davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accscient, LLC (GA)

On XX/XX/2022, Consumer sent NATIONWIDE RECOVERY SERVICES an intent to sue letter for violations of the FDCPA and debt parking. NATIONWIDE RECOVERY SERVICES refused to accept my mail yet they willfully and intentionally continue to violate my privacy.
Consumer complaint received 2022-11-16
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)

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I'd like this late payment removed ASAP : XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I checked my credit report and saw unauthorized credit inquiries on my report. Those inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted Trans Union and they told me they would not remove these inquires at all unless I fill out this report. I NEED these inquiries removed from my credit report expeditiously.
Consumer complaint received 2022-11-16
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)

In accordance with the fair credit reporting act. XXXX  acct # 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 2022-11-28
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. (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. 

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 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. 

I am a victim of identity theft. I requested that this account was blocked ( XXXX XXXX # XXXX ) This information did not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. XXXX has failed to remove this from my report in the according to the following ; ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2022-11-16
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)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-02-16
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. (FL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$69.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-11-15
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on this accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$69000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00}
Consumer complaint received 2022-11-15
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Originating bank is XXXX. Receiving bank is Chase Bank. Transfer amount is {$25000.00} CAD. On XX/XX/2021, XXXX committed an error by typing the incorrect account number for the receiving bank. On XX/XX/2021 I advised XXXX of the error when I noticed they did not use the account number I supplied. XXXX replied saying this is not a problem because the receiving bank won't transfer the funds if the account number and name on the account don't match. Chase Bank committed an error when they deposited the funds into the wrong account anyway. Each institution is blaming the other and no one is giving me my money back. They are currently trying to recover the funds but I suspect this could take a very long time and I can no longer tolerate being out the money. I have e-mail documentation to back this all up. I've given both institutions ample time to remedy the situation but not success at all so far. I would like a complete investigation on Chase Bank and if they committed wrongdoing would like to pursue all remedies.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed my consumer reports and noticed that I had XXXX late payments on my account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside the complaint in on dates of ( XXXX/XXXX  ) & ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see attached screenshot attached.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I sent out a letter to Equifax Information Services LLC on XX/XX/2023 and it was received on XX/XX/2023. This letter was in regards to XXXX accounts on my credit report I believe to be inaccurate, as there are major discrepancies between credit bureaus. In this letter I included the last XXXX digits of my SSN, along with a letter from the XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX confirming by address. 

I received a letter back from Equifax, dated XX/XX/2023, saying that they could not match my identity based on the documents I provided. I thought thought that was fair and so I followed the directions of their letter and sent back a letter acknowledging their concerns and including the XXXX forms of identification they requested : a large photocopy of my Social Security Card and a large photocopy of my Driver 's License. I also included a copy of my original complaint letter, along with a copy of their response. This letter was received by them on XX/XX/2023. 

I received a letter back from Equifax, dated XX/XX/2023, that was the same exact letter that I had received on XX/XX/XXXX. It verbatim said the same thing and asked once again for those XXXX forms of identification. I was very upset at their stall tactics but I obliged and sent them another letter addressing that this was the second time responding to the letter and I once again included those XXXX forms of identification again : a large photocopy of my Social Security Card and a large photocopy of my Driver 's License this time printed in XXXX just in case. This letter was received by them on XX/XX/2023. 

Today I received a letter from Equifax, dated XX/XX/2023 stating that the security freeze I requested ( I never requested XXXX ) can not be processed because they once again need my XXXX forms of identification. 

This is absolutely ridiculous. Not only are they now sending me letters responding to requests I did not make but this is the the third time they ask me for the same type of identification. If I were to send it to them again, it would be my fourth time verifying my identity to them. It is also important to note that every time, I send them the most irrefutable forms of identification from the XXXX category of identifications they ask for : my Social Security Card and my Driver 's License. 

NOTE : All my letters were sent with USPS certified mail and using Letter Stream as my printer and mailer so I have proof of every letter I sent, along with copies of every letter I received from the. I can provide this if necessary, although they include my private information.
Consumer complaint received 2023-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (MD)

A debt was owed to XXXX 's XXXX in the amount of XXXX which has been paid to XXXX 's XXXX with a receipt attached. First Credit Services has a collection on me for {$35.00} and I do not know why.
Consumer complaint received 2022-11-15
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. (NJ)

I submitted a letter to the XXXX Credit Bureaus to remove this suspicious information. I think you have not validated these accounts 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. Please delete these accounts immediately : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (LA)

AWA collections has not attempted to contact me and the ONLY way I found out that something had been sent to them was by my credit report. I have contacted them to get paperwork verifying the charges since I never received anything from the hospital before being sent to collection. They told me to mail in request for documentation but the first rep (   XXXX  /2017 ) did not provide any information. My insurance company then called and the collection agency verified information with them and provided information to them but not to me. The  2nd  rep hung up on me repeatedly even after me asking for the information. The 2nd rep  XXXX   XXXX  ID  XXXX  (  XXXX / XXXX /   17  ) was also condescending when I asked what the charges and dates were for since I have still yet to receive anything from this company. I also questioned if they offered a discount if I paid in full today, I was immediately told no and that they do not have to work with me because I did not pay my bill, would have had I known about it! Every time I have talked with this company they do nothing but talk to you like your stupid for not paying your bill. Everyone at some point or another has had a bill go to collection. It sure does not help when they will not work with you to get this issue taken care of. This issue is still not resolved since you can not get any where when talking to them because they talk down to you every single time you call. I was told today (  XXXX / XXXX / 17  ) that a letter was sent to  XXXX   XXXX   XXXX   XXXX   XXXX  which does not exist and the hospital has the correct information I was there  4 w eeks! No date of when the letter was sent was provided to me. I pray that no one has to work with this company they are horrific and not helpful at all!
Consumer complaint received 2022-11-15
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. (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 1681. 

account name : # XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX  XXXX # XXXX XXXX  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 take 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 2017-05-09
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. (KY)

On  XXXX   XXXX ,    2017  I sent a letter disputing multiple accounts to equifax and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.
Consumer complaint received 2022-11-15
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. (AR)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.
Consumer complaint received 2023-06-09
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. (NV)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.