davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TN)

On XX/XX/XXXX, XXXX and XXXX, I received written correspondence from Transworld Systems Inc. regarding a medical bill for a XXXX XXXX for {$4500.00}. 

The XXXX XXXX never received any medical related services on the dates provided on the letters from the debt collection agency. 

The XXXX XXXX  was not present at any facility on the dates of services nor was any care authorized by the debtor. 

The parent named as the debtor never provided any consent, signature, verbal or written consent for any medical services to be provided on the date ( s ) of service. 

The debt collection agency is intimidating our family by sending notices for the same illegitimate debt 3 times over the course of 4 days. 

I contacted Transworld Systems XX/XX/XXXX and said this debt does not belong to me or the XXXX XXXX. I was told repeatedly that I could not dispute the debt over the phone and that the debt was valid and that it would be reported to my credit if I did not pay it by XX/XX/XXXX or accept a payment arrangement. 

On XX/XX/XXXX I sent a letter disputing the debt and asked for the information that could be provided, such as the name of the original creditor. 

I contacted Transworld Systems XX/XX/XXXX and asked if my letter was received. I was told there is no record of the letter 7 days after the letter was mailed US Mail. 

Transworld representative said you can also submit your dispute online. I reiterated that their online website was not operating and that I was unable to get credentials to log into the website after several attempts. 

The representative was getting frustrated with me and elevated their tone and told me, you are responsible for the debt and it will be reported against your credit if you do not pay it on time. The representative went on to say, your dispute, even if you really sent one, won't accomplish anything meaningful for you. You will still be liable and further action could proceed against you if you do not pay the debt in full.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX please 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 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-09-22
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. (NJ)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TransferWise Ltd ()

On XX/XX/year>, I completed a legitimate transaction and received payment in the amount of XXXX XXXX, but the following day, Wise disabled my account and prevented me from accessing my funds. I was directed to make an appeal when I contacted customer care. I did and provided my identity details, but after providing all the necessary information, they replied that my account would remain closed and I would not be getting a refund.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2023 and again XX/XX/2023 I called Capital One regarding my 2 credit cards about the hardship program. I spoke with XXXX ( ID # XXXX ) about the BAP program and enrolled. At that time he stated they would no longer be reporting my payments late and would remove the late payments from all 3 credit reports as of that date. This has not happened and I was lied too by the customer service representative. Not only did they fix the previous late payment reporting, they reported the payments that I did make as late as well. Now my credit reports ( all 3 ) are showing that I am 90 to 119 days late or 60 to 89 days late. I would not have entered into this program had the customer service rep lied to me about the outcome and what Capital One was willing to do. I simply was trying to get back on my feet after a temporary job loss and they preyed on my niativity.
Consumer complaint received 2023-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Upon disputing a medical bill on my credit report, Rash Curtis sent me documents to verify the debt. According to my rights under the FDCPA, A collector has to give you validation information about the debt either when they first communicate with you or within five days of the first contact. The collector has to include the following : their name and mailing address, the name of the creditor you owe it to, how much money you owe, written out to include interest, fees, payments, and credits, what to do if you dont think its your debt, your debt collection rights, including your right to get information about the original creditor if you ask for it within 30 days of getting validation information from the collector '' The letter did not include an " address '' for Rash Curtis and Assoc as required by law. The letter did not include " what to do if I think this debt is not mine '' as the FDCPA requires. 
The only address provided is for a debt collector called " Recovery Revenue Specialists '' and they list a XXXX XXXX XXXX I can not find any legal business information for this company through the XXXX, State of California or XXXX XXXX Fictitious Business XXXX. 

I've attached the supporting documents.
Consumer complaint received 2023-05-11
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: CCS Financial Services, Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa, XXXX XXXX You are in direct violation of fair credit reporting act. Credit collection services XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In reviewing my credit report on XX/XX/23, it was noted that an account I have disputed as " not mine '' is still reporting after disputing this information with TransUnion. TransUnion has not provided proof of ownership of this account and continue to report this inaccurate information damaging my credit worthiness. I am requesting the proper verification and accuracy of this account. The account is reported as XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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: EQUIFAX, INC. (NC)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2023-11-16
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. (PA)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved. In XXXX XXXX terms and conditions they agreed not to share my personal nonpublic financial information with non affiliates. XXXX, XXXX and Transunion is not an affiliate of XXXX XXXX nor a " bureau '' as they have stated. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. In reference to the XXXX XXXX Account # XXXX. I wrote XXXX XXXX a letter informing them of their inaccurate reporting of an account on my consumer reports. XXXX XXXX is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency such as XXXX, Transunion, and XXXX if the person knows or has reasonable cause to believe that the information is inaccurate. The IRS Clearly defines a charge off/Canceled debt as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt of { {$3400.00} } in order to file as ordinary income. Where is my 1099-C XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information, and as such I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (ID)

I have been trying to dispute my credit report with experian for over a year through the mail. And experian only wants me to do it over the phone or on line and I do not want to do that. I have tried calling them and all they say is that I can do it over the phone or on line, or send in a personal written letter saying that it is me sending in the letters of dispute. When I send in a dispute all I get from experian is an email saying that they received a dispute but it doesn't look like it came from me when in fact it did. I even sent the hand written letter like they suggested and I still get the same response. I am so frustrated with them that I don't know what else to do.
Consumer complaint received 2022-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've sent multiple letters to transunion credit bureau concerning a bankruptcy, wrong addresses, & wrong birth date on my credit report, which probably explains the wrong information on my transunion credit report. I started sending letters in XX/XX/XXXX. I recently started sending additional letters starting in XX/XX/XXXX again.Transunion hasn't responded at all. It seems transunion is blatantly disregarding the rules of the Fair Credit Reporting Act. I recently purchased copies of all XXXX credit reports. XXXX XXXX XXXX doesnt have a bankruptcy on their credit reports. I've asked transunion how are they identifying a bankruptcy on their credit report. I've sent transunion a copy of my driver 's license everytime I sent a letter and advised them about the incorrect addresses & birth date. Below i also i have a letter from the Bankruptcy Court explaining they do not report or provide information to credit bureaus or agencies
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One willfully refuses to remove the closed account from my XXXX report. Theyve refused to send Debt Validation letter as requested. This account needs to be removed from my credit report as theyve failed to provide the requested information.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 2023-10-30
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. (NY)

Notice to Agent is notice to principal notice to principal is notice to agent. 


On XX/XX/2023 you received my dispute regarding some transactions and late payments that you and XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Please update this account and transaction from my consumer reports : Never Late ( PAANL ) : 1 ) XXXX ( Account Number XXXX ) - XX/XX/2023, Your truly XXXX XXXX
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol, you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!
Consumer complaint received 2024-01-22
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (OH)

I made a purchase on XX/XX/year> including gift cards and decorations plus misc repair items. Because of the gift cards I had to present my drivers license to the store cashier and manager prior to completing the transaction which was done. I then received a text to call the credit card company. I was then told a copy of my license and utility bill was needed to prove it was me who made the charge. I thought it was fraud and asked for something in writing. My card was frozen and I did receive a letter. I called the credit card company and advised that I already had shown my license twice. I also expressed my concerns with my ID on some system. I previously had my identity stolen with fraudulent charges and the only way the damage was minimized was because the crooks did not have my ID information. I advised the company that I made the charges. The amount is still on my bill which I am making payments. If there were concerns about whether I made the charges, the company should have taken the amount off the balance which has not been done.
Consumer complaint received 2024-03-30
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX XX/XX/2024 To whom it XXXX concern : I just got my credit report and some accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts ( XXXX XXXX XXXX ) Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), And 15 USC 1681e ( b ) Once you have deleted my accounts from my credit report, Please send me a copy of my updated report. 

Thank you, XXXX XXXX
Consumer complaint received 2023-12-25
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. (GA)

I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX, XXXX, and TransUnion regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have sent multiple letters to the XXXX XXXX XXXX on the following dates : XX/XX/2023, XX/XX/2023, and XX/XX/2023. In these letters, I requested that the XXXX XXXX XXXX confirm the validity of the debt and cease collection efforts as required by applicable state and federal laws. Despite my requests, the XXXX XXXX XXXX failed to respond to the letters sent on XX/XX/2023, and XX/XX/2023. Moreover, they continued to report the debt to the credit bureaus, which I believe is a clear violation of my rights under the FDCPA and the FCRA for their failure to verify the debt, cease collection efforts, and for inaccurate reporting. on XX/XX/2023, I called XXXX XXXX XXXX in regard to their failure to respond to my letter and they sent me a via email with nothing I have asked from my validation letter and was past the 30 days time frame from XX/XX/2023, when I first asked for them to verify the debt with me. 

Furthermore, I have evidence from the XXXX XXXX XXXX XXXX XXXX XXXX  reviews showing that the XXXX XXXX XXXX has engaged in similar practices with other individuals. They have consistently failed to send validation of debt or respond to validation requests, failing to follow the guidelines set forth by the FDCPA and FCRA. 

In addition to these violations, I have been unable to obtain my free credit reports from XXXX and TransUnion via XXXX for the past XXXX months, which is a violation of my rights under the FCRA. This inability to access my credit reports has further hindered my ability to address and correct inaccuracies. I also want to point out that in my credit report XXXX XXXX XXXX has XXXX different addresses and phone numbers on my credit report and none of those addresses/phone numbers matches the address or number they have on their website which is inaccurate and confusing to me I kindly request that the CFPB investigate these violations of the FDCPA and FCRA by XXXX XXXX XXXXXXXX XXXX XXXX, and TransUnion, and take appropriate actions to remedy these issues. Additionally, I request that appropriate enforcement actions be taken against the XXXX XXXX XXXX for its continued violations, as demonstrated by the evidence provided. 

Enclosed with this complaint, you will find copies of all relevant correspondence, including my certified letters to the credit bureaus and XXXX XXXX XXXX, as well as their responses, and evidence from the XXXX demonstrating their repeated violations.