davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
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)

XXXX  is reporting accounts on my consumer report against my will and the federal law. 

I have ask them to remove the accounts XXXX and XXXX of 2021 and they just say that the accounts we're validated which was a lie. I am the consumer and original creditor pursuant to 15 USC 1601g. I regularly extend credit and am a natural person. XXXX never sent my anything requesting a validation. So, they flat out lied and the CEO needs to be put in federal prison for at least one year and fined according to law. I am demanding that you delete all the below accounts immediately not in 30days. You have hurt my ability to obtain credit and live a normal life. I am unable to maintain my family household use due to your negligence and failure to get my permission to report. 
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX To Whom it may concern : ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report TransUnion, XXXX, XXXX do not have my permission to report anything on my consumer report without my permission. I was never asked or notified!

Get these accounts off my consumer report in the next 48 hours or I'm suing the CEO and he can spend time in federal prison for all I care not. He has cost me everything! 2021 Under 15 U.S. Code 1681b ( e ) 1 -Permissible purposes of consumer reports ( a ) IN GENERAL subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.

Concerning the account listed below as a consumer Im demanding the deletion of the accounts below from my consumer report and file. 


1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BROKER SOLUTIONS, INC. (FL)

I received an email where credit karma notifies my credit was checked by a mortgage lender ( New American Funding ) on XX/XX/2023. It provides a housing profile with a zipcode XXXX. I don't recognize this transaction, since I didnt look into mortgages.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I had a credit card with XXXX XXXX XXXX that was charged off and purchased by a collection agency, XXXX XXXX, XXXX. XXXX XXXX contacted me with a settlement offer, allowing me to pay an adjusted amount which would settle the account if I agreed to do so in 4 payments. I agreed and paid off the account. 
After a month went by, I noticed balance of {$740.00} remaining on my credit report. At which point, I contacted XXXX XXXX, they indicated they would submit information to the credit bureaus so the correct balance of {$0.00} would be reflected. They did not. Therefore, I disputed the account, to have the balance to reflect " paid as agreed. '' Today I received a notification from Equifax that the dispute was settled. I immediately checked my credit report and was horrified, my credit had dropped by XXXX points! The XXXX XXXX collection balance was showing {$0.00}. The collection was closed, but score dropped! I immediately contacted Equifax. After having been provided several different numbers to call, I spoke to someone who told me that XXXX XXXX had reported late payments on the account. That is incorrect. I had to pay the account on time otherwise, the arrangement would have been forfeited. I'm not confident in the information Equifax provided. The representative said he would file another dispute of the late payments. I'm not seeing any late payments on the report so I don't know what he's talking about. Even still, paying off a collection and reducing my collection balance should not reduce my score by XXXX points! I did what every lender tells you to do " pay off collections '' and it has hurt me significantly. By reviewing the information that XXXX submitted to Equifax, it is clear to me that Equifax and/or XXXX has made an error. XXXX appears to be saying that I made late payments to them. The late payments were to XXXX XXXX XXXX, which is how they received the account in the first place. It appears that Equifax is impacting my score, twice for the same account! What XXXX is showing as " amounts past due '' is the arrangement that I made with them - not past due payments.
Consumer complaint received 2020-10-13
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: Experian Information Solutions Inc. (AL)

I HAVE A LOT OF FRAUDULENT INQUIRIES ON MY XXXX. PLEASE REMOVE THESE FRAUDULENT INQUIRIES. I AM TRYING TO BUILD MY CREDIT TO BUY A HOUSE. I AM STRUGGLING WITH MY LIVING SITUATION. I NEED TO BUY A HOUSE AND THES INQUIRIES ARE CAUSING EMOTIONAL DISTRESS FOR ME AND MY FAMILY. PLEASE REMOVE THESE FROM MY CREDIT REPORT.
Consumer complaint received 2021-09-20
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. (TN)

I have contacted the bureau and the companies concerning inquiries on my report that doesn't belong to me. Here are the inquiries : XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (WI)

I got a blocked call from a XXXX XXXX. I think he is a courier and process server. 

He left a phone number for XXXX XXXX XXXX, a New York debt collection company. I called the company and asked them what this was about. They said they received an account from Perfect Collection.  They said Perfect Collection received it from XXXX XXXX. They had my address as XXXX XXXX XXXX XXXX in XXXX, Wisconsin. However, they did have my correct date of birth and last four digits of my social security number. 

To be explicitly clear, I did not purchase or lease an alarm system from XXXX at all. I have not and do not live at the address listed. I have not and do not know who lives there.
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MA)

I declare under penalty of perjury ( under laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001.

Further these misstatements are punishable as perjury under 18 U.S.C. 1621.

This item found within my credit report is not related to any transaction that I have made. I am alleging that a person or company-without my authorization used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and is defamation of my character.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to bring to your attention a matter of utmost urgency concerning my credit report. It has come to my notice that there has been a case of identity theft affecting my credit profile, and despite my efforts to rectify the situation, there seems to be a lack of action on your part. 

Upon reviewing my credit report, I identified unauthorized transactions and accounts that do not belong to me. I promptly reported these discrepancies through your Experian, XXXX, and XXXX 's dispute resolution process on XX/XX/2023, providing all necessary supporting documentation. 

Regrettably, I have not witnessed any significant progress in resolving this matter, and it raises concerns about the efficiency of your identity theft resolution procedures. I would like to remind you that, under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to a fair and timely investigation into any reported discrepancies on their credit reports as well blocked and the removal of any fraudulent accounts due to identity theft. 

I believe there might be a violation of credit laws in the handling of my case. I urge you to investigate this matter with utmost priority and transparency, ensuring compliance with all relevant laws and regulations. Additionally, I would appreciate regular updates on the progress of the investigation and the steps being taken to rectify the inaccuracies in my credit report.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NC)

Best Buy card by Citibank. I made several large purchases at this store in XXXX, unknown to me, those purchases which had no interest charges for a certain amount of time, were actually compounding interest, which they charge in one very large sum at the end of the promotion. A week ago I made a payment, and I was {$400.00} under the limit, and slowly trying to pay it off. Today, I found it {$250.00} over the limit because of one of the interest charges. That means my next minimum payment is close to {$300.00}, which I will be unable to pay, damaging my credit which I am trying very hard to fix. 

These promotions, while I'm sure had fine print are deceptive and misleading.
Consumer complaint received 2018-10-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company (TX)

I used J G Wentworth to refinance my homestead at XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. They sent me payment instructions for my first payment, so I mailed it in early to make sure they got it. A week or two later they state that they have sold my paper to XXXX XXXX XXXX. I called Wentworth to find out what happens to my XX/XX/XXXX payment and they assured me that it would transfer with the mortgage. On XX/XX/XXXX, XXXX redraws the payment again for {$3500.00} which means I have paid XX/XX/XXXX twice. I called XXXX and they stated they did not have the XX/XX/XXXX payment transfer to them when the loan was sold. I called J G Wentworth and have not gotten a reply. 2 Calls and an email later, no answer. Please help! 

JG Wentworth was a nightmare to deal with on the whole process bty. 

XXXX XXXX XXXX
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX. XXXX XXXX : XXXX XXXX : XXXX ; XXXX : disputed. No response over 1 year. To add, do not owe the agency because my medical insurance covers yearly medical exam/ check up. 

XXXX. XXXX card is paid in full. Not credit reporting. Paid in full. No late payments. Closest XXXX. XXXX XXXX was not open by me. 
XXXX. XXXX XXXX report late XXXX ; however I am paying on time. : XXXX. XXXX insurance ; XXXX : agreement on payment made XX/XX/XXXX before the report was made as a debt on my credit account, last payment was completed. 
XXXX. XXXX XXXX XXXX : paid off XX/XX/XXXX ; reporting high balance. Closed. 
XXXX. XXXX XXXX XXXX Bank : reporting XXXX ; not my account/ didnt open this account. 
XXXX XXXX : XXXX and XXXX ; paid in full on both accounts ; never late.Bank agreement was to remove and the bank did not. 
XXXX : did not open account ; disputed several times and all XXXX credit bureaus did respond and agreed the account was not open by me. However, still showing on my credit reports
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (DC)

I refinanced my home and closed on XXXX XXXX. My new lender paid off the previous loan in full on that date to PHH mortgage d/b/a XXXX XXXX. I was supposed to be refunded my escrow amounts totaling over {$9000.00}. Instead for the past several months subsequent to my refinace with a new company I have received delinquency notices for several months from my former lender PHH for payments not owed because the loan was paid off in full with no deficiencies whatsoever. I have spoken with them on numerous occassions and they admit that they received the full pay out on XX/XX/XXXX and could not explain why it had not been applied and the account closed. They assured me that they would send my escrowed funds. It is my understanding that the law requires them to refund my escrowed funds within 20 days. It is now 42 days later and I have yet to receive my refund. When I called they said they applied the pay out on XX/XX/XXXX and not XX/XX/XXXX. That is their own internal mistake and does not justify them not returning my money. 
I believe that I should be paid interest from the date they should have paid me until I receive it and if there are any penalities applicable I request that they be imposed. If the shoe were on the other foot they would charge me late fees plus interest. Most importantly they should expedite my escrowed funds to me immediately.
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the presence of fraudulent accounts on my credit report due to identity theft, as reported on identitytheft.gov. The associated banks have acknowledged the identity theft and agreed to remove these accounts. XXXX and XXXX have already removed these accounts. 
XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (NC)

i recently received a copy of my XXXX  credit report and noticed multiple unauthorized hard inquires, to my credit file i did not give permission for anyone to grab a copy of my credit report, my credit report was frozen and XXXX gave credit card companies access. these hard inquires seem to be fraudulent.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

On the XXXX of XXXX, I went to the XXXX gas station On XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and tried to withdraw XXXX, from a PNC BANK ATM using my XXXX XXXX. I then realized I had to move my money out of my savings account to my checking first. So I canceled the transition. Using my cell phone, I moved the money out of savings into my checking account put the card back in the atm ask for the XXXX an waited! ( Nothing came out ) so I reopen my XXXX XXXX looked in my checking account to find the money was gone then looked back at the atm to see a statement saying Temporary out of service I took a picture and then called XXXX a investigating was started Hi XXXX XXXX, We have concluded our investigation of the following dispute : Transaction Details Case Number XXXX Amount {$200.00} Merchant ( XXXX ) PNC BANK We have completed our review and have determined that no credit is due. The transaction will remain on your account because : The ATM provider confirmed the funds were dispensed for the amount requested ; there is no error found in the amount of {$200.00}.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have failed to receive notice of investigation from the following XXXX bureaus : XXXX, Equifax, and XXXX. The following credit report has stopped me from receiving funding and good character when applying for anything. Letters sent out on XX/XX/2022, since then i have received no response.
Consumer complaint received 2021-08-16
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: EQUIFAX, INC. (GA)

Pursuant to 15 USC 1681n ( b ) " any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency or {$1000.00}, whichever is greater. '' As a consumer and a natural person I did not consent to, authorize nor benefit from any of the following inquiries. 

Block and remove XXXX XXXX  XXXX XXXX XXXX from my equifax report Block and remove XXXX XXXX XXXX XXXXXXXX from my XXXX report
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (CA)

Calvalry portfolio service at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Consumer complaint received 2020-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank charged me 9 times {$34.00} insufficient fund fees on my checking account even though l had funds in my account to cover my checks but due to them taking my money they made it appear the funds weren't there. They withdrew funds from my account to companies l don't have an account with.
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I received a letter from Convergent a year ago ( XXXX ) regarding a delinquent cable account in XXXX XXXX with XXXX. First of all, I have never lived in Nevada and secondly, I have never heard of XXXX much less have an account with them. I spoke with a rep at Convergent and they said I would have to take it up with XXXX. I spoke with a rep at XXXX and we found that my info did not match and it was not me and that it would be reported to the collections and credit agencies. Fast forward to a year later XXXX XXXX XXXX, I received another from Convergent regarding the same delinquent account, went through the same process and NOW their info happens to match my info. I believe they updated their account a year ago when we compared information. I looked through some old paper work that I filed away and noticed that Convergent contacted me in XXXX regarding a XXXX XXXX bill that I did not ever have. I'm not sure if it is the debt collectors Convergent or XXXX who are the scammers or both! I have filed a police report for identity theft.
Consumer complaint received 2019-11-11
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. (TX)

XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX The above company is reporting a collection on my credit in error I do not owe this amount. My insurance company paid this.
Consumer complaint received 2020-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

To whom it may concern : This is to bring forth the fact that a validation letter was sent to I.C. Systems for accounts ( XXXX, XXXX, XXXX ) on XXXX, 2020. I.C. Systems had thirty days to respond in which they failed to do so. These accounts are fraudulent and must be removed immediately from all three of my credit reports. No verbal or written contract were agreed upon with I.C. System and furthermore as stated earlier they have failed to validate the accounts the show the following balances : {$940.00}, {$1000.00}, {$1500.00}
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

They have inaccurate information on a debit collection it shows a past due amount and from my understanding that's a violation it shows a past due amount of {$2000.00} XXXX XXXX XXXX
Consumer complaint received 2019-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Bureau of Carbon County (CO)

This collection account was already disputed and taken off my account over a year ago. I was forced into an ambulance against my will and had sent 2 letters of dispute for this balance to the hospital. I the. disputed this with the previous creditor who owned this debt starting XX/XX/XXXX ( XXXX ) and it was taken off my record for being a wrongful debt. Now this company is claiming this debt and restarting the statue of limitations claiming XXXX, with whom this account was closed already, sold the debt and it is within their rights to restart the statue of limitations. This account has been closed for about a year already and needs to be taken off my credit history.