davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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. (OH)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$13000.00}.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened an online account with Capital One. I used my mobile phone to deposit 2 checks over a year ago. Each time I try to access my funds I'm message to contact Capital One. I've left several messages as you can not access a human being and have yet to receive a call back. 

I just want to close my account and get my money back ASAP. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2019-10-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (HI)

My medical insurance reversed a bunch of payments saying that I had other health insurance which wasn't the case. I notified XXXX, the original creditor what had happened and they were supposed to resubmit the claim to tricare for processing. They never did, even though I called XXXX XXXX billing department on 12 different occasions. Recently XXXX turned over the debt to Medicredit for collection. Rather than contacting me about the debt to be disputed they went and placed it on my credit report. 

I contacted medicredit to dispute the claim and they sent me back a letter saying that I was wrong and the debt was write which is a failure to validate the debt.
Consumer complaint received 2019-10-01
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. (FL)

I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.
Consumer complaint received 2019-10-01
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. (TX)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX card partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$5700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-10-01
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. (TX)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX card partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full in XX/XX/2019 in the amount of {$5700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-06-12
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. (NV)

For the past several months I have submitted documents against the credit reporting agencies XXXX, Equifax, and XXXX XXXX. All I get back for a response is the Bankruptcy is valid. I never submitted documentation with my consent to fish for information to add to my credit report. I have filed charges with Nevada State Attorney General for Identity theft.
Consumer complaint received 2019-04-03
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)

On XX/XX/19 I disputed a collection account on my credit report. I have never been contacted by XXXX XXXX and they have never verified the debt because the debt does not exist and is false and not valid. It is not on any other report. On XX/XX/19 Transunion stated that the debt was valid and did not delete. That is not correct because again this is not a valid debt and XXXX XXXX has been on my Transunion since XXXX and has not once validated this debt. This is illegal reporting and needs to be removed immediately. Transunion has my personal info on dark web and I get 50 spam scam calls a week. Their clarity also reports inaccurately as well. This illegal collection needs to be removed within 30 days. XXXX XXXX should also be on the hook for illegal reporting and I have no collections and XXXX or XXXX either. Also my credit balances decreased as paid off and all my other credit went up but Transunion went down because paid off. They are reporting incorrectly and this needs to be fixed immediately.
Consumer complaint received 2019-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (TX)

This letter is in reference to # XXXX by XXXX XXXX XXXX , XXXX, XXXX XXXX, CA XXXX. I first was contacted by telephone on XX/XX/XXXX from associate Mr. XXXX XXXX ( XXXX, ext XXXX ) in an attempt to collect a debt reportedly purchased from PayPay Inc for approximately {$650.00}. This was the first contacted and first time I was made aware of such a claim. I requested a written statement of the disputed balance ( amount owed ), verification of the debit, name of creditor, and origin of the claimed debt to the mailing address which they declined to perform. I then asked for an emailed copy of this information which they declined to perform. They stated I needed to log-in to a company portal to view this information, but in doing so may waive my consumer rights. I have formally requested to dispute the amount and have mailed a written request mailed XX/XX/XXXX. 

Secondly, this is an attempt to collect an invalid debt. I reviewed prior transactions with PayPal, Inc and have no current or prior outstanding balance. I also in the entirety of my account had purchases in sum not exceeding {$100.00}. I contacted PayPal Holdings, Inc by phone on XX/XX/XXXX at approximately XXXX XXXX  with Mr. XXXX and Mr. XXXX ( # XXXX ). According to the PayPay Holdings, Inc records they confirm that the account is current with XXXX balance and no active collections in process. They further confirmed there has not been a balance outstanding on the account and stated no attempt was initiated by PayPay Holdings, Inc to collect on a balance. 

Third, in confirmation using the government ability to review my credit report, there are no current charges or claims listing outstanding or debts in arrears.
Consumer complaint received 2023-06-13
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. (IL)

XXXX is showing a charge off on my credit file of {$42000.00} and this account does not belong to me. they've went as far as saying they have verified the information ; this information is in result of identity theft from someone stealing my information and law 15 usc 1681b states permissible purpose of consumer reports which they have broken I just want to get these accounts off that do not belong to me which XXXX and Equifax have on my account.
Consumer complaint received 2023-06-13
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)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}, XXXX XXXX Balance : {$9200.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

My loan servicer was Fedloan Servicing. I had Fedloan Servcing set up as the bill payee for my student loan through my bank pre pandemic. I stopped paying my loan during pandemic and didn't update my bill payee to XXXX, which became my new loan servicer after Fedloan Servicing shutdown. I made a {$200.00} payment to Fedloan Servicing on XX/XX/XXXX  in error. The {$200.00} was somehow accepted even though Fedloan Servicing no longer exists. I've contacted XXXX and my bank, neither can do anything to get my money refunded. I'm not sure what to do as Fedloan Servicing customer service no longer exists.
Consumer complaint received 2023-06-13
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. (GA)

I am contesting the presence of unauthorized credit inquiries on my credit report, which were conducted in violation of Permissible Purpose 15 US Code 1681b ( a ) ( 1 ) ( 2 ). These inquiries were made without my consent or knowledge, infringing upon my privacy rights and potentially harming my creditworthiness. I have not granted permission to any individuals or institutions to access my credit information or initiate credit inquiries on my behalf. Such inquiries were conducted without a valid permissible purpose, as defined in 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and section 604 of the Fair Credit Reporting Act ( FCRA ). I hereby request an immediate investigation into these unauthorized inquiries and their prompt removal from my credit report. I kindly ask that you update my credit report accordingly and furnish me with an updated copy once the necessary modifications have been completed. The unauthorized credit inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 anticipate a swift resolution to this matter, in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates a response within 30 days of receiving this correspondence. Should you require any additional information or documentation to aid in the investigation, kindly reach out to me using the contact information provided with this dispute. Thank you for your attention to this dispute. I have confidence in your ability to address this matter with the required diligence and professionalism.
Consumer complaint received 2023-04-07
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. (DE)

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. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX 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 2018-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/XXXX I sent out a validation letter requesting validation of debt. In the letter I asked XXXX Care Credit ( XXXX XXXX ) to validate debts by providing me with 1. agreement with creditor that authorizes collection on debt 2. agreement bearing my signature stating I agree to assume debt 3. valid copies of debt agreement stating amount and of debt and interest charges 4. proof that the statute of limitations has not expired & 1. complete payment history along with an accounting of all additional charges 2. proof they are licensed to collect in my state 3. license numbers and registered agent 4. cease any credit bureau reporting until the debt has been validated by me. 

As of XX/XX/XXXX I have not received a letter in response to the validation request however on XX/XX/XXXX the collection was updated to the Credit Bureaus
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$28000.00}, XXXX XXXX XXXX Balance : {$4400.00}
Consumer complaint received 2023-04-07
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: SYNCHRONY FINANCIAL (TX)

In accordance with the fair credit report act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions under 15 uscs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Profit Recovery, Inc., Marlborough, MA Branch (NM)

Late XXXX  I had a dental bill that my dentist was resubmitting to my insurance because they said it was unnecessary work ( he replaced a XXXX XXXX ). I never saw a bill from the dentist ( XXXX XXXX XXXX XXXX ) so thought it was taken care of. I retired and moved in XX/XX/XXXX. I received a bill via US Mail from American Profit Recovery on XX/XX/XXXX stating principal was {$750.00} and interest {$540.00}. They said they tried to call me multiple times but I don't believe I ever saw any calls from them which may be because I don't answer calls from unknown callers. My address has been public information for years. They could of sent me mail in XXXX  instead of accumulating {$540.00} in interest! I tried to dispute this with the representative on the phone but was instead threatened that it would go on my credit report. So I went ahead and paid.
Consumer complaint received 2023-04-07
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)

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.
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (MO)

This closed my account because they said fraud charges on my account and then closed it. I dispute all charges on what they were talking about and it was from XXXX XXXX  they charged me like {$1000.00} in credit card debt but before those charge my card was locked and i had and avialabe credit of $ XXXX en i finally spoke with a agengy about it this was in XXXX and i m thinking everthing would be good all charges got credit back and brought my account back to a XXXX balance but they closed my account and said that cant reopen my account. SO then im like can u open up me another account they told me that t hey cant and then when i asked about my avaiblae credit that was on the account they told me they would mail it but i never got no mail until i got an alert last week saying i owe {$290.00} and when i logged into my aspire account i sent they charge me back on {$290.00} that XXXX did and opened up another account with that balance saying i owe that money and Im like WOW.
Consumer complaint received 2019-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (IA)

Identity scammed in XX/XX/2017. Notified XXXX and the others, filed police report and complained to the bank US Bank.Cleared the overdraft charges with XXXX XXXX XXXX XXXX and paid out of pocket. Nothing was done to satisfy the other damages to discredit my name. 
A title Loan was satisfied by taking my auto ; but, my credit was not cleared. Other evictions on my credit were appealed with little success ; however, the incident is over 12yrs old and should have been cleared.
Consumer complaint received 2018-04-09
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: ALLY FINANCIAL INC. (MS)

I recently received a copy of my credit report and saw that there is a hard pull on my credit from your company. 

I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. 

Therefore, I believe that I am a victim of Identity Theft. 

Please contact the credit bureau at once and have this had inquiry removed. 

Please send me confirmation that my request has been honored. 

Thank you for your cooperation in this matter.
Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have already sent disputes to the bureaus and to the creditor asking to remove the late payment marks on my report as I was never late paying the account. I never got any response from them. I sent another letter asking them for any documentation that will prove that I was ever late on this account but did not get any response. 

Also, the way they are reporting the account is incorrect. I am seeing repetitive 60-day marks which is incorrect.