davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXXr XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-13
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (VA)

After receiving an offer letter, I reached out to the collection agency to resolve the matter. However, upon speaking with an agent, I explained that I had requested an itemized statement, which was never received, but was abruptly cut off and treated unprofessionally. Despite this, I persisted and called again to speak with a different agent. Unfortunately, the second agent provided conflicting information not in line with the offer letter, including discrepancies in the balance owed, the timeframe for settling the debt, and the agency 's policies regarding debt removal and offer renewal. Moreover, the agent made false statements, seemingly to pressure immediate payment, potentially benefiting them individually through incentives or commissions.
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. (SC)

The information on my report has caused undue financial harm to me and my family. 
Please verify and validate all data for this account every notation dates and balances whether reported or not and also I request you give me the name of the person in your company who verified the accuracy of these accounts this is Federal Law! The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 
Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking unspecified damages for the harm and delays. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-10-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

RE : Account # XXXX I represent a protected person as court appointed guardian. The company was supplied with a guardianship order. 

Under Indiana Code ( IC ) 29-3-8-5 ( b ) : Every contract, sale, or conveyance executed by a protected person is XXXX. Therefore, all transactions, even if claimed to be made by a protected person are XXXX. Thus, all conveyance and transactions must be retracted, redacted and sealed. That person is a protected person under IC XXXX. Protected person 's any and all information, not limited to documents, histories entries are also protected ; and must be removed from any and all files, including electronic collection files. The company must not provide and release any information about this protected person to anyone except guardians, her attorneys without a XXXX XXXX. Such acts violated XXXX  XXXX XXXX XXXX. Probate XXXX. 

Medical Revenue Service was repeatedly contacted ; and they failed to provide any information and authorities that would supersedes XXXX  XXXX XXXX, and the Guardianship order.
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$82.00} UNKNOWN XXXX {$30.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
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. (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-01-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (NH)

I've recently been getting calls without voicemail messages as well as a collection letter from Transworld Systems Inc ( TSI ) for a debt I supposedly owe to my former employer XXXX XXXX ( XXXX  ) from XXXX. 

When I first started receiving calls and collection letters in XXXX, at that time I opened a dispute with TSI with my former employer XXXX stating that I do not owe any money whatsoever to my former employer. 

I just learned from a TSI representative that my former employer XXXX " never responded to the dispute from XXXX '', but since my former employer XXXX sent TSI an updated bill, TSI has chosen to resume calling and sending a collection letter. 

It seems to me that if my former employer XXXX chooses not respond to a dispute from XXXX, then TSI should not resume calling and sending a collection letter until the original dispute has been resolved. 

I told a TSI team lead that I regard this sort of practice as " harassment '' and I was told by the team lead that this is TSI 's policy.
Consumer complaint received 2023-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I had a lease with XXXX XXXX and due to life changing events was looking to break a lease. Unfortunately could not find an acceptable solution with the lender. By some events solution has been found with 3rd party ( a company ), that took a car from my possession and promised to make payments ( by a written agreement/contract ). Unfortunately the company I mentioned before was the fraud company, that has been sued by the government and Im the victim on a case. I tried negotiate credit reporting with a lender but it had no success. An account has been settled/satisfied. I believe its unfair to be responsible on 100 % for what happened due fraudulent component. I would like to remove the XXXX XXXX account from my credit reporting file with all 3 bureaus.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX has violated my rights. Or list of inquiries XXXX5 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 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: College Loan Corporation (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Removal of Outdated Information from Credit Report and Compensation for Violations Dear XXXXCollege Loan Corporation and XXXX XXXX XXXX XXXX , I am writing to request the immediate removal of outdated information regarding my account from my XXXX credit report dated XX/XX/XXXX . According to the Fair Credit Reporting Act ( FCRA ), negative information such as late payments or collections should not be reported for more than 7 years from the date of first delinquency. 

The account in question is : XXXXCollege Loan Corporation Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Paid and Closed Since the last activity on this account was in XX/XX/XXXX, it has been well over 7 years and this information should no longer appear on my credit report. I kindly request that both XXXXCollege Loan Corporation and XXXX investigate this matter and take the necessary steps to ensure this outdated information is removed from my credit report promptly.

In addition to the removal of this outdated information, I am seeking compensation for the violations of my rights under both state and federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and any applicable state consumer protection statutes. The continuous reporting of this outdated information has caused significant harm to my creditworthiness and financial well-being over an extended period.

Based on these violations and the harm caused, I am demanding compensation in the amount of {$10000.00}. This amount is intended to cover damages related to the negative impact on my credit report, financial distress, and any other related inconveniences.

Please confirm in writing that this correction has been made and provide details on the compensation for the violations incurred. If this matter is not resolved to my satisfaction, I will consider pursuing further legal action.

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I was on XXXX and I saw a friend was selling lots of stuff. I was interested in a few things. His name was XXXX XXXX and I grew up with. All seemed legit. Said if I paid him something as a deposit he would remove the picture in the post. I sent him XXXX via Zelle. This was Sunday XX/XX/XXXX. I didnt discover until the following day that it was a scam. I contacted Zelle and my banking institution and I can not get the money back. I am a young widow with a young daughter and I am making XXXX XXXX
Consumer complaint received 2022-09-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I am reaching out to the CFPB regarding the illegal practices Experian, XXXX XXXX XXXX are engaging in concerning my consumer credit reports. I, XXXX XXXX have had my consumer and privacy rights breached and violated in which I reached out to the credit bureaus respectively and asked them to conduct a reinvestigation into these matter of fraudulent inquiries and collections in which my information was tampered with without my knowledge and consent. I reached out to the credit bureaus in which Experian failed to conduct an investigated and continued to report illegal information in which I will include the attached documentation. XX/XX/2022 Experian received my dispute information and on the XX/XX/XXXX literally the following business day an investigation was completed in which none of the fraudulent inquiries were removed or the collections? This company illicitly ignored my concerns and demand while continuing to furnish inaccurate information that has caused me emotional and financial distress while causing me to lose my job of 15 years. They must be held accountable. The same situation happened with XXXX XXXX XXXX in which they did not conduct a 30 day investigation. XXXX has failed to open a dispute and XXXX opened 3 different disputes all completed within 5-10 days in which I was not notified of the investigation procedures or given the results and why this information is verified in which once again these bureaus simply brushed off my concerns regarding the validity of the information on my credit report. These 3 Credit Bureaus XXXX, Experian, & XXXX must be held accountable for their violations against my privacy and consumer rights under 15 USC 1682 ( b ).
Consumer complaint received 2023-01-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
Consumer complaint received 2018-03-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

I just recently found out this account was on my credit report, this company is stating they bought the account back in XXXX of 2015. I never received a letter from this company to validate debt. Its against the law for this company to report anything first without verifying accurate information. I will be contacting an attorney to discuss legal matter because I was sent over any information regarding this account. I even ask this company to verify the debt and they fail to do so. This will not be the first or last time hearing from me and I promise you that. I am going to file a complaint and let it be public know because this very unfair and not right. I would like for this company to provide me with validation of debt. This is a junk buying company that say they purchased this account from someone else. I wish the government would shut companies down like this..I do not owe this company any money.
Consumer complaint received 2022-09-11
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. (TX)

accordance with the fair credit reporting act XXXX Account xxxxxxxx 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 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I incurred a charge of {$17000.00} that was due XX/XX/2023. Previously, I checked my statement on line. ( B of A doesn't send statements in the mail if you have paid online ) .My online statement prior to the due date showed the {$17000.00} balance with a minimum payment of {$170.00} option. On XX/XX/XXXX, I went online and scheduled a {$17000.00} payment from my checking account to be withdrawn on XX/XX/XXXX. My bank notified me via e-mail that the payment went through. Bank of America then withdrew from my checking account an additional {$17000.00} putting my account in the red. This has happened previously. I called Bank of America. They do not acknowledge any error on their part. They say they will investigate and refund the XXXX in 10 days. On their website they do not make clear how you can opt to pay a partial payment or complete payment or that they will take the entire balance. I asked how I should go about paying since I have no problems with other credit companies like XXXX where I pay my monthly statement online, specifying the amount and the date of payment to be withdrawn from my bank account without problem. They have no suggestions other than pay over the phone or by check, but then, as I mentioned, they don't send statements through the mail. I told the employee that this was a great financial inconvenience and could the refund be expedited, but that was impossible. I believe this is a very abusive non-customer practice. They should give alternatives or tips on how to avoid this situation.
Consumer complaint received 2018-06-04
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)

TransUnion File Number XXXX Date : XX/XX/2018 TransUnion has on page 12 of 13 Supplemental Consumer Credit Information Auto finance Inquires in the last 3 Months:2 6 Months:2 9 Months:2 I have not applied for no auto loan on none of this information stated by TransUnion under Supplemental Consumer Credit Information in any way. I would documented proof from TransUnion to where it was done as stated by TransUnion on my credit file. There has been no auto loans by me requesting any Auto loans. 
I opt out of Inquiries or companies Inquiring about giving credit or selling. 
Im tired of Inquiries showing up if I have not applied for them by TransUnion on my credit file.
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. 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 has violated my rights. Has violated my ri

ghts. 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.