davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (MD)

I discharged the alleged debt with Maryland State Comptroller by sending several negotiable instruments and according to UCC3-603 once a debt says that if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. <P/>My letters are asking for pertinent information that they would not answer according to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) and 15 USC 1692 ( g-j ). I also asked about the original contract and original signature with them along with buying the debt for pennies on the dollar from Maryland State Comptroller. The alleged debt they bought it for {$440.00} and it became {$460.00} and reduced it to {$49.00}. How is that possible? <P/>Therefore, I am filing a complaint with your agency against Penn Credit, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX.
Consumer complaint received 2022-09-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2020-10-20
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. (MI)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DPT EDXXXX Account # : XXXX Account Name : DPT EDXXXX Account # : XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NY)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

In accordance with the FCRA 15 U.S. Code 1681i Transunion LLC, XXXX and XXXX has been violating me for sometime. This is my second attempt to get these alleged accounts removed. I have provided attachments of proof of the inaccurate consumer reporting. I, consumer have the right to privacy and these Consumer reporting agencies have not provided me with any consent to furnish any of these alleged and inaccurate accounts. These accounts are causing me anf my family financial damage. 

15 U.S.C. 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681 Section 602 A. States i have the right to privacy. 

Delete these account immediately, unless you want to be held liable for {$1000.00} per violation XXXX ACCOUNT # XXXX TRANSUNION XXXX XXXX ACCOUNT # XXXX TRANSUNION XXXX XXXX ACCOUNT # XXXX TRANSUNIONXXXX US DEPT ED ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX TRANSUNIONXXXX XXXX  XXXX XXXX ACCOUNT # XXXX TRANSUNION XXXX XXXX XXXX  ACCOUNT XXXX XXXX TRANSUNION LLC/ XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

The following items I have tried over and over with these people and I can't get anywhere with the helping me the following items listed on my report I don't know never did are anything but the go by not answering me or removing the following items needs to be removed from my report. XXXX XXXX XXXX Account number XXXX fraud accout U.S. Bankruptcy Court Reference number XXXX. Never filed any bankruptcy in my life time inquiries : XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Please remove the items and stop them from reporting this is going on long enough now.
Consumer complaint received 2017-04-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TD BANK US HOLDING COMPANY (FL)

On  X/XX/  2017 an d on  X/XX/  2017 I ma iled certified letters to      XXXX   XXXX   XXXX   XXXX    asking them to validate this debt that they say I owe {$7600.00} In validating this debt I requested validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. And that if they could n't they need to follow the FDCPA any debt that ca n't be validated you must request that all credit reporting agencies delete the entry. Well on  X/XX/  2017 I s ent a certified letter to   XXXX    XXXX  explaining my attempts in getting    XXXX   XXXX   XXXX   XXXX    to validate this debt and asked them to do so with proof that debt belonged to me. Well even contacting  XXXX  still no sucess. In fact attached you will see that they violated the FDCPA by not marking it as disputed within 30 days a violation of {$1000.00}
Consumer complaint received 2018-01-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MO)

Navient began by repeatedly calling from various numbers. A complaint was filed XX/XX/XXXX # XXXX. They continue to call-the numbers are blocked but still show that someone has tried calling. XX/XX/XXXX XXXX from XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX. These calls are AFTER they agreed to cease calling! 
They have been directed THREE TIMES to CEASE CONTACT with XXXX COUNTY and yet they continue to fax various departments that have no access to the information they are requesting. 
This is impacting my employment! If I lose my job THEN WHAT?????
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

On XX/XX/2023, I received a notification that my account was closed. I never received a notice from the bank stating why it was closed. I contacted the bank on the same day to find out why my account was closed, and the representative stated my account was closed due to suspicious activity which is completely inaccurate. I've never made any suspicious transactions on my account. My account had over XXXX at the time of closure. 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 2018-02-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (GA)

There is a collection account being reported to each of the three major credit bureaus on my credit file by XXXX XXXX XXXX in the amount of {$7800.00}. This company has continuously called me regarding this debt after I have requested that they communicate with me in writing regarding this alleged debt. After two months I have not received anything in writing from this company. Upon further research of this company, I found XXXX XXXX XXXX is not licensed in the state of Georgia to collect. I contacted the Georgia Secretary of State, XXXX XXXX office and verified that this company is not licensed to collect in Georgia. I also hired an attorney who also verified this company is not licensed to collect in Georgia and advised me to pursue legal actions.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My debit card information was hacked some time last year, and the scammers made repeated online purchases over multiple months, all while my husband and I were suffering with multiple health ailments that rendered us both physically and mentally XXXX 

I discovered this bank fraud when I attempted to withdraw money from an ATM to purchase my medication, only to find my balance was significantly lower than Id seen previously. My husband and I immediately went to the banks manager to report the fraud. We were assigned multiple case claim numbers, and one of them was XXXX. 

Unfortunately, less than a week after we reported this, my husband 's XXXX XXXX XXXX worsened significantly, and my health continued to decline. 

Due to our ongoing health issues, I was unable to check my mail in a timely manner over the last 6 months, as I was in and out of the XXXX XXXX  and physically out of state for a substantial amount of time. 

My husband just passed away this week, and it was only yesterday while my daughter was in town, helping me sort through mail after the funeral, that I found that Bank of America did not find error with {$2900.00} worth of purchases citing that these transactions were reported outside of the timeframe regarding claim XXXX. I was told to contact the merchants directly, but how do I contact vendors/merchants I never made purchases from? I am not sure if any other letters like this exist, or what other fraud purchases were not refunded. 

As I perused more mail, and tracked down the statements with these fraudulent transactions, I am dismayed that company wide advertised fraud protections were not employed in my case. Had any fraud protection methods been used, we would not see XXXX online charges per statement to the same companies XXXX XXXX XXXX XXXX XXXX loans, and online vendors ). Why did Bank of America allow these to occur each month without freezing my account, especially given that I have NEVER made these types of purchases before, and NEVER used my card online, for fear of this very thing? 
How is it possible to have 6 cell phone payments on one statement? Or 8 gym memberships? Or XXXX  loans paid off in someone elses name, that I have never even heard of before? I feel victimized due to my age, health, and XXXX, and further more, unprotected as a loyal bank of america consumer. 

I could really use your help here as this has been deeply traumatizing and is only causing me more stress and grief, worsening my current state and expediting my demise. 

( written with the assistance of my oldest daughter )
Consumer complaint received 2021-09-09
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. (TX)

Notice to all, I am that I am, a citizen of XXXX, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name, XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, XXXX XX/XX/2021. I am the natural person not a third party. I did make this FTC report. I the consumer XXXX, XXXX did not receive goods and services so this FTC and identity block ism valid. You dont have any rights to deny my block of these alleged account an If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance. If you have proof that I received services please have a senior executive certified of the penalty of perjury that a fact that I received goods or services from this transaction.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OH)

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. After calling and disputing them on  XX/XX/XXXX  two days later on  XX/XX/XXXX  I received the attached file which all have same results " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : '' According to FCRA rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it sta tes that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from it 's files. The fact that I received a response 2 days after the receipt of dispute call, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report displays a sign of financial trouble, which is not the case. I am submitting this complaint due to the lack of investigation i to my original dispute for hard inquiries on my report that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. In regards to this issue and have not heard back from Equifax. I would like for the below inquiries to be deleted.      XXXX   XX/XX/XXXX   XXXX   XXXX ,  XXXX .  XXXX / XXXX / XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Eburch Consulting INC (LA)

Today, I told myself let me contact the credit bureaus to see if XXXX XXXX started my disputes for my file. She has been giving me the run around since I paid her XX/XX/XXXX. Nothing posted on her portal, every time you contact her its like your bothering her with questions and asking about your file. Its been a constant then on top of that someone from the group referred before I purchased trade lines with there business. After speaking with the credit bureaus today again no disputes have been sent out. Ive reached out to XXXX calm and asked her whats going on she stated to me that she sent the disputes in. She told me she would not refund me my money. Im a business owner myself customer service is key! If your taking to many clients maybe you should turn some down so you can accurate for the ones that are paying you. Here are screen shots below regarding this! please beware if your trying to find a good credit repair, do you research before paying someone thats lazy and is going to beat around the bush.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have called on numerous occasions in regards to the information being placed back on my credit report. I explained to rep that I was not given the notice before placing these items that I do not have any knowledge of and were previously disputed back on my report. Between XX/XX/2017 and XX/XX/2017 items were removed from my credit report. I have spoke with numerous reps in regards to this matter.
Consumer complaint received 2017-07-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

On or about XX/XX/XXXX I filed Chapter XXXX protection listing my student loans on all paperwork. In XX/XX/XXXX the case was discharged.
I have since sent the information to several servicers who purchased the loans from XXXX XXXX. To date these are claiming that they are aware of the said Chapter XXXX despite them having full access to public records and my submitted the documentation
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It XXXX Concern XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/1994 SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX THESE ADDRESSES DO NOT BELONG TO ME XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX typeApartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident XXXX family THESE NAME VARIATIONS DO NOT BELONG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Requested Correction : please update all info to my correct XXXX XXXX have XXXX all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XX/XX/1994 SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Upon reviewing my recent credit report, I noticed that I had a collection account outstanding with Portfolio recovery and XXXX XXXX, both for {$490.00}. I 've contacted both company 's on 2 separate occasions trying to verify the accuracy of the information provided by them as being owed by me. XXXX XXXX responded by saying that the debt was sold to Portfolio Recovery. I 've since sent a letter to XXXX XXXX asking them to remove the debt as they were unable to verify the account as being owned by me as well as it being sold to Portfolio Recovery. No action has been taken by XXXX XXXX to resolve the issue. Portfolio Recovery has also failed to provide proof to validate the account as being owned by me in accordance with the FCRA. The first goodwill letter was sent out and received by Portfolio Recovery on XX/XX/XXXX, the second was sent out and received XX/XX/XXXX. Portfolio Recovery has provided me with account statements from the original creditor, XXXX XXXX, stating that the accounts are mine however no such document bares my signature.