davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Acceptance Corporation (CA)

Please review my Inquire # XXXX I filed it with the CFPB on XX/XX/2021. On XX/XX/2021 I received an automatic email from the CFPB stating the Debt Collector has not responded to my inquire, this last XX/XX/2021 I received another collection letter from them, It clearly shows this Debt Collector doesn't have any interest to respond my DEBT VALIDATION LETTER I submitted along with the previous inquire. 
Im attaching the collection letter received from this debt collector LEONARD & ASSOCIATES demanding now {$170.00}. I'm attaching the letter received.
Consumer complaint received 2017-01-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (PA)

Im so tired of How the bank rearranges my debits and constantly charges over draft fees I spend most of my money back to the bank in hundreds Im on a fixed income and I know if I use my card and money not there I get a {$35.00} fee..However I also go to atm pull mini statements and call almost daily to keep track of my acct ONLY to notice that they rearrange items and Hit me with {$70.00} fees at a shot several times I cant afford this and after yrs of watching this happen I came here to find help. Example My automatic ins pmt came out, it left me minus over {$200.00} they pd it and charged the fee {$35.00} Ok ( it wasnt suppose to be on auto pmt ) so got it Now that was pd on XX/XX/XXXX it was on my auto call when checked acct ..My Deposit came in of {$310.00} and {$22.00} so it covered that pmt and fee but left me still overdrawn over {$200.00} and both were done around same time due to early deposits for holiday Yet although dep was in I was charged {$70.00} My XXXX deposit of {$430.00} came in and Now they changed the dates of actions ( to XX/XX/XXXX ) and I had {$160.00} to the good then bank charged me again {$70.00} and left me minus $ XXXX..This has been happening like forever I need help ... ... also I have been minus at times but went right away to put the money in on the same day but still charged {$35.00} fee It use to be if a dep was made prior to XXXX that same evening, no fees were charged Well not anymore I went to bank to question it.. Thanks XXXX XXXX
Consumer complaint received 2024-02-03
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. (NY)

XXXX XXXX  XX/XX/XXXX {$3600.00} There also were inquiries that i obtained without my knowledge. 
XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA and FDCP and FDCPA laws?

5. Have you reported to the consumer who all has reviewed the original contract information with his/her original signature? 
6. Have you provided the names of all creditors that have provided names and addresses of the individual person who has reviewed consumer relations?
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX TX XXXX Attention : Credit Dispute Department This letter is being sent to you in response to a notice sent to me on ( XXXX XXXX XXXX ) or a listing on my credit report the following loans ( XXXX XXXX XXXX XXXX  ), ( XXXXXXXX  ) and ( XXXX/Dept of Ed-XXXX  ). i received official letter from last loan that my loan was passed to was paid in full. Be advised I paid this debit off and as such this is not reported correctly and, a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested. 
Violation of the FCRA Violation of the FDCPA If your offices can please remove this from my credit immediately that would satisfy this urgent request. 
Best Regards, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2016-05-24
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I received wage garnishment at my employer from XXXX XXXX XXXX collecting alleged debt for Asset Acceptance. They claim the filed a judgement against me but I have no knowledge or documentation regarding this alleged debt. They claim I was served but documents and proof of service claims they served a XXXX XXXX who does n't exist and I have no knowledge of who that person is. I asked for debt validation from XXXX XXXX XXXX or Asset Acceptance and they have failed to provide it. I just want clarification on this alleged debt. I have attached documents that XXXX XXXX XXXX has provided along with false proof of summons fromXXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Please help me to get these companies to comply with debt validation and have them investigate. Thank you
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There is a public record showing on m report that is causing an identity mix max error on my credit report and it is being reported from ( XXXX XXXX XXXX XXXX I do not have an agreement with XXXX XXXX XXXX XXXX to report any of my private information to the credit bureau on my behalf. I called the us district court and they could not provide a case in my name for reference, called my local municipal court and they could not provide a case in my name to reference either while they are not members of the credit bureau nor do they report anything to the credit bureau all case information has to be paid for an you must be a party within the case to post case information publicly.

This information that is showing on my credit report needs to be DELETED '' from my consumer report as this is a direct violation of the fcra, and violation of the local rules for U.S. District Court
Consumer complaint received 2015-08-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN EXPRESS COMPANY (MI)

XXXX charged {$49.00} to my AM Express card for anti-virus software on the basis of an " automatic renewal '' provision in the prior year 's delivery of software. I attempted to advise them not to deliver any product. They say I was unsuccessful in my attempts and therefore I owe them the fee. I have disputed this through my credit card. 

They appear to premise my desire for their product on an automatic renewal process. While viewing the " automatic renewal '' as a scam unto itself, I also contend that they intentionally make difficult any efforts by consumer to " decline '' their product. I made reasonable efforts to notify XXXX that they chose not to heed. 

Attempted Communication : I responded to each email that XXXX sent to me on this topic in XXXX and XXXX of 2015. However, responding using the method of their choice ( email ) and to the address they use to contact me - resulted only in an email response to me indicating it was an " unmonitored '' email box. XXXX got my email but chose not to review the content. They chose to put some hurdles for customers to overcome to communicate and stop XXXX 's unsolicited contact. 
o XXXX 's automated response said, among other things, that I could find out more about my options by creating a customer account and identity with them. This was not an attractive option for a company from which I was trying to disengage. 
At this same time, I called the customer support telephone number listed on their website. After working my way through their automated phone menu ( no human being to speak with ), their system thanked me and hung up. I tried this a XXXX time with the same results. 
Finally, I sent XXXX a short note saying I did n't want their product. XXXX noted in their justification for successful deliver to me that they did not get a " fail to deliver '' notification. Similarly, with my note - I did not get a fail to deliver notification. In hindsight, I regret not sending it certified mail and keeping a copy. 

Product Status : XXXX 's argument may be that I should pay for a product or service that I possess. I do NOT have XXXX on my computer. I use XXXX. 
o If I received a software product from XXXX, I could not " return '' it using any method that I as a common user could technically perform. I immediately deleted any program with the XXXX or XXXX term. 
o I have attached a screen shot of my computer to show that I have XXXX and do NOT have XXXX. 
o I am willing to make mutually agreeable arrangements for anyone who wishes to do a more sophisticated review of my computer to ensure I do n't have and XXXX product. 

My biggest concern is that, under XXXX 's process, I may NEVER be able to stop them from annually charging my credit card. 

In closing, I still do n't believe this charge was legitimately authorized. I think this is a scam where companies make it difficult to stop or contest the charge. 

XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX
Consumer complaint received 2024-02-03
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. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I was not asked for written consent for the obtaining of my credit report and was not given any copy of my rights under the FRCA. I did not receive any notice before the reporting of the negative information in addition the inaccurate information has yet to be corrected. Neither was I informed that the negative information was being reported. I did not receive the opportunity to opt-out of having my private information shared with third parties. Please delete the following information as soon as possible. I WAS AN UNINFORMED CONSUMER THEY DIDNT GIVE ME THE PROPER DISCLOSURE TO OPT OUT OF CREDIT REPORTING ( 15 USC 6802 B )
Consumer complaint received 2024-02-03
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. (TX)

XX/XX/XXXX i received a daunting correspondence from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX stating and I state verbatim. 

XXXX XXXX XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX XXXX. We will use any information you give us to help collect the debt. We would like to offer you the opportunity to resolve your account for less than the total amount of the debt. The creditor will accept {$280.00} to resolve your account if the payment is received by XX/XX/XXXX. We are not obligated to renew this offer. This offer and the timeframe for accepting it does not in any way affect your right to dispute or request verification of the debt by XX/XX/XXXX as described in this letter. If you do not accept this offer, you are not giving up any of your rights regarding this debt. 


You had an XXXX XXXX XXXX XXXX XXXX account with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you owed : Between XX/XX/XXXX and today : {$1500.00} You were charged this amount in interest : + {$0.00} You were charged this amount in fees : You paid or were credited this amount + {$0.00} toward the debt : {$1000.00} Total amount of the debt now : {$570.00} Call or write to us by XX/XX/XXXX todisputeallor part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/XXXX, wemuststop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX. 
XXXX Whatelse can you do? 
Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/XXXX, we will stop collection until we send you that information. You may use the form below or write to us without the form. We accept such requests electronically at XXXX. 
Go to XXXX XXXX XXXX to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. 
Contact us about your payment options. To Make Online Payments Visit : XXXX Use Reference Number : XXXX Your XXXX I can find many things wrong with this daunting letter from this alleged creditor who is clearly trying to swindle {$280.00} out of the claimant is theres more than five or six violations for one is permissible purpose because XXXX XXXX XXXX, XXXX report to my consumer report without my permission, consent, or knowledge, until after the fact which was right away, disputed and taken down, which deletion proves no admissible purpose, trying to connect a debt at the same time as the original creditor, trying to collect a debt as well sitting here, looking at that collection letter with over seven violations and Im looking for monetary relief cease and desist on XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-05-11
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: DISCOVER BANK (FL)

On XXXX XXXX my driver license, my social security, my passport, and other personal items including my husband documents were stolen. At that time my credit history was starting, so when I reported to the credit bureaus they put an alert for 6 months. 
On XX/XX/XXXX somebody got a credit card from Discover, using my identity. 
I discovered that on XX/XX/XXXX when I downloaded the App XXXX. 
Since that date I have been trying to remove this false account directly with Discover, but have been impossible.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (FL)

I requested for validation of debt and your company sent me a list of statement and a fraud packet. THAT IS NOT VALIDATING THE ALLEGED DEBT. YOUR COMPANY HAS VIOLATED THE FDCPA BY FURNISHING DEEPTIVE FORMS AND COMPILING INFORMATION TO MAKE IT AS IF IT IS A BILL. YOUR COMPANY IS ALSO BIOLATING THE FCRA YOU ARE TEPORTING THIS ACCOUNT ON MY CREDIT INACCURATE AND INCOMPLETE YOU ARE A THIRD PARTY DEBT COLLECTOR WHO IS REPORTING THE ACCOUNT ON MY REPORT. HOW CAN A COLLECTION BE LATE? YOUR COMPANY IS CAUSING DAMAGE TO MY REPUTATION EMOTIONAL DISTRESS XXXX AND DEFAMATION TO MY CHARACTER. NOW I AM SIMPLY DEMANDING THAY YOU REMOVE THIS ACCOUNT FROM MY REPORT OR I AM TAKING MY CLAIMS UP WITH AN ATTORNEY TO FILE A LIGITATION AGAINST YOUR UNFAIR DEBT COLLECTION PRACTICES AND SEEK CIVIL LIABILITY AN ACTUAL DAMAGES OF {$1000.00} PER VIOLATION. PLEASE DELETE THIS ACCOUNT FROM ALL 3 OF MY CONSUMER REPORTS.
Consumer complaint received 2020-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (CA)

XXXX XXXX, XXXX, XXXX XXXX XXXX, Credit Control LLC, and XXXX XXXX XXXX XXXX XXXX are all trying to collect a debt, the same debt, that I am not responsible for. Each time I inform one of these companies that the debt is not mine and provide them with the letter from the original creditor, I receive a letter from one of the other companies trying to collect the same debt on behalf of XXXX XXXX, XXXX. 

In XX/XX/XXXX, the original creditor of this debt, XXXX XXXX XXXX, performed an investigation and determined that I was not responsible for any previous or further balance on this account. ( Letter from XXXX XXXX XXXX Attached ) I notified the above companies of this on multiple occasions and included the letter from XXXX XXXX XXXX on the following dates. Tracking numbers are included XX/XX/2020 Notified via certified mail ( XXXX ) and fax XXXX XXXX, XXXX  XX/XX/2020 Notified via priority mail ( XXXX ) XXXX XXXX XXXX  XX/XX/2020 Notified via priority mail ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Notified via mail XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Notified via priority mail ( XXXX ) Credit Control , LLC XX/XX/2020 Notified via mail and fax XXXX XXXX XXXX XX/XX/2020 Notified via mail and fax XXXX XXXX XXXX Each of the above were responses to letters I received from the above companies attempting to collect the same debt. 

I have also filed multiple disputes with the credit reporting agencies against this debt. Each time the debt comes back verified by XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-02-03
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. (GA)

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.

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 2024-02-03
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. (FL)

Transunion credit reporting is reporting a collection account XXXX XXXX ( original creditor ( XXXX XXXX ) as open. A collection account can not be reported as open. This is a FCRA violation to report false inaccurate information. Please remove from my report.
Consumer complaint received 2024-02-03
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Equifax was hacked and it appears that my data was stolen from their site. they said I could sign up for the TrustedID program I followed all the rules and signed up but after 2 weeks of trying to get into their web site I still have not been able to log in and see what if anything has happened with my data. I tried customer support but the wait times are way too long.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Miller Davis & Peoples (MD)

A " Law Firm '' named XXXX has called me XXXX in XXXX minutes leaving multiple messages stating that I will be taken to court if i do not call them back today. The number was XXXX and the messages were left by XXXX XXXX. I called back, no mini miranda, no verification of who I was ... she alleged that I owe money to a company for a magazine subscription which is 100 % not true. She threatened that I am being taken to court and read me the last XXXX of my social security number. As a former collector, I know that if this is not a scam, which it totally is, this agency has violated the FDCPA.
Consumer complaint received 2024-02-03
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. (TX)

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditor - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974. 

XXXX ) XXXX XXXX XXXX XXXX : Inaccurately reporting late payments. In accordance with the Fair Credit Reporting Act, furnishing any account activity without my written instructions under 15 USC 1666b ; a creditor may not treat a payment on an open end consumer credit plan as late for any reason.