davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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. (MI)

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 the 15 USC 1681. 

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

15 U.S.C 1681 Section 604 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 items of information, other than records of convictions of crimes which antedates the report by more then 7 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 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Federal Credit Control, Inc. (FL)

First federal credit control is trying to collect a debt from womens personal physician when there should not be a balance as services were not rendered. I refused services and did not sign a hippa concent for womans personal to send or sell my medical information to first federal credit. I want this to be deleted as I am disputing the amount as they can not prove any services were rendered nor is there any contract for services nor any hippa disclosure. They are reporting a closed account as open to XXXX, Which is inaccurate information
Consumer complaint received 2021-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My purse was stolen from my car & all my personal information was in it. I have now noticed that someone has been attempting to open accounts in my name.
Consumer complaint received 2018-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation (AL)

Starting in XXXX i begin to have financial problems. I made the mistake of getting one installment loan and then i got another one to pay off the first loan. It eventually piled up and i was in a deep hole before i could realize it.
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, Transunion, XXXX Isn't it true that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes? 
I have sent several letters to ( XXXX, Transunion, XXXX Credit Reporting Agency ) regarding inaccurate information in my credit file. I have not received any response from them and the inaccurate information remains in my credit file. Now I would like to file my Federal Trade Commission complaint formally. 
If you have any questions please feel free to contact at the number listed above. 


Please review inaccuracies that are being reported. Its your job to VERIFY and provide PROOF. As per the FDCPA, I have the right to request a validation of all debt. I request you to prove that I am indeed the party who is by contract obligated to pay off debts specifically for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts as well as all others. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal XXXX Trade Commission ( FTC ) and other state/federal. See attachment which shows almost every account doesnt match the active last day or open account date and some have different monthly payments. ALL inaccuracies must be deleted immediately. Until verification and validation of these accounts attached all MATCH and accurate you must delete. Honestly my entire report has inaccuracies between XXXX, transunion and XXXX it is YOUR job to investigate and provide ACCURATE data. If you cant produce accurate data then you must delete it off my credit report! I have attached examples of how every single account listed doesnt match another credit bureau reporting. They MUST MATCH & BE ACCURATE. Thats your job not mine. In the meantime, Im requesting for the 6th time to delete the accounts listed and update to only one address and you do not have my consent to run my SSN TRACe, monitoring alerts which adds negative alerts to creditors as inOPT OUT OF SHARING MY DATA any further as I opt out of that right due to your negative fraudulent reporting for the credit bureaus
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (TX)

I am a consumer. National Credit Adjusters " NCA '' is a data furnisher under the FCRA. As a furnisher of information it is NCA duty to provide accurate information. NCA is prohibited by law to furnish inaccurate information. I am hereby putting NCA on notice that you are furnishing inaccurate and incorrect information to consumer reporting agencies with proof. National Credit Adjusters, you are not in compliance, and you are furnishing inaccurate information without a permissible purpose. The account has a finance charge of {$620.00} however, you are furnishing that I allegedly owe you an amount of {$930.00} which is NOT the amount of the finance charge and sum of all charges which means you have made a mistake. Due to your mistake I have been substantially injured. I have high interest rates, and negative credit scoring due to this mistake. My marriage is in jeopardy because of this inaccuracy you are furnishing. I demand you to act in good faith and correct the inaccuracies! If you do not, I intend to follow up with legal proceedings. Please review the attachments included for proof.
Consumer complaint received 2018-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AR Resources, Inc. (SC)

I was being contacted by a hospital for an outstanding bill. At the time I resides in XXXX. I verbally communicated with them multiple times that I had insurance to cover the charges and even provided them with the information. As well, I provided written communication with paper copies of the insurance proof. A few months after I moved to XXXX. I immediately notified them in writing and verbally about my change of address and phone number. After this, I never received any notifications from them. I found out one month ago that they had sent my account to collections even when I had spoke with them after they sent it ( my unknowingly ) and was never told. I never received any notifications at my new address or phone number, and now have a debt that has tremendously affected my credit score that should not be on there. 

My insurance is XXXX XXXX XXXX.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-10
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Media Collections, Inc (TN)

I had XXXX install Internet service on XX/XX/XXXX. I paid with my XXXX XXXX card. Two days later I calked to cancel. XXXX agreed, but the next month I got another bill from them. I called, they apologized and said it would be corrected. I contacted XXXX XXXX and put a stop on XXXX receiving any more funds. XXXX XXXX attempted to communicate with XXXX about a resolution. XXXX never responded, so XXXX XXXX resolved the situation in my favor and issued a refund to my account. 

In XX/XX/XXXX I got another bill from XXXX. The agent said they had never seen anything like this. They said that there was an issue with the refund and they couldnt figure it out. I told them to contact XXXX XXXX to figure it out, and to quit billing me. 

I received a letter from JXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letter states that they are trying to collect a debt of {$110.00} on the behalf of XXXX. I called their contact number and spoke to a male CSR. When he asked me if I wished to dispute it and I said yes, that I didnt owe anybody anything, he started yelling at me and would not stop. I asked him repeatedly to stop, but he just kept yelling at me. This went on for a couple minutes, and the guy would not stop yelling, not for a second. I finally hung up on him.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX 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 XXXX XXXX
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (MI)

My Amerisave loan account has been erroneously transferred to the Amerisave Bankruptcy Department. I am not in bankruptcy nor have I ever filed for bankruptcy. My mortgage payments to Amerisave have never been late. On several occasion I have respectfully requested that my loan account be removed from the Amerisave Bankruptcy Department and place back in good standing. Amerisave reported my account to the credit agencies causing my credit score to drop over 250 points. 
I have spoken with XXXX, XXXX, XXXX and several others from the Bankruptcy Department and they were unable to restore my account to good standing, nor could they offer any explanation to justify this error. 
My mortgage statement dated XX/XX/XXXX indicates that on XX/XX/XXXX I was charged {$350.00} for Foreclosure Attorney Fees. I AM NOT IN FORECLOSURE OR BANKRUPTCY! 
Please keep in mind that I am never late for a payment and I always pay about {$650.00} extra to be applied to my principal. 
Please Help
Consumer complaint received 2018-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Credit Management, Inc (AR)

I submitted an Identity Theft Affidavit to the CRA who then notified PROFESSIONAL CREDIT MANAGEMENT that all four of these collections were the result of fraudulent activity. Was successful with deleted them from XXXX and XXXX. But PROFESSIONAL CREDIT MANAGEMENT continues to verify, update and ignore FCRA. I 've sent several letters and attempted to contact the company. The consumer financial Bureau is the last attempt before I commence filing a lawsuit against this company who is reporting fraudulent accounts on my credit report. All 4 of this collection accounts are unknown collections. 

Items Name| 1. PROFESSIONAL CREDIT Account Number : XXXX XXXX. PROFESSIONAL CREDIT Account Number : XXXX XXXX. PROFESSIONAL CREDIT Account Number : XXXX 4. XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Williams & Fudge, Inc (AZ)

The debt collector repeatedly states that they " work '' for the public university, XXXX. They claim they work directly for XXXX University and have to make all decisions with the university, never mentioning " Williams and Fudge '' as their employer or admitting they purchased my debt.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have called back in XX/XX/XXXX in the month of XXXX, XXXX I was advised to call the owner and I have called and sent certified letters and as of today 's date no response to any calls and or letters. I mailed the last certified letter back in XX/XX/XXXX and no response to anything.
Consumer complaint received 2018-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

On XXXX XXXX, XXXX I filed with this site complaint number XXXX regarding the RESPA I sent to JP Morgan XXXX XXXX. The excuse for this JP Morgan XXXX  XXXX not responding was that there was active litigation. The attached is proof there is none. I am requesting this complaint be addressed and answered now. Please see attached dismissal of XXXX XXXX XXXX Court case # XXXX has been dismissed. I am demanding JP Morgan XXXX  XXXX now respond to this RESPA in FULL. I have seen the note and mortgage for presentation, but nothing else.. This RESPA needs to be answered in Full now.
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Wakpamni Lake Community Corporation (TX)

This collection company called my sisters phone number and left a voicemail. When we called them back they were stating they are a lawyer office and were going to garnish my wages for a debt from XX/XX/XXXX. When I started asking questions she said she could not give me details on the loan. I asked who she worked for and she said an attorney in Delaware. She proceeded to call me ignorant and stupid because I kept asking questions about the original company as well as the company she worked for. She informed me they would be sending information to my employer tomorrow XX/XX/XXXX to start garnishing my wages. She called from XXXX ( XXXX XXXX XXXX and when I asked for her supervisor she refused saying she is the supervisor. I advised her I have not received any information regarding this debt and I would not be paying anything until I receive proof. She again proceeded to call me ignorant several more times.
Consumer complaint received 2020-05-06
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$570.00} XXXX XXXX {$4100.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX  XXXX {$85000.00} XXXX/XXXX  XXXX {$800.00}
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2021-10-09
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: BROKER SOLUTIONS, INC. (TX)

For one i have multiple. Inquiry within the grace period. That all should be counted as one. 30 days i do believe. Or 15 either way it's in that time period. Secondly I've only approved one to run my credit. The others should not have ran my credit so. Idk why i have 3 others. I need these removed immediately because now it is affecting my credit and makes it look like I am searching for more credit when I'm not I'm trying to build my credit and this is messing with it I only approved one not four
Consumer complaint received 2019-05-12
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)

Hi, I have several issues with Transunion but the most recent Im very hindered by. Transunion is reporting my credit card usage is up by 38 % and I am holding NO BALANCES my score dropped 50 points???? In 2 days??? Something is clearly wrong! They need to adjust and fix! Also they send me a link through XXXX XXXX for XXXX XXXX  and said I was approved for a XXXX  XXXX  XXXX  cluck the link and it would not affect my score it clearly has!!!!! I am working hard to fix all these incorrect issues in my credit and Transunion has been the only agency Thats difficult and still reporting wrong information! And dropping me 50 points in one day!
Consumer complaint received 2022-04-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (IL)

I HAD A LEASE VEHICLE THROUG XXXX XXXX WHEN I WAS A XXXX DRIVER I TURNED THE CAR BACK IN THE MONTH OF XX/XX/2018 AND I DID'NT OWE ANYTHING THE COMPANY WAS TAKEN OVER BY XXXX XXXX I READ THROUGH A POST I FOLLOW CONCERNING XXXX DRIVER FAST FOWARD TO NOW I WAS CONTACTED BY RECIEVABLES PERFORMANCE MANAGEMENT ON BEHALF OF XXXX XXXX XXXX XXXX STATING THAT I OWE XXXX AND THAT'S UNTRUE I OWE THEM NOTHING BUT THIS COMPANY XXXX XXXX NEVER TRIED TO REACH ME ABOUT ANY DEBT AND I HAVE BEEN AT THE SAME ADDRESS FOR YEARS I FEEL THEY WERE BEING VERY DECEITFUL NOW THIS COMPANY THEY HIRED HAS PLACED THIS ACCOUNT ON MY CREDIT UNFAIRLY AND I AM STRESSED OUT SO PLEASE HELP.
Consumer complaint received 2019-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (NJ)

Regarding Statebridge Company - My mortgage was sold to Statebridge a few years ago. Since online payments can not be processed without a fee, I have set up automatic payments through XXXX Bill Pay - these payments occur automatically monthly. My XX/XX/2019 payment ( sent on XX/XX/2019 XXXX XXXX EST ) was rejected because, apparently, Statebridge changed their mailing address and they therefore were not able to received my timely payment. This rejection only showed on my XXXX  account on XX/XX/2019 XXXX XXXX EDT.

I received a few phone calls from Statebridge to my home - they called in XX/XX/XXXX to tell me of this error and that they will waive any late fee and will not report to the credit agencies due to their error. In addition - I received a letter stating the same. I subsequently made two payments to Statebridge as my XX/XX/XXXX payment was already due - the payments were sent on XX/XX/2019 XXXX XXXX EDT and they arrived to Statebridge on XX/XX/2019 XXXX XXXX EDT.

On XX/XX/XXXX - I sent my XX/XX/XXXX payment which arrived XX/XX/2019 XXXX XXXX EDT.

On XX/XX/XXXX - I received a credit alert stating that I have a " new alert '' - " Missed payment - Statebridge Company ''. My first ever missed payment on my credit report AND I DID NOT MISS ANY PAYMENTS!!!!

I have had many issues in the past with Statebridge but this one is absolutely unacceptable.

I demand the Government take action to shut down this scam company! The reports online are clear evidence that they must be shut down immediately before causing more financial ruin!
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XXXX XXXX, I purchased {$500.00} worth of bitcoin on Coinbase 's app with my XXXX credit card, but the the coin did not come through. On XXXX XXXX they sent me an email saying : " On XXXX XXXX, XXXX, you ordered XXXX BTC via your payment method for {$500.00} USD. 
Unfortunately your transaction has been canceled by our banking partner. If your payment method was charged, you will receive a full refund as quickly as possible. If you have any questions, please contact our customer support team. 

We apologize for any inconvenience! '' I have emailed them a couple times since then and they have been unresponsive.
Consumer complaint received 2018-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (GA)

I was shocked when i reviewed my credit report and found a late payment on the dates below : 30 Day Late - XXXX XXXX 30 Day Late - XXXX XXXX I am not sure how this happened, I believe that i had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.