davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX, the consumer in this matter. Requested my free annual consumer file in XX/XX/2021 from XXXX, XXXX and TransUnion. Through their toll free number XXXX, thats on their website XX/XX/XXXX. But I only received a file from XXXX. XXXX and TransUnion failed to give me my credit file. I have attempted on numerous occasions to get my file. I signed up for XXXX for the free annual report ; but was only given the number of accounts I have on my file, not the full information that is in my file. TransUnion only offers the report you have to pay for or it leads you back to the website they use together or XXXX. I even sent an express overnight letter on XX/XX/2021 to them for my report and I have proof ; that they have received the request form in the mail but still, I didnt receive a file from XXXX or TransUnion that is a violation of Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.
Consumer complaint received 2021-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.A.Rogers, Inc. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not satisfied that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be removed.
Consumer complaint received 2021-11-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

My country XXXX  ( XXXX, XXXX ), represents XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX MA XXXX ) in XXXX since XXXX. We import products from XXXX XXXX XXXX and sell in XXXX. On XX/XX/XXXX I received an email from XXXX XXXX ( XXXX ) about when I will transfer money, related to our order, to XXXX 's bank account. 3 days later I started to receive other emails from XXXX ( fake address without 's ' ) regarding the status of payment. This email was attached with out previous conversation with real XXXX XXXX. Finally, I transfered money to bank account provided by scammer. On XX/XX/XXXX scammer sent me an email that they have not been able to receive the money and I should talk to my bank. Scammer also said that the reason might be inconsistency between account name account no. Since I found last email suspicious, I have informed my bank and XXXX Police to reach Wells Fargo to stop the transaction or suspend the account. My bank has informed Wells Fargo with intermediate bank, however we have not received any response yet. I urgently ask your help to stop the transaction and get my money back. 

Account Name : XXXX XXXX, XXXX Account Number : XXXX Routing Number : XXXX Swift Code : XXXX Bank Name : Wells Fargo Bank
Consumer complaint received 2021-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. This company, PORTFOLIO RECOV ASSOC, has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX XX/XX/XXXX {$XXXX} ; PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-08
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. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third-party involved. Upon reviewing my updates, incorrect personal information were found still in my reports. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the personal information that is still reporting on my Credit Reports and need to deletXXXX completely from my Credit Report : XXXX
Consumer complaint received 2021-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (VA)

In early XXXX I called XXXX because I wanted to close my account and unlock my and my husband 's phones so they could be used with our new carrier.

I spoke to several agents online, and they informed me that there was a {$480.00} balance that had to be paid first before they unlocked our phones. I paid the balance right then, as I was talking to them in an online chat, and they confirmed my account was now {$0.00} and that it would take 24 hours to unlock our phones and they would be unlocked and ready to use with a new SIM card the next day.

I SPECIFICALLY verified with them that both my and my husband 's phones would be unlocked and ready to go, and someone claiming to be a supervisor confirmed.

The next day, neither phone was unlocked, so I engaged with them again. This time they SPECIFICALLY confirmed that my account balance was {$0.00} and that my account was canceled. This was in chat, so they should have a transcript. They apologized profusely, and since I needed my phone for work, they this time successfully unlocked it.

The problem was that they did not unlock my husband 's phone, even though I specifically asked whether the account was closed for both phones and so I had to engage with them again. Their representative confirmed that everything should be XXXX XXXX and closed and was finally able to unlock my husband 's phone.

At no point did they inform me in any way that there may be an additional balance.

Then they started harassing me via email. Then they had a collection agency engage with me. I explained the situation and sent them a full write-up. A little while later, they sent me a letter claiming they examined the situation and determined that I still owed XXXX money. No transparency, no anything. I have no idea what they based this decision on. 

Then they started negatively impacting my otherwise stellar credit score, and when I filed a complaint, they claimed they sent the case back to XXXX . 

Now a company named RPM is basically blackmailing me. If I give them roughly {$160.00}, they will stop the harassment and the collection. I have already paid XXXX almost {$500.00} to stop their service, and I shouldnt have to pay a collection agency any extortion money.
Consumer complaint received 2021-11-08
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: Bread Financial Holdings, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-08
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion this is your NOTICE OF VIOLATIONS Under 15 U.S. code 1681b- 15 USC 6802 ( b ) and ( c ). I was never provided any notification on paper as to whether or not I wanted the transaction reported. The company had an obligation to fulfill and failed to do so. INQUIRIES 1. XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX All of these accounts are third party debt collector they do not have a enforceable contract XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 U.S. Code 8 - Obligation or other security of the UNITED STATES The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes , Federal Reserve bank notes , coupons, United States notes , Treasury notes , gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps . THE DOCUMENTS IN QUESTION ARE SUBJECT TO THE PRIVACY ACT OF 1974 Contents shall not be disclosed, discussed, or shared with individuals unless they have a direct need-to-know in the performance of their official duties. Deliver this/these document ( s ) directly to the intended recipient. THEY WERE NOT TO BE drop off with a third-party. To be used on all documents containing personal information The document ( s ) contained my personal or privileged information and should have been treated as For Official Use Only. Unauthorized disclosure of this information may result in CIVIL and CRIMINAL penalties.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-11-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (VA)

I have been using Western Union for several years not to send money to my family members and friends in the XXXX. Western Union has closed my account without warning our reason. They have also taken all of the reward points i have accumulated over the past 5 years
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

WELLS FARGO BANK closed my account, each had a balance which I got a notice that I would receive a check within 90 days, it's been more than 5 months! I've already submitted a complaint to them 3 months ago, to which they said they would solve, but they lied, they're lying, and manipulating just to have this complaint closed, I called customer service more than 100 times, nothing has been done at all.
Consumer complaint received 2024-10-18
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. (CA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2021-11-07
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: TRANSWORLD SYSTEMS INC (MD)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown information on my credit report to XXXX XXXX, XXXX, and XXXX. 

On XX/XX/2021 almost 60 days later I received a letter from the data furnisher XXXX XXXX XXXX with a printout of procedures that I supposedly went through at XXXX XXXX XXXX. TransWorld Systems did not include a signed release of information signed by me nor did they include a HIPAA form signed by me and I never signed a HIPAA form for a company called Trans World Systems to have access to any of my personal medical files. 

On XX/XX/2021 I sent a letter regarding inaccurate and unknown information on my credit report to XXXX XXXX, XXXX, and XXXX notifying them that my HIPAA rights have been violated. I have not yet seen the violating accounts deleted from my credit file.

According to the FCRA Trans World Systems has violated my HIPAA rights, they are mailing out medical procedures with my personal information on them. 


TransWorld Systems XXXX XXXX XXXX TransWorld Systems XXXX XXXX XXXX TransWorld Systems XXXX XXXX XXXX TransWorld Systems XXXX XXXX XXXX
Consumer complaint received 2021-11-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (VA)

Regarding ; No tile/lien release has been provided for XXXX purchased after lease expired Vehicle : 2019 XXXX XXXX VIN # XXXX. 

Account : XXXX It has been over a month since HCA cashed our buy back payoff check. I have called Hyundai Finance 3 times over the last month and each time they said the title or release is in the mail. 

Clearly, it has not been sent and I am amazed they have the audacity to say it is in the mail. 

Then a week ago I asked the dealer I leased from to intercede which they did yet I get no response of any kind from Hyundai Finance. The dealer said they have seen many such issues with titles not being provided by from HFA.
Consumer complaint received 2021-11-08
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)

XXXX  account and XXXX inquiry has report defamatory information about me to the 2 credit Bureaus on XXXX account. I am challenging the incorrect information with XXXX account and XXXX inquiry on my credit report is fraud. Where XXXX clearly violated the law. XXXX put on my credit report an account number that is not my and the balance is false. XXXX  monthly payment of the account that is completely false and incorrect. The account is false, the date and the amount. I am a victim of identity theft. XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX, XXXX and Equifax decided to ignore my demands for Validation. Validation of the debt XXXX and XX/XX/2021. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX account and the inquiry with XXXX violation of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove account immediately.
Consumer complaint received 2024-08-24
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 received my credit report recently and noticed there is still a fraudulent account appearing. 

Reinvestigate and delete the accounts listed below : Account Name : XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2021-11-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Management Solutions, LLC (VA)

The above company has been fraudulently harassing and intimidating me and claiming to be a government agency. FMS FINANCIAL SOLUTIONS has placed several bogus claim and report on my credit file. Every attempt to contact FMS FINANCIAL SOLUTIONS has failed as they operate illegally or refuse to answer my calls. FMS FINANCIAL SOLUTIONS is collecting an amount that is illegal or as a result of covid-19 pandemic that caused me not to appear in court. CURRENTLY I have no idea of the amount or circumstances leading to the collection attempt. FMS Financial Solutions keeps running my credit without permissible purpose .The company keeps pulling my credit without my permission. This has been happening since XX/XX/2021. I have submitted several disputes via certified mail and online, asking for documentation of what this ( FMS FINANCIAL SOLUTION ) debt is, dates and how the balance was calculated. I have received nothing. There is no information.
Consumer complaint received 2021-11-07
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. (TX)

My XXXX XXXX account was paid off ( XXXX dollar balance ) and closed in XX/XX/XXXX. However the last two months I have received statement notifications of a balance due. I let them know that's not possible because the account is closed and I do not have the card so I could not have made any changes. And I don't know how charges can be applied to a " closed '' account. I emailed them on XX/XX/XXXX and XXXX letting them know that the account is closed and I don't have any idea what is going and I can't even log on because it is linked to old phone number that I no longer use due to identity theft. On XXXX they replied to me saying I need to provide my drivers license to change my phone number. I replied back on XXXX that I no longer have a valid DL but provided my passport book instead and let them know again the account is closed, don't know how there are any charges and if so its fraud and I don't know how/why there is a balance. There has been no response to any of my emails since, the phone number is still linked to the old one for the account so I still can't access it and I'm still receiving balance notifications. And on XXXX they reported to the credit bureaus that the accounts were late when I let them know already that any new changes should/would be fraud since the account was " closed '' and I don't have any access to it.
Consumer complaint received 2021-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on MIDLAND FUNDING. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.