davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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. (FL)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please have them remove XXXX XXXX XXXX was my file. This is not my debt. It keeps appearing on my file under different names. Please help, I am a senior citizen and keeps track of my reports.
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I mailed a VALIDATION letter to kohls department store on XX/XX/2018. I got a copy of my credit report and do not recall this store card. I NEVER got a reply from the company and it's way past the 30 day grace period. As per the FCRA 30 days response is typical and VALIDATION is a contract and or lease signed. I'm asking the company provide that or please delete this credit card from my credit as its causing me distress.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IL)

I logged into my annual report for XXXX. I was going over information and somehow it just kicked me right out of it. I know it was intentanal do to fact i was not even pressing any buttons an exsperion had just told me that i could not access the report do to circumstanance about 15 minutes before i was kicked out of XXXX.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

On XX/XX/2023 I made a payment to my credit card in the amount of {$19000.00} which was reflected on my XXXX billing statement. No updates were made to the credit bureaus so I filed disputes with XXXX and XXXX regarding the balance amount as it was still showing that I owed {$20000.00}. 

On XX/XX/2023 - I received a response from XXXX that stated RBFCU confirmed that the balance was correct and that my dispute was closed. 

On XX/XX/2023 - I received a response from XXXX that stated RBFCU confirmed that the balance was accurate despite me uploading a copy of my most recent XX/XX/2023 bank statement showing the accurate amount. 

By the looks of my reports, it doesn't appear RBFCU has provided an update to these two bureaus since XX/XX/2023, which is concerning considering that XXXX is showing correct information. Due to RBFCU 's failure to update credit bureaus in a timely manner, has caused undue hardship in trying to secure alternate financing, and as a long-term member, I can not understand why something this simple has become an ongoing issue.

About a week ago I wrote in and asked this question and received a response ( that's not been removed from my account ) asking me to call in based on my question. I called member services on XX/XX/2023 and waited o ver 20 minutes to be transferred to the credit department only to be told they couldn't help me and that I could email their credit disputes email address for assistance. I simply would just like my information accurately reported in a timely manner just as it has always been on a monthly basis. I am not understanding why this time is different.
Consumer complaint received 2022-09-16
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2019-04-06
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. (MD)

XXXX XXXX XXXX {$1000.00} There is no valid claim, no contract exist ... account was settled with original creditor by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not  be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2019-04-06
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: Pioneer Capital Solutions Inc (MD)

PIONEER CAPITAL SOLUTIONS {$1000.00} There is no valid claim, no contract exist ... account was settled with original creditor by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (NC)

XXXX XXXX has been contacting me, threatening court, additional charges, and accusing me of ignoring their calls. I am a XXXX XXXX XXXX and was a XXXX  shift XXXX XXXX XXXX XXXX XXXX who had been working 10-15+ hour shifts, driving over an hour to work. 

On XX/XX/XXXX, for almost 30 minutes, I had a credit debt account executive and a manager get on the phone, the manager- a male- constantly interrupting his employee and myself. I asked for information to be emailed and I would check my mail again. He was very aggressive, trying to get me to commit to a payment over the phone and to not fact check anything either one of them was saying. I repeatedly asked for a couple days to review finances and information to which he replied that I'm in this situation for ignoring their calls. 

Throughout 2020, I contacted XXXX XXXX, asking for relief for credit cards due to covid-19 impact, loss of income, and XXXX. The misinformation, inconsistency, and incompetency has now resulted in my account being charged off, after I had set up payment arrangements in XXXX, for a 3 month period. 

I had no clue or was unaware of my credit card account being sold to a collection agency.
Consumer complaint received 2019-04-06
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. (GA)

XXXX {$3700.00} There is no valid claim, no contracts exist ... account was settled with creditor by and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2020-02-06
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. (OH)

I have reached out to you about items on my credit that is not mine. My family is in a situation and needs my help and I cant because of this stuff on my credtt that is not mine. Please remove these items so I can move on with my life. XXXX, XXXX XXXX and XXXX XXXX. There are also alot of inquiries on here that I know nothing about 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 Fl 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 . I have contacted the FTC and local police.
Consumer complaint received 2021-02-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NV)

In reference to new loan terms effective XX/XX/2020 for HELOC, US Bank has confirmed on XXXX, XXXX, 2020 due to their internal processing issue an escrow account was not established on this account until XX/XX/2020. Causing a larger payment due XX/XX/2020. This started the multiple errors, inconsistencies, and misinformation by US Bank. In a letter/response by US Bank dated XXXX XXXX XXXX, They claim a past due balance of {$720.00} occurred for principal and interest and additional late fee assessments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that US Bank advanced payment in this amount and waived all late fees. 
On XX/XX/2020, an 8-page billing statement reflected principal, interest, and escrow reallocations of all my payments. This information is inconsistent with the history statement provided by US Bank dated XX/XX/2020. The reallocations of all payments, clearly showing the inconsistencies with the principal balance as well as periodic daily interest charges. This affecting the periodic daily interest that is assessed based on the principal balance is on the day lived in the home. One example ; the periodic daily interest rate is .00956 % and on XX/XX/2020, with a principal balance of {$65000.00} for 30 days of interest ( for XXXX ) the amount charged was {$69.00} yet on XX/XX/2020, at a principal balance of {$65000.00} for 31 days of interest ( for XXXX ) the amount charged was {$310.00}. This is only one example of the multiple errors & inconsistencies made/reflected with the accounting, payment allocation, payment reallocations, and incorrect interest being assessed/charged to this account.
Consumer complaint received 2021-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (CA)

ATTENTION TO CLARK COUNTY COLLECTIONS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company CLARK COUNTY COLLECTIONS in XX/XX/2017 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2020-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AL)

NewRez had the mortgage on my home. I paid XXXX XXXX {$810.00} Home owners insurance on XXXX. Therefore my homeowners insurance was paid. XXXX said NewRez submitted {$810.00} from escrow. XXXX returned the check to NewRez Therefore there should be at least a {$810.00} overage in escrow. I informed NewRez of this overage and this is the response from NewRez. Claiming to send a check to me on XX/XX/2019. How could they refund my overage on XX/XX/2019 if there was not an overage until XX/XX/2019? I never received any check from NewRez for the excess escrow. I have all document to backup my statements. If NewRez have a copy of a received check I cashed please provided a copy. 

" RE : Subject Property : XXXX XXXX XXXX, AL Reference Number Loan Number : Dear Mr. XXXX : This letter is in response to your recent inquiry regarding the above referenced loan. NewRez LLC ( NewRez ) began servicing the loan on or about XX/XX/2019. Your refund was sent to you XX/XX/2019 in the amount of XXXX. If you have any additional questions or concerns, please contact our Customer Service department at XXXX. 
XXXX XXXX Department NewRez Servicing XXXX ( p ) XXXX ( f ) XXXX
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC (IN)

I have been repeatedly called by the collection agency " Direct Recovery Services '' from the telephone number XXXX. Every single day at the same time in the morning I get a phone call from them. 

I have told them in the past to not contact me via telephone. However, they then started calling my workplace. I spoke with a very aggressive/sarcastic man when they called my workplace. I told them to not continue to call my work to speak with me. This was sometime last month. 

Today, XX/XX/2021, I got a phone call from my grandmother. Apparently, this company is now calling my grandmother about my debt and she told me they have disclosed my debt situation to my grandmother and also told her to tell me I can settle the debt for 50 % and that it would " behoove me '' to do so. I am absolutely floored by this, and I believe it is definitely illegal for them to be doing this. 

I just feel this is over the top for a debt collection agency, and I could deal with them harassing me but now they are also harassing my family members about my debt.
Consumer complaint received 2023-07-26
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. (SC)

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 2019-04-06
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. (GA)

XXXX XXXXXXXX There is no valid claim, no contracts exist ... account was settled with original creditor by and there is no balance and negative payments is still being reported. I am quite appalled and indignant. ( Debts can not be collected twice ) & this has damaged my credit scores. 

Grave errorsfalse claims and reportingsI want this accounts removed or corrected immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2022-09-16
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. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-16
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. (OH)

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

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

1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
Consumer complaint received 2022-09-16
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. (OH)

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

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

1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.