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

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 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 2019-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WV)

I discovered that my card had been stolen when I received a bill in re to purchases made. I have always paid my account payments on time without issue and in XXXX paid the account in full. I have not used this card since that time. 

There were multiple items purchased including those that were delivered to an unknown address. The store has denied my claim of fraud stating that the purchases fall within my purchase pattern. Prior to these purchases, the card was rarely used and used last in XXXX, 2018 for XXXX items for children. I did not make any additional purchases. At this point, it has been almost two months. Total amount of fraudulent transactions is {$390.00} PLUS INTEREST and FEES.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-04-03
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. (MD)

The following companies received my CR report without permissible purpose according to 15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions and according to 15 USC 1681 section 602 states I have the right to privacy XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-09-24
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: CL Holdings LLC (FL)

Started a family plan with myself and my mother. She was diagnosed with XXXX XXXX XXXX XXXX In XX/XX/2013. I spoke with XXXX on many many occasions notifying them of our situation. The monthly statement clearly indicated there was zero use from XX/XX/2013 until her sudden and untimely death on XX/XX/2013. Documents show I continued to pay In order to keep my phone connected. After all, I just lost my mother who was only XXXX. The reps were plain rude, insensitive and of no help. They refused to allow me to end our plan. I was told verbatim, Do you know how many people fake their parents dying to  get out of a plan? Meanwhile Im sobbing and said check her usage. She has been hospitalized. I had her obituary for proof. I even have her death certificate. And still, XXXX could care less. So much for customer service. They stole from us. I have statements and emails verifying payments were made up until they refused to change our plan. One of their customers was now deceased and it was my word against theirs even though I had proof. And what a shame!! I wonder how many other customers they treat like this? 

Also, I dont see any correct dates for this account on my report. 

I tried calling the debt buyer in hopes of resolving this matter recently at which time I was conveniently dropped from the call @ XXXX and again when I called back and spoke to a different rep named XXXX XXXX XXXX last month.
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/19 I paid my credit card in full 1 day late and requested a 1 time late fee waiver of {$27.00}. On XX/XX/19 the company responded that my balance was XXXX. I did not realize that I would need to pay additional money since my balance was XXXX. I have now received a bill for over {$62.00} which included an additional {$27.00} late fee. The company agreed to waive {$27.00} however I feel that I should not have to pay either late fee.
Consumer complaint received 2019-02-12
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. (TN)

The student loans under XXXX XXXX And XXXX are being incorrectly reported. The past due payments are more than 7 years old. I have Disputed this many times as they are too old to be reported but they still remain on my credit report under Erxerian and XXXX And XXXX. Ive disputed this at least 5 times. The past due payments are more than 7 years old and are no longer reportable under the fair credit act!
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ALLY FINANCIAL INC. (TX)

ON XX/XX/XXXX CREDITORS AUTHORIZED MY REPORT WITHOUT MY WRITTEN/AFFIRMATIVE CONSENT.I HAVE 5-13 INQUIRIES ON MY REPORT BETWEEN XX/XX/XXXX-XX/XX/2018, AND IT HAS BROUGHT MY SCORE TO A LOW. I WASN'T AWARE OF THESE REPORTS AND MY SS # WAS USE IN A IMPROPERLY MANNER .ALL THREE BUREAUS WAS EFFECTED.
Consumer complaint received 2022-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX, I discharged both my American Express bills, they cashed the negotiable instrument. But not for the complete amount of coupon. UCC3-603 states if they endorsed the back of the negotiable instrument which they have. Then all debt should have been discharged. I will be contacting the attorney general about this matter of extortion from American Express. 
Thanks XXXX XXXX
Consumer complaint received 2019-04-29
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. (GA)

Hello, my name is XXXX XXXX. My date of birth isXX/XX/XXXX and I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : XXXX XXXX XXXX XXXX XXXX They originally removed these accounts XXXX XXXX XXXX XXXX XXXX XXXX But did not block them and these theft related accounts have reappeared on my report. I have sent letters, filed police reports, etc. I sent all of this with each attempt to get the bureaus to assist me in resolving this with no success. 

I have sent numerous requests for them to remove these items and they make me wait up to 60 days just to do nothing or remove the items and let them rereport.
Consumer complaint received 2020-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

Amerifinancial Solutions is reporting multiple medical accounts on my credit reports. I have tried disputing and getting this company to validate these accounts that I have no knowledge of. They sent me someones bill but did not show proof that this debt is mine. There were no copies of identification ( ie drivers license or social security card ) no medical record showing what services were performed or the name of the provider. As Ive stated before these debts are not mine and need to be removed from all 3 of my credit reports.
Consumer complaint received 2019-04-29
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. (GA)

Hello, my name is XXXX XXXX. My date of birth is XX/XX/1989 and I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : XXXX XXXX XXXX XXXX XXXX They originally removed these accounts XXXX and XXXX XXXX and XXXX  But did not block them and these theft related accounts have reappeared on my report. I have sent letters, filed police reports, etc. I sent all of this with each attempt to get the bureaus to assist me in resolving this with no success. 

I have sent numerous requests for them to remove these items and they make me wait up to 60 days just to do nothing or remove the items and let them rereport.
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Twenty-seven years ago, I co-signed a credit card application to Bank of America for my daughter when she was XXXX years old. In XX/XX/2018, she suffered a financial crises and could no longer meet minimum payments. Bank of America reported late payment information on my name as well as my daughter 's name without providing me any information regarding the credit card account. I found out about the problem only because I investigated my credit report to determine why my credit rating was falling. I Paid off the balance immediately once my investigation into my credit report identified the problem. Bank of America made no attempt to notify me that the account was past due before sending information damaging my credit rating. I am still living at the same address and have the same phone number as when I co-signed the application 27 years ago. 

I think banks should be required to provide account information to co-signers as soon as an account becomes past due and certainly before reporting information to credit agencies that is damaging to their credit. It is clearly in the banks best interest to continue to receive a 23.9 % interest rate for as long as possible before notifying the co-signer. Perhaps this is why I was never notified and had to dig it out myself from credit reports.
Consumer complaint received 2019-04-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R J Baucum Enterprises, Inc. (TX)

I have no recollection of this account and if it's a medical bill I've been on XXXX since 2014 and all my medical bills are paid and when I tried to contact them they were very rude and demanded payment and wouldn't give me any details
Consumer complaint received 2019-04-29
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)

My problem and only problem right now is with the credit reporting agencies XXXX and Transunion. Inwhom I will be filing suit against for many reasons. They constantly reporting accounts inwhom which they have not received physical certified documentation from. They only going off of electronic Verification inwhich is not official. I'm demanding a detailed Method of Verification used in this investigation. I have repeatedly requested this but never recieved anything. XXXX and Transunion, I need to know what was the name and title of your employee inwhom conducted the investigation. Whom did they speak with, and what form of communication used in this investigation, was it phone, fax, text, letter, etc. What was the title of the person spoken too. What certified documentation did they provide with my signature on it. And what physical method of documentation did you provide the consumer. All this is my natural and legal rights as a consumer. I'm demanding that these unauthorized accounts be blocked from my credit data and files immediately and permanently if your companies can not produced the Method of Verification used, as well as physical certified documentation to support your reporting. If not then it is your legal duty to block these accounts as following, [ # 1 ] XXXX {$920.00} [ # 2 ] XXXX XXXX XXXX {$1000.00} [ # 3 ] XXXX XXXX XXXX
Consumer complaint received 2019-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

I contacted the following company in XXXX through a certified letter explaining that I have never done any business with them but they would not cooperate with me, but instead they insisted that the debt was mines. I also contacred the credit bureaus for 6 months but they have refused to provide me proof of there investigation. Midland Funding in the amount of {$1300.00} is on my XXXX  credit report.
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (FL)

It in collections its not my account, they wont tell me what kind of an account .I told them back in 2013 I had identy thief, come to find out its no the original debtors the amount is XXXX
Consumer complaint received 2022-03-13
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. (PA)

XXXX has reported I had a late payment on XX/XX/2022. This was XXXX fault, not mine. Spoke with XXXX and was corrected on their end. I was instructed to contact credit bureaus to open a dispute, so they could correct my credit reporting and scores.
Consumer complaint received 2019-02-12
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: EQUIFAX, INC. (CA)

MY name is XXXX XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company Equifax put 3 negative negative inquiry in my credit report like you see bellow i contacted Equifax and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal here is my Confirmation # XXXX with Equifax Equifax Credit Report for XXXX XXXX XXXX Name of Company Date of Inquiry XXXX XXXX XXXX : :XXXX XXXX Show Details XX/XX/XXXX XXXX : XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX  : XXXX XXXX Show Details XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit. 



AND THE SAME HERE WITH XXXX MY name is XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company XXXX put 2 negative negative inquiry in my credit report like you see bellow i contacted XXXX  and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit.
Consumer complaint received 2019-09-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Credit Analysts of MN, Inc. (MN)

XXXX XXXX XXXX XXXX bought XXXX from XXXX XXXX. They bought and forgave all unpaid debt when they incurred the company. I have a letter of forgiveness from XXXX stating I do not owe any dollar amount to the school. And they the debt has been forgiven. Also I filed bankruptcy in 2017 in which this item was included and the company refused to acknowledge or comply with the guidelines or results of the bankruptcy. At the time in 2017 I did not know XXXX had bought XXXX, so I included it in the bankruptcy.
Consumer complaint received 2019-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (AP)

The company made no effort to contact me about the debt. I've asked for verification of the debt months ago and never received a statement or verification. I submitted a complaint and their response was that they could not find a debt that matched the information provided, so how were they able to submit it to the credit bureaus? I had to use their website to attempt to find a statement number and the website had a hard time finding it. I eventually found reference number XXXX and ID XXXX, but I do not know which number is relevant to the account. I have no knowledge of an account number at all.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

The account reported to the credit bureau does not belong to me It belongs to my ex spouse who add me as second card holder without my consent. 
On the report it states that account is joint but I never sign an agrement with the credit card company but husband is the primary responsable. 
I disputed it with the credit bureau but it remains in my report wich I find unfair
Consumer complaint received 2019-04-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (TX)

This company sent me a letter that does not belong to me, the only thing that appears to match any of my information is a first name, the last name is incorrect I believe they are mixing my file with someone else 's because there is also an incorrect drivers license number. They claim that there's a warrant for my arrest yet I've just updated my drivers license and nothing was ever mentioned about warrants also this is a collection from over 20 years ago and this is the first time I've ever heard of this and they are sending notices to my address, the date of offense on the letter is XX/XX/1994. I was in highschool at that time and have never wrote a check while in highschool so the entire letter to me seems odd and suspicious. I've checked with the courts whom they say theres a warrant with and there is no warrant for me because they have invalid information.
Consumer complaint received 2019-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I am default on the Mortgage Payment 4.8 month. the break down is as follows : XX/XX/XXXX {$1100.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} _________________________________ Total Balance Due : {$7100.00} _________________________________ I send two partial payments that total more than the outstanding balance due. 
1st Partial payment : {$4200.00} Received by Ocwen ( XXXX XXXX ) XX/XX/XXXX 2nd Partial payment : {$3200.00} Bank Check Received by Ocwen Express Mail _______________________ on XX/XX/XXXX. 
Total Payment Send : {$7400.00} Ocwen Decline to accept the payment return XXXX XXXX Payment ( see attached Ocwen letter dated : XX/XX/XXXX ) Ocwen Accelerated Loan the balance to XXXX. I was not offered the opportunity to re-instate the past due balance. Ocwen just referred my Account to XXXX XXXX, LAW OFFICE which fail to send 90 Notice Intent to Foreclose. Ocwen & XXXX XXXX are in partnership to cheat owners out of there home with low mortgage balance in order to make a profit and add aggressive interest on the account.
Consumer complaint received 2019-04-29
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: SYNCHRONY FINANCIAL (TN)

XXXX and XXXX continue to report information on my credit report, stating that a credit card was opened XX/XX/XXXX with XXXX XXXX XXXX Bank. This was investigated by XXXX and deleted off the account. I have sent copies to each credit bureau of the deletion yet they still refuse to remove it. 

Also, JCPenny ( opened XX/XX/XXXX ) is reporting on XXXX. I have sent three letters, one of which showed proof that this account was removed from XXXX and XXXX, yet XXXX continue to report this on my report. 

XXXX XXXX is reporting about an account which is showing an opened date ( XX/XX/XXXX ) how is this possible. I never received any bill stating anything of a hospital bill of {$110.00}. I don't know anything about this account. 

There is proof that XXXX and JCPenny have been investigated and deleted from other bureaus yet they are still reporting on at least one of the bureaus. According to the Fair Credit Reporting Act Law, this is a violation with the reporting bureaus of non-compliance of which I've sent three or more letters asking for proof of these accounts. Asking them to provide the original documents with my signature. This is damaging my credit report and I am thinking about seeking justice for any inaccuracies that are being reported on my account.