davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

XX/XX/XXXX Resurgent Capital Services sent me a collection notice starting that they manages an account from original creditor XXXX XXXX XXXX, XXXX. regarding current owner LVNV Funding LLC which is a collection company as well stating they have initiated a review of the inquiry to collect a debt for the amount of {$2600.00}. I responded with a letter to validate the debt that they say I owe to them and who gives them a right to collect the debt. This company has not been able to properly validate this debt as of yet. I received a response from them in the mail on XX/XX/XXXX with the account summary of a debt with borrower information including name, address, city, and state, zip code and current account information with the owner which is LVNV Funding LLC, Resurgent reference # the original creditor name and account #, current balance due amount which is {$2600.00}, and date of last payment XX/XX/XXXX. The historical account information stating the original creditor for the account, the origination date, the account charge off date, the account was acquired on or about, the account balance at the time of acquisition. I also received another letter of a bill with my name on it stating I owe this amount. Another validation letter sent to XXXX XXXX , XXXX for the same amount on XX/XX/XXXX asking to properly validate this debt returned with improper validation. Another letter went out on XX/XX/XXXX to properly validate this debt and still not able to validate correctly to prove that I owe this company or the debt. This debt still appear on my XXXX credit reports only. I want this company to stop reporting this to my credit reports because it does not justify a debt I owe and who gives them the right to collect it.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

i have send numerous letters to experian, all letter go with : 1.-copy of credit report with highlighted errors 2.- Dispute letter indicating all errors and demand to remove them 3.-Proper Identification, copy of DL, Voters ID, SS card this has been going on for the past 8, months and still is a night mare to get them to remove them, they send letters saying i didn't send proper ID, which is a lie or simply refused to investigate and remove just recently as yesterday my score drop 40 points and a loans i was doing got deny, here are errors which they refused to removed : Personal Statement Statements Personal Statement ( s ) XX/XX/XXXX &  XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. ( i ask for this i send 2 letters and even call and ask to removed Inquires 1.-XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX 3.-XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX these inquires were not authorized by me, they dont have a signature, i never requested any credit by any of them
Consumer complaint received 2020-02-09
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$300.00}, {$0.00}, {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.
Consumer complaint received 2018-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC (CO)

On XX/XX/18, XXXX XXXX XXXX installed a non-OEM windshield in my car. I gave them a check for {$100.00} for the deductible. Later I realized the error that the glass wasnt XXXX glass. After much runaround and sending of photos of the windshield, XXXX agreed it was an incorrect windshield and agreed to have it replaced by XXXX or directly by the dealer. The XXXX representative told me if I went to the dealer, it may take weeks to get the {$100.00} reimbursed and I would have to pay the dealer another {$100.00} in the meantime. Together the XXXX representative and I decided the best approach was to place a stop payment on the check and resubmit the payment at the time the windshield was replaced. I had the windshield replaced at the dealer on XX/XX/18 and XXXX paid the dealer the full amount owed. I assumed ( correctly ) that they had waived the {$100.00} deductible for my inconvenience. I never heard anything more about a debt owed to XXXX until I got a call from Recovery One debt collection. The first call was a robo-voicemail that was cut off at the beginning and difficult to understand but I did hear the word XXXX. If they are counting this as an attempt to contact me, that would be an unfair practice. The voicemail would need to be clear and complete for a consumer to be determined to ignore it. I later got a second voicemail from a person to which I responded. This call lasted 1 minute and consisted of a person berading me for the debt I owed. I attempted to tell her that XXXX was aware of and agreed to the stop payment and that she should go back to them to confirm. She responded, loudly and firmly Im not XXXX and I have a right after 30 days to send this to Collections and thats what Im going to do and she hung up the phone. I tried many time to call back but she refused to answer her phone and there was no voicemail. Since the call was recorded I hope you can hear first-hand how she treated me. I called XXXX back and they apologized profusely, agreed the {$100.00} was waived and said they would pull it from Collections. 

My issues are twofold. 1 ) I need assurance that temporary record of a collection will not become part of my credit record. 2 ) I want to ensure nobody else has to go through what I did. 

I pay my debts and and have a perfect credit rating. But indebted consumers have many reasons why they might not be able to repay a debit on time. Those people are probably already downtrodden and embarrassed and stressed. If they take the time to respond to a call such as the one I received, they should be treated with respect and dignity. I agree with debtors being held accountable but nobody deserves to be demeaned or belittled in the process. Just because the agency has power over the consumer, they have no right to be disrespectful. They should also be required to listen to an explanation and get to the bottom of it rather than say their piece and hang up the phone. In short, they should conduct themselves professionally at all times.
Consumer complaint received 2023-03-18
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. (VA)

TransUnion claims that XXXX  # XXXX was VERIFIED AS ACCURATE. I received a response from XXXX # XXXX on XX/XX/2023 that stated the company is no longer servicing this account and thereby is not possible to be verified. The attached correspondence has been attached. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-10
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: CMRE Financial Services, Inc. (NV)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 15U.S.C 1681.Section 602 A. States I have rights 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 2023-03-18
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: Experian Information Solutions Inc. (AZ)

Experian boost keeps my credit score artificially lower than all others because I refuse to purchase any products from them. When I removed accounts from their boost product my score immediately decreased seven points. This even though no negative information happened on my actual accounts. The information is fraudulent & untrue. Nothing happened to my accounts to force a score reduction & other agencies have raised my score higher than Experian with the exact same activity. My actual credit usage has gone down not up as Experian reported.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I despise this! I've already spent months sending disputes and filing complaints with no results. This is really bothering me and causing me stress.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$470.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$6500.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Applied for a rental property which was a verified listing on multiple rental network sites. Received a signed lease agreement and receipts as security deposit, first and last months rent was paid via wire transfer totaling {$4500.00}. The money was sent from my account with Wells Fargo to another account Wells Fargo, and I never received the rental property as it was fraud. Filled a claim for fraud with Wells Fargo who denied my claim and stated the receiving bank ( Wells Fargo ) would not return the funds.
Consumer complaint received 2016-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (GA)

This letter is to inform you that the account in question was settled on XXXX XXXX 2016 with AFNI/XXXX. I have enclosed copies of the settlement letter and proof of payment. You now have proof that this debt is no longer collectable, therefore I demand that you remove this account, and all references to my personal information, from your records.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

good afternoon I write today in hopes to solve a issue I have with transunion and there non compliance of investigations they have claimed to have done. I have been going back and fourth with this agency for months now. timeline is as follows and I also have included all paperwork to support this complaint. 

XX/XX/XXXX I put in a request asking for transunion to ensure accuracy on a account with XXXX XXXX XXXX  partial account number XXXX because fcra states as a consumer I have the right to ensure everything on my credit report is accurate, up to date, complete and consistent. I just wanted for them to ensure maximum accuracy. 

XX/XX/XXXX transunion responded by verifying this account and updated it. 

XX/XX/XXXX I requested information on how they verified this account and who they spoke with so that way I may follow up. I have yet to receive any info. 

XX/XX/XXXX transunion sent me back results claiming to have updated this account and a change was made based on my dispute. Not Specified. 

XX/XX/XXXX I responded back to their agency asking what did they update seeing absolutely nothing was updated. not a single field was changed. I went on how they are being unfair to me as a consumer by sending me false results pro longing my dispute process by sending me stall tactics as these results. 

XX/XX/XXXX I received more results from their agency claiming to have updated and a change was made based on my dispute. Not Specified. again absolutely nothing was updated. everything is reporting the same word for word. I noticed the Date Updated field reports as XX/XX/XXXX. why is this date before the date transunion issued me my results? this tells me they are taking my disputes for a joke when all I asked was who did they contact and talk to in order to properly verify this account and at this point I am calling them out on their violations of being unfair by ignoring my request. this account is causing me much stress because it is preventing me from trying to apply for new credit lines. I have asked them to verify this account for me and yes they did but when asked for further information regarding all my results they simply can not provide such information instead they send me the same report results over and over again. I continue to research my rights under consumer laws and it led me to file a complaint in hopes you can help me with this issue regarding transunion. transunion is in non compliance by conducting illegal practices under fcra law.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

I was phished by the spammer, XXXX, when I knew that my flight from XXXX to XXXX was canceled by XXXX XXXX XXXX XXXX XXXX for " mechanic reasons '' one day before the flight date. I was in panic mode and googled XXXX costumer service. The phishing number from XXXX popped up on the top of the XXXX list. I called the number and " XXXX '' pretended that he is XXXX representative. He got my Discovery Card information and associated personal information over during the conversation and charged me {$3400.00} for " changing/rebooking '' my original XXXX flight tickets that were booked from XXXX. After the conversation with " XXXX '', I called XXXX with the number from my original ticket to complaining the " charge ''. XXXX representative told me that it should be free for changing the ticket for cancelling ticket due to the XXXX reason. Soon XXXX sent me the new e-tickets and showed it is free charge. Meanwhile, " XXXX '' sent me the email to ask me to reply with " agree '' to pay the charge. I refused. I traveled backed home two weeks later and found the charge on my Discover Card ( DC ). I called DC for disputing the charge for {$3400.00}. After several rounds of disputes with all evidences including the emails, my XXXX tickets, complaints from public domains for spammer ticketsupportdesk.com, XXXX service number and Business-class number that DC can call to confirm the free charges for rebooking the my tickets, etc. I provided to DC, DC still insisted that I should pay the charges.
Consumer complaint received 2023-07-17
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. (NJ)

Upon further review, it has come to my attention that I have been victimized by identity theft/fraud. 

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 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 

They ran an unauthorized report on me. I did not authorize such an inquiry and demand that you contact these companies immediately and have the unauthorized inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may be subject to a fine. Pursuant to 5 U.S.C 552 ( b ) ( 6 ). Any personal, medical, or similar file is exempt from public DISCLOSURE if its disclosure would harm the individual concerned or would be a clearly unwarranted invasion of the persons ' personal privacy. Failure to comply will result in a report being filed with the FTC CFPB & XXXX and once again id like to take this time to thank you in advance for your understanding compassion and most importantly speedy cooperation in this delicate situation.

If you have any questions, please contact me at the address listed below. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX
Consumer complaint received 2016-12-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (VA)

This is an inaccurate and invalid collection account placed on my credit report that is not my own. I have sent letters to all XXXX credit bureaus regarding this debt and still continue to see it reporting, this is a gross violation of my consumer rights and under the Fair Credit Reporting Act, I demand that they either furnish documentation verifying this account as my own or immediately remove this file from my reports.
Consumer complaint received 2023-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit report is constantly under attack. XXXX XXXX was just returned to my credit from my last complaint. As soon as it was returned my account was hit with XXXX XXXX for a medical bill collection that I have no knowledge of. Also Im a retired XXXX XXXX I have great insurance I have no knowledge of this bill why was it submitted to the credit company without being sent to me, I could have submitted any bill to my insurance company for payment. I feel like im under attack by the credit bureau because of my complaint.