davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personally-identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC.
Consumer complaint received 2022-10-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (NY)

In XXXX of XXXX, I was contacted by a debt collection company called Hunter Warfield ( XXXX XXXX XXXX. XXXX, FL XXXX ) who was hired by a leasing company, XXXX XXXX XXXX, XXXX, ( XXXX  ) in XXXX NY my son used for his college apartment 2 years prior ( XXXX of XXXX ). The letter they sent stated that XXXX demanded additional funds, over and above the deposit paid. The amount they were demanding was for repairs of issues that were already present prior to my son moving into the apartment or for repairs for issues that were incurred while he lived there that were not under his control ( leaking roof, bad plumbing ). These issues were written down ( holes in walls, peeling paint ) and we were told would be taken care of prior to him moving in by XXXX or were submitted as maintenance requests through XXXX 's website during his time in the apartment. That information now seems to be " lost '' and XXXX is demanding payment for repairs we are not responsible for. I sent XXXX several photos depicting the issues in the apartment during the lease term as well as documents I had sent to the leasing company disputing their charges. The other issue is that the TOTAL amount demanded is {$1100.00}, yet they are asking for this total amount from the 5 different families of the boys that lived in the house at the time, essentially demanding {$5800.00}, which is even more unfounded and in my opinion complete FRAUD.
Consumer complaint received 2024-08-16
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: EQUIFAX, INC. (FL)

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$320.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report.EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I sent all three credit bureaus letters asking them to verify my debt. They responded by saying that everything is verified correctly. The problem with that, is that after they said that, my credit report is still showing inaccuracies. 


15 U.S.C. Sec. 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, Name of Account Account Number Verification XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account
Consumer complaint received 2022-10-27
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: ENCORE CAPITAL GROUP INC. (GA)

Intent To Sue XXXX XXXX of Midland Credit Management for Defamation of Character, Mental Anguish, and Emotional Distress, and Federally Protected Consumer Rights Violations under 15 USC 1692 and Fair Credit Reporting Act Violations under 15 USC 1681. 


Please see attached.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (NY)

Freedom Debt relief negotiated a settlement with a collection agency handling a credit card balance for XXXX XXXX XXXX XXXX that had been sent to XXXX XXXX XXXX XXXX XXXX XXXX. Prior to the first payment of {$380.00} on XX/XX/22 they took a large fee in the amount of {$2400.00} on XX/XX/22. The second payment of {$380.00} was paid on XX/XX/22, The third payment was sent on XX/XX/22 in the amount of {$380.00} but was returned to them unprocessed, however, they took an additional settlement fee of {$170.00} on XX/XX/22. I can not find any credit back to my disbursement account for the returned {$380.00} and they keep taking settlement fees related to the XXXX XXXX XXXXXXXX XXXX even though they are not processing the payments any longer. I sent numerous correspondence to them to find out what happened to the settlement but they do not respond. Finally today XX/XX/22 I called XXXX XXXX XXXX and found the they no longer have the account which apparently has been pulled back to XXXX XXXX by the issuer. I am completely disgusted with their lack of communication and what may be fraud on their part regarding the fees.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (PA)

Inaccurate information is being reported on my credit report. 
My XXXXXXXX XXXX XXXX card was opened on XX/XX/XXXX. An inquiry is dated XX/XX/XXXX that is conflicting and inaccurate information. 

XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request to re-investigate and delete the unauthorized inquiry Inquiry made by : XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX To whom it may concern Please be advised this is my second written request and final warning that I intend to pursue litigation in accordance with the Fair Credit Reporting Act ( FCRA ) to enforce my rights and seek relief and recover all monetary damages that I may be entitles to under section 616 and section 617 regarding your continued willful and negligent noncompliance. 
You are the company that that reported the unauthorized credit inquiry ( listed above ) on my credit report violating federal law. You are required under the FCRA to have a copy of the documentary evidence, verify the information on my credit report is and is correct. In the results of your first investigation, you stated in writing that the credit inquiry is verified and reported correctly. I believe you are violating the FCRA because I have not signed any documents authorizing the company in question to review my credit report. Thus, the listed inquires made without my authorization and for no legitimate business purposes. 
Please also be advised that I contacted the above companies. Since they have no proof of my inquiry authorization, written or verbal I ask that you delete the unauthorized inquiries from my credit report immediately. 
According to section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S Code 1681b in general. Subject to subjection ( e ), any consumer report agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) in general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete or can not be verified the consumer reporting agency ( i ) promptly delete. 
IMPORTANT : This credit inquiry is not mine. Please, re-investigate this matter and delete the disputed items as soon as possible before I am forced to take legal action against your company. This law is very clear as to the civil liability and the remedy available to me ( 15 U.S Code 1681 et seq. ) if you fail to comply to federal law. I am a litigious consumer and fulling intend on pursing litigation in this matter to enforce my rights under the FCRA! 
My FTC Report is attached the report number is XXXX.
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-18
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JTM Capital Management, LLC (MA)

There is a charge off on my XXXX, XXXX, and XXXX credit reports that was purchased by JTM Capital Management LLC in XXXX of 2018. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. If they dont, theyre in violation of the act. I have attempted to contact JTM Capital numerous times by phone and letters, they do not answer the phone or haven't responded to my certified letters and it has been over 3 months. JTM Capital is involved in numerous lawsuits about the same issue I'm having. I have also sent debt verification letters with no response. JTM Capital doesn't have the legal right or license to operate in my state of Massachusetts making this debt void also. I demand that this charge off be removed from my credit reports.
Consumer complaint received 2022-10-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This company XXXX XXXX Account Resolution Services has been reporting alleged debts, but has not/ can not give me validation or verification for any of these alleged debts. They continue to attempt to collect by publishing it with credit reporting agencies, which is a violation of my rights under FDCPA, their duties under the same and I have sent them a second request to validate and verify this and identify themselves with their EIN so that I can inquire with the IRS if they have requests funds under my name ( FRAUDULENTLY ).
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-05
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. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-10-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Rocket Mortgage, LLC (FL)

Hello, When I was looking to possibly refinance my house I was going through rocket mortgage 's website and then a few months after notice that my credit had a hard inquiry attached. I never provided my social security number to them and it's listed as a factual data inquiry. Full details weren't provided nor did I authorize them to run any hard credit inquiry with my first and last name. I spoke with a representative XXXX and she wasn't very helpful saying that I would need to go through a multiple step process in order for them to get this taken off. I still am facing this on my credit report, without any further action being taken. I need this removed from my credit report being as I never authorized them or provided them with my social security number to run a credit check.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Sterling Infosystems Inc. (TX)

I applied for and interviewed for a position with XXXX XXXX. On XX/XX/2022 I was contacted by XXXX and told that they were prepared to move forward with an offer however background check information supplied by Sterling prevented them from doing so. After reaching out to Sterling I was told they misspelled my name and there was an item on the report which was not mine. I submitted a dispute for the name and the erroneous negative item on my credit report. This investigation has drawn on and cost me an opportunity at the position with XXXX XXXX. I have attached the email where the associate with Sterling admitted to incorrectly listing my name as " XXXX '' instead of XXXX.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX  lists my paid in full account as a settlement. Balance of {$1300.00} was paid in full on XX/XX/2019 ( confirmation # XXXX ). Company refuses to validate or correct status on credit reports.
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-27
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. (NV)

Account number XXXX Open/closed Open Account number XXXX Open/closed Open NO KNOWLEDGE OF SUCH ACCOUNT WHILE I WAS SICK WITH XXXX  IN XXXX  FOR A THIRD OF THE YEAR, NO CONTRACT, NEVER WENT INTO A BANK TO OBTAIN ANY LOAN
Consumer complaint received 2022-10-27
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: Federal Adjustment Bureau, Inc. (OH)

I have filed a complaint before concerning an account for that I requested proper validation and verification from FABCO saying that I owed a debt of {$1100.00}. I need this account to either be validated or removed since it is not accurate. FABCO is the second company trying to force a claim upon my person from this previously disputed account.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NY)

I have a superior credit score of XXXX. I have had XXXX lates in XXXX years, and my debt-to-income ratio is below XXXX XXXX, so I am certainly not a low life. On average the other credit cards I have are between XXXX XXXX XXXX %. In the last XXXX months, I don't run a balance with American Express because they were already charging me XXXX XXXX XXXX. 

Last month I was paying XXXX XXXX and this month with a XXXX balance THEY RAISED IT! Now I'm being charged a usury rate of XXXX XXXX? Are they loansharks? Is this allowed? What is the maximum amount they can charge? Or they have no limit? 

Are they allowed to abuse people like this for no economic reason? Is my only only choice just to avoid them and seek another alternative? I've been paying off my balance every month so I never let them charge me another dime, but it just seems wrong. 

And yes I called today, and " XXXX, '' said my account was reviewed in XXXX, and there was nothing he could do. I think this is unacceptable to do to people when you're getting the money for XXXX XXXX and changing me XXXX XXXX XXXX.
Consumer complaint received 2022-10-27
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. (OH)

I have filed a complaint before concerning an account for that I requested proper validation and verification from XXXX saying that I owed a debt of {$1100.00}. I need this account to either be validated or removed since it is not accurate. XXXX is the second company trying to force a claim upon my person from this previously disputed account.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Sir XXXXMadam I made a XXXX  payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX in the amount of XXXX USD on XX/XX/2022 with purpose to prepaid a purchase of apartment in XXXX XXXX reference number is XXXX ) or ( Tracking reference is XXXX ) This payment was rejected by XXXX XXXX XXXX XXXX XXXX XX/XX/2022 but as of now the money didn't return to me because the Bank of America N.A XXXX is held it without explaining the reason. 
My Bank ( XXXX XXXX ) on behalf on me sent requests to return the funds on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
As of today XX/XX/2022, according to the information provided by my bank ( XXXX XXXX ( XXXX ) ) the transfer is held by Bank of America N.A. ( XXXX ) as a corresponding bank. Bank of America ignored all requests and messages from XXXX to refund the money. 
Also i tried to contact with Bank of America directly by myself. I sent them a messages via e-mail. they also ignored me and my kind requests to refund my money to my account. 
I provided all necessary documentation for this transfer such as : contract and other supporting documentation. I'm not included in any sanctions black lists. The origin of these funds is my salary from international company in XXXX Attached is the copy of the promise of purchase agreement with XXXX company who sells me an apartment in XXXX XXXX, XXXX tracker of money transfer and request for refund that was sent via swift