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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My home address and employment is wrong my home address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc. (FL)

I had a lease with XXXX XXXX XXXX in XXXX XXXX, FL. After months and months of complaining, the office manager XXXX XXXX told me in person I could break my lease with a 15-day notice and no penalties. I also have this via email. She has now backed out of it. I gave my 15-day notice, and she has sent me to a collections agency, NCC Business Systems. NCC is stating that the office manager was not allowed to tell me that I could break my lease. They're stating that I needed to go to XXXX XXXX XXXX. This is inaccurate information, and nobody is helping me, even though this is in writing. XXXX XXXX has been with this apartment complex for many years, and she knows what she does and doesn't have permission to do. And if that is the case, it is between XXXX XXXX XXXX and XXXX XXXX. 

I made this decision to move forward because of her email and her promise to me. I can not pay the {$3000.00} they are trying to collect from me. And they are also threatening to damage my credit over this. 

I have several emails and complaints about this property that were never handled. Please reach out to me if you would like more information.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am requesting that the items be blocked to correct my credit report. I also request that XXXX/XXXX XX/XX/XXXX, {$3000.00} XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, I'm asked the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquiries I need to contact the company and I did the company said dispute it with the bureau so I don't know what to do please help.
Consumer complaint received 2018-12-09
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. (WI)

Transunion, XXXX, XXXX and XXXX are all reporting an unverified bankruptcy. When I disputed the item and asked them to verify it, they said they verified it through the courts.

That is impossible and incorrect. The courts DO NOT speak to or verify items with third party agencies or credit bureaus. I even sent them the letter to prove this and they still are improperly showing this unverified bankruptcy.
Consumer complaint received 2018-12-09
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: LEXISNEXIS (WI)

XXXX, XXXX, XXXX  and LexisNexis are all reporting an unverified bankruptcy. When I disputed the item and asked them to verify it, they said they verified it through the courts. 

That is impossible and incorrect. The courts DO NOT speak to or verify items with third party agencies or credit bureaus. I even sent them the letter to prove this and they still are improperly showing this unverified bankruptcy.
Consumer complaint received 2022-06-14
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: AMERICAN EXPRESS COMPANY (TX)

My credit was frozen and American Express still issued a credit card to a fraudulent person in Florida. I have no clue who this person is but American Express gave me his information. Despite my attempts, American Express refuses to close the credit card even though I personally do not have an account with them. This is fraud! This person was allowed to charge up to XXXX dollars even though they said they froze the account until he provided the proper identification. He never provided such identification since he doesnt have my DL or anything like that but since he made a small payment, they allowed him to continue to use the card. I have called many times and they say they will investigate but it always comes back denied. I have a police report and this person used my information to open other accounts which I had no issues getting closed since it was obvious fraud. This should never have happened in the first place since my credit was frozen since I have had issues in the past with fraud.
Consumer complaint received 2022-06-14
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)

I am a victim of identity theft. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX   Even after I entered into a forbearance program in XX/XX/XXXX after being a victim of natural disaster ( Harvey ) in XXXX Texas, they are are reporting a late payment for me inXX/XX/XXXX ... they had specified no late payments were going to be reported. This had ruined my credit and I need this late payment to be removed and status to be current. On top of all this they stopped reporting my payments after they reported that late pay. So as of now XX/XX/XXXX, my payment history is inaccurate and they are not willing to correct it. I have called them numerous times, and they just say they will get with me but never do. Not only did they report a late pay that they were not supposed to but also have stopped reporting my payments after that.
Consumer complaint received 2019-03-22
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

XXXX XXXX is the new loan servicer on an alleged reverse mortgage on my mothers home. There is court action at present. XXXX XXXX has continually knocked on my mothers door. Pounding on it for her to fill out an annual occupancy form. The normal route would be to send it in the mail. These people have no ID, will not leave a business card and for the first 2 weeks would not leave the form. 1 person did tape it to the door. My mothers Attorney has contacted XXXX XXXX   prior to this to inform them all communications will be handled through his office. XXXX XXXX  has chosen to ignore this. The annual occupancy form was filled out and given to my mothers Attorney who did in fact forward it to XXXX XXXX. He has proof of receipt that XXXX XXXX  received this form. XXXX XXXX is continuing to send people to knock on my mothers door. We do have cameras and a ring door bell. All of this is recorded. My moms Attorney has been informed of this as well. At this point XXXX has received the document they requested and any further door knocking is harassment, senior abuse and scare tactics. My mother is a senior citizen and does not open the door as most seniors do not .She is also represented by an Attorney.
Consumer complaint received 2018-12-08
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. (PA)

Upon looking at my Equifax report on XXXX XXXX I noticed that my current address is not my own. I have seen this address before. I currently have an account in charge off status with XXXX XXXX XXXX. I have called and written to this company many times to have them close the account and bill me to my current address of XXXX XXXX XXXX XXXX, XXXX, PA. I have gotten no response and the account went into charge off. Now I am getting ready to apply for a car loan and looked at this Equifax report only to see that it has my current address as the person whom I believe took my XXXX XXXX account under identity theft. I would like my address corrected on the Equifax report. If you have any suggestions as to how I can get XXXX XXXX to respond to me I am open to that as well. I am beyond frustrated with this. I have documentation proving that XXXX XXXX changed my address back and forth between mine and this other persons Thank you!
Consumer complaint received 2018-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/18 American Express called my roommate 's parents house looking for me. 
Ironically, I had stopped by for a brief 30 minute visit. When I was handed the phone the rep told me they were calling in regards to a missed payment that I was about 2-3 weeks late on of XXXX dollars. 

Shocked, I told the rep I would call back from my phone. After over 45 minutes on the phone American Express could not give me answers on how they obtained my roommate 's parents number. They stated I possibly had called from that number before, which I have never used.

I believe there is a possibility they could be getting 3rd party tracking data from my XXXX XXXX XXXX cellular device. I wasn't answers on how they even obtained the number and how they knew I was there at that random moment.
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

A card was opened my name in 2012 at XXXX XXXXXXXX now portfolio recovery associates has the debt. I tried many times to dispute the account even a police report but they keep reporting a debt that was never mine.
Consumer complaint received 2019-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I, wrote a check to a friend for {$130.00}. On that date she took the check to her Wells Fargo bank branch in XXXX XXXX and cashed it. 
A few days later the bank returned the check saying " refer to maker " and deducted the {$130.00} from her account. She contacted me at which time I pulled my XXXX XXXX XXXX statement that showed the check cleared my account. I have since received the copy of the check showing it cleared XXXX XXXX XXXX. When trying to provide the information to XXXX XXXX " Financial Crimes Manager " XXXX I was informed that she could not discuss with me because I do not have an account with Wells Fargo. The person I wrote the check to proceeded to contact the XXXX XXXX XXXX investigation unit and the response was that they could not help her, it was a XXXX  XXXX XXXX problem. I have subsequently received information from XXXX XXXX XXXX, front and back of check, showing funds were wire transferred to Wells Fargo. Wells Fargo has neglected to provide any information that the funds were never received. Nor will Wells Fargo reach out to XXXX XXXX XXXX. 

I have all documentation that is needed. Wells Fargo : XXXX # XXXX
Consumer complaint received 2022-06-14
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. (GA)

In accordance with the Fair Credit Reporting act the accounts below have violated my rights. 

XXXX XXXX XXXX # 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 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (CO)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

If you take a look at the credit report here are factual screen shots of dates activity and opened where they are incorrectly listed. I have no awareness of no documents sent certified through postal mail. I never received documents that I asked for. Closely view dates of opened on each of the credit agencies and the accounts were removed on the credit agencies and remain on 1 that shows errors in accounts listed fraudulently here are the screen shots of the accounts listed. 
Account XXXX is listing on TransUnion and not XXXX it was removed from XXXX and XXXX. False date of activity and date opened is false please show proof of application applying for this account or any account XXXX is allegedly placing on my consumer report. Date last active in improper fraudulent and false. XXXX this is another account that is listed fraudulently and incorrect. There is no such proof of any applications showing the dates of active on XX/XX/2024 it was removed off of XXXX and XXXX reports. XXXX A third account listing on Transunion and was removed from XXXX and XXXX. Is this not enough proof that I am showing? I have screen shots from my credit report showing erroneous date of activity it is improper to continue to violate me and my rights. Inquiries aren't mine and you continue to deny my dispute. Remove inquiries I have not applied for any new credit for 4 years.
Consumer complaint received 2024-02-29
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2022-06-14
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (AZ)

My surname is XXXX, and my given name is XXXX XXXX I am a federally protected consumer and natural person. I am filing this complaint in pursuit of a duty of due diligence that is required by me after recent payments and documents were or were not filed by CITIBANK N.A. Multiple complaints have been filed in reference to this account with CITIBANK, and with courtesy and good faith, I tendered the account in accord and satisfaction by use of an instrument. This instrument however, was unlawfully redeemed for a fraction of full satisfaction. 

On the date of XX/XX/2022, CITIBANK N.A. received a notice and an instrument tendered as full satisfaction of a debt on account number ending in XXXX ( EXHIBIT D ). The instrument numbered XXXX was redeemed according to the USPS tracking services ( EXHIBIT B ). Upon cashing of the instrument, CITIBANK N.A. also received a coupon signed by myself, accepted for full value of the claim ( EXHIBIT E ).

CITIBANK N.A. updated the account and I was notified of a {$20.00} tender made on XX/XX/2022 ( EXHIBIT A ). In lieu of the simple contract upon the negotiable instrument, there is to be payment for full value consideration and tender of of {$3900.00} UPON REDEEMING the instrument. Thus, leaving CITIBANK N.A. in breach of contract. 

I can only assume that the remainder on the account ending in XXXX is a billing error needing corrected by due diligence of the obligor. Assuming that the accepted coupon returned to CITIBANK N.A. in addition with the redeemed instrument were received as obligations and interest in the account was used to offset the balance. In good faith, I request CITIBANK N.A. to please clarify and correct the error at hand. Please refer to our contract that was accepted and redeemed by You in ( EXHIBIT C ). A Cease and Desist will be issued to you and through you until I am relieved of this debt.
Consumer complaint received 2022-06-14
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. (CO)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (GA)

The account was paid prior to the account been sent over to the collection agency " Professional Debt ''. 

I have disputed the account and asked for proof and have yet to receive any. 

However, I have proof from the original creditor, per statement dated XXXX/XXXX/2022, showing proof of payment.
Consumer complaint received 2019-09-10
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: DISCOVER BANK (AZ)

Discover card accounts belonging to my spouse are being reported on my Credit File, I am only an authorized User on all discover card accounts and they are being reported as current on my credit file and should not be on there at all, he removed me as Authorized User. All discover card accounts should be removed from my Credit File.
Consumer complaint received 2018-04-22
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. (PA)

Experian Report # XXXX Date : XX/XX/XXXX XXXX XXXX/XXXX XXXX is an account that was or no show of ( ND ) No Data since XX/XX/XXXX and the account is past 7 years. 

Experian last report was XX/XX/XXXX and the the account show ( CLS ) Closed.
Consumer complaint received 2022-06-14
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. (CO)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (MN)

All three credit bureaus have reported incorrectly that my car loan with XXXX XXXX was discharged through bankruptcy. I provided them proof from credit acceptance that the account was paid in full and they still determine that is a valid report. This has been going on for years and the credit bureaus blame XXXX XXXX and vice versa.
Consumer complaint received 2018-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (FL)

I only use my walmart store card to keep from having it cancelled. My sons a college student had his card cancelled for non use. I made a small purchase in XX/XX/XXXX and paid it off. Made another small purchase in XX/XX/XXXX and thought i paid it off online via wlamart.com but that seemed not to work i didn't receive a statment after that probably the mail courier.i have an apartment style mailbox system where i live. Nevertheless. So i thought all was good until credit sesame showed a past due report.i was out of town at the time. so i immediately searched walmarts payment site and paid the account in full. I also noticed that my {$400.00} account had been reduced to a mere {$110.00} just {$9.00} short of my now due payment which included aprox. {$60.00} in past due fees. So it appears that i maxed out the account by a $ 30- {$40.00} purchase. My credit dropped 47 score points from XXXX down to XXXX. From excellent to a fair rating.