davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I recently disputed a medical account with Eastern Account System in to validate an account on XXXX In which they received by mail on XX/XX/2020 at XXXX XXXX and still to this day I have not received a single letter for them. I think this is very unprofessional from a company to not respond to a request and this is over 4 months old and I've been patient enough and now I want answers I want them to validate this debts I have with their company. I asked them to provide my HIPPA release because I understand that the HIPPA does allow for limited information about me but any details may only be revealed with the patient authorization but I do not remember signing for them to release my medical information to any collection agencies including this one. 
I want them to provide a copy of my signature with the provider of service to release my information to Eastern Account System. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel really disappointed having to wait over 4 months and never to be responded to.
Consumer complaint received 2022-10-30
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. (OK)

On XX/XX/2022 I wrote Transunion certified mail, stating Transunion is violating my consumer rights. 
Pursuant 15 USC 1681 ( b ) ( 2 ), I never gave Transunion the written consent to furnish a consumer report!

I've attached the letter ( exhibit A ), and my and demand these accounts be deleted!!
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally register a complaint regarding the fraudulent items on my account. I have made several attempts to resolve this matter through your customer service department without success. 

Since then, I have contacted your customer service department and have spoken with various representatives. However, despite my efforts, the fraudulent charges have not been removed from my account. 

I have attached copies of the following documents to support my complaint : Copies of my statements highlighting the fraudulent charges. 
Any correspondence I had with your customer service department, including reference numbers. 
Any other relevant documentation, such as police reports or dispute forms, if applicable. 
I understand that resolving cases of fraud can be a complex process, but I request that you take immediate action to investigate and rectify these unauthorized charges. I insist on a prompt and thorough investigation into this matter, and I expect the fraudulent items to be removed from my account as soon as possible. 

Additionally, I kindly request that you provide me with a written confirmation of the resolution and the actions taken to address this issue. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify this situation. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D2 Management LLC (OH)

On XXXX at XXXX I received a call from a women who stated she worked for D2 Management and asked could she speak to XXXX XXXX . I responded by asking the lady who is she and what does her company do? She responded and said the company is a 3rd party who collects debt on behalf of their client and I stopped her and told her I am not sure who she is and to stop calling and she proceeded to ask if the last 4 of my social was XXXX  and I disconnected the call. Later that day I received an email from the same company saying they were trying to collect a debt.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Account was XXXX in Bankruptcy XX/XX/. Creditor is refusing to update my account information with XXXX after several credit report disputes with XXXX. Account shows a balance & late payments after bankruptcy. Creditor is violating the Bankruptcy Code 15 USC 1681C-2 by knowingly reporting inaccurate negative information. Please update the information as of XX/XX/ as stated by law or delete it from my credit report
Consumer complaint received 2024-01-27
Product: Credit reporting 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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

They are trying to collect a debt from an old apartment. They are saying that the account was opened in XXXX, but I ended my lease in XXXX. The balance is supposedly XXXX but that is not possible. My monthly rent was only XXXX and the complex files for eviction after 30 days late. Lawyer fees for that complex is XXXX so there is no way possible that I owed that amount. Additionally the lease should have been terminated with no money owed because I ended the lease due to military orders. I have sent numerous letters to this agency asking for verification of the account to see how they are reporting this inaccurate information and they will not respond to me.
Consumer complaint received 2017-07-25
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. (MO)

Equifax has been contacted for the past several months by myself as well as XXXX XXXX to remove XXXX hard inquiries from my Credit report. Attached are letters from XXXX stating this. I have contacted Equifax and disputed these same inquiries 3 times myself all to their denying them. The other two agencies have removed them but for some reason Equifax is deciding to be difficult.
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I received an offer from Capital One for a balance transfer with 0 % until XX/XX/XXXX. 
I filled out all information and linked my bank account for automatic payments and then tried to do the balance transfer and the prompt told me that there are no offers available at this time. 
I have been all day trying to cancel this card and unlink my account and there is no way to do this. Capital One is scamming people and I need help. 
All of this happened today XX/XX/XXXX XXXX
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

I was getting pre-approval for a home loan and the credit report came back with a debt collection item of {$520.00} from TSI debt collection services. After calling TSI, I was informed that the collection was required by an apartment complex that I had previously lived at ( XXXX XXXX apartments, XXXX FL ) It had been over threes years since I lived at that location but the apartment complex nor the debt collection agency ever contacted me regarding the debt. The only reason I found out is the credit report which has now become detrimental to the interest rates on two home loans. After reaching out to XXXX and the apartment complex multiple times, I still have not received any documentation on what the expenses are for, nor an itemized listed depicting how the total was derived. I dont believe there are any legitimate claims as I finished my lease as required ; I believe this is a fallacious claim by the apartment management company and a very poor job of research/communication by the collection agency. I simple can not believe that a company can adversely affect my credit by issuing a claim with no documentation!
Consumer complaint received 2023-03-08
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. (GA)

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. 
XXXX. XXXX, XXXX, XXXX XXXX  and XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 16 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. 15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Consumer complaint received 2024-01-29
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)

On XX/XX/XXXX I XXXX XXXX filed a legal complaint/dispute with Equifax advising I am a victim of identity theft Equifax failed to protect my consumer rights and remove the fraudulent information /account Equifax by law violated the FCRA 605b by not removing the fraudulent account within 4 buisness days instead they have caused me emotional distress as of XX/XX/XXXX my Attorney and I have I have filed a civil dispute against Equifax seeking monetarily damages for violating my consumer rights and failing to protect my consumer rights
Consumer complaint received 2024-01-27
Product: Credit reporting 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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$470.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX Inquiry {$0.00}
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My information was sold and bought illegally because i was a victim of the XXXX data breach 1. my name is wrong or exaggerated under all 3 bureaus.

2. there are erroneous mailing addresses ive never lived at.

3. there is a social under transunion ive never seen 4. there is a giant list of phone numbers that have never belonged to me. 

there are SEVERAL XXXX dollars that i never authorized nor signed to open accounts with : I am not liable for these debts with XXXX I do not have a contract with XXXX. They did not provide me with the contract as requested for the following XXXX. XXXX acct XXXX with {$6500.00} in unauthorized charges US CODE 1681 I am not liable for these debts with XXXX XXXX XXXX. they do not have a contract with me as i have requested they provide for the following : 1. XXXXXXXX XXXX acct XXXX {$5800.00} in unauthorized charges US CODE 1681 i am not liable for these debts with XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX acct XXXX {$5000.00} in unauthorized charges US CODE 1681 2. XXXXXXXX XXXX acct XXXX {$880.00} in unauthorized charges US CODE 1681 3. XXXX acct XXXX {$2700.00} in unauthorized charges US CODE 1681 4. XXXX XXXX XXXX  acct XXXX {$1000.00} in unauthorized charges US CODE 1681 5. XXXXXXXX XXXX XXXX acct XXXX {$2300.00} in unauthorized charges US CODE XXXX 6. XXXX XXXX XXXX XXXX acct XXXX {$1000.00} in duplicate account charges US CODE 1681 7XXXXXXXX XXXX XXXX  acct XXXX {$580.00} in unauthorized charges US Code 1681 XXXX XXXX acct XXXX with {$1400.00} in unauthorized charges US Code 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$900.00} in unauthorized charges My information was compromised in the XXXX XXXX breach XXXX claim number XXXX XXXX and several of my accounts were sold illegally, and unauthorized charged were charged on my accounts. And my information has been confirmed as being on the dark web thank you for your assistance in this matter as well as your time and patience
Consumer complaint received 2020-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

Unauthorized inquiries on my XXXX  report, I have written to companies and no results taken XX/XX/XXXX XXXX XXXX I did not authorize this inquiry XX/XX/XXXX to auto finance I did not authorize this inquiry XX/XX/XXXX XXXX XXXX  action I did not authorize this inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry Capital one XX/XX/XXXX I did not authorize this inquiry
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated (IL)

I have had an active child support case since XXXX, in XXXX my son turned XXXX, I had no idea I would still need the card and that I would get back child support on the card. I threw this card away back in XXXX. I have had some back child support sent to this card I was told and the card members say that I cant get my money since I dont have the card and they cant issue me a new one or anything, so where did this money go as the child support department says they no longer have the money that it was sent to this card!
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-27
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. (GA)

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 : U S DEPT OF EDXXXX XXXX Balance : {$6200.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$6200.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.