davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

Was called by CBE Group. XX/XX/XXXX about XXXX. They are trying to contact the former owner of this phone number, which I have had continuously since XXXX. I have told these companies to STOP calling this number for that other person. I have absolutely no connection or relationship with that other person other than this phone number. We need laws passed to make it illegal for debt collectors to bother new owners of phone numbers formerly owned by the person who had it sometime in the past. 

XXXX XXXX 's comment about insanity applies here - repeatedly doing the same thing without success, hoping for a different result. The citizenry should be protected from this insanity.
Consumer complaint received 2018-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TN)

A debt showed on my credit report last year from XXXX XXXX for a supposed XXXX  bill that was not mine. I disputed the bill with all 3 collection agencies and it was removed as it should have been. Now a year later XXXX XXXX places the bill BACK on my credit report. Turns our XXXX XXXX and Convergent are the same company so this company after not being able to prove a false account has tried again.
Consumer complaint received 2019-10-08
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)

Hello, I have a new credit card with XX/XX/XXXX for XXXX and it was only added to XXXX. I spoke to XXXX and Experian and they stated the Merchant has to add it. However, XXXX did report to all three bureaus that they updated this information on there part. 
I really need this information to show up because it will help with my utilization that was the purpose of the card. Can you please assist me in this manner with the situation.
Consumer complaint received 2019-05-25
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. (MI)

I have been fighting ID THEFT for sometime now and have several fraud accounts reporting on my credit report. I have sent supporting documents showing this fraud. I have sent notarized documents as well as FTC complaint forms, yet to no avail.
Consumer complaint received 2023-04-10
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. (NC)

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 XXXX Account # XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXXXXXX, has violated my rights. 
XXXXXXXX Account # XXXXXXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2017-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

A company called Transworld Systems INC repeatedly calls my phone asking for my  XXXX   XXXX   XXXX  daughter for debt collection for  XXXX   XXXX  of {$5.00}. I have called the company directly to get this matter resolved and they continue to run me in circles. I have talked to 3 different people asking for them to provide reason and exclude my daughter out of this and they keep telling me it 's a mistake on their part for not switching over the information. I received paper work after 4 months of having them calling me repeatedly and I continuesly asking for the paper work. The paper work recieved says that they can not run an investigation for the amount owed and they still have my  XXXX   XXXX   XXXX  selected for collection. I did not receive any paper work before hand of the amount due. The initial phone call that I received about the amount due was the collection agency needing payment from my daughter around  XXXX  of  XXXX . This collection is from  XXXX  and I had no record prior for the amount due. My  XXXX   XXXX   XXXX  daughter has not recieved any paper work prior to the initial phone call either. They told me by law they did not have to send any information of the amount due before they sent it to collections.
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have received your dispute resolution in regards to account number XXXX from a collection with the original creditor XXXX XXXX and now the collection company XXXX XXXX XXXX. I am glad you sent me your additional documents for my review. I have found that you have not answered all of the disputes from my previous letter to you and in fact did not provide the documentation required to satisfy the act under the United States XXXX Fair Debt Collection Practices Act ( FDCPA ) and are set out in XXXX of that act, which has been codified in Title XXXX, Section XXXX of the United States XXXX. 
# 1 I was not provided any notification from XXXX XXXX XXXX that the debt was transferred to them and when it was transferred to them. 
# 2 I was not provided a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 
# 3 I was not provided with a list of charges that added up to the amount being collected in accordance to what is being reported. 
# 4 I was not provided a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 
# 5 I was not provided with any documents of when the account was sold to XXXX XXXX XXXX no dates, no letter to consumer, but yet you are reporting that you had purchased and open this account with the following dates .... 
XXXX : XXXX XXXX 2016 XXXX : XXXX 2016 TRANSUNION : XXXX XXXX 2016 Not only have I not seen any documentation verifying these dates but you are reporting information that is inaccurate obviously due to the dates being different from XXXX another. 
# 6 On the XXXX report you are reporting the original creditor to be " XXXX XXXX Services. I am not sure how this is possible when you are stating on Transunion and on XXXX that the original creditor is XXXX XXXX. Again you are in clear violation of the FCRA regulations. 
YOU HAVE 20 DAYS TO FROM THE DATE THIS LETTER IS RECEIVED TO PROVIDE PROPER DOCUMENTATION TO VALIDATE THE DISPUTES AND DISCREPENCIES LISTED ON THIS LETTER. IF I DO NOT RECEIVE PROOF OF WHEN THE ACCOUNT WAS SOLD TO YOU, A STATEMENT THAT YOU SENT OUT TO ME FOR THE # XXXX ITEM LISTED, A LIST OF CHARGES ADDING UP TO THE AMOUNT ATTEMPTING TO BE COLLECTED, A LETTER THAT WAS SENT TO ME IN REGARDS TO STATEMENT # XXXX AND ALL INFORMATION BEING REPORTED ACCURATELY TO ALL XXXX BUREAUS WITHIN THIS 20 DAY PERIOD I DEMAND THIS ACCOUNT BE REMOVED FROM TRANSUION, XXXX AND XXXX IMMEDIATELY. 
Thank you, XXXX XXXX
Consumer complaint received 2019-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

For almost 2 months now I have had issues with MyFedLoans incorrectly charging my account. I am in " paid ahead status '' on all of my loans, but despite this, they've told me their computer system does an equation ( which they don't know ), that calculated my loans would not be paid off in time so my monthly amount went up almost {$200.00}. Despite countless phone calls and conversations with managers that said they saw the problem, would work on it personally, and call me back directly, they issue was never fixed. I took it upon myself to refinance with a different company who paid off all but XXXX of my loans serviced through my fed loans ( I did not switch XXXX loans because they had a lower interest rate with Myfedloans ). I saw my full direct payment was going to come out of my account from Myfedloans despite having most of my loans newly paid off. They told me they couldn't stop the payment, but if I called back after the fact they could place it all on the loan of my choosing. I called back and they said that they couldn't change anything. After my loans were paid off my monthly amount due initially went from {$1600.00}, to {$110.00}. Now after a few days the computer has reset it back to {$1600.00}. Also, despite being paid off the system has not yet marked my loans " paid in full '' ( 15 days later ). I have discussed this staff at MyFedLoans who told me it would take a full 20-30 days to mark as paid in full, and that I " over paid '' on some of the loans and the computer would reflect that by placing that over payment on my remaining loans.

I have absolutely ZERO confidence that this company is going to be able to correctly fix any of the issues that I am having. Their customer service representatives have consistently tried to explain at length issues with my account they clearly do not understand and make absolutely no sense. Calling and speaking with their " supervisors '', does absolutely nothing to resolve any issues. I've now over paid on loans that should reflect being paid off and they are STILL trying to charge me large sums of money every month even when I have such a small loan remaining. I desperately need help. I need a definitive solution for these on-going issues.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I have tried to get the bank issuing a credit card to correct their error in failing to deliver my monthly statements in paper form through the u.s. postal service, causing a substantial drop in my credit score because of erroneous delinquency. I have filed a complaint about the bank and the other two bureaus. Now I need to the same because of a substantial change in the score by this company.
Consumer complaint received 2019-10-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2019 at XXXX XXXX PST XXXX made initial contact with me on my cellular telephone number XXXX by XXXX who was attempting to collect on a Synchrony Bank Debt ( Acct. ending in XXXX ) in the amount of {$1500.00}. The phone call came from Telephone number XXXX. 

Violation 1 - On phone call XXXX did not disclose the call was being recorded at the onset of the phone call, but instead was well after the call started. This is a violation of Cal PenalCode 631-636. 

On XX/XX/2019 at XXXX XXXX PST XXXX from XXXX contacted me on my cellular telephone number mentioned above from XXXX. 

Violation 2 - I had previously asked on XX/XX/2019 to be contacted in writing only. This is violation of revocation of consent to be contacted by telephone under The Fair Debt Collections Practices Act And The California Fair Debt Collections Practices Act RFDCPA I do not know why this company insists on recording me without giving proper disclosures and why they continue to contact me after I have asked them not to. This is causing me a lot of stress and anxiety!! I do no know why I must spend so many countless hours trying to fix this companys mistakes. I am now represented by an attorney, but no lawsuits have been filed. I expect XXXX to reach out right away to my attorney XXXX XXXX to discuss the matter only. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Consumer complaint received 2022-08-16
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. (NC)

I am a natural person, i am a human being, i have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : i have the rights to privacy and i did not give Equifax permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-08-18
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. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 2ND '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2019-10-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Braviant Holdings, LLC (NM)

I keep receiving offers to apply for loans. I have not been able to opt out or stop the unsolicited offers. I have put a freeze on my credit. The last mailing was dated XX/XX/2019.
Consumer complaint received 2016-04-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC (CA)

Original creditor claims that They were unfamiliar with collections agency and that I DO NOT HAVE ANY OPEN DEBT WITH THE ORIGINAL CREDITOR THEY SENT ME STATEMENT IN MY FAVOR ; Yet Their AFTER TELLING ME ON PHONE THEY WOULD WORK ON FIXING THIS I SHOULD TRY TO MYSELF?? My Insurance paid this {$480.00} bill I do n't owe anyone but collections agency ruined my credit score basically as my personal bank significantly lowered my credit line and gave false info as they left me with deragatory remarks with open collection unpaid.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NC)

On XX/XX/2024, I sent notice to the following company requesting validation of an allege debt owed pursuant to 15 USC 1692g ( a ) XXXX and XXXX XXXX. They never responded. I followed up with a cease and desist notice on XX/XX/2024 pursuant to 15 USC 1692 ( c ) giving them thirty days to respond and still no notice. I never gave this company written or verbal consent to furnish anything to any reporting agency. This is affecting my reputation and my character. If this company can not provide any of the following, I have requested for them to remove it.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my second complaint about the same issue. When I originally reviewed my report, I found 9 inquiries that I did not recognized and by the time I was able to file the complaint, it increased to 24. Today I found 32 total inquiries that were not done by me on my report. I have no knowledge of them at all. This has got to stop!!! This is affecting my credit score drastically. My original complaint has already been closed by XXXX and none, I mean not one of my issues were addressed at all. I am a living human being, I have right under 15 U S C 1681. The three credit bureaus are governed by this code but yet they are not abiding by it. They have violated my rights numerous times and the CFPB is letting them get away with it. I demand the accounts listed below, be removed from my credit report. According to 15 U S C 1681, I have the right to privacy and I did not give XXXX, TransUnion nor XXXX, written permission to furnish these accounts. 

XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (MD)

I had paid down on my credit card- {$13000.00} and immediately after I did this with the intent to pay some bills, American Express reduced my credit limit to by {$14000.00}. After talking with American Express on the phone to determine what happened, I figured it out online on their webpage what happened. I immediately reversed the transaction and because of this, it shows that I'm over my credit limit by almost {$13000.00} which will also affect my credit score further. I think this is very deceptive and it makes it seem like I have been over spending on my account.
Consumer complaint received 2019-05-25
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX
Consumer complaint received 2017-05-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc. (GA)

I received a call from  XXXX . They were very rude and refused to verify or validate the alleged debt and told me that they will put it on my credit and it will hurt my credit. They will not disclose the address of the agency nor will they tell me the proper name of the agency. When I call, they will not answer. And when I did speak to agents, they yelled and screamed at me and argued with me as well.
Consumer complaint received 2017-05-26
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: U.S. BANCORP (OH)

Too whom this my concern : Hello my name is XXXX XXXX, I received a reliacard from US Bank and I made a purchase on the card for XXXX XX/XX/XXXX and return the purchase on XX/XX/XXXX. I few day past I notice that credit has not return the card, so I call open a dispute. When the rep went over the disputed details I was told that I will received a provisionally credit with 10 days. So today XX/XX/XXXX we are on the 11th day and no credit has been given so when I call today I spoke with XXXX, she explains to me that I would not be getting a credit and I explain to her that I reviewed the term of condition states that within 10 business day the credit will be issues, XXXX stated that we dont have to follow the terms of the card, which I thought was odd. But here are copies of the term of the card, copy of the receipt and detail display the store. Thanks XXXX XXXX