davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
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. (FL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2015-04-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: McCullough Payne & Haan, LLC (GA)

I previously filed a complaint against McCullough Payne and Haan, who obtained a default judgment against me per I was not notified of the court date. I spoke to the clerk of court, who confirmed the hearing information was mailed to an old address. This company has began garnishing my wages, and claimed in my previous complaint that they were waiting for the judge 's decision regarding my motion to dismiss, and that they were closing my complaint in their office. This is not true because I spoke with Judge XXXX XXXX in XXXX County on XXXX XXXX, 2015 who rendered the default judgment, and she informed me that she was unaware that I opposed the judgment until I left a message with her office on XXXX XXXX 2015. I have called the lawfirm and was informed that I would need to speak with XXXX XXXX. I asked her to confirm the account number for the account in question, and she stated that it is XXXX XXXX XXXX XXXX, and that it is for an XXXX credit card. I informed her that this does not match any account that belonged to me, and informed her that I had proof, and faxed it to her. I asked her to call me to confirm receipt. I never heard from her, and she would not return my calls or voice-mail. I escalated the matter to XXXX XXXX, the collection manager, and my calls nor messages have been returned. I faxed my documentation to him as well, which was a copy of my credit report dated XXXX/XXXX/2015, which shows that the account numbers are not the same. My credit report shows a XXXX balance, and the account was closed per this credit card company was shut down by the FTC, and was forced to close all consumer accounts. Furthermore, this lawfirm improperly issued the wage garnishment. They were supposed to send the notification to me within 3 days that they notified my employer, via certified mail, which did not happen.
Consumer complaint received 2023-03-24
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (TN)

I have sent multiple letters to Experian regarding the errors on my credit file they furnish. I only get updates of verified with no proof. Some of these accounts I know are in accurate for a fact. I am in fact fed up of getting the run around when it is hard to obtain credit to get me a place to live. 
These accounts are hurting my ability to obtain credit when they are in fact inaccurate : XXXX XXXX XXXX XXXXXXXX These are the accounts I found erroneous errorsz these need to be deleted as soon as possible according to FCRA.
Consumer complaint received 2023-09-29
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. (SC)

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX XXXX Balance : {$14000.00} XXXX XXXX  XXXX Balance : {$130.00}
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I want these 17 separate fraudulent ACCOUNTS, along with 15 separate INQUIRES along with incorrect PERSONAL INFORMATION, appearing on my consumer XXXX credit report which I do not recognize as reported and I did in any which way authorize opening these accounts nor give permission for credit checks, This is the result of identity theft and fraud. These fraudulent ACCOUNTS, consist of a personal credit, hospital bills, personal info. Starting with account aXXXX XXXX XXXX on XX/XX/year>, under the account number ( XXXX XXXX, an auto loan accounts opened at XXXXXXXX XXXX XXXX, on XXXX under the account number XXXX XXXX  ), and a company called XXXX XXXX on XXXX XXXX account number ( XXXX XXXX. The XXXX are the two different dates stated opened on my report, XXXX account number ( XXXX ) opened on XXXX. XXXX are the dats stated opened on my report. XXXX  account number ( XXXX  ) opened on XXXX. This account is on my report twice under different company names, and finger-hut wrote me stating that the account is in my name and sold the account to another company so they don't own it and it is not mine, also the company they claim they sold it too, does not show up anywhere on any of my reports This other company this account is under is XXXX XXXX account number XXXX XXXX  ) opened on XXXX. XXXXXXXX XXXX account number ( XXXX ) opened on XXXX. XXXX XXXX account number ( XXXX  ) opened on XXXX. XXXX opened on XXXX. XXXX XXXX account number ( XXXX ) opened on XXXX. This account is duplicate on my report as well under XXXX  account number ( XXXX  ). These two accounts are under different names that are similar and different account number but same owed amounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is on my report twice under the same name and different account numbers opened on XXXX & XXXX. 

INQUIRES listed below : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other then name and address, and phone number written above are invalid, inaccurate and not mine. Remove. The only name address and number I use is stated above. Remove all that is not that stated above
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NC)

I am writing to file a complaint against Caine & Weiner regarding their violations of the Fair Debt Collection Practices Act ( FDCPA ). The collection agency in question has added a debt to my credit history without any agreement or written authorization from me. 


Despite my request that they return the alleged debt to the original creditor, the collection agency has continued to pursue collection activities against me, which I believe is a violation of my rights under the FDCPA. I have also requested debt validation, as is my right under the FDCPA, but the agency has not provided me with any proof that I owe this debt. 
I believe that this collection agency has violated several provisions of the FDCPA, including but not limited to : 1. 15 U.S.C. 1692e ( 2 ) ( A ) - falsely representing the character, amount, or legal status of the debt 2. 15 U.S.C. 1692e ( 5 ) - threatening to take any action that can not legally be taken or that is not intended to be taken 3. 15 U.S.C. 1692e ( 10 ) - using false representations or deceptive means to collect or attempt to collect any debt 4. 15 U.S.C. 1692f ( 1 ) - using unfair or unconscionable means to collect or attempt to collect any debt I am requesting that the CFPB investigate this collection agency for their violations of the FDCPA and take appropriate action to ensure that they cease all collection activities related to this debt and that they correct any negative reporting on my credit history.
Consumer complaint received 2024-08-13
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. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX. XXXX Balance : {$6400.00} XXXX XXXX XXXXXX/XX/year> XXXX CO XX/XX/year>
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, My name is XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from my Graduate School, XXXX University, indicating that I was identified as an individual that was involved in a data breach of my personal information ( including- my name, address, date of birth, and social security number ). The school determined that in XX/XX/XXXX my information was exposed to hackers. I have reviewed my credit report and I have identified inquires that I have not committed myself. Below is the breakdown by the credit bureau of what does not belong to me and should be removed from my credit report. They are the following : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please feel free to reach out to me directly for any additional questions you may have. 

Thank you, XXXX
Consumer complaint received 2023-05-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRINITY HOPE ASSOCIATES (NC)

Trinity Hope associates called me and told me I had an unpaid medical debt they were servicing, I informed the company I was unaware of the debt and asked for a bill as I had not received one, they sent me an email of the bill, I told them that I will be paying the bill by Friday this was on Wednesday XX/XX/2023 they then called me back an hour later in which I ignored the 1st call they immediately called again I answered to them urging me to pay the payment that day so it wont go on my credit insinuating it will be very soon could be midnight tonight even though this is a medical bill under {$500.00} which is not reported on credit any longer, I told them again I would be paying the debt on Friday. Now, today they have called me again left another voicemail urging me to call them back to make a payment though I had already told them multiple times I would pay the debt on Friday. Looking at my missed and ignored calls I have a total of 6 calls in from this company in 2 days 3 in which were after I had already spoken with them and advised them of my decision.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

Hi, there's an inquiry on my credit report that I don't recognize which is very alarming, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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. (FL)

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 1- XXXX XXXX XXXX XXXX XXXX, Reported Balance {$5900.00}. 
Account 2 -XXXX XXXX, Reported Balance {$0.00}, Pay Status >Sold ; was Charged-off<, Account 3 -XXXX XXXX XXXX, Date Opened XX/XX/XXXXXXXX, Balance {$6000.00}, Pay Status >Charge-off<. 
Account 4 - XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$26000.00}, Pay Status >Charge-off<. 
Account 5 - XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$19000.00}, Pay Status >Charge-off<. 
Account 6 -XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$5800.00}, Pay Status >Charge-off<. 
Account 7 - XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$0.00}, Pay Status >Sold ; was Charged-off< Account 8 - XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00}, Pay Status >Charge-off<. 
Account 9 XXXX, Date Opened XX/XX/XXXX, Balance {$14000.00}, Pay Status >Charge-off<. 
Account 10 -XXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance {$2100.00}, Pay Status >Charge-off<. 
These are the accounts I want to be removed from my credit report. 

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 2023-07-21
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: DISCOVER BANK (PA)

This is a notice of consumer findings regarding unfair and inaccurate practices. via discover bank privacy policy and section 1692e ( 16 ) of the FDCPA. Discover Bank 's privacy policy implicates and gives false representation as a means in connection with the collection of debt by operating falsely a consumer reporting agency by using nonpublic information and abusive debt collection practices to put my creditworthiness at a competitive disadvantage. it is a violation via 15 USC 1692e ( 16 ) for a debt collector to operate by a consumer reporting agency and give false representation or implications that they are doing so as proof see the privacy policy attached. The consumer reporting agency is in violation of marketing information, unfair and inaccurately backed on the exchange of information that should otherwise be excluded from a consumer report via 15 USC 1681a ( d ) ( 2 ). A consumer report should not include information solely as to transactions, communication of that information, also information that's used as an authorization of an extension of credit by the issuer ( me ) of a credit card. I wish to have this account removed from my consumer report.
Consumer complaint received 2023-03-24
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. (TX)

According to a previous CFPB dispute ( XXXX ) XXXX XXXX  XXXX deleted an alleged debt of {$950.00} because it was not validated or verified within the allotted time of 30 days when requested validity. Equifax has refused to acknowledge that outcome made on XX/XX/23 as well as FDCPA regulations. Equifax has kept the debt on my credit report refusing to delete it after filing a dispute with them directly. ( Equifax Confirmation : XXXX ). XXXX XXXX XXXX stated it has been removed and deleted from all three credit reporting agencies and their files and if this is true Equifax should have or should be in the process in conjunction with XXXX XXXX XXXX of deleting the alleged debt off my credit report in regards to XXXX XXXX XXXX statement made on XX/XX/23 in the CFPB dispute # XXXX. Equifax findings does not suggest they intend to agree to the CFPB dispute outcome going against the FDCPA regulations pursuant to FDCPA SECTION 809 ( a ) Validation of debts ( 15 USC 1692 G ).
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (PA)

This is my formal written complaint. I am denying all calms by SUNRISE CREDIT SERVICES. I have never done any business nor received any goods/services from SUNRISE CREDIT SERVICES In fact, I am 100 % confident that the plaintiff can not provide any instrument of a signed contract/agreement between SUNRISE CREDIT SERVICES and myself, labeling me as a debtor who is obliged to any debt/monies owed to them as a creditor. It is from my understanding that I do not know of this entity and under federal Law they do not have the legal right to bring forth any said " claiter '' against me. I would like this investigated immediately and removed from my report once found inaccurate information. This has caused severe damages to my consumer report, livelihood, and character due to their inaccurate reporting on my consumer report.
Consumer complaint received 2023-05-10
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. (MI)

See attached documents. I'm really upset that they are showing up on my credit report. This is extremely humiliating. I really felt down that you guys have to let me go through this. I want the company to remove it as soon as possible.
Consumer complaint received 2023-07-21
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MA)

I purchased from XXXX money orders for the amount of {$100.00} weekly for 4 months starting in XXXX XXXX through to mid XXXX for rent/savings at the halfway house I was staying in XXXX When I graduated and moved out I had XXXX {$100.00} money orders remaining. On XX/XX/XXXX I went to XXXX to cash them in and was only able to cash XXXX. I was given receipts denying my attemps to cash the XXXX remaining money orders. When I called the # given on the receipt the automated service gave me several reasons why I could not cash them in. First being, Lost or stolen, or counterfeit, or the date money order was purchased and date I tried to cash too long. No where on the money order or receipt states that there is an expiration date for my money order. At most XXXX to 4 months old when i just attempted to cash these in. When I finally spoke to a human I was told I had to request a refund and fill out a refund request form for each money order and would be charged {$15.00} for each refund request totaling {$45.00}. I believe I am being defrauded! I should still be able to cash these money orders. The persons I spoke to and the automated prompt confirmed when i typed in money order # ( when checking the status ) of the money order plainly stated/confirmed to me that the money orders where still valid and uncashed. I should not be swindled out of {$15.00} for each money order that are only a few months old. I should be able to cash in for total value and avoid the insulting fee and fraudulent attempt to take my hard earned money.