davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/2023 Wakefield And Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX To Whom It May Concern, I am writing this letter in response to the recent credit report I received that shows a debt allegedly owed to your company. I am requesting that you provide me with all legal documents that prove the validity of the debt in question. 

As a responsible consumer, I take my financial obligations seriously and I am willing to pay any legitimate debts that I owe. However, I can not do so without proof that the debt is valid and that I am responsible for it. 

Under the Fair Credit Reporting Act, I have the right to request validation of the debt before it is reported on my credit report. Therefore, I am requesting that Wakefield And Associates provide me with the following documents : 1. The original creditor 's name and address 2. The account number associated with the debt 3. The date the debt was incurred 4. The amount of the debt, including any fees or interest charges 5. Any written agreements, contracts, or other legal documents that support the validity of the debt I request that this information be sent to me within 30 days of receiving this letter. If I do not receive this information within the specified time frame, I will assume that you are unable to provide the requested documentation and I am requesting the immediate removal of this debt from my credit report. 

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-10
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. (IL)

According to the information given to us from the Bankruptcy Court, they do not report the bankruptcies.to the credit reporting agencies, per ( 17 ) ( CFR ) ( 160.7 ) ( FG1 ). Therefore, we hereby refrain from sharing our non-public personal information. Additionally, we request that you provide us with an updated privacy policy that reflects our opt out preferences and an updated copy of our credit reports from all three ( 3 ) credit agencies. See letter from Trustee Agency below. *************************************************************************************************** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wanted to correspond regarding our previous conversation on the credit bureaus, the trusteeship, and your completed bankruptcy case. Upon the completion of a XXXX XXXX XXXX plan the standing trustee files a Final Report and Account with the XXXX XXXX. The trusteeship does not report to nor correspond with the credit bureaus. After the Trustees final report is filed with the court, the presiding judge will discharge the trustee from the case and officially close the bankruptcy. As the status of the case changes based on the orders from the corresponding judge, the updated status become available through the courts electronic records. It is often the use of these electronic court records through which relevant parties are made aware of the status of a particular bankruptcy case. In addition to the courts electronic records, each creditor listed under the bankruptcy plan is also notified by the court of the discharging and closing of the case. Some of these creditors will update their own records with the credit bureaus so that the completed status of the case is reflected. 
Best regards, XXXX 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 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

My daughter is secondary on my account w/ Chase bank. I am XXXX yr. old F w/ # medical maladies. My daughter is on my acct. IN case of me being hospitalized, or in case of my demise. But since she is on my acct., even though I am owner, she requested paperless statements. So, because she requested paperless statements, Chase bank also made my accounts, checking/ savings, paperless. I have complained to the bank more than once. I was instructed to make her " beneficiary '' BUT if I do that, she can only access my account w/ proof of DEATH w/ death certificate!!!! Therefore, that is NOT conducive for what I need! So, I do believe in this day & age w/ technology, the bank should honor my request & stop giving me duress!
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (TX)

On XX/XX/23 I was charged {$39.00} for a subscription I wasnt aware I signed up for. I called in and was advised that their monthly subscriptions is only {$19.00} and she didnt see a charge for {$39.00}. I requested a refund and for the rep to cancel the subscription. The rep advised that she would cancel the subscription but cant request a refund for something that wasnt charged by them. I called back and spoke with someone else whom advised she would put in the dispute and cancel the subscription. As Im waiting for a resolution XX/XX/23 I get another charge for {$19.00} after being advised twice it was cancelled. I called in again and spoke with a gentleman whom assured me that the subscription would be cancelled and the dispute will be resolved within 7-10 days. I lease refunded for the XX/XX/XXXX transaction but not the XX/XX/XXXX transaction. I called in today XX/XX/XXXX and was advised the dispute was denied because I didnt call in. I explained to the rep about the multiple calls I made and he stated he would escalate the issue again as if its gone be the same result. This rep was able to confirm that he see 2 charges so Im confused as to why my original dispute was denied.
Consumer complaint received 2024-04-29
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. (FL)

This is my second time writing these XXXX XXXX XXXX to show proof that the law were followed by these companies listed below and their credit agency as well, instead I was sent the e-Oscar computer generated computer response stated that the account was verified but no proof of how this answer and verification was provided, I am asking for proof of validation, verification and proof the laws listed below were followed. I DO NOT consent to the response being computer generated or e-Osca responses which is not an accurate investigation that is required by law. 
The first violation of law your credit agency and these other companies violated was the 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud ( 1099 OID ). By Law companies are supposed to send me the consumer a copy of the 1099A & 1099C from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. Any account that has been paid for such as " chargeoff '' must not be added or remained on a consumer 's credit report due to debt has been paid by the IRS, these debts are now considered income and income is against the law to be reported on a consumer report ; it is also against the law for them to fail to mail or deliver the copy of 1099 form to the consumer. I do not give consent for any paid off accounts that are reporting as charged offs to be on my consumer report. Failure to do so will require me to seek legal aid to assist in the laws not being followed or valid proof by law of investigation findings of the information listed on reports.
Consumer complaint received 2024-05-23
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. (MD)

I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!
Consumer complaint received 2024-01-10
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. (GA)

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  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 2023-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HFS Financial LLC (TX)

This company stated they offer loans and start at no credit check for pre approval. They never disclosed that they are a Brokerage and don't offer the loan directly. They also never advised there was a 3 % finders fee. I was not allowed to pick my own terms and was just sent over a contract to sign after they ran my credit. When I called to complain, the supervisor did nothing but say he's sorry it wasn't what I expected but they send out the disclosures. When I asked him to show me where I signed the discourse and how I can review them, he said they're a one time click button and he doesn't have anything in writing. He also advised there is no harm because they won't charge me anything to cancel my application. I advised him if I would have known they were a broker and charged a 3 % fee I would have never wasted my time, submitted an application, nor sent personal information to them. After that he sent me a disclosure form with my name on it and predated it to XX/XX/28 with no signatures.
Consumer complaint received 2021-01-27
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: EQUIFAX, INC. (OK)

I submitted a previous complaint COMPLAINT ID XXXX They did not fix the root issue 1. They can not verify me 2. They can not or will not provide a credit score 3. They charged me {$19.00} fee multiple times 4. They sent a paper copy of my report with no score ... 
5. Their operators send me to a survey recording that hangs up - forcing me to recall. 

They did not answer the questions and issues I have ...
Consumer complaint received 2024-05-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (GA)

On XX/XX/XXXX I noticed a debt collection on my credit report from Sunrise credit service. RE : XXXX XXXX XXXX XXXX  account. for {$1800.00} I disputed it.I also filed identity theft report. send Sunrise credit service and email with the letter from identity theft claim. That was sent on XX/XX/XXXX XXXX XXXX XXXX responded back asking my for me ssc number address and phone number after I give him that information did not hear anything back from him. now the credit reporting company 's removed it from my credit report.May XXXX I received a letter from Sunrise credit service still stating I owed them {$1800.00} they want me send them a copy of my driver 's license and sign a declaration that never was sent with a letter to me I just don't trust them with any more of my personal information I already gave them my ssc number address and phone
Consumer complaint received 2023-06-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Mortgage due XX/XX/XXXX our bank withdrew and posted on XXXX. Making XXXX payments in XXXX month. I unaware, until we received foreclosure notice XXXX stating we were delinquent. Freedom Mortgage did escrow analysis- I did not know that meant late payment. Our payments went up and I was not paying correct amount unknowinly our payments were going into suspended state. 

Once I became aware of this, I was able to come up to correct amount. The process of notification and reporting to credit report is my complaint. I spoke to agent she explained they called me and notified me via email. I did not received any voice mails stating XXXX was unable to contact me. I did received change in status which again, I did not know that meant late payment. 

They automatically notified credit report and reported XXXX days late on mortgage. Other creditors automatically lowered available credit. We have no emergency funds and can not apply for new credit now due to this. 

Thank you for your assistance XXXX XXXX
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (FL)

On XX/XX/2023 i mailed a certified letter to Experian which was received and delivered on XX/XX/2023 at XXXXXXXX XXXX, I never received ANY RESPONSE back of the investigation i requested about the inaccurate accounts you are reporting, then i sent another letter certified delivered XX/XX/2023 XXXX XXXX  certified asking for a response to my previous letter and investigation and i still didnt get a response and i feel that i am being taken advantage of and ignored of my disputes section 611 ( a ) it plainly states failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report, it has been over 30 days so they should be deleted promptly and clearly you are violating my laws and the fair credit reporting act. i demand these accounts be removed and deleted immediately.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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. (MD)

My credit was used fraudulently. I have filed an Identity Theft report again, as requested by TransUnion. I have submitted it to them via mail, however, they continually send me letters stating that they won't process the dispute because they don't think it's me submitting the letter along with the Identity Theft report. I am here to tell you that it is me. I am writing this correspondence because my last communications that was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all went unanswered. Im sure you understand that credit bureaus are mandated to follow the Fair Credit Reporting Act and under said act, you are REQUIRED to respond to all disputes and/or requests for verification of compliant reporting within 30 days. You have FAILED to do so and are now in VIOLATION of the federally composed Fair Credit Reporting Act. Per 15 U.S. Code 1681i ( a ) : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-01-09
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)

These accounts were wrongfully added to my consumer report, I have proof of no lien from any of these companies from the secretary of State via UCC11. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NV)

They will not let me access my account. They keep locking me out of it. Every time I try to get help, the employees refuse to help me be able to log in, and instead insist I pay over the phone, which I do not feel comfortable with. The first time I was successfully able to log in, it was because the employee deleted my account and had me re-register it. However, after that experience, the other employees after him refuse to help me. I either get hung up on right after I say " hello '' ( was not rude and didn't have a bad tone ) or they ask me " why do you want to get into your online account? '' which I found weird. Whenever I answer that question, they say they cant help me get into my account and to pay over the phone, which again, is super weird. I don't know why I can't just pay online, and it also makes me nervous that I have cards saved to the account from the one time I was able to get into it because they won't even let me in my account. Please help : (
Consumer complaint received 2023-06-13
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. (CA)

This is my tenth 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 records 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 XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00}.
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION (IL)

I had a Student Loan with PenFed and got my life changed and became a handicapped person that makes no income for ever due to XXXX XXXX XXXX. I requested a loan cancellation three times and they disagreed regardless of Medical Evidence and Availability from Doctors.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to express deep dissatisfaction with the ongoing presence of fraudulent item on my credit report. After reporting this identity theft, I contacted the company linked to this fraudulent account. While they acknowledged the validity of the report, they cited an inability to provide records. However, they assured me that the fraudulent account would be swiftly removed. 

XXXX XXXX XXXX XXXX 

It is important to note that both XXXX and XXXX have already removed this account from their records after identifying and correcting an error. I find it baffling that your bureau continues to verify this account when the other bureaus have already removed it. I urge you to remove this account from my file, as they are riddled with inaccuracies, errors, incompleteness, or unverifiability.