davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

Receipt of email notifications hitting my outlook inbox regarding debt collection by Transworld Systems IncXXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, PA XXXX on behalf of XXXX XXXX located in XXXX, California. TSI reference number is XXXX in the amount of {$210.00}. The XXXX XXXX listed in the email shows an address is located in XXXX XXXX, California. I have never resided at that location, nor have I ever had services provided by XXXX XXXX. This is the 2d email Ive received and I havent responded or attempted to contact them because XXXX suspicious of phishing emails from unknown/unrecognized senders.
Consumer complaint received 2023-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/29, around XXXX, I received a text from the bank informing me of an attempted purchase at a XXXX XXXX Florida ( I live in Nevada ). I opened my bank account to check in case the text was a scam and was met with the app asking me a couple questions about transactions I did and didnt recognize. I then got a call from the Bank of America support number ( XXXX XXXX ) and double checked to make sure it was the correct number before speaking with the representative XXXX XXXX. He asked me questions about some transactions and was actively looking at my bank account, so I had no reason to doubt he was an employee. He had me XXXX my money to a case number where I was told I would get my money refunded to me, yet as of XXXX I still do not have my money. I sent all of the money in my checkings and savings, equaling about {$1800.00}, and now I have gone five days with {$0.00} in my bank account. I called the bank and they said they could not help me.
Consumer complaint received 2024-01-10
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. (TX)

THE FOLLOWING INQUIRIES WERE NOT INITIATED BY ME IN WRITING AND BEAR NO PERMISSIBLE PURPOSE. THESE ARE FRAUDULENT, DELETE IMMEDIATELY. 

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 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MS)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-19
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are 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 XXXXXX/XX/year>
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out into the open 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, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$79.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-03
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-03
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute the accuracy and validity of certain hard inquiries listed on my credit report. After a thorough review of my credit report, I have identified XXXX inquiries that I did not authorize nor have any recollection of initating any transaction or applying for credit with the respective creditors. These inquiries have already been deleted by XXXX, and I am prepared to pursue legal action if your credit bureau fails to take similar action promptly. 

Below are the details of the disputed inquiries : XXXX. Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/year> I wish to emphasize that I did not provide authorization for these companies to access my credit report, and I have no record of engaging in any transactions or credit applications with them. Consequently, I am concerned about the accuracy and legitimacy of these inquiries. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that your agency conducts a thorough investigation into these disputed inquiries. This investigation should include verification of the legitimacy of the inquiries with the respective creditors involved. I understand that under the FCRA, you are obligated to complete this investigation within a reasonable timeframe. 

Furthermore, I request that you provide me with verifiable proof of your findigs and actions taken upon completion of the investigation. Should it be determined that the disputed inquiries can not be verified or are found to be inaccurate, I insist that they be promptly removed from my credit report. 

I would like to remind you of the FCRA 's requirement for consumer reporting agncies to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. 

Please acknowledge receipt of this dispute letter and inform me of the timeline for conducting the investigation and resolving the matter. I am prepared to cooperate fully with your investigation and provide any additional information or documentation necessary to facilitate a speedy resolution. 

Thank you for your attention to this matter. I anticipate a prompt and satisfactory resolution.
Consumer complaint received 2023-05-03
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. (IN)

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. 

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 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 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 2024-07-24
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. (WA)

I was a victim of Identity Theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I have already filed an FTC report. 

The inquiries are : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will invesigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : Account Name ; XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

I used my Citibank Credit card to pay for services on XX/XX/2023. The credit card was accepted for payment without a problem. On Monday, XX/XX/2023, I was advised by Citibank that my credit card account was closed because of 15 months of inactivity. I explained that I had used the credit card prior to the closure of my account. Citibank stated that the charge had not posted. I explained the charge had not been denied on XX/XX/XXXX when the card was utilized. I asked if they were denying the charge and they would not answer my question. Now my charge has been in a pending status for 3 days and they will not post the transaction. The closure of the account will adversely impact my credit score. In addition, I am not sure the services I purchased are void or not because of the pending status. Please help as this charge is still in limbo.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION MANAGEMENT XXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 2023-05-03
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. (IN)

XX/XX/XXXX I get a call, ignored it. They left a voicemail. Didn't call back because I could tell it was a scam. Next day I get a email notification of new activity on credit report. XXXX XXXX XXXX put a fraudulent collection on my report. Claiming I had a magazine subscription back in XXXX, paid for 3 months at XXXX or XXXX month and then quit paying. That I now owe them {$910.00}!!! Mind you it is now XXXX, 5 years later.. I never subscribed to any magazines whatsoever! So I asked him who the original creditor, very hurriedly he said the name so that I couldn't understand him 2 times. 3rd time I asked him to slowly say it.. He proceeds to tell me it was publisher center incorporated promotions. My credit report had it as ( 01 XXXX ). So I googled XXXX XXXX XXXX promotions and nothing came up. I googled XXXX.. Also nothing came up related to XXXX XXXX XXXX. Scam scam scam! I googled XXXX XXXX XXXX Right underneath them is a reddit post with many people having the same story and description as I have with similar money amount ( always under {$1000.00} ) with the 5 year difference and with similar and different fake 3 letter companies such as ( XXXX XXXX as well as on the XXXX site. I disputed the reports and just like other people the credit agencies don't do anything!! So next step is to file for identity theft and I got a police report and I'm sending that in now to get these scammers ( XXXX XXXX XXXX ) blocked and removed from my credit report. They need to be stopped and arrested, based off the other people this has been going on for 2-3years now!!
Consumer complaint received 2023-09-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: G&P Enterprises, LLC (CA)

I fell behind in my Home Owner Association Fees due to XXXX XXXX XXXX due to XXXX deaths in my family earlier this year and loss of employment. 

Despite my best efforts I remain XXXX so I did not pay amounts in arrears. I tried to make payment arrangements but was sent to collections with Allied Trustee Services. XXXX had locked me out of the payment portal so I could not make timely monthly payments to them. 

I was sent a certified letter informing of the debt XX/XX/2023. I called the agency upon receipt of the letter and I made a verbal agreement with a representative named " XXXX / XXXX '' to pay the arrears. I informed that I would begin working XX/XX/2023 and that I was paid once per month. Since the amount owing was high I agreed to make XXXX payments to pay the total amounts owing. I sent the first check in the amount of {$850.00} on XX/XX/2023. I sent a second check representing the balance due - and XXXX months of back HOA fees for XXXX, XXXX and XX/XX/2023 since I was locked out of XXXX XXXX 's payment portal and could not submit payment - I paid it with the arrears amounts and penalties to Allied Trustee Services on behalf of XXXX XXXX. 

Despite the representative that I was corresponding with ( XXXX / XXXX 's ) verbal assurance that no legal action would be taken without informing me first, and without permitting me to submit both agreed to payments the company filed a lien on my property the same day that I made the final payment in full. This was contrary to the agreement that had been made verbally with the representative and caused me a shock when I received the certified letter today, XX/XX/2023 notifying me of same. 

The company cashed my check knowing that they were simultaneously filing a lien on my real property despite my paying their fees and all HOA arrears in full. 

In fact, the fees that Allied Trustee Services has used as the basis of its XXXX are fees that they created by filing the lien and assessing late fees which should not have been brought for XXXX / XXXX. 

I demand that the lien be removed, that the debt be acknowledged as settled and no additional fees be assessed. Plus, they absorb the costs of the additional fees they created in filing the lien. Additionally, my XXXX payment will soon be late because I am still locked out of the payment portal. This is unfair business practices at its best and a breach of the verbal agreement that I made with their company. I kept my side of the deal but they did not.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I, XXXX XXXX, the undersigned, am writing to formally dispute the inclusion of a late payment entry on my credit report, specifically pertaining to my XXXX XXXX XXXX XXXX account for the month of [ XXXX ]. Upon meticulous review of my credit report, I was profoundly dismayed to discover this entry, as it unequivocally misrepresents my payment history and has egregiously impacted my creditworthiness. 

As delineated within the annals of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are unequivocally mandated to adhere to reasonable procedures ensuring the utmost accuracy of the information comprising consumer reports ( 15 U.S. Code 1681e ). It is, therefore, incumbent upon the credit reporting agency to ensure that the information disseminated in my credit report accurately delineates my payment behavior and fiscal probity. 

I maintain, with unwavering conviction, that the inclusion of this late payment entry is egregiously erroneous and patently fails to accurately portray my paymet conduct with XXXX XXXX XXXX XXXX. Consequently, rectification of the entry 's status to " paid as agreed '' is not merely an equitable resolution, but a requisite measure essential to safeguarding the integrity and veracity of my credit report, as mandated by the hallowed provisions of the FCRA. 

Furthermore, pursuant to the auspices of 15 U.S. Code 1681c, it is incumbent upon a consumer reporting agency to permit a user of a consumer report to divulge the contents thereof to the consumer, should adverse action be taken against the latter based, either wholly or in part, on the contents of said report. Therefore, I hereby demand full disclosure of the contents of my credit report in relation to this dispute. 

In the event that the aforemntioned equitable resolution is unatainable, I am left with no recourse but to entertain the prospect of terminating my association with XXXX XXXX XXXX XXXX and exploring alternative avenues. It is of paramount importance that my credit report accurately reflects my fiscal standing, thus facilitating the administration of equitable and transparent lending practices. 

I hereby demand that you conduct an exhaustive investgation into this matter forthwith and take requisite measures to expeditiously rectify the inaccuracies pervasive within my credit report. Your immediate attention to this matter is of the utmost exigency and is earnestly anticipated.