davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, TRANSUNION, AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS. 

COMPANY NAME : XXXX XXXX XXXX ACCOUNT # : XXXX -- -> {$1800.00}
Consumer complaint received 2023-03-01
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. (GA)

In accordance with the Fair Credit Reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.S 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 federally protected consumer 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 : 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. 1681 s-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 2020-12-29
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. (GA)

Sent a dispute letter for several accounts to Experian on or about XX/XX/2020. Received certified return receipt stamped received XX/XX/2020. It is now XX/XX/2020 and I have not received a report or status. Attempted to contact Experian today via phone to inquire and ask that they remove disputed items and they refuse, could not get a live person on the phone only automation. ( FCRA ), 15 U.S.C. 1681 et seq. / FCRA Section 623 states if info can not be verified as accurate etc. within 30 days it must be deleted. Its been over 90 days, the items I disputed should be removed.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payfare International Inc. (MA)

I was stopped while working and asked to verify my identity to continue working. The man said his name was XXXX and worked for XXXX and gave me a badge number. He said they were having problems with premium XXXX  having relatives work for them and it was a contract violation. He told me to stop the delivery I was on and verify myself. He paid me thru the payroll app a cancellation fee for cancellation of my delivery he then canceled the delivery. He had personal information about me and my working statistics. He asked me for a code that I received via email. He then would not let me work until I provided this code to him. He was using the pause your XXXX  function through the XXXX  app. He paused my XXXX  XXXX separate times preventing me from XXXX. I thought I had to give him the code to keep working and he said he needed it to pay me another fee. After I gave him the code he changed the phone number in my XXXX direct account and issued a virtual card to himself and spent {$1300.00} in funds. I immediately tried to stop this by changing the phone number back to my own number and the guy had hacked my email address stopping me from receiving emails until I kicked all users off my session and then I received all the emails I was not getting. Those emails were the second step of authentication for me to change the phone number back. When I was able to get XXXX support on the line they secured my account and reissued me a card to stop the account from being used again fraudulently. They said I had to dispute every charge and submit it to them and it would take 60 days I have waited and to no avail. They were trying to secure a one time payment from pay fare back in XXXX and I was then told to wait for pay fare to call me back. I havent heard a thing from pay fare about this matter. This all happened XX/XX/2022.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-10
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: EQUIFAX, INC. (HI)

Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I am an XXXX XXXX XXXX who has been XXXX XXXX  for the past XXXX years. I also have alot of hard credit pulls on my report dating back to XX/XX/2022 that I didnt approve. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect names reported on my credit report, such as XXXX XXXX, XXXX XXXX, and XXXX XXXX. Below are the accounts XXXX XXXXXXXX XXXX- {$1600.00}. 

XXXX XXXX XXXX {$1300.00}. 

XXXX XXXX {$1200.00}. 

XXXX XXXX {$69.00}. 

XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00}
Consumer complaint received 2020-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

The debt is 8 years old. It was reported by collection agencies in the past and was paid in full 4 years ago. I contacted the compony to let them know this debt was paid and the person I talked to claimed he was not in charge. They out me on hold and directed me to voice mail to leave a massage. I did and left my contact information as well. Next day they reported my credit. They put a lot of emotional and financial distress on me, specifically on this virus outbreak, and social distancing time.
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

TRANSWORLD SYSTEM INC reported a debt in the amount of {$110.00} to the credit bureaus that was opened on XX/XX/XXXX, and I was never notified or received a letter about this debt collection before they reported a collection to the credit bureaus. I have moved out of the apartment on XX/XX/XXXX and called to close this utility bill from XXXX. It is impossible for me to receive any letters if it was sent to that address. Now, this is affecting my credit score because I never received a proper notification from TRANSWORLD SYSTEM INC. I also called Transworld System Inc today to just pay {$110.00} for a pay for delete, but I was told by their representative that they do not do that, so even if I pay for this debt which I have no clue about, my credit will still be affected in a negative way ; this call was being recorded by them as to what their representative stated, and this can be verified by them if they want to do so.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CT)

XX/XX/XXXX. Fraud early warning system went into effect and blocked an important purchase I was attempting to make in the amount of {$1800.00}. All three representatives I spoke to including a supervisor refused to lift the block on the account despite having provided them with the correct account information and security questions information. The supervisor even said 'he didn't blame me ' when I told him that I would be reporting Citibank to the CFPB. This company is deplorable with the worst and most antiquated policies. Phone numbers should not be the only means of determining card ownership. I am tired of going through this with them. I want the credit score restored from the time before they pulled a credit check in XX/XX/XXXX. I hate this company and want my credit restored at once.
Consumer complaint received 2023-10-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I requested proof of Debt Validation Request on XX/XX/2023 I haven't received nothing back from the company, but the original price was balance was {$1900.00} but as of today the updated balance is {$2000.00} I am writing to formally request the validation of a debt that your agency claims I owe. I received a communication from your agency regarding an alleged debt, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt. 

I request that you provide the following information to establish the validity of the debt : 1. The full amount of the alleged debt, including any additional charges, fees, or interest that have been added.

2. Detailed information about the original creditor, including their name, address, and contact information.

3. Proof of your agency 's authorization to collect this debt, including documentation demonstrating that you are licensed to collect debts in my state.

4. Verification of the date this alleged debt was incurred, along with any supporting documentation that proves I am responsible for the debt.

5. A complete payment history showing all transactions related to this debt, including any payments made, charges, and any adjustments or credits applied.

6. Copies of any contracts or agreements I supposedly signed with the original creditor, specifically proving my liability for the alleged debt.

Please note that according to the FDCPA, you are required to provide this validation information within 30 days from the date of this letter. During this time, you should cease all collection activities related to this debt until you have provided the requested validation.

If you are unable to validate the debt, or if any of the requested information is unavailable, please immediately cease all collection efforts and remove any negative information regarding this debt from my credit reports. Failure to provide the requested validation will result in the assumption that this debt is invalid, and I will pursue all available legal remedies to protect my rights.

Please ensure that all further communications regarding this alleged debt are conducted in writing. Any phone calls or other forms of communication should be documented and kept for my records.

I expect your prompt attention to this matter and a timely response. I look forward to receiving the requested information within 30 days from the date of this letter. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-30
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. (NM)

I have been calling and sent letters to XXXX to remove ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They are not listening. 
Under this law 15 USC1681b ( a ) ( 2 ). It states everyone needs my consent to report anything to my consumers report. Which I never did.

15 USC 6802 ( b ) ( 1 ) Obligations with respect to disclosures of personal information they must have given me a disclosure prior to reporting my information and I couldve opt out from the companies reporting my info. Which I never did get.

.
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AUSSRQ Holdings, LLC (FL)

I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-09-30
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. (NY)

After disputing unauthorized use with police reports and company information from all 3 credit reporting agencies providing proof of me being the victim of unauthorized use and fraud! 
XXXX and XXXX and equifax still has history and accounts that accept to be removed and also proven to be removed completely, are still on all 3 credit reports for the 2 yrs and the present! 
I want XXXX XXXX  and XXXX XXXX, XXXX  to be removed permanently from all 3 credit reporting agencies!!
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (MA)

I requested Experian to remove the following unauthorized inquiry from my credit file : Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Letters were sent XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2023-01-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX  Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$1400.00} is wrong, and so is the past due amount of {$1400.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines.
Consumer complaint received 2021-06-19
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: SYNCHRONY FINANCIAL (ID)

XX/XX/2021 My name is XXXX XXXX i was checking my credit report and this name company was listed on my report i called bout the lady said couldn't find any information or anything bout me on file not my phone number ss # address nothing..need to know what its bout or who tried to use my information
Consumer complaint received 2023-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FMA Alliance, Ltd. (TX)

I took my son to an emergency room visit on XX/XX/2022. I arranged a payment plan and put my XXXX debit card on file to use. I was unaware that the payments did not go through until I got a letter from a debt collector. 

I have paid in full as of today and want to contest any reporting to credit bureaus about this debt that may affect my credit score. There was insufficient information from the hospital regarding my son 's bills for his visit.
Consumer complaint received 2023-09-29
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. (CA)

I submitted a letter to the Equifax Credit Bureau last XX/XX/2023, to update this suspicious information. I think you have not validated this account 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 XXXXXXXX Balance : {$33000.00}.
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc (GA)

On XX/XX/22 I sent a debt validation letter which will be enclosed to the creditor. I have not as of date received any correspondence back from the creditor. I requested the attached information along with a signature from the company/corporation making it a binding contract.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is computation error or similar in the two-year payment history. Showing inaccurate reported for XXXX XXXX XXXX XXXX  needs to be deleted as soon as possible. It has to be deleted to show 100 % payment history. The account overall is positive and good standing. I am attaching supporting documents. FTC Report has been attached.
Consumer complaint received 2023-06-21
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. (OH)

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- XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Other FCRA laws I have found to be violated : 15 USC 1681e ( b ) 15 USC 1692c 15 USC 1692j 15 USC 1681a ( 2 ) ( b ) 2021 IRS Publication 4681 15 USC 1666b 15 USC 1681a ( 2 ) ( a ) ( i )
Consumer complaint received 2024-04-16
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: JPMORGAN CHASE & CO. (IL)

Upon reviewing my recent credit report, I discovered several hard inquiries listed that I did not authorize or request. These inquiries were made without my consent, which is a direct violation of my rights under the FCRA. 

The FCRA, specifically in Section 1681b, outlines the permissible purposes for which a consumer report may be obtained. It is clear that these inquiries were not made for any of the permissible purposes outlined in the FCRA, nor did I provide consent for such inquiries to be conducted.
Consumer complaint received 2023-03-01
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. (CA)

I am writing to dispute the inaccurate information that continues to be reported on my credit report. Despite multiple attempts to dispute this information and provide evidence to support my claims, XXXX, TransUnion XXXX XXXX has continued to failed to conduct a proper investigation and update my credit report with accurate information, as required by law. 

I am specifically referring to the XXXX XXXXXXXX XXXX Acct # XXXX which has been incorrectly reported on my credit report. Despite providing evidence that this account is inaccurate and inconsistent, it continues to be reported on my credit report, negatively impacting my credit score and livelihood. This account is reporting different last date active, different last payment payment dates, and all have different payment history reporting when theyre all supposed to be reporting the same information accurately Furthermore, I believe that XXXX XXXX TransUnion & XXXX has violated the 15 USC 1681i law on numerous occasions by failing to conduct a proper investigation into my disputes and continuing to report inaccurate information on my credit report. This is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but it has also caused significant harm to my mental state and livelihood. 

I demand these organizations delete this inaccurate account as required by law for reporting inaccurate and incorrect information. I also demand that these organizations compensate me for any damages caused by their failure to comply with the FCRA and other relevant laws. 

If I do not receive a satisfactory response to my dispute within 30 days, I will be forced to pursue legal action against your organization for violating my rights under the FCRA and other applicable laws. 


Thank you for your attention to this matter.