davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
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. (FL)

I have reached out to XXXX, Transunion, and XXXX XXXX numerous time. The dispute from XX/XX/XXXX is still open. I am only allowed to add supporting documents to the open dispute. XXXX has updated my late payment for XXXX XXXX account. However, XXXX, transunion, and XXXX XXXX has not made any changes. I have sent in the forgiveness letter including supporting documentations. I have inform XXXX, Transunion, and XXXX XXXX. 

According to 15 USC 1681s-2 ( f ), during the covered period, which encompasses the time frame directly affected by the Covid-19 pandemic, furnishers of information are required to make accommodations regarding the reporting of late payments. These accommodations are intended to provide leniency and flexibility to individuals facing financial difficulties resulting from the pandemic. 

Covid 19 was declared on XX/XX/XXXX. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. Therefore, this clause is still applicable until XX/XX/XXXX. 

In section ( bb ) under covered period, 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

After calling and calling and sending in letters to accommodate my situation under the Covid 19 covered period. XXXX, Transunion, and XXXX XXXX have yet to remove the Late payment for XX/XX/XXXX. These are not following the law. 

I kindly request that you investigate this matter and ensure that the reporting of late payment ( s ) during the covered period on my account is accurate and in compliance with the accommodations outlined in 15 USC 1681s-2 ( f ). I request that you contact the creditor, XXXX XXXX, and initiate an investigation into the reported late payment ( s ) during the covered period. XXXX XXXX have verbally stated they will not forgive my late payment under the covered period. This is against the law.
Consumer complaint received 2023-04-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group (TX)

Buyer beware. I should have read all the horrible reviews about this law firm. BEWARE. I had been paying for a few months now, I believe approximately 6 payments of {$500.00}. So a total of approximately {$3000.00}. Unfortunately I was unable to continue making the payments of the payment plan. Therefore I decided to file for bankruptcy instead. Well I called to cancel the program and expect at least some money back, since nothing was done on the account, other than collect the money from the payment plan. They advised I would only be getting a whopping XXXX XXXX in return. How is this possible that every payment I made went to fee 's and fee 's for doing nothing other than collecting the payment. This law firm makes you believe that this law firm and its program is helpful, when they aren't doing anything but collecting every payment. I understand there are fee 's, but it is outrageous that fee 's were charged for doing nothing. I expected at least half back. Either way, BEWARE of this program, I guarantee it is not right for you, look elsewhere.
Consumer complaint received 2023-04-13
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. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (KY)

The company provided the itemized bill and said the debt was validated, but they did not have records of the payments and did not accept our bank records showing the payments were made. 

In XXXX of 2021 I had blood work done, in XXXX of 2021 I received a bill from XXXX XXXX XXXX. I entered a payment arrangement with them and made {$25.00} payments in XXXX, XXXX, XXXX, XXXX, XXXX, and then in XXXX they took a little over {$13.00} in the automatic payment and then discontinued the payment plan. To me that means it was paid off. I didnt cancel the payments and I fulfilled my end of the agreement to pay {$25.00} a month until the balance was paid off. 

A few months ago we got a notice in the mail that the account had gone to collections and stating no payments had been made on the account. I disputed it, requested verification of all payments, sent bank statements showing two of the payments, and notified them of the violation to the FCRA in that XXXX XXXX XXXX sent the balance to collections without first notifying us there was an issue with their billing. 

From a consumer protections standpoint this appears to be fraud, as we made regular payments and they are claiming no payments were made. 

They sent an itemized bill on XX/XX/XXXX and said the debt was valid and they would continue collection attempts. I called them and asked about the payments we made, they said they didnt have any record. I asked them to pull up my dispute, they verified they had records of two payments but refused to continue the dispute, stop collection attempts, or request additional information from the original creditor unless we sent a record of all payments that were made. 

This is a third party with protected health information that was illegally sent by XXXX XXXX XXXX without a release of health information signed by me in violation of HIPAA, they have evidence that the debt is incorrect, even if just the balance is incorrect due to billing errors by XXXX XXXX XXXX in administering the payment arrangement and recording payments, and they are refusing to cease collection attempts or investigate the payments made. If there was a billing error on the part of XXXX XXXX XXXX, they should have contacted me to correct the error prior to going to collections. This cavalier treatment of my credit report is in violation of my rights under the FCRA. 

The fact that my payments were not recorded is evidence of gross negligence on the part of XXXX XXXX XXXX in the treatment of my financial information. Where did my money go? Did they apply it to another account? Did they likewise lose any of my protected health information that they so readily shared with a third party who couldnt even provide a phone number for XXXX XXXX XXXX? 

Please investigate these companies and help us with this illegal collection practice.
Consumer complaint received 2023-08-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-10-20
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MI)

Account payment history and date of first delinquency are incorrect. This account is too old and obsolete and should not be reported to my consumer reports. They are reporting inaccurate information to my consumer reports and are causing me damage.
Consumer complaint received 2024-11-01
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. (MO)

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Notice of Civil Liability and Revocation of Authorization and Inquires Dear, XXXX, XXXX and Equifax I have tried to resolve this issue multiple times in reference to Inquiries being furnished on my consumer report but see my Federal Consumer Rights are being continued to be infringed upon. 

I am writing to formally address a matter regarding civil liability under 813 of the Fair Debt Collection Practices Act ( FDCPA ) and to notify you of my decision to revoke any authorizations previously given, under the Fair Credit Reporting Act ( FCRA ) and applicable federal protections.

Under 813 ( a ) of the FDCPA, any debt collector who fails to comply with any provision of the FDCPA is liable to the affected person for : Any actual damages sustained as a result of non-compliance ; and Additional damages as the court may allow, up to a maximum of {$1000.00} for individual actions.

In addition, per 15 USC 6802 of the FCRA, as a federally protected consumer, I am hereby opting out of any and all authorization I may have granted, whether in written, verbal, unwritten, or non-verbal form. 

Please consider this letter as formal notification of my decision to revoke all authorizations regarding my personal information. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-08-21
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. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Here are the following items items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$22000.00} ; XXXX XXXX XXXX Balance Owed : {$8900.00} ; XXXX XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$160.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OK)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a XXXX  in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, Public Record - XXXX XXXX XXXX XXXX XXXXXXXX,
Consumer complaint received 2023-08-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC (NJ)

Good day, I am a former XXXX by XXXX XXXX under the XXXX  XXXX As a result of XXXX selling all their XXXX stores earlier in the year, many XXXXXXXX were terminatedXXXX Due to these circumstances, the company gave me a severance package. This allowed me to be comfortable for the foreseeable future. They also approved my unemployment which I decided to put all my funds into my XXXX  money account and saved it since I didn't need to use those funds and I was trying to keep that for a rainy day. Earlier in the year I lost my phone ( somebody took it ) I reported it to my insurance company. Unfortunately I had all my cards on XXXX XXXX with all my sensitive information under then notes app. A couple of days ago I noticed this and reported it to the bank but they have yet to return my funds. Its not right that theres no fraud department that can see these transactions happening and flag them before leaving somebody without any savings. They are one of the worst companies when it comes to these situations according to myself and the general review of the company. These are federal funds from my unemployment and theyre not making themselves responsible for this. Somebody please help?
Consumer complaint received 2023-08-20
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. (IL)

There is an error being reported on my credit file from the creditor XXXX The account is being reported 30 days late in both XXXX and XXXX. My payments are {$32.00} per month. I pay more to cover the next month sometimes, which was the case in XXXX. However, the late is being reported when I never was more than 30 days late for neither XXXX, XXXX or XXXX ( see receipt copies ). Please assist with correcting as this is having a very negative impact on my credit report.
Consumer complaint received 2024-04-02
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : # XXXX XXXX : XXXX Transunion TransUnion Legal Department XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute Request for XXXX Account # XXXX Dear TransunionTeam, I hope this letter finds you well. I am writing in response to a communication from your office suggesting that my dispute claims have been deemed frivolous concerning inaccuracies found on my credit report. I respectfully disagree and am providing detailed information below regarding the disputed item. I am requesting a thorough reinvestigation of the following matter, with a keen request for its removal in compliance with legal requirements. It's imperative for me to ensure that all information on my credit report is accurate, as I am currently in the process of securing a home loan. 

I kindly ask that you do not limit your inquiry to electronic communications with the furnisher of this information. Instead, please ensure this letter, along with any pertinent attachments, is forwarded to both the furnisher and me. This step is crucial for maintaining transparency and ensuring that all parties are adequately informed of the ongoing proceedings. 

Should the furnisher insist that the information has been accurately reported, I request comprehensive documentation to support their claim. This includes a detailed account of the verification process used to ascertain the accuracy of the reported information, along with the contact details of the furnisher involved. 

I trust that Transunion adheres to stringent procedures ensuring that any public record information, especially those with potential negative impacts, is reported with the utmost accuracy and completeness. As stipulated by law, I look forward to the conclusion of this investigation within the 30-day period. Should this matter remain unresolved, I am prepared to engage legal assistance to advocate for my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including exploring all potential remedies and damages available under the Act. 

It is pertinent to remember that as a Credit Reporting Agency, Transunion is bound by federal consumer financial laws, encompassing the FCRA and Title X of the XXXX Act, alongside regulations prohibiting " Abusive '' Acts or Practices ( Section 1031 of the XXXX ). 

I appreciate your prompt attention to this matter and look forward to a resolution that reflects the accuracy and fairness dictated by law. 

Warm regards, XXXX XXXX