davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION (MO)

Company " Charged off '' account XXXX XXXXXXXX and is unable to verify debt or sent any documentation requested. I requested back in XX/XX/2023, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given, written or unwritten, verbal or nonverbal, per 15USC 6802.
Consumer complaint received 2023-09-27
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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. (FL)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (CA)

I REPORTED TO XXXX XXXX THAT MY CAR PAYMENT HISTORY WAS NOT REPORTING TO MY CREDIT FILE. I'VE JUST RECENTLY PAID THE CAR OFF BUT IT'S STILL NOT SHOWING AND I NEED THIS ACCOUNT TO SHOW PAID AS AGREED AND NEVER LATE BECAUSE I WANT TO PURCHASE A HOME SOON AND I UNDERSTAND THAT THIS WILL HELP ME ALOT HAVING A PAID CAR LOAN REPORTING TO MY FILE. I'M ATTACHING A COPY OF THE LETTER XXXX JUST SENT ME SHOWING PROOF.
Consumer complaint received 2023-04-24
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. (OR)

Inquiries that I know nothing about, never done or used. Do not belong to me XXXX. DATE XXXX XXXX XXXX  DATE XXXX XXXX XXXX XXXX. DATE XXXX XXXX XXXX. DATE XXXX XXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX XXXX. DATE XXXX
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX. I have no other variations or spellings. 
My address is XXXX XXXX XXXX XXXX XXXX XXXX. I have no other address nor have I ever.
Consumer complaint received 2023-02-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MD)

I received a collections notification from Transworld Inc saying that I owed {$8700.00} from my previous landlord. I moved out and did not owe that egregious amount. They never verified the amount that the landlord said I owed and just posted it in my credit report.
Consumer complaint received 2022-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 


XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2021 Balance {$19000.00}
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

Beginning in XX/XX/XXXX, I have been requesting that Equifax update my legal name on my credit report. The name currently displayed on my report does not match any form of ID that I hold or any name reported by a creditor. I have submitted my court order of name change ; my driver 's license ; and my SSN card a total of XXXX  times for Equifax to review. As of today they still insist that they have not received a copy of any documents since XXXX of XXXX and can not use those documents for verification, as they are too old. 

On XX/XX/XXXX, I submitted my verification documents via email. On XX/XX/XXXX, I submitted them via physical mail. I submitted them again via physical mail on XX/XX/XXXX ; XX/XX/XXXX ; and on XX/XX/XXXX. I submitted via web portal upload on XX/XX/XXXX. And I submitted via fax on XX/XX/XXXX. 

At this point Equifax 's continued insistence that my documents have NOT been provided to them appears to be malicious, showing that my name change requests are being ignored and/or discarded willfully.
Consumer complaint received 2022-12-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I received a half opened envelope from Portfolio Recovery Associates in the mail. It was a summons for court to garnish my wages. This is for a {$1700.00} debt. It said I had 8 days to respond during XXXX week. Ive had XXXX communication with this company in reguards to any lawsuit. I have no current debts with them on my credit report. Nor is there any judgements against me in the court system. I called them they said to contact my payroll company. I asked when I had to answer this summons by they said they didnt know. They offered no explanations or answers.
Consumer complaint received 2022-12-23
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: Prince Parker & Associates (GA)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681 ( 5 ) these items are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated back as verified. However, how is this true when there are still several inaccuracies shown on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U. S.C 1681 ( 7 ) method of verification-Description of the re-investigation
Consumer complaint received 2023-11-03
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Atlanticus Services Corporation (FL)

I have an aspire Mastercard since XX/XX/XXXX. I was out of work for a few weeks I havent missed a payment up until now. I came back to work last week I reached out to customer service on XX/XX/XXXX via chat and explained that I am in a financial hardship and that I need some time to get back on my feet and if it was possible to get an extension or a grace period and I was told that aspire doesnt give out extensions or grace period and I would be charged a late fee. The agent told me she would notate it in the account. I explained that I would do my best to pay it. My account got overdrawn and I have no way of paying it. I received to emails that the account is past due and I need to make a payment of {$150.00} to reinstate the account. I still received an email about the same thing. I am on a fixed income and Im barely making it. I would like the emails and texts or calls or letters to cease and desist until I am able to get back on my feet financially. Since I was out of work for a while. I can not pay {$150.00}. I would like an arrangement or a payment until I get back on my feet.
Consumer complaint received 2022-10-18
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. (NV)

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 1681XXXX XXXX  Account # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom this XXXX concern, My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my behalf regarding the information on my credit files. Fraudulent applications were submitted under my name or identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report and on my credit file. I reported the theft to the Federal Trade Commission and have enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (TX)

Couple months ago I have the same issue with collection agency but now is a collection company named SEQUIUM ASSET SOLUTIONS for a charge amount of {$280.00} from XXXX XXXX XXXX XXXX. Once again I do not own any amount because the address in the original charge is a different one from my actual address. Somebody else is using my information.
Consumer complaint received 2022-12-23
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. (TX)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2023-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Office of Heather Cullen, A Professional Corporation (LA)

I was never aware of the collection. Never received any information. I contacted the original office they stated it was a mistake. I contacted the collection agency in XXXX and explained that they needed to verify the this. They never responded or removed the collection. I sent a debt validation letter certified mail in XXXX. They still have not responded. They are still reporting. After I asked them to stop until verified.
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

We purchased our home in XX/XX/XXXX & started to receive monetary penalties for late fees a few years later. The late fees were not announced to us until they were accumulated for a number of years. The mortgage statements reflected a penalty amount that was large, I did not know what this was. I contacted Wells Fargo & it took a while for them to respond. They said the problem was that I made late payments, let me be very clear : all morrtgage payments have always been made by me bringing the mortgage payment to the Wells Fargo XXXX XXXX miles from my house & within the grace period. In the information I received back from Wells Fargo the payments were accepted but posted on a later day rendering a late charge. This makes no logical sense. This went on for years. I did a lot of tracing thru my bank versus their records & it was always the same problem, posting was not the same as the payment date. I eventually saw that I was not going to win this & paid the late fees which amounted to {$3600.00} in XXXX. XXXX month later there appeared another {$90.00} late fee from a XXXX inspection fee for an inspection that never took place, I called & it was removed & waived.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (TX)

In XX/XX/2022, I sent a letter to Experian Credit Bureau asking them to correct errors that I discovered in my credit file. Month after month, I noticed that these items were still reporting. The credit bureau is allotted 30 days to review my request and make the necessary corrections, but they have more than exceeded that 30 days from the time of my first letter. I have sent several follow-up letters to them, however, they were not removing the errors, nor were they providing me with documented proof that they reviewed and properly investigated my requests. If items in my credit file are not factual and can not be verified, they must be removed. However, Experian is not following through and doing its part in maintaining correct and complete credit file information.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

I have had multiple instances with Wells Fargo to where I have gotten paid and the money is deposited into my account and at the same time I had bills pull and they would charge insufficient funds fee 's and would advise me that the bill payment pulled prior to when my check was direct deposited in my account, but on my account it shows when the money was deposited and when the bill was initiated to be deducted, and shows on multiple occasions that my bills pulled hours after my deposit went through. I called them multiple times and they stated that what I see on my account is not actually correct, the times are not correct at all, I even called the companies that charged me for my bills and confirmed the times were after the deposit was made and still received a insufficient funds fee.
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

XX/XX/XXXX CCS Collections, reported a collections of {$350.00} on behalf of XXXX XXXX XXXX XXXX. I have never been insured by XXXX XXXX so I called same day to XXXX XXXX and they looked me up and they could not find any policy or past due bills using my name, social, phone number or address. They gave me the number to their collection agency and same thing, i gave them name, number, social security and they could not find anything. They asked for a collections number and I could not provide one because I never received any letter in the mail. 

Called back multiple times in the past two week and no one could help me, not even supervisors. Neither company would help. I filled a dispute with the credit bureau XXXX and they concluded their investigation by saying the confirmed the debt was mine. 
I called and they gave me an account number ( XXXX ). 

Finally called back to CCS Collections. Gave them my information and they matched my name and date of birth to the collections. The address was a XXXX XXXX XXXX Wyoming. I am a California resident i have never lived in another state. They asked if i have ever owned a XXXX XXXXXXXX which i have not. I asked them to confirm if the last 4 of my social matches the one they have on file and they said the last 4 of my social does not match because they have no social on file ( i think it's pretty XXXX and a poor job on their end to just pin this on someone with the same name and birthday without doing their due diligences just because we have the same name doesn't mean we are the same person. So many XXXX with my name ) So i asked if they could stop reporting this on my credit which they said no. They gave me this website and told me to file a complaint here. I would have to show proof of address like a drivers license or utility bills. ( i don't have utility bill but i have a drivers license ) Still upset so they gave me a policy number ( XXXX ) and i called XXXX XXXX and once again said there was nothing they could do for me and gave me the number to their Legal Department XXXX which of course was no help. Its just a voice recording saying they will call you back in XXXX HRS which of course they have not returned any calls after calling multiple times and different days.
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-01
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. (AZ)

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 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.