davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (PA)

These accounts are not mine. Restrict these accounts immediately. I have the right to privacy and have never done business with these companies. 

I deliberately and freely choose to write this letter. I've found that my credit reports contain inaccuracies, and the FCRA Act mandates that actual people, not computer programs, verify them. I'll confirm by talking to people I know because secondary credit reporting firms ' information is usually inaccurate. I demand that this content be removed immediately. 


XXXX. Offer proof of the debt, such as real accounting.

XXXX. A signed invoice serving as proof of their claim against you.

XXXX. A copy of the contract that binds both you and the other party ; send this letter by recorded delivery so that there is a third party to attest to its delivery. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation. Last but not least, kindly delete the above negative data from my credit report :. I'll go to court if necessary. 



All information must be correct and validated in accordance with 15 USC 1681. None of the aforementioned facts were checked by anyone. They are violating my legal rights. I have a right to privacy, and no one has my consent to share this information. There can be no accounts provided on my report without my express written consent. 



15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 



( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-12-05
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: Experian Information Solutions Inc. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report 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 XXXX XXXX XXXX XXXX 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 2023-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Data Systems (SC)

I had been disputing a bill with Imaging Specialists in XXXX. XXXX for service in XXXX of XXXX. I had them confused with XXXX XXXX in XXXX XXXX who I also received imaging from. 

Last time I spoke to Specialty Imaging in XXXX I was told I had no balance. In XXXX I realized I had the two companies messed up. I contacted Imaging Specialists on XX/XX/XXXX or XXXX. Explained the mistake and can they send me a bill. 

On XX/XX/XXXX, I received a notice from XXXX that a connection account has been added to my account from Financial Data Systems LLC. XXXX XX/XX/XXXX I received a notice from XXXX that a collection account has be put on my credit report from Financial Data Systems LLC.

The bill is for {$200.00}, its not a lot of money. I am more aggravated that I was put into collection while I was asking of a detailed bill of what I was charged and what was covered by my insurance. The reason is I had XXXX XXXX on XX/XX/XXXX and I hit my yearly deductible in XXXX.
Consumer complaint received 2022-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

Received a " XXXX '' call at XXXX this morning. No associated phone number. I didn't answer. Message left was that I owed a debt and should call Wakefield and Associates. Only debt I have is monthly credit card which is paid in full each month, usually within days of charge appearing on account. 

I called Wakefield. First person I spoke to - XXXX- said " oh, well then don't worry about it ''. I asked why I was called if there was no debt owed. " I don't know. '' Asked to speak to supervisor. Told I could call some number. Said I didn't want to call some other number - I wanted to be transferred to a supervisor. Transferred to XXXX. XXXX asked for my SSN. Told her I didn't want to provide SSN b/c the entire situation seemed like it might be a scam. Said I could provide my name and she said that would be sufficient. Gave her my name. She paused, purportedly to look something up on a computer, and said she didn't have anything under that name. I asked why I was called if there was no debt. She said she didn't know. Asked to speak to her supervisor. Call disconnected. 

Called back. Reached XXXX. Asked about purported debt. She said she couldn't help me. Asked to speak to her supervisor. Call disconnected. 


As an aside, your form for submission of a complailnt only contemplates circumstances in which there is or was a debt, as opposed to situations like this one where there is a fraudulent effort to collect a purported debt that does not exist ( and has never existed ).
Consumer complaint received 2023-05-25
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. (NY)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

I was trying to withdraw XXXX from my checking account at the XXXX XXXX minnesota branch i gave my well fargo debt card put in my pin number then i gave my minnesota driver 's license i filed out a withdraw slip then was asked if i have anything else with my name on it i said no then the teller started talking to the teller that was next to him that i could not hear what he was saying then he took my driver 's license, bank card and slip i filed ouu to the back then he came back XXXX to XXXX mins then i ask him for my driver 's license and debt card he said ok then i asked for a supervisor or manager he went to the back came back with a lady i stated to her i been here over XXXX minutes trying to get money out of my account i dont know what's the hold up she said the money is not cleared and my account yet i said yes it is i show on my phone from my wells Fargo account that the money was cleared on XXXX and i showed her my account balance that i had more then what i was requesting for long story short she refused to gave me the money on XXXX so on i left and called the wells Fargo customer service number and made a complaint and the lady over the phone stated to me the deposit was cleared on XXXX and she see the money and my account saying she don't know why she did not give me my money so i went to a different branch and XXXX  minnesota XXXX XXXX and withdrawal the money with no problem at all so i feel like i was discriminate against because i was a person XXXX XXXX
Consumer complaint received 2023-01-17
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: PENTAGON FEDERAL CREDIT UNION (IL)

I did not authorize Pentagon Fcu-XXXX to pull my credit on XXXX XXXX XXXX I did not authorize XXXX to Pull my credit. I clicked on an Add XX/XX/
Consumer complaint received 2020-03-07
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: Experian Information Solutions Inc. (AR)

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. 

XXXX XXXX {$0.00} Someone stole my identity. 
XXXX XXXX {$0.00} Someone stole my identity. 
XXXX XXXX XXXX {$2100.00} Someone stole my identity. 
DEPTEDXXXX XXXX {$3700.00} Someone stole my identity. 
XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX  XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX  XXXX {$0.00} Someone stole my identity.
Consumer complaint received 2020-03-07
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. (AR)

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. 

XXXX XXXX {$0.00} Someone stole my identity. 
XXXX XXXX {$0.00} Someone stole my identity. 
XXXX  XXXX XXXX {$2100.00} Someone stole my identity. 
DEPTEDXXXX XXXX {$3700.00} Someone stole my identity. 
XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX  XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX  XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX {$0.00} Someone stole my identity.
Consumer complaint received 2023-01-17
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 was notified by XXXX XXXX XXXX that someone opened a store credit account in my name without my knowledge on XX/XX/2023. I was told the credit card application was instantly approved for {$400.00}. That person then attempted to use the card at a store in Florida on XX/XX/2023 but the transaction did not go through. 

The inquiry for that credit card application is on my record and I would like to dispute that inquiry since it lowered my credit score. Please advise.
Consumer complaint received 2023-06-09
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-25
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. (NY)

XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX XXXX Alleged account # XXXX. I have disputed these alleged accounts numerous of times and it comes back verified, or updated. These are 3 different accounts on MY, a federally protected consumer account without my consent. There has been no evidence of indebtedness proven to me AT ALL!! These accounts are infringing on my right to privacy. The banking system is dependent upon fair and accurate reporting. An elaborate mechanism had been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity and general REPUTATION of consumers. There is a need to ensure consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY!! Consumer reporting agencies are REQUIRED to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information with regard to CONFIDENTIALITY, ACCURACY, RELEVANCY, AND PROPER UTILIZATION of such information accordance to Congressional findings. I will no longer sit back and allow my rights to privacy be violated in such manner. I am requesting immediate removal of all three accounts OR i will be exercising my rights as a consumer to the fullest extend.
Consumer complaint received 2023-01-17
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Kashia Services (OR)

This company has continued to call me repeatedly. They have called as early as XXXX am and will often call several times in a row, send text messages and emails. I usually get at least XXXX attempts of contact from them in a row. This morning XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-07
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 — Their investigation did not fix an error on your report
Company: Credence Resource Management, LLC (PA)

XXXX  outright lied on a letter submitted to FCC, states that I called to reinstate service on tablet after I cancelled service. I never called to reinstate, consequently continues to bill my account, then placed account for collection with Credence Reaource Management. This is not a valid collection account
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. 
Account Name : XXXX XXXX Late payment reported on ( ). Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. 
Please remove the late payments that were posted without my consent to opt out of having them report to a third party. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help with this matter,
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (IN)

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave Equifax, XXXX and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and XXXX looking to purchase however these are fraudulent inquiry that hurts my credit score - XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 EQUIFAX XXXX XXXX XXXX XXXX EQUIFAXXXXX XXXXXXXX XXXX
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am having issues with unrecognized addresses on my credit report I need removed. 
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. 
My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX   XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!
Consumer complaint received 2023-05-25
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 have tried to dispute these items directly with the agency and companies and they refuse to remove items below. I did a third dispute XX/XX/2022 and the amounts vary between XXXX different accounts : {$800.00}, {$6000.00} etc
Consumer complaint received 2023-03-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rosebud Economic Development Corporation (NC)

I have received multiple emails from the debt collection agency where they are telling my settlement account is {$1000.00}. Total Amount Due {$2000.00} with an invoice date of whatever date they are sending me the email. The original amount was {$600.00}, with a balance of {$590.00} My credit report is only showing {$1000.00}, not {$2000.00}. This debt collection company has sent multiple emails inflating the total amount due. They are also repeatedly showing the debt as a NEW debt every month.
Consumer complaint received 2023-01-17
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. (GA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything.
Consumer complaint received 2023-06-09
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. (MD)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person.
Consumer complaint received 2023-06-09
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX