davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2019 I sent a dispute to TransUnion due to 32 items on my credit report being listed as closed accounts with remaining past due balances all reporting multiple lates and duplicate accounts, and unauthorized inquiries. A closed or collection account can not also be past due, that a violation of my rights. On XX/XX/2019 I received a response stating the inquiries will remain. On XX/XX/2019 I sent another request for validation in response to the letter I received on XX/XX/2019. And on XX/XX/2019 TransUnion were updated and remained. 

On XX/XX/2019 and XX/XX/2019 I mailed a request to TransUnion asserting my rights under the : FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by XXXX in providing all information to the creditor associated with my earlier dispute under FDCPA section 808 ( 1 ) provide me with authorized agreement creating the debt, FDCPA section 809 ( a ) ( 4 ) copy of verification sent to the consumer 809 ( b ) cease collection and communication of debt until  verification is mailed. 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute within 30days.

TransUnion has continued to violate my rights. First by ignoring my valid request of validation from which Im entitled to by law, on all three occasions of me asking. Second, they continue to violate my rights with each validation request Ive sent TransUnion updates these accounts to a paid late status on 30+ accounts which are reporting as closed. Mind you none of these accounts have been validated but TransUnion updates late status on closed accounts which is a direct FDRCA violation.

Today, I received a new dispute opened for one account which means once again my rights have been ignored by not removing these items under FCRA611.

Since TransUnion did not comply with any of my 2 requests within the time frame allowed they need to delete the disputed items in question. Please have them comply with the law and my rights by having these disputed accounts removed.
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NC)

I had got a XXXX check from XXXX XXXX that was my settlement, and that is XXXX  XXXX bank , and only to cash the check my XXXX said. I did not want account with the bank. and was standing at the Teller window. and was told to go and sit down me, and my XXXX XXXX : XXXX at as my witness, Her phone is : XXXX and she will also vertify it too. That other XXXX XXXX : XXXX XXXX was talking so fast. and trying to get my open account. and that's not want I wanting. and then XXXX thing they said something and about fraud. My account was closed, and they sould have giving me back the check and they did not. and instead they was telling lies, and covering for each other, I felt they did nothing to help get my money back at once, just like I give it too them. Instaed they gave me the Run-Around for a month. When I should been done had my money. I don't want no bank account, Just my money to pay my bills and my Rent of {$1600.00}. ASAP. This week. and I have consulted a new Lawyer this case. I have been a Identity theft Person for years. Stolen Mail at different Addresses, Stolen everything, Homeless for 34 years, and disable for years. Everything been taken from me and they Truist did that told a man that was XXXX XXXX XXXX, and he had Government Checks and they him they were no good. and Discrimination too. I am a child of XXXX. Amen.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-03-20
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. (SC)

In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, US DEPT ED Account XXXX XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX XXXX Account # XXXX , XXXX XXXX XXXX Account # XXXX, Account XXXX 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 an account without my written instructions.

15 U.S.C 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 2019-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (GA)

My complaint relates to the Comenity Bank XXXX Visa credit card, which is a general-purpose card and is not limited to use at XXXX. I applied and opened my account on XX/XX/XXXX. One of the promotions offered was a {$20.00} welcome gift certificate to be sent to me via post mail within a few weeks of receiving my card in the mail. To date I have not received this gift certificate despite my account being in good standing. I was expecting the gift certificate to be mailed, and carefully searched any letters that were sent to me related to the credit card. I am positive the gift certificate was not sent via physical mail. 

I have reached out to Comentiy Bank customer service multiple times regarding this issue via secure email and phone. The bank customer service referred me to XXXX store customer service, who confirmed the gift certificate is a benefit offered by the bank, not the store. They also said the bank recently went paperless and that the gift certificate could have been sent via email instead of physical mail. The only email I've received from the bank was on XX/XX/XXXX and contained only general information about the credit card and benefits. I never received emails related to my bills or my communication with the support staff. We did confirm that my email address on file is correct and that no emails were mistakenly sent to spam, etc. 

After being unable to assist me, XXXX store support referred me back to the bank, and the bank continues to refer me back to the store. The bank refuses to address the issue and it is clear at this point that they have no intention of sending me the promotional gift certificate. I have closed my account effective today, XX/XX/XXXX. Attached to this complaint are copies of my communication with the bank customer support team via secure email.
Consumer complaint received 2020-02-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (MD)

Ive been contacted by ERC telephonically but they will not identify the supposed debt without me providing them with information. To my knowledge I have no outstanding accounts. I was contacted by them some months ago but they had my phone number and address and a different name. I advised them of this and now the calls are starting again but I havent received any written communication so that I can assess the validity.
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (CA)

I disputed charges on 6 cards around XX/XX/XXXX by phone and followed up in writing. See attached copy of letter for details. I have yet to receive credit for the fraudulent charges. Your records will show that these fraudulent charges were reported within 90 days of occurrence by phone and by mail. Please explain to me why I havent received credit for the other fraudulent charges. I can be reached at XXXX, XXXX or mail address above. Last contact was letter sent by regular mail on XX/XX/XXXX. As of XX/XX/XXXX no response received from company.
Consumer complaint received 2022-03-20
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)

In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, US DEPT ED Account XXXX XXXX, XXXX  XXXX Account # XXXX, XXXX & XXXX XXXX Account # XXXX , XXXX XXXX XXXX Account # XXXX, Account XXXX 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 an account without my written instructions.

15 U.S.C 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 2024-02-14
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (TX)

I have submitted many complaints to all credit Bureau to remove the following UNKNOWN/FRAUD inquiries with ZERO support and ASSISTANCE. They keep responding with the same automated response. These inquiries are HURTING my financial situation and must be deleted from all 3 Bureau 's ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ALSO SENT MULTIPLE REQUESTS TO DELETE INNACURATE REPORTS WITH NO RESPONSE. All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX  XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX  ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 7. XXXX - CARD SERVICES ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. ( XXXX XXXX XXXX  XXXX XXXX XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT
Consumer complaint received 2022-03-20
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, US DEPT ED Account XXXX XXXX, XXXX  XXXX Account # XXXX, XXXX & XXXX XXXX Account # XXXX , XXXX XXXX XXXX Account # XXXX, Account XXXX 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 an account without my written instructions.

15 U.S.C 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 2022-03-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (FL)

This is medical debt. Service date was in XX/XX/XXXX, XXXX was placed in collections XX/XX/XXXX. It is my understanding that a collection agency must wait 6 months before reporting collection on credit report to allow a chance to settle. Credit Control Corporation did not wait 6 months to report collections to my credit report. 
I recently received a bill in XX/XX/XXXX ( see attached for reference ) for the amount of {$1000.00}, my original balance was {$790.00}. It is my understanding that collection agencies can not charge more than the original amount owed.
Consumer complaint received 2022-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Hello, I have submitted all my paperwork for a loan modification and the company keeps saying I need to resubmit the same documents. I asked if I can pay my loan down and they said not until I am approved for their loan modification. It has been months and my credit score keeps dropping drastically because they are reporting missed payments at Shellpoint. I asked for an update on XX/XX/XXXX ( via email ) and it has been over a week and they keep leading me astray. Please help in this regard as I am trying to receive more information about my home. I suffered a XXXX XXXX because of Covid and the pandemic, but I am looking for options with my mortgage. Thank you!
Consumer complaint received 2022-03-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Affirm Holdings, Inc (NJ)

I purchased delivery of flooring through XXXX. I have since canceled it/ advised them of the return. The item was sent to my home- extremely heavy of course, so XXXX  advised they would pick it up. I used affirm at checkout to pay. I also told affirm I am not going to pay this due to I canceled it. 1. Affirm states yes I will. As they report to credit bureaus if I dont. 2. XXXX- well still no pick up. I dont understand how they cant arrange their local store which is 10 minutes away ( XXXX  XXXX XXXX  ), XXXX  or XXXX  to set a day and time. I need you guys to intervene. Not only to send this back but to make sure I am not charged AND my credit is not affected!
Consumer complaint received 2022-10-27
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX BANK XXXX XXXX Open Date XX/XX/2017 Balance : {$6400.00}
Consumer complaint received 2017-08-17
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. (TX)

This is unbelievable Equifax has destroyed my life and are refusing to fix the problem I can not get my score or credit report my creditors can not run my credit I can not buy a house some I 'm stuck renting losing thousands of dollars each month I called 20 times now trying to fix the problem they refuse to fix it they say my file is split but refuse to merge it, they have told me to lie to creditors to try and remove items fraudulently so please help
Consumer complaint received 2022-10-27
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. (NV)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the TransUnion credit bureau XX/XX/XXXX, but no answer was received. 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 Letters they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute letters ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) 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 Bureau 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX, XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, Bankruptcy XXXX  XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX
Consumer complaint received 2022-03-20
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)

XXXX XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

You and your inaccurate reporting has damaged my livelihood.
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MS)

Synchrony Bank closed and sold my XXXX XXXX credit card to XXXX XXXX XXXX, XXXX on XX/XX/2020. They never validated the debt. Synchrony Bank is in violation of 18 USC 1028A when on XX/XX/2020, they knowingly committed aggravated identity theft - Transferring an identification document or a false identification document knowing that such document was stolen or produced without lawful authority selling my credit card and location information to XXXX XXXX XXXX, XXXX. I did not give them written permission to transfer my personal information.
Consumer complaint received 2019-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (MI)

Healthcare Revenue Recovery Group ( HRRG ). An agency claiming to be a Medical bill collection agency, are in fact a complete fraud and are stealing money. They have harassed me for months now. 

They are part of fraudulent entities within the continental United States acting as legitimate bill collectors, where they have harvested information from health providers. They collect the private user data and then use a company to produce mass mailers to collect the money In XX/XX/XXXX, I had a hospital bill that was paid ( late ) but directly to the Hospital. I started receiving letters and call from HRRG in XX/XX/XXXX. The latest letter being dated XX/XX/XXXX and a phone call 3 or 4 times a day since XXXX of XXXX. 

A simple XXXX search of this company will verify that they are a fraud. 

HRRG XXXX XXXX  XXXX XXXXl XXXX, FL XXXX XXXX XXXX XXXX With a mailing address of XXXX   XXXX XXXX XXXX, OH XXXX