davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-04-23
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. (LA)

In XXXX after checking my credit report I noticed that this file from XXXX appeared. It is not mine, so I disputed it. Additionally, I contacted XXXX and they agreed that the account in question was not mine and agreed to request its removal. This account was removed from both XXXX  and XXXX XXXX however it remains on Experian. I contacted Experian several times and as of date they still have this account on my credit file damaging my credit. They state that the account was verified, however as you can see it could not possibly be verified. Experian is deliberately violating my rights under the FCRA by reporting invalid unverified information and alleging it is having investigated this which obviously it had not. Please see attached proof.
Consumer complaint received 2020-04-17
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)

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. 

XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$950.00}
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2019-08-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX-VIN # XXXX This vehicle was repossessed by XXXX XXXX and sold on or about XX/XX/2016. 
Under the laws of the state of NJ ucc9.506 and state RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure times were adhered to.Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle. If no proof is provided any continued collection or reporting on my credit reports will be considered a violation of theFDCPA and FCRA.
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (AL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XX/XX/XXXX To whom it may concern, Under FCRA Section 609, I am exercising my right to dispute the accounts listed below. I am also formally requesting that you prove these accounts belong to me by providing copies of the original signed contracts. Please make sure you send me contracts stating that I agreed to enter into financial agreements with the companies listed below. Otherwise, your bureau, the furnishers, nor I can prove these accounts belong to me. Please note I need full copies and all other information you have on file during this investigation. A simple template letter will not be sufficient. I am preparing a legal case and need full certified copies of everything you have on file for the accounts below. 

Bureau/Furnisher must provide, at a minimum, all of the following to prove their case : A. Copies of original signed contracts bearing my signature for each account listed below. 
B. All other information or evidence you have on file for the accounts listed below. 
C. Names, employee numbers, mailing addresses, and phone numbers for each person involved in this investigation. 

If you can not provide the above information, I request you immediately delete the accounts listed below from my consumer credit report and cease all collection activity. 

Please note, I am trying to resolve this matter as soon as possible. I am willing to stop any further requests if you can comply with my request. Also, note I have included identifying information as requested under the FCRA. Please do not send me an automated template letter requesting further verification. 

Account Information : Account # : XXXX ( XXXX XXXX Account # : XXXX ( Experian ) Account # : XXXX ( XXXX ) Account XXXX : XXXX ( XXXX ) Account # XXXX XXXX ( Experian ) Account # : XXXX ( XXXX ) Account # : XXXX XXXX Experian ) Account # : XXXX ( XXXX ) Account # : XXXX ( XXXX XXXX Account # : XXXX ( Experian ) Account # : XXXX ( XXXX ) Account # : XXXX ( XXXX ) Account # XXXX XXXX ( Experian ) Account # : XXXX XXXX ( XXXX ) Account # : XXXX XXXX ( Experian ) Account # : XXXX XXXX ( XXXX ) Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (GA)

I called todayXX/XX/2020 at XXXX XXXX, XXXX spoke with ( mr. sXXXX ) wouldnt transfer me Rudely hung up on me bc I told him he couldnt assist me bc I need to speak with Mrs. XXXX directly, @ XXXX spoke a rude representative I asked for her name and she hung up on me. I called back at XXXX to speak with Mrs.XXXX  and I was told that I couldnt speak to her because my account is restricted and referred back to MR.XXXX  and I kindly explained to the representative that I didnt want to further speak with Mr.XXXX because he is very rude. I also asked if I could be transferred to Mrs. XXXX voicemail and was told no because she is very busy. So I am confused as to what I am suppose to do. I wanted to speak to Mrs. XXXX about my other options of payment towards the extend settlement for XXXX. I have called for 4 times to get the same end results and 2out of the 4 calls the agents was very rude. It just frustrating because In the company response it say to contact the number and Ext to speak with Mrs. XXXX and now Im being told be agents that I would need to speak with Mr . XXXX just to be in contact with Mrs.XXXX  which dont make sense at all. All I want to do is resolve the matter.
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened an account with Bank of America in XXXX XXXX, Texas approximately a month ago. From day one it has been a hassle. I went into the bank and spoke to a man " XXXX? " and he could not help. When I opened the account was told to keep a certain amount and there would be no charge if funds were wired into the account. The account was no " old '' enough to have the funds deposited by wire cause I closed it less then a month due to the charges prior to receiving them ( hope all this makes sense ) I get from 3 retirements a total of {$2700.00} a month. Opened the account with {$100.00}. It was not working out so I went to the bank trying to resolve a problem of charges and was totally " ignored '' so I got up and left. I closed my account over a week ago. I wrote the head office and the one in XXXX XXXX, Texas why and no one ever replied. I am now getting a charge of {$35.00} daily totaling {$200.00} now for not having funds in account. I wrote a letter which to date has not been honored. Now they are asking for {$35.00} a day and the amount now is {$200.00}. I do not feel I owe them a dime. Please help
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2023-08-16
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. (NY)

On XX/XX/2023, I contacted CFPB to report that I had been unable to access my Equifax credit report through Equifax 's website for over 2 months. Each time I tried to access my report I received a message that stated, " We are temporarily unable to complete this request. Please try again later. '' I called Equifax twice to report the issue -- each time I was told that the issue had been 'escalated ' ; however, there was no confirmatory email, nor was there any communication from Equifax via the U.S. mail. I am still unable to access my report. 

On XX/XX/2023, CFPB received a response from Equifax stating that before Equifax could assist me with my Equifax credit file, Equifax needed to verify my identity and address. Equifax stated that they mailed a letter to me describing the documentation needed to verify my identity. As of XX/XX/2023, I have still not received this letter.
Consumer complaint received 2023-08-16
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. (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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SinglePoint GI (NC)

The Credit Bureau is reporting an inaccurate, incorrect and insufficient debt as of XX/XX/2020 for {$18000.00} listed on my credit file from General Revenue Services. I do not owe this debt and I have not received any type of written notification of this debt prior to this debt being placed on my credit file. I have placed a lock on my credit file to prevent these fraudulent measures in the future.
Consumer complaint received 2019-08-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax ; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) The property was sold at auction and this account has since been settled. This incorrect reporting is causing financial hardship on the purchasing of a new home and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (FL)

I received a collection account on my credit report on XX/XX/XXXX. On XX/XX/XXXX I called the collection agency IC System Inc to verify what this was. Initially I spoke with XXXX employee ID # XXXX who stated she could not find me in the system and when I gave her the account number as stated on my credit report she stated there was 10 people with that same account number. I asked for a supervisor which XXXX employee ID # XXXX tried to help verify the debt which is stated to be from XXXX which I have a current 5yr account with and owe them nothing. When I asked XXXX if they could send me the documention to verify this debt was mine with signatures and or proof that this belonged to me she stated " they do not have proper documentation to verify this debt belongs to me ''. 

Then I got transferred to another supervisor XXXX employee ID XXXX who stated that this is a debt directly from XXXX and they do not have the documentation to verify this debt and would have to request it from XXXX. I told her she can't report this debt and it needed to be removed. 

Per XXXX employee # XXXX this debt was opened in XX/XX/XXXX and sent to collections in XXXX of XXXX. 

IC Systems just recently bought this debt because it used to read as XXXX XXXX XXXX  on my report which I sent them a letter to validate this debt in XXXX and it was removed because XXXX XXXX XXXX did not validate this debt in XXXX! Now IC Systems is reporting it 3 years later without proper documentation to validate it.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine COLLECTIONS 11 XXXX XXXX not mine 12 XXXX XXXX XXXX XXXX not mine Identification already on file. Please sent me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2019-08-09
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: EQUIFAX, INC. (NV)

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 listed below. 


XXXX XXXX
Consumer complaint received 2020-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

I received an alert today for all 3 of the reporting agencies today that a new negative account was added to my credit reports. I looked up the account it is once again it is Midwest Recovery System. This will be the 3rd time I have disputed this debt with CFPB and Midwest. Each time Midwest responds that the debt cant be validated and they send a letter of deletion to all 4 credit agencys. Now it has reappeared and also the same debt which originated from XXXX XXXX XXXX is on my credit report from Midwest and also XXXX XXXX XXXX. I was never notified because they know this debt can not be validated and it does not belong to me at all. I do not know why this debt is allowed to continually be added back to my credit reports and drop my score down for no apparent reason.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been holding Bank of America credit card for years and found it inconvenient in term of making monthly payment. I pay all my credit card balances in full to avoid interest as I don't need to take on expensive credit debt. I prefer to have an auto payment in full as I do for my other credit card. When I found out that I can set up auto pay a coupel months ago, I immediately do that. 

In the setup page, there are several options for payment amount, including the following : - amount due - minimum amount due - account balance among others. As I want to pay the full statement balance, it seems pretty obvious that my choice is amount due. in the page, they do have small blue words, when you click on it, a pop-up window will tell you exactly what these options mean. But at that time when I was setting up the auto pay, i did not notice it was there. Without any doubt that I have properly setting up the auto payment, I let the system made the payment for me. two months later, I notice I am getting interest charges in my XXXX and XX/XX/2020 statements. What happen is that the amount payment option only pay the minimum amount due each month. the coming statement will also have the interest charge. So a total of three month of interest changes sum to the amount of about {$200.00} has been imposed on my account. 

I think the web site is misleading. I call the customer service explaining what have happened and complained that the web site is misleading. I asked for a refund of the interest charge but the person told me there is nothing they can do and they can not give me the refund.
Consumer complaint received 2019-08-09
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. (OH)

XXXX XXXX keeps holding me accountable for an account that was opened in my name. I told them that this isn't my loan and someone stole my information to be approved for this vehicle and to get this vehicle. I never attempted to get a vehicle nor made a payment to these people or this account. If there was an arrangement of a payment it was done by the employees trying to force me to pay something on this fraudulent account. they keep insisting I opened this account. I have not. This is illegal. Please provide me with video footage or audio that I, XXXX XXXX came and opened this account. I didn't and it is unfair when I actually want to get a vehicle in my name and get certain things and this account is fraudulent. Every company have insurance when a person defaults on a payment. I am not the person responsible for this account. Yes it was open in my name but I still didn't know about it nor did I open it. Please erase this from my account or I will pursue other actions. I am XXXX and am on fixed income and can not work and refuse to be accountable because someone hacked my information and stole my identity.