davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
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. (FL)

There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.

I do not recognize these accounts, and have neve
r incurred debt with these creditors. I do not know where they came from.
Consumer complaint received 2021-02-10
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: Credit Systems International, Inc. (TX)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2017-12-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

Wire withdrawal of {$10000.00} from XXXX ( coinbase ) on XXXX XXXX. I have submitted numerous requests for assistance and get packaged responses or none at all. 

Details below : transfer XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX Transfer ID : XXXX
Consumer complaint received 2018-10-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (CT)

I was divorced in XXXX at which time my ex-husband retained the family home but could not qualify due to poor credit to refinance and also due to the home 's negative equity which was and still is approx {$100000.00} - {$150000.00}. Our mortgage at the time was a conventional loan with XXXX which was reassigned to Caliber sometime after XXXX in XXXX. In XXXX of XXXX Caliber Home Loans modified the loan to an interest-only payment ( on a home already over-leveraged by almost 40 % of its actual current value ) without my knowledge, consent or signature. I am a full co-borrower on the loan, but no longer on the deed. Caliber is stating they did not need my signature to process this loan modification that altered the terms of the loan I had agreed to because I am not on the deed. I am stating that what they did was illegal and constitutes fraud. I have attached the modification agreement for your review. On my signature line, Caliber instructed my ex-husband to write in " N/A ( per quitclaim ''. I contend that Caliber was fraudulent in doing so, and that they did so based on my ex-husband 's sole income, financials and ability to pay, I should be removed from the loan, paid damages for the damage to my credit for all the late payments my ex-husband has made. In addition, I want to stop them from processing a deed in lieu of foreclosure on this property which I have now learned my ex-husband and co-borrower has initiated application for at this time. Contact at Caliber is XXXX XXXX, Assistant VP of Loss Prevention Claims, XXXX
Consumer complaint received 2018-10-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I have repeatedly tried to communicate with the debt collection agency over a period of several months to receive debt validation verification to no avail. I have hired a third party agency to help and they deemed the letters sent by the third party as frugal. They do not want to send me any sort of validation information, and continue to report my debt to the bureaus.
Consumer complaint received 2020-11-28
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. (TN)

I am a victim of identity theft. I reviewed my credit report and found the following accounts that I did not open reported on my credit file. I did not open any of the accounts collections agencies are collecting for. 

XXXX - Balance {$97.00} XXXX  XXXX / XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX - Balance {$860.00} XXXX XXXX - Balance {$2300.00} XXXX XXXX - Balance {$2600.00} XXXX XXXX - Balance {$1700.00} XXXX XXXX - Balance {$820.00} XXXX XXXX XXXX - Balance {$790.00} XXXX - Balance {$1200.00} The following addresses on my credit file are not my addresses : XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2020-11-28
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. (TN)

I am a victim of identity theft. I reviewed my credit report and found the following accounts that I did not open reported on my credit file. I did not open any of the accounts collections agencies are collecting for. 

XXXX  - Balance {$97.00} XXXX  XXXX / XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX - Balance {$860.00} XXXX XXXX - Balance {$2300.00} XXXX XXXX - Balance {$2600.00} XXXX XXXX  - Balance {$1700.00} XXXX XXXX - Balance {$820.00} XXXX XXXX XXXX - Balance {$790.00} XXXX - Balance {$1200.00} The following addresses on my credit file are not my addresses : XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2017-09-15
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. (MA)

On Thursday XXXX XXXX, XXXX and Friday XXXX XXXX, XXXX, I repeatedly attempted to put a credit freeze on my TransUnion account. I tried online, via the automated phone system, and connecting to a representative. The online process and automated phone process would not allow me to proceed to the final step to get a credit freeze. Via the automated phone process, I was re-directed to a phone representative. Each time I was transferred to the phone representative, I only received a busy signal. How do I activate a credit freeze if I can not contact a company representative, or process the activation online, or process the activation via the automated phone system?
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (GA)

Diversified Consultants is attempting to collect a debt from XXXX in the amount of {$2100.00}. I have received no documentation that I owe this debt and even if I did, the debt is listed as " opened in XXXX ''. I have had XXXX since XXXX. It appears that this company has reaged the debt in violation of FCRA. 


DIVERSIFIED CONSULTANTS Account number XXXX Recent balance {$2100.00} as of XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Original creditor XXXX
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (KY)

After noticing emails stating new card sent I signed into online account XX/XX/XXXX and went through steps to close account. 

On XX/XX/XXXX I received an email that stated my account had been unlocked- after I attempted to close this account. 

On XX/XX/XXXX I called customer service and spoke with a person to specifically close this account. 

On XX/XX/XXXX I received an email that my account was reopened.
Consumer complaint received 2022-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions (AL)

Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX {$1300.00} 2. Holloway Credit Solution {$40.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud
Consumer complaint received 2018-10-09
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. (NY)

In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. 
Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. I DO NOT HAVE ANY ACCOUNTS WITH XXXX.. ( NONE ) PLEASE REMOVE ANY AND ALL XXXX ACCOUNTS FROM MY REPORTS.
Consumer complaint received 2020-11-28
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: Experian Information Solutions Inc. (AZ)

Back in XXXX, derogatory data appeared on my Experian Credit Bureau report. The trade line that was reported is Management Support. I advised Experian at the time, I had no idea who they were. Fast forward to present, the derogatory info still appears. I contacted Experian by phone, in part to complain I was never notified of the results of the XXXX dispute, after which I was advised that Experian was informed by Management Support, that their reporting was legitimate. I WAS NEVER INFORMED OF THIS! When speaking to the Experian rep, he advised they were representing XXXX. A ha - I fully know who XXXX is. It's an apartment rental community I lived in, back in 2017. Although I will provide you with detail - - the gist is, after living there for a few weeks, the apartment was infested with ants, and uninhabitable. I advised Experian of this in great detail. I attempted to submit compelling documentation electronically, however, the Experian website, had a technical difficulty in receiving it. Therefore, I proceeded to mail detailed to them in support of my case. The amount in question is {$2200.00}. As an aside, when contacting Experian again, the same day, a representative did not see a dispute lodged against Management Support. It was lodged against XXXX ( where I do not have a dispute ). The 2nd rep I spoke with rectified this on the bureau report. Hadn't I not called, a dispute would have been erroneously filed against XXXX. 
I'm writing to you in order to provide regulatory oversight and intercede to get this matter adjudicated.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has violated multiple Fair Credit Reporting Act laws! I the consumer have sent copies of the violation to the XXXX and the state attorney as well. I have attached what laws Transunion has violated causing I the consumer pain and suffering.
Consumer complaint received 2018-10-09
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

TSI is attempting to collect on a debt they no longer have any legal right to collect on and reporting these collection accounts on my Credit report. This is debt has been transferred to another agency and this agency has filed suit for the collection of these two accounts XXXX is the debt owner and on XX/XX/2018 XXXX and XXXX filed suit on these debts and on XX/XX/2018 TSI reported these debts as new collection accounts. I have already hired the XXXX XXXX of XXXXXXXX XXXX to respond to this suit and I will be filing further suits against XXXX and TSI if this can not be resolved promptly. 

I have been dealing with this situation for 18 months and have made numerous offers to settle the debt in full if I could be provided with proof they were the owner of the debt and that they would enter into a payment plan which laid out payment in full. But I was given the run around by 7 agencies and now I am being sued. 

COPIED EMAIL : XXXX XXXX XXXX AttachmentsTue, XX/XX/XXXX, XXXX XXXX ( 6 days ago ) to XXXX, XXXX, secretary I am writing as I have not received a response to a certified letter that I sent on XX/XX/18, and since that letter I have been served with a lawsuit by another debt collector for the accounts listed below : XXXX Alleged Amount Due : {$27000.00} XXXX Alleged Amount Due : {$14000.00} I have attached a pdf of the letter that was mailed to TSI and which I have already received the return receipt to confirm that your office has received the letter I sent. 


Nevertheless, this email is a final attempt at direct communication and resolution to this matter. If TSI does not remove the collection account for all three CRA from mine and/or any assigned cosigner the next correspondence your company will receive will be from my attorneys office XXXX XXXX of XXXX XXXX XXXX XXXX. It is illegal for your company to place a collection account with any CRA if there is a pending lawsuit that questions the validity of the debt furthermore I have documented evidence that TSI illegally entered into a payment agreement on an invalidated debt and that you entered into this agreement with me as I was under duress of other pending legal action. 


I am requesting that this collections accounts be removed from all CRAs within 10 days from today XX/XX/18, and that you send me a copy of all the requests to have these collection accounts removed and a notice in writing that you will no longer be reporting this debt as you are not the entity who has filed suit for this alleged debt and you are no longer legally allowed to attempt to collect on this alleged debt. 


Please also inform XXXX that I will be filing a counter suit in response to the suit they have submitted against me for this alleged debt. 


Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and request.
Consumer complaint received 2021-09-18
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. (LA)

These accounts, I feel, are having a negative impact on my credit score and costing me XXXX  of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (MS)

I contacted the company on XX/XX/2018 regarding my funds did not come off of my card at the atm. Machine When I got home and pulled up my account it showed that the XXXX came off but nothing was given at the atm. So I filed a disputed each time I called the company they provided different information. First they said they tried to put the XXXX back on their than they told me to wait three business after the 10 days was over after that they stated to wait 45 days. 

XXXX, or utilize the web site, www.usbankfocus.com, for inquiries.
Consumer complaint received 2023-01-19
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. (IA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NC)

I opened an Amex Hilton Aspire card in XX/XX/2020 and paid my federal taxes ( like I and countless others do every year with a rewards earning credit card ) in XXXX. I met the minimum spend within the 3 month timeframe to earn the XXXX Hilton bonus points. 

After noticing it was taking longer than usual for my bonus points to post, I contacted Amex via chat on XX/XX/XXXX. The agent said to not worry because I met the minimum spend and to wait 8-12 weeks. I was told this again when I inquired later on XX/XX/XXXX. 

I contacted Amex again on XX/XX/XXXX via chat and was told my tax payment did not count towards the minimum spend and the time to meet the requirement had passed. 

In summary, Amex told me I met spend back when I contacted them in XXXX, then later told me I didnt when I contacted them at the end of XXXX. Also, they did not acknowledge that it was their fault that I didnt make spend. 

1. Their terms and conditions do not say paying taxes doesnt count towards minimum spend. And a simple XXXX search will show others have paid taxes and received the bonus. 

2. If the agent would have told me during our XX/XX/XXXX chat that minimum spend was not met, then I would have found a way to meet the requirement by the deadline. Instead, the agent told me I had met the spend. 

I have argued this with them to no avail since XXXX. Amex does not hold itself accountable for stealing what belongs to me.