davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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: Resurgent Capital Services L.P. (FL)

LVNV Funding LLC is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent XXXX, XXXX, and XXXX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theftXXXX XXXX XXXX XXXXXXXX ACCT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

LVNV FUNDING LLC is sharing my nonpublic information with nonaffiliated 3rd parties XXXX, XXXX, & XXXX. LVNV FUNDING LLC does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are violating my rights to privacy as a consumer, they withheld my rights to be able to opt out of sharing reporting private inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Consumer complaint received 2023-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (LA)

On XX/XX/2023 at approximately XXXX, I, XXXX XXXX came into TD Bank located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX to add XXXX XXXX onto my account. We presented all requested and required documents and signed all documents. On XXXX XXXX a domestic wire was submitted to the account name of XXXX XXXX and XXXX XXXX ( what is should be since XXXX was added ) but it was rejected because it TD bank stated it had the wrong name on the account. This rejection of the wire was due to the bank employee at the XXXX, nj location, not processing the necessary paperwork almost month earlier to add XXXX XXXX to the account. I reached out to the bank and they found all the documents and added XXXX XXXX to the account and then asked us to resubmit the wire. We were buying a house out of state in XXXX XXXX, XXXXthe next day. Unfortunately, the wire did not clear in time for our depart to go to our closing. I contacted the bank to see if we can do a wire transfer over the phone or if they can forward a cashiers check, but to no avail. The title company also requested a cashier check via XXXX but to no avail. The issue is, we would have had the money for closing on the property had TD Bank not rejected the incoming wire due to their employee negligence of failing to add XXXX XXXX. This has cost an extreme burden and hardship as we stand to possible lose our home as well as the additional money to fly and lodge to go to the bank and do the wire in person. The banks solution to their negligence is for me to fly to another state that has a td bank and do the wire transfer in person.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I keep call and email yall bank of America XXXX is playing with my money. Lieing in coming up with stuff so I want get my account and card. And its no way they can do that to my stuff. So yall need to talk to my company and see what they up to.
Consumer complaint received 2024-05-15
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. (GA)

Experiencing a sudden plummet of XXXX XXXX  in my credit score this month due to a reported late payments has left me deeply concerned. It's baffling to encounter such a significant drop, especially when I've diligently managed my finances. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically the 15 USC 1681 section, I firmly believe that there shouldn't be any unwarranted damages on my credit report. It's imperative for me to take immediate action to address this issue, meticulously examining my credit report for inaccuracies and initiating the necessary steps to dispute the erroneous entry. Restoring the integrity of my credit profile is paramount to safeguarding my financial stability and future opportunities.
Consumer complaint received 2023-04-26
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. (SC)

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX I didn't authorize any inquiry to be made on my credit
Consumer complaint received 2024-01-28
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: CITIZENS FINANCIAL GROUP, INC. (FL)

Hard inquiry has been placed on my credit report on XX/XX/2023 by XXXX without my consent negatively affecting my credit profile. 


Hard inquiry has been placed on my credit report on XX/XX/2023 by XXXX XXXX without my consent negatively affecting my credit profile. 


Hard inquiry has been placed on my credit report on XX/XX/2023 by citizens without my consent negatively affecting my credit profile.
Consumer complaint received 2024-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

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 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (TX)

On XXXX I submitted letters to regarding inaccurate and unknown things on my credit report. To this day over 60 days later I haven't received a response yet. I feel like I'm being ignored and my disputes are being ignored. Section 611 ( a ) it states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report it has been over 60 days so the should be deleted promptly. I demand these items be deleted immediately or I will file for litigation for the XXXX and XXXX  this is causing me. My information was also impacted by the Equifax data breach and may have gotten in the hands of the wrong person.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I show a XXXX  on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-05-15
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. (MO)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

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 2023-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (MD)

XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, Suite XXXX, Washington XXXX District of Columbia, XXXX FrontLine Asset Strategies , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dear XXXX XXXX XXXX XXXX I am writing to dispute the validity of a debt that your client, FrontLine Asset Strategies , LLC, has claimed that I owe. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The reference number for this matter is XXXX. I am requesting that you provide me with all relevant documentation and evidence to support this debt. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) provide consumers with certain rights and protections when it comes to debt collection and credit reporting. 

Under the FCRA, I have the right to dispute any inaccurate information on my credit report and to receive a response from the credit reporting agency within 30 days. The FCRA also requires that the credit reporting agency investigate any disputed information and correct or delete any inaccurate information. 

Under the FDCPA, debt collectors are required to provide consumers with certain information about the debt, including the amount owed and the name of the creditor. Debt collectors are also prohibited from using false or misleading statements in an attempt to collect a debt, and they must stop contacting a consumer if the consumer requests that they do so. 

I am disputing the validity of this debt and I request that you provide me with all relevant information to support your claim. In addition, I request that you take the necessary steps to remove any negative information that may have been reported to credit reporting agencies regarding this alleged debt. Please provide me with written confirmation of the removal of any such information from my credit report. 

It was explained that there would be no sort of credit involved by the XXXX XXXX representative and here I am being charged. This is a deceptive practice and this alleged debt is invalid. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

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 2023-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

I was orginally billed {$1500.00} for medical services rendered at XXXX XXXX in XXXX, FL for date of service of XX/XX/XXXX by a group call XXXX XXXX in XXXX, TX. 
I was approved for financial assistance at 100 % by XXXX XXXX by written approval letter dated XX/XX/XXXX. This was communicated to the billing dept. at XXXX XXXX and a copy of the approval letter was email to them on XX/XX/XXXX. 
On or about XX/XX/XXXX I received an invoice from a collection agency, Capio Partners referencing the same amount and they were retained to collect this same debt. 
I called both Capio Partners and XXXX XXXX on XX/XX/XXXX and was informed this was an error and the account has been reconciled as-of XX/XX/XXXX. 
I called the billing dept. at XXXX XXXX on XX/XX/XXXX and followed up with further documentation via email inclucing my financial assistance approval letter once again along with a detailed invoice from XXXX XXXX showing all dates of service and services rendered and any further issues with this account that I would be contacting the FL State Attorney 's Office and the CFPB. 
I learned in early XXXX that this issue had not only been resolved as I was informed, but now had been reported to XXXX and XXXX XXXX to be added to my credit report. 
I've already opened a complaint with the FL State Attorney 's Office and disputed the account via XXXX. 

This is obviously an example of XXXX XXXX engaging in persistent, fraudulent billing activities. One simply needs to look at their XXXX reviews to see this is common practice. Rather than properly reconciling the account on their as I was told on XX/XX/XXXX, they never communicated with me again and rather sold the account off to a collection agency ( Capio Partners ), who have now submitted it to my credit report despite my communication to them as well. 

I furthermore notifed XXXX XXXX 's billing dept. on XX/XX/XXXX via phone that any issues around dates of service not matching the approval letter can be resolved by them ( the provider ) calling XXXX XXXX 's financial assistance dept. at number provided on the approval letter and referring to the detailed hospital invoice showing all dates of service. XXXX XXXX refused to give me a contact person/control person/supervisory contact. 
Their information is as follows from the original invoice : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Thank you in advance for your assistance with this matter and helping stop this harassing and fraudulent billing activity.
Consumer complaint received 2019-03-18
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. (GA)

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC report had been filed, they will be attach to this complaint.
Consumer complaint received 2024-05-15
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. (GA)

There is Information that is on my consumer report that is a result of identity theft and are in VIOLATION!. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Under 15 USC 1681b Permissible purposes of consumer reports Subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates I NEVER gave ANY consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT The identified transactions are not information related to any transaction by me the consumer. 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 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 Per 15 USC 1681c-2 A Consumer reporting agency shall block the reporting of ANY information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft within ( 4 ) days from the receipt of this notice. I look forward to your prompt action.
Consumer complaint received 2024-05-15
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX closed my account because according to them I was not using it often enough. The problem I have with that is it dropped my credit score by XXXX points. I was in the middle of obtaining a loan and I no longer qualified for and have not been able to get. 

I need for your bureau to redefine what that means how that can be corrected and see how it impacts people 's credit when the creditor has been paid all that the person utilized from them. A creditor closing an account for that reason should NEVER be allowed to transfer into HARM by making a negative impact on anyone 's credit when they do not choose or need to use a card by a specific time, which was offered to them.

I paid off that bill and others on time every time for a reason. That is one reason so many Americans are in debt, based on bad legislation and allowing companies to control policies to keep getting paid. Right now they have caused me undue harm and punishing me by the impact on my credit.

I need you to speak to congress to make it illegal for the credit bureau to lower credit scores because you have not utilized a credit card in a while that is forcing us to give companies our money when we do not need their services.?? Why are you allowing this esp.

In times like this who wants to be forced to purchase things just to hold up companies even when you do not have a current need just to have more bills.

This drop, increased my utilization rate and lowered my score preventing me from the credit that I needed to get. Now it is putting my project at a stand still as well this is unfair and should be illegal it is forcing us to work more to pay for thing we don't need. It is a system parallel to slavery which is controlled by the credit card companies and the credit bureau.

The credit bureau and that company needs to be held accountable for even instituting that conspiracy to keep people spending or have them paying a price for not spending with them.

You need to do something to fix this mechanism and force the credit bureau to replace those scores and to not have the approved credit amounts to be removed from anyone 's credit. The economy needs to flow it can't flow if people can't borrow because they paid off old debt until money is available again. If a person closes an account they no longer want the credit bureau should reflect the level of credit they were approved and the length of time they had the card and it should never become a negative impact credit hit to lower anything it should just be silent or if anything it should reflect a paid as agreed and be a positive on the report that can not be removed for seven years.