davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (TX)

XXXX emergency services is claiming I used thier services and I did not. They have texted and called non stop. The collection agency Halsted financial has been harassing me stating I owe. I have also never been provided with any proof of the original bill they say I owe.
Consumer complaint received 2023-05-22
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. (MS)

XXXX, Transunion, XXXX, not XXXX XXXX XXXX has not deleted this misleading, erroneous and inaccurate account in over 180 days when the law states 30 days. They have not furnished an Original contract bearing my signature and also all dates and balances are inaccurate as this account and details are not mine, the address to this account also does not belong to me nor does it reflect on any of my credit reports from any bureaus. Please delete this erroneous account immediately. All major credit bureaus should claim to have verified this information but are doing so in a lackadaisical manner ; they have not taken every step to make sure each and every detail of this account is accurate because any inaccuracies merit deletion which is my right.
Consumer complaint received 2023-08-17
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. (GA)

This situation involves a violation of 15 US Code 1681s-2, which outlines the responsibilities of entities providing information to consumer reporting agencies. They failed to furnish me with a written notice about the account before it was reported. Consequently, I am requesting the removal of this account from my credit report due to my disagreement with the asserted debt. 

Furthermore, their actions infringe upon my rights as stated in 15 U.S. Code 1681b ( 2 ), which delineates permissible purposes of consumer reports. They reported the account without obtaining my consent and improperly utilized my social security information. In light of these circumstances, as a victim of identity theft, I am invoking 15 US Code 1681c-2, which mandates the blocking of such data without my explicit written permission. 

According to 15 US Code 1681a ( 4 ), consumer reporting agencies are obligated to uphold my right to privacy. Unfortunately, this right has been violated, as the public reporting of this information by your organization occurred without my authorization. 

I insist on the immediate removal of this account from my credit report.
Consumer complaint received 2023-05-22
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. (IL)

This is my FURTHER Complaint that I was the victim of identity theft but still no action from the 3 credit bureaus to remove the fraudulent items in my file. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I having been calling Transunion for four months because I can not access my credit report or score. When I try to access my credit report or score from any online platform, it send back an error telling me to contact transunion. Each time that I have contacted transunion ( a total of 3 times ), I am told that I have multiple reports in the system and a report is being done and sent to a specialist department. Each time, I have not gotten any feedback and the problem continues. I am in the process of trying to buy a home and even the bank can not access my transunion credit report or score. This is holding me back and as a consumer I should have access to all of my reports and scores. I want this issue resolved immediately.
Consumer complaint received 2023-02-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (CA)

I am filing this grievance as I monitor my credit and was alerted to a collection reporting from XXXX XXXX ( Debt Recovery Solutions , LLC ) that has dropped my scores significantly. Ive received no phone calls or communication via USPS mail to confirm this debt is mine or valid. Due to this I did not obtain the full statuatory period that would have allowed me to dispute the validity of the debt prior to it updating with the credit bureaus. If I had, the collector would have been advised that this debt is time barred and needs to be removed post haste due to misleading and erroneous collection practices.
Consumer complaint received 2024-01-18
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. (FL)

I am attaching proof that Equifax has addmited that I was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX {$1100.00} XXXX XXXXXXXX {$6500.00} XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX {$330.00}
Consumer complaint received 2024-02-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Solutions LLC (GA)

I was contacted by RSI on XX/XX/year> by phone several times my mother was even called. I didnt know who the number calling me was at first until my mother sent me a voicemail with some stating to call them back it was important. The number was a XXXX number and I thought it was from my doctors office.it was not I spoke with XXXX she stated the companys name she proceeded to tell me I had a debt from XXXX XXXX XXXX for XXXX. I automatically told her I didnt owe the debt it was false and my insurance company has a legal open grievance case with the Dr office regarding them not sending in my medical documentation. The Dr office didnt do what was requested and now the dr office is trying to send me a bill for the full amount under GA law they are not obligated to do so. I dont owe this debt the Dr office refused to do what was requested and made their own bill without following the insurance companys contract that was signed. XXXX then proceeded to tell me I can pay on the debt I told her I didnt owe anything and asked why am I getting called. I havent received any notification via mail to dispute this debt at all. She then said XXXX XXXX XXXX told her that there was a 3 way call between me the Dr office and my insurance and my insurance company told me Im liable for the bill. I stated that is false information my insurance company never stated that and thats why there is a legal grievance case out. XXXX stated oh so you did have a phone call I said yes but what your stating didnt happen and I have confirmation of the phone call. She stated since you had the phone call you are admitting to debt I stated that I didnt admit to debt and she cant put words in my mouth because I never stated I owed the debt and I have proof that I dont owe anything. XXXX then stated that the debt was mine and I need to pay now. I stated again I dont owe any debt, XXXX XXXX hung the phone up in my face. I didnt receive any written notification regarding this debt or any written instructions on how to dispute. Only thing I received was phone calls demanding pay and stating I owe a debt and that the debt is mine to pay. No one listened to my side of the story or sent me anything on how to dispute this debt I dont owe.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bull City Financial Solutions for violations of the Fair Credit Reporting Act ( FCRA ) and the unauthorized addition of a delinquent account to my consumer credit file. 

Details of the complaint are as follows : **Unauthorized and Fraudulent Credit Profile : ** While reviewing my recent consumer credit file, I discovered an unauthorized and fraudulent credit profile listed by Bull City Financial Solutions . I did not authorize anyone employed at your company to view or add a delinquent account to my consumer credit file. This action is a direct violation of the Fair Credit Report Act Section 1681b ( c ), constituting fraudulent activity and a serious breach of my privacy rights. 

**Verification and Documentation Request : ** I request Bull City Financial Solutions to validate the information listed in the credit profile mentioned above. Please provide copies of any documentation associated with these accounts bearing my signature, authorizing an account. Additionally, I demand the production of a contract between Bull City Financial Solutions and me, the consumer, bearing my signature, showing that I gave permission to furnish any information on my behalf. 

**Immediate Deletion of Fraudulent Inquiries : ** In the absence of documentation bearing my signature, I formally request that these fraudulent inquiries and the associated delinquent account be immediately deleted from the credit file maintained under my Social Security number by Bull City Financial Solutions .

**Compliance with FCRA : ** Bull City Financial Solutions is obligated to complete this investigation within 30 days, as per the Fair Credit Reporting Act Section 611. I expect full compliance with the FCRA and timely resolution of this matter. 


Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into Bull City Financial Solutions ' actions and ensure that corrective measures are taken promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-22
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. (PA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
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)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX NBT XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-22
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. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX
Consumer complaint received 2023-05-22
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. (ME)

I am a XXXX in the XXXX XXXX since XXXX. I have provided Transunion and XXXX XXXX with my ID 's showing I have been in XXXX and XXXX since XXXX with a permanent address in Maine. 

XXXX XXXX keeps reposting this bad credit, discovered during my security clearance check in XXXX. 

I am in jeopardy of losing my clearance and my job as a result of this incorrect posting if a charged off account that was never my account. I have nothing to do with the account which was opened by a third party. 

Please find my ID 's again showing I am here in XXXX now, since XXXX, and XXXX before that.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (WA)

On XX/XX/year> I was informed I had a new message on my account. I was unable to view this message but I did see a note that my account has been closed. I called Discover customer service, who confirmed the reason for closure was inactivity. I was NOT informed of this closure prior to this date. Discover insists they provided notice in XXXX, which was sent by mail, but I did not receive this notice. Discover confirmed to me on XX/XX/year> during the same phone call that they did NOT attempt to contact me further because the post office did not return the letter. Discover has my phone number and email, and did not attempt contact or any kind to these two contact methods.
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/2023, I did a balance transfer of {$8000.00} to my Wells Fargo credit card. This was a mistake on my part as should have been to another credit card and my wife got them mixedup. Regardless, Wells Fargo has received {$8000.00}. They have refused to refund it immediately, claiming it needs a security review and telling me that it could take 30 days or more. Secondly, I have a Wells Fargo bank account. Even after the review, they could immediately credit my bank account. However, they only committed to sending me a check in the far future, without any commitment on how long THAT process takes. 

First, they have already received {$8000.00} from XXXX XXXX XXXXXXXX, which has never needed security reviews when they pay money. While Wells Fargo mucks around, they are earning interest on my money, whereas I am paying interest immediately for the transfer.
Consumer complaint received 2024-01-18
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. (NY)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-12-14
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. (PA)

I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report immediately, I will be forced to contact a consumer rights XXXX XXXX and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit XXXX XXXX XXXX XXXX, Experian, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.
Consumer complaint received 2024-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

Resurgent capital has been reporting. A fraud account on my credit. I have sent them overwhelming documents proving this account is fraud and yet they keep saying it is verified as mine. I've asked them to send me proof that this is supposedly mine and all I get is a generic answer and a billing statement from the original creditor. This does not prove this is my account only that there is a billing statement! I can not file a police report due.to the age of the fraud account. Its beyond 3 years!! This is an account from XXXX  and can not by law be reported nor collected on due to the statute of limitations on Louisiana debt collection. My local State Atty General office was contacted to be made aware of this and I was told that they reached. Out to XXXX. THIS NEEDS TO BE REMOVED ASAP!
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To whom this may concern : I am writing to dispute the late payment consistently reported on my XXXX XXXX XXXX account number XXXX According to my records, I have never been late on my payments. XXXX and XXXX reports no late payments. However, Transunion reports that I am late. On the other hand, Transunion twice for 30 days and twice for 60 days, respectively. I would like to bring to your attention that this discrepancy is a clear violation of 15 USC 1681e ( b ) protocol, which requires that credit reporting agencies ensure accuracy and completeness of credit reports. Additionally, 15 USC 1681A ( 2 ) ( A ) ( 1 ) excludes transactions and experience that are not relevant or obsolete from credit reports. Furthermore, I would like to assert my rights under 15 USC 6802 ( b ) to opt-out of transactions reporting on my credit report. I would appreciate it if you could remove any late payments that were erroneously reported on my credit report. Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX