davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
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. (NC)

Recently, as a resident of the state of North Carolina, where I have resided for over 52-months, I was given notice that a collection was posted against me by a collection agency known as XXXX XXXX, XXXX. They claim that I owe {$1900.00} on a XXXX account that was under my name 7-years ago before I was married. The account was under XXXX XXXX, but it followed me to my married name XXXX XXXX. This account, if valid can not be collected against me in the state of North Carolina that has a 30-month collection statue of limitations. Also, this account went into default well over 84-months ago. What XXXX XXXX XXXX XXXX did was pick up the collection information from a debt pool program, then changed or dismissed information to lead the credit reporting agencies to believe that they were handed a legitimate collection. Not even XXXX is in the equation on this, and I demanded accountability of the collection in XXXX of 2021. This was the response given to me through the XXXX XXXX XXXX XXXX, as follows : The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. 
There was never any response mailed to me to show that XXXX gave permission to move on a collection against me, not in written form or by an electronic transfer agreement. XXXX XXXX XXXX XXXX is running a scam against me personally, and in violation of the Fair Debt Collection Practices Act, the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX has also violated its subscriber agreement with all four pertinent credit reporting agencies, whereas they posted a collection that is not collectible, nor was there a standing agreement between the parties where any indebtedness occurred. XXXX XXXX XXXX XXXX believes that they can use a process of holding a persons credit standing XXXX, to collect on any debt that they maintain 100 % control on. There will be no disbursement to XXXX from XXXX XXXX XXXX XXXX if any payment arrangement is made as there is no legal debt owed. The 84-month timeline has passed is XXXX had any position on the original account. 
XXXX XXXX XXXX XXXX needs to have their rights to process collections with the credit bureaus, XXXX, XXXX, Trans Union and XXXX respectively. This process must cease permanently, and my personal information must be purged by XXXX XXXX XXXX. 
I demand that XXXX XXXX, XXXX delete any reference to a collection against me from XXXX immediately and permanently. 
XXXX XXXX
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7300.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My current and only address is XXXX XXXX XXXX XXXX, XXXX  XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. You are not authorized to report my XXXX XXXX  XXXX on my credit report or sell any information containing my XXXX XXXX XXXX to any company. Reporting my XXXX XXXX XXXX on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all XXXX XXXX XXXX that your company is reporting on my credit report. My date of birth is XX/XX/XXXX. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My phone number is XXXX. I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My only employer is XXXX XXXX XXXX, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX, XXXX XXXX. Thank you.
Consumer complaint received 2020-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (WA)

This is not my debt, and I have not received a letter from this company verifying the information below. Please upload evidence of receipt, or resend via mail or email the requested information below. I will advise that if this isn't removed from XXXX and XXXX  before XXXX XXXX, I will be forced to file suit. Shall you not remove this erroneous item not verified per the FDCPA, I will be forced to seek damages of {$1000.00} per FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and any additional damages for any violations I find, as well as attorneys fees and court costs. 

This complaint is being sent to you in response to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Provide me with your license numbers and Registered Agent or Agent of Service : Provide proof that you are licensed to collect in my state Thank you, I appreciate your assistance as I verify and validate this medical debt that isn't mine.
Consumer complaint received 2019-06-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NH)

I sent {$50.00} to my brother in the XXXX via Western union App, the money was charged to my XXXX XXXX XXXX account right away. Few days later, my brother contacted me that the generated Money Transfer Control Number I gave him was not successful to receive the money. I called Western union to check the transfer status, talking to one of the Western union representatives, I was told that the transfer was cancelled by Western union and the representative said she didnt know the reason. Why it was cancelled and told that my refund would be available to me in seven days. I did receive my refund after seven days Thinking that the App that I used to send money was the problem, I went into Western Union agent to do the transaction at XXXX XXXX Store at XXXX XXXX XXXX XXXX, XXXX, NH XXXX. 
I completed the transaction with Money Transfer Control Number XXXX and I was told it would be available for pick up in XXXX in few minutes. 

Again, my brother tried to receive the money in the XXXX with MTCN XXXX and he was told the number was not good. This happened after four days, I sent the money. I called Western union again, and the representative told me that Western Union had cancelled the transfer. I asked him why I was not informed and his response was " I don't know I also asked the representative why the transfer was cancelled? He told me that the reason was not available to him to tell me. 

Western Union could have refused my transfer at the time of transaction but they not only refused to inform me of the cancellation of my transfer, they also refused to tell me the reason my transfer was not honored.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (PA)

I contacted Wells Fargo on XX/XX/XXXX asking for help to lower the interest rate in order to make my monthly payments more affordable. To be honest I don't even know my interest rate and the rep never disclosed it. I only see an electronic payment due date and payment amount. I am struggling to make my monthly payment and asked the rep for XXXX XXXX XXXX. My last payment was on XX/XX/XXXX for {$100.00} and I missed my XX/XX/XXXX and XX/XX/XXXX payment and I now owe {$530.00}. I told the rep I could only afford {$50.00} or {$65.00} on a balance of {$2700.00} with my credit limit at {$2500.00}. I've had this card since XXXX  and my balance as consistently been at {$2500.00} or {$2800.00} for the past XXXX years. I've been maxed out the whole time and the reps resolution was to close my card and remove my XXXX rewards. The account was considered closed to me because it was maxed out!! My balance never goes down. I usually was making anywhere from {$83.00} to {$120.00} but with inflation and everything else I simply can't afford to make payments on a card that never changes the total due. I asked if I can make lower payments and stretch out payments to pay the balance off. She said we can't do that. She ended up closing the card but advised I will continue to pay interest and late fees. So basically I will probably end up paying another several XXXX dollars with no benefit to me but full benefits to Wells Fargo Bank. I want to make payments but would like some flexibility and help so I can successfully meet my financial obligations and not fail. I have concerns because each month I am paying approximately {$18.00} in interest, {$40.00} late fee and {$46.00} in cash advance since my card is over its limit amount. So many fees!!! The added fees are increasing my balance but also adding on extra fees making it impossible to bring the balance under my maximum {$2500.00} limit. Wells Fargo even sent me a letter saying to call if I need assistance but they really don't have anything for me. This is causing me extra financial stress.
Consumer complaint received 2021-10-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

On XX/XX/2021, I paid my last VA loan mortgage payment and sold my house on XXXX XXXX XXXX XXXX, XXXX, TN XXXX. I contacted Amerihome on XX/XX/XXXX, in which the Agent stated it was applied and they can see that the mortgage was paid in full. I requested my escrow refund ( {$4100.00} ) to come to the home I'm staying at XXXX XXXX XXXX, XXXX TX XXXX- I never got it. I was told may take up to 14 days, so I called again on XX/XX/XXXX ; the Agent said it may be lost in the mail or take up to 30 days to arrive at my new home with my mail being that it was re-routed to Texas. I waited again until XXXX and nothing came. I called again on XX/XX/2021, to find out why my check never made it to my XXXX address and was told by the Agent that the address on file was still saved to the address where I sold the house ( XXXX XXXX XXXX ) I then told her to update my address to XXXX XXXX XXXX, XXXX, TX and she said that she would cut me a check and it would arrive with 7-10 business days. XX/XX/XXXX, I received an update on the address change confirmation letter but NO Refund check. On XX/XX/XXXX, I called Amerihome and spoke to an agent who stated that it would up to 14 days to look at my case from the date I called. I feel Im just getting the run-around to not give me a refund. Help!
Consumer complaint received 2022-04-08
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. (IL)

Hi, my name is XXXX XXXX contacting the CFPB on behalf of my mortgage with XXXX XXXX  under the account # XXXX. As stated in their response in which I will attach within the last 24 months my account has not had a late payment reporting. Therefore, I am asking to have the in factual late payments that are reporting on my credit report as a late payment for XX/XX/XXXX, and XX/XX/XXXX to be removed entailing what they have responded in the previous CFPB dispute. The company has stated that I was never late therefore, they should have the all XXXX credit bureaus fix the appropriate information. Please see the enclosed documentation.
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

TO WHOM IT MAY CONCERN, I FILED MY TAXES ON XX/XX/2020 THROUGH XXXX. THEY WERE ACCEPTED BY THE IRS ON XXXX XXXX. MY FEDERAL RETURN AMOUNTED TO {$1000.00} AND MY STATE {$110.00} IT STATED THEY WERE GOING TO BE DIRECT DEPOSITED INTO BMO HARRIS BANK CHECKING ACCOUNT # XXXX AN ACCOUNT NUMBER THAT DOES NOT BELONG TO ME!! THE CORRECT ACCOUNT IS # XXXX. I WENT BACK AND FORTH WITH THE IRS AND BMO HARRIS BETWEEN THE LAST 6 MONTHS TRYING TO RESOLVE THIS AND EACH ENTITY TELLS ME ITS THE OTHERS FAULT. IF MY NAME ON THE CHECK DID NOT MATCH THE NAME ON THE ACCOUNT WHY DID IT GET PUT INTO THAT ACCOUNT AND ACCEPTED BY BMO HARRIS BANK?!?! IT SHOULD OF BEEN SENT BACK TO THE IRS SO THEY CAN ISSUE A PAPER CHECK PER THE REP AT THE IRS. THE REP AT THE BANK AND BRANCH MANAGER TOLD ME THERE IS NOTHING THEY CAN DO NOW THAT THE MONEY HAS BEEN ACCEPTED AND THAT THERE IS NO ACTIONS THEY CAN TAKE TO HELP ME. I AM GOING TO NEED TO TAKE LEGAL ACTIONS NOW AND SUE BMO HARRIS BECAUSE THIS IS ABSURD. THIS IS VERY SKETCHY AND I NEED THIS TO BE RESOLVED ... YESTERDAY!!!! 


PLEASE HELP ME SOMEONE!!!!!!!!!!! I WILL TELL EVERYONE NOT TO USE BMO HARRIS BANK!!!!
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

The following credit card accounts and child support account listed on my Equifax credit report is fraudulent, unauthorized, not my accounts and dont belong to me : XXXX XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, {$22000.00}, XXXX XXXX XXXX XXXX, {$8600.00}, XXXX XXXX XXXX XXXX, {$950.00} and the XXXX XXXX XXXX, {$370.00}
Consumer complaint received 2017-09-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (MT)

These people threatened to garnish my XXXX check through and did. The man was very rude even when I said I had no idea what he spoke of, he laughed and thought that was very funny. Me, not so much.
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 

My name is : XXXX XXXX. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX. XXXX OH My current phone number is : ( XXXX ) XXXX All these number are not mind please remove from your database XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX RESIDED HERE FOR 6 YEARS ( XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is a account from XXXX XXXX # XXXX I do not recognize this account I do my business with XXXX this acount is a error please delete.
Consumer complaint received 2022-01-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (SC)

I received a demand for payment of {$1100.00} on XX/XX/XXXX, from Hunter Warfield threatening to charge 6 % interest ( which is illegal in my state ) if the debt was not paid in 30 days. These charges stemmed from my prior landlord XXXX XXXX. I had just moved out XX/XX/XXXX and never received any communication requesting payment prior to the communication sent by the collection agency, Hunter Warfield. I sent Hunter Warfield communications disputing the erroneous charges XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These communications also requested validation of the debt. Hunter Warfield responded but never validated any of the disputed charges. XX/XX/XXXX, collections for these false charges were added to my credit file claiming I owe {$1200.00}. These false charges were reported to the credit bureau ( s ) and are now negatively impacting my credit and my livelihood.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion using Redlining in the Credit Files of Consumers Transunion whose mailing address is XXXX XXXX XXXX XXXX, CA XXXX, has failed to release my credit file to the creditor that I have authorized. Transunion continues to place unauthorized credit file holds on my credit reports causing creditors to withhold credit approvals from me. The actions of this credit reporting agency have caused tremendous hardship to me and my family. Transunion actions are also a violation of the Fair Credi Reporting Act. This credit reporting agency is attempting to blackball me and destroy all opportunities for me to be creditworthy or receive the credit opportunities I deserve in violation of the united state fair Credit Act. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ XXXX ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ XXXX ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.
Consumer complaint received 2020-12-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

Transworld Sys were calling and sending bills illegitimately from an overdue medical bill. I requested proof of the overdue bill but they never provided me with any such proof. I was threaten to make the payment or risk that they would place this occurrence on my credit report if a payment was not made. Reluctantly I made the payments as agreed over a few months but they still processed the debt as a charge-off which was not what I had agreed to, nor did they ever provide proof that in fact this was a debt of mine.

I have made several credit reporting dispute attempts to have this blemish removed from all three reporting agencies but they have only corrected 1 out of the three. To date this erroneous information remains on my XXXX and XXXX  Credit Reports. 

I would like this information removed from my credit reports since I was illegally coerced into making payments but yet in still reported negatively on my credit report. Please have them provide verification of this debt and also remove negative impact from my credit report.