davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (WA)

I first learned of the ARS collections accounts associated with me when I received my credit report from a home mortgage lender on XXXX XX/XX/XXXX. There were XXXX open accounts with a total balance of {$2300.00}. These accounts were first opened in XX/XX/XXXX. I first contacted the collections agency Account Resolution Services ( ARS ) on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, I learned from ARS that the address associated with the account, the name, and the date of birth of the person on the account did not match mine -- only the Social Security number matched mine. 

On the advice of ARS I contacted the medical billing firm from which ARS acquired the debt, XXXX, on XXXX XX/XX/XXXX. XXXX did not have any records of charges associated with my name, date of birth, or Social Security number. 

After this, I called ARS to dispute the debt associated with my Social Security number. They instructed me to formally dispute the debt and email them a copy of my driver 's license and SSN card to XXXX. I sent a dispute letter via email on XXXX XX/XX/XXXX. 

I called ARS back on XXXX XX/XX/XXXX to check the status of the dispute. I was told that there was no record of having received my dispute email which I sent on XXXX XX/XX/XXXX, and that there was no one " at their desk '' in the ARS clerical department who could confirm receipt of the email. The agent with whom I spoke relayed advice from their supervisor and told me to call back in a week. I asked to speak to a supervisor and was transferred to an automated answering machine, where I left a message explaining the situation. 

After all of this, I feel that ARS has no intention of reviewing my dispute claim, let alone in a timely manner. The affect of these erroneous, and before now unknown debts has significantly damaged my credit score which has halted my home buying process. The negligence of ARS in this matter has significantly altered my day-to-day life and my ability to reasonably plan for the future.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Hello, Equifax is allowing an inaccurate reporting on the  XXXX  account in my credit file. The balance on this account is {$3400.00}. This account was charged off. This account also was cancelled/forgiven by sending the IRS and myself a  XXXX  in  XXXX  with an identifiable event code G, the decision or policy to discontinue collection. Equifax allowing  XXXX  to verify this balance on my report is a form of "  Collection  ''. After cancelling/forgiving this debt the balance should be then updated to {$0.00}. This is a failure to timely update the credit report required under FCR A 623 ( a ) ( 2 ).  Included a have a formal copy of my    XXXX   XXXX   from   XXXX  with all supporting info that this debt was cancelled/ forgiven/ extinguished. Also included is a copy of my drivers license and social security card for identity verification. This was last disputed with Equifax on  XXXX / XXXX / XXXX  via case number  XXXX .
Consumer complaint received 2023-07-02
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. (SC)

I am writing about 2 issues with Transunion not having my writing instruction to report items on my consumer report & Tranunion reporting incorrect information on my consumer report. 

This section is very clear that Transunion must have my written instruction. And they dont have my instruction to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  on my credit 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Secondly, Transunion is reporting XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX on my consumer report as Charge off 's after they file 1099C. Charge off is defined as Gross Income by IRS. And they have already received income from IRS for the alleged debt. And income is not suppose to be reporting on my consumer reports.
Consumer complaint received 2023-07-02
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. (PA)

On the XXXX XX/XX/XXXX, I contact XXXX XXXX  to information of a change in my bank account information. During this call I also provided XXXX XXXX  my new account information for payment processing. 

On XX/XX/XXXX, I formally disputed the accuracy of the information that is being reported on my credit report. I kindly requested that they investigate these matters and correct the erroneous information as soon as possible with no response. 

The disputed information is as follows : -30 Day late payment XX/XX/XXXX XXXX30 Day late payment XX/XX/XXXX On XX/XX/XXXX, I wrote XXXX XXXX  informing them of the inaccuracies reported in my credit.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-28
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: SYNCHRONY FINANCIAL (AR)

An inqiry was made by SYNB/ SAMS 'S XXXX on my XXXX XXXX credit report XXXX XXXX, XXXX 2022. I never authorized this inquiry.
Consumer complaint received 2023-06-23
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC (TX)

I have a credit collection fromXX/XX/XXXX of the amount of {$310.00} it was reported from a collection company called sequium there phone number is XXXX they never answer the phone same as att Ive been on the line for more than hour to get details on this charge that has never came to my attention or been contacted about I cant get it resolved the last account I had with them has been paid in full and closed with all equipment returned
Consumer complaint received 2017-05-04
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. (NC)

On XX/XX/XXXX i visited XXXX XXXX in XXXX Nc. I expressed to salesman i did not want multiple pulling of my report. Well it was pulled a total of 11 times. Which drastically lowered my credit score! Reading FCRA it states automobile inqiries within a 14 day period shall count as 1. XXXX, XXXX  and eqifax are all reporting each individual inquiry, which in turn harmed my credit score. I have already filed complaint against the dealership for going against my wishes. The time between XX/XX/XXXX to XX/XX/XXXX my credit was continuosly requested. My complaint is the Credit Bureaus are reporting in error according to the FCRA.
Consumer complaint received 2017-05-04
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. (UT)

I have never been late on my  XXXX  accounts, they were always included in forbearance and deferments. They continue to show as extremely late on my credit reports.
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: Experian Information Solutions Inc. (FL)

to whom may help, I have attempted to fix this problem without a positive result. I tried to do the right thing and payoff my charged off debts. I was told they were going to be deleted but it did not happen. Please help, this is stopping me from getting proper housing for my family due to payment history. Please see attached. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 2023-03-04
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. (LA)

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, Account name : XXXX  Account number : XXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number:XXXX**, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : 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 2017-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (GA)

On XXXX XXXX, XXXX I had an erroneous collection account deleted from all of my credit reports. On XXXX XXXX, XXXX I see the same debt but it is being reported by the different company, so on the same I submitted a dispute through all XXXX credit bureaus and only on of them removed the debt because they could not verify the debt belonged to me. XXXX and XXXX are allowing Sources Receivable Management to erroneously report this debt as verified on my credit reports. All they did was acquire this debt from another company and are re-reporting false information. I sent a validation of debt letter and all I got in return was a letter telling me my name was on the account. This issue from this company is causing me a lot of XXXX.
Consumer complaint received 2023-07-02
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. (MI)

In accordance with the Fair Credit Reporting Act : The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 15 U.S.C. 1681 602 ( A ) Right to privacy 15 U.S.C. 1681 604 ( A ) ( 2 ) No written instructions 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) inaccurate information ( pg XXXX ) Acct XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) : receipt proof vehicle was never delinquent in court file. 

Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inaccurate info after quarterly attempts to contact XXXX XXXX XXXX XXXX XXXX listed on Transunion Credit Report as follows : XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : Phone number not available Inaccurate info on XXXX & Transunion unable to contact me Acct XXXX XXXX XXXX XXXX XXXX failure to accurately report credit transaction over billed in addition, failure to send all payments made to my account. only one payment sent after requesting to be corrected. 

Acct XXXX XXXX Dept of EducationXXXX XXXX XXXX 15 U.S.C. 1681 602 ( A ) states I have the right to privacy. 15 U.S.C. 1681 604 ( A ) Section ( 2 ) states a consumer report agency can not furnish an account without my written instructions.
15 U.S.C. 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing ant of the following items of information any other adverse item of information, 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (GA)

For two consecutive months, I have paid my entire balance off because I am in the process of building my credit and I want to show use of the card and it being paid off in full when its reported to the credit reporting agencies. Each time, the company has stated that my account was flagged and it automatically placed a hold on my payments to ensure they are paid or the funds are good. AND each time, my payments cleared. I offered to contact my bank with them to show the funds cleared and they declined each time. Then they are advising me that if I wanted the funds to clear within three days to make the payments via XXXX  Lets keep in mind, Im already at a risk of a very high interest due to my credit rating and yet this company is advising me to pay with a company that charges me to make a payment. This is downright abuse of their power and its hurting myself and many others who are facing challeges the many challenges of having bad credit. I got this credit card to help me build, but it appears its doing more harm to me than good. 

Last month, I made several payments to my account of {$80.00} and I didnt mean to do this, but when making a payment via your online account. Instead of their this system showing the payment as " pending '' whats happening is it shows nothing for a day or two. So, because I didnt see the orginal payment pending, I made another payment of {$80.00}. Well 2 days later, the payment finally showed in my account and the second one a day later. The first payment cleared, but the second one didnt and the reason for this is because I had assumed I made the one payment. So, how is it possible for me to be criticized or my account placed on limitation when their system lacks the abilty to show pending payments? Also, you will notice i have many a large amount of payments to this company without any issues and since then all my payments have cleared.
Consumer complaint received 2023-07-02
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. (PA)

On XX/XX/2023, I contact XXXX XXXX XXXX informing them that the 30 Day Late mortgage payment XX/XX/2023 reported on my credit is incorrect. The agent acknowledged that the reason for the late payment was because the missed a digit in my bank account number. I requested that they conduct a reasonable investigation into the accuracy of the disputed information and provide me a feedback which I'm yet to receive. 

On XX/XX/2023, I wrote XXXX XXXX XXXX  ( certified letter ) formally disputing the accuracy of 30 Day Late mortgage payment dated XX/XX/2023 reported on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically under Code 15 USC 1681i ( b ). Additionally, I would like to bring to your attention a violation of the Fair Credit Billing Act ( FCBA ) under Code 15 USC 1666 ( b ).
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with fair credit Reporting act XXXX Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC Section 602 states : I have the right to privacy.

15 USC 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 a credit card account
Consumer complaint received 2023-07-02
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. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX XXXX  with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my portfolio recovery associates account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX XXXX  account and a written response outlining the actions taken to resolve this issue.
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MT)

I am writing your agency because I would like assistance disputing charges on my  Citibank Mastercard. I  have been told that I am unable to dispute charges that are over 60 days old but upon research I have discovered that this is not true and I have the right to dispute these btype charges using claims and defenses. Last year I was contacted about and starting an online business and after paying a company by the name of  XXXX   XXXX   XXXX  {$140.00} I found that my phone rang constantly with products and services that I was led to believe were required and I have since discovered were nothing more than a fraudulent scheme. Most of the related charges were posted on my  XXXX   XXXX  and I have been allowed to dispute them. However, the following charges were on my  Citibank MC an d I would like them to also be disputed as such the charges are : A charge to a company by the name of  XXXX   XXXX   XXXX  in the amount of {$2400.00}.  XXXX   XXXX   XXXX   XXXX  in the amount of {$1600.00 } (  in total I paid them {$11000.00}  ).   There is  XXXX  more charge in the amount of {$4800.00} I paid to company by the name of   XXXX    Innovations who has charged me a total of {$8400.00}.     These companies I believe are committing fraud and conspiring to take advantage of people in an online business scheme. All of these charges are related and I have attempted to work out with the companies but have had no success with these in particular. I would like these transactions investigated as I believe that they deceptively sold me their service, in total and they have failed to provide what I was sold.