davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
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, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have 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 States : A consumer reporting agency can not furnish an account without my written instructions. 

I never gave my written consent for the furnishing of any of these accounts. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of my written consent, specifically the alleged contract or other instrument bearing my hand-written signature. Absent such proof, you must immediately and permanently delete the accounts in question. 

If you continue to violate my rights, my associates and I will be seeking {$1000.00} per violation.
Consumer complaint received 2022-08-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Linebarger Goggan Blair & Sampson LLP (FL)

As I know nothing about this matter dated XX/XX/2005 I called the company seeking info. While on the phone call they continually threatened to sue me then wreck my credit and finally put me in jail. I kept asking them why the matter is so old. They said there was no time limit. I asked for proof. All they sent was a fuzzy photo copy of a picture of a an intersection. 

The date on their paperwork is XX/XX/2005. It is 17 years old. 

I feel that they are threatening me. I feel that theyre not legitimate. I feel that theyre giving me false information. I fear this company.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a Mortgage with XXXX XXXX  XXXX, owned by XXXX XXXX XXXX and fell behind due to Covid-19s causing a Loss of Income, my acct was in Forbearance then Denied Deferral, unwillingly I accepted a unreasonable Repayment Plan instead of accepting a Higher Interest Rate and a Longer Term offered by Mtg Co to Make more Money off me and maybe think they can get my House if I fail to make the Payments in the Future in Lieu of Foreclosure after 10 Plus Years, I was helped by a Family Member and Ended the Repayment plan after XXXX Payments on XX/XX/21 and brought Acct Current as of said date, as of today XXXX  has Reported to the Credit Bureaus that my Last Payment was on XXXX/XXXX/21, continuing to Report my Now Invalid and not in Effect Higher Repayment Mtg Payment Amount of {$1300.00} instead of {$810.00}, also the {$3800.00} Payment I made on XX/XX/21 is Reporting as an Increase in my Mtg Balance instead of a Decrease even though on their Website the Info is Accurately Displayed and Current. 
This action has caused my Credit Score to Drop 47 Points making it Extremely Difficult for me to XXXX XXXX XXXX and Cut Ties with this Co, as it seems they are making it very difficult for me to leave, I think the XXXX Co is trying to get back at me and Sabotage my Credit Reporting for their Predatory Behavior I outlined in my earlier Complaint Filing # XXXX Submitted on XXXX/XXXX/21. 
I would sincerely appreciate if someone could take a look at this Co XXXX XXXX Practices towards their Customers, the XXXX. 
I am even thinking of reporting this matter to the XXXX XXXX XXXX and The NY XXXX. 
This action taken by the XXXX Co and XXXX XXXX has affected me both Psychologically and Financially Extremely. 
Thanking you in advance.
Consumer complaint received 2017-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (OR)

Received a mailed offer from AAdvantage/Citibank in my name with a specific code offering a XXXX mile bonus with XXXX XXXX if I spend {$3000.00} in 3 months. I applied and was accepted, receiving the card on X/XX/17. I then spent {$3000.00} within 3 months. I did not receive the bonus and contacted Citi. They said because I had the card previously and closed that account within 24 months, I did not qualify for the bonus. The mailed offer did not state this, and the information received with the card makes no mention of this. If I did not qualify for the specific offer that I applied for, I should have been denied the card, not sent a new card, indicating acceptance of their offer.
Consumer complaint received 2022-08-30
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: Fidelity National Information Services, Inc. (FNIS) (OK)

My complaint is regarding ChexSystems. In XX/XX/2022, XXXX XXXX false made a report to ChexSystems regarding me. I disputed the matter directly with XXXXXXXX XXXX and ChexSystems as well. The information submitted by XXXX was false and should not have been reported. 
ChexSystems received my dispute, investigated the matter, and DELETED, the information. Now, the very same information has reappeared in the report and they are refusing to remove. 
The information from XXXX was not accurate and they did not respond to to substantiate the alleged information within the time allotted by law. 
This information, under FCRA, is not permitted to be reported again and again after being removed and deleted causing me to have to dispute over and over. 
I am attaching a report from XX/XX/2022 that clearly shows that the item had been removed and this is what the letter from Chex stated. The original report from XXXX had been made in XXXX so it is clearly removed.
Consumer complaint received 2022-08-30
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. (GA)

On XX/XX/XXXX I was denied credit because of TransUnion for using my information without giving them written permission XXXX XXXX Dear TransUnion I'm the consumer and natural person, I was denied credit by XXXX when applied for a loan Adverse action against a consumer is AGAINST THE LAW according to the Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that was discriminated against by Upstart due to the response received.

TransUnion is in violation of 15 U.S. Code 1642.

U.S.C 1681m and 12 cfr 1002 because I, the consumer. made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of TransUnion
Consumer complaint received 2023-06-23
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. (AL)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XX/XX/2022 - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX - XX/XX/2022 - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX To Whom it May Concern, I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : XXXX XXXX XXXX XXXX, XXXX XXXX Phone Errors : Name Errors : My correct social security number is XXXX. With the amount of identity theft going on, I am very fearful that some could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-30
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. (TN)

On XX/XX/2022 Credit Bureaus reported they did a proper investigation to my XXXX  XXXX account. As you clearly see its missing the months of XXXX. 
If XXXX XXXXXXXX was reporting where are the documents. 
This is hurting my credit/FICO score.
Consumer complaint received 2023-06-23
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. (MD)

This is a formal complaint that XXXX, XXXX and Equifax are reporting inaccurate and incomplete information on my credit report. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. The notation of the following late payments is INACCURATE. I have notified each bureau in writing about the inaccuracy of information in my credit file. Under FEDERAL LAW the credit bureau must modify or remove inaccurate or incomplete information. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance, whether reported or not. 

Account : Dept. of Education/XXXX Account XXXX : XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number : ( XXXX ) XXXX For reference : All 16 accounts, the creditor reported XXXX XXXX " Current/Terms met '' ; XXXX XXXX " Past due 90 days ''. This is impossible and therefore inaccurate!!!! These INACCURATE accounts should not be furnished on my consumer report as they are in VIOLATION!! 

Please update all payment history for these accounts to XXXX  status ( Paid As Agreed, Never Late ) according to consumer protection laws or delete from credit report IMMEDIATELY.
Consumer complaint received 2022-02-24
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. (VA)

I am, XXXX XXXX consumer and natural living person submitting this complaint and there is no third party involved. XXXX XXXX committed fraud on my consumer report, and I did not consent, benefit nor authorize these hard inquiries on my report. I demand XXXX XXXX to remove immediately.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (TN)

My complaint is against Freedom Debt Relief. I signed up with them because they said they could settle my debt quickly and improve my credit score. I paid them {$590.00} twice per month. I got several alerts that settlements had been made, but to my surprise, after over a year of paying them every month, none of my accounts have been settled. On top of that, they took {$590.00} out of my personal banking account on a date that was not allowed or authorized by me. My bank had to work to get that money back in my personal account because Freedom Debt Relief would not. I tried talking with them, I spoke with supervisors and I spoke with XXXX XXXX and they would not help. 
Freedom Debt Relief has mislead me and made my financial situation worse. They told me not to pay on my debt and tell anyone that calls that my debt was being handled by Freedom Debt Relief however, nothing was settled. 

They mislead me about their services, my rights, their negotiating power etc. They told me they can negotiate with any creditor and thats why i dont have to take any creditor calls. And if they say FDR cant work with them, then they are lying to me. But really, Freedom Debt Relief ( FDR ) was  lying to me. 
Thank you.
Consumer complaint received 2022-08-30
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. (GA)

Hello. In XX/XX/XXXX I owned a XXXX XXXX XXXX vehicle. That vehicle had broke down in XXXX, FL and I had it towed a dealership called XXXX XXXX XXXX. XXXX XXXX XXXX would not work with me to setup a payment arrangement because at that time I had also lost my job due to Covid. So I had a monthly payment due as well as now the vehicle needed repair. I immediately sent an email back to the manager on XX/XX/XXXX advising them to pick up the car because I could no longer afford the payments. Please see first email attachment. The balance on the car at that time was a little over XXXX owed. I also spoke to the same manager over the phone and they also confirmed they will be sending someone to that dealership to pick up that vehicle. I then called the dealership and advised them to NOT work on the car since it will be picked up by XXXX XXXX XXXX Well months go by and I never heard another word from anyone. I just assumed the car was picked up. I was just waiting on the final deficiency balance to arrive in the mail. Well toward the end of XXXX early XX/XX/XXXX I started getting calls from XXXX XXXX XXXX looking for the car. I was soooo confused then followed by a letter in the mail stating XXXX of XXXX XXXX SOLD the car at an auction. How is that possible?! I then received a call from a tow driver asking when will be a good time to pick up the car? We are like 6 months into a new year and the car should have already been picked up but XXXX never picked up the car. I then forwarded a copy of the auction letter over to the tow driver who then stated he will be reaching out to XXXX XXXX XXXX since it showed he was looking for that car in my possession. Please see second screenshot of the letter. A few weeks later in mid XX/XX/XXXX I then received another call from someone in collection at XXXX stating I will owe the balance of XXXX ... .How the balance jump from XXXX to XXXX? That is not right. According to the law I was under the impression the car would be sold and I would pay the difference which is called a deficiency balance which should be way lowered than the XXXX... So XXXX XXXX XXXX has NO CAR to sell but yet displaying that full balance on my credit report. That balance is inaccurate and I need representation to get some help with clearing up this issue.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (OH)

I've contacted all 3 credit bureaus. I'm extremely upset with how XXXX and XXXX have delt with me. I sent 2 letters to them, First dated XX/XX/22 second dated XX/XX/22. I was told they did not receive either letter. They wanted me to file a complaint over the phone with XXXX of their employees. I did. However i asked them to send copies of corrected information, which they could verify through the hard copies i sent of reciepts and statements i got off line showing accounts paid. I also asked them to remove collections they did not belong to me. I also asked that they send information to me where i signed an agreement with these companies who had me in collections on my credit report. A corrected credit report. My current Credit Score. 
Neither XXXX or XXXX sent this information within the 30 days given. When i did receive information they had it listed as VERIFIED. No proof with my signature that i was responsible for the debt. 
The debt collectors was Midland Funding, XXXX XXXX, and XXXX. 
Midland Funding sent nothing to me with my signature. I was sent a notice asking that I pay {$630.00}. Nothing with my signature showing I owed this company. I rceived nothing from XXXX.
Consumer complaint received 2022-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc. (WI)

I got XXXX XXXX at XXXX XXXX in XXXX XXXX Florida. I paid my copay of {$40.00} each time. I stopped getting therapy around XXXX. In XXXX I get a collection notice from Merchants and Professional Collection Bureau saying I owe {$330.00}. I called them saying I paid and asked for the back up. XXXX XXXX said she would not send me anything. I mailed the form back saying I paid and dispute any debt. 
I called XXXX XXXXs in XXXX XXXX. XXXX and XXXX were surprised I got a bill and both said don't pay it. XXXX sent me the ledger showing a column with Patient Balance at XXXX. 
In XXXX I get a letter from Merchants saying they have verified the debt and enclose a redacted copy of the letter. The column showing Patient Balance was whited out. I tried to explain this to XXXX but she wouldn't listen. I emailed XXXX and XXXX XXXX at XXXX XXXX enclosing the actual ledger showing I owed nothing. I have not heard from them. 
They probably have violated Sec. 807 of the FDCA by making a false representation of the amount of a debt.
Consumer complaint received 2022-08-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (LA)

I entered into a loan modification because I was not able to go back to my pre-COVID job The job I have now pays 50 % less than the one I had for almost 30 years. In fact, I am in a totally different field since I am unable to do the work I did previously I was not in foreclosure when I requested the modification I received notification that my payments would be on a 4 month trial and if I complete the trial, I would be on a modification which was worse than I had previously but I was told by the company to take the modification or refinance. I could not refinance so I took the modification, I paid the first two payments by rapid pay through their phone system. They then reported me to the bureau for being late. After that fiasco, I overnighted the payments which were worse, they received it by the deadline but refused to credit it timely. They were received by the due date but never credited on time so they reported me again and my wife. This company Dovenmuehle does this to me all the time with a previous loan, I'm so sad XXXX ( I never had this happen with XXXX ) sold to XXXX XXXX who uses this servicer. I tried to resolve the matter by sending the servicer a notice of error See attachments They fixed the error once but then again trashed my credit Im still waiting on accounting for the lump sum payment they received in XX/XX/2021. I think this is retaliation for a previous reporting to this agency for their tactics This is all a violation of the FRCA. The account was supposed to be frozen during this period and now I checked my credit to see that they are saying I owe them over {$7000.00} after paying the four reduced payments. How is this allowed?
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

THIS ACCOUNT IS NOT BEING REPORTED AS CLOSED. REPORTED AS PAID AS AGREED YET IS A CHARGE OFF AND THE BALANCE IS INCORRECT. THIS ACCOUNT IS VIOLATING MY RIGHTS UNDER THE FCRA AND FCRPA AND NOT EVEN REPORTING TO THE EQUIFAX ACCOUNT BUT ONLY IMPACTING MY FICO SCORE.
Consumer complaint received 2022-08-30
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. (AR)

I have filed and called and attempted to go every avenue to handle this situation. I have received no response from the bureaus nor from the creditors. the following files are FRAUDULENT and need to be permanently removed : XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX  XX/XX/2021 XXXX XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (AL)

I change car insurance in XX/XX/XXXX. I got a call from the former insurance company after I change insurance stating I owe a payment from XX/XX/XXXX. Which is not true! I paid my insurance up until I switch to the other insurance company.