davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 inructions 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 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am sending to follow up on my previously submitted complaint dated XX/XX/2023, in which I detailed my unfortunate experience as a victim of identity theft. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I would like to reiterate the urgency of the situation and emphasize the imperative requirement for the prompt removal of fraudulent inquiries and associated information from my credit file. As stipulated by the mentioned section, Credit Bureaus are mandated to remove any items listed on an identity theft report not later than XXXX business days. I have enclosed, once again, the pertinent details of the reported issues, including the ID THEFT REPORT # XXXX for your reference. Additionally, I express reservations about the accuracy of the details provided by the Credit Bureaus concerning these items, as they remain unknown to me. For your convenience, I have outlined the specific items that require immediate removal from each Credit Bureau : XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-05-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (PA)

I have sent numerous amounts of letters to the creditors they say I owe them. However, they have failed to respond to any of my letters. I have sent letters to the XXXX, XXXX and XXXX in the hopes that they would remove the items from my credit report. They have said that the accounts have come back verified however they have failed to provide me with documentation of proof that these accounts are mine. I have sent letters very month since XX/XX/XXXX trying to resolve the matter. the accounts in question are XXXX XXXX XXXX XXXX XXXX  and Security Cred.
Consumer complaint received 2024-05-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: D.S. Erickson & Associates, PLLC (WI)

Debt collector garnished wages after I sent a wage exemption form within the 10 days of receiving notice. Wages were garnished on XX/XX/2024. I am exempt and am on government assistance. ( Wisconsin XXXX )
Consumer complaint received 2023-11-18
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (VT)

I left XXXX as a customer in the beginning of XXXX XXXX I was told my last bill would be XX/XX/XXXX which was paid. I was sent a notice in late XXXX that I had an outstanding balance left, I had since moved to another state ( XXXX XXXX XXXX XXXX ) and I didn't have access to a XXXX  store. I called the number on the notice and all they told me was that they couldn't tell me anything over the phone since I was no longer a customer. I when I to a XXXX store in late XXXX when I finally had the opportunity to and they said that I had equipment out still. I returned the equipment and have a receipt that I was delivered and I heard nothing else since then. Then come late XXXX I get a notice that the bill was now {$400.00} and was sent to collections, I contacted XXXX again on XX/XX/XXXX and went into the store they could not and would not tell me what the debt was actually for so I had to contact the collections company ( Amsher collections ) to get the details, so I did they said that I have to talk with their legal team since is with them now. I contacted the legal team and they said they would send me a itemized and detailed list of what the debt was for. I have not received any notice and when I contacted them again on XX/XX/XXXX and XXXX they said that it was sent and since they already sent it once they can't send it again.
Consumer complaint received 2023-09-07
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. (CA)

I am writing to report an identity theft incident and request assistance in addressing fraudulent accounts that have been wrongly added to my credit report. I recently discovered that my personal information has been compromised and used without my authorization to open credit accounts. I am taking immediate action to rectify this situation and request your help in resolving these issues. 
Below are the details of the fraudulent accounts : XXXX XXXX XXXX and Bankruptcy XXXX XXXX-dismissed Reference number : XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NJ)

CITIBANK NA., BEST B XXXX XXXX XXXX  CITIBANK NA, WAYMC XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries were not authorized
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I discovered that I was a victim of identity theft, multiple credit cards and loans were taken out in my name by changing my personal information and utilizing my social security number. I noticed XXXX bank visa card account showing on my credit report, it does not belong to me so I immediately filed a report on identiytheft.gov and sent a copy of the report to the credit reporting agencies and the original creditor. The card account came off my credit report for over a year, it recently showed up again. I contacted the credit agencies and XXXX bank directly, they have not responded to my requests and have not removed the incorrect information.
Consumer complaint received 2023-07-14
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 some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate 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
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This company has violated my federally protected consumer rights. The company have 2 inquiries reporting on my credit file that they said were deleted and they are still there. I will provide the original confirmation number as a document.

15 US Code 6802- states that a financial institution may not directly or through any affiliate, disclose to a non affiliated third party any non public personal information unless financial institution provides or has provided to the consumer a notice that complied with 6803 of this title.

15 USC 1681 Section 602 A states I have a right to privacy.

US Code 1666B states a consumer reporting agency should never consider a credit card payment as late under an open end credit consumer plan for any reason. 

Those accounts reporting late are : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I have successfully filed a lawsuit against XXXX and XXXX. Now I will be filing against Equifax if no action is taken.
Consumer complaint received 2023-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NV)

I rented a vehicle from XXXX XXXX XXXX  They are accusing me of causing {$750.00} worth of alleged damage to a rented vehicle. Any and all scratches, or other damage to the rented vehicle was already present at the time that they rented the vehicle to me. I do not know what the dates are because they will not respond to any of my requests for information. I have been requesting this information for more than a year. As a member of their rental program, I rented from them often in various states. All of the vehicles that I rented were covered by my insurance company, XXXX, so there is no reason for me to damage a vehicle and not file a claim, if I did any damage, which I did not. 

I have also requested from the Radius Collection agency the same information and they said they have requested the information from XXXX, who has not provided the proof as requested.
Consumer complaint received 2023-04-20
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2023 To Whom It May Concern : I recently received a copy of my Equifax XXXX XXXX XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account Number : XXXX and XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2023-11-18
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. (DC)

I am submitting this complaints in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. The account are listed below that needs attention : XXXX XXXX XXXX Balance Owed : {$5400.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00}, XXXX XXXX Balance Owed : {$170000.00}
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my deep concern and dissatisfaction regarding the numerous unsuccessful attempts to rectify inaccuracies in my credit report.The purpose of this letter is to formally register a complaint against the persistent errors present in my credit report. 

I have made repeated efforts to correct the inaccurate information in my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). Unfortunately, despite my numerous attempts and the submission of supporting documentation, the inaccuracies persist, causing considerable distress and hindering my ability to secure fair financial opportunities. 

The inaccuracies in question include late closure, charge off and inquiries. I have attached copies of the supporting documents that verify the correct information and clearly demonstrate the errors in my credit report. 

Despite these efforts, I have not received any meaningful resolution or acknowledgment of my concerns. This lack of responsiveness is not only a violation of my rights under the FCRA but also an impediment to my financial well-being. 

I kindly request that you promptly investigate and correct the inaccuracies in my credit report. Additionally, I expect a written response detailing the results of your investigation within the statutory timeframe as outlined in the FCRA. Please assist me to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$46000.00} XXXX XXXX XXXXXXXX Balance Owed : {$6300.00}.
Consumer complaint received 2023-07-14
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
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. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2017-07-17
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. (MS)

I am writing to dispute the following information in my file. I recently received a copy of my TransUnion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible   XXXX   (  XX/XX/XXXX  )   XXXX   ( XX/XX/XXXX  )   XXXX   XXXX   XXXX   ( XX/XX/XXXX )   XXXX   XXXX   (  XX/XX/XXXX  )  XXXX  (  XX/XX/XXXX  ) I have sent the company multiple letters trying to get this resolved.  XXXX  has resolved the problem but TransUnion has not.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Klarna AB (TX)

On XXXX the XXXX, I purchased a pair of earrings from XXXX 's via Klarna. Klarna charged me for the earrings to be paid in 4 installments of XXXX. Klarna took the 1st payment, XXXX from my credit union account. When I received the earrings, one of the earrings was damaged. I immediately returned the earrings to XXXX XXXX. XXXX acknowledged that the returned earrings were received. 
Per Klarna, there was communication between XXXX and Klarna and a credit was initiated between XXXX and Klarna as stated by Klarna. Since the earrings were returned to XXXX, I requested my money be refunded by Klarna ... 1st payment of XXXX ; however, Klarna has now illegally excessed my credit union account. Took an additional XXXX, 2nd payment? I call this fraud since Klarna is aware that I returned the earrings. By the way, I was never informed by XXXX nor received any such thing as gift card ( s ) from XXXX 's as stated by Klarna.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$1500.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$11000.00}.
Consumer complaint received 2017-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

I canceled a transaction on or around  XXXX , the amount is {$1300.00} to  XXXX . My request to cancel was not honored and my  Paypal  card was charged for items after being shipped, delivered on or around  XXXX . M y Paypal debit  card was charged on  XXXX , the complete transaction is copied here :  XXXX    XXXX    XXXX  Payment -  PayPal Debit  Card Loading g transaction  details for  XXXX  Payment  - PayPal Debit  Card - negative {$1300.00}.     This transaction is a consignment, items were shipped to me and given  48  hours to return them before being charged. I received package on or around  XXXX , due to a delay in not receiving them.  XXXX  left several door tags, I was not at home, a signature is required in person. I was not able to open the package until after the  48  hour return time frame had passed. Upon opening, it was discovered the items,  XXXX  pairs of mens   XXXX   XXXX  hoes, were not in the boxes. I informed the merchant and they insisted they were in box upon shipping, was advised to dispute charge with credit card. A dispute was filed on  XXXX ,  Paypal r eps were advised of the above information. However, they seem to keep missing what I told them, ask for same information repeatedly. Once piece of information, the  XXXX  tracking number, is not available. Oddly, it does not appear in my online  XXXX  account, I am signed up for delivery alerts with  XXXX  and all packages going to and from myself appear online except for this  XXXX  ... The merchant did not provide a receipt copy of either, which I believe is also requested b y Paypal.     They do not seem to understand I do not have this missing information as merchant did not provide it. In closing, please advise  Paypal t his is all the information I have and I need credit for these missing items, even as a temporary  XXXX .
Consumer complaint received 2024-05-09
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I have been denied opening bank accounts due to inaccurate reporting from XXXX XXXX via Chexsystems. Upon reaching out to XXXX XXXX I was ad ised they had no reporting on their end showing the derogatory remark and to re submit a dispute with Chexsystems so this remark can be removed. I received the updated report with no adjustment or revision of the derogatory comments. I reached back out to XXXX XXXX and after being routed to 5 different departments who were unable to verify this derogatory remark I became more concerned to how Chexsytems was able to receive such reporting and I, as the consumer who is affected by the reporting, has been told they can not find the information. My concerns are whether or not chexsystems is in fact reporting correct information.