davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Credit reporting 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. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 
Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-11-14
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. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
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. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2021-01-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc. (VA)

In early XXXX I spoke with a woman at paragon revenue group after receiving multiple calls while I was at work. I told her that I was at work and it was not a good time and requested that she call me back after I leave work. She got an attitude immediately, telling me that she wouldn't be calling me back and I have to call her back unless I want to go to court. This woman is the same one I've spoken with several times and every time she has been rude and uncooperative with me in regards to making payment arrangements, even threatening to send me to court because I had no money at that time and was unable to start the payments. After me telling her that I was at work and unable to continue the conversation, I still received calls during my work hours. I made it clear that I am only able to answer my phone during work hours for emergencies. Today I called to make payment arrangements as I am finally able to. A gentleman answered the phone and at first was very helpful until he realized that I wouldn't be paying the full amount. He was very condescending to me during the creation of the payment plan, huffing heavily when I told him that an amount he suggested wasn't financially feasible. After we finally came to an agreement on an amount, I asked for an email or a letter just stating that we had made the payment arrangement. The gentleman became very condescending, even going as far as to laugh at me and tell me that " thats not something they do '' When I asked if he could at least just type me an informal email saying that a payment arrangement was made today with a payment made today and he laughed again and said " Do you know how many hospitals we deal with? How many patients every day? '' At which point I was so disgusted by his flippant behavior, I simply wished him a good day and hung up. We are in the middle of a global pandemic with unprecedented mass unemployment rates ; to use such tactics and attitudes when dealing with a consumer is absolutely abhorrent. If they spoke to me like this, I can only imagine how they've treated those who have lost their job and have debts. A quick XXXX search of the company revealed 86 reviews with a one star average. Reading some of the reviews, their business practices are absolutely ridiculous.
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP (UT)

I pulled my credit report and found tha t Kimball Tirey St John is re porting on my credit report for over {$6000.00}. On all  XXXX  bureaus it is reporting different amounts between $  XXXX  {$6800.00}. I sent a debt validation letter o n  XX/XX/XXXX  and  XX/XX/XXXX  with no  proof of the validation.  Kimball Tirey St John sent  an electronic response to all  XXXX  bureaus and never sent me proof of the debt. I requested name and address of original credit, copy of original contract, complete accounting information with fees, payments, interests, and charges, as well as the date of the debt. This debt is not mine, it is ruing my credit worthiness, and is reporting inaccurately.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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.

has violated my rights. Or a list of inquiries : 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 2021-01-07
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. (MI)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

Please remove the collection accounts, it is not mine.
Consumer complaint received 2023-06-22
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. (OH)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$8200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-01-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Portfolio recovery. I have disputed numerous times they are unhelpful and dont care about people My information was breached a few times online and they continue to refuse to remove it the process has been very frustrating I lost everything to COVID and Now they are taking my only chance I have left! They took 50 points in one far from me last year! They have no commission or understanding
Consumer complaint received 2023-06-22
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-12-20
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (RI)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2022-11-14
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. (GA)

As reported on XX/XX/2022, Transunion reported a data breach resulting in my social security number, financial account numbers, drivers license number and name being compromised. As a result of this breach, I demand the account that I previously reported as fraudulent be removed, deleted and blocked from my consumer report immediately including : XXXX XXXX, XXXX, XXXX XXXX, XXXX, Department of XXXX  and Department XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (FL)

I have  NCC Business Services r eporting to the credit bureaus That I owe a debt from a rental property company (  XXXX   XXXX  ) I have never heard of or lived at. I tried disputing the account with all  XXXX  credit bureaus several different time and I get nothing. I believe my credit report has been merged with someone with a similar name as mine. And I demand them to stop reporting false information to the credit bureaus and remove this account immediately. It is not mine. The next step is to contact a lawyer cause this is ridiculous I have to go through this.
Consumer complaint received 2024-03-29
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. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, and so on.
Consumer complaint received 2023-06-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed my consumer report and noticed an unauthorized collection account reported on my consumer profile. I have sent notices to the company requesting them to remove the reported account, while also informing them they do not have consent/ permissible purpose. They have totally disregarded my request and continue to violate my consumer rights.
Consumer complaint received 2024-03-29
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX, Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX, and so on.
Consumer complaint received 2021-01-07
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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.
Consumer complaint received 2023-03-03
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1700.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-01-07
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XX/XX/XXXX Account Number XXXX XX/XX/XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX CT XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXXXX/XX/XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XX/XX/XXXXXXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XX/XX/XXXXXXXX XXXX G XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX DE XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XX/XX/XXXX XX/XX/XXXXXXXX XXXX FACTUAL DATAXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-18
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (LA)

This company keeps harassing me about a debt they claim I owe. I have provided them with an affidavit. There was a fraud alert on my credit report and somehow they keep saying that I need to prove to them that the debt is n't mine. I HAVE A FRAUD ALERT WHICH SHOULD HAVE FLAGGED THE ORIGINAL COMPANY SINCE IT WAS ON THERE WHEN WE MOVED BACK TO AMERICA, WHILE ON  XXXX   XXXX . Also I would n't have applied for a loan because service members and their families have special rules!
Consumer complaint received 2023-06-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2021-01-07
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX CXX/XX/XXXX Account Number XXXX XX/XX/XXXXAccount Number XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX CT XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXXXX/XX/XXXXXXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XX/XX/XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX DE XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (FL)

WELLS FARGO TRYS TO SOLICIT ME A CREDIT CARD USING MY NAME WITH THE SOLICITATION AND WAS TOLD SEVERAL TIMES TO OPT ME OUT AND CAN NEVER DO IT BECAUSE THE SOLICITATION IS ANOTHER NAME OTHER THEN MY SELF WHICH I BELIEVE ITS MY SONS NAME ON THE CARD. THEY WERE TOLD NUMBERUOUS TIMES TO TAKE MY NAME OFF THIER SOLICITAION OR OPT OUT WHEN SENDING THE SOLICITATION TO MY ADDRESS WHICH I HAVE NO RELATION SHIP WITH WELLS FARGO BANK! WHEN ASK TO STOP USING MY NAME OVER 6 TIMES IN A 4 MONTH PERIOD NEVER SEEMS TO STOP THIER PRACTICE AND CONTINUE TO USED MY NAME ON THE APPLICATION SOLICITATION WITH OUT MY AUTHORIZATION FOR THE 10 TIMES IN 6 MONTHS I ASK THEM TO STOP THE PRACTICE. ID THIEF IS ONE OF THE FASTEST MOVING CRIMES IN AMERICA AND I DO NOT WANT TO GET ON THAT LIST!