davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NV)

I was charged for Service with XXXX when technician never came out to install service. 

I called to order service from XXXX on XX/XX/2019. I was notified that the technician would be late but the technician never came. Then I was rescheduled to install service on XX/XX/2019 and a technician never came. Then I was rescheduled to XX/XX/2019 and no one came. Then my installation was rescheduled to XX/XX/2019 and I waited for a technician to come and they never came. I was then notified that the order was completed on XX/XX/2019 without a technician ever coming to install. I then called XXXX to tell them it was not installed and the operator remarked it was strange and that they will investigate and remove the service. Then I get a bill for the service and I called XXXX again and they said that they are going to remove the charge. I later get a collections from this " Service '' I have never received. I called to dispute and nothing came of it at first.
Consumer complaint received 2024-04-22
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 recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. The account was not opened by me and I do not recognize it or the name. Please remove the fraudulent account from my report as soon as possible.
Consumer complaint received 2023-06-10
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX DOB : XX/XX/XXXX XXXX # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attn : Customer Relations Department XX/XX/XXXX Re : Request to describe method of verification To Whom It May Concern : I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 



Re : Account Name : XXXX XXXX XXXX Account Number : XXXX Please send the following information used to verify the validity of XXXX XXXX XXXX Account Number : XXXX I am formally requesting that you provide proofs of the following : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 



I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting 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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/1980 SS # : XXXX To Whom It May Concern, I am writing to file a formal complaint regarding inaccuracies in my credit report that have been causing substantial harm to my creditworthiness and overall financial standing. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated due to the following inaccuracies : XXXX. **Creditor : XXXX XXXX XXXX XXXX : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

Violation : **Inaccurate Reporting - Violation of FCRA Section 623 ( a ) ( 1 ) ( A ) : ** The information reported by " XXXX XXXX XXXX indicates that my account with account number XXXX has not been paid on time. To the best of my knowledge, this is a gross misrepresentation of my payment history. I have diligently met my obligations and made timely payments for this account. 

Reporting Information After Knowing It's Inaccurate - Violation of FCRA Section 623 ( a ) ( 1 ) ( C ) : Despite my attempts to rectify this situation, " XXXX XXXX  '' has persisted in reporting inaccurate information regarding late payments. Their continued reporting of false information demonstrates a blatant disregard for the truth. 

Personal Story : The distress caused by these inaccuracies extends beyond financial matters. I have been working diligently to secure a better future for my family, including purchasing a home. However, due to the unjust negative reporting by multiple creditors, my credit score is lower than it should be. This has put our plans on hold, causing XXXX XXXX XXXX XXXX, and financial difficulties. 

In light of the violations outlined above, I implore the Consumer Financial Protection Bureau to enforce legal action against the aforementioned creditors for these violations and demand immediate corrective actions : 1. Update the account information to accurately reflect my payment history.

2. Delete the inaccurate information that is severely affecting my credit score. 

I respectfully request your urgent attention to this matter. Your intervention could provide relief and help rectify the damage caused to my credit report. 

Thank you for your consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The following inaccuracies have been identified in my credit report : Duplication of Account Details : Transunion has incorrectly duplicated the account details of my XXXX XXXX  account onto my XXXX student loan account. This erroneous duplication has led to my XXXX student loan being inaccurately classified as a mortgage account. This misclassification has had adverse effects on my credit profile. 

Incorrect Delinquency Label : Due to the aforementioned duplication of account details, Transunion has incorrectly labeled my XXXX student loan as having been delinquent at some point in its history. I would like to emphasize that my XXXX student loan has never been delinquent. It has always been current and is now closed. 

I kindly request that Transunion take immediate action to rectify these inaccuracies in my credit report. Specifically, I ask that you : Correctly update my XXXX student loan account details to reflect its accurate status as a student loan, not a mortgage account. 
Rectify the payment history details to accurately reflect that my XXXX student loan has never been late or delinquent. 
I understand the importance of accurate credit reporting, not only for my personal financial well-being but also for the credibility of credit reporting agencies like Transunion. I trust that you will promptly investigate and resolve this matter.
Consumer complaint received 2024-04-22
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. (AL)

I requested that TransUnion send me proof of each alleged collection that is reporting onto my credit report. It has been over thirty days, and I have yet to receive any correspondence pertaining to any of the alleged collection accounts on my report. There are currently three ( 3 ) collection accounts showing on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting PROOF OF THESE ALLEGED DEBTS be provided to me immediately. Proof needs to show WHEN these companies obtained these accounts from the original creditors. I am also requesting proof of the original consumer signed contracts with my physical signature showing that I ever had an agreement with any of the original creditors as well as the collection companies. I am also requesting to see where these alleged debts were sold to each collection company with the balance on it that I allegedly owe. I am also requesting copies of any papers that bear my signature, verification or copy of any judgment if applicable, proof that the Statute of Limitations has not expired on any of these alleged collection accounts, as well as proof to me that these collection companies are licensed to collect in my state, with each collection company 's license numbers and Registered Agent Identification numbers. Failure to respond to these validation requests within 30 days from the date of your receipt for all references to these accounts would violate my rights under the Fair Debt Collection Act, and these alleged collection accounts must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Failure to do so, will result in my consultation with my legal counsel for suit.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I have sent a letter to these credit bureaus concerning my personal information and they have not responded, nor have they updated the information. Please update my credit report with XXXX name, XXXX date of birth, and XXXX address. All of the other information is inaccurate on my report. Please delete.
Consumer complaint received 2024-04-22
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. (TX)

My name is XXXX XXXX XXXX XXXX. 
I am an active XXXX XXXX  of the XXXX XXXX. 
Seeking assistance in removing inquiries that have not been approved by me. 
Tried contacting these creditors with my limited available time. Some do not show me in their system, and others unable to reach anyone without being placed on hold for almost XXXX hour. 

The creditors below have pulled my credit without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC (FL)

This company continually texts me.. daily.. even after I have asked for them to stop. I have responded and asked them to verify the debt.. they have not. I have never had an account with XXXX and they continually text me, call me etc trying to collect. I have blocked numbers only to be contacted through a new number. It is endless and it is annoying. It interrupts my work day and I just want it to end.
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. (TX)

Please delete these fraudulent accounts from my credit report as they do not belong to me and I have no knowledge of them. As per the provisions of USC 1681g, I request that you remove them from my report within 15 days. I have attached the necessary documents for your reference.
Consumer complaint received 2022-11-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2024-04-22
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. (MD)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
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. (MD)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-24
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (GA)

On XX/XX/2023, I used my Money Network card to purchase {$20.00} from a XXXX ( XXXX XXXX ) reload kiosk. The machine displayed that the transaction was unsuccessful. So, I went to the another kiosk a few minutes later and tried again to load {$20.00} on my bus card. This second attempt was successful. However, when I checked my Money Network ( MN ) account balance, I realized my account had been deducted {$40.00}. I called the company and was told the transaction was pending and the {$20.00} should be put back on my card within 3 days. It never happened. I called XXXX and filed a dispute form. I, also, called MN and asked them to send me a dispute form. They said they would mail the form and once I received it, I had 10 days from the day of my call to fill out the info and mail it back. I never received the form. Instead, I received an email stating that I needed to confirm my address because my letter was returned to them. I called and gave them my address again. The representative said the address I gave was the same as on file. I asked her to resend the form. I received the form on the 9th day! I didn't fill it out ; I called instead. The rep said the investigation would still take place without the form. Soon after, I received a letter from XXXX stating that they never received the {$20.00} from the unsuccessful transaction. The investigation was over and my claim was denied. I received a letter a few weeks later from MN stating that my claim was denied because they needed more proof. I called the number on the form and tried to enter the extension but, there was no option to put in the extension. I called them and told a rep this was a computer transfer and I had no way of sending any further information. MN is refusing to refund me for a unsuccessful transaction in the amount of {$20.00}. I recently read some reviews on this company and realized I'm not alone. Many complaints about not receiving refunds for unsuccessful and unauthorized transactions. They have a one-star rating.
Consumer complaint received 2023-11-29
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. states I have a 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. 

Also within this account, there are many reporting errors associated with this account.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Dear Sir/Madam, I trust this letter finds you in good health. I am writing to request a modification to my address information in my credit report. My name is XXXX XXXX XXXX, and my birthdate is 1998. I currently reside at XXXX XXXX XXXX XXXX XXXX, AL, XXXX. 

I have recently relocated and kindly ask for your assistance in updating my address information as follows : New Address : XXXX XXXX XXXX XXXX, Alabama XXXX I understand the critical importance of accurate data on my credit report, and I am committed to ensuring the correctness of my personal information. I kindly request the removal of all my previous addresses, which were as follows : XXXX XXXX XXXX XXXX XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX I kindly ask that you update my credit report with the new address mentioned above. If any further documentation or verification is required, I am ready to provide it. Kindly confirm the completion of this update by sending a written confirmation to my email address at XXXX or by contacting me at XXXX. 

Your dedication to maintaining accurate consumer information is greatly appreciated. Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-09-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: World Omni Financial Corp. (FL)

I sent a registered security to Southeast Toyota and its indenture trustee, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. I offered both of them 14 business days to answer. I called both parties on XX/XX/XXXX, and Toyota had no idea what I was talking about. I called XXXX XXXX several times ( for 5 days straight ) and each time I got a message. I then resent all of the documentation ( it was a pretty large packet )! I repeated the method and nothing happened. Toyota repossessed my vehicle on XX/XX/2023. Toyota and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have not returned my documents. This is a particular kind of securities fraud. 
I still have copies of the registered securities and will resend them if necessary. I don't want anybody to have access to my personal information through this website.
Consumer complaint received 2023-12-06
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: JPMORGAN CHASE & CO. (WV)

The month of XXXX JPMORGAN CHASE did not pay my mortgage. I used their bill pay on my app. It has been set to automatically pay my mortgage on the XXXX of every month. However, there was some sort of malfunction and they missed paying it in XXXX, but managed to make XXXX payments in XXXX ( XXXX and XXXX ). I reached out to JPMORGAN chase in XXXX when I discovered a drop in my credit score. After several transfers from department to department a representative told me they would send a letter to me correcting the problem. Unfortunately, I never received a written letter and when I called back a few months later they said they don't send letters. This was the first lack of truth. I filed a complaint with the XXXX XXXX XXXX and someone from the " escalation " team reached out. Her name is XXXX and she sent me a letter stating there was no malfunction and no letter of acknowledgement would be sent to me. I am a XXXX  who depend on technology for my independence. I have used this function on their application for years. I find it absurd to send a letter stating there was no malfunction or they didn't send out letters. I didn't reset or create any other requests for the bill, yet it continued to pay correctly the following months of XXXX and XXXX. This is a classic example of XXXX vs XXXX. My credit health is poor due to their negligence and refusal to correct it.
Consumer complaint received 2024-04-21
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. (NM)

This file was removed from my report recently. I am requesting it be removed immediately. It is well over 7 years old. Also, I didn't approve for XXXX XXXX to sell my loan. If it appears on any of my credit bureau files again, I will not notify through this service but file a lawsuit. This is interfering with me obtaining a home loan for myself. REMOVE IMMEDIATELY. I will file a lawsuit if it appears on my reports again. 

XXXX XXXX account number XXXX