missed payments through the proper XXXX process and was denied. 

At no point did XXXX contact me via phone, email, or traditional mail to alert me that I was my forbearance ended, that I was missing a payment or that they were trying to collect a debt. Because of the 60 day late payment reporting on my credit report, I am now unable to refinance my family home, where me and my two children live, and which I have agreed to do according to the terms of my divorce agreement. I am told by my mortgage broker that I have to wait a year until I can refinance based on this reported delinquency, which because of the terms of my divorce agreement, will require me to sell my home in the next two months.
Consumer complaint received 2022-03-27
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX and XXXX  Account # XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, I have an account with XXXX XXXX with a {$10000.00} that the credit bureaus are not reporting on my credit files. 

Thanks, XXXX XXXX