davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (IA)

I had my century link internet disconnected inXX/XX/2022, I was told over phone with representative that if I paid {$120.00} that day they would turn services back on. I paid {$120.00} and no internet was restored. Previously I had reached out to century link twice regarding my acceptance, application ID number, and account info as directed by XXXX ( affordable connectivity program ) for several months because I was apart of the program to receive {$30.00} discount towards internet services & century link never acknowledged or submitted this credit to my account. My service had been terminated and after I was still receiving a monthly bill for services I wasnt even receiving. My internet was never turned back on after being told it would be if I paid {$120.00}. Also, many months racked up of charges that I was supposed to have a {$30.00} credit that was never added. I called XXXX XXXX to explain my side & why I dont think the final bill of {$350.00} was accurate or fair & the woman I spoke with agreed that charges accumulated AFTER I wasnt receiving services from century link & that the dates of my approval for XXXX $ 30 monthly credit, that the remaining balance due was incorrect and that she will remove the charges from the account and I did not owe the balance because it was incorrect. To my knowledge this debt was settled, and I was told I was not responsible for the balance. Now this debt has gone to collections & has hurt my credit. Last I spoke to century link many months ago, I was reassured incorrectly & I also explained to radius global who purchased this debt that it shouldnt even be a debt because I was told it by century it was incorrect & sided with me
Consumer complaint received 2023-07-18
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

My credit score not going up like supposed to be like they cheating me refusing to up my credit score due paid installment loans in good standard conditions that not right an still getting denied credit card an my credit in good standard wrong an unlawful how credit bureaus company doing people with they credit report fraudulent companies what the point having good credit an can't use because credit report agency failed to up your credit like XXXX haven't not updated my credit score in 3 months still XXXX XXXX XXXX XXXX refusing to up my score illegally fraudulent activity happened with these companies fail to Left my score an false information with credit card telling me to apply an turn me down make hard inquiry on my credit report fraudulent activity this evidence Force me to apply for credit card an get turn down false information turn me down make be as hard inquiry false advertising false information an reporting me deceased illegally lied about that wrong an illegal report someone deceased
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

HARD INQUIRY DETAILS XXXX XXXX XXXX capital 0ne, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX these were all reported as fraud and they never removed them and they are showing up as hard inquiries. can they please be removed i had nothing to do with them.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed information with transunion they information regarding a bankruptcy from XXXX  is not complete and not reporting accurately via XXXX XXXX. It is not properly vetted via the clerk of courts. I asked them to remove from my credit report over XXXX XXXX.
Consumer complaint received 2024-04-04
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: EQUIFAX, INC. (SC)

This letter is to Formally dispute the following account listed on my credit report. 

Account Type : Loan Creditor Name : XXXX  Account Number : XXXX I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt.

Request for verification and deletion : Therefore, I am requesting that you initiate a full investigation into the account and demand verification from the creditor or collection agency listed in my report. 

This verification should include : The original credit of the debt, if applicable The amount of the debt The date the debt was incurred. 
Proof that I am legally obligated to repay this debt. 

If the creditor or collection agency can not provide valid verification, and validation, within 30 days of my inquiry, I demand that you completely delete this account from my credit report. 

Credit reporting obligation : The Fair Credit Report FCRA 15 USC 1681 requires you to ensure the accuracy and fairness of the information on consumers credit reports. By not receiving proper debt validation, this account remains unverified and potentially inaccurate.

Thank you for your prompt attention to this matter. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter. 

The response should include : Details of the investigation, conducted regarding verification with the creditor or collection agency. A revised credit report, reflecting any changes made based on this dispute. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Hello, I have had my mortgage since XXXX. In that time it has been transferred a few times to other mortgage servicers with no issue. I was notified on XX/XX/XXXX. XXXX that my mortgage company XXXX XXXXXXXX XXXX  would be transferring my mortgage to XXXX and would be subserviced by XXXX XXXX XXXX XXXX beginning XX/XX/XXXX. The transfer happened and I began being serviced by XXXX XXXX XXXX XXXX. During the time of transfer I was on a Covid forbearance and I am still on a forbearance plan until XXXX of XXXX with my new servicer. I received a message XXXX days ago from XXXX XXXX advising that my credit score was decreasing and there was a new inquiry. I have noticed since the transfer that my credit score has continually decreased and I could not figure out why. I checked XXXX XXXX and it shows that I have XXXX mortgages. One with XXXX XXXX XXXX  and XXXX with XXXX XXXX XXXX XXXX with balances of almost XXXX XXXX dollars. This is completely incorrect. I have XXXX mortgage and because there are XXXX showing up it has destroyed my credit score. My Fico score was at close to XXXX and is now showing on XXXX as XXXX and Equifax is showing XXXX which is very disconcerting to me. I work very hard to pay all of bills on time and this is ruining what I have worked so hard for. I want this corrected and for my credit to show that I have XXXX mortgage.
Consumer complaint received 2018-10-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (SC)

On XX/XX/2018 I gave {$2000.00} in cash to a Western Union agent in a XXXX XXXX XXXX   XXXX  in XXXX XXXX South Carolina. The money was to be transferred to a friend in XXXX XXXX. I was told by Western Union that the money was transferred and available for pickup by the recipient. 

On XX/XX/XXXX the recipient informed me the money was not available. He had the WU tracking number but the agent in XXXX XXXX informed him the money was not transferred. I called Western Union and they said they had a few questions for me before they would sent the money despite telling me on the XXXX the money had transferred. I explained that the money was for a friend whom I know well and have sent money to previously. The Western Union agent then told me Western Union would not allow the transfer as it sounded like a " scam '' to them. The agent on the phone told me I could collect my money at the XXXX XXXX where I made the initial payment on XX/XX/XXXX. The Western Union at XXXX XXXX told me they could not return my money as store policy limits them to {$1000.00} refunds. I called WU again on the same day and they advised me to try another local agent. I went to a XXXX XXXX where they have WU agents and was told the same thing. " We don't do refunds over {$1000.00}. '' Still XX/XX/XXXX, Western Union advised me on the phone to try other agents in and around XXXX XXXX. I went to a XXXX XXXX  in XXXX XXXX which was supposed to be another Western Union agent. XXXX XXXX  told me their WU system was down and they did not know when it would be " up '' again. I called a fourth agent, in a check cashing establishment, and they said " they don't have that much cash on hand. '' XX/XX/XXXX I called Western Union again and spoke to a man who identified himself as XXXX, agent XXXX. XXXX assigned a case number to my issue and further explained that I would receive a refund in the mail by XX/XX/XXXX. XXXX told me to call him back if I had any further problems. 

On XX/XX/XXXX I called Western Union to check on the status of the check. Their agent could not help me and he ( XXXX ) suggested I try to retrieve my refund in person. He was not able to transfer me to XXXX. 

On XX/XX/XXXX I spoke to an agent named XXXX who said they had no way of tracking the check but he would send an email to the department responsible for refunds/checks, copy me, and ascertain the status of the check. I never heard from Western Union one way or the other. 

XX/XX/XXXX I called WU yet again to see if any could assist me as I have not yet received the check. I spoke to two agents. The second one told me the check was sent on XX/XX/2018. Although it's more than two weeks I haven't received my refund. The agent assured me he would send an email to the appropriate department and copy me. As of this date, XX/XX/2018, I have not received an email nor a refund from Western Union.
Consumer complaint received 2023-06-26
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. (FL)

On XX/XX/2023 I sent a certified letter to Equifax regarding fraudulent credit inquiries that are on my consumer report. To date, I have yet to receive a response from them, which I'm entitled to by law.
Consumer complaint received 2023-01-24
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. (NC)

I sent a letter to you to reinvestigate my negative accounts and even sent you my credit reports showing that you didn't update anything and according to the FCRA 15 U.S.C 1681 e ( b ) the dates, balance & etc had to be the same on all XXXX credit reports and it was in aaccurate ; so by law it was supposed to be deleted but you took it upon yourself to update it which was illegal. 

The accounts name and number are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX BANK # XXXX Also 15 U.S.C 1681 a ( 2 ) a ( 1 ) Exclusions Transactions between the consumer and person ( Corporation ) are excluded from the consumer report so this is what it states; so where does my late payments come from. 
This is Federal Law. It looks like yall are not following the Federal Law to me
Consumer complaint received 2023-08-11
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: WELLS FARGO & COMPANY (AZ)

Identify theft with wellsfargo, wellsfargo asked for documents of the police report, for a few months, they stated multiple times they did not receive them. Send them three times. I got a different representative on the the phone the same day and they did in fact receive all the documents. This account continues to go delinquent affecting my credit. Dealing with this account with fraud from XXXX, every time I call they transfer and hang up. Not sending me any documents to let me know to status of this account. Also did not know this account was rejected for identity theft because they are not sending any documents to inform me of anything. I have a police report, identity theft report and the officer is willing to speak with them regarding this and they still continue to hang up on me and not inform me of what is going on with this account.
Consumer complaint received 2017-09-20
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. (FL)

I have filed multiple complaints against TransUnion and XXXX regarding the following collection accounts, which I DO NOT DISPUTE. This is a bit ridiculous. I am not a credit repair company as they stated before, I am the consumer. I need these disputes REMOVED. This is preventing me from getting a mortgage. As stated previously, I do NOT dispute the below and have proof that I have a payment arrangements and/or paid these in full. 

I have even called the collection agencies directly and they report no dispute, and that a valid payment arrangement is in force. 

XXXX XXXX XXXX, represented by XXXX XXXX in Florida - original creditor XXXX XXXX XXXX. Not disputed, and have valid payment arrangements with XXXX XXXX XXXX. Accounts XXXX and XXXX. 

XXXX XXXX - original creditor XXXX. Not disputed, and have valid payment arrangement XXXX XXXX ( Multiple Accounts ) - all are paid in full
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Equifax is violating the law and my rights on a daily basis. Dealing with an Identity Theft account I have been disputing for months. By Equifax doing this to me, they are doing it to other consumers that rely on their credit, especially those that are Victim of Identity Theft. Equifax has totally violated, ignored, and denied my legal dispute letters for months. Especially a consumer that is a Victim of Identity Theft. Equifax has forward me XXXX letters dated XX/XX/2023 and XX/XX/2023 stating an illegal Section of the FCRA that does NOT exist Section 605B ( c ). There is NO such act. Equifax has NOT followed Section 605B of the FCRA. I have followed Section 605B of the FCRA in supplying all documents needed to be in accordance and in compliance with Section 605B of the FCRA of Identity Theft. Equifax has denied Section 605B of the FCRA. 

Here is a summary of the key provisions of Section 605B : 1. Blocking Information : If a consumer submits an identity theft report to a consumer reporting agency ( CRA ) stating that information on their credit report resulted from identity theft, the CRA must block that information from their credit report. This is aimed at preventing fraudulent or inaccurate information from harming the victim 's credit. 
2. Duration of Block : The CRA must block the information within four business days after receiving the identity theft report.

3. Notice to Furnishers : Once the CRA has blocked the information, it must promptly notify the furnisher of the blocked information, which is typically the creditor or entity that provided the disputed information to the CRA.

4. Duties of Furnishers : The furnisher is then prohibited from reporting the blocked information to any other CRA without notice that the information is disputed and may be fraudulent.

5. Extension of Block : The block on information can be extended upon the consumer 's request or based on certain criteria.

Section 605B is an important provision for victims of identity theft, as it allows them to take steps to prevent fraudulent accounts and information from damaging their credit reports. If you believe you are a victim of identity theft, it's important to follow the procedures outlined in the FCRA, including providing an identity theft report to the CRAs to block the fraudulent information.
Consumer complaint received 2017-03-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (TX)

I have asked the collection agency as well as the hospital that sold the debt to provide me with paperwork that shows why I went to the emergency room and a summary of charges so that my insurance provider can correctly pay the amount owed. The hospital stated that I did not have insurance when in fact I do have insurance because the same hospital was able to get the physician charge settled through my insurance. I have called both the hospital and the agency to get this taken care of and to do get the correct paper work so that it can be settled and have been given the run around. As a result this has been placed on my credit report as a negative marking and has impacted my credit score because of it being considered a collection account.
Consumer complaint received 2023-11-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I moved out of this property in XXXX of XXXX. Everything was good on our end and the lease was completed. I received a collection notice on my credit report for the amount of {$150.00}. I have no knowledge of any outstanding charges when we moved out and paid our final balance. We moved out XX/XX/2022 and this charge was from XX/XX/2022 on the proof of collection I received. A payment was made of {$150.00} in XX/XX/2022, but was returned XX/XX/2022. This was shown under the name of one of the roomates. I, have no knowledge of any of this going on. This should not be a collection on my credit report. I tried contacting the property to get some insight on what was going on, but it turns out they are not managed by the company that was in control when we lived there. That company was XXXX.
Consumer complaint received 2023-11-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than XXXX years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

Incorrect name. 
Correct name is : XXXX XXXX XXXX I would just like XXXX, Equifax and XXXX to correct it. 
I have submitted my drivers license and they wont correct it.