davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX. XXXX, XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-07-15
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pollack & Rosen, P.A. (FL)

On XX/XX/XXXX, a salary garnishment was made against me for the amount of {$3000.00}, which began to be paid on XX/XX/XXXX and the payment was completed on XX/XX/XXXX, and according to the attached documents. 
Today this company and the court are summoning me to court for the same case, next XXXX, XXXX, XXXX
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I have a few student loans through XXXX XXXX. These loans have been in deferment for a while now. I have not been able to make a payment on these debts for a while now and I have communicated with XXXX and let them know that due to COVID im not in a position to pay these students loans and again i am i deferment but they are reporting lates. I need these lates to be removed from my credit file. Under the Federal Mandate, CARES ACT, you can not report lates during the pandemic and plus my account is in deferment.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (NJ)

I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ). Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.

In addition, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. OneMain Financial - XXXXXX/XX/XXXX
Consumer complaint received 2024-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: States Recovery Systems, Inc. (CA)

After several attempts calling State Recovery Systems, they never disclosed about the debt I owe them. I do not remember that I owe to them any money. I want to remove collections from all credit bureaus. I want the proof of the legit documentation signed by me with STATES RECOVERY SYSTEM only, but not with other credit card or credit companies. Please help me to show the proof of My signature with STATES RECOVERY SYSTEMS. 

As far as I know I never applied or got any loan or debt from STATES RECOVERY SYSTEM. 

finally I sent registered mail including a letter with below message. 

STATES RECOVERY SYSTEM XXXX XXXX XXXX XXXX, CA XXXX Account number : XXXX From : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 

XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Federal Credit Control, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Follow-Up Dispute and Request for Full Debt Validation Dear First Federal Credit Control, I am writing as a follow-up to my original dispute regarding the medical collection account tied to XXXX XXXXXXXX for XXXX. While I appreciate your prompt response and the itemization of charges you obtained from the creditor, your response does not fully address the concerns raised in my initial letter dated XX/XX/year>. 
To reiterate, I requested complete validation of this debt in accordance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Your response failed to provide the following documents I requested : XXXX. A copy of the original signed agreement or contract from the original creditor, XXXX XXXX XXXX XXXXXXXX, verifying that I owe this debt. 
XXXX. A detailed explanation of how this account was verified, including the supporting documentation from the original creditor. 
XXXX. Confirmation of compliance with XXXX, ensuring that the medical billing information shared with you and reported to the credit bureaus was done so in accordance with privacy laws. 
Please understand that an itemization of charges does not satisfy my request for full validation of this debt. As per federal law, you are required to provide the original signed contract and documentation that substantiates the legitimacy of this debt. Until this documentation is furnished, I am requesting that all collection activities, including any reporting to credit bureaus, be halted. 
I expect the requested documents to be provided within the next 15 days. If this matter is not properly addressed, I will escalate this dispute with the Consumer Financial Protection Bureau ( CFPB ) and other relevant legal channels. Furthermore, if the account can not be fully validated, I will demand its immediate removal from all credit reporting agencies. 
Thank you for your prompt attention to this matter. I look forward to receiving the full validation documentation soon. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : XXXX CC : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (VA)

Applied to consolidate loans through Aidvantage for the sole purpose of qualifying for XXXX. Aidvantage has processed the consolidation with higher interest rates but applied an Equal payment plan. This is not acceptable and resulted in higher payments than I had before consolidation, while I qualify for XXXX. I need this applied before payments resume and the person on the phone couldnt really give me any solid information and said I can wait to call back.
Consumer complaint received 2024-10-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (MI)

VALIDATION AND CEASE AND DESIST Eastern Account System, IN Address : XXXX XXXX XXXX XXXXXXXX, CT XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Dear Eastern Account System, IN, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. Please provide the original contract between the creditor with my wet signature stating that I agreed to pay. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (CA)

Tracking # ( MTCN ) : XXXX Western union, i find it truly invasive of privacy laws, that to send {$50.00} 0r {$100.00} dollars they requested a social security number and passport and driver license, the thing it bothers me that to drug dealers that uses western union to laundering money, they don't request no information, I have already spoken to them provided documents including social security number and every single time is always the same issued. I need that money refunded.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CT)

In XXXX I used an XXXX XXXX credit card ( issued by Citibank ) to buy 2 tickets, total value of {$1900.00}. At the time of purchase I paid an extra {$250.00} to make both tickets fully refundable. Since the pop-up offering this option said nothing about fare conditions, I checked the fare rules ( supposedly legally binding ), which said that these tickets were refundable anytime. Both trips were cancelled well before the departure dates. But when I applied for a refund in XX/XX/XXXX, XXXX said the tickets expired one year after issue and would not be refunded. This was NOT disclosed when I bought the tickets. Since when does refundable anytime mean refundable only within one year? Does XXXX abide by its own fare rules? It appears they do not. 
At that point, I stopped making payments and disputed these charges, but got no useful response ( see dispute letter I sent and Citibank 's useless response ). I have also contacted XXXX XXXX about this matter, but they have refused to do anything to resolve this dispute, saying only that it is between me and Citibank. 
Now Citibank has filed a collection lawsuit against me, trying to force me to pay over {$2500.00} ( including an outrageous {$600.00} in interest ) essentially for NOTHING and threatening to ruin my credit if I do not. If they want to recover what they paid for the tickets, they should be suing XXXX, not me. This is ABUSIVE and this lawsuit needs to be withdrawn.
Consumer complaint received 2024-07-11
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. (NY)

Unauthorized inquiries on 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Debt Recovery Solutions, LLC (FL)

I am filing this complaint due to inaccurate debt reporting by XXXX XXXX XXXX, which is appearing on my credit report. This error has resulted in financial harm through credit denials and reputational damage due to the false representation of this debt. 

On XX/XX/year>, I contacted XXXX XXXX XXXX directly, disputing the debt and requesting documentation in accordance with my rights under 15 USC 1692g Sec. 809 ( b ). To date, the company has failed to provide sufficient documentation to validate the debt, including : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to the collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Despite the lack of response or proper validation, this debt remains inaccurately reported on my credit report, and this misrepresentation is unjustly harming my financial standing.
Consumer complaint received 2024-10-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (TX)

In accordance with the fair credit reporting act XXXX XXXX account XXXX has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources (AL)

Reviewed most recent credit report and I noticed a collection that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection in question did not belong to me. 

Under code 15 USC CODE 1692g & 15 USC CODE 6802 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home
Consumer complaint received 2024-07-11
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

In short, I purchased a round-trip flight ticket on XXXX for a trip from XXXX XXXX XXXXXXXX and back on XXXX XXXX XXXX XXXX The return leg of my trip was summarily canceled by the Airline without any reason or notice. ( the booking was canceled, not the flight. I had to purchase at the check-in counter a new one-way ticket for a seat on the exact same airplane ). I pursued a partial refund ( for the canceled leg ) via XXXX XXXX XXXX XXXX XXXX, however the two companies kept pointing the finger at each other. So I decided to dispute the charge on my credit card, Capital One, directly. I followed their dispute process. At a certain point Capital One asked me to upload evidence to support my claim. I uploaded my cover letter and 5 exhibits supporting my case, including one which was a email from XXXX to XXXX XXXX XXXX asking them to compute the value of the cancelled leg so that my refund could be processed ( in other words, confirmation of the cancelled booking ). Less than 5 minutes after uploading these documents to Capital One 's website, I received an new letter from Capital One stating that they had reviewed my documents and it was insufficient, and that the case was now closed. Clearly no one read a thing!!!
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX reported incorrect information on my credit report. It was due to their own internal system issues and even though they admitted to that, they have not fixed the situation or reported the correct information to the credit reporting agencies.

I have always had AutoPay set up to a bank account on my credit card. XXXX XXXX XXXX said they accidentally stopped that program on my card and removed any bank account connections to pay the credit card bill. They also refused to notify me of amounts due. When calling to pay off the balance and set up Auto Pay again, they admitted it was a system mistake on their end. I had to request to another support number to have it corrected and the late payment removed from my credit report, since it was the fault of XXXX XXXX XXXX systems. They have refused to take this action.