davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (NJ)

On XX/XX/23, Hunter Warfield , Inc. sent me an email to my email account stating that they were collecting a debt for XXXX XXXX XXXX of {$140.00}. The email stated that I could dispute the debt in part or in full by XX/XX/23. If the debt was disputed, Hunter Warfield, Inc. must stop collection on any amount you dispute until they send information that shows you owe the debt. On XX/XX/23, I sent a letter through certified mail disputing the debt in full and requesting a debt verification letter. A copy of this letter is attached in the documents, as well as my certified mail receipts. As outlined by the Fair Debt Collection Practices Act : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' ( 4 ) was never completed by Hunter Warfield , Inc. after I disputed the debt and requested a debt verification letter. Additional collection efforts were made by Hunter Warfield, Inc, they call me every day attempting to collect this debt. As of today XX/XX/23, the debt verification letter has yet to be sent to me. This is a violation of the Fair Debt Collection Practices Act. At some point that is unknown to me, Hunter Warfield , Inc. reported a collection to XXXX, XXXX, and XXXX. This collection now appears on all of my credit reports, and is negative to my credit score.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Fraudulent account XXXX XXXX XXXX Reported : XXXX XXXX, 2023 - {$690.00} Closed Should not be on my credit it also is showing late payments an it's affecting my credit score That's fraudulent account
Consumer complaint received 2021-11-27
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. (PA)

On XX/XX/2021 I sent Certified mail to XXXX XXXX XXXX, XXXX, Equifax, and XXXX about the 2 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS OF 15 USC 1692b ( 2 ) and 15 USC 1692 ( 5 ). I am demanding DELETION of this account from my consumer report from all 3 of the credit bureaus.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX YONKERS, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX AV XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXXXXXX XXXX XXXX XXXX : {$110.00}, XXXX XXXX Balance Owed : {$0.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (GA)

On XX/XX/XXXX I was alerted through a credit monitoring email that ProCollect , Inc had placed a derogatory mark on my credit report for a balance owed to an apartment complex, The XXXX XXXX, of {$240.00}. Prior to placement of this mark on my credit report I had no knowledge of the alleged debt and had never received any correspondence or communications from ProCollect or the apartment complex about this debt despite leaving my forwarding address and phone number with the apartment complex and confirming my account was clear at move-out. The apartment complex has not returned my deposit of {$250.00} which would have covered the alleged debt amount nor have they sent any final statement. I moved out of the apartment in XX/XX/XXXX in accordance with my lease after closing on my new home. I am an attorney and would never jeopardize my credit for an unpaid {$240.00}. I had always paid my rent on time in the 3 years I lived at the XXXX XXXX from XXXX. I personally cleaned the apartment and left it in good condition with no damage upon moving out so I can not imagine what the alleged debt is for. I have videos of the apartment condition at move out. 

After learning of the derogatory mark, I called ProCollect and the apartment complex immediately on XX/XX/XXXX. When I could not reach the XXXX XXXX  by phone, I called the owner, XXXX XXXX. The XXXX  rep stated she did not find any evidence that I owed a balance and that it was likely a mistake and would have someone call me back. Since then, neither XXXX  or XXXX XXXX have responded to my email or calls. ProCollect refused to provide me any validation of the alleged debt or say what it was for but requested payment over the phone. I made it clear to them I was disputing the debt and that I had no knowledge or notice of the alleged debt and that they had not attempted to contact me prior to placing a mark on my credit report. On XX/XX/XXXX, I sent ProCollect a letter via certified mail and email disputing the alleged debt and requested any evidence from the apartment complex ( Statement, invoice, contract etc ) that would validate the debt and their right to collect. I also requested they remove the mark from my credit report. After the call and sending them the letter, on or about XX/XX/XXXX I received the first letter ever from ProCollect in the mail ( letter dated XX/XX/XXXX ) attempting to collect a debt without any information or validation as I requested and required by law in violation of fair reporting laws. I still have not received a response to my letter with proof of the alleged debt and the ProCollect account and derogatory mark is still on my credit report as of today XX/XX/XXXX.
Consumer complaint received 2023-10-30
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting act this creditor ( XXXX XXXX ) has violated my rights. Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

1601. Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
Consumer complaint received 2023-10-30
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. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

There are 3 unauthorized credit inquiries on my credit reports from XXXX XXXX XXXX XXXX from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize any of the inquiries from those dates.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The account is already reported to credit bureau as closed as of XX/XX/XXXX. However capital one says account still opened and balance. There was a discrepancy on the behalf of capital one. Accounts are paid and closed with XXXX balance to all credit bureaus as of XXXX XXXX.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (AZ)

My credit limit on my US bank credit card was significantly reduced very abruptly I have heard they can do this without peoples knowledge but I clearly feel this is very unnecessary and inappropriate considering I was always on time for years with all my payments except 1or 2 times I paid slightly over the due date and instantly they reduced me all the way down to where it looked as tho I had maxed out my card affecting my score and hindering all the hard work I had built on my credit score I had reached out to Us bank several times asking them to reverse this they said I had to request a credit limit increase which would also add an inquiry this is not a fair practice I warned them if they did not accommodate my request fairly soon I would be closing my other accounts with them I had had for several years as well as rating them very poorly and never returning
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Dear sir, I would like to file the complaint and dispute my credit report, which issued by your company, Experian, and sent to my email address, XXXX, on XX/XX/XXXX of 2023. My report number is XXXX. There are three parts which need to be disputed. 

1. Personal Information : Name ( s ) Associated with My Credit. 
XXXX XXXX XXXX ( XXXX ) There are two names listed. I want to dispute one of them, XXXX XXXX XXXX. My legal name in XXXX and the United States is XXXX XXXX. I do not have any middle name in legal status. My husband family name is XXXX. Since I have decided to keep my XXXX family name as a legal family name, I do not use it for any legal issues ; even though I might have used it for some shopping reward cards. If possible, somebody might have tried to add my mothers maiden name XXXX as my maiden/middle name ; however, I do not use it since it does not relate with me at all legally. 

XXXX. Address ( es ) associated with my card. 
XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Multifamily XXXX XXXX have never lived XXXX XXXX XXXX XXXX Since I have lived XXXX XXXX XXXX XXXX XXXX XXXX, I know this questioned address should be situated in the same apartment complex, XXXX XXXX in XXXX XXXX. However, this apartment complex has XXXX apartments for each number ; therefore, only XXXX without A, B, C, and D is suspicious. And I am not sure why our apartment compartment is called multifamily, even though each apartment can have XXXX, XXXX, or XXXX depending on the numbers of bedroom ( s ).

3. Other personal information associated with my card. 
XXXX My spouse has legal name XXXX XXXX. Since our family names are different, it might be better to mention his family name.

4. My Personal Statement on the report.

ID SECURITY ALERT/ACTIVE DUTY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I AM CURRENTLY ON ACTIVE MILITARY DUTY, DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. 
As I am not on active military duty, I can not understand the content of this personal statement. I have received the notification of FTC Identity Theft report ( XXXX ). Also, I can not understand what without my consent to fraudulently obtain goods or services. At all, since I do not know clearly what were obtained through the fraudulent and illegal activities regarding my identity. 


Sincerely,
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2023-12-27
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. (PA)

The credit card I have is XXXX XXXX. I have never missed a payment with them but yet they are reporting a late payment on my credit. I had a XXXX balance on the months that they said I missed which no payment was due. They said they would fix it but never did. I disputed it and still nothing
Consumer complaint received 2023-09-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (TX)

Vanilla gift card XXXX XXXX case XXXX XXXXXXXX I just opened ( see picture ) a gift card from XXXX ( purchased at XXXX ) and the balance was XXXX. When I put in the card number and information, it showed it was activated and used for XXXX, I did not make or authorize this purchase and never heard of XXXX. I XXXX XXXX and nothing was found online, this is not a company or merchant!! I have requested a new card with {$100.00}. 

I called the customer service line and spoke with a person, he opened my case and told me to submit the attached documents. I am attaching the front and back of the visa card I just opened TONIGHT and my DL to open the investigation. Once the investigation was opened I tried to put in the card information to get the details for the account and the card is inactive so I don't have the details on the fraudulent transaction. I XXXX  vanilla fraudulent changes and this seems to be a common problem I didn't see the results that most of the complaints were resolved by returning the stolen funds. 

This was a gift card and I wasn't given the receipt but I will ask my daughter to attempt to find the receipt or get the transaction register from XXXX.
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my extreme dissatisfaction and urgency in addressing a critical matter that requires your immediate attention. It has come to my attention that there is a fraudulent account tarnishing my credit report, and I demand an aggressive and immediate deletion of this erroneous entry. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

The presence of this fraudulent account on my credit report is not only an inconvenience but a blatant violation of my financial security. I refuse to accept any delays in rectifying this situation, and I insist that you take swift action to remove this fraudulent account without further delay. 

Details of the fraudulent account are as follows : XXXX XXXX  XXXX FRAUD, PLEASE DELETE!!!!! 

XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

The presence of a fraudulent account on my credit report poses a serious threat to my financial well-being, and I will not tolerate any further delays in resolving this matter. Failure to comply with this request will leave me with no choice but to escalate this issue through legal channels to protect my rights. 

I insist that TransUnion treat this matter with the utmost urgency and professionalism. I anticipate your immediate attention to this issue and a satisfactory resolution in the shortest possible time. 

I expect your prompt response.