davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (WI)

I didn't even know I had the debt from the ER. 

I did not receive notice that I owed money, I did not receive notice that it was going to collections. 

The collection agency that took over my debt, did not call, did not send a notice to me that my debt was passed over to them. I got an email on XX/XX/XXXX that my credit score had dropped XXXX points. When I logged into my account it said I had been sent to collections. Luckily XXXX had the collection agency contact information. I contacted the collection agency immediately and asked about these bills. Only to find out this agency had dinged my account on XX/XX/XXXX and never sent notice to me. 

The dates were from one provider at the ER in XXXX XXXX, FL XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I would have paid these if I knew they were out there. XX/XX/XXXX I checked my credit, as I was in the middle of a divorce and was in the process of repairing my life financially. They weren't on the credit report then. When I asked the collection agency when they took over the debt, they said the medical provider sent in XXXXXXXX XXXX XXXXXXXX How am I suppose to pay a bill if I didn't receive notice. And secondly when was the collection agency going to let me know? 

As far as paper work.. I have none. No bills from the hospital. No letter stating my account is being moved to collections. 
No collection letter from the agency that took over my debt from the hospital. 
If it wasn't for XXXX I wouldn't have known about any of this.
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NJ)

I have attempted to resolve this account with the creditor directly because this isn't a balance that is owed. Creditor sold this to XXXX XXXX XXXX which is not a balance that is owed. The account was closed at XXXX balance.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (TX)

I was a victim of Identity Theft, someone tried opening up numerous accounts using my information, as I contacted numerous credit card companies to notify them it was not me most of them were helpful and removed the inquiry from my credit report. However Paypal Credit was the only one who treated me like I was the criminal not the victim, the individual I spoke with was rude and told me that they could not remove the inquiry from my reports, I was told that I would need a police report and I would need to fax it in in order for them to remove the inquiry, this is after I notified them that it was not me who applied for credit and not only it was not me but they used a wrong address to do so. Paypal Credit still refused to remove the inquiry without the Police Report. It is hard enough to deal with the identity theft issue by it self, but to have a credit provider treat me like I was the criminal was not expected.
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This is my alert from   XXXX    Credit tracker : CCBPAYPALCREDIT obtained a copy of your   XXXX   Credit Report.  XX/XX/XXXX Alert Da te :  XX/XX/XXXX   XX/XX/XXXX  Date Filed :  XX/XX/XXXX  Source :  XXXX  Phone :   XXXX   XXXX   XXXX   XXXX  3 Address :   XXXX   XXXX   XXXX    XXXX , MD  XXXX - Company CCBPAYPALCREDIT
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I sent a letter to 3 Credit Bureaus to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. 




XXXX & XXXX ( Original Creditor : XXXX ) XXXX Balance : {$310.00}
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

On XX/XX/2021 I sent out 609 letters to all three credit bureau in request to investigate, validate, and remove the accounts in dispute ( see later ). In doing so, I requested a report with in 30 days due to federal law and have not received any response from either credit bureau. My inability to be able to obtain credit has altered my life. i am not able to get a car in my name, a home for myself or maybe even help starting my XXXX  to better my lifestyle due to the reports to my credit. I have attached all three copies of my 609 letter 's to show proof of contacting each party. I wished not to go to these measures however it was necessary. because i am struggling to build credit and can not be approved for any credit building cards or opportunities. All company information involved ( see attachments ).
Consumer complaint received 2019-07-16
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: General Motors Financial Company, Inc. (MO)

We purchased a vehicle in XXXX from XXXX XXXX, who contacted GM Financial for funding. We were denied credit through GM because of a report from XXXX , XXXX, a credit reporting company we have never heard of. Our credit scores with XXXX, and XXXX are all in the 700 's, and feel something is wrong when a company people have never heard of are able to report things. Also, we were approved for our loan by another company, and it has taken GM over two months to send us any notification.Have been told by others GM approves only wealthy people. GM needs to be stopped from using a company that people have not heard of for credit scores, to deny credit. I wonder how much they pay this unknown company to report this stuff. XXXX needs to be shut down for giving credit reports that are not only way below others, but have no business reporting untrue facts. I urge anyone who has been denied credit by any company, and XXXX to file reports with The Consumer Financial Protection Bureau.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2021 I sent out 609 letters to all three credit bureau in request to investigate, validate, and remove the accounts in dispute ( see later ). In doing so, I requested a report with in 30 days due to federal law and have not received any response from either credit bureau. My inability to be able to obtain credit has altered my life. i am not able to get a car in my name, a home for myself or maybe even help starting my XXXX  to better my lifestyle due to the reports to my credit. I have attached all three copies of my 609 letter 's to show proof of contacting each party. I wished not to go to these measures however it was necessary. because i am struggling to build credit and can not be approved for any credit building cards or opportunities. All company information involved ( see attachments ).
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

My wife was trying to sell two cell phones and a scammer tricked her into sending them money ( she is naive and trusting ). We reported the scammer to our bank and Federal Trade Commission. Our bank says the funds can not be reversed.
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (IL)

This account XXXX XXXX is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Consumer complaint received 2019-05-02
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. (FL)

On XX/XX/2019, I received a credit alert from three different monitoring agencies that I have subscribed, stating that my TransUnion credit score dropped 20 points. This despite drop occurred dispite fact that there has been no change nor has any derogatory information been placed on my file. Upon calling TransUnion, the customer service representative had no explanation to the drop in score. 

For the better part of the last year, I have been diligently working to remove erroneous and fraudulent matters that were attached to my credit file. Each one of my efforts, either through direct dispute with your company or through the Consumer Financial Protection Agency have been resolved in my favor. To date I have drafted, faxed, mailed and/or uploaded over 15 different matters to TransUnion which I disputed and had removed. 

None of these disputed and removed matters would have initially been placed on my credit file if your agency had done a modicum of investigation confirming the accuracy of the debt.

Because of TransUnions financial relationship with such institutions as XXXX XXXX and other credit lenders, there is an intentional effort to keep those trying to rebuild a credit rating from achieving that goal by sporadically and systematically manipulating the credit score downward, forcing the consumer into a high fee/high interest rate credit card situation. 


On XX/XX/2019, I received a credit alert from three different monitoring agencies that I have subscribed, stating that my TransUnion credit score dropped 20 points. This despite drop occurred dispite fact that there has been no change nor has any derogatory information been placed on my file. Upon calling TransUnion, the customer service representative had no explanation to the drop in score. 

For the better part of the last year, I have been diligently working to remove erroneous and fraudulent matters that were attached to my credit file. Each one of my efforts, either through direct dispute with your company or through the Consumer Financial Protection Agency have been resolved in my favor. To date I have drafted, faxed, mailed and/or uploaded over 15 different matters to TransUnion which I disputed and had removed. 

None of these disputed and removed matters would have initially been placed on my credit file if your agency had done a modicum of investigation confirming the accuracy of the debt. 

Because of TransUnions financial relationship with such institutions as XXXX XXXX and other credit lenders, there is an intentional effort to keep those trying to rebuild a credit rating from achieving that goal by sporadically and systematically manipulating the credit score downward, forcing the consumer into a high fee/high interest rate credit card situation.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I do not believe that an investigation was done because there are still unauthorized inquiries on my report. I have already filed a report and sent letters to the credit bureaus 7 months ago explaining that the inquiries being reported are not correct. I will attach the letter with this complaint. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following from my Equifax report immediately : XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Consumer complaint received 2020-02-24
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: CITIBANK, N.A. (CA)

On XX/XX/19 I noticed that XXXX the APP like XXXX withdrew from my bank account the amount of {$220.00} through XXXX transaction # XXXX XXXX XXXX XXXX CA XXXX for an order that I do no authorize. I have tried to contact XXXX  by phone but they only say to use on line app so I send a lot email to them but never answered anything about the transaction. 
Then I contact my bank Citibank N.A. I sent them the information they asked for and they told me to cancel my debit card to avoid future unauthorized transactions and cancel my debit card. After months the resolution of my bank was that since I received the merchandise that they could not do anything. 
XXXX had the information on file of my debit card and home address because I had previously made a purchase with them. 

Citibank then told me that when XXXX  through an email ask me if it was my address and that I said it was, but it was because I first sent them an email telling XXXX  that they had sent me merchandise to my address that I did not order or authorize and I asked XXXX for a shipping label to return everything they sent me and now they say that I could have returned it in 30 days after the complaint but as if I never answered XXXX  to which address I could RETURN the merchandise. 
As the bank did not help me then I called XXXX and they told me that since I started the complaint with my bank they could no longer help me. 
The representatives of appeals in Citibank made me spend time money on faxes that they say they did not receive which is a lie because I have the confirmation and I was talking with Citibank to check the status of the case until I had to reopen it again because they had Case closed.
Consumer complaint received 2018-05-07
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: JPMORGAN CHASE & CO. (CA)

I have lodged disputes with XXXX XXXX, Chase, XXXX and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Consumer complaint received 2023-03-23
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. (AZ)

On transunion it reports that i have a large sum or debt this debt does not report on any other criedit agencies like XXXX for example this debt was not mine this debt amount is incorrect this was dated back to early covid time. 

this was a lease agreement that is not correct this lease agreement is stated on my credit as a debt owed which is not true debt This only reports on transunion and does not show on other credit agencies the information on my credit report regarding this debt or eviction is not accurate and has been taken off my other reports. 

other tenants have accrued this debt however the debt is a incorrect dollar amount and is not tied to my name anywhere else if something can be done in a timely manner that would assist me greatly thank you
Consumer complaint received 2019-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEAD MERCANTILE CO., INC. (OH)

My son was taken to the hospital by his mother XX/XX/XXXX of XXXX. At that time my son was also covered under his mothers health insurance. A bill was sent out under my name ( XXXX XXXX ) mistakenly instead of his mothers ( XXXX XXXX XXXX ) on behalf of XXXX XXXX Medical Centers mistake. This has not been their first mistake before. My sons mother was XXXX  from XX/XX/XXXX through XX/XX/XXXX. Every medical bill was sent in his mothers name entirely always until he was placed in my custody XX/XX/XXXX and was placed under my medical insurance. XXXX medical center mistakenly put my name on the bill and was sent to collections and I was not aware until it hit my credit report and seen this beginning of XXXX. I filed 3 disputes to 3 credit bureaus whoa re investigating it. I reached out to XXXX medical center of XXXX Ohio and said they would transfer the bill into my sons mother name but can not do so  now that the bill was sent to collection. So now here I am almost a 800 credit score never missed a payment in my life and fighting to a bill that was not mine, if it was I would have taken care of it. XXXX Billing department told me that whoever brings in the child is billed, they told me my sons mothers name was on file who brought him in and should have been billed on. I came shortly later and payed the emergency room bill to help provide for my son. So my credit score takes a 100 point deduct and Im left to bare of that why? I find this very wrong and I dont care for the bill I will take care of it if I have to but I want my credit report and score fixed. I should not have been held accountable. Someone please help me?